Tag: money

Getting Down
Psalm 130; Deuteronomy 1:34–40; 2 Corinthians 5:1–5

If you’ve ever purchased a home using a loan, you usually had to come up with some sort of down payment. At least near me, a 10% down payment may be $70K or more. Part of that, of course, is the exceedingly high price of houses (and the prices continue to climb). The other part is the bank.

The down payment exists to show that you have—so to speak—skin in the game. The bank is making money from the loan, yes, but that is also based upon your ability to actually pay off the loan. A loan that cannot be paid back is not really worthwhile, and often even when left with a valuable house from a loan default, the bank will still likely lose money.

Down payments are usually from the borrower to the lien-holder. Yet, the Scriptures use the down payment concept in reverse. God is making the down payment. Even in Deuteronomy, the concept is there. It’s buried in the reality that God would “hold onto” the inheritance of the Promised Land until the Israelites that were children could grow into their inheritance.

Paul calls the Holy Spirit a down payment. God is a down payment. It sounds strange, that’s for sure. However, if we think along the lines of God dying on the cross for our sins (i.e., Jesus), is the Holy Spirit that far out of line?

※Reflection※
- What is the Holy Spirit a down payment for?
- How does this down payment work in our lives right now?
- Why does God holding onto the Promised Land for the future generation imply to you about your life?
※Prayer※

Lord, grant us the ability to see what you have done and what you do for us. Help us to be fully enabled aides to your mission here on earth. Amen.
2021-06-04
A Different Movement
Psalm 22:25–31; Amos 8:11–13; Acts 8:9–25

The diminished place in American society that the American church is finally beginning to truly wrestle with is where the church was in many other Western countries many decades ago. As it processes what this means, the American church what it means when “its place” is not the one of honor nor power.

God, however, isn’t as concerned about the church, per se, but about its people. The people (e.g., the future descendants of Psalm 22:30) will still proclaim the glory, mercy, and love of God. How it’s done, however, will be changing rapidly over the next few years. This isn’t the first time.

Much of what Jesus opposed during his time of ministry developed when God was quiet (the time between Malachi and John the Baptist). God was very quiet. Yes, there were pious and spirit-led people during those times. They led the people and helped the people. Sadly, over that same time period, others developed ways to “meet the mark” that resulted in broken hearts and spirits, and not in a good way.

The Western church may be in such a place. On the other hand, some of the Western churches aren’t experiencing decline; they are experiencing revival! While they are the exception, it just shows that God is moving.

There are plenty of Simons in the world. They are successful. They have influence. They have money. Yet, there will be those who, like Simon, will find the message about Jesus to be irresistible and abandon it all.

Like Peter, though, we will still need to disciple them so that they understand what it means to follow Christ. Even in the church today, there are people who bargain with God. Some will give so that God will give them what they think they want. There are a lot of Simons even in the church.

How God will speak, how God will move, how people will respond are all in question at this point. We cannot make any assumptions. Nor can we remain comfortable or complacent. God will act, let’s hope we’re beside God as it happens.

※Reflection※
- What changes in church do you see?
- What changes in you do you see toward God’s movement?
- How do you see how you will share about Jesus changing?
- What are your expectations for how God will move?
※Prayer※

Lord, as we wait for your movement, help us to be aware of the little movements all around us, so that we may be present when the big movements come. Amen.
2021-04-30
We Ought To Love
Psalm 4; Luke 22:24–30; Acts 3:1–10

The argument that occurred between the disciples is a warning to us all. This is the worldly and fallen condition of man. The worldly/fallen person thinks of self (and even family can be self) above others.

There is often a belief that life, money, success, are all part of a zero-sum game. In other words, for one to get more, another will get less. God’s ways are not the same, yet we often apply this thinking to our lives, even how we “walk out” our Christian life.

Many of the discussions and even arguments that are happening even among Christians is based upon “who wins” even while it is dressed up in caring for others, the country, the faith, the world, etcetera. As you read that you may have said to yourself, “God won!” Yes, while that certainly was and remains true. We often don’t act that way.

As we walk in the world, how we treat others (and even ourselves) is very much part of our witness to who Jesus Christ is. There is always the tension within the Scriptures of what the God-ly direction is as they can change depending on context. There is, however, absolutely no denial of the motivation of all…self-sacrificing love.

Self-sacrificing love is not a bottomless well, nor is blind endless sacrifice holy. Death-to-self needs to be embraced, as uncomfortable as it often is. If our first reflection on issues was, “what is the best way to give myself in love,” that would be huge. Yes, it certainly can be tempered by discernment. It’s just been that too much of our language is how we can get the “other” to do something that makes us feel better.

Peter couldn’t really do much for the beggar financially. He could have just walked on and said nothing. He could have just said that he had nothing and moved on. Maybe even John wouldn’t have said anything had they passed by. Then the man would not have been healed.

※Reflection※
- What reasons may Peter have had to do what he did?
- How might Peter’s response alter our response to the world?
- If there isn’t a winner or loser, will that change how you interact with others or think about others?
- How does God’s love influence your thinking?
※Prayer※

Lord, guide our walk in the world so that we are worthy bearers of your light. Amen.
2021-04-17
Mixing It Up
Acts 14:1–7

It can seem strange to question and particularly fear the unity of disparate people, but that is what is happening here. Jew and Gentile united in a single faith. The Jew and Gentile outside that faith assaulted it.

Unity is a great thing. The church is supposed to be a place of unity. Yet, the church also remains the most divided. It is divided by culture, nation, skin color, money, location and many other reasons.

Yet, the “obvious” division isn’t all bad. Really. If we didn’t have divisions, well, there would be one pastor…one…for everyone. Already, we know that wouldn’t work.

Some sociologists state that our effective relational capacity is approximately 100. This “tribal” view of humanity would certainly explain much of what each of us experience in life. It also explains the church.

In many regards, the divisions that we see in the world are not that surprising. As the ability to connect the whole world in real-time expands and becomes embedded in our lives, we are all experiencing the stress of a “tribal” size beyond our capacity to deal with and understand.

This does not spare us the responsibility to learn and understand. The “tribal” concept may be about to be turned upside down.

The church of Iconium, for example, broke the “tribal” boundaries. The tribal-breaking church remains the world’s greatest hope. It is this that makes the divided church so painful.

The world needs an enemy. Tribes need enemies. The enemies may not be ones of warfare. They may be economic or cultural or something else.

The church is called to cross enemy lines not to defeat the enemy, but to reconcile the enemy, so that there are no more enemies.

※Reflection※
- Which “tribal” identities do you identify with?
- Which “tribal” identities do you struggle most with?
- How do you think the early church overcame “tribal” identities?
※Prayer※

Lord, grant us the wisdom and grace to follow the example of your servant Paul along with the first churches, that we can truly be the witnesses to the world of your great love. Amen.
2021-02-08
What A Sight
Numbers 22:1–35

Moab feared Israel. Israel “just” had a military victory against major forces around Moab. Israel had marched around Moab and yet hadn’t done anything directly against Moab. Moab was deeply concerned that they were next.

According to Moses (in Deuteronomy 2:9), God had directed him to leave Moab alone. There is no record of “official” interaction between the Moabites and Israel, so it would seem that Moab’s fears were based on assumptions rather than experience. Which leads us to Balaam.

The King of Moab called upon Balaam to curse the Israelites. Accusing the Israelites of being, basically, locusts seems to be a case of hyperbole. Yet, there was unsurety in Moab. It’s safer to wipe out the “other” than to communicate with them.

At first, it seems that Balaam was a righteous God-follower. As we continue the story, it seems that perhaps it was not quite so. There is an implication that God condescends to Balaam going to prophesy on King Balak’s behalf. The “go” seems to be more along the lines of, “You can go. You’re going to anyway. So, I will use your human desires to bring glory to me (God).”

And then we come to the famous part of the story, which recently came up in a conversation. The entirety of the conversation was about a talking animal. Which I get it. None of us have had an animal speak to us in human speech.

While human speech is important, our dog communicates just fine: whines, stares, growls, barks, licks, gnaws, pounces on, and so forth. She generally is successful in communicating her needs without human speech. A human baby communicates. It’s usually the parents who get the subtle differences between, “I’m hungry” cry, and “my stomach hurts” cry.

We could blame children’s Sunday School for the emphasis on a talking beast of burden. The adults are just as nonplussed as the children, though. The talking animal wasn’t the point of the story, not even close.

The talking animal was more along the lines of, “Yes, you (Balaam) said you heard me (God), but you need to understand how important it is that you actually listen to me!”

In the church, preachers/pastors/teachers will often say something along the lines of, “Yes, this hard, but the Scriptures say…” Part of this is the reality that preachers/pastors/teachers don’t want to deliver hard truth. It’s hard, and we all want to be liked. In a community that respects the Word of God, that can work.

Balaam probably doesn’t have that particular protection. Like many people of power, and especially with the gods of that era and place, they thought with the right amount of money or right sacrifice they could “move” gods to do their will. God doesn’t work that way, and Balak would likely have little joy in being thwarted.

However, that talking donkey and then the vision of the sword-bearing angel? That imagery was probably quite strong in Balaam’s eyes and heart. Likely, it was that which gave him the strength to deliver the oracles for Israel despite Barak’s insistence on curses.

A vision/experience like that would give many of us the strength to face the world.

※Reflection※
- When you recall the talking donkey, what else do you recall? Do recall the rest of the story?
- Why is important, especially with stories like this, to understand that the Scriptures use imagery?
※Prayer※

Lord, may we have the strength of your vision as we navigate the chaotic waters of this world. Amen.
2021-01-31
Wolves Invisible
Psalm 62:5–12; Jeremiah 20:14–18; Luke 10:13–16

Do you know the story of “The Boy Who Cried, Wolf”? The shepherd boy who falsely cried “wolf” so many times that after some time no one would come to his aid. Of course, as the case with moral tales, the real wolves came, he cried “wolf”, and no one came. He died.

This could be a tale of bearing false witness (the 9th Commandment). It also could be because not everyone has the same vision.

We see that all the time from politics, to businesses, to churches, to families. Each person has a slightly different “vision” of the future. Often, we criticize, minimize, denigrate, and insult those that have a different vision. It can be hard, especially if they’re family, yet those differences are the “spice” and “flavor” of life.

The 11 Apostles (remember, one of the original 12 died) received their commission, “I’ve received all authority in heaven and on earth. Therefore, go and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit, teaching them to obey everything that I’ve commanded you. Look, I myself will be with you every day until the end of this present age.” [Matthew 28:18–20, CEB]

Go into the [whole] world. Such a small thing. It’s kind of like a commencement address, full of a huge concept that sounds awesome and inspiring, then (just like commencement) on the other side, reality hits.

It is what is on the other side that reveals the foundation of our life.

The Psalmist that God is “rock and salvation”, a “stronghold”. If indeed humans are nothing but a breath, nothing but lies, and don’t even register on a scale (all from an “absolutist” infinite deity perspective), what little remains of a human’s worth is based upon their foundation.

Jeremiah mourned the event of his birth. His grief was based on a couple of things. First, he was a “messenger of doom” for Israel. That was pretty rough.

Second, he mourned the hardness of heart of the Israelites. He couldn’t understand how the Israelites could be so heart- and faith-less toward God. The entirety of the story of Israel revolved around what God did!

Jesus’ reprimands to Chorazin, Bethsaida, and Capernaum echo what Jeremiah said. “Doom is coming. The consequences of your decision to harden your hearts and reveling in that hardness is coming.” (Ian’s summation)

The reprimand is a result of cities not welcoming the harbingers of the Kingdom of God (it’s more of an advance warning for when it happens). The disciples of Jesus were to be completely dependent upon the towns and people they would come to.

They were not sent with massive amounts of money, food, clothing, or protection (no weapons). They were sent as they were. They might have had a drachma or denarius or a few. They had a pair of sandals (which they were wearing). They had the clothes (again, that they were wearing). That’s it.

And off they went, the commencement of the first missionary event.

Most of us are uncomfortable with being missionaries. Regardless, the Great Commission is still our mission. You are a missionary right where and when you are now.

If you think there is no one that you are and are to be a missionary to, pray that God gives you the spiritual eyes to see who is before you. Perhaps why the church is so weak right now isn’t because we are “set aside” or are “unimportant”. Perhaps we have long forgotten that we are to not just be missionaries to the world; we are also to be missionaries to each other (the “bible-ish” word is edify).

Many of us are looking for that special answer or that perfect argument. Others of us want to be an example yet realize that compared to Jesus we are not much to look at.

We are called to cry, “wolf”, and the world doesn’t believe us. It’s hard to explain the wolves coming that they cannot see.

※Reflection※
- When we looking for the special answer, perfect argument, or being the example, what is the real foundation of that?
- Why is it necessary to be missionaries to one another (to edify)?
- The example of the disciples’ first missionary journey is not burdened with “stuff”. How can that be an example of our journey? What could be a wrong application of this lesson?
※Prayer※

Lord Jesus, you have called us to go into the world. Help us be the encouragers of others, that all your church—your bride—will reach the world for your name’s sake. Amen.
2021-01-22
Wall Fall
Jeremiah 19:1–15; Revelation 18:11–20

Whether big or small, the demise of a city is no small thing. It could be because of failing to respect God, or if it’s because of mismanagement, or if it’s because of something out of the city’s control.

A city is a home to many people, and its demise should never be glossed over. Often, especially in the Scriptures, the fall of the city is the larger picture of the fall of humanity.

Imagine Jeremiah prophesying the demise of Jerusalem, a city he loved if for no other reason it was the place God put God’s name. There is a reason why Jeremiah is often called the weeping prophet. He mourned the loss of Jerusalem.

The heartbreaking part is that the loss and fall of Jerusalem meant that God was taking God’s name and blessing away. While Jeremiah foretold hope, it wouldn’t be for a long time. It is also quite possible that Jeremiah wondered if Israel would really return.

The fall of Jerusalem was because of the unfaithfulness of the people. That unfaithfulness was in the Promised Land and in the City of God! It is quite possible that he was afraid that they would fall so far when they were in exile, that they would defy God again.

Babylon could be considered symbolic of that exact scenario. The time for possible redemption had long since passed. Babylon had knowingly and willingly gone against God. It became a place of abandonment. Even those allied to it, and who benefitted from it stayed away as it fell.

Those around Jerusalem would celebrate its fall as they looked forward to benefiting from its demise. On the other hand, Babylon was mourned as it fell, not because of the people, the depravity, or the lack of God, but because people would no longer benefit (especially make money) from it.

The “death” of both cities was something mourned by God. God wants Creation to seek redemption and reconciliation. Eventually, Jerusalem (or those who descended from it) did. Babylon is in the last throes of the end of times. There is no turnaround for it.

While time flows, there is always time for redemption and reconciliation. However, at some point, time will end, and redemption and reconciliation are no more.

※Reflection※
- Just as people’s ability to reconcile to God has an end, so does our time on earth (death). Is there some reconciliation and redemption that you need to seek or grant?
- With the painful throes of politics, economies, lives, and viruses, have perceived the end of time, yet? If so, what has changed in how you approach others regarding the Gospel? If not, why do you think you haven’t been impacted?
※Prayer※

Lord, may we see the end of things as imminent, no matter how far away they are. Help to feel the urgency and importance of sharing the Gospel. Help us to partner with you to reconcile and redeem the world. Amen.
2021-01-20
We Love Talking About It
1 Samuel 15:7–15; Acts 5:1–11

Every pastor’s favorite sermon topic is tithing/giving. Every pastor absolutely loves talking about you are to give freely to God by giving to the church and other missional activities.

In case you’re wondering, that was sarcasm. Most pastor’s hate it. And, most people hate hearing it, because they often feel guilty about it. Hatred of the topic may be a veneer over the fear of Christianly dealing with money.

John Wesley had a famous sermon on money. From it was gained a saying, “…Gain all you can…Save all you can…Give all you can….” Part of the problem with this saying is all the “…” that are part of it. They show that there is far more than just these 12 words. The context of each set of 4 words makes a lot of difference in how one interprets them.

“All you can” is the real crux of the issue. “All you can” at what cost? John Wesley had a distinct moral code regarding “Gain all you can.” Some of today’s business owners might be okay. Others might not. Still others would not be able to figure it out.

John Wesley was concerned that people who sought to gain would do it at the expense of others. In many respects, we could call capitalism with a heart. On the other hand, we could view it as capitalism with a long view for the benefit of humanity.

If the long view of a business, and its profit, is for the benefit of humanity, that’s a good start. Destroying the environment would be harming God’s creation, so it would fail Wesley’s test, too. Much of our modern profiting, though, is a lot grayer.

Saving is the next thing. Saving is not hoarding. Saving is more along the lines of protection of the wellbeing of one’s family and self. Hoarding is gathering as much as one can and preventing others from gaining.

In John Wesley’s era, far too many people owed money. It was a way of life. For some, it was the only way to feed their families. Today we think of credit card debt, home mortgages, student loans, and car loans. The amount of most of those loans could have been greatly reduced with good planning and a willingness to delay gratification. This is (for example) one area that the Church could be both a better witness of action and of prophecy.

“Give all you can” can be a guilt trip. Often, even those of us in the Wesley tradition use it or perceive it as more of a guilt scale. Wesley, while big on charity, didn’t seem to be particularly guilt-driven. However, by some accounts, he failed the “save all you can” for his family, for he gave all he could.

Gain(earn)/save/give is a balancing act.

Many Christians are like Saul. “Oh, I’ll give the difficult or unwanted stuff to God.” Sounds like many people who give broken stuff to a church. The church then often must pay to dispose of it. Saul turned a commandment from God into we’ll benefit, oh, and maybe God will like a little bit, too.

The path of Ananias and Sapphira was “look at what we did. We gave everything (oh, except that part we kept back).” They wanted the accolades about the total sacrifice, rather than just giving freely and joyfully. If they’d given 90% and kept 10% and were honest about it, everything would have been fine.

Far too many preachers (and non-profit type) folks speak about a person’s checkbook as the litmus test. It isn’t. It would be nice if the 10% rule (from the time of Israel) had been sufficient. It wasn’t. When a person has a rule (10%), the heart doesn’t have to go along.

It is the motive behind our use of money that is the point of tithing and giving.

God created the world. God already has the money (as if God needed it). God wants our heart.

※Reflection※
- When a church or non-profit person starts talking about money, what’s your first response? How about an entrepreneur, investor, banker, or politician?
- What is so captivating about money and stuff?
※Prayer※

Jesus, may you be the Lord of our heart. May the spirit of mammon in us be overwhelmed and transformed by the sanctification of Holy Spirit. Amen.
2021-01-18
Moneyed Futures

2 Samuel 7:12–21; Matthew 6:33–34; James 4:13–5:6

If you’ve ever listened to Dave Ramsey, you’ve probably heard of the “emergency” fund. When you start his Financial Peace University program, this is the first thing to be done. His point being that credit cards and payday loan “emergencies” become less so when you actually plan for them.

Ramsey goes so far as to say each family ought to have available funds to cover 3-6 months of expenses. That is often a large pill to swallow. Yet, as many people are struggling to make ends meet, and are looking at losing their jobs, homes, and even health care much would have been easier if all were so prepared.

In response to the 25%+ foreclosure rate during the Great Depression, the federal loan agent Fannie Mae was created in 1938. As homes and property were physical assets, there was some tolerance for it. Though one can look at the current housing market and wonder if Fannie Mae (and its “sibling” Freddie Mac) were a good idea.

In 1950, Diner’s Club International created the credit card. American Express followed a few years later. Bank of America followed them (eventually creating Visa). Then came Master Charge (now MasterCard). People were now able to borrow themselves into oblivion.

Then we add things like personal loans, auto loans, and student loans, it has become a real mess. The way the US tax code is, even companies are encouraged to do massive loans for tax benefits. The sad part is how much inflation all these loans (and the ability to get them) have probably caused.

However, what is interesting is that Generation Z has experienced and witnessed this, and all the companies that make money off of loans may be in real trouble. Gen Z already (barely into the workforce) has the highest rate of savings since those who grew up during the Great Depression.

The reality is that all these loans, and all that is spent, buys nothing in the eternal kingdom, at least not by itself. James’ words are rather harsh, but as we look around us, we can see that perhaps James wasn’t harsh enough.

A certain aerospace company contractually forced its subtiers (and their subtiers) to continue production of a plane that was grounded internationally. The rate of manufacturing was elevated at such a rate that hundreds of planes are now sitting, unsold. All the contractually obligated subtiers are also sitting on what is now likely at least a year’s (and likely 2-3) worth of inventory, with no one to send it to.

The arrogance of large corporations can be seen in James’ words. Also, as we look at all of our political leaders, we can see that arrogance regarding the future is just as much an issue for them as for companies.

Normal folks encouraged to have loans they can’t afford, look at the corporations and politicians who, by and large, escape the consequences. Normal folks are the ones losing their jobs. The politicians are keeping theirs.

※Reflection※

What are some lessons that we as Christians and as people of the US can learn from the economy and the COVID situation? How do we apply them to our Christian walk moving forward? How might the lessons how we treat others and even exercise our freedoms and responsibilities?

※Prayer※

Lord, you are our hope and our firm foundation. May the Holy Spirit continue to guide us toward a holy view of money that we might be better citizens of the US and also the Kingdom of Heaven. Amen.

2020-11-18
Yieldingly Strong

Malachi 1:6–14; 1 Peter 2:1–10

Many years ago, there was a Star Trek show called Voyager. Overall, I don’t remember much about it, but I do recall this scene between Neelix (guest alien onboard) and Tuvok (i.e., Vulcan, humorless, emotionless, kind of like a robot):

NEELIX: These are Keela flowers. Beautiful, and remarkably strong. The stem is flexible, impossible to break. But occasionally on the same plant there’s a bloom whose stem is not so flexible. Ah, here’s one. And when the stem is brittle, it breaks.

TUVOK: You’re saying that the Maquis crew is rigid and inflexible. That they will never adjust to Starfleet rules.

NEELIX: No, Mister Vulcan, I’m saying that you are rigid and inflexible, but maybe if you’d learn to bend a little, you might have better luck with your class. Those Maquis aren’t Starfleet cadets. You can’t treat them the same way. Get to know them, try to find out what they’re like inside. You might discover a better teaching method.
“Learning Curve”, Original Airdate: May 22, 1995 (Stardate -327613). Thanks to www.chakoteya.net for the transcript.

The Maquis were an insurrection/guerilla group. Their methods of instruction and obedience were not the military-style of Starfleet. Tuvok learned one way. He taught one way. Rigidly.

However, the Maquis were just as rigid. It was just that they rigidly didn’t want to be like Starfleet

What on earth (or in space) does this have to do with these passages?

According to Peter, we are the priesthood of all believers. I may have a certain role within that priesthood (as an ordained person). You have one too.

The ultimate purpose of the priests is the be the intercessors between “the people” and God. For Christians, “the people” are the world that does not yet believe in Jesus Christ.

The priests, however, have their own relationship with God. In our case (the collective Christian case), we are called to give of ourselves: money, time, talent, and so on. It’s too rigid to say it is “required”. On the other hand, it is a spiritual discipline.

When we do not give of ourselves, or we do it grudgingly, we are the ones called out by Malachi giving deformed useless sacrifice for the sake of a check box.

In regard to our Christian life, there is a rigidity in sacrifice. That is one of the aspects of a mature Christian, self-sacrifice. It’s odd to say it is not required; on the other hand, it is essential.

The flexibility, however, is in how it works out. You could be gifted with teaching, encouragement, prayer, or something else. Freedom from the Law is how we are free to respond to God and to others through love.

※Reflection※

The question for you isn’t, are you gifted? The question is, what are you gifted in? The next question is like it; how will you use that gift for the community of believers around you?

※Prayer※

Creator, you have made each of us different so that only together can reflect your infinite love. Amen.

2020-11-10