Money

Imagine the awful inconvenience of being declared dead by the United States Government. Consider this true story:

Susan and Darby Nye of Arlington, Virginia, have been married for 30 years and were looking forward to many more in retirement when Susan started receiving condolences from various federal agencies regarding the death of her husband. But there was one big problem: Darby was alive and well.

It started when Darby’s purchase at a pharmacy was declined. He called to find out why. “Well, they said the Social Security Administration has informed us that you are dead,” he said.

When someone dies, they’re supposed to be put on the Death Master File. The Social Security Administration uses the death data to terminate benefit payments and report deaths to other agencies. But one typo can mistakenly declare someone dead, digging a grave that buries them along with their finances.

Darby’s plight as a categorized deceased person is not singular: it is estimated that every year, some 12,200 U.S. citizens are declared dead by the Social Security Administration due to "keystroke errors." Those affected become like the walking dead, unable to secure a job, make financial transactions, file taxes, or visit the doctor, and for months on end, must endure the nightmare of convincing a large bureaucracy that they haven't yet bit the dust.

Possible Preaching Angle:
Being declared legally dead is a terrible inconvenience for people in our society. But being declared legally dead to sin is a tremendous blessing for believers that promises incredible freedom and hope.

Researchers find one in four people grapple with compulsive overspending during the holiday season. An overwhelming 56% of respondents feel pressured to spend money during the holidays, with family emerging as the primary source of financial strain.

More than 75% of respondents experience what researchers call “money wounds” — emotional difficulties stemming from financial challenges that cut to the core of personal well-being.

The study reveals that low self-esteem, compulsive overspending, and shame from past financial mistakes emerge as the most common “money wounds.” The financial stress takes a significant emotional toll. 68% of those experiencing money wounds report that these challenges hold them back from feeling fulfilled and successful.

Many of those with money wounds admit to avoiding their financial troubles during the holidays. This avoidance manifests in various ways: refrain from buying gifts (37%), declining party invitations (33%), and avoid checking their bank account balances (29%).

Perhaps most heartbreaking is the social isolation that follows. 42% of respondents say they’ll become distant from others to avoid experiencing spending pressure. This distancing comes at an emotional cost, with participants reporting feelings of shame, guilt, and loneliness.

There is a glimmer of hope. 61% of respondents are actively trying to embrace the philosophy that “money and spending don’t equal happiness.” However, the road to recovery is long. On average, respondents believe it takes six years for a money wound to heal. More sobering still, many don’t believe financial trauma ever completely resolves.

As the holiday season approaches, the serves as a powerful reminder of the emotional complexity behind financial stress, urging compassion, understanding, and support for those struggling with money-related challenges.

This holiday season, take a moment to ask yourself, “Does this person really want what I’m buying them?” A new survey finds the answer is likely no! Researchers have found that more than half of Americans (53%) will receive a gift they don’t want.

It turns out that everyday Americans are throwing away tons of money. According to a survey, unwanted presents will reach an all-time high in both volume and cost this year, with an estimated $10.1 billion being spent on gifts headed for the regifting pile.

Overall, the annual holiday spending forecast finds that roughly 140 million Americans will receive at least one unwanted present. Shockingly, one in 20 people expect to receive at least five gifts they won’t want to keep. The average cost of these unwanted items is expected to rise to $72 this holiday season, up from $66 last year. That represents a billion-dollar surge in wasteful holiday spending.

Saying “you shouldn’t have…” might be a more truthful statement than ever when it comes to certain gift ideas. Topping the unwanted gift list are:

Clothing and accessories (43%)
Household items (33%)
Cosmetics and fragrances (26%)
Technology gifts (25%)

So, what happens to all these well-intentioned but unwanted presents?

Regifting is the most popular solution (39%)
Return the item to the store to exchange for something else (32%)
Sell the unwanted gift (27%)

So, if you’re still looking for last-minute gifts this holiday season, choose wisely. There’s a very good chance the person you’re buying for won’t like your choices anyway.

Possible Preaching Angle:
You can use this story to remind people that the only gift that is universally appropriate in the gift of God’s Son. But in the same way, many people reject this costly gift as unnecessary and unwanted (John 1:11-12).

Budgets are a good thing, but they can also magnify stress, something about which Jesus spoke. Annabelle Williams wrote in the Wall Street Journal, “A little over six months ago, I took a big, adult step: I finally committed myself to budgeting. I’d always had a rough sense of my financial ins and outs, but balked at actually tracking spending.”

So instead of using a free budget app, she paid for one instead. She writes, “I thought paying for the app would guilt me into actually using it.”

“As it turns out, I was right. Having the app so close by has allowed me to stay on budget, watch my expenses and be more careful about my spending. I’m much more aware of how little things add up or what big things I can trim to make sure I’m in the black each month.”

“But in some ways, it has worked too well. I’ve been checking my budget app so often I’ve developed a new kind of financial stress, one that I’ve dubbed my “budgeting anxiety.” I find myself agonizing over every purchase, large or small. A $6 coffee—a luxury I allow myself on days when I go into the office—has become a source of stress rather than a comforting, occasional ritual to start the day. Instead of enjoying the coffee I think: ‘How will this affect my budget?’”

It’s doubtful that Jesus would ban budget apps, but He did tell us to “render unto Caesar,” and he told the religious leaders that they were right to tithe, so it would seem that having a plan is a good thing. But he counseled against the worry, fret and lack of trust in God to provide. We are to consider the lilies of the field, not obsessively worry about money.

By CEO standards, Bob Kierlin had modest needs. The co-founder of Fastenal, an international seller of nuts, bolts and other supplies for manufacturing and construction firms, took a salary of $120,000 a year at its peak in the 1990s, with no bonuses or stock options; that was less than some Fastenal store managers earned. He clipped grocery coupons, and bought some of his suits secondhand, for $60 apiece. On business trips, he stayed in discount motels and often shared a room with a colleague. He paid for his own meals on the road.

Kierlin wasn’t hurting financially: He had shares in the company worth hundreds of millions of dollars from his original stake. And the company’s board was willing to pay him far more. But Kierlin said he didn’t need it.

“I was born into a family that never had an awful lot of things,” he told The Wall Street Journal in 2002. “We just learned to live with what we had. I never felt I needed a lot of money.”

Kierlin, who died Feb. 10, 2025 at the age of 85, didn’t have a personal secretary or even his own parking place outside the drab concrete head office in his hometown of Winona, Minn. Much of the furniture inside that headquarters was used.

A new survey from Bankrate.com found that 40% of adults in the U.S. with a live-in partner have committed financial infidelity. Younger generations were more likely to keep money secrets: 67% of Gen Zers said they have confessed at least one instance of financial infidelity, followed by Millennials at 54%.

What sort of things are they hiding? 33% are spending more than their spouse or partner would be cool with, and 23% have racked up debt that their partner has no knowledge of. Others keep secret credit or savings accounts.

Avigail Lev, director at Bay Area Cognitive Behavioral Therapy says, “Choosing to be private about where and how you spend your money is just privacy. (But) having agreements with your partner about how you use money and hiding it on purpose, lying or deceiving, that’s financial infidelity.”

Money is one of the leading causes of divorce, yet often couples still struggle to communicate openly about finances. CPA Melisssa Pavone says, “Many couples never unpack their financial history and beliefs, leading to misunderstandings and resentment. Without open dialogue, secrets fester and financial infidelity can erode trust — just like physical infidelity.”

Why would someone who loves you deeply be dishonest about money? CPA Emily Luk says, “Sometimes it’s about guilt or fear — worrying that their partner won’t approve of a certain purchase, or that an old financial mistake might scare them off. Other times, it’s a way to avoid conflict or keep the peace. They might think it’s easier to conceal credit card statements than to have a tough conversation."

There can be differences in couples' money personalities and values: One is a spender, the other a saver. But money can also take the form of power, control, safety, past financial trauma, or even a mental health issue, substance use, or gambling disorder.

“You won’t believe what I got from Shein for only $100!” The video opens with an influencer flashing perfectly manicured nails and a box bursting with clothes, accessories, and things no one actually needs.

Within minutes, thousands of comments flood in: “I need this!” “Adding to cart.” It’s consumerism served piping hot to millions of impressionable viewers who didn’t know they needed a $9 glitter bucket hat until five seconds ago.

Consumerism is the temptation we just can’t shake. Platforms like Instagram and TikTok have turned buying stuff into a sport. This “haul culture” isn’t just harmless fun. It feeds the idea that more is always better and that your worth is tied to what you own. Haul videos like this are the poster children for a culture of overconsumption.

But while the world’s social media feeds scream “More, more, more!” the Gospel quietly calls for something radically countercultural: stewardship.

Possible Preaching Angle: Stewardship isn’t just about protecting the planet. It’s about managing every resource—time, money, relationships, possessions—in ways that honor God (Gen. 2:15). When our shopping carts (digital or otherwise) are overflowing with things we don’t need and can’t afford, we’ve veered off course. And when our closets look like a Forever 21 warehouse but our tithing is nonexistent? It’s time for a heart check. The issue isn’t, “Can I afford this?” It’s about remembering that everything we have—our paycheck, our possessions, our very breath—is on loan from God. When we buy mindlessly or hoard resources, we’re not just being careless. We’re saying we trust in “stuff” to bring satisfaction instead of trusting in the One who provides all we need.

Tarryn Pitt loves scouring thrift shops for treasures, from vintage canning jars to velveteen armchairs. “I’ve been thrifting my whole life — it’s one of my favorite things to do, at least once or twice a week,” she said. “Pretty much all of my home decor came from a thrift store.”

She was browsing in secondhand stores where she lives in Prineville, Oregon, when she got an idea about her upcoming wedding. The average cost of a wedding in the United States is about $33,000 — an amount she said she found extravagant and also created a lot of environmental waste.

“I wanted something that was unique and fit my personality,” said Pitt, 25. “A thrift store wedding dinner seemed like the perfect answer.”

She and her fiancé, Holt Porfily, are inviting 307 guests to their outdoor mountain wedding in Sisters, Oregon. All of the wedding tableware and decorations at the outdoor meal will be thrifted.

“It’s honestly not just about saving money for us, though,” Pitt said. “What we’re doing is super sustainable, and I love giving old things new life.”

So far, she said, she has spent less than $2,000 on her wedding dinnerware and decorations, about half of what she priced out to rent similar items.

In late December, she posted a TikTok video of some of the plates she had found during one of her thrift shop excursions. Pitt said she was shocked when the video received more than 3.6 million views and 2,200 comments.

Pitt said the response has been so positive that she now plans to keep only a few plates after the wedding, and she hopes to rent the rest to other interested brides and grooms. She said she will keep the price low for obvious reasons.

Is it morally wrong to be “filthy rich”? Researchers at the University of Southern California and the University of Massachusetts Amherst examined how people across 20 countries judge excessive wealth. People in wealthier, more equal societies are actually more likely to view having too much money as morally wrong compared to those living in poorer, more unequal countries.

The research involved over 4,300 participants from nations as diverse as Belgium, Nigeria, Switzerland, and Peru. While you might expect people in struggling economies to resent the ultra-rich more, the opposite appears to be true.

The study found that people do not find excessive wealth very immoral across all countries. But more equal and wealthy societies like Belgium and Switzerland consider having too much money more wrong than less equal societies.

This suggests that when basic needs are met and inequality is lower, people become more sensitive to the potential harm caused by concentrated extreme wealth. Meanwhile, in developing nations where billionaires might represent hope for economic advancement, excessive wealth is viewed more favorably.

The researchers reference a 2023 statement by Elon Musk, currently the world’s richest person, who said it’s morally wrong to use the word “billionaire” as an insult if the individual uses their wealth to create products making millions of people happy. This perspective aligns with Western thinking that prioritizes happiness maximization as a moral good.

The luxury of moral criticism of excess may be more affordable for wealthier communities. Meanwhile, in developing nations, billionaires might represent aspiration rather than moral failure.

Possible Preaching Angle: Money; Money, love of; Wealth – The Bible does not condemn wealth, as such, since Abraham, Job, and Solomon, among others, were very wealthy individuals. The Bible does warn about the love of money (1 Tim. 6:10), the oppression of the poor, and making money ones security (Matt. 6:19)

You may think you have the worst job in America—but are you always on call and facing a deadline, working in a high-stress environment, all for very little pay? Do you routinely work outdoors on the hottest and coldest days of the year? Does your work constantly put you at risk of severe injury or death? Is there no opportunity for skill development? If not, you probably don't have one of the worst jobs."

Using a complex algorithm that measures salary, job outlook, work environment, and stress (like the stress of slicing your hand off, being kicked by a cow, or getting crushed by a falling pine tree), they ranked the jobs from best to worst.

Here are some of non-dream jobs that were on the list of the lowest-ranked jobs in America:

#15 - Butcher

#14 - Coal miner

#13 - Janitor

#12 - Dishwasher

#11 - Roofer

#10 - Meter Reader

#09 - Dairy Farmer

#08 - Oil Rig Worker

#07 - Security Guard

#06 - Lumberjack

#05 - Telemarketer

The four worst jobs in the US in 2024, ranked in descending order #4 to #1:

#04 - Waiter

#03 - Hospital Orderlies

#02 - Welder

#01 - Assembly worker

Possible Preaching Angles:

Work; Vocation; Career — (1) Start a sermon or sermon series on work by using this illustration to stress that all jobs have challenges, but some jobs have more challenges than others. (2) Talk about finding dignity and satisfaction in our jobs even if they aren't glamorous, since most of us aren't in the top-ranked jobs. (3) Be thankful for your job and grateful for people who provide services we need. After all, you probably don't have to worry about a tree falling on you.

A reporter for Business Insider writes:

Recently, my family group chat buzzed when I asked if we should say "please" and "thank you" to ChatGPT when making requests. My mother, always polite, insisted on using manners with AI to "keep myself human."

As AI like ChatGPT becomes part of daily life, our interactions with these tools are shaping new social norms. Digital etiquette expert Elaine Swann notes that, just as we've adapted to new technology—like knowing not to take phone calls on speaker in public—we're still figuring out how to treat AI bots.

Kelsey Vlamis, another Business Insider reporter, noticed this shift personally. While vacationing in Italy, her husband had to stop himself from interrupting their tour guide with rapid-fire questions, realizing that’s how he interacts with ChatGPT but not with people. "That is not, in fact, how we talk to human beings," Vlamis said.

Swann emphasizes that maintaining respect in all interactions—human or digital—is important. After OpenAI CEO Sam Altman revealed on X that it costs "tens of millions of dollars" to process polite phrases like "please" and "thank you" sent to ChatGPT, Swann argued that it’s up to companies to make this more efficient, not for users to drop politeness.

"This is the world that we create for ourselves," Swann said. "And AI should also understand that this is how we speak to one another, because we're teaching it to give that back to us."

Altman, for his part, believes the expense is justified, saying the money spent on polite requests to ChatGPT is money "well spent."

As we navigate this new era, how we interact with AI may shape not just our technology, but our humanity as well.

Possible Preaching Angle:

This story about politeness toward AI can be used to illustrate several Biblical themes, such as human dignity, respectful communication, and ethical responsibility. 1) Kindness – Making kindness a habit reflects the nature of God (Eph. 4:32); 2) Human nature – The mother’s desire to “keep myself human” through politeness reflects the imperative of Col. 3:12 “Clothe yourself with compassion, kindness, humility, gentleness, and patience.” 3) Respect for others - The husband’s struggle to avoid ChatGPT-style interruptions with his tour guide highlights the tension between efficiency and humility (Phil. 2:3-4).

If you have money problems, maybe you need to hire a “financial therapist.” A recent Wall Street Journal article states:

Do you worry a lot about higher food and gas bills? Fight with your spouse over spending splurges? Fear you’ll outlive your savings? Some people seek to ease such money anxieties by hiring a financial therapist.

Many Americans are worried about their personal finances. In a survey of about 3,000 U.S. adults conducted in October 2024 by Fidelity Investments, more than one-third of respondents said they were in “worse financial shape” than in the previous year. Some 55% of those respondents blamed inflation and cost-of-living increases.

Similarly, 52% of 2,365 Americans polled for Bankrate.com said money negatively affected their mental health in 2023. That is 10 percentage points higher than in 2022. Financially anxious and stressed individuals are less likely to plan for retirement, prior research has concluded.

The goal of financial therapists ultimately is to help people make good financial decisions. This is typically done by raising their clients’ awareness of how their emotions and unconscious beliefs have affected their sometimes messy experiences with money.

Needs for such help often arise following a job loss, bankruptcy, or marital partner’s financial infidelity—when one spouse hides or misrepresents financial information from the other. Even something seemingly positive, such as getting a big inheritance or winning a lottery, can cause financial anxiety.

“Folks are craving help with financial well-being,’’ says the president of the Financial Therapy Association.

Elevated stress is draining young Americans’ wallets as “doom spending” becomes their go-to coping mechanism.

According to a recent study from Intuit Credit Karma, 60% of Americans are feeling anxious about the state of the world, particularly over the cost of living and inflation. With these concerns taking a toll on mental health, 27% of Americans admit they’re “doom spending” — spending more money despite financial worries. This trend is especially popular among Gen Z (37%) and millennials (39%), with one in four sharing that spending helps them cope with anxiety, stress, and uncertainty.

What’s behind the current spike in this trend? Constant online negativity. More than half of Gen Z (53%) and millennials (49%) say the steady stream of bad news on social media drives them to spend more to relieve stress.

Nearly half (44%) of Americans reported feeling pessimistic about their financial future, and a substantial portion of young people are forgoing savings entirely. This has left many young adults seeing core financial goals, like paying off debt or saving to upgrade their living situation, as far out of reach.

For Christians, financial expert Art Rainer suggests that reprioritizing money is a key place to start:

So, where do we get it wrong? We’re putting our hope for security, our hope for a better future, a hope for a sense of satisfaction and contentment on money. And it gets us into a lot of financial trouble. We get into cycles of discontentment and dissatisfaction. And then of course, we continue to try to get more. And it just never works out. Money in and of itself is not a bad thing. We can use those things for God’s purpose and for His glory.

They're colorful, valuable, and make the most delightful noise shaking around in their box … and to the trained criminal eye, they glitter nearly as valuably as uncut diamonds. What are they? Humble Lego sets.

Recently, thieves have begun targeting Lego sets as (relatively) high value and nearly untraceable goods. Why? The brick toys are in massive demand, can be instantly resold, command high prices for hard to find or mint condition sets, and are extremely difficult to track as stolen goods. Over the years, Lego sets have become more elaborate — for example, Lego recently released a kit of the Millennium Falcon, comprising 7,541 pieces and, notably, retailing for $849.95. An unopened Lego Star Wars Cloud City set from 2023 will set you back $7,000.

A Lego crime ring was recently busted in southern California where police said they found 2,800 boxes of Lego, with individual values ranging from $20 to “well over” $1,000. They included Star Wars, Harry Potter, and Marvel sets. In similar recent cases thieves smashed their way into stores and made off with around $100,000 worth of Lego kits.

“Ten years ago, I just couldn’t have imagined it — I did not think our little hobby was the kind of thing that would attract that kind of crime,” said Graham E. Hancock, editor of Blocks, an enthusiast magazine.

Possible Preaching Angles:

1) Value - It's a fascinating case study in value—sometimes the easily overlooked things right under our noses are more interesting or valuable than we think; 2) Greed; Temptation – The sinful desire for wealth can lead to sin, destruction, and judgment; 3) Meaning; Purpose - The Bible often speaks of the emptiness of material possessions and the search for true meaning and purpose in life. People’s obsession with Lego sets might reflect a deeper longing for something more.

Most tithing Protestants still prefer a physical collection plate to a digital one. A Lifeway Research survey of 1,002 American Protestants found that since the pandemic, more people are giving online—but still not most. Today, only 7 percent of those who tithe use a church smartphone app. Only 8 percent have set up automated bank payments.

Preferred Mode of Tithing:

62% Only cash or check

36% At least one form of electronic giving

02% Don’t know

Imagine a savvy organization that does a leveraged buyout and buys a company, and the company is losing money. It's awash in red ink. What does the company do? The takeover buyer knows that this company that it's bought is just full of incompetent management. Management stinks from top to bottom.

So, what do you do? Fire them all? Block them out? Put in new people? Is that illegal? No, the buyers have that right. Is that impractical? No, they have the power. It's smart.

In the biblical story God comes to us. Because he's powerful, he's got the right to blot us out. Why? Because look at the world. It's incompetent. Morally incompetent from top to bottom. He's got the power, so it's not impractical. He's got the holiness. He's got the right, but thank goodness he's also got the mercy, because if he was just powerful and holy, he would do what any good company would do who has just bought out another company that's incompetent. Every head rolls. Fire them all! They have the right; they have the power. It's the smart thing to do. But God's also merciful, so he will restore us. He will redeem us. He'll cut the head off of our sin instead of cutting the head off of our bodies and that's the reason…the hymnwriter said, “for his mercies endure, ever faithful, ever sure.”

An article in The Wall Street Journal had an interesting title: “The Little Sins We Commit at Work—and the Bosses Who Are Cracking Down.” Here’s how the article started:

Ever used the office printer for your kid’s homework assignment or scrolled Facebook Marketplace during an all-hands Zoom meeting? Fair warning: Your employer may be paying close attention.

Big companies on the hunt for efficiency are deploying perk police to bust employees for seemingly minor infractions that, by the letter of company law, can result in termination. “We have had lots of requests for new controls,” says Katie MacKillop, U.S. director of Payhawk, which administers company credit-card accounts and watches for misuse.

Clients are asking Payhawk to restrict when and where company cards work. For example, a company can limit a lunch allowance to be available only on weekdays from 11 a.m. to 2 p.m. and be usable at Chipotle but not at Kroger. In partnership with Visa and Mastercard, Payhawk is developing a feature that sends real-time spending alerts to corporate finance teams and allows them to instantly block suspicious transactions by employees.

MacKillop’s firm doesn’t track what happens to employees who violate company policies, but she says there is little doubt employers are taking codes of conduct more seriously.

Possible Preaching Angle:

Of course, in the Bible, there is no such thing as “little sins.” Every sin is a transgression against the holiness of God.

The hottest travel amenity is getting your time back—because we all hate to wait!

In November 2024, Walt Disney World began piloting a new paid service that allows visitors to the Florida resort’s four theme parks to bypass regular lines for popular attractions. Vail Resorts introduced a gear membership program meant to let skiers skip rental lines. More hotels are charging for perks like early check-in.

About half of the more than 650 theme parks, zoos, aquariums, monuments and observation decks surveyed by the travel-research firm Arival offered skip-the-line or VIP access tickets in 2024. Of those not offering these options, 18% said they would introduce similar access in 2025.

The trend highlights how cost and comfort are becoming more intermingled for travelers, especially those hitting crowded destinations. And how those with tighter budgets risk ending up worse off.

These offers are often aimed at families. Rochelle Marcus, a stay-at-home mom in Oxford, N.C., says parents have extra incentive to pay up for a pass during school breaks, when crowds are larger. “That way everyone’s not tired, cranky, and grumpy at the end of the day,” she says. And as someone else in the article concluded: “Life is too short to be spent waiting in line all the time.”

Possible Preaching Angles:

You can approach this illustration from two angles: 1) Impatience; Waiting – This shows the negative side of human nature that is impatient and wants favorable status. This status is gained by payment. 2) Advocate; Invitation; Rights - The positive side is that we have an advocate who gifted us with priority access to the Father (Eph. 3:12; Heb. 4:14-16). This status is all due to God’s grace. You cannot buy your way into access with God.

Read through the Bible and you will find a positive attitude about having and raising children. Attitudes among our culture today are trending in the opposite direction due to attitudes about careers and individualism as cited by the authors of the book, "What Are Children For?"

Having children is but another possible project, with its own emotional experiences, social obligations, and financial responsibilities. According to a 2023 Pew Research report, only 26 percent of Americans today say having children is important for living a fulfilling life. Whereas 71 percent consider “having a job or career they enjoy to be essential and 61 percent say the same for “having close friends.” As the demographers found in an overview of the forces affecting fertility patterns today.

Increasingly, people justified childbearing in terms of its impact on their personal well-being, satisfaction, and happiness.” When children are seen in this light, it’s understandable that many people, certainly those whose lives feel uncertain and precarious, dread giving up their time, energy, resources, highest ambitions, and—perhaps above all—freedom to the task of raising another human being. When you compare having children—a resource guzzling enterprise that comes with no guarantee of mental or material satisfaction—to all those other possible attractive ends, how could it ever measure up?

Editor’s Note: When using this illustration, let’s be mindful of the single women who long to be married, but are not yet, and the husbands and wives who would love to have children but have not been able to conceive and those who have lost children through miscarriage.