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October 5, 2008
Increasing debt rooted in the greed of inherent depravity is what has brought
our nation to the point of needing a $700B bail out. And it this supposed
economic crisis has come upon our nation this past week because of two
major influences in our lives, neither of which we will ever be able to escape
from until the day we die.
The first major influence in our lives which has brought us to this crisis in our
nation is our own depraved hearts.
• By nature we are not content with what God has given us in life.
This is rooted in our inherent depravity.
• Two of the major fruits that grow from this root are pride and greed.
The second major influence in our lives is this fallen world. Our world,
our nation, our society and culture today are all dominated and largely
controlled by prideful and greedy human beings who, with the tools of sales
and marketing, weave the world’s messages into the fabric of our souls
through a daily, steady trickle of information that fuels our inherent
discontent.
Those in this fallen world who are not followers of King Jesus live like it.
They spend for themselves, on themselves, and by themselves. And when
they run out of money, they borrow money to spend more for themselves, on
themselves, and again all by themselves. Through worldly methods of sales
and marketing that are themselves developed out of greed, people are
intentionally made to feel more discontent with their situation life. As a
result, the worldly sales and marketing tactics work when these discontented
en masse spend money they do not really have on things they do not really
need in order to attain a happiness that does not really exist. In short,
discontented, greedy people make lots of money by making other people
more discontent and greedy. It is a cycle of madness that will ultimately
implode financially and spiritually ruining everyone inside the bubble.
Working in the background of our lives for the past twenty plus years
has been an economy that skyrocketed through the atmosphere of a real
estate bubble. Houses were increasing in value an average of 20% per year
up until early 2007. And working in conjunction with this background was
our federal government taking advantage of that bubble through
organizations like the Federal Housing Administration (FHA), Fanny Mae,
Freddie Mac, ACORN, among the most notable. These organizations
themselves took advantage of the skyrocketing real estate percentages to
make money by promising banks the funding needed to get the
“underprivileged” members of our society into a home. Simply put, this
meant gaining votes from minorities and poorer segments of our society
through the promise of homes neither these citizens or the banks or the
federal government could ultimately afford. Multiply this out times many,
many years and it caught up to the government. The institution and
organization whose sole job is to protect us from enemies and provide for the
common welfare of the people, decided to turn itself into a business and
attempted to turn a profit.
Working in conjunction with the real estate bubble and the federal
government’s decision to make a little money on the side was that silent but
financially deadly influence of health, wealth, and prosperity, on which I’ll
say more in a minute. Breathing the poisonous air of this belief, taught both
in the world in general as well as in the church, we began believing that not
only do we deserve more, but we can actually get more if we try. And try we
did, by going into debt…for cars, school, homes, and virtually anything and
everything else we could possibly dream of. From boats and yachts and
third homes to stereos and flat screens to home furnishings and
remodelings, most Americans have indebted themselves up to and
sometimes over 100% of their income. What this means is that the average
American actually owes as much as, if not more than they make each year.
And why? Because the subtle influences of inherent depravity through
discontent and greed, working together with worldly marketing taught us
that we should be able to get whatever we want, whenever we want,
however we want.
That is mostly why we are in the financial jam we are in today. Many
of us sitting here today have gone out and gotten ourselves in financial
trouble. We are to blame by going to banks and asking for loans for things
we knew full we could truly not afford, if we had taken the time to sit down
and responsibly figure things out. So banks not only lent to the
“underprivileged” and “economically disadvantaged,” but they also lent to
us who were over-privileged and over-advantaged, who should have paid
cash for what we needed or wanted, but instead kept our cash and chose to
use someone else’s, thus cutting our financial stability out from under our
own families.
The National Debt Clock also tells us the following discouraging but helpful
information:
I lay part of the blame for our economic mess today at the feet of
those who claim to be followers of Christ. And part of that blame squarely
falls at my own feet. For I don’t come to you this morning as a person or
pastor unscathed by the fruits of pride and greed lurking in the depths of my
own fallen heart. And without excusing my sin in any way, most Christians
cannot excuse theirs either. For whether we recognize it or not, and whether
we like to admit it or not, the fumes of the health, wealth, and prosperity
gospel have polluted the very theological and ecclesiastical air we breathe in
this country. “We do deserve more,” we tell ourselves. “God does want to
bless us with stuff we want,” we reason. And so we borrow and spend like
we believe these things, or something similar we have told ourselves over
and over again, probably subconsciously.
I was perusing the current issue of TIME Magazine this past week and
found an article there in the Business and Tech section by David van Biema.
Entitled, “Foreclosures: Did God Want You To Get That Mortgage,” this
presumably unsaved journalist rightly identifies the health, wealth, and
prosperity gospel for having turned some of “its followers into some of the
most willing participants – and hence, victims – of the current financial
crisis.”i
The challenge I offer myself and you as well this morning is this. To
what degree have we been influenced by these kinds of doctrines? If this
kind of doctrine results in a kind of lifestyle which does not conform to the
gospel and to godliness, and if financial chaos is a reflection of a kind of
lifestyle, what has caused that lifestyle in us and our families? Is it the
fumes of the health, wealth, and prosperity doctrines which have, in some
form or another, made their way into the lungs of our souls? Or is it
something else we have not yet identified?
There was a caveat, however, and it was one which turned the
advantage of overindulging parents into a curse. As baby boomers grew
older, their parents often failed to tell them what kind of life was lived before
they were born that enabled them to be the recipients of so much blessing.
In a nation crawling out of the first World War and into the mire of the Great
Depression, only to crawl out again back into the trenches of the second
World War, the parents of baby boomers had learned a lesson that had
enabled them characteristically and financially to be to the source of so
much blessing to their children. They learned the hard lessons of
contentment and resourcefulness. They learned to make due with what they
had. But the technological revolution which was born out of the second
World War fast created a world of ease, safety, comfort, and security such
that baby boomers really had nothing to fear. Their parents before them had
already faced those fears and dealt with them as a nation. And now their
children were enjoying the fruits of that harvest of death and suffering. I
suppose it is almost impossible to completely pass on to your children
everything you’ve experienced and everything you know. One person simply
cannot live the life of another. But there are, however, lessons learned in life
that ought to be impressed upon the hearts and minds of our children. And I
wonder whether or not the parents of the baby boomer generation failed in
that regard.
Fast forward a few decades and my wife and I, along with many of you,
are the products of baby-boomers. Our parents were so caught up in
pursuing and enjoying the American Dream that they were unable to pass
along to us whatever, if anything, they learned from their parents. Their
pursuits took them both, dad and mom out of the household picture,
Well, that big turn has come this past week. But it wasn’t quite the
turn that Generation Next-ers are hoping for. In fact, it’s probably safe to
say that this whole economic bail out thing entirely missed them. Updating
Facebook friends, keeping up with the “Jones’s” in the World of Warcraft,
maintaining their iPods, feasting on internet porn, and just wasting time in
general keeps them far too busy for world economics and financial
responsibilities. Yet this very generation, who by and large has missed this
whole crisis, will be the ones to pay the price tag that we as their parents,
and our parents as their grandparents have written on their future. Yes, our
failure to take upon ourselves the responsibility to deal with our personal
finances morally, ethically, and just plain wisely has meant that our children
receive basically zero education on financial matters. They’ll grow up as
dumb as we are, and they’ll do things as dumb as we have done, all while
expecting that life should somehow be better…because they, like we, have
breathed in the air of discontentment, greed, and pride.
Also in this week’s current issue of TIME was an insightful and frightful
article by Niall Ferguson, who is currently one of the world’s leading
historians. His article entitled, “The End of Prosperity?” puts into focus for us
the possibility of another Great Depression, though to be sure he argues that
it is not altogether unavoidable. What is certain though is that our country
will from here on out be forced to make two life altering decisions: live on
less and reduce their debt load. Pursuing these two courses will necessarily
entail a change of mindset that doesn’t run into material gain so quickly.
Ferguson wrote in his article,
The hope here is not Washington, friends. And it’s not even the
church. The real hope is King Jesus. And those who are followers of King
Jesus should and will live like it. Their hearts are truly committed to the
financial outlook both held and proclaimed by Him personally while He was
on this earth. And they work hard on this earth to attain blessings not on
this earth. Simultaneously, however, they also work hard to identify and
destroy the spiritual parasites which both imbed their bacteria of discontent
and greed into the soul, while at the same time draining the soul of true
happiness in King Jesus. Ridding themselves of both the parasites and the
source from which they come, on a daily basis, is as ordinary a task to true
Christians as following any other command the King has issued in His Word.
This is the “big picture” mindset Paul was attempting to give Timothy
when it came to the issue of money, in 1 Timothy 6. Consider again the
short list of the reflections of greed in our culture today: two-income
households, technological explosion, national debt, personal debt, mortgage
crisis, health/wealth/prosperity teaching, etc. All of these and more are the
fruits of our irresponsible and ignorant “labors.”
Please hear my heart on what I’m about to say. When a nation falls to
greed it will also fall because of greed. And when this happens, Christians in
that nation will always suffer along with the rest. So instead of crying “No
Fair!” and because of our parental irresponsibility allowing our children to
grow up in that same “No Fair!” default mode, we would do well to live as
Jesus and Paul taught us to live. I believe, based on the promises God
Himself has made in His Word, that such a life will NEVER truly be affected
by a nation’s financial downfall because of greed. Why? Because the kind of
life a follower of Jesus must live never, EVER rests on the rise and fall of a
nation’s economics, but upon the faithfulness of God to His people. This life,
I submit to you this morning, is a life of contentment.
“I don't know that I have necessarily heard anyone say, ‘I'm now
convicted to straighten out my life.’ I think the net result is that
when the emotional moment leaves, people will hopefully find
some contentment in what they currently have and not have to
constantly own something bigger and better just to feel good
about themselves.”iv
Truly this is the task of a pastor, according to the letter Paul wrote to
the Ephesian church, which became the church where young Timothy
eventually served as pastor. In that letter, Paul wrote that the function of
the pastor and teacher in a local church is to equip people to do the work of
ministry with the result that people “will no longer be immature like children.
We won't be tossed and blown about by every wind of new teaching. We will
not be influenced when people try to trick us with lies so clever they sound
like the truth” (4:13).
What It Is
for something else. That desire is sin. Sin associates with greed which then
fuels the discontent. That’s why people get addicted to pornography or any
other sexual sin. It’s because they are not satisfied with what God has given
them. And they aren’t satisfied because they do not truly believe the
promises God has already made and kept to take care of them. Their
happiness doesn’t lay in what God promised, but in what they don’t have
and can’t stop wanting. This is often why sex and money are almost always
connected, whether in the lives of politicians or preachers. The problem, of
course, is that in the case of the latter, much more is at stake than politics.
The very name and reputation of Jesus Christ is stained.
If true godliness means living like God, then living like God means
giving, not earning! “It is more blessed to give than receive,” were
the words of Jesus in Acts 20. So true godliness is living and
therefore giving like God. Where’s the health, wealth, and
prosperity in that?
That name is the very reason why every Christian must be content
with wherever they are in life right now. Now I don’t mean, of course, that
you should be content with regard to your pursuit of God or your current
degree of holiness. No Christian can ever be content in those areas because
there’s always so much to work on! But in the area of what kind of money
we currently make and what we currently own, we must be content. And
why? Why can’t we live like everyone else in the world, vying for the next
easy buck so we can buy something we are eager to consume in our
selfishness? For one reason. The Christian has something the non-Christian
does not have: forgiveness of sins. Romans 8:32 brings the “why” and the
“how” into focus more for us.
“He who did not spare His own Son, but delivered Him up for us
all, how will He not also with Him freely give us all things”
(NASB).
Do you see that?! God didn’t hold anything back from us. He gave us ALL
He had when He gave us Jesus Christ, His Son. And in giving us Jesus Christ,
we are thereby given forgiveness of our sins and made right with God. All of
you here are thinking persons, so I ask you: what greater thing could a
person possibly have in this life than to be made right with the God of the
universe? What greater status symbol of wealth could any person possibly
have than that of “forgiven”? Why is that so significant? Because even if
you have gained the whole world as your wealth and you lack Jesus Christ
and forgiveness of sins, then you will die not right with God, and the next life
will be unimaginably more worse than any thought of an inconvenienced
lifestyle with lesser material possessions here and now.
“Oh, but you have no idea how hard and inconvenienced my life would
be without the stuff I enjoy now. The Bible talks about trials and tribulations,
and my life would be filled with them if I didn’t have my stuff!” I answer this
silliness with the words of Horatio Spafford. Here is a man who was one of
the wealthiest businessmen in Chicago during the late 1800’s and lost it all
in the great Chicago Fire of October 1871. Then putting his wife and children
to sail for Europe to start a new life, their ship wrecked and sank, taking the
lives of all his children, with only his wife Anna surviving. Several weeks
later, as Spafford’s own ship was sailing near the area where his daughters
were lost he penned the words to the famous hymn, “It is Well With My
Soul.” Listen to the words of the second verse.
Do you hear the words of this wealthy businessman who had lost all his
wealth, including his daughters?! Even IF trials should come, there is one
incredibly blessed assurance that controls our lives. Jesus Christ took pity on
my soul, shed His own blood for me, and forgave me! So no matter what
else happens to me, it is well with my soul!
This is what Paul means when he said to Timothy that godliness with
contentment is great gain. The godliness he speaks of is that godly mindset
and attitude which accompanies contentment in the Christian. You see,
contentment without godliness is just apathy. And godliness without
contentment is empty religion. But kind of godliness with contentment Paul
experienced was driven by the gospel. Unafraid of what lies ahead, while he
awaits trial in prison, He can say to the Philippians, “I have received
Ultimately, true godliness is living like we believe that Jesus Christ is the
once-and-for-all expression and fulfillment of a promise-keeping God. If God
promised to save us from eternal condemnation in hell, and if He kept that
promise, then do you think He’s going to let us starve to death or run around
naked? Even David, a man who never knew Jesus, knew that! In Psalm
37:25 he wrote, “I have been young and now I am old, yet I have never seen
God’s righteous forsaken or His children out begging for bread.” Did He send
His Son the cross to die to make you right with Him only to leave you naked
and hungry, stranded on this planet until He comes back?
Some of you have either been fly fishing before, or else you’ve seen
someone else do it, if only on television. The concept is simple: throw a
manmade “fly” on the surface of the water over and over again, letting rest
on the surface of the water a few seconds at a time, in hopes that the fish
will jump up and grab it. This is what we are like, far too often: jumping to
the surface at fleeting pleasures which when caught only ensnare us.
Instead, God wants us to stay anchored to the bedrock at the bottom of the
ocean of the knowledge of His deep love for us. Staying anchored there
means we will not be so quick to swim to the surface out of a desire for
instant gratification, attempting to grab those fleeting pleasures which are
only there momentarily.
B. Because You Came Into the World With Nothing, and You’ll
Leave the Same Way (v. 7).
Backing up to the text in 1 Timothy 6 once more, the second reason why
we must be content as Christians is a rather simple one. You came into the
world with nothing, and you’ll end up leaving the same way. Job said it too,
in 1:21, didn’t he? Remember that famous line he spoke after losing
everything he owned, including all of his children?
“Naked I came from my mother’s womb, and naked I shall return there.
The Lord gave and the Lord has taken away. Blessed be the name of the
Lord.”
Jesus told a story once about a man who didn’t get this truth. And Jesus
introduced the story with these famous words: “Then he said, "Beware!
Guard against every kind of greed. Life is not measured by how much you
own" (Luke 12:15). The story Jesus went on to tell is also familiar to you. It
was the one about the man who was so bored in his discontent that he
decided he’d just tear down all his warehouses and build bigger ones in order
to sit back and enjoy life. Do you remember Jesus’ response to this man?
"But God said to him, 'You fool! You will die this very night. Then
who will get everything you worked for?' "Yes, a person is a fool
to store up earthly wealth but not have a rich relationship with
God" (Luke 12:20-21).
So how should this rich fool have lived? And how then should we live?
Paul ends verses 6-8 with the short quip that sums up the mindset of every
Christian here this morning. If you’ve got enough clothes to wear and
enough food to eat, you need to be content with that. This begs the
question, of course: “how much food and clothing is enough?” Simple. If
you’ve got clothes on today and you’ve eaten in the last 24 hours, you’re in
good shape and probably a good candidate for the biblical definition of
contentment.
If 1 Timothy 6:8 is one of the greatest and most practical ways you can
be content, then this will make it easy for you to get out of debt. Gospel-
driven contentment is the way out of debt. This simply means that you have
got to live within your means. In fact, to live like Jesus means to live below
your means, as much as possible. Become content with the basics when it
comes to food and clothing. It is not terribly financially difficult to eat food
that’s good for you on a low budget. It’s called oatmeal for breakfast,
sandwiches for lunch, and rice and beans for dinner. And it’s not difficult to
purchase fashionable clothes on a low budget. It’s called Goodwill and
Salvation Army thrift stores for clothes, furniture, and other needs.
Conclusion: The Message of the Gospel is the Real Hope for our
Economic Crisis, not the Message of Washington
In closing, this is truly the point to take home with you today. In a few
short days we will vote in a new president and vice president. The Christian
must stop thinking that Sarah Palin, as conservative as she is, isn’t “all that
and a bag of chips.” She’s NOT the answer to our economic crisis! We’ve
got to stop putting our hopes in Washington, acting as if life will all be better
if we get Sarah Palin in office with John McCain. Vice versa, Barack Obama’s
message of “Change” and “Hope” are not the biblical solutions of change
and hope that will actually change our nation and give us real hope. These
are empty political speeches designed to strike a chord with some people
who for the most part can’t even describe the chord that’s been hit.
Titus 2:11-13 tells us about the real hope for our country, our
churches, our families, and our personal lives.
For the grace of God has been revealed, bringing salvation to all
people. And we are instructed to turn from godless living and
sinful pleasures. We should live in this evil world with wisdom,
righteousness, and devotion to God, while we look forward with
hope to that wonderful day when the glory of our great God and
Savior, Jesus Christ, will be revealed.
My friends, you’ve all been freed from greed by the grace of God that
has appeared to you and saved you from this present world. The greed and
discontentment that seem to rule our lives has been crucified with Jesus,
with God Himself being given to us as the replacement for all our empty-
headed fickle desires and whims. This grace of God teaches us to turn from
godless living rooted in greed and pride and discontentment. It demands
that we turn from finding our pleasure in all of the things this lifestyle offers
us, and find it in the person of God. Wisdom, righteousness, and godliness
should mark our lives from this point forward. Looking forward to the Second
Coming of Jesus Christ, should fill our vision, and not the Second Coming of
Reaganomics!
Jesus Christ has been revealed once before as your all in all. Set your
mind on things above where He is seated at the place of authority beside
God. He is already the king over your checking account, your investments,
your 401K, your home loan, your job, your life! Let’s start acting like a King
lives with us by trusting that since He died for us He loves us enough to
provide for us all the lesser petty little things we enjoy so much. And if this
rules and guides our households and our checkbooks, then it will rule and
guide our local church. And if rules and guides our local churches, it will
change our city. And if it changes our cities, then it will change our state.
And when it changes our states, it will change our nation.