The
following is a college paper I wrote based on a lecture by Mr. Jim
Rickard, the director of the Stewardship Services Foundation. The
lecture entitled, “Personal Finance Management Principles”
underscored fourteen practical steps to the wise management of the
resources God has entrusted to our care. At the heart of his lecture
were three foundational points for the believer, which I have
attempted to uncover in this paper.
From the Stewardship Services Foundation website:
The Stewardship Services Foundation is a privately funded, non-profit corporation established for the singular purpose of serving the fundamental Christian community. The Foundation offers you and your church several important stewardship services: Estate Planning Seminars which includes counseling on Wills and Living Trusts, Income Tax Seminars including the preparation of Federal and State returns for ministers, Family Finance Seminars, and Church Leadership Seminars.
May
you be built up.
-Joshua
“You
can't have one foot on earth and the other in heaven, it
compartmentalizes your life.” These piercing, timely words of Mr.
Jim Rickard summarize the epitome of the battle we as believers face
daily; a battle over our loyalties; A battle over submission; a
battle over who will rule over the throne of our hearts, either God, or our fleshly indulgence, but never both. In
speaking to the issue of yoking in his second letter to the
Corinthian church, Paul says “Do not be unequally yoked with
unbelievers. For what partnership has righteousness with lawlessness?
Or what fellowship has light with darkness?” (2 Corinthians 6:14 -
ESV).
If
in our daily interaction with others we are commanded to reject any
notion of entertaining darkness; how much more so in our own lives,
in our own struggle with the sinful nature? This astounding
dichotomy of natures, nestled deep within the heart of every
believer, fabricates a surging war between obedience and rebellion
(Romans 7). With lustful hearts bent upon arrogant rebellion, how
often do we gaze upon material things to the degree that we become
convinced our lives are hopelessly miserable apart from amassing
wealth and goods that promise satisfaction, but result in absolute
misery; that promise fulfillment, but in actuality, produce the sad
and horrific realization of emptiness? What must we do to guard our
hearts against attraction to a godless world of material gain? I
believe the answer is found in how we practice generosity,
contentment, and integrity, the three foundational points outlined by
Mr. Rickard in his lecture.
Mr.
Rickard spoke for quite some time, and rightly so, about the superior
importance of practicing generosity. Its significance is
unquestionable and our understanding and acceptance of it absolutely
imperative. In fact, as was outlined in the lecture, generosity
forms the root of every other financial issue simply because if I
refuse to be generous then what I have is a much deeper, much more
concerning problem; a lack of desire for obedience and a refusal to
acknowledge, by my actions, that God is the provider and sustainer.
This type of detrimental thinking meets its logical conclusion in a
conceited self-reliance that, if left unchecked, could result in
eventual apostasy. Moreover, such an outlook will undoubtedly lead
to a foolish lifestyle that uses resources to glorify self, rather
than God. This begs the question, how do I get generosity right?
Simple. By not starting with generosity. Beginning with the surface
issue, namely generosity, gets me nowhere when the root issue is my
view of God. Having a right view of God instinctively leads to a
right view of generosity. Conversely, I can never start with
generosity and arrive at a right view of God because I have started
by looking at self rather than gazing at Christ. As believers, we
understand this, but what about unbelievers?
Giving,
donating, charity, and philanthropy are just a few words that are
familiar to, but not comprehended by, most people in our world.
Indeed
they cannot comprehend - apart from Christ. They give when compelled by a mounting sense of urgency or to gain
status with peers and coworkers. Some will give only when they feel
like it, and still others from a mere sense of obligation or because
they have deceived themselves into believing that it will somehow
gain them greater favor with God. What is wrong with all of these
reasons and many more besides is the motivation behind the giving.
It is self-centered. “I will give when I
think
it is necessary, I will give to impress peers,
I will give when I
feel
like it, I will give to impress God so He will bless me.”
We
should not expect anything other than such self-centered motivation
from unbelievers. After all, they are ignorant to the truth.
However, the sad reality is how well such motivations oftentimes
describe believers. In some cases the sinful motivation of our
hearts might be blatantly obvious (as was seen in the paragraph
above), but astonishingly subtle in others. Nevertheless, in either
case, we
must be diligent to avoid the trap of serving self under the guise of
serving God. Motivation does matter. This is probably most
powerfully illustrated in the offerings of Cain and Abel recorded in
Genesis chapter four. Ultimately, Cain's offering was not rejected
because it was not a lamb, like Abel's offering. It was rejected
because Cain's motivation in giving was not to worship God.
In
light of these things, what should be the correct motivation in my
giving? Simply this, love accompanied by joy. Jesus says in John
14:23 (ESV), “...If anyone loves me, he will keep my word...”
Our love for God drives us to obedience. Anything other than love
falls remarkably short. The joy which should accompany my giving is
not bound by circumstances, moods, or emotions, but is a Spirit
enabled state of mind that remains unshaken, come what may. In
addressing this very issue, Paul writes in 2 Corinthians 9:6-9 (ESV):
The
point is this: whoever sows sparingly will also reap sparingly, and
whoever sows bountifully will also reap bountifully. Each one must
give as he has decided in his heart, not reluctantly or under
compulsion, for God loves a cheerful giver. And God is able to make
all grace abound to you, so that having all sufficiency in all things
at all times, you may abound in every good work. As it is written,“He
has distributed freely, he has given to the poor;
his righteousness
endures forever.
Loving
obedience must serve as the primary motivation for my giving, but
there is still more involved. I should be compelled to give because
of the unparalleled opportunity to use my resources to help those in
need and to advance the glorious gospel of Christ. James 1:27 (ESV)
says, “Religion that is pure and undefiled before God, the Father,
is this: to visit orphans and widows in their affliction, and to keep
oneself unstained from the world.” While
this command's boundaries extend far beyond money, I should
generously offer whatever I have, including money, in loving
obedience to help those in need.
The Christian is always to be reaching out toward others with the
love of Christ, seeking justice for the oppressed and the needy and
continually pursuing after the heart of God in being acquainted with
the response He requires of us in meeting the needs of the helpless
and afflicted. The response, or lack of response, I have to the
needs surrounding me also aids in proving the legitimacy or
illegitimacy of my faith. Genuine saving faith will lead to action,
because faith requires obedience.
Generosity,
then, is an outward manifestation of the state of our hearts'
dependence upon God alone to save and sustain. To the world it is
nonsensical deprivation. But to us, generosity is indicative of
simple trust in the kind providence and sovereignty of God. It is
rejecting the pervasive attitude of gluttonous self-gratification and
replacing it with perpetual contentment. The writer of Hebrews
confidently asserts, “Keep your life free from love of money, and
be content with what you have, for he has said, 'I will never leave
you nor forsake you.'” - Hebrews 13:5 (ESV). Here the author
reminds his readers of the blessed assurance we have in God's
affectionate promise to never leave nor forsake us. His objective
being that, in looking to Christ, we might relinquish our grasp to
the material and forgo our little efforts to become self-sufficient,
recognizing instead that He is all we need! We do not need Jesus
plus a larger income. We just need Jesus. In fixing our gaze upon
Him, we are assured that He will supply all that is necessary for
life and godliness (2 Peter 1:3). There is truly nothing lacking in
Him. He is all-together sufficient. Contentment is found only in
its source, Jesus Christ. And until we are content in looking only
to Him, we will never be content with what He has given.
So,
then, there is a fascinating duality at work here. Lasting
contentment on the material level can only be found as a result of
unceasing contentment in Christ, which can only be discovered from an
ever-present discontentment with self and the current level of our
comprehension of and meditation on Christ. Conformity to Christ
demands a certain level of discontentment with our current state.
Pressing on requires us to first acknowledge that there is something
to move away from and something infinitely greater to move toward.
It should be stated that this type of discontentment is not pitiful
self-debasement, but is a humble desire for more of Christ, born from
a cognizance of how little we know Him. Furthermore, this
discontentment should not be confused with ingratitude. Rather, with
hearts full of thanksgiving for all that Christ is, has done, and has
revealed we persevere.
Finally,
Integrity forms the cap-stone atop the foundation. It comprises the
ethical standards of our conduct. Devoid of a Biblical standard,
however, integrity is worthless because its roots are in man's
thoughts and reasoning. As with generosity and contentment,
integrity begins with looking to Jesus. In doing so, Christ and His
word become increasingly more sufficient and we regulate our lives to
the authority of His word. Financially, this means being guided by
Scripture in the discharge of our funds, being honest in our
dealings, using proper judgment and scrutiny, and being a trustworthy
people.
These
three points, though not exceedingly practical, are the building
blocks for financial success. By success, I do not necessarily mean
wealth, though I by no means exclude it. Success, Biblically, is
responsibly managing the resources God has entrusted to my care and
exploiting them to have the most effect for the gospel. After all,
everything material will perish. As Mr. Rickard noted, earthly
treasures are tools to be used in service to God. “We must pour
our lives into people,” Mr. Rickard said, because they are of
eternal value. Practical steps will fall into place, as long as
Christ is kept at the center. May God grant me grace to seek His
face and never turn away, no matter the amount of worldly pressure
and opposition that surrounds me. He is worthy; may He find me
faithful.