Tag Archives: Money

The Christian and Debt

Debt is all around us, and most of us have some type of debt currently.  I just read a statistic yesterday that less than 50% of all Americans have any net worth at all, meaning that less than 50% of us have monetary value (including assets) over the amount of monetary debt we owe.  Financially, then, most Americans are worth less than zero. Think about that.  Our country has changed over time and we are a nation of debtors living in a nation of debt.  Yes, debt has always, and will always be around, but we are now going into debt for things people in the past would never have considered signing away their future earnings for.

So, what does God teach us about debt, money, and how we can faithfully handle our finances? Now, obviously I’m not going to be able to cover every scripture or every situation.  There are many good resources out in the market today that do a better job covering all of that than I ever could.  But, I did want to cover a specific aspect of debt that people tend to wink at; Proverbs 22:7 The rich rules over the poor, and the borrower becomes the lender’s slave.  Really think that over; you are a slave to anyone you have borrowed money from.  Do you owe a  bank, credit company, hospital, the government, etc…?

Whoever you owe money to, you are their slave.  You work for them.  Your money is theirs, and that is a Biblical concept.  In an age where we borrow money from all of these places, we have so many masters we can’t count them.  Remember where it says that we can’t serve two masters? Wow.  We just don’t think of these things, and what we want, we want it now.  If we need an automobile, why of course we take out a loan because the masters make it easy to make monthly payments.  We demand a college education, so we take out a loan because the masters act as though we’ll be able to easily pay it back.  Our very nation is sinking in debt, and whoever holds our debt is our master.  Scarey, hunh?

Romans 13:8 Owe nothing to anyone except to love one another… If we owe someone money, we give them power over us, and it limits what we can do with our work.  Everything that we have comes from God, and our best position is to be free to use what God blesses us with how He sees fit.  If we owe money, our money is yoked to the lender.  Now, if someone is in need, the answer can be giving, not borrowing.

Giving someone money (or things) freely, with no strings is different than lending.  It by-passes usury, and hard feelings.  The other answers come in how we view the world and our needs.  When I taught logic and philosophy at college, I urged my students to sit and write out their actual needs; what do you need to live?  It’s a short list.  We live in a world that tells us we NEED all of these various things, but it is a lie.  Don’t believe the lie, live below your means, surround yourself with wise people, read wise words, control you money, don’t let it control you, etc…

We should strive to be aware, strive after Godly wisdom and Godly ways.  We should also chafe a little bit when contemplating who are master, or masters are, and finally ask ourselves if our money is serving us (and God), or are we serving it?

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“Sacrificial” giving of money; not biblical for the church…

Over and over I’ve heard preachers try to teach about “sacrificial” giving.  Unfortunately that is not a biblical principle, since the word sacrifice is very specific in scripture, and is abused in this context.  Now, before some readers get their knickers all in a twist, let me clarify; free will giving is biblical, and we’ll talk about that, but this idea of sacrificial giving is another offhanded term that does not appear in scripture.

“You’ve got to give until it hurts,” that is the refrain that you can hear from many pulpits both in person and on the radio.  No, you don’t.  The idea of a sacrifice is glossed over when the term is used in connection with monetary giving.  A sacrifice in the bible is very very specific; it is about killing and offering up an organism to God. Sacrifice was to do many things, one of which was to remind us that for sin comes death.

To underscore this, notice what Paul said, “present yourselves a living sacrifice to God.”  He had to include and underscore the word “living” there; no longer do we offer sacrifice to God in the old way of death, but rather we are living organisms and we offer ourselves.  This is only possible because Jesus became a sacrifice for us, and now, that older system is done away with.

Giving money is not technically sacrificial.  You aren’t ritually killing anything.  We muddy the waters of the gospel by referring to a free will gift offering as sacrificial giving.  We are indeed to give money as directed by the Holy Spirit, and we are to do so cheerfully.  The term “sacrificial giving” is apparently another dysphemism adopted by teachers and preachers to try to lay a charge upon believers that just is not there.

The once and for all sacrifice is done, I don’t have to sacrifice “things” or “animals” anymore, but rather I’m to realize that all I have and all I am is God’s to do with as He please.  Then, it is a matter of being smart with my money, compassionate with my money, and generous with my money (and time, possessions, land, etc…) because they are His, not mine.  He promises to guide us, and we are expected to yield because we trust Him.  That’s faith.

 

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