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Years ago, one of the world's richest men, John D. Rockefeller, was asked, "How much money is enough?" He famously answered, "Just a little bit more."

American culture and certainly its economy are built on that principle: you need more than you've got. You need to earn more. You need to spend more to accumulate more and better stuff.

Church leaders recognize the deeper issues here, financial and spiritual. To take financial issues first, experts these days are attributing current economic difficulties to a number of things: bad mortgage lending practices, lack of regulatory oversight, and globalized market structures. Economic conditions are complicated and grim.

I'm reminded of the assessment of Alfred Kahn, Jimmy Carter's outspoken inflation-fighting czar in another financially troubled time, who said, "Anybody who isn't schizophrenic these days just isn't thinking clearly."

As I talked with church leaders about the financial issues they're dealing with, the word that kept coming up was debt. How to help people get out of debt. How to encourage generosity from people in debt. How much debt the church should assume.

One pastor pointed me to Proverbs 22:7. "The borrower is the slave of the lender." When you borrow money, it obligates you to work for someone else, giving them your earnings until the debt is paid off. If you want freedom, you've got to get out of debt.

This strikes close to home for me.

My grandfather 13 generations back, John Shelley, was about 20 years old when he came to a fairly new settlement called Jamestown in the year 1623. He couldn't afford the voyage to the New World. So he went into debt, becoming an indentured servant, essentially a slave who could earn his freedom after seven years of work.

Indentured to a landowner named Edward Blaney, John had to work in Blaney's tobacco fields and survive malaria, starvation, and occasional Indian attacks. After seven years, however, he gained his freedom and a few acres of land in Virginia.

I'm sure he celebrated the day he worked off his debt and was able to work his own land rather than Edward Blaney's. Debt served its purpose. It got him to the New World, but he worked diligently to be free of that debt.

Another financial issue that church leaders raised is "prudent vs. carefree." One one hand, the Bible says, "In the house of the wise are stores of choice food and oil, but a foolish man devours all he has" (Prov. 21:20). Another translation puts it this way: "Fools spend whatever they get."

And "Wealth gained hastily will dwindle, but whoever gathers little by little will increase it" (Prov. 13:11). That's prudence—making decisions based on their long-term consequences.

On the other hand, Jesus is clear: "Do not worry about your life, what you will eat, what you will drink; or about your body, what you will wear. ...

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Marshall Shelley is editor of Leadership Journal and an editorial vice-president of Christianity Today.

Related Topics:BudgetBudgetingFinancesGivingResourcesTithing
From Issue:Money, Spring 2013 | Posted: April 15, 2013

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April 22, 2013  9:22pm

More, please!

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April 18, 2013  9:33am

Great article.

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April 16, 2013  8:44pm

Thanks for sharing, Marshall. This has been the teaching of Crown Financial Ministries and others for many years. I am thrilled that many in the church and especially many pastors are waking up to this essential connection. Jesus said in Luke 16:11, If you have not been faithful with the unrighteous mammon of this world, who will entrust the true riches of the Kingdom to you?

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