Here's a post that I originally wrote a few months back, and just never posted it. Thanks for reading, and I hope you enjoy!
This last year has been an incredible year
of growth in Christ for me. I had my
first wedding anniversary a couple of months ago, and have a salaried position
as a resident in internal medicine with a full year of experience under my
belt. In this last year I have witnessed
the growth and change of my local church, with a transition to a new pastor
over this last summer. All through this
year, I have studied God's Word, sometimes not as often as I feel I should, read
numerous books and watched many video-based curriculum for Christians. One thing that never ceases to amaze me is
the fact that culture and Christ seem to always be at odds with each
other. In fact, I remember reading early
on that the bible will always contradict at least one aspect of every culture
on earth; if it did not, that culture would be perfect, and nothing on earth is
perfect.
I have discovered over the last year that
nothing we assume as reasonable, rational, or even morally correct can be taken
at face value. This discovery comes
mostly from just reading the bible on a regular basis, along with the other
Christian material I've read, watched or listened to. I'd like to talk about some of the different
discoveries I've made along the way, in a series of instalments, and perhaps
challenge your thinking on some aspects of your own life, or at least the life
of a 'regular member of society.'
Finances
Western society has a completely backward
view of finances and how to manage money.
It wasn't until digging into what God has to say about financial matters
that I realized that my own assumptions about money and fiscal responsibility
were off the mark. There is a portion of
the New Testament, where Jesus talks about money, and this is what he has to
say:
"No one can serve two masters. Either you
will hate the one and love the other, or you will be devoted to the one and
despise the other. You cannot serve both God and money."
- Luke 16:13 NIV
As Andy Stanley points out in one of his
sermons, when Jesus identifies two masters, he does not talk about God and the
devil! He puts God and money in direct
opposition to each other. That doesn't
mean that money is a bad thing, but anytime we take a good thing and make it an
ultimate thing, we are slaves to that in which we put our hope. In this case it's money, but this principle
applies to anything that we are capable of idolizing, whether it is money, sex,
success, beauty, acceptance, a nice car, love, a relationship, children, and
the list goes on forever.
So how do we become slaves to money? The book of Proverbs has a great answer to
that question. Keep in mind, that the wisest
man aside from Jesus, ever to walk the earth, wrote the book of Proverbs. He said:
"The
rich rule over the poor, and the borrower is slave to the lender."
-Proverbs 22:7 NIV
So the question is, who in our society is
debt free? Who has not borrowed money to
be able to 'afford' that which their income at the present time could not
provide for? Andy Stanley points out in
his sermon series titled "Balanced" that there was a time, not in the
distant past, when borrowing money was something that only poor people did,
because they actually couldn't afford to buy the item in question. Somewhere along the way, though, being in
debt became an indication of success; after all, a bank wouldn't loan you much
money if you were poor, but the richer you are, the more you can borrow. So we get caught up in a materialistic rat
race, where a Honda Civic is beneath your status if you can "afford"
a Mercedes, and taking public transit is unthinkable. A two-bedroom home isn't good enough because
the bank tells you that you can "afford" to buy a four-bedroom home,
despite the fact that it would require 40% or 50% of your monthly income just
to make the payments. Oh, and that 52
inch flat screen television? Don't worry
if you don't have $1500, we'll let you take it and then take 2 years to pay it
off. But don't misunderstand me, for I
don't want to come across as a hypocrite.
The average debt for a medical student when they've finished their 4
years of undergraduate training is $125,000, an amount that I somewhat
surpassed. My wife and I spend
approximately 20% of our net income on debt repayment, and at least 2/3 of that
is interest. The bulk of the debt that I
accumulated was primarily attributed to a sense of entitlement, stemming from
the fact that I had been a student for so long, that now I “deserved” to have a
few nice things. One of the first things
I ever bought once I was given access to what I lovingly refer as "fake
money" was a $1200 television - a television that I currently struggle to
use as little as possible. I wish God
had sat me down and talked to me about finances before now - or rather that I
had not hardened my heart so that I would not listen.
The effect of all this is extraordinarily
far reaching. The United States economy
went into a recession when the housing market collapsed, and the straw that
broke the proverbial camel's back is said to be the "subprime loans" that
were meant to allow poorer people to get a mortgage, but at a higher rate of
interest. Here in Canada, the industry
that has always made my stomach turn is the payday cash advance industry, which
allows a person to cash their cheque before payday. The catch is that one must sacrifice a
portion of their income to take advantage of this service. It never made sense to me that someone would
go to a business to get cash in advance of payday, in order to pay bills that
they can't keep up with in the first place, and end up with even less money at
the end of the month. The whole system
should be outlawed, for it is a system that exploits the weakness of their
clientele.
The issue of money really revolves around
society's perception of what money is actually for. Again, Andy Stanley gives us great insight
into God's word when he points out a great definition of greed. He states that greed is "The assumption
that everything I have is for my consumption." Even Christians have a tight-fisted approach
to money, tithing 10% and telling God "you have your share, the rest is
mine to do with as I please!" The
problem is that God does not tell us that everything we have is ours, and that
he asks only for a percentage. What he
does tell us is this:
"To
The Lord your God belong the heavens, even the highest heavens, the earth and
everything in it."
-Deuteronomy 10:14 NIV
So, for the Christian at least, 100% of
what we have in our possession belongs to God.
Tithing is not a matter of giving 10% of what is "mine" and
keeping the rest for my own consumption.
It is a matter of making it a habit of contributing an amount each month
of every year, sometimes more, sometimes less, but always giving as much as God
directs us. And sometimes that means
loving our neighbour, even when it hurts us, and we have to sacrifice our
lifestyle so that we might bring life to others. After all, we find in God's word that:
"If
anyone has material possessions and sees his brother in need but has no pity on
him, how can the love of God be in him?"
-1 John 3:17 NIV
Remember also that we all have a deceitful
heart (Jeremiah 17:9), and know that pretending not to see, or simply not
looking, does not exempt us from having to live as God expects. We all know that we have brothers and sisters
in need, and that we would be just fine with less material possessions in order
to reflect to those people the love that God has shown us.
So, how do we manage to live right with
God in a culture that is greedy by definition, that consistently as a society
spends more than it makes in a month or year? We remember the words of Jesus:
"For
where your treasure is, there your heart will be also."
-Matthew 6:21 NIV
If you want to know where your priorities
really are, and if you're a Christian and you wonder if you're really a
disciple, you look at where your money is going. I found out over the last couple of months
that my household was spending as much on food in a month as we were on debt
repayment, and almost twice as much as our monthly rent. Half of what we spent on food was for dining
out or fast food. Until we started
keeping track of where all our money was going, we had absolutely no idea. Even after I had spent a month keeping track
of all our expenditures, when I told my wife how much we had spent on
restaurants, she exclaimed "There's no way we spend that much!" It wasn't until after I sat down and showed
her the spreadsheet that her next remark was "Ok, now I'm a
believer." The thing is, we were
far over budget on both restaurants and groceries, but chronically under budget
for savings and charity.
I have struggled with my weight and the
consumption of food (especially junk food) for a long time. At one point I weighed almost 200 lbs. While I don't weigh near that anymore, I
still struggle with food, and the most difficult is fighting the sense of entitlement
that comes with being on call in the hospital.
It's easy to work for 24 hours straight and then stop for an ice cream
on the way home because "I deserve it." Willpower just wasn't cutting it. More recently though, my resolve is
strengthened by the fact that I know that if I buy that ice cream, or that
amazing pumpkin spice latte, or spend $15 per week on coffee because I'm too
lazy to make my own, I won't meet my goal for charity. If I don't meet my goals for charity, then I
haven't been a good steward with what God has given me, and God will know that
since my treasure has gone to my stomach, my heart lies there and not with
Him. While I know we will all disappoint
God sometimes, the desire not to be wilfully disobedient is a powerful motivator
to be financially prudent.
Consider, then, the purpose of having
money at all. It isn’t to buy ourselves
the necessities of life; after all, we are clearly told that God will provide
us with everything we need.
“Therefore I tell you, do
not worry about your life, what you will eat or drink; or about your body, what
you will wear. Is not life more than food, and the body more than clothes? Look
at the birds of the air; they do not sow or reap or store away in barns, and
yet your heavenly Father feeds them. Are you not much more valuable than they?
Can any one of you by worrying add a single hour to your life?”
“And why do you worry
about clothes? See how the flowers of the field grow. They do not labor or
spin. Yet I tell you that not even Solomon in all his splendor was dressed like
one of these. If that is how God clothes the grass of the field, which is here
today and tomorrow is thrown into the fire, will he not much more clothe
you—you of little faith? So do not worry, saying, ‘What shall we eat?’ or ‘What
shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these
things, and your heavenly Father knows that you need them. But seek first his
kingdom and his righteousness, and all these things will be given to you as
well. Therefore do not worry about tomorrow, for tomorrow will worry about
itself. Each day has enough trouble of its own.”
-Matthew
6:25-34 NIV
A bit of a long
quote, I realize, but so beautifully emphasizes that God is our provider, and
that no amount of our own striving will ensure that we always have the things we
need. So if the purpose of having money
is not to provide us with necessities and sustain ourselves by our own works,
what is the point? One of my favorite
quotes from the bible explains:
“Anyone who has been stealing must
steal no longer, but must work, doing something useful with their own hands,
that they may have something to share with those in need.”
-Ephesians
4:28 NIV
Luke also
wrote in the book of Acts, we are also told something that most people
partially recite around Christmas time:
“In everything I did, I showed you that by this
kind of hard work we must help the weak, remembering the words the Lord Jesus
himself said: 'It is more blessed to give than to receive.'”
- Acts
20:35 NIV
Based on
these verses of scripture, we are supposed to work in order to have something
to share with those in need. As an
incentive, we are told it is more blessed to give than to receive. We are also reminded that we are to first
seek God’s kingdom and his righteousness, and the necessities of life will also
be given to us.
Western
society has a proclivity to assume that everything we earn is for our
consumption. We spout niceties around
Christmas time and tell our children that it is better to give than to receive,
and then demonstrate throughout the rest of the year that we’d rather give to
ourselves than other people. In
general, our culture tells us that more stuff will make us happier, and yet we
know from observation and many of us from personal experience that money does
not bring happiness. In one of his
sermons, Timothy Keller, using the Myth of Sisyphus as an example, puts it this
way: “Hell is an activity from which nothing good ever comes except the need to
do it again.” Buying more and more
material items brings nothing good, only the need to buy something else.
The
solution then to our money problems is twofold.
First, we must break from the imposed mould that what we have in our
possession is for our own consumption.
Andy Stanley in a podcast entitled Enemies of the Heart states that the
remedy to greed is to write a big cheque, bigger than we’ve ever written
before, and give it away. It takes a
decision to do something that greed would encourage you not to do, a decision
to use what you currently have to help someone else rather than waiting for “a
little extra” to come along so that you can give it away. Second, we need to be good stewards of what
we have been given, and create budgets, spending plans and track our spending so
that every purchase is a conscious decision.
Knowing where our money is going and how much money we have left in all
of the little pots that add up to make our budget is paramount. Only by knowing where our money is going and
how much we spend on everything can we make adjustments in our spending and
saving pattern to avoid going into debt.
Last, don’t buy what you don’t have the cash for. The only things I can think of that might (I
emphasize that word) fall outside this category would be a house and education,
but even those things could be paid for in cash if we were serious enough about
avoiding debt. What it would mean is
living with our parents for longer, getting part-time jobs while we’re in
school, and not living as if we’re entitled to all the luxuries that life has
to offer. Of course, our culture would
encourage us to do everything exactly the opposite.
In my own
life, I started out by buying a vehicle that I could afford the purchase price
but not the regular upkeep. I didn’t
budget for my tuition, and so when that came up, I couldn’t afford to keep my
vehicle going and then had to run to my parents for a loan. I continued on with my poor spending habits
without revisiting my financial plan (which was non-existent). Next I got a job after my undergraduate
degree that paid minimum wage, and used my line of credit to buy great outdoor
clothing at amazing discounts because I worked at an outdoor outfitting
store. The following year I got into
medical school and obtained the proverbial professional student line of credit. This seemed like the holy grail at the time,
and my first purchase was a $1200 flat screen television. I also moved out of my parents’ house, and
got a debit card that was directly connected to my line of credit. So now, after 8 years of undergraduate
education, with a year between each degree, I owe more than the average medical
student debt of $124,000. Le sigh. I have never before been a good steward of
the money I’ve been given, and have worked myself into debt primarily due to my
sense of entitlement, which was only recently revealed to me as being such. In retrospect, I could have stayed under my
parents’ roof a while longer, I could have done without a vehicle, and I
certainly didn’t need to buy a frivolous television.
Now, I have
a spending plan and a budget. I know
exactly how much of my savings is for which purpose, our bills are arranged so
that we never overdraft, and we have a plan for meeting our charitable
donations goal. One of the startling
things that we realized was that when we budgeted and planned for all our
expenses, we would need about $500 per month more than we currently make. So my wife and I have decided that we need to
sell my vehicle in order to reduce our expenses, and put us into a positive
balance. Sometimes being financially
responsible means taking the bus and walking to work, instead of paying a
second vehicle payment.
So what are
you doing with your money? Do you give
any of it away? Do you spend it all on
yourself, and the things you “need?” Do
you even know where it all goes? Being
wise with your money and simultaneously letting go of materialism are
definitely first steps toward true peace and happiness. Remember, no one can serve two masters; you
cannot serve both God and Money.