I would submit that some of the financial difficulties our nation is experiencing may not necessarily be a bad thing. Most humans look up only when we have been sucker-punched and are lying on the floor flat on our backs. That’s when we tend to see the eternal through the temporal.

As you read this, the financial markets may be shooting toward the moon, or they may be in the tank. Historically, stock market investments go up roughly 70 percent of the time. Over the last 100 years, stocks have gained value in most every ten-year period, including during the Great Depression. 

The question laid squarely at our feet is how will we respond to the tempests in the teapots of our lives in view of eternity? What if tough times caused Christians to again become the salt that Jesus directed us to be?  What if we, again, led by example? What if we bought fewer “extras?”  What if we paid off our credit cards and purchased only cars we could afford?  What if we saved more than we spent? What if we always had money to give to others and were truly ready unto every good deed? What if we got serious about being all we could be as God’s witnesses before the world?

“Dear friends, I urge you, as aliens and strangers in the world, to abstain from sinful desires, which war against your soul. Live such good lives among the pagans that, though they accuse you of doing wrong, they may see your good deeds and glorify God on the day he visits us.” (2 Peter 2: 11-13, NIV)

Three Reasons Why People Who Are In Debt, Stay In Debt

As I write this, I’m on a plane returning home to Nashville from a No Debt No Sweat! Christian Money Management Seminar that we concluded last night in Montana. The church was filled with sweet, godly people. But many of them were struggling with their money. I was especially touched by a couple of situations where the people felt hopeless. I’ve learned several things through the years as I’ve taught the seminar around the country, and one of those lessons is that people who are in debt stay in debt for three reasons: 

1. They feel hopeless. In truth, they are usually not hopeless. Most people who follow what we teach in our seminars can get out of personal debt (not counting their homes) in a one- to four-year period. Granted, there are huge benefits to starting this process early rather than later in life. But if you’re already in your late forties, fifties, or older, it’s not too late. There are people who start savings plans in their seventies and still see helpful results. Remember, it’s never too late to start doing the right thing.  (By the way, in addition to the financial implications in that comment, there are also some profound theological implications. The God we serve is not only the God of the second chance—He’s the God of the ten thousandth chance, too!)

2. They feel all alone. This is where Satan does his best work—he convinces a person that he is the only one with the problem. So, naturally, he’s embarrassed and tries to hide it by putting on his mask and pretending like everything is okay. Yet, inside, he’s dying. His spiritual vigor is gone. He’s fighting with his spouse. He doesn’t have time for the kids. He can’t sleep at night. He’s depressed. 

The truth is if you’re in debt, you’re not alone. As I’ve mentioned earlier, I’m convinced the majority of Americans are only one paycheck away from trouble. It’s been estimated that many of us are spending 20 percent of our income paying off short-term, high-interest rate debt.

And as long as the devil keeps us convinced that we’re the only person hurting—he wins! 

I’ve about decided that the devil is nothing more than a roach. Have you ever gone into a dark room, turned on a light and seen a roach in the middle of the floor? What does it do the second the light hits it? That’s right—it runs for cover! Dear reader, the devil is a roach. When we begin to shine the light of Jesus on him, he scrams! What we need to do as Christians is develop the “koininia-style” fellowship that the Bible tells us to develop. We need to become each others’ best friends and confessional partners. When we start to talk openly with each other, things change. Church is much more than sitting for an hour looking at the bald head in front of you! It should be the place where we develop our closest friends and confidants.