For the steward, it is about discerning how God wants me to use the money and time God has entrusted into my care. For the giver, resources are limited. For the steward, resources are limitless. For a giver, giving comes last. For a steward, giving comes first.
Givers think about dollars.
Stewards think about percentages. A giver gives what they don't need. A steward gives what others need. Giving is about your heart. Stewardship is about God's heart.