If tithing is where he wants us to end up, than it makes sense to me that we might have to put in a lot of A (time) B (work) and C (faith) to get there. Time and work might merely mean to plan and work at a method of getting out of debt, to make the next thing possible. Just the same at some point it will be a leap of faith. I would never tell someone not to pay tithing. I would however suggest that putting our house in order comes dreadfully close to being a directly stated commandment.

Hope makes things possible that cannot be achieved by earthly means. I have no idea of how much time in your life is open to your use. A useful question to ask might be if you could pay your tithing in hours of service. In the past tithes were often paid in kind rather than in cash as is often the case today. Am not intelligent enough to figure out all of the questions that might help, I just would caution you to work at learning to walk before you learn to run. And to remember, He is on our side. He is rooting for us. He is rooting for us because he dares not to do all of it for us. That is how much he loves us.