Trying to follow

John Wesley once said,

“If I should die with more than ten pounds, may every man call me a liar and a thief.”

Wesley, though he made quite a bit of money from his publications, took little for himself, and he died poor. If there was an example of living out Christ call to the rich young ruler to sell your possessions and give it to the poor, John Wesley was probably it. Jesus clearly tell us, “do not store up in barns where moth and rust destroy.”
My wife and I currently our in debt, with a handful of school loans. Besides school tuition though, our cost of living is less then our income (if your’s isn’t you might have a problem). We have every intention of that fact remaining, more coming in then going out, for the rest of our lives. That being said, we will constantly be faced with the question of, What to do with Excess?

John Wesley’s choice was to rarely let it come within reach, he gave the vast majority of what he made to those in need, and kept only what he needed to live for himself. Wesley’s answer to what to do with the excess money he received was to immediately use it to meet the needs around him. Seems like a pretty good practice to me.

But what about investing? What would Jesus have said if Bethlehem Financial could turn your couple extra coins a month into piles of cash years later to feed the poor, care for the widow, and allow you to serve those around you without depending on others for food? Isn’t that what the parable of the Talents lifts up so much? Wise stewardship?

Every month we have X amount of dollars to decide what to do with, I don’t see it as mine to spend on myself, but rather a resource to carry out the good God calls us too (Loving our neighbors, etc). I could take a portion or all and sponsor a child, meeting an immediate need, and keeping me from the close at hand temptation of wealth. Or I could save some of it, not for financial security (though the temptation would be close at hand), but to invest and grow, so that what would have provided one loaf of bread could eventually provide thousands.

I claim to that I am trying to follow the teachings of Christ, and I do not want to be a liar by the way that I live my life. I do not want to be a Thief by taking more then my share of this place. So I wonder, What do I do with the excess?

A little while back I started writing a series of posts about finances. I attempted to explain some of how I thought we should be living out our lives financially. It was met with some criticism and disagreement, which I think was fairly healthy.
I still have some pretty solid thoughts on how we should be living and how we should handle our finances, but I’ve also got quite a few questions. After a conversation with my friend Chris, these questions have been running through my head quite a bit, so I thought I’d do a short series dedicated to exploring these questions. I’m really hoping for some feedback, because these are intended to be questions that I have and ideas I’d like to explore… I haven’t settled on any answers yet.
I’ll put out some of the scripture that have influenced my thoughts, and share some of what I’ve thought about. Put it this way, I think we need to talk more about money. Jesus talks about money a lot, and when he says, “you can’t serve both God and Money,” I don’t think he was talking about people bowing before dollar bills. I know a lot of churches and Christians are weary of scaring people away by talking about money and giving, but when we do that we force ourselves to neglect a lot of things Christ said and talked about.

Financial Lesson #3: Live by your values, not your income.

I’m a little worried about moving on with so little feedback on my last finances post, but we’ll proceed anyways.
I think one of the BIGGEST steps we can make to healthy finances and Christ-like stewardship is to begin to live by our Values, rather then our Income. To make this conversation meaningful let me direct it to three different audiences:

Mr. College Student:
You are the one group I need to clarify something with: Most of you college students do not have an income. What does that mean? It means for a lot of you, you are going into debt to get yourself an education. Most folks would say that is a good thing, and some would say it’s not really debt, it’s an investment. I think I would agree with them, education is something I certainly value and I’m sure you do to, so this is a wise decision.
What does this also mean? It means you are going out to eat on the weekends, and bowling and buying concert tickets on money you don’t have. Going into debt on entertainment, does that align with your values?

Ms. Recent College Grad with the entry level job:
Congrats, you finally have your own income and are paying your own bills. It’s time to make some of those important decisions. There’s a good chance your still in debt for your school loans so some of what I said to the college students still applies. What that means is that you need to decided if it is more wise stewardship to pay off your student loans, or buy those fancy couches on lay-away.
I bet I know what most of you are choosing: your going to pay off the student loans, who needs fancy couches anyways? Especially you college students who had any exposure to global issues like poverty. To you folks it seems silly to buy a big screen TV for your living room when most folks in the world can’t put food on the table for their kids. That is your values speaking.

Mr. and Mrs. Nice job and In the money:
Hopefully your idealistic college days values are still in your mind. You have stepped into the world where the “American Dream” is possible and most would say necessary. You’ve got a better paying job and you darn well want to show it. You’ve been eyeing that BMW SUV and have kept your eyes open for a bigger home. And as far as everyone thinks there is nothing wrong with that: Higher Income = Higher Cost of Living. And suddenly your values are out the door. gone.

To clarify again I’ll leave you with a word picture and somewhat of a paraphrase of Luke 3:11*. Say your at home. A blizzard has just begun outside and you and your brother have to make the trek to school. You get to the closet first and see before you two coats. It’s quite cold outside so you take both the coats, leaving your brother with none. Is that what Christ called us to?
Now another word picture. You recently received a commission from your church to be a full-time missionary in your town. You don’t need to quit your job or anything, but rather just continue living and spend your time sharing the gospel with others. Here’s the neat thing: your church gives you a million dollar annual living stipend to support you. What does your home, car, lifestyle, etc. look like?

This is the third time I am trying to write this post to clarify where my thoughts and views concerning my financial lessons come from. The reason I felt it was important to try and do this was because I feel like a few readers have misunderstood what I am saying and I want to try and make sense of it. Let’s just say I haven’t found the right words yet. Here is my third and final meager attempt.
I feel like some of what I have shared of views on finances have come across as a masochistic, vow of poverty, money is evil standpoint. That is not what I have intended by the things I have written.

I am not a masochist. I don’t like Pain. I don’t think Christ enjoyed pain either, yet for some reason he endured the cross. Like Christ there might be times we sacrifice at our own expense for the sake of others. When I say Christ calls us to give sacrificially I don’t intend 1) for that to be painful, nor 2) to do it for the pleasure of it being painful. If anything I am a hedonist. I believe God created us to love others and he has equipped us with the resources to do that in a lot of ways. I say we give sacrificially because we were created to.

I am not promoting taking a vow of poverty. Christ did say blessed our the poor, but I don’t think he meant we should all try to become poor in order to be blessed. I am not saying become poor for the sake of becoming poor. Yet, I should be open to the possibility that my following Christ call to love and give to the needs of others might result in my becoming “poor” by the worlds standards. Jesus did not tell the rich young ruler to “become poor” but he did tell him to sell all his possessions to meet the needs of those around him. I need to be willing to go there if I am going to carry out Christ call on my life to love those around me.

I don’t believe money is evil. When I say we should practice giving away our money with out so much concern for whose pocket it ends up in I don’t mean to do it because money is bad and you might as well stick it through a shredder. (I should have said buy a bunch of bottles of Root Beer and candy bars and leave them in odd places through out the town). Money is simply a means of trade. We should be sure not to elevate it too highly. God calls us to be a good steward of what he has given us, and I have every intention of doing so. God also calls us to love our neighbors and care for their needs, and I have every intention of doing that as well. These both involve money, but I don’t think they are in conflict with one another.

I’ll leave you with this word picture that hopefully will help you understand my perspective. One day your walking along and God shows up and says: “You are my child and you can have anything and everything in the entire world that you would like.” This is better then winning a million bucks, it’s better then getting a genie and three wishes, you can have ANYTHING. A couple of things to keep in mind though. God says you should love your neighbor as yourself and we’ve got 6 billion of them. He is also not going to make things out of thin air, what you choose is from what is available on the earth currently. The more I take the less that is available to others. And by the way there is a big line behind you (6 billion) of God’s children who are going to choose from what’s left when your done.
So what do you choose?

Financial Lesson #1: Discerning your Needs and Wants

I told you my financial wisdom would not be overly complicated or deep, and lesson #1 is no exception. You must sit down (and if you are married, you both need to sit down) and draw up a list of your basic NEEDS (That you spend money on). To make this easy, do not start with what you see in and around your house, start with what you will be purchasing from this point forward. As an example person myself, here is an example.

Jack and Jill sit down and start their list of NEEDS. Immediately the basics come to mind: Food and Shelter. They break shelter down into clothes and rent (including heat, electricity etc). Now to get the money to purchase food they would need an income, thus their jobs. And to keep their job they each need transportation to work and occasionally work appropriate clothing. Jill thought back to here psychology days and Maslow’s hierarchy of needs and suggested they did have some ‘emotional’ needs that might be hard to countify. In the end they came up with these needs: FOOD, SHELTER, TRANSPORTATION, MISC (Clothing, soap, etc) and EMOTIONAL.

But, that’s not the end of the lesson. Things get a little more complicated at this point. Does “Food” mean eating out three times a week and coffee at Bongo Java every morning? Are those NEEDS? You must discern on your own what part of your “food” is meeting your basic needs and what part is fulfilling your WANTS. The same goes for clothing. You might NEED button down shirts and dressy shoes for on the job, but you don’t NEED name brand clothing to wear out on the town. Getting to work is a Transportation NEED, driving across town to the outlet mall is not. Does that make some sense?

As you think through your needs, be sure to write down the things you’ve discerned are WANTS in another column (eating out, coffee, shopping trips, new sweaters).

Your Assignment for this week: Spend money as you normally have in the past, but be very concious of how much you are spending on Needs and how much on WANTS. Keep track of actual purchases if you’d like. And see if thinking through these lists actually changes what you spend money on through out the week.

…Lesson #2: Giving