God Cares More About Your Money Than You Do
The Greatest Investment, 17 March 2024
17 03 24
The Greatest Investment
God Cares More About Your Money Than You Do
Luke 12:13-34
Series Big Idea: Money matters…to God, to us, and to those we love.
Big Idea: The greatest investments will last forever.
Although I love this country, the older I get, the more I see its many flaws. No nation is perfect, of course, but despite our financial wealth, our culture has many weaknesses. One of them is we are impatient. Would you agree? When we stare at the microwave clock wishing it would cook faster…!!! Speaking of fast, have you driven on I-75 lately? If you’ve ever put money in the stock market, hoping the value would double overnight…It reminds me of my grandkids who once planted a garden and checked on it the next morning!
The late Dallas Willard famously gave this advice to his disciple, John Ortberg: “Ruthlessly eliminate hurry.” Good luck!
As we conclude our three-part series “God Cares More About Your Money Than You Do,” we are talking about the greatest investment.
What’s the greatest investment you’ve ever made?
I’m pretty happy with the Apple stock I bought in 2005 before I worked for the company. I bought 4 shares, spending $367. That $367 is now worth over $44,000. Imagine if I bought 100 shares instead of only 4! Truthfully, I’ve done very little investing in the stock market. Most of my very modest retirement account is in mutual funds.
All fruitful investments require time. By definition, the returns are not instantaneous. If you buy something from a vending machine, we call that a transaction. No waiting is required (unless the machine is broken and you have to kick it!). When you order fast food at a drive-thru, you hope and pray it won’t take an hour to receive your order!
But investments are different. There is no instant gratification. This is why many use financial investments to fund their retirement. They know it is years or decades away. They also recognize the value of compounding interest. The Bible has over 2000 references to money. Don’t worry, we’ll only look at half of them today!
God gives us many gifts for our good…that the enemy uses to destroy. Our planet was created filled with beauty, yet pollution taints its splendor. Relationships are God’s design, yet they often bring the greatest pain. Sex is a wonderful gift…within God-given boundaries designed to protect us. Money is another tool that can be used for good or harm.
In case you missed our message two weeks ago, we said
- If you spend less than you earn, you will never be broke.
- Work hard
- Spend wisely
- Give generously
Those are principles for building financial wealth. They also bring us great joy when we honor God with our money, no matter how much we possess…so long as our money doesn’t possess us.
I want to talk about another dimension of money and that is investing. Saving is not only a financial principle, it’s a healthy discipline. Because we live in an on-demand, have it now culture, the mere mention of the word “wait” might be enough to cause some of you anxiety. Who has time to wait?
The same is true with money. It’s hard to wait sometimes. We either see something we want, but it before we have the money, and pay outrageous interest fees (by the way, making the minimum monthly payment will rarely if ever lead to the payment of the debt!)…or we cash our paycheck and spend it all before the next one arrives…with no thought of savings, much less investment.
Many of you have heard of an emergency fund or a rainy day fund. So-called experts differ on exact formulas, but before you spend every penny you own, consider the fact that emergencies will arise. It’s a fact of life. Rain will fall (especially in Toledo). And all of us have a limited number of days on earth…and days when we are able to work.
I realize our church family is very diverse. Some of you know more about money than I do. Many of you have more money than I do! And some of us struggle to save even a little, much less invest. We are so focused on surviving today that we can’t even imagine planning for tomorrow. Then the rain comes and we’re in crisis mode.
I want to remind you of the “spend wisely” principle from two weeks ago. We need to differentiate between our wants and our needs. Advertisements are designed to destroy your contentment. People are paid to convince you that desires are necessities. And you need that new (fill in the blank) now! And if now won’t work, perhaps you can wait for Amazon to deliver tomorrow (or later today!).
Since each household is unique, I want to simply remind you that a budget brings freedom, not bondage…and savings should be in your budget. Whether you save $1/paycheck, 1%, 10%, or more, it’s essential to save…and then invest that money so it can grow.
Jesus told a great story about three men who were given money to invest. In the 25th chapter of Matthew, Jesus tells of a man going on a long trip.
He gave five bags of silver to one, two bags of silver to another, and one bag of silver to the last—dividing it in proportion to their abilities. He then left on his trip. (Matthew 25:15, NLT)
“The servant who received the five bags of silver began to invest the money and earned five more. 17 The servant with two bags of silver also went to work and earned two more. 18 But the servant who received the one bag of silver dug a hole in the ground and hid the master’s money. (Matthew 25:16-18, NLT)
“After a long time their master returned from his trip and called them to give an account of how they had used his money. 20 The servant to whom he had entrusted the five bags of silver came forward with five more and said, ‘Master, you gave me five bags of silver to invest, and I have earned five more.’ (Matthew 25:19-20, NLT)
“The master was full of praise. ‘Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let’s celebrate together!’ (Matthew 25:21, NLT)
“The servant who had received the two bags of silver came forward and said, ‘Master, you gave me two bags of silver to invest, and I have earned two more.’ (Matthew 25:22, NLT)
“The master said, ‘Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let’s celebrate together!’ (Matthew 25:23, NLT)
“Then the servant with the one bag of silver came and said, ‘Master, I knew you were a harsh man, harvesting crops you didn’t plant and gathering crops you didn’t cultivate. 25 I was afraid I would lose your money, so I hid it in the earth. Look, here is your money back.’ (Matthew 25:24-25, NLT)
“But the master replied, ‘You wicked and lazy servant! If you knew I harvested crops I didn’t plant and gathered crops I didn’t cultivate, 27 why didn’t you deposit my money in the bank? At least I could have gotten some interest on it.’ (Matthew 25:26-27, NLT)
“Then he ordered, ‘Take the money from this servant, and give it to the one with the ten bags of silver. 29 To those who use well what they are given, even more will be given, and they will have an abundance. But from those who do nothing, even what little they have will be taken away. 30 Now throw this useless servant into outer darkness, where there will be weeping and gnashing of teeth.’ (Matthew 25:28-30, NLT)
There’s so much that could be said about savings and investments. A great resource is https://faithandfinance.org, a ministry of the Christian & Missionary Alliance. Of course, some of you will be meeting with David Munn of Munn Wealth Management today at noon. His company is built upon biblical principles and has been extremely generous to First Alliance and many Christian organizations throughout our community. David is a personal friend and a great resource. There are many others, too, including the Ron Blue Institute which partners with Orchard Alliance.
But I want to go back to Jesus’ story of investing. It’s a great picture of investing money—silver—but the greatest investment in the world is people.
A biblical example of investment
Who wrote the book of Timothy? Actually, there are two books called Timothy…1st and 2nd Timothy…and they were written by…Paul. These short letters were written from a mentor to an apprentice, a teacher to a student, a discipler to a disciple.
Timothy, I thank God for you—the God I serve with a clear conscience, just as my ancestors did. Night and day I constantly remember you in my prayers. (2 Timothy 1:3, NLT)
Paul invested prayer. Night and day he prayed for Timothy.
I long to see you again, for I remember your tears as we parted. And I will be filled with joy when we are together again. (2 Timothy 1:4, NLT)
Paul invested passion. He cried when they parted and longs for a joyous reunion.
I remember your genuine faith, for you share the faith that first filled your grandmother Lois and your mother, Eunice. And I know that same faith continues strong in you. (2 Timothy 1:5, NLT)
Grandma and mom invested, too.
This is why I remind you to fan into flames the spiritual gift God gave you when I laid my hands on you. (2 Timothy 1:6, NLT)
The Holy Spirit invested in Timothy with a spiritual gift.
For God has not given us a spirit of fear and timidity, but of power, love, and self-discipline. (2 Timothy 1:7, NLT)
That’s the fruit of the investment…power, love, and self-discipline. Who doesn’t want that?
A few verses later, Paul tells Timothy to…
Hold on to the pattern of wholesome teaching you learned from me—a pattern shaped by the faith and love that you have in Christ Jesus. 14 Through the power of the Holy Spirit who lives within us, carefully guard the precious truth that has been entrusted to you. (2 Timothy 1:13-14, NLT)
So What?
The greatest investment you can make is not in real estate, Bitcoin, or Microsoft. It’s in people. We do that through our time, talent, and treasures.
We must spend time with people. This is the core of discipleship, of investment, of friendship. Love is spelled t-i-m-e! There are no shortcuts or hacks. You simply need to invest time in people, listening to them, eating with them, having fun with them! When is the last time you chose to spend an hour with a non-Christian with no agenda, just to be with them?
Another way to invest in people is through your talents, your abilities. This might include volunteering with one of our Home Missions partners from last Sunday, cooking food for Dinner Church, assisting on the next Alpha Course, joining the music or tech teams, or any number of other things to get involved around here. What do you love to do? How can you do that with others, for others, for God’s glory?
You can also make a financial investment in people through giving your treasures to First Alliance, FAC Missions, and the Alliance Great Commission Fund. These three accounts are used to impact lives for eternity by supporting this local congregation, serving our ministry partners in our city and world through church planting, Home Missions, and Faith Missions, and contributing to the global work of our Christian & Missionary Alliance family, including Germany and the Dominican Republic.
Conclusion
Financial investments are great, especially as we age and become unable to work and earn income. Starbucks stock was worth more than eleven times its year 2000 value in 2016. Monster Beverage stock was worth 24 cents in 2001 and grew to $150 in 2015.
But despite the bumper sticker that says, “He who dies with the most toys wins,” there’s only one investment that’s eternal, and it’s not about money. It’s about people…and Jesus. The greatest investment you can make is investing in people, loving people, serving people, praying for people, introducing people to Jesus.
Several weeks ago, my sermon was entitled evangelize now, meaning “share good news now, tell others about Jesus now.” It is true that tomorrow could be too late…for you or them!
Investing in people always begins with prayer. Pray that God would lead you to the right people, that He would prepare their hearts, and that He would give you wisdom and words.
The next step is to listen…listen to them. Don’t bombard them with information. People don’t care how much you know until they know how much you care.
Eat with them. Grab coffee. There’s something powerful about food and relationships. The Bible is packed with examples, including the very manner in which we are to remember the death of Jesus.
Serve them. Put your faith into action.
Finally, share your story. After you’ve listened to theirs and served them, you’ve likely earned the right to share your story…God’s story. If you began the process with praying for them, there’s a good chance they’ll be interested in learning more.
B.L.E.S.S.
There's even a free BLESS app for your smart phone. Search for it.
But we must be intentional. It takes time. Sometimes years or decades! It requires sacrifice. This is true of all investments, but I promise you there is no greater investment than people. The returns are eternal!
British missionary C.T. Studd (what a great name!) penned a powerful poem entitled, “Only One Life, Twill Soon Be Past.” Here’s a sample:
God Cares More About Your Money Than You Do
Luke 12:13-34
Series Big Idea: Money matters…to God, to us, and to those we love.
Big Idea: The greatest investments will last forever.
Although I love this country, the older I get, the more I see its many flaws. No nation is perfect, of course, but despite our financial wealth, our culture has many weaknesses. One of them is we are impatient. Would you agree? When we stare at the microwave clock wishing it would cook faster…!!! Speaking of fast, have you driven on I-75 lately? If you’ve ever put money in the stock market, hoping the value would double overnight…It reminds me of my grandkids who once planted a garden and checked on it the next morning!
The late Dallas Willard famously gave this advice to his disciple, John Ortberg: “Ruthlessly eliminate hurry.” Good luck!
As we conclude our three-part series “God Cares More About Your Money Than You Do,” we are talking about the greatest investment.
What’s the greatest investment you’ve ever made?
I’m pretty happy with the Apple stock I bought in 2005 before I worked for the company. I bought 4 shares, spending $367. That $367 is now worth over $44,000. Imagine if I bought 100 shares instead of only 4! Truthfully, I’ve done very little investing in the stock market. Most of my very modest retirement account is in mutual funds.
All fruitful investments require time. By definition, the returns are not instantaneous. If you buy something from a vending machine, we call that a transaction. No waiting is required (unless the machine is broken and you have to kick it!). When you order fast food at a drive-thru, you hope and pray it won’t take an hour to receive your order!
But investments are different. There is no instant gratification. This is why many use financial investments to fund their retirement. They know it is years or decades away. They also recognize the value of compounding interest. The Bible has over 2000 references to money. Don’t worry, we’ll only look at half of them today!
God gives us many gifts for our good…that the enemy uses to destroy. Our planet was created filled with beauty, yet pollution taints its splendor. Relationships are God’s design, yet they often bring the greatest pain. Sex is a wonderful gift…within God-given boundaries designed to protect us. Money is another tool that can be used for good or harm.
In case you missed our message two weeks ago, we said
- If you spend less than you earn, you will never be broke.
- Work hard
- Spend wisely
- Give generously
Those are principles for building financial wealth. They also bring us great joy when we honor God with our money, no matter how much we possess…so long as our money doesn’t possess us.
I want to talk about another dimension of money and that is investing. Saving is not only a financial principle, it’s a healthy discipline. Because we live in an on-demand, have it now culture, the mere mention of the word “wait” might be enough to cause some of you anxiety. Who has time to wait?
The same is true with money. It’s hard to wait sometimes. We either see something we want, but it before we have the money, and pay outrageous interest fees (by the way, making the minimum monthly payment will rarely if ever lead to the payment of the debt!)…or we cash our paycheck and spend it all before the next one arrives…with no thought of savings, much less investment.
Many of you have heard of an emergency fund or a rainy day fund. So-called experts differ on exact formulas, but before you spend every penny you own, consider the fact that emergencies will arise. It’s a fact of life. Rain will fall (especially in Toledo). And all of us have a limited number of days on earth…and days when we are able to work.
I realize our church family is very diverse. Some of you know more about money than I do. Many of you have more money than I do! And some of us struggle to save even a little, much less invest. We are so focused on surviving today that we can’t even imagine planning for tomorrow. Then the rain comes and we’re in crisis mode.
I want to remind you of the “spend wisely” principle from two weeks ago. We need to differentiate between our wants and our needs. Advertisements are designed to destroy your contentment. People are paid to convince you that desires are necessities. And you need that new (fill in the blank) now! And if now won’t work, perhaps you can wait for Amazon to deliver tomorrow (or later today!).
Since each household is unique, I want to simply remind you that a budget brings freedom, not bondage…and savings should be in your budget. Whether you save $1/paycheck, 1%, 10%, or more, it’s essential to save…and then invest that money so it can grow.
Jesus told a great story about three men who were given money to invest. In the 25th chapter of Matthew, Jesus tells of a man going on a long trip.
He gave five bags of silver to one, two bags of silver to another, and one bag of silver to the last—dividing it in proportion to their abilities. He then left on his trip. (Matthew 25:15, NLT)
“The servant who received the five bags of silver began to invest the money and earned five more. 17 The servant with two bags of silver also went to work and earned two more. 18 But the servant who received the one bag of silver dug a hole in the ground and hid the master’s money. (Matthew 25:16-18, NLT)
“After a long time their master returned from his trip and called them to give an account of how they had used his money. 20 The servant to whom he had entrusted the five bags of silver came forward with five more and said, ‘Master, you gave me five bags of silver to invest, and I have earned five more.’ (Matthew 25:19-20, NLT)
“The master was full of praise. ‘Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let’s celebrate together!’ (Matthew 25:21, NLT)
“The servant who had received the two bags of silver came forward and said, ‘Master, you gave me two bags of silver to invest, and I have earned two more.’ (Matthew 25:22, NLT)
“The master said, ‘Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let’s celebrate together!’ (Matthew 25:23, NLT)
“Then the servant with the one bag of silver came and said, ‘Master, I knew you were a harsh man, harvesting crops you didn’t plant and gathering crops you didn’t cultivate. 25 I was afraid I would lose your money, so I hid it in the earth. Look, here is your money back.’ (Matthew 25:24-25, NLT)
“But the master replied, ‘You wicked and lazy servant! If you knew I harvested crops I didn’t plant and gathered crops I didn’t cultivate, 27 why didn’t you deposit my money in the bank? At least I could have gotten some interest on it.’ (Matthew 25:26-27, NLT)
“Then he ordered, ‘Take the money from this servant, and give it to the one with the ten bags of silver. 29 To those who use well what they are given, even more will be given, and they will have an abundance. But from those who do nothing, even what little they have will be taken away. 30 Now throw this useless servant into outer darkness, where there will be weeping and gnashing of teeth.’ (Matthew 25:28-30, NLT)
There’s so much that could be said about savings and investments. A great resource is https://faithandfinance.org, a ministry of the Christian & Missionary Alliance. Of course, some of you will be meeting with David Munn of Munn Wealth Management today at noon. His company is built upon biblical principles and has been extremely generous to First Alliance and many Christian organizations throughout our community. David is a personal friend and a great resource. There are many others, too, including the Ron Blue Institute which partners with Orchard Alliance.
But I want to go back to Jesus’ story of investing. It’s a great picture of investing money—silver—but the greatest investment in the world is people.
A biblical example of investment
Who wrote the book of Timothy? Actually, there are two books called Timothy…1st and 2nd Timothy…and they were written by…Paul. These short letters were written from a mentor to an apprentice, a teacher to a student, a discipler to a disciple.
Timothy, I thank God for you—the God I serve with a clear conscience, just as my ancestors did. Night and day I constantly remember you in my prayers. (2 Timothy 1:3, NLT)
Paul invested prayer. Night and day he prayed for Timothy.
I long to see you again, for I remember your tears as we parted. And I will be filled with joy when we are together again. (2 Timothy 1:4, NLT)
Paul invested passion. He cried when they parted and longs for a joyous reunion.
I remember your genuine faith, for you share the faith that first filled your grandmother Lois and your mother, Eunice. And I know that same faith continues strong in you. (2 Timothy 1:5, NLT)
Grandma and mom invested, too.
This is why I remind you to fan into flames the spiritual gift God gave you when I laid my hands on you. (2 Timothy 1:6, NLT)
The Holy Spirit invested in Timothy with a spiritual gift.
For God has not given us a spirit of fear and timidity, but of power, love, and self-discipline. (2 Timothy 1:7, NLT)
That’s the fruit of the investment…power, love, and self-discipline. Who doesn’t want that?
A few verses later, Paul tells Timothy to…
Hold on to the pattern of wholesome teaching you learned from me—a pattern shaped by the faith and love that you have in Christ Jesus. 14 Through the power of the Holy Spirit who lives within us, carefully guard the precious truth that has been entrusted to you. (2 Timothy 1:13-14, NLT)
So What?
The greatest investment you can make is not in real estate, Bitcoin, or Microsoft. It’s in people. We do that through our time, talent, and treasures.
We must spend time with people. This is the core of discipleship, of investment, of friendship. Love is spelled t-i-m-e! There are no shortcuts or hacks. You simply need to invest time in people, listening to them, eating with them, having fun with them! When is the last time you chose to spend an hour with a non-Christian with no agenda, just to be with them?
Another way to invest in people is through your talents, your abilities. This might include volunteering with one of our Home Missions partners from last Sunday, cooking food for Dinner Church, assisting on the next Alpha Course, joining the music or tech teams, or any number of other things to get involved around here. What do you love to do? How can you do that with others, for others, for God’s glory?
You can also make a financial investment in people through giving your treasures to First Alliance, FAC Missions, and the Alliance Great Commission Fund. These three accounts are used to impact lives for eternity by supporting this local congregation, serving our ministry partners in our city and world through church planting, Home Missions, and Faith Missions, and contributing to the global work of our Christian & Missionary Alliance family, including Germany and the Dominican Republic.
Conclusion
Financial investments are great, especially as we age and become unable to work and earn income. Starbucks stock was worth more than eleven times its year 2000 value in 2016. Monster Beverage stock was worth 24 cents in 2001 and grew to $150 in 2015.
But despite the bumper sticker that says, “He who dies with the most toys wins,” there’s only one investment that’s eternal, and it’s not about money. It’s about people…and Jesus. The greatest investment you can make is investing in people, loving people, serving people, praying for people, introducing people to Jesus.
Several weeks ago, my sermon was entitled evangelize now, meaning “share good news now, tell others about Jesus now.” It is true that tomorrow could be too late…for you or them!
Investing in people always begins with prayer. Pray that God would lead you to the right people, that He would prepare their hearts, and that He would give you wisdom and words.
The next step is to listen…listen to them. Don’t bombard them with information. People don’t care how much you know until they know how much you care.
Eat with them. Grab coffee. There’s something powerful about food and relationships. The Bible is packed with examples, including the very manner in which we are to remember the death of Jesus.
Serve them. Put your faith into action.
Finally, share your story. After you’ve listened to theirs and served them, you’ve likely earned the right to share your story…God’s story. If you began the process with praying for them, there’s a good chance they’ll be interested in learning more.
B.L.E.S.S.
There's even a free BLESS app for your smart phone. Search for it.
But we must be intentional. It takes time. Sometimes years or decades! It requires sacrifice. This is true of all investments, but I promise you there is no greater investment than people. The returns are eternal!
British missionary C.T. Studd (what a great name!) penned a powerful poem entitled, “Only One Life, Twill Soon Be Past.” Here’s a sample:
Two little lines I heard one day,
Traveling along life’s busy way;
Bringing conviction to my heart,
And from my mind would not depart;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
Only one life, yes only one,
Soon will its fleeting hours be done;
Then, in ‘that day’ my Lord to meet,
And stand before His Judgement seat;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
Only one life, the still small voice,
Gently pleads for a better choice
Bidding me selfish aims to leave,
And to God’s holy will to cleave;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
Only one life, a few brief years,
Each with its burdens, hopes, and fears;
Each with its clays I must fulfill.
living for self or in His will;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
When this bright world would tempt me sore,
When Satan would a victory score;
When self would seek to have its way,
Then help me Lord with joy to say;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
Give me Father, a purpose deep,
In joy or sorrow Thy word to keep;
Faithful and true what e’er the strife,
Pleasing Thee in my daily life;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
Oh let my love with fervor burn,
And from the world now let me turn;
Living for Thee, and Thee alone,
Bringing Thee pleasure on Thy throne;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
Only one life, yes only one,
Now let me say, “Thy will be done”;
And when at last I’ll hear the call,
I know I’ll say “twas worth it all”;
Only one life, ’twill soon be past,
Only what’s done for Christ will last.
You can listen to this message and others at the First Alliance Church podcast here.
You can watch this video and others at the First Alliance Church Video Library here.
How to Get Rich, 3 March 2024
04 03 24
How to Get Rich
God Cares More About Your Money Than You Do
1 Timothy 6:6-10, NLT
Series Big Idea: Money matters…to God, to us, and to those we love.
Big Idea: Intentionality is usually required to make us rich…financially and otherwise.
If you were offered one wish, what would it be? You can’t ask for more wishes!
A common wish people have is to get rich. Was that your wish? Today I’m going to tell you how to get rich…and I hope you’re paying attention!
Welcome to week two of our series God Cares More About Your Money Than You Do. It’s true. God loves you and wants you to flourish in this life—and the next—and money can be a tool for good…or an idol to destroy our lives.
It’s so easy to make money our god, our idol. It’s a common factor in divorce. It has split families and friendships. So is money evil?
No. It’s a tool, like food or a hammer or a book. It can be used for good or bad purposes. It can be used or abused. Paul wrote to his disciple Timothy and said,
For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. (1 Timothy 6:10, NIV)
The love of money is the issue, just like the love of pleasure or power or any number of things can get in the way of our relationship with God…and others.
God is more concerned about the heart than the wallet.
One of the problems with the love of money is there never seems to be enough. One billionaire was asked how much was enough and he replied, “Just a little bit more.” The love of money will never lead to contentment. Perhaps that’s why in the book of Hebrews it says,
Keep your lives free from the love of money and be content with what you have, because God has said,
“Never will I leave you; never will I forsake you.” (Hebrews 13:5, NIV)
God wants us to trust Him, not money. Isn’t it ironic that our currency says, “In God We Trust” when most of us put our trust in money?
I’ve titled this sermon, “How to Get Rich.” So how much money do you need to be rich? By the world’s standards, must of us are already rich. What are we doing about it?
Two weeks ago, Pastor Donald said God owns, we possess. Do you have possessions or does what you have possess you?
One of the core values of our Alliance family says, “Everything we have belongs to God. We are His stewards.” God owns it all. Your health. Your job. Your retirement account. Your house, car, baseball card collection, wardrobe, …
W. Graham Scroggie said, “There are two ways in which a Christian may view his money--"How much of my money shall I use for God?" or "How much of God's money shall I use for myself?"
Back in November, I said,
“Wealth is an issue of the heart, and our attitude should be one of gratitude and generosity.”
On the subject of tithing—giving ten percent of your income to the LORD—I like to say don’t tithe on what you earn. Tithe on what you want to earn! No, I’m not guaranteeing a raise, but it’s amazing how many people think they’ll tithe on a million dollars but refuse to give ten percent of a hundred dollars.
But back to how to get rich. Here’s a simple principle, maybe step one in getting rich…financially. Are you ready?
If you spend less than you earn, you will never be broke.
My late grandfather gave me a silver dollar when I was a boy and said if I kept it, I’d never be broke!
It’s no secret USAmericans are drowning in debt. Mortgages, car payments, student loans, medical bills, and perhaps worst of all, credit card debt. I hate debt. It is not only costly financially due to interest, it is an emotional burden.
Addison H. Hallock once said, “Before borrowing money from a friend, decide which you need more!”
Proverbs says,
The rich rule over the poor, and the borrower is slave to the lender. (Proverbs 22:7)
Many of you just said a silent, Amen!” I must confess we owe a small amount on our house, but we have no other debt. I wanted to say we’re blessed to have no other debt, but it’s not accidental. If I had three pieces of advice about money, I would say,
Work hard.
Spend wisely.
Give generously.
How’s that for a three-point sermon? Let’s go!
Work hard.
I know it’s politically incorrect to say, but some people are just lazy! I’m grateful for government programs and charities who help the disabled who are unable to work, but able-bodied people who choose not to work are stealing from taxpayers who work hard.
Paul wrote to a church in modern day Greece and said,
For you yourselves know how you ought to follow our example. We were not idle when we were with you, 8 nor did we eat anyone’s food without paying for it. On the contrary, we worked night and day, laboring and toiling so that we would not be a burden to any of you. 9 We did this, not because we do not have the right to such help, but in order to offer ourselves as a model for you to imitate. 10 For even when we were with you, we gave you this rule: “The one who is unwilling to work shall not eat.” (2 Thessalonians 3:7-10, NIV)
We were created to work. Adam and Eve were given the task of naming the animals and caring for the Garden of Eden before they sinned and disobeyed God. I’m quite confident that we will work in heaven, too. It won’t be boring work. We won’t have a mean boss! But we were created to work, to produce, to create, to serve.
We’ve had seasons in our nation when unemployment was high. It created hardships not only financially, but also mentally and emotionally. We were not created to watch tv or play video games or surf the Internet all day!
It’s no surprise to me that many people who retire early and move to Florida to play golf die early. Study after study has shown this. Able-bodied people—and I want to emphasize that again—need to work. It may or may not involve a paycheck. We have many retirees here in our First Alliance family who volunteer countless hours, enabling us to do things we could never afford to do if paid staff were required. Thank you!
I could preach an entire sermon series on work as worship. We spent much of our lives working, and beyond a paycheck, how we work matters. Paul wrote,
Whatever you do, work at it with all your heart, as working for the Lord, not for human masters, 24 since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving. (Colossians 3:23-24)
Needless to say, hard work will often lead to raises, promotions, more money. So if you want to get rich, the first step is to work hard. The secret is not sports betting, the lottery, Hollywood Casino, or replying to that spam e-mail from Nigeria! It’s not a get-rich-quick scheme or running a shady business. It’s working hard…for the LORD…with rest…with sabbath…with quality time for family and friends…but work hard.
One more thing about work…in Matthew chapter 25, Jesus tells a parable about three workers. He says to two of them,
“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’ (Matthew 25:23)
He calls the third a “wicked, lazy servant” in verse 26. That’s not what I want Jesus to call me!
I want to slip in one Toledo reference. The seal of the city says in Latin, “To work is to pray.” The Alliance says, “Prayer is the primary work of God’s people.” It’s ok to ask God for a better job, more money, or favor with your boss. Virtually all of us experience emergencies in which we need help. It’s ok to ask God…and it’s ok to ask our church family, too. We have a Benevolence fund the Deacons administrate to assist with emergencies. Simply fill out the form in the lobby kiosk or at the bottom of Wednesdays’ FAC Focus e-newsletter. Family helps family.
Spend wisely.
This is a huge challenge in our consumer culture where every commercial is created to make discontent, conditioning us to want what we don’t have, promising eternal happiness if we just buy…now!
There used to be a time before credit cards when people would actually save up before buying a car or new furniture or even a tv! Contentment is a blessing…an attitude of gratitude. Instead of what you want, think about what you already have. Count your blessings. Many of the things we think we want or even need will end up in a garage sale—or dumpster—in a few years. Some money problems are related to income, but others are about consumption. Let me say it again
If you spend less than you earn, you will never be broke.
I have a helpful tool to help you. It’s called a…budget!
I used to struggle with budgets because my income changed from month to month. Then I learned a monthly budget might be more useful than an annual budget. I don’t want to insult anyone’s intelligence, but let me walk you through a simple budget.
Suppose you earn minimum wage…$10.45/hour. Most entry-level jobs pay more than that, but let’s use that. Your paycheck would be about $784 twice a month, so $1568/month. You can’t spend more than that or you’ll go into debt. Period.
The next step is to look at your expenses and, if necessary, find ways to reduce them. For example, housing is the largest expense for many of us. If you can’t find housing to fit your budget, you might consider a roommate (pets don’t count! They don’t share the bills!).
Food eats up much of our budgets (sorry for the pun). I’ve gone through seasons where instead of eating out, I made peanut butter and jelly sandwiches (which are still affordable even with inflation!). Sure, it’s tempting to see an ad for Mancy’s or even fast food these days (which has skyrocketed in price), but your budget will thank you if you go to Aldi or Kroger instead. Use digital coupons. Look for sales and stock up. If you like to eat out, consider buying a Save-around coupon book in the lobby to support the Germany trip. My $25 investment pays off with two meals using the book.
Transportation is another huge expense. When it’s 70 degrees in February, consider walking! Take the bus. Hang on to the used car before racing to buy a new one with all of the fancy features you can’t afford. Consider reliability over frills. The job of transportation is to get you to your destination, not give you a day at the spa! Maybe a bicycle would fit the bill, especially if we keep having mild winters.
These are some simple examples, and as your income increases, so can your spending…but not until!
A budget brings freedom, not bondage.
Take the time to create one. Income on one side and expenses on the other. As one author says, a budget tells your money where to go. You never need to feel guilty about spending on something that’s in your budget.
Give generously.
I know this one doesn’t make logical sense, but Kingdom math—God math—is amazing! No, I’m not promising that if you stuff the Drop Box you will win the lottery. I’m not saying name it and claim it. I am saying—Jesus said—
You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’ (Matthew 25:23b)
If we work hard, spend wisely, and live open-handed, God will bless. It might be unexpected financial blessings. Pastor Will Henderson told a great story last week of being given $10,000 out of the blue! That happens to those who are generous. I can tell personal stories of cash taped to my office door, cash appearing in our medicine cabinet, and my favorite story of all, the gift of a minivan hours after we prayed for one (and didn’t tell a soul!). Those stories all happened when we had little people, couldn’t afford to give away a dime, yet chose to take God at His Word and give at least ten percent of our income to our local church. Again, I’m not promising that $100 in the Drop Box will mean $100 will appear in your mailbox or Venmo account this week…but it might…or even more!
The only place I know God says, “Test Me” is in the last book of the Old Testament.
Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it. (Malachi 3:10, NIV)
There’s an old adage that says, “Pay it forward.” God math often works like that. You can’t outgive God. I dare you to try! It’s such a joy to give. I’ve often said I love giving, especially to First Alliance Church. I see how our frugal budget is invested and the return on investment is amazing…it’s eternal!
This is not a fundraising pitch. God doesn’t need your money…even though First Alliance could use it! This is about an attitude of gratitude that results in generosity and blessing. It might be financial blessing. It might be physical health, enriching relationships, and certainly grace, mercy, peace, forgiveness, hope, and eternal life with God.
Conclusion
If you were offered one wish, what would it be? You can’t ask for more wishes!
King David had a brilliant answer.
One thing I ask from the LORD, this only do I seek: that I may dwell in the house of the LORD all the days of my life, to gaze on the beauty of the LORD and to seek him in his temple. (Psalm 27:4)
Getting rich—being rich—is about so much more than money. No amount of money can buy you true and lasting joy. Money can buy you temporary happiness, and you can experience great peace when you discover contentment and exercise generosity. Being a good steward of the riches you’ve been given brings glory to God. Ultimately, only a relationship with the living God can bring the meaning, purpose, and satisfaction we all seek.
So work hard, spend wisely, give generously, …and seek first the Kingdom of God. He’s where the joy is!
One more thing…
I’m not sure you really want to be financially rich. Many millionaires have expressed the burden of riches.
Actor Jim Carrey said, “I think everyone should get rich and famous and do everything they dreamed of so they can see that it is not the answer.”
“Two things I ask of you, LORD;
do not refuse me before I die:
Keep falsehood and lies far from me;
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. (Proverbs 30:7-9)
You can listen to this message and others at the First Alliance Church podcast here.
You can watch this video and others at the First Alliance Church Video Library here.
God Cares More About Your Money Than You Do
1 Timothy 6:6-10, NLT
Series Big Idea: Money matters…to God, to us, and to those we love.
Big Idea: Intentionality is usually required to make us rich…financially and otherwise.
If you were offered one wish, what would it be? You can’t ask for more wishes!
A common wish people have is to get rich. Was that your wish? Today I’m going to tell you how to get rich…and I hope you’re paying attention!
Welcome to week two of our series God Cares More About Your Money Than You Do. It’s true. God loves you and wants you to flourish in this life—and the next—and money can be a tool for good…or an idol to destroy our lives.
It’s so easy to make money our god, our idol. It’s a common factor in divorce. It has split families and friendships. So is money evil?
No. It’s a tool, like food or a hammer or a book. It can be used for good or bad purposes. It can be used or abused. Paul wrote to his disciple Timothy and said,
For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. (1 Timothy 6:10, NIV)
The love of money is the issue, just like the love of pleasure or power or any number of things can get in the way of our relationship with God…and others.
God is more concerned about the heart than the wallet.
One of the problems with the love of money is there never seems to be enough. One billionaire was asked how much was enough and he replied, “Just a little bit more.” The love of money will never lead to contentment. Perhaps that’s why in the book of Hebrews it says,
Keep your lives free from the love of money and be content with what you have, because God has said,
“Never will I leave you; never will I forsake you.” (Hebrews 13:5, NIV)
God wants us to trust Him, not money. Isn’t it ironic that our currency says, “In God We Trust” when most of us put our trust in money?
I’ve titled this sermon, “How to Get Rich.” So how much money do you need to be rich? By the world’s standards, must of us are already rich. What are we doing about it?
Two weeks ago, Pastor Donald said God owns, we possess. Do you have possessions or does what you have possess you?
One of the core values of our Alliance family says, “Everything we have belongs to God. We are His stewards.” God owns it all. Your health. Your job. Your retirement account. Your house, car, baseball card collection, wardrobe, …
W. Graham Scroggie said, “There are two ways in which a Christian may view his money--"How much of my money shall I use for God?" or "How much of God's money shall I use for myself?"
Back in November, I said,
“Wealth is an issue of the heart, and our attitude should be one of gratitude and generosity.”
On the subject of tithing—giving ten percent of your income to the LORD—I like to say don’t tithe on what you earn. Tithe on what you want to earn! No, I’m not guaranteeing a raise, but it’s amazing how many people think they’ll tithe on a million dollars but refuse to give ten percent of a hundred dollars.
But back to how to get rich. Here’s a simple principle, maybe step one in getting rich…financially. Are you ready?
If you spend less than you earn, you will never be broke.
My late grandfather gave me a silver dollar when I was a boy and said if I kept it, I’d never be broke!
It’s no secret USAmericans are drowning in debt. Mortgages, car payments, student loans, medical bills, and perhaps worst of all, credit card debt. I hate debt. It is not only costly financially due to interest, it is an emotional burden.
Addison H. Hallock once said, “Before borrowing money from a friend, decide which you need more!”
Proverbs says,
The rich rule over the poor, and the borrower is slave to the lender. (Proverbs 22:7)
Many of you just said a silent, Amen!” I must confess we owe a small amount on our house, but we have no other debt. I wanted to say we’re blessed to have no other debt, but it’s not accidental. If I had three pieces of advice about money, I would say,
Work hard.
Spend wisely.
Give generously.
How’s that for a three-point sermon? Let’s go!
Work hard.
I know it’s politically incorrect to say, but some people are just lazy! I’m grateful for government programs and charities who help the disabled who are unable to work, but able-bodied people who choose not to work are stealing from taxpayers who work hard.
Paul wrote to a church in modern day Greece and said,
For you yourselves know how you ought to follow our example. We were not idle when we were with you, 8 nor did we eat anyone’s food without paying for it. On the contrary, we worked night and day, laboring and toiling so that we would not be a burden to any of you. 9 We did this, not because we do not have the right to such help, but in order to offer ourselves as a model for you to imitate. 10 For even when we were with you, we gave you this rule: “The one who is unwilling to work shall not eat.” (2 Thessalonians 3:7-10, NIV)
We were created to work. Adam and Eve were given the task of naming the animals and caring for the Garden of Eden before they sinned and disobeyed God. I’m quite confident that we will work in heaven, too. It won’t be boring work. We won’t have a mean boss! But we were created to work, to produce, to create, to serve.
We’ve had seasons in our nation when unemployment was high. It created hardships not only financially, but also mentally and emotionally. We were not created to watch tv or play video games or surf the Internet all day!
It’s no surprise to me that many people who retire early and move to Florida to play golf die early. Study after study has shown this. Able-bodied people—and I want to emphasize that again—need to work. It may or may not involve a paycheck. We have many retirees here in our First Alliance family who volunteer countless hours, enabling us to do things we could never afford to do if paid staff were required. Thank you!
I could preach an entire sermon series on work as worship. We spent much of our lives working, and beyond a paycheck, how we work matters. Paul wrote,
Whatever you do, work at it with all your heart, as working for the Lord, not for human masters, 24 since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving. (Colossians 3:23-24)
Needless to say, hard work will often lead to raises, promotions, more money. So if you want to get rich, the first step is to work hard. The secret is not sports betting, the lottery, Hollywood Casino, or replying to that spam e-mail from Nigeria! It’s not a get-rich-quick scheme or running a shady business. It’s working hard…for the LORD…with rest…with sabbath…with quality time for family and friends…but work hard.
One more thing about work…in Matthew chapter 25, Jesus tells a parable about three workers. He says to two of them,
“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’ (Matthew 25:23)
He calls the third a “wicked, lazy servant” in verse 26. That’s not what I want Jesus to call me!
I want to slip in one Toledo reference. The seal of the city says in Latin, “To work is to pray.” The Alliance says, “Prayer is the primary work of God’s people.” It’s ok to ask God for a better job, more money, or favor with your boss. Virtually all of us experience emergencies in which we need help. It’s ok to ask God…and it’s ok to ask our church family, too. We have a Benevolence fund the Deacons administrate to assist with emergencies. Simply fill out the form in the lobby kiosk or at the bottom of Wednesdays’ FAC Focus e-newsletter. Family helps family.
Spend wisely.
This is a huge challenge in our consumer culture where every commercial is created to make discontent, conditioning us to want what we don’t have, promising eternal happiness if we just buy…now!
There used to be a time before credit cards when people would actually save up before buying a car or new furniture or even a tv! Contentment is a blessing…an attitude of gratitude. Instead of what you want, think about what you already have. Count your blessings. Many of the things we think we want or even need will end up in a garage sale—or dumpster—in a few years. Some money problems are related to income, but others are about consumption. Let me say it again
If you spend less than you earn, you will never be broke.
I have a helpful tool to help you. It’s called a…budget!
I used to struggle with budgets because my income changed from month to month. Then I learned a monthly budget might be more useful than an annual budget. I don’t want to insult anyone’s intelligence, but let me walk you through a simple budget.
Suppose you earn minimum wage…$10.45/hour. Most entry-level jobs pay more than that, but let’s use that. Your paycheck would be about $784 twice a month, so $1568/month. You can’t spend more than that or you’ll go into debt. Period.
The next step is to look at your expenses and, if necessary, find ways to reduce them. For example, housing is the largest expense for many of us. If you can’t find housing to fit your budget, you might consider a roommate (pets don’t count! They don’t share the bills!).
Food eats up much of our budgets (sorry for the pun). I’ve gone through seasons where instead of eating out, I made peanut butter and jelly sandwiches (which are still affordable even with inflation!). Sure, it’s tempting to see an ad for Mancy’s or even fast food these days (which has skyrocketed in price), but your budget will thank you if you go to Aldi or Kroger instead. Use digital coupons. Look for sales and stock up. If you like to eat out, consider buying a Save-around coupon book in the lobby to support the Germany trip. My $25 investment pays off with two meals using the book.
Transportation is another huge expense. When it’s 70 degrees in February, consider walking! Take the bus. Hang on to the used car before racing to buy a new one with all of the fancy features you can’t afford. Consider reliability over frills. The job of transportation is to get you to your destination, not give you a day at the spa! Maybe a bicycle would fit the bill, especially if we keep having mild winters.
These are some simple examples, and as your income increases, so can your spending…but not until!
A budget brings freedom, not bondage.
Take the time to create one. Income on one side and expenses on the other. As one author says, a budget tells your money where to go. You never need to feel guilty about spending on something that’s in your budget.
Give generously.
I know this one doesn’t make logical sense, but Kingdom math—God math—is amazing! No, I’m not promising that if you stuff the Drop Box you will win the lottery. I’m not saying name it and claim it. I am saying—Jesus said—
You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’ (Matthew 25:23b)
If we work hard, spend wisely, and live open-handed, God will bless. It might be unexpected financial blessings. Pastor Will Henderson told a great story last week of being given $10,000 out of the blue! That happens to those who are generous. I can tell personal stories of cash taped to my office door, cash appearing in our medicine cabinet, and my favorite story of all, the gift of a minivan hours after we prayed for one (and didn’t tell a soul!). Those stories all happened when we had little people, couldn’t afford to give away a dime, yet chose to take God at His Word and give at least ten percent of our income to our local church. Again, I’m not promising that $100 in the Drop Box will mean $100 will appear in your mailbox or Venmo account this week…but it might…or even more!
The only place I know God says, “Test Me” is in the last book of the Old Testament.
Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it. (Malachi 3:10, NIV)
There’s an old adage that says, “Pay it forward.” God math often works like that. You can’t outgive God. I dare you to try! It’s such a joy to give. I’ve often said I love giving, especially to First Alliance Church. I see how our frugal budget is invested and the return on investment is amazing…it’s eternal!
This is not a fundraising pitch. God doesn’t need your money…even though First Alliance could use it! This is about an attitude of gratitude that results in generosity and blessing. It might be financial blessing. It might be physical health, enriching relationships, and certainly grace, mercy, peace, forgiveness, hope, and eternal life with God.
Conclusion
If you were offered one wish, what would it be? You can’t ask for more wishes!
King David had a brilliant answer.
One thing I ask from the LORD, this only do I seek: that I may dwell in the house of the LORD all the days of my life, to gaze on the beauty of the LORD and to seek him in his temple. (Psalm 27:4)
Getting rich—being rich—is about so much more than money. No amount of money can buy you true and lasting joy. Money can buy you temporary happiness, and you can experience great peace when you discover contentment and exercise generosity. Being a good steward of the riches you’ve been given brings glory to God. Ultimately, only a relationship with the living God can bring the meaning, purpose, and satisfaction we all seek.
So work hard, spend wisely, give generously, …and seek first the Kingdom of God. He’s where the joy is!
One more thing…
I’m not sure you really want to be financially rich. Many millionaires have expressed the burden of riches.
Actor Jim Carrey said, “I think everyone should get rich and famous and do everything they dreamed of so they can see that it is not the answer.”
“Two things I ask of you, LORD;
do not refuse me before I die:
Keep falsehood and lies far from me;
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. (Proverbs 30:7-9)
You can listen to this message and others at the First Alliance Church podcast here.
You can watch this video and others at the First Alliance Church Video Library here.