It' Only Money... And God's At That.

I don't know that anybody "likes" to talk about money when it comes ministry. However, there's no denying... we live in the real world with real dollars and real lives.

Yet, the culmination of these three dynamics makes for exciting radio, for those who listen to the Dave Ramsey show. If you missed yesterday's broadcast, a young couple, from Utah traveled to Ramsey's HQ in Tennessee to do their "debt-free" scream. The wife in her late 20's, the husband, 30, if I recall and their one year old daughter. And at the end of the call, Dave expounded on his reasoning, about how people change the financial aspect of their lives, it changes their family tree.

This couple had paid off $150,000 in less than two years, most of it being their home. Yes, they took a huge increase in income, based on the completion of an advanced medical degree, but still.

"There's no reason to make this kind of money and be financially burdened"

So, after the call, Dave does the math.

Average house payment of $2000. 40 years to retirement. Invested at a 12% annual return, you're talking $23 million and change. And if Dave is 90% wrong on the equation, that's still 2-3 million in the bank! Keep in mind, that's with zero change in income, no other retirement strategy, no 401k with employer match or anything.

Is it not God who gives the ability to produce wealth? Even the Good Samaritan was a man of some means. Who foots the medical bill in advance of the care for a stranger with a promise to pay any outstanding balance upon their return from a business trip?

Yet, many within the church are bound. Many more in ministry are likewise, bound. And the pressures and responsibilities bind our hands to give generously and our feet to travel one mile, let alone the second.

I get how hard it is. It's a daily choice. People in every walk of life within the congregation are struggling as are every level of pastor. And it's especially difficult for those pastors just starting out in ministry, like those finding their first pastorates working with kids and youth. What an incredible story to be able to share, as they prepare to discuss the realities of life with young people, how they are debt free and the difference it makes as to how they approach both life and ministry.

If you don't think there is power in this analogy, then consider this couple's daughter. She'll be 40 and her parents, 70. They will be taken care of and set, in their final years... perhaps full of life, with no excuse to say no, to what God might call them to do. Likewise, she will have a 40-year foundation of, making sound, wise financial decisions... with an incredible launch point as God prospers and blesses her parents. It's literally astounding to consider, even as I type this. And I can only pray the same for those in ministry who consider this a dream. It doesn't have to be that way.

Pray, this #youthPastorWednesday, that they would be inspired to live in freedom, in every realm, but especially financially. Pray God would give them creativity and discipline in their stewardship. May God honor the sacrifices they make, both for the long-term goals of their lives and for their ministry. Pray God would accomplish the miraculous, in this very real struggle and balance of life. May ministry and life not be hindered because of financial constraints.

That our indebtedness would exist
Only in relation to the Cross of Christ.
May we live in freedom and abundance
And give as Christ gave;
In extravagance and obedience.
For the glory of God and His grace alone.

- PNC