In this episode of The Church Planting Podcast, Greg Nettle welcomes Dr. Ray Chang—former church planter, Corporate Manager of Faith-Based Engagement & Partnerships at Thrivent, and longtime Stadia board member—to discuss one of the greatest challenges church planters face: finances.

Ray shares his journey from growing up in a Korean immigrant church to planting multi-ethnic churches in Washington, D.C., and Southern California. Along the way, he reflects on the mentors, experiences, and moments of faith that shaped his calling and passion for helping churches thrive.

Drawing on decades of ministry and his current work at Thrivent, Ray offers practical wisdom on funding a church plant, developing healthy financial systems, and cultivating a biblical culture of generosity. He explains why church planters must balance trusting God's provision with wise financial planning, accountability, and long-term stewardship.

Greg and Ray also discuss why many pastors hesitate to talk about money, and how teaching generosity is ultimately about making better disciples—not simply raising funds. Ray encourages leaders to develop financial health personally before leading others and highlights practical resources available to churches through Thrivent.

The episode concludes with a powerful reminder that generosity is contagious. Through stories from his own ministry, Ray demonstrates how simple acts of generosity can open doors for the gospel and inspire entire congregations to live more open-handed lives.

Table of Contents:

00:00 – 03:00
Introduction to Ray Chang, his church planting journey, and ministry background.

03:00 – 07:00
From church planter to Thrivent: helping churches thrive financially.

07:00 – 11:00
The biggest financial challenges facing church planters today.

11:00 – 15:00
Trusting God's provision while building wise financial systems.

15:00 – 18:30
Teaching generosity as a discipleship issue—not just a fundraising strategy.

18:30 – 21:30
Practical financial tools and resources available to church leaders.

21:30 – 24:30
Why generosity changes lives and strengthens the church.