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Posts Tagged ‘wealth’


Confession: I have a love-hate relationship with the culture war.

I’m torn in two. I have strong convictions on some things that I think are important. But I’m weary of how we as a culture, including the church, discuss these matters. I’m becoming more concerned with ministering to struggling people than trying to be right. I do want to explore nuances on some issues.

The subtitle of one of Scott Sauls’ books interested me. That book is Jesus Outside the Lines: A Way Forward for Those Who Are Tired of Taking Sides. Sauls is a PCA pastor in Nashville who used to work with Tim Keller in NYC. In many ways he is like Keller, making distinctions and exploring nuance. He tends to tick off both the left and the right. If the Bible is true, Keller notes, it will critique every culture and every person. That means that everyone will be annoyed by something it says. The same will be true for faithful pastors. The left thinks you are too right and the right that you are too left.

In his introduction Sauls puts it this way:

“Are we known by what we are for instead of what we are against? Are we less concerned about defending our rights- for Jesus laid down his rights- and more concerned about joining Jesus in his mission of loving people, places, and things to life?”

While we believe in truth, we also believe in grace and peace. This means a Christian should be pursuing all of them, not just one. In Paul’s letter to the Galatians he calls them to end what we’d call their tribalism in light of the fact they’ve been baptized into Christ. Their union with Him and one another takes precedence over the divides that kept people apart in their culture. In light of this we keep truth and love together, as Paul notes in Ephesians 4. Sauls wants us to see beyond the polarization to affirm what is true about each side of an argument in the process of finding the truth in the middle so we can love both sides and hopefully bring them together.

The book is divided into two main sections. The first addresses issues between the various “Christian tribes”. The second addresses some of the issues that polarize the church and the world.

The first issue he addresses could be in both sections of the book: politics. Reflecting Keller he argues that no political system or party is fully aligned with Jesus and therefore subject to critique. Politics is like a religion in America. There seems to be no middle ground.

God has instituted government, and raises up and casts down leaders. Those governments and leaders don’t serve Jesus. In our own context the two parties grab hold of part of what Jesus says. As Christians we can think they have the whole (or none in the case of THEM). We each have agendas and choose the candidate or party that best represent them. And one of those agendas tends to be political power. It is not just the evangelical right that courts earthly power, as the evangelical left would have you believe. Both sides have made compromises to gain cultural power so the current dust ups are largely disingenuous to me.

“Kingdom politics reject the world’s methods of misusing power and manipulating the truth.”

As we consider politics we should recognize that Christians should be involved in terms of voting and also holding office. Yet we should do this understanding the limitations involved. No candidate or platform is perfect. We are not electing pastors, and being a Christian doesn’t necessarily make one wise or beyond corruption. This is another way of saying that politics is not a means to usher in the kingdom of God. It is, however, a means to help human flourishing so the work of the kingdom can take place in and through the church.

Sauls notes that Christianity tends to be healthier when it is part of the minority, not the majority. As the minority we are generally less conformed to the world, and less likely to trample other groups. As the majority we tend to cling to power and can abuse it. We are fallen humans after all.

He also notes that “Christianity embraces both conservative and progressive values.” It is neither. Christianity teaches that women are made in the image of God. As such it should embrace equality for women. Christians have long had a prevailing ethic of life contrary to many an earthly government and culture. If we treat women well, the pro-life movement is not assumed to be a war on women.

I don’t want to spend as much time on the other polarizing viewpoints. But in discussing politics with some from the evangelical left recently I’ve heard the accusation that I’m actually pro-birth and don’t care about the poor. That’s a nice talking point, and the second chapter: For the unborn or the poor? Oddly, I’ve found many conservatives at the forefront of care for the poor through groups like the Salvation Army, Compassion International and through funding soup kitchens, pantries and homeless shelters.

It is difficult to discuss this topic without getting back into red state-blue state. But the question is not a new one: who should care for the poor, the church or the state? Calvin argued that church should, and Luther thought it was the state. We have a similar divide between the evangelical right and left. It isn’t really about whether to care for the poor but who and how. Our problem is we tend to see the other side not caring because they don’t do it the way we think it should be done.

Sauls brings us back to the reality of both the unborn and the poor bearing the image of God. This should lead us to have a comprehensive ethic of life. Mine would go something like this: The state should protect the unborn while the church/Christians should provide for the unborn and the poor. The state should protect the living by bearing the sword against the wicked who forfeit their lives for certain heinous crimes.

The section also addresses personal faith or institutional church, money guilt or money greed, racially the same or racially diverse, and him or her. These are important issues that we tend to take extreme positions on and fight about in the church. These, of course, are false dilemmas for the most part. We should value both personal faith and the institutional church. One tends to be dead without the other. Sauls notes that the early church was FAR from perfect, so the problems of our churches shouldn’t mean we reject “organized religion”. Rather, the church is a place where we learn to love people who are very different from ourselves. As he argues, we need the church and the church needs us.

In discussing money he reminds us that the underlying issue is contentment. Most people are not content with their wealth. This can manifest itself in either hoarding or spending. We inevitably have to see the God-man who was rich but became poor to enrich others. As we consider Him He makes us people who also enrich others.

Racial questions are difficult because we have such a hard time moving beyond our experience. We tend to normalize our experiences and can’t see other people’s experience (especially minorities) as valid or true. People in the majority need to begin listening to minorities. Privilege, I’ve found, doesn’t have to do with having an easy go of things so much as there are things you never have to think about. For instance, when I get in my car I never wonder if I’m going to get pulled over by the police. Many blacks and Hispanics do, and that is because they are pulled over far more frequently than me. When I get pulled over I don’t think that I’d better record it just in case things go south. I’ve always been treated with respect by the police. But many blacks and Hispanics are viewed with more suspicion by police than I am. Their experience is so different than mine. There are negatives I don’t experience due to my race, social status or both.

The same is true regarding men and women. I don’t go for a jog (when I used to) and wonder if I’ll get jumped and raped. I don’t pay attention to the cars on my walk to see if the same one keeps going by. I don’t pay more for a car or repairs because of my sex. Studies show that women are often taken advantage of by sales and repair men.

Where Sauls goes is inequality in the church in both chapters. Minorities often feel forced to fit in with the white culture of a church. They feel like a token instead of someone who has a seat at the table with decision-making power. Women also have decisions made for them without seeking their wisdom and counsel. God gifts women for ministry too. They don’t have to hold office to exercise those gifts like egalitarians think. Some complementarians need to remember that this is true and not unnecessarily restrict the ministry of women.

In the second section he discusses affirmation or critique, accountability or compassion, hypocrite or work in progress, chastity or sexual freedom, hope or realism, self-esteem or God-esteem and then provides some quick pointers on living outside the lines in the epilogue.

He spends time discussing our need for affirmation and encouragement. He also distinguishes critique and criticism helpfully.

“Because an affirming critique always comes from the motive of restoring and building up, unlike criticism, which aims to harm and tear down.”

We all been victims of criticism. You feel worthless, humiliated and exposed. Critique is not focused on fault-finding and assigning blame. It is concerned with how we can do better. Affirmation should not be devoid of critique, but it should be devoid of criticism. In this context he shared a story of a bad relationship with another pastor that brought out the worst in each of them, and how it turned the corner into a healthier relationship when they considered how God was sanctifying each thru the other.

He invites to consider both the justice and compassion of God that is revealed in the cross of Christ, as well as the final judgment. This is not a book whose message is “can’t we just get along.” It brings us often to the gospel while reminding us that divine truth is not simplistic. Our positions may have elements of the truth but not the whole truth. As we interact with people of differing opinions we may discover they have some of the truth too. Sauls is not selling relativism, but is reminding us that the truth can be more complex than we want to make it in our quest to be right. Seriously, who wants to be wrong?

There is much to make you think and move beyond the false dilemmas we find in life. There are also some great stories. I loved the story about Doug and how Scott struggled with a competitive spirit with a man he hadn’t been in contact with for over a decade. Scott is vulnerable in this book. He’s not the hero who has it all together. He comes across to me as a guy who’s trying to figure all this out and shares a few of the things he’s learned. See this as critique instead of criticism and you’ll benefit from the book. See it as criticism and you’ll just get ticked and retreat to your own tribe within the lines. It might feel safer, but then so is a prison cell sometimes.

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Christians often have a very confused relationship with money. Many seek financial help due to indebtedness. Many more should.

All Christians, however, should clarify their relationship with money in a proactive rather than reactive way. PCA elder and community bank CEO Joe Kesler has given us a book for that very purpose in Smart Money with Purpose: Liberating the Goodness of Money in Your Life. His book is for a broader audience instead of positioned for those struggling with debt. As a result, he helps all of us think through the many issues surrounding our relationship with money. It is set up with discussion questions at the end of each chapter  to help you process not just the information but also your life.

Kesler starts with the goodness of wealth, from God’s perspective. It is common for Christians to focus on the negative side of money. The Scriptures don’t condemn money, or wealth, but the love of money. Many of the significant figures of the Bible were rich, and enriched by God. It is God who gives us the power to create wealth (Deut. 8). One iof the benefits of the Reformation was setting the church free from the idolatry of poverty, calling people to spend and create wealth which helped spawn the industrial revolution which significantly increased the standard of living for the western world.

“The human heart without grace will create havoc in any environment. The heart transformed by grace can, on the other hand, bring healing to either type of institution.”

In his second chapter he addresses the Deceitfulness of Money. It makes a good tool, but not a good master. Money as a source of security is a deceitful idol. Our greed and envy of others’ wealth is common fodder for politicians. Wealth is a product of many possibly factors. Not all who have accumulated wealth did it by exploitation or cheating. Acting like it can get you votes though. The answer the Kesler offers is that of stewardship- recognizing that God is in charge and gives us resources to take care of to accomplish His purposes and not just our own.

“Personally, I would much rather have some income inequality, but access to all the services that have been created by tremendous wealth creation, than a situation where we are all equally in misery. But the real point is not political, but spiritual. Envy of others’ wealth may feel good for a time, but in the end it rots the bones.”

The third chapter is pivotal: Putting the Power of Purpose in Your Financial Plan. He argues for gaining an understanding of God’s purpose for your life to drive your financial decisions. What you think you should be doing now and in the future should determine what you do with your money in the present. There is no one answer for this question. It is a question that many financial advisers ignore, or twist into a selfish purpose. As I read this I realized that most of a married couple’s fights about money and time are really a fight about mission. They either have no sense of mission to guide them, or they have conflicting missions that have not been reconciled or aligned. He provides some practical advice for career change and transitions.

He then moves toward the heart in focusing on your history with money. We all have a standard operating procedure with regard to money that has been shaped by our personal histories. He references Brent Kessel’s 8 financial archetypes, and sends you to take a quiz to identify which fits you. This does not mean you are stuck there. He provides the positives of most archetypes, as well as the weaknesses that should be addressed.

He then seeks to increase our money awareness: how much money flows through our lives and how to utilize that knowledge to make better financial decisions. From there he moves to the BIG financial decisions that take up most of the money that flows through our lives: homes, children, cars. Many couples don’t think about these decisions in light of God’s mission for them and the flow of money in their lives. They often receive counsel from those who benefit from their decisions: real estate agents, financial advisers etc.

He then talks about building wealth which starts with debt. Some debt is good, or productive, because it is an investment in the future and our mission. Some debt is regrettable or unwise. This is largely, but not exclusively, consumer debt. It may make us feel better, in the short run, but eventually we see that we have squandered money we could have used better because it is not productive. Some debt is immoral. Borrowing from the Old Testament he notes that we should not charge the poor interest so they can survive. Interest free loans to have a business is a good thing for the poor. Loans for rent don’t really help anyone get ahead. He helps us to understand the types of debt so we can evaluate past decisions, make changes and make better future decisions.

He then moves into investing, providing 9 habits for successful investing. What makes for successful investing for you may not make for successful investing for me. This is because our goals, experience, strengths etc are different. There is therefore, not one investment plan but these “habits” help us build a plan to invest.

It is not about just debt and investing. Giving matters in the present and the future. He notes the three kinds of tithes from the Old Testament which should guide how we think about giving. One of them is for celebrating God’s goodness to us. Some of their giving was spent on a party- think Thanksgiving on steroids. We should celebrate God’s goodness to us. This “tithe” can be used for parties, vacations, treating others etc. The second was the tithe for the poor. It was 10% every 3rd year. God gives us money that should be used to care for the poor. We should give to our deacons’ funds at church, local ministries to the poor, sponsoring orphanages or children in under-developed countries etc. There is also the Levitical tithe which provided for the Levites, priests and the worship of the people. The OT instructs us on the type of giving that should find a place in our lives.

The last chapter is on passing on an inheritance. He expands that to a spiritual inheritance. But he provides some helpful advice in thinking through the questions surrounding this issue.

Kesler’s book is a very helpful book filled with wisdom for a variety of people. It would be a valuable tool for any deacon’s toolbox as he comes alongside members with financial issues. It would be helpful for financial advisers to provide a more holistic approach to helping customers. I think it is good enough to get copies for all our church officers.

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Weakness is not something we tend to spend much time thinking about. We usually spend time avoiding it or trying to get out of experiencing weakness. Thankfully there are men like J.I. Packer who don’t (or can’t) run from it. Recent health problems have provided him with the opportunity to consider his own weakness. More importantly it gave him the opportunity to consider 2 Corinthians and how Paul, when faced with his own weakness, found strength in Christ.

Weakness Is the Way: Life with Christ Our Strength (Paperback) Packer, J. I. cover image

The fact that weakness is not option is found in the title of the book that resulted: Weakness Is the Way: Life with Christ Our Strength. This is a short book with only 4 chapters. Size should not be confused with significance. This is no Knowing God, but it is a balm for the soul plagued by weakness, which will eventually find all of us.

“The memory of having fallen short in the past can hang like a black cloud over one’s present purposes and in effect program one to fail.”

Many of us live with such black clouds. It could be moral failure. It could be vocational failure. I was the pastor of a church that closed. That black cloud hung about me for years. It still shows up  at times seeking to distract & deceive me. For Packer, his childhood accident and its consequences have hovered over him his entire life: weakness, alienation, left out…

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A funny thing happens when someone denies the reality of depravity.  Sin becomes something “out there” rather than in my heart.

Case in point.  I was reading part of Richard Foster’s Money, Sex & Power.  I bought this some time ago.  Today I was leafing through the book since my sermon is on the immoral and righteous use of wealth from James 5.  Foster’s theological roots include the denial of total depravity.  Jesus makes some difficult statements about the wealthy.  Foster takes these to mean that money is not morally neutral.  Instead is had a dark power.  For him all money is unrighteous though we may use it for righteous purposes.

You’d think he was basing his theology on Trivial Pursuit.  They erroneously answer that money is the root of all evil.  Sorry, the Bible says the love of money is.  The problem is not out there- money.  The problem is in my heart which seeks life from money instead of from Jesus.  My heart is a factory of idols- and it is prone to make money an idol.  Money does not make me worship it- it is an inanimate object.  The problem is my adulterous heart.

As long as we continue to objectify sin we will be on crusades against all manner of things: alcohol, TV, books etc.  When we do that we never put the earthly, sinful desires of our hearts to death in the power of the Spirit.  We fight the wrong war and wonder why we don’t make any progress.  Where you think sin is makes a world of difference.

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I’ll freely admit it; I’m a little behind the times.  In this instance I’m only about 18 months behind the times.  The Search for God and Guinness: A Biography of the Beer that Changed the World by Stephen Mansfield came out in 2009.  I picked it up with a gift card for my birthday in late 2010.  I’ve slowly been reading it in my spare time.  Finally, I am done.

In some ways it has the feel of a conversation at a pub over a pint or 2 of Guinness.  The conversation will shift periodically to seemingly unconnected things.  This book covers plenty of ground.  As a result, it is not as in-depth as some people might like.  The point is more the big picture than the details.  There were sections I really liked, and sections I found frustrating.

He starts before Guinness.  Since this is about God and beer, he develops the history of beer and how it was viewed “back in the day.”  Just today I heard a brief selection of a sermon by a local pastor who indicated that having a beer was worldly and should not be something Christians do for evangelism (I agree on that last part, it should be done for the glory of God!).  In a world without much clean water, beer was a safe beverage.  The monks and nuns often brewed beer.  Since beer has a lower alcohol content than wine and particularly hard liquor, it was viewed as a blessing by the church.  Faith did not reject beer, only drunkenness.  This is one of the better chapters in the book.  But the people who most need to read it, probably never will.

“John Wesley drank wine, was something of an ale-expert, and often made sure that his Methodist preachers were paid in one of the vital currencies of the day- rum.”

The second chapter focuses on Arthur Guinness and the birth of Guinness.  He was a methodical man who slowly perfected his art brewing beer for Reverend Price (as did his father).  But he also took calculated risks.  When he was ready, he started his independent brewery.  They had one brew- a stout.  To this day it remains a very good stout.  I’ve had better stouts, but it is consistently good.  It was also good for the people of Ireland and England.  The gin craze had hit and drunkenness was a growing problem.

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While on vacation I started to read Tim Keller’s most recent book Counterfeit Gods: The Empty Promises of Money, Sex, and Power and the Only Hope that Matters.  Yes, that is a long subtitle.  You’d think a Puritan wrote this book.

Others have tackled these topics, like Richard Foster in Money, Sex and Power.  But Tim Keller, for better or worse, frames it historically in light of the failure of many of these false gods in the economic crisis most of the world is experiencing.

This is an excellent book, though I am not sure it measures up to The Prodigal God.  Few books do.  This is a subject Tim Keller handles very well.

Some have been critical of the new, prevailing notion of idolatry as if it takes the place of sin.   Keller argues that the idea of idolatry makes more sense than the idea of sin (in this world of relativism).  Beyond that he refers to Luther’s point that idolatry is the root of sin rather than just being one of many sins.  So what Keller is doing here is trying to get to the root of our sin, the many false gods that we serve.

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You might be asking, “what happened to part 2?”  Part 1 was mistakenly saved as a draft instead of published, so Considering Proverbs and Work is actually part 2 of my review of A Proverbs Driven Life by Anthony Selvaggio.  Did you catch that?  Do you care?

The third part of the book addresses wealth.  His little summary statement is : A Proverbs-Driven life understands the place and purpose of material wealth.  This is much needed in our day and place.  American Christians’ perspective on material wealth is only slightly less skewed than the average non-Christians’. 

Selvaggio starts by addressing the heart.  This is where all our problems with money and wealth come from- our bent toward selfishness.

“… money is not the basic problem at all, but rather our love for it. … The moral issues regarding wealth arise entirely from how we acquire it, relate to it, and use it.  In other words, the problem is us.”

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I consider Proverbs to be “preventative grace”.  It was initially written to prepare young men for adulthood by providing practical wisdom.  It was to help them avoid the pitfalls of life’s choices rather than get out of them.  So, when I saw Anthony Selvaggio’s A Proverbs Driven Life, I was interested.  When I was offered a copy for free to review- I was estatic.

Before Selvaggio gets into the various topics that Proverbs covers, he wants to orient people to what Proverbs are, and aren’t.  Since Proverbs is a book about wisdom, it is about everyday life.  It is not about laws & precepts (he hits that again in a later section) but more like signposts.  Proverbs are generalisms that help us to make good choices by cluing us in to the typical outcomes. 

We need this book because, as he says, “people make a lot of short-sighted, self-centered decisions.”  And those decisions bring lots of misery to them and others.  We are a people who profoundly lack wisdom.

Proverbs offers us future-oriented wisdom and guidance so we can make wise decisions and live in ways that please and exalt God.

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