2000 by The Navigators All rights reserved. Permission is granted to download and print one copy to use with a study group.
NAVPRESS1
The Navigators is an international Christian organization. Our mission is to reach, disciple, and equip people to know Christ and to make Him known through successive generations. We envision multitudes of diverse people in the United States and every other nation who have a passionate love for Christ, live a lifestyle of sharing Christs love, and multiply spiritual laborers among those without Christ. NavPress is the publishing ministry of The Navigators. NavPress publications help believers learn biblical truth and apply what they learn to their lives and ministries. Our mission is to stimulate spiritual formation among our readers. 2000 by The Navigators All rights reserved. No part of this publication may be reproduced in any form without written permission from NavPress, P Box 35001, Colorado Springs, CO 80935. .O. www.navpress.com ISBN 1-57683-166-3 Cover illustration by John Maggard Cover design by Dan Jamison Creative Team: Eric Stanford, Marla Kennedy, Lori Mitchell, Vickie Howard Unless otherwise identied, all Scripture quotations in this publication are taken from the Holy Bible: New International Version (NIV). Copyright 1973, 1978, 1984 by International Bible Society. Used by permission of Zondervan Publishing House. All rights reserved. Other versions used include: The Message: New Testament with Psalms and Proverbs (MSG) by Eugene H. Peterson, copyright 1993, 1994, 1995, used by permission of NavPress Publishing Group; the New American Standard Bible (NASB), copyright The Lockman Foundation 1960, 1962, 1963, 1968, 1971, 1972, 1973, 1975, 1977; The Living Bible (TLB), copyright 1971, used by permission of Tyndale House Publishers, Inc., Wheaton, IL 60189, all rights reserved; the New Revised Standard Version (NRSV), copyright 1989, by the Division of Christian Education of the National Council of the Churches of Christ in the USA, used by permission, all rights reserved; The New Testament in Modern English (PH), J. B. Phillips Translator, copyright J. B. Phillips 1958, 1960, 1972, used by permission of Macmillan Publishing Company; The Holy Bible, New Century Version copyright 1987, 1988, 1991 by Word Publishing, Dallas, Texas 75039. Used by permission; The New English Bible (NEB), copyright 1961, 1970, The Delegates of the Oxford University Press and The Syndics of the Cambridge University Press; and the King James Version (KJV). Scripture quotations marked (NLT) are taken from the Holy Bible, New Living Translation, copyright 1996. Used by permission of Tyndale House Publishers, Inc., Wheaton, IL 60189. All rights reserved. Printed in the United States of America 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 / 04 03 02 01 00 FOR A FREE CATALOG OF NAVPRESS BOOKS & BIBLE STUDIES, CALL 1-800-366-7788 (USA) OR 1-416-499-4615 (CANADA)
Contents
Introduction 5
SESSION
1 Material World 7 2 I Cant Get No Satisfaction 19 3 Land of the Free, Part 1 31 4 Land of the Free, Part 2 41 5 The Habit of the Wise 51 6 What Do I Do with All This Stuff? 61 7 Moneys Kingdom Power 73 8 Your Money and Your Life 87
Introduction
Money Madness Money. We love it; we hate it. It makes our lives easier; it complicates our lives. It allows us to help spread the gospel; it distracts us from truly living for Christ. Even Jesus seemed ambiguous about money at times. On one occasion He called it mammonan idol. On another, He told His listeners to use money to make friends. Is it any wonder that we struggle to discern moneys place in our lives? Over the years, Discipleship Journal has published a number of articles that address the topics of money and possessions. This study compiles some of those signicant articles and combines them with discussion questions and innovative learning activities that will help you discover how to handle your wealthgreat or smallin Christ-honoring ways. As you interact with the articles, questions, and activities, youll examine the following questions about your money and your stuff: What is materialism, and how do I know if I am materialistic? When does a longing for more turn into greed? How can I learn true contentment? What principles from the Bible can set me on the road to nancial freedom? If I save money, am I failing to trust God? For what should I be saving, and how am I supposed to save when I cant even make ends meet? Ive got a lot of nice things. Does that make me unspiritual? How can I use my money and possessions in ways that will be eternally signicant?
5
How This Study Guide Works This Discipleship Journal Bible study may look a little different from study guides you have used in the past. In addition to the Scripture that youll be looking at in each article, weve combed through issues of Discipleship Journal magazine and selected some of the best articles on a variety of topics essential to living life as a disciple of Christ in todays world. This combination of Scripture texts and the sharpened insights of experienced communicators should give you plenty to contemplate as you discover what it means to follow Jesus in your life situation. The idea is to help you to be a doer of the Word and not merely a hearer ( James 1:22, NRSV). Not all questions incorporate specic verses of Scripture, but they all are intended to help you think through what it means to apply biblical truth. Sometimes that will involve changing the way you think, and often it will mean changing the way you act. This study guide is designed to be used either individually or in a small-group setting. (Your experience will likely be enhanced by the input, perspective, and prayers of like-minded believers.) Even if you work on this study on your own, we encourage you to share your insights and discoveries with someone who can help sharpen you in your walk with God (see Proverbs 27:17). Our prayer is that Gods Word will both challenge and encourage you as you seek to follow Him with all your heart and with all your soul and with all your mind and with all your strength (Mark 12:30).
SESSION
1 World Material
In an introduction to the article that follows, Steve Thurman wrote, An old Jack Benny skit illustrates many peoples attitudes toward money. Jack is walking along when suddenly an armed robber approaches him and demands, Your money or your life! There is a long pause. Finally the robber impatiently asks, Well? Dont rush me, Benny replies. Im thinking about it. We laugh at such irrational behavior, but some of us may laugh a little nervously! We live in an age when life without money is unthinkable. And in many ways, money is essential for life. It buys us food and drink to sustain life. It pays for shelter and clothing to protect us from the elements. Without it, we would be unable to obtain medical care, acquire an education, and so on. If we cannot live without money, then how do we learn to live with money? The following article, entitled Life, Liberty, and the Pursuit of Just a Little More by Steve Thurman (excerpted from Issue 53), will give us some guidelines for living with money without falling in love with it. As you work through this study and the ones that follow, you may nd it works best to read the article once without stopping to answer the questions. Underline any portions that stand out to you. Then read the article a second time, responding to the related questions and exercises as you go.
7
1. a. When you hear the word money, what emotions do you feel?
b. Now ask three other people (preferably at least one nonChristian) the same question and record their responses.
2.
Steve Thurman says even followers of Christ are too in love with money. Do you agree? Why or why not?
3. a. This description of a materialist sounds a lot like some people Jesus described in Luke 8:4-8,11-15. What phrase describes the people in verse 14?
b. What similarities do you nd between this description and Steve Thurmans description of a materialist?
d. Have you seen this occur in your life? If so, describe the situation.
4.
Most of Jesus parables contain an element of surprise, an aha moment when what you expect does not occur. In this parable, the aha is in verse 20: But God said to him, You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself? Why might it come as a surprise to Jesus listeners to hear God call this man a fool? How does that go against conventional wisdom?
10
5.
Look at the use of I and my in this story. What do they reveal about the mans attitude toward his wealth?
6.
How do you think Jesus would respond to the modern slogan The one who dies with the most toys wins?
7.
The following verses describe other prosperous people who acted like fools. Match the verses on the left with the foolish behaviors on the right by drawing lines between them.
Deuteronomy 6:10-12 Proverbs 1:32 Proverbs 18:11 James 4:13-16 Revelation 3:17 complacency self-sufciency forgetting God misplaced trust overcondence in the future
8.
Which of these attitudes toward wealth have you observed in your own life or in the lives of those around you? Give a recent example. (Or think about examples from movies, television shows, or advertising.)
11
9.
Gods complaint against the farmer in the parable is not that he is rich, but that he is not rich toward God. How might someone rich toward God have behaved differently?
10.
What are some ways you try to be rich toward God with your money and possessions?
But it doesnt work that way. Thats not in the Scriptures. Materialism is not a number. It isnt determined by how much or how little we have. Its a matter of the heart.
11.
Do you agree that materialism has nothing to do with the amount? Why or why not?
12.
By what standards do you tend to measure a persons materialism (for example, $500,000 house, fur coat, Cadillac)?
13.
How does 1 Samuel 16:7 support the articles position that a person cannot be labeled as materialistic based solely on what he or she owns?
my little nancial empire rather than reducing it for someone elses good, then I know I am caring too much for the material over the spiritual. These are the warning lights on my spiritual dashboard. When they start ashing, Id better check under the hood. My conscience is muddied, my Lord is grieved, and I can feel it in my spirit.
14.
The author gives four warning signs of materialism: worry, envy, ingratitude, and stinginess. Circle the one you encounter most often in your life. What circumstances are most likely to cause you to worry, envy, be ungrateful, or be stingy?
15.
16. a. Look up the verses below that relate to the warning sign you wrote down. WorryMatthew 6:25-34; Philippians 4:6; 1 Peter 5:7 EnvyProverbs 14:30; James 3:13-17 IngratitudeDeuteronomy 8:10; Romans 1:21; Colossians 3:15; 1 Thessalonians 5:18 StinginessProverbs 11:24-25; Luke 12:33; Acts 20:35 b. Do the verses youve read contain any warnings? Record what you found in the space below.
14
17.
The next time you nd yourself giving in to worry, envy, ingratitude, or stinginess, what could you do differently?
18.
How might a focus on godliness instead of wealth affect the following aspects of life? Be specic. Family relationships Worship Work Leisure Personal ministry
15
DJ I assume that you, like me, will not walk away from reading
this with the problem of materialism solved. The process of overcoming money madness will take more than an overnight prayer, reading this article, or hearing a good sermon. I nd hope in something Paul wrote in Philippians 4:12-13: I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength. Did you catch it? Paul learned to be content in the circumstances of life, rich or poor. And he learned how to do this in relationship with Him who strengthens. Let us go and do the same.
19.
The author ends his article on a note of hope. Restate the basis of his hope in your own words.
20.
What words of encouragement do the following verses offer those who are trying to resist the pull of materialism and focus on living for Christ? 2 Corinthians 12:9
Philippians 4:13
2 Peter 1:3-4
1 John 5:3-5
16
21.
Glance back at what you have discovered in this session. What is the most important insight you have gained?
22.
What concrete step(s) can you take to reinforce the lessons from this session?
Parting Thought Ultimately, worshiping mammon means worshiping self. For we covet wealth not for its own sake, but for our benet. And that perspective betrays a broader and deeper attitude: everything, we think, exists to serve us. Thus we put ourselves in the place of God, for whose pleasure all things were created (Revelation 4:11).
E. Calvin Beisner, The Idol of Mammon, Issue 40
17
SESSION
1.
What do you think would satisfy you? To help you answer that question, ll in the following blanks: If only I had If only I could If only I didnt If only I wasnt
19
. . . .
2.
Do you know a contented person? How would you describe him or her?
DJ The Greek word pleonexias comes from two root words meaning eager to hold more in quantity or quality. It is most often translated greed (or, in some versions, covetousness). To be eager for more is to be greedy. The degree to which we ll that desire may depend on our income (or our credit rating), but the Bible warns against an inner discontent that says we just dont have enough. In Luke 12:15 Jesus alerts us, Watch out! Be on your guard against all kinds of greed; a mans life does not consist in the abundance of his possessions. Both Ephesians 5:3 and Colossians 3:5 list greed among behaviors and attitudes that are part of our old life and dont belong among Gods holy people.
3.
How does Jesus statement that a mans life does not consist in the abundance of his possessions challenge contemporary values and lifestyles?
4.
Read Ephesians 5:3 and Colossians 3:5. What other behaviors are listed in these verses alongside greed?
5.
Are you surprised that greed is placed in such bad company? Why or why not?
20
6.
Psalm 106:13-15 is a commentary on what happened in the wilderness. What fed the Israelites greed (v. 14)?
7.
8. a. Make a list of some of the things God has done for you.
b. Record how making the list affected the craving you wrote down in question seven.
21
9.
What is your gut response to Pauls instruction to be content with food and covering?
10.
Paul said that wanting to get rich leads to nothing but trouble. Proverbs 15:27 describes one area of life that can be affected by greed. What is it?
11.
to resist. Traps await us at every turn, and before long, foolish and harmful desires pierce our hearts, robbing us of the joy of our faith.
12. a. Luke 4:5-8 describes one of the ways in which Satan tempted Jesus. According to these verses, what did he offer Jesus?
13.
When we are tempted by greed, what comfort can we draw from Hebrews 2:18?
14.
Think back on the last purchase you made that you regretted. What was it? What questions did you ask yourself before you bought that item? Are there questions you wish you had asked? What are they?
15.
Leaf through a newspaper or magazine, noting the advertisements. What evidence do you nd of the encouragement of insatiability?
24
16. a. Below are some other translations of the term lust of the esh found in 1 John 2:15-17. The Message: wanting your own way New Century Version: wanting to please our sinful selves New Living Translation: the lust for physical pleasure New International Version: the cravings of sinful man b. Write your own denition of the lust of the esh. What would lust of the esh look like? It may be helpful to get input from a few friends about their understanding of this term.
17.
According to 1 John 2:15-17, what is a better path to satisfaction than surrendering to the lust of the esh?
driven by the endless diversions of the kingdoms of this world, failing to grasp the deeper yearnings behind our pursuit.
18.
The author writes, Even before our newest toy is out of the box, we feel the emptiness and long for something more. How does Ecclesiastes 5:10-11 support her statement?
19.
The author offers worship of our Creator as the ip side to lust of the eyes. How does worship affect your attitude toward possessions and money?
20.
What possessions are you most proud of (for example, house, high-tech computer, car, wardrobe)?
21. a. Read Psalm 49:16-19. What reasons did the man referred to in these verses have to be proud of his life?
b. What comment does the psalmist make about the value of these things?
c. How would someone who is focused on inheriting Gods kingdom differ from the man in Psalm 49?
tough questions when health problems required me to eliminate all sugar from my diet. I was completely unprepared for the battle that ensued. Because Id never been greatly overweight, Id convinced myself that food was not an issue in my spiritual life. I was wrong. In the rst several weeks, I was irritable, frustrated, and depressed. I xated on food several times a day. Not knowing what else to do, I decided to seek Gods face every time I wanted a snack. When others ate desserts around me, I asked God to uproot my unhealthy lusts. As Satan taunted me, I pleaded with God not to ease up on me until I was convinced from the depths of my being of His all-sufciency. Now, many months later, I thank Him continually for bringing me through that process. As I am learningdozens of times a dayto run to Him instead of food, our intimacy is taking on a depth I couldnt have imagined. I grieve at what I gave up through the years and pray this reality will grip my heart whenever the world beckons me to leave my Lords precious side. There is only one guarantee of contentment, and that is our all-satisfying God who ever lives to ll us with the knowledge of Himself. Because He is our Shepherd, we shall not want. Daily He spreads before us the cup of His kindness, the grapes of His goodness, the bread of His justice, or the meat of His mercy, bidding us to come and dine. He promises well never hunger or thirst again. This is the secret of being content with what we have, for He Himself has said, I WILL NEVER DESERT YOU, NOR WILL I EVER FORSAKE YOU (Hebrews 13:5, NASB). How can we settle for anything else?
22. a. Solomon had it all and tried it all. How did he describe his life in Ecclesiastes 2:4-10?
28
23. a. Paul also had it allat least all that mattered to a Jewish religious zealot of his day. Summarize his description of himself in Philippians 3:4-6.
b. According to verses 7-11, in what did Paul nally nd contentment and satisfaction?
24.
25. a. Did this session challenge the way youve been viewing your money and possessions? If so, how?
29
Parting Thought The things we hold on to keep Christ at arms length. Only when we turn loose of things are our hands free to take hold of the hands of Jesus.
Frank Martin, Lighten Your Load, Issue 78
30
SESSION
__ I forgo saving most months. __ I charge items because Im short in cash or my checking account. __ My net worth is decreasing annually. __ My housing payment exceeds 35 percent of my gross monthly income. __ I invade savings to meet current expenses. __ I feel resentment toward creditors, government, and my employer. __ I compare myself materially with coworkers, business friends, and siblings. __ I sometimes use spending as emotional therapy. __ I ignore or exceed budget limits on clothes, entertainment, or food. __ I wonder when Ill start saving for my kids college or my retirement. __ My emergency only savings is less than two months living expenses. __ My current credit card balance is greater than $500. __ I borrowed to buy my current car. TOTAL: __
Scoring: 0-18 Excellent 19-36 Good 37-49 Danger 50-85 Financial bondage
32
DJ Financially Free
Every time I stepped on my brakes, my car let out an awful, metalon-metal screech. I didnt have the money to get them xed, so I kept driving. But when my car developed a lurch to the right, I had to do something. I screeched and lurched to a neighborhood garage. The mechanic looked at my brakes and told me he didnt know how I was going to get home, but I wouldnt be driving! This wasnt the rst time I had faced a sudden expense. I was scared to death. A few years later I worked for a surgeon who was in deep debt and constantly complained about money. He was especially put out with several banks that refused to extend him credit for a new swimming pool. He netted six times what I earned in one year, yet we had something in commonwe were both in nancial bondage. It doesnt matter whether you earn a little or a lot, whether you spend everything or hoard it all. People in nancial bondage are preoccupied with money, anxious about meeting present obligations, or are driven to get more money. They are often behind in paying bills, save very little for the future, and are discontent with Gods provision. People in nancial bondage are not able to make their own decisions regarding money. Circumstances dictate their decisions.
2.
Have you ever had an experience similar to the one Becky Brodin had with her brakes? Describe the dilemma. How did it turn out?
3.
Reread the third paragraph in the preceding excerpt and circle the phrases, if any, that describe your relationship with money.
33
4.
From what sources have you learned about managing money? Check all that apply. My parents Books, magazines, or tapes Seminars
34
My spouse The example of friends Sermons Television Ive had to gure it out on my own I havent learned money management yet 5. In what area of money management would you most like more wisdom?
6.
How is wisdom related to wealth and poverty? Psalm 25:12-13 Proverbs 24:3-5
7.
According to Psalm 119:104 and James 1:5, what are two ways we can attain greater wisdom and understanding?
8.
Does it seem worldly to you to seek wisdom about money? Why or why not?
9.
Summarize what Proverbs 11:14, 12:15, and 15:22 say about where else we can nd wisdom.
35
10. a. Write here the name of someone you know who is wise about money.
b. Write here three questions you would like to ask that person about how he or she handles nancial decisions.
c. Call the person you named above and ask if you can meet for coffee and to talk over your three questions. If the person lives far from you, send a letter or e-mail in which you pose your three questions. d. Record below the most helpful thing you learned from your wise counselor.
11. a. Author and nancial counselor Ron Blue has said, Your checkbook reveals all that you really believe about stewardship. Take out your check register and credit card statements for the past three months. Using general categories (food, car, house, giving, and so forth), write down, on a separate piece of paper, everything youve spent money on and the amount spent. b. If you were a stranger looking at your list, what conclusions would you draw about the owner of the checkbook and credit cards? What is important to that person? How would you describe his or her lifestyle?
c. Calculate the percentage of the total amount spent for each of the categories. (If your total income for the period was $1,000 and you spent $300 on food, then food would account for 30 percent of your expenditures.) List the results of your calculations here.
e. What changes do you want to make in your spending as a result of this exercise?
37
12.
According to the following verses, what are some benets of planning and forethought? Proverbs 14:15 Proverbs 18:15 Proverbs 21:5 Proverbs 22:3
13.
The author speaks of the freedom that comes with planning. Do freedom and planning seem contradictory to you? If so, ask the following question of someone you know who practices budgeting: In what ways does a budget bring you greater freedom? Record his or her answer here.
14.
If you live by a budget, how has that helped you manage your nances more wisely?
38
15. a. If you do not currently use a budget, which statement below best describes your attitude toward beginning this practice? Check one. I dont like structure. I always have money left over at the end of the month, so I dont need a budget. I have no idea how to set up a budget. I dont have time to make a budget. I dont make enough money to need a budget. Im terrible at math. Id really like to live by a budget, but I need someone to help me get started. Ill start a budget when Im older. b. Excellent resources are available to help you begin and maintain a budget. Visit a Christian bookstore to see their collection of books by wise advisers such as Ron Blue or Larry Burkett. Ask one of your money-wise friends if he or she has a favorite resource. Or ask that same person if he or she would help you structure a workable budget.
16.
17.
Read Luke 16:10-12. What reasons are given for being faithful stewards?
39
18.
How can having a plan (budget) for your money make you a better steward?
19.
Review your answers to the quiz in question one, part a, at the beginning of this session. Focus on those responses where you circled a 3 or higher. Place an M next to any areas that would be improved by applying the principle of understanding money. Place a D by those areas that are related to the principle of design. What is one change you would like to make as a result of what you learned in this session?
20.
Parting Thought Look for someone who can explain the basic concepts of money management in simple terms, who lives by the principles, and who will commit to meet with you every pay period. Just a jump start and some accountability may be all you need to change deeply ingrained habits. In the process, youll be dening new principles you can live by even when the accountability is gone.
Anne Meskey Elhajoui, How I Tamed the Money Monster, Issue 88
40
SESSION
41
3.
In Shakespeares Hamlet, Polonius advises his son, Neither a borrower nor a lender be. How does that statement compare with Scripture? (See Exodus 22:25; Deuteronomy 15:7-8; Psalm 37:26; Psalm 112:5; Matthew 5:42; Luke 6:35.)
42
5.
Does it seem contradictory that Scripture approves of lending but not of borrowing? Why or why not?
6.
Describe the consequences the following biblical characters faced for failure to repay debt. The prophets widow (2 Kings 4:1)
7.
In what ways has debt been a form of slavery in your life or the life of someone close to you?
8.
If you live free from debt, how has that made your life different from the lives of your debt-ridden friends?
9.
In what ways might being debt-free allow a person to serve God more effectively?
43
10.
The author says contentment can protect us from trouble. Have you or someone you know ever gotten in trouble (nancial or otherwise) because you were not content? Describe the circumstances.
11.
Read 1 Timothy 6:6-19. What kind of lifestyle did Paul challenge Timothy to pursue instead of wealth?
12.
Do you think it is possible to pursue both wealth and character? Why or why not?
44
13.
Paul said, Godliness with contentment is great gain (1 Timothy 6:6). What are some of the gains, or benets, that come with contentment?
14.
Verse 18 in The Message reads, Tell [the rich] to go after God, who piles on all the riches we could ever manage. What are ways you can go after God instead of money?
15.
For the next week, keep a record of your contentment level, using the following categories. People, things, or events that challenged my sense of contentment (for example, big-spending coworkers, new-car ads, a sale at your favorite boutique) My initial responses Ways I found to go after God instead of giving in to discontent Insights I gained from this exercise
One man gives freely, yet gains even more. . . . He who refreshes others will himself be refreshed. The King James Version uses the word watereth for refreshes. Its not hard to picture someone spraying water on others in a hot, dry climate and then getting some of the cool spray back. Meeting the real needs of others is a life-giving celebration. The apostle Paul addressed this principle of generosity in 2 Corinthians 9. Remember: A stingy planter gets a stingy crop; a lavish planter gets a lavish crop (verse 6, MSG). The disappointing reality is that Christian giving is sometimes the meager leftovers of our budget. Paul reminds us of our basis for being cheerful givers: This most generous God who gives seed to the farmer that becomes bread for your meals is more than extravagant with you. He gives you something you can then give away (2 Corinthians 9:10-11, MSG). The beauty of being nancially free is that we can respond with genuine generosity.
16. a. Describe a time when you were able to respond nancially to someones need.
17. a. Both the Old and New Testaments contain numerous instructions about giving, some of which we will study in an upcoming session. The following verses give us general principles for how we should give. Match the verse on the left with the principle on the right that it teaches.
46
Proverbs 3:9 1 Corinthians 16:2 2 Corinthians 8:2-3 1 Corinthians 16:2 2 Corinthians 9:7 Matthew 6:1
Give quietly Give regularly Give the best Give cheerfully Give proportionately Give sacricially
b. Do any of these challenge your present giving habits? If so, which ones?
DJ Breaking Free
Ongoing nancial bondage is a heavy burden to bear. But by Gods grace, it is possible to break free and live in nancial freedom. Understanding how money works reduces a persons vulnerability to foolish decisions. Financial knowledge becomes the basis for managing money by design. Having a thoughtful design for money management protects a person from choices that result in indebtedness. And when a person is not in debt, knows the status of his or her nancial situation, and makes wise decisions, then fear and anger about money can give way to contentment with Gods provision. A content person can overow with generosity, cheerfully responding to the needs of others in their world.
18.
Financial bondage often begins when we try to serve two mastersGod and money. Read Matthew 6:19-34. Describe the different perspectives on life that you nd in this passage.
47
19.
20.
21.
Write below a summary sentence for each of the ve principles of nancial freedom that youve learned in these two sessions: The principle of understanding money
22.
Go back to the quiz you took in question one, part a, at the beginning of session three, focusing on the items you rated a 3 or higher. Place a U next to those responses that could be improved by applying the principle of understanding debt. Place a C next to those responses that could be improved
48
by applying the principle of contentment. Place a G next to those responses that could be improved by applying the principle of generosity.
23. a. What changes do you believe you need to make in response to this study?
Parting Thought Gods principles are designed to make us succeed . . . in Gods eyes. Thats a success that differs radically from the worlds idea, and yet it is true success.
Ron Blue, Money: If God Owns It All, What Are You Doing with It? Issue 53
49
SESSION
Lay? by Wilson (Jody) Humber (excerpted from Issue 88), the author, head of his own tax, investment, and estate consulting rm, shows us that saving is not only a good idea but is also biblical.
2.
What is your biggest obstacle to saving? Check one. It seems like a lack of faith. God will take care of me. By the time I pay my bills, nothing is left to save. Spending is much more fun than saving. Im unclear on why saving is important.
In considering our responsibility to our families, Paul wrote, If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever (1 Timothy 5:8). The Greek word pronoeo, translated provide, comes from two words: pro meaning before, in front of, or prior to and noeo meaning to perceive, think, consider, see, and understand. Providing for ourselves and our families includes the responsibility to look down the road and save for the lean yearscircumstances or problems that sooner or later affect us all. Just as with any of Gods guidelines for living, there are dangers in taking a principle to the extreme. When Jesus said, Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal (Matthew 6:19), He wasnt saying dont save. Rather, He was warning that continued saving beyond reasonable needs becomes hoarding, which is condemned throughout Scripture. By saving beyond what is necessary, we wrongly trust in our savings rather than in God. Proverbs 11:28 reminds us this is a surere formula for failure: Whoever trusts in his riches will fall, but the righteous will thrive like a green leaf. Scripture seems to present a balance. We should save some of our income but not store up all our treasures on earth. Proverbs 30:8-9 teaches: Give me neither poverty nor riches, but give me only my daily bread. Otherwise, I may have too much and disown you and say, Who is the LORD? Or I may become poor and steal, and so dishonor the name of my God.
3.
Read Genesis 41:28-57. How do you think most people today would react if government leaders enforced mandatory savings in anticipation of an economic downturn?
53
4.
What aspects of our culture make saving unappealing (for example, advertising, the push toward instant gratication, and so on)?
5. a. Both Genesis 41:46-57 and Luke 12:16-21 describe men who saved for the future. How are these men and their situations similar? How are they different? Similarities Differences
b. Why do you think God was pleased with one and condemned the other?
6.
What do these two passages tell you about right attitudes and actions in regard to saving?
54
b. Ask that question of at least three Christian friends. Record their answers here.
8.
How does Proverbs 21:20 support the authors contention that saving is our responsibility?
55
56
9.
Describe the last nancial emergency you encountered for which you did not have any money saved. How did you come up with the needed funds?
10.
Underline any of the authors suggestions for short-term savings that you are already implementing. Which of his suggestions would you most like to add to your savings plan?
11.
the art and science of investing, which is a separate topic. When I use the word savings, I mean the guaranteed return of a dollar plus the guaranteed rate of interest over a specic time period. Investments, unlike guaranteed savings, have no certain future value or future income. Do your homework and learn about investing to reduce your risk. Dont jump into a plan that sounds too good to be true. Lack of information plus lack of patience plus greed is a guaranteed formula for failure. Investigate before you invest, because you can never make up a loss of capital.
12.
What preparations have you made so far for the long-term needs that the author mentions?
13. a. What wise steps for saving and investing are given in the following verses? Proverbs 3:5-6 Proverbs 13:11 Proverbs 14:23; 21:5 Proverbs 16:3 Proverbs 19:20 Proverbs 27:12 b. In which of these areas are you strongest?
58
14.
How would you sum up for a friend the most important insight you have gained from this session?
15. a. What changes do you believe you need to make in response to this study?
b. What is one step you can take in the next three months to tackle these changes?
59
Parting Thought The distinction between nancial responsibility and nancial foolishness is this: Saving becomes hoarding when it is exercising our own sovereignty and nancial independence so that God doesnt have to come through for us.
Randy Alcorn, Should We Save or Give? Issue 65
60
SESSION
6 Do I Do with What
All This Stuff?
Ive got too much stuff. I cant think straight for all the clutter. I need more closet space! Sound familiar? Sometimes we can be diligent savers, wise investors, careful spenders, regular givers . . . and still end up with too much stuff. And if we dont get our possessions under control, they are bound to control us. Our next article, entitled The Joy of Living Generously by Susan Nikaido (excerpted from Issue 112), offers some alternatives to the never-ending, out-of-control acquisition of stuff that tends to characterize our modern culture. 1. Which of these statements most closely describes your feelings about your possessions? Check one. It cant possibly be spiritual to have all this stuff. If I really loved God, I would sell it all and live like a monk. No matter how much I have, I always want a little more. I enjoy my stuff and am glad God has prospered me. Im pretty good at holding my possessions loosely. When they start to get on my nerves, I purge and simplify. I know I have too much, but its hard to part with anything. Ive resigned myself to living with clutter . . . and guilt. Sometimes my possessions keep me from serving God as wholeheartedly as Id like to. Hey, the person with the most toys wins, and I plan to win!
61
2.
Has there ever been a time when your stuff has prevented you from doing something you really wanted to do? Describe that occasion.
3. a. Read Mark 10:17-22. What did the rich man want to pursue, according to verse 17?
62
b. How did this mans stuff prevent him from pursuing his desire?
4.
Do you nd it freeing or unnerving to think of everything you own as a gift from God? Explain your answer.
5.
How do these verses describe the extent of Gods ownership? Deuteronomy 10:14 Job 41:11
63
6. a. Job was an enormously wealthy man. Read Job 1:1-3 and list below the extent of his wealth as described in these verses.
b. Read verses 6-12. What did Satan ask God for permission to do to Job?
c. Summarize from verses 13-19 the extent of Jobs one-day losses at the hands of Satan.
e. What does his response tell you about how he viewed ownership of his wealth?
64
7. a. Which of the following have you experienced? Check all that apply. A job loss Flood, earthquake, or re damage to your home and possessions Burglary in your home An investment gone sour Car theft Business failure Other signicant material loss (describe): b. At the time of these losses, did you think of your lost money or possessions as belonging to God? How did (or would) a grasp of Gods ownership inuence your reaction to the loss?
riches, which Scripture says were given to them by God. They did great things for Him, but they also seemed to enjoy having the best that money could buyand God never censured them for it. Solomon wrote, When God gives any man wealth and possessions, and enables him to enjoy them, to accept his lot and be happy in his workthis is a gift of God (Ecclesiastes 5:19). Paul reminded wealthy believers that God richly provides us with everything for our enjoyment (1 Timothy 6:17, emphasis added). Being a tightwad brings no glory to Him. How would you feel if you gave your best friend a valuable gift youd selected just for her, only to discover it on sale at her garage sale the following spring? I wonder if it doesnt grieve God when we dont enjoy the good gifts He gives. If we follow His whole teaching regarding the use of our resources, I believe we are free to enjoy a luxury here and there, to buy something just because its beauty cheers our souls, or to splurge on an activity just for the sheer enjoyment of it.
8.
Where would you place yourself on the following spectrum? Place a dollar sign at the appropriate place.
| I dont know how to enjoy my possessions. | I enjoy my possessions way too much.
9.
Most of us are not wealthy by our cultures standards, but we have much more than the minimum requirements of food, clothing, and shelter. God has given us far more than what we need just to survive from day to day. List below ve things you have that are purely for enjoyment purposes.
66
10.
Write a prayer of thanksgiving to God for some of the things He has given you to enjoy. Be explicit, telling Him why you enjoy a certain thing. (For example, because it is beautiful, because it makes you laugh, because your family has fun with it.)
In contrast, look at the wealthy man described in Psalm 112: Blessed is the man who fears the LORD, who nds great delight in his commands. . . . Wealth and riches are in his house, and his righteousness endures forever. Even in darkness light dawns for the upright, for the gracious and compassionate and righteous man. Good will come to him who is generous and lends freely, who conducts his affairs with justice. Surely he will never be shaken; a righteous man will be remembered forever. He will have no fear of bad news; his heart is steadfast, trusting in the LORD. . . . He has scattered abroad his gifts to the poor, his righteousness endures forever; his horn will be lifted high in honor. (verses 1,3-7,9) This is a portrait of a personany personwhom God blesses with wealth. Instead of hoarding his wealth, this person is generous and lends freely. He gives to the poor. And what is his reward? Good will come to him. He will never be shaken. His horn will be lifted high in honor. As we share what we have with others, not only do they benet, but we are blessed as well. All the Scriptures that promise rewards to the generous giver would more than ll this page. Ive had the opportunity to see those promises fullled as Ive shared my home with others. A few years ago, I learned that missionary friends with two small children needed a place to stay for two months. Some people thought I was a little crazy, but I offered to share my space. They didnt know that I got the best end of the deal. My too-quiet home was lled with life, a home-cooked meal awaited me every night after work (close to heaven for a single person!), and I got a realistic, close-up look at the ups and downs of marriage and parenting. My friendship with the couple deepened, and I became Auntie Susan to a one-year-old and three-year-old. I gained so much more than the privacy I temporarily lost.
68
11.
From some of His earliest interactions with humankind, God made it clear that blessings were meant to be passed along. Read Genesis 12:2-3. What outcome did God intend when He blessed Abraham?
12.
Underline the phrases in the Psalm 112 passage on page 68 that show this man understood that his wealth was meant to be shared. Then circle the benets he received (or was promised) because of his righteous use of wealth.
13. a. Describe a time when you shared one of your possessions with someone else (your house, car, food, and so on). What was the benet to that person?
maternity clothes to an expectant mother. Offer your tools (and the expertise that goes with them) to your neighbors. Ask God to show you how your belongings could benet others in your community. One caution: Your stuff may not come back to you in the condition in which you loaned it. Or it may not come back at all. When that happens, remember that it was Gods gift to you anyway. Whats better: for it to be used or for it to sit on your shelf in perfect condition? Buy with the intent to share. When its time for a major purchase, make choices based on utility. Choose the home with plenty of space for entertaining over the one with the great master suite. Buy a table that can seat a crowd and a sofa that folds out into a bed. Learn about the needs in your world. Get a feel for how much you have compared to most people in the world. In his book Money, Possessions, and Eternity, Randy Alcorn writes, Statistically, if you have sufcient food, decent clothes, live in a house that keeps the weather out, and own a reasonably reliable means of transportation, you are among the top 15 percent of the worlds wealthy. If you have any money saved, . . . a variety of clothes in your closet, two cars (in any condition), and live in your own home, you are in the top 5 percent of the worlds wealthy. To keep your things in perspective, participate in a mission trip to an impoverished area. At least once a year, serve at a local soup kitchen, deliver gifts for Project Angel Tree, or nd another way to be around the needy in your community. Look at your resources from an eternal perspective. Take the amount of money youll make this year, minus taxes. Multiply that number by the number of years you will work until you retire. Surprised? That is the wealth God has entrusted to youand the gure likely will be much higher when you add in raises and other income. Where do you want that money to go? Most of us look at our incomes in terms of what we want and need in the present. What if, instead, we looked at our resources in terms of what we could invest in Gods kingdom over a lifetime? When you reach the end of your life, what will you be most glad to have spent that money on? On things, which will eventu70
ally burn? Or on sending missionaries to unreached people and feeding and clothing the needy?
14.
How did the following people use their possessions to bless someone else? Joseph of Arimathea (Mark 15:42-46)
15. a. Reread the authors ideas for blessing others with your stuff. Underline the ones you are already practicing. b. Are there one or two ideas you would like to try? Circle them. 16. Using the following chart, brainstorm how you might match some of your possessions with people in need. On the left, list specic items youd like to give away. On the right, place the name of a person or organization that would be blessed by this item.
Item to give away Person/organization
71
17.
The author asks, When you reach the end of your life, what will you be most glad to have spent [your] money on? Looking at your life so far, how would you answer that?
18.
Did this session challenge the way youve been viewing your possessions? If so, how?
19.
In the next week, surrender daily all that you own to God. Be specic. Ask Him to bring to your attention others needs that you could meet with what He has given you. Record here any insights He gives you.
Parting Thought When we focus on God, we will embrace certain truths: that our stuff has been given to us by God, that it is not ours to hold on to, and that it is intended for the good of the larger community.
Richard Foster, Putting Things in Their Place, Issue 112
72
SESSION
73
DJ Money Power
In Luke 16, Jesus used the improbable illustration of a shrewd manager (verses 1-8) to make a surprising point about money. The rich master had turned over responsibility for all his money to the manager, who was later accused of squandering the rich mans wealth. The manager faced the prospect of a public ring and humiliation. Such shame would prevent him from again being employed as a manager. Threatened with having no means to earn a living, the manager planned ahead. What shall I do now? My master is taking away my job. Im not strong enough to dig, and Im ashamed to beg I know what Ill do so that, when I lose my job here, people will welcome me into their houses. So he called in each one of his masters debtors. He asked the rst, How much do you owe my master? Eight hundred gallons of olive oil, he replied. The manager told him, Take your bill, sit down quickly, and make it four hundred. Then he asked the second, And how much do you owe? A thousand bushels of wheat, he replied. He told him, Take your bill and make it eight hundred. (verses 3-7) The manager schemed to buy the help of his masters debtors by putting them in debt to himself. Each adjusted account would be worth so many months or years of room and board, which the debtors would be obligated to provide the manager in return for his favor to them. This action won grudging praise for the manager. The master commended the dishonest manager because he had acted shrewdly (verse 8).
74
In commenting on this story, Jesus said, For the people of this world are more shrewd in dealing with their own kind than are the people of the light. I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings (Luke 16:8-9). Do these words shock you? Read His statement again. What is the shrewdness that the people of the world possess and Gods people lack? Is it not in their foresight and in their ability to inuence one another to achieve their ends?
2.
3.
4.
Underline in verses 8-9 above what Jesus wants us to do with our wealth. Does it make you uncomfortable to think of buying friendships? Why or why not?
5.
6.
Has anyone ever tried to buy your friendship? How did you respond?
75
DJ Just as the shrewd manager was able to inuence people for the
future, so the Christian must learn to use his or her wealthsuch as it may beto inuence people toward heaven. A day will come when wealth is useless and meaningless. But those who are wise will learn to use money while it is useful to bring people to Christ. But can we really buy Christians? Picture yourself walking up to heavens gates. A crowd of radiant faces surges toward you with happy cheers. Your eye is caught by a banner bearing your name in large letters underneath the words Welcome Home. What is this? you stammer. We are your eternal friends, the joyful strangers say. Your giving brought the gospel to me in Ecuador, one says. And in Kenya, says another. And in Indonesia. And in New York. We can exchange wealth for people! We can invest in proclaiming the gospel and making disciples all over the world.
7. a. What are some ways people use their money when they are focused only on having inuence in this world?
b. Now list some of the ways in which people can use money to help bring others to Christ.
c. Look at both your lists and put a check next to any items that describe how you now use your money. 8. What are some resources besides money that you can use to build Gods kingdom? (For example, a car loaned to a fur76
loughing missionary, baby furniture donated to a womens shelter, a bumper crop of tomatoes given to a soup kitchen.)
9.
According to Matthew 6:19, what is the problem with investing our wealth only in earthly treasure?
10. a. What does God promise to those who seek His kingdom instead of focusing on earthly needs? Matthew 6:31-33 2 Corinthians 6:10 Philippians 4:19
b. Which of the above three verses is most meaningful to you? Write it on an index card and place it where you will see it oftenyour cars dashboard, over the kitchen sink, by your shaving mirror, and so on. c. After a month (mark your calendar), answer the following question: How has meditating on this verse changed the way I currently think about or handle my money and possessions?
77
11.
Complete the following sentence: It is important for a child of God to give because . . .
their food from the temple, and those who serve at the altar share in what is offered on the altar? In the same way, the Lord has commanded that those who preach the gospel should receive their living from the gospel. When Jesus sent His disciples on a missionary journey, He commanded them to accept the food and lodging offered to them because the worker deserves his wages (Luke 10:7). God has made the Christian ministry an honorable work and the acceptance of gifts a legitimate means of livelihood for Christian workers. Paul wrote to the Galatians, When anyone is under instruction in the faith, he should give his teacher a share of all good things he has (Galatians 6:6, NEB). Each of us has an obligation to help those who are ministering to us. This principle is simple, but as in many things, the practice often gets confusing. The local church is not the only Christian ministry supported by the contributions of Gods people. There are hundreds of groups in varying degrees of relatedness to the church all clamoring for attention and help. The myriad nancial requests are staggering. How do you determine which one to support? A proper guideline is to rst support the local fellowship to which you belong. Then consider two other categories. First, there may be a special group or individual who has had a signicant ministry in your life. It is scripturally proper for you to support such a ministry. Second, God may have placed special interests in your heart that are being met by churches and other Christian groups elsewhere, and you can properly provide nancial support for these as well.
12.
How did the following people meet the material needs of fulltime Christian workers? The widow at Zarephath (1 Kings 17:7-16)
79
13. a. List the names of full-time Christian workers whom God has used in your life, past and present (pastors, missionaries, staff of Christian organizations, and others).
b. What are some ways you were (or are) able to share some of your material wealth with those people?
14.
What criteria do you usually apply to decide where and how much to give?
80
All my giving should go to my local church. I should give 10 percent to my local church, then I can do what I wish with the rest. How much I give and how I disburse it varies from month to month. I dont really have a plan. Other (explain): 15. So far, has this study reinforced your previous convictions about where to give, or has it challenged them? Explain.
16.
Read the following verses and use the chart to contrast how the poor and needy are often treated by their fellow man versus how God responds to them. Deuteronomy 10:17-18, Psalm 12:5, Psalm 14:6, Psalm 35:10, Psalm 72:12-14, Psalm 109:30-31, and Psalm 146:7.
Peoples treatment of the needy Gods treatment of the needy
17. a. In what ways do your attitudes and actions toward the poor reect Gods?
b. In what ways do your attitudes and actions toward the poor differ from Gods?
18.
Proverbs 29:7 says that the righteous care about justice for the poor, but the wicked have no such concern. What evi82
dence do the following Scriptures give that the person mentioned was a righteous person? Job ( Job 31:16-23) The Proverbs 31 woman (Proverbs 31:20) Josiah ( Jeremiah 22:16) A righteous man (Ezekiel 18:16) Tabitha (Acts 9:36) Cornelius (Acts 10:4)
19.
What does God promise to those who help the poor? Proverbs 14:21 Proverbs 19:17 Proverbs 22:9 Proverbs 28:27
20.
Are you aware of someone in your own neighborhood or church who is in need? (If you are not aware of anyone, talk to your pastor. He or she can steer you toward needs in your congregation or to community agencies that assist the poor.) What is one thing you can do to ease their need?
83
21.
Read Mark 12:41-44. Why was Jesus more impressed with the widows tiny contribution than with the large amounts given by the wealthy?
22.
Read 2 Samuel 24:18-24. Though David was a wealthy man, how was his attitude similar to that of the widow?
23.
Because the tithe is such a familiar concept to most Christians, we are apt to think of giving in terms of 10 percent for God, 90 percent for me. Do you think this accurately reects what Scripture says about giving? Explain your answer.
24.
What do you think are the benets of regular, systematic givingto the giver and to the recipient of your giving? Enter your thoughts in the chart below.
To the giver To the recipient
85
25.
Do you think you could be more generous and shrewd for the kingdom in how you handle your wealth? If so, what is one change you could make now?
Parting Thought We are happy if earthly investments give a return measured in several percentage points, but our investment in the kingdom offers an innite return for a nite investment. The treasure to be gained is totally out of proportion to the amount to be invested.
Daniel Boerman, Imperishable Treasure: Investing in Heaven, Issue 25
86
SESSION
b. What changes have you seen as youve tried to replace this characteristic with a new behavior or attitude?
87
2.
If you feel you have made no progress, take heart. Deep inner change takes time. Heres something that may help. Think of a Christian that you know who is strong where you are weak. Make a coffee or lunch date with that person to discuss your desire to overcome your worry, envy, ingratitude, or stinginess. (Let the person know ahead of time what you want to talk about so he or she can pull together some helpful thoughts.) Record here or in your journal what you learned from that get-together.
Session Two: I Cant Get No Satisfaction 3. This article focused on our desire for more, more, more. Thomas Chalmers, a preacher, spoke of the expulsive power of new affections. He meant that when we acquire new desires, they can push old desires out of our heart. To what new affections do the following verses urge us? Psalm 17:15; 63:1-5; 73:25; 103:5
Matthew 5:6
John 4:14
John 6:35
Colossians 3:1-4
1 Peter 2:2
88
4.
Since doing this study, have you seen your affections change regarding your relationship with money and possessions? If so, how?
Sessions Three and Four: Land of the Free, Parts One and Two 5. Next to each of the principles below, write a short statement about how you have grown in that area since beginning the study. Or describe how youd still like to grow in each area. (Remember, change takes time. Think in terms of growth youd like to see over the next six months.) The principle of understanding money
89
Session Five: The Habit of the Wise 6. Have your beliefs about saving changed at all since doing this study? If so, how?
7. a. Jody Humber described several categories of savings. In which area would you most like to make progress over the next year?
b. What changes can you gradually make in your budget in order to see genuine progress take place?
Session Six: What Do I Do with All This Stuff? 8. Review your answer to question sixteen. Are there any ideas in that chart that you have not yet acted upon? If so, place next to that idea a date (preferably within the next six months) by which you plan to complete that action. 9. Have you found yourself thinking differently about your possessions since doing this study? Explain your answer.
90
Session Seven: Moneys Kingdom Power 10. a. This session focused on how our money can advance Gods kingdom. Read Matthew 13:44-46. How did the two men in these parables demonstrate the value they placed on Gods kingdom?
b. What areas of your life demonstrate that you, too, place a high value on the kingdom of God?
11.
What do you still nd hardest about giving? Check one. I forget to plan for it. The needs are too many. I cant decide where to give. Im confused about how much to give. Im concerned that my gifts wont be used wisely. Im barely getting by. I need every cent just to pay bills. A lot of people and organizations asking for money seem much richer than I am. Other (describe):
12.
The following short article, entitled Finding More to Give by Susan Nikaido (excerpted from Issue 112), offers ways that people on tight budgets can still give toward Gods purposes in the world. Read the article and put a star next to any ideas that sound as if they would work for you.
Many ministries now make it possible for a monthly gift to be deducted directly from your checking account. Budget your possessions. Ask yourself, How many books, CDs, pairs of shoes, televisions, and so on, do I really use on a regular basis? Give away the surplus. Then, when you buy a new item, give away one you already have. Create a savings account to fund special needs you hear about from time to time: a needy familys medical bills, a friends shortterm mission trip, help for victims of a natural disaster, and so on. Donate your garage sale proceeds to a church or charity. Or skip the sale and give everything away. Give away half or more of extra income: bonuses, cash gifts, tax returns, payment for freelance projects, and so forth. One widower I know helps to support eight missionaries with the income from his wifes life insurance. When you nd something on sale, give away the amount you saved. For example, if you budgeted $100 for a new coat and you nd one on sale at half price, give away the $50 you saved. Or buy two coats and give one to the needy. Leave money in your will. Make generous donations to your church and your favorite ministries. Ask God for money to give. He promises to provide for the generous giver: A generous man will himself be blessed, for he shares his food with the poor (Proverbs 22:9).
Truly Rich 13. After eight weeks (or more) of focusing on money, it would be easy to become a little obsessed with it! The following verses help put money into perspective. What does God value far more than the amount in our bank accounts? Proverbs 28:6 Proverbs 28:20 14. In the New Testament, much more emphasis is placed on what Jesus called true riches (Luke 16:11) than on material
92
riches. Read the following verses and list the true riches that are ours in Christ. Romans 2:4
Ephesians 1:7
Ephesians 1:18
Ephesians 2:4-5,7
1 Timothy 1:14
15.
How is your life richer today in the things that money cannot buy than it was before you knew Christ? You may want to write your answer in the form of a prayer of praise and thanksgiving to God for the spiritual riches He has given you.
Wrapping It Up 16. What are three practical ideas you want to take away from this entire study?
93
17.
What are three insights from Gods Word that you want to remember?
18. a. Complete the following sentence: One thing I would still like God to change about my relationship with money is . . .
b. Put that sentence into the form of a prayer. If you have done this study in a small group and are comfortable sharing your answer to this question with each other, record the answers of other small-group members here so you can pray for each other regularly.
Parting Thought God wants us to value those things that He values and to testify to those values in the way we spend our money. Sustaining such biblical values in our materialistic society is a difcult task, but its one well worth it. For when we commit our lives and our money to Christs call of sacrice and service, we nurture a joy that a eet of Lexuses could never give.
Jo Kadlecek and David Williams, Should a Christian Buy a Lexus? Issue 88
94