Would it be smart to start giving our retirement 401(k) monthly contribution as a tithe each month if we can afford 10% otherwise to give?
You should never touch your retirement funds, as you will need them. Tithing is not a matter of being able to afford it. Tithing is a matter of obedience. Truth is, we can’t afford NOT to tithe. The reason you currently find it hard to obey God is because you have been disobeying God. Obedience is never hard unless you have been disobeying. Start obeying God, and watch what happens. When we tithe, God assumes responsibility for meeting our needs. But, we also have to be responsible in our spending habits.