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Wayne Grudem explains what the Bible says about spending, saving and charity

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Bible study that hits the spot
Bible study that hits the spot

A practical lecture on money – spending, saving, charitable giving – from famous pastor Wayne Grudem.

I like the way that Wayne Grudem navigates the Bible finding the passages that tell you who God is, so that you can make better decisions by analyzing alternatives and choosing the one that gives your Boss a maximum return on investment. He’s very practical.

The MP3 file is here.

The PDF outline is here.

Spending:

  • Christianity does not teach asceticism (= don’t enjoy anything in this world), Paul condemns it in 1 Timothy 4:1-5
  • When you buy nice things, even if it is a little more expensive, it’s an opportunity to be thankful for nice things that God has provided
  • Even being rich is OK, but don’t let it make you haughty and arrogant, and don’t set your hopes on your money (see 1 Tim 6:17)
  • It is important for you to earn money, and you are supposed to use it to support yourself and be independent
  • It is possible to overspend and live recklessly (Luke 15:13) and it’s also possible to overspend and live too luxuriously
  • Increasing your income through career progression is wise, because it allows you to give away more and save more
  • God gives us freedom to decide how much we spend, how much we give away, and how much we save
  • every choice a Christian makes with money will give him or her more or less reward in his or her afterlife
  • Do not spend more than you have – you should make every effort to get out of debt as quickly as possible

Saving:

  • Saving money is wise so you can help yourself and others, and have money in your old age when you will not be working
  • If you do not save your own money, you end up being dependent on others (e.g. – family or taxpayers)
  • Not saving money for the future is a way of “putting God to the test” (Matt 4:7)
  • You are to “be dependent on no one”, to the extent that you can (1 Thes 4:12)
  • We don’t know the future, that’s why we should prepare for an emergency, and buy insurance to guard (James 4:13-17)
  • It’s right for us to learn how to save to be able to buy bigger assets, like a car or a college education
  • Saving and investing in stocks and bonds lets people in business start and grow companies, creating jobs and new products
  • Don’t over-save, trusting too much in money more than you trust in God (Ps 62.10; Matt 6:19,24; Luke 12:15-21)

Giving:

  • it is required for the people of God to give something out of what they earn, but no percentage is specified (Deut 26:12-13)
  • you do not give money to become right with God, you can’t earn your salvation
  • a Christian gives to show God that you trust him to take care of you, and to experience trusting him through your giving
  • the quality of your resurrection life with God is affected by giving you do for the Kingdom (Phil 4, Matt 6:19-21; 1 Tim 6:18-19)
  • when you get involved in the lives of others and give to them, you have the joy of experiencing caring for others (Acts 20:35)
  • it’s possible to give too little, but it’s also possible to give too much – be careful about pride creeping in as well

The first part of this lecture made me think of my treat for the week, which is to get a double chicken burrito bowl after my weight lifting. It is very easy to say grace when you are hovering over a double chicken burrito bowl. It is good to have nice things especially when it makes you thankful for what you have.

I was so happy listening to this talk because he was condemning bad stewardship, which I see in a lot of young people these days. I was happy until he got to the part about trusting in your savings for your security, and then I thought – that’s what I do wrong! I save a lot but it’s not just for emergencies and to share with others, like he was saying – I want a sense of security. This was more of a temptation in my 20s than it is now in my 30s, though.

Charity should hurt

I can remember being in my first full-time job as a newly hired junior programmer when the 2001 recession struck. I would cry while signing checks to support William Lane Craig’s Reasonable Faith ministry, because I was so scared. I had no family or friends where I lived to help me if anything went wrong, and that’s been the story of my working life. If anything goes wrong, there is no backup. But it’s that experience of crying when I gave that allows me to say today “that’s when I became the man I am, that’s what a man does when he is a follower of Jesus”. If you are not doing the actions of charity, then you will not having the experience of trusting God and letting him lead you. There is more to the Christian life than just saying the right things – you have to do the right things.

Don’t follow your heart

If you’re scared about giving when you are young, then do what I did in my 20s: work 70-hour weeks, get promoted often, and save everything you earn. I volunteered every Saturday for 9 months in order to get my first white-collar part-time job when I was still in high-school. The faster you increase your savings, the easier it’s going to be to take a genuine interest in caring for the people around you. Read Phil 1 (fellowship), Phil 2 (concern for others), and Phil 4 (charity). Turn off your emotions and desires when it comes to choosing what to study and what work to do, and put Philippians into practice. Your freedom to give is very much tied to the quality of your decisions of what to study, where to work, how much you spend on entertainment, and so on. That’s why you need to turn off your feelings and desires and do what works, even it it’s not fun, and even if it involves responsibilities, expectations and obligations.

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Two kinds of people who have tried to shame me away from Christianity

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A conflict of worldviews
A conflict of worldviews

In my last job, I had two interesting encounters, first with a secular Jewish leftist man and second with a New Age prosperity gospel feminist Christian woman.

So let’s talk about the two people.

The man who thinks that conservative Christians are stupid

The first kind of person who tried to shame me for being a Christian is the person who thinks that Christianity is stupid. This kind of person invokes things that he hears in secular leftist pop culture as if it is common knowledge that theism generally, and Christianity in particular, is false. He’s watched a documentary on the Discovery channel which said that the eternally oscillating cosmology was true. Or maybe he watched a documentary on the History Channel that said that Jesus never presented himself as God stepping into history. He presents these things that he reads in the New York Times, or sees on MSNBC or hears on NPR with the authority tone that Ben Carson might take when explaining modern medicine to a witch doctor.

Here is how things usually go with him:

  • Me: here are two arguments against naturalistic evolution, the origin of life and the Cambrian explosion.
  • Him: but you don’t believe in a young-Earth do you? I mean, you believe in evolution don’t you?
  • Me: let’s talk about how proteins and DNA is sequenced, and the sudden origin of Cambrian body plans
  • Him: (shouting) Do you believe in evolution? Do you believe in evolution?

And this:

  • Me: there hasn’t been any global warming for 18 years, and temperatures were warmer in the Medieval Warming Period
  • Him: but you don’t deny climate change, do you? everyone on NPR agrees that climate change is real
  • Me: let’s talk about the last 18 years of no warming, and the temperatures during the Medieval Warming Period
  • Him: (shouting) Do you believe in climate change? Do you believe in climate change?

He asks these questions so he can either label me as a nut, without having to weigh the evidence I’m presenting, or have me agree with him, without having to weigh the evidence I’m presenting. It’s all about ignoring the evidence, so he can get back to his busy, busy practical life – and get back to feeling smug about being smarter than others. I think a lot of men are like this – they don’t want to waste their valuable time studying, they just want to jump to the right conclusion, then get back to doing whatever they want – like running marathons, or driving their kids to hockey practice, etc.

So how do you respond to a man who gets his entire worldview from the culture, but never deals with peer-reviewed evidence? Well, I think you just defeat his arguments with evidence and then present your own (peer-reviewed) evidence, and then leave it at that. If the person just wants to jump to the conclusion that all the “smart” people hold to, without doing any of the work, then you can’t win. There are atheists out there who believe in the eternal oscillating universe they saw Carl Sagan talking about in their elementary school. You might try to argue for an origin of the universe by citing new evidence like the CMB and light element abundances. But sometimes, they won’t care. Carl Sagan said it 50 years ago, and that settles it. It doesn’t matter that the new evidence overturns the old theories, they don’t care.

Do you think that Christianity will make non-Christians like you?

Consider 2 Tim 4:1-5:

1 I charge you in the presence of God and of Christ Jesus, who is to judge the living and the dead, and by his appearing and his kingdom:

2 preach the word; be ready in season and out of season; reprove, rebuke, and exhort, with complete patience and teaching.

3 For the time is coming when people will not endure sound teaching, but having itching ears they will accumulate for themselves teachers to suit their own passions,

4 and will turn away from listening to the truth and wander off into myths.

5 As for you, always be sober-minded, endure suffering, do the work of an evangelist, fulfill your ministry.

And 1 Peter 3:15-16:

15 but in your hearts honor Christ the Lord as holy, always being prepared to make a defense to anyone who asks you for a reason for the hope that is in you; yet do it with gentleness and respect,

16 having a good conscience, so that, when you are slandered, those who revile your good behavior in Christ may be put to shame.

If you have orthodox theological beliefs in this day and age then you are going to be shamed, humiliated and reviled by people. And it’s not just having an orthodox view of who Jesus is that annoys them (e.g. – deity, exclusivity of salvation, morality, etc.). No, their disapproval spreads on into politics, especially abortion and gay marriage – basically any kind of rules around sexuality. That’s what’s really bugging these people, I think.

The woman who thinks Christianity is life-enhancement

This one is especially difficult when you are a young man, because we naturally look to women for approval and respect. You find yourself sitting in church or youth group, hoping for the approval and respect from the Christian women for your sound theology and effective apologetics. Little do you know that many Christian women understand Christianity as life-enhancement, designed to produce happy feelings. God is their cosmic butler whose main responsibility is to meet their needs and make their plans work out. Although you might be keen on sound theology and good apologetics arguments, she doesn’t think that’s important.

So how to deal with this unmet need for approval and respect from women in the church?

First thing, be careful that you don’t attend a church where the pastor in preaching and picking hymns that give you the idea that God is your cosmic butler. Second, read the Bible very carefully, and understand that with respect to God’s purposes for you in this world, your happiness is expendable. You cannot be looking to attractive Christian women that you happen to meet in church to support you, as many of them have long-since sold out to the culture. They are not interested in learning evidential apologetics to defend God’s reputation, or in defending the unborn, or in defending natural marriage, or in defending the free enterprise system that supports family autonomy from the state, etc. Those things are hard and unpopular, especially for those women who were raised to think that Christianity is about life enhancement and peer-approval.

Here’s 1 Cor 4:1-5 to make the point:

1 This is how one should regard us, as servants of Christ and stewards of the mysteries of God.

2 Moreover, it is required of stewards that they be found faithful.

3 But with me it is a very small thing that I should be judged by you or by any human court. In fact, I do not even judge myself.

4 For I am not aware of anything against myself, but I am not thereby acquitted. It is the Lord who judges me.

5 Therefore do not pronounce judgment before the time, before the Lord comes, who will bring to light the things now hidden in darkness and will disclose the purposes of the heart. Then each one will receive his commendation from God.

And 2 Tim 2:4:

4 No soldier gets entangled in civilian pursuits, since his aim is to please the one who enlisted him.

Or, since I like Ronald Speirs from Band of Brothers so much:

This is the situation in which we find ourselves, so get used to it. And believe me, I have to deal with this, too. So I have all the sympathy in the world for you. Resign yourself to the fact that no one is going to approve of you for being faithful to the gospel of Jesus Christ; not secular men, not Christian women. There is no cavalry coming to rescue you.

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Is asking “Am I going to Hell?” a good rebuttal to scientific arguments for theism?

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A conflict of worldviews
A conflict of worldviews

I want to use this woman’s story to show how sensible atheists reach a belief in God.

Excerpt:

I don’t know when I first became a skeptic. It must have been around age 4, when my mother found me arguing with another child at a birthday party: “But how do you know what the Bible says is true?” By age 11, my atheism was so widely known in my middle school that a Christian boy threatened to come to my house and “shoot all the atheists.” My Christian friends in high school avoided talking to me about religion because they anticipated that I would tear down their poorly constructed arguments. And I did.

As I set off in 2008 to begin my freshman year studying government at Harvard (whose motto is Veritas, “Truth”), I could never have expected the change that awaited me.

It was a brisk November when I met John Joseph Porter. Our conversations initially revolved around conservative politics, but soon gravitated toward religion. He wrote an essay for the Ichthus, Harvard’s Christian journal, defending God’s existence. I critiqued it. On campus, we’d argue into the wee hours; when apart, we’d take our arguments to e-mail. Never before had I met a Christian who could respond to my most basic philosophical questions: How does one understand the Bible’s contradictions? Could an omnipotent God make a stone he could not lift? What about the Euthyphro dilemma: Is something good because God declared it so, or does God merely identify the good? To someone like me, with no Christian background, resorting to an answer like “It takes faith” could only be intellectual cowardice. Joseph didn’t do that.

And he did something else: He prodded me on how inconsistent I was as an atheist who nonetheless believed in right and wrong as objective, universal categories. Defenseless, I decided to take a seminar on meta-ethics. After all, atheists had been developing ethical systems for 200-some years. In what I now see as providential, my atheist professor assigned a paper by C. S. Lewis that resolved the Euthyphro dilemma, declaring, “God is not merely good, but goodness; goodness is not merely divine, but God.”

Joseph also pushed me on the origins of the universe. I had always believed in the Big Bang. But I was blissfully unaware that the man who first proposed it, Georges Lemaître, was a Catholic priest. And I’d happily ignored the rabbit trail of a problem of what caused the Big Bang, and what caused that cause, and so on.

By Valentine’s Day, I began to believe in God. There was no intellectual shame in being a deist, after all, as I joined the respectable ranks of Thomas Jefferson and other Founding Fathers.

I wouldn’t stay a deist for long. A Catholic friend gave me J. Budziszewski’s book Ask Me Anything, which included the Christian teaching that “love is a commitment of the will to the true good of the other person.” This theme—of love as sacrifice for true good—struck me. The Cross no longer seemed a grotesque symbol of divine sadism, but a remarkable act of love. And Christianity began to look less strangely mythical and more cosmically beautiful.

So, I want to point out the progression of her beliefs from atheist to deist to Christian. First, she listened to the scientific arguments for God’s existence, which took her to deism, which is a variety of theism where God just creates the universe and then doesn’t interfere with it after. Those arguments, the Big Bang and the cosmic fine-tuning, were enough for her to falsify atheism and prove some sort of theism. After that, she remained open to the evidence for Christian theism, and finally got there after looking at other evidence.

But this makes me think of how some of the atheists that I talk to do the exact opposite of what she did. I start off by explaining to them scientific evidence for a Creator and Designer. I explain the mainstream discoveries that confirm an origin of the universe (e.g. – light element abundance predictions and observations), and I cite specific examples of fine-tuning, (e.g. – the gravitational constant). I explain protein sequencing and folding, and calculate the probabilities of getting a protein by chance. I explain the sudden origin of the phyla in the Cambrian explosion, and show why naturalistic explanations fail. I talk about the fine-tuning needed to get galaxies, solar systems and planets to support life. But many of these atheists don’t become deists like the honest atheist in the story. Why not?

Well, the reason why not is because they interrupt the stream of scientific evidence coming out of my mouth and they start to ask me questions that have nothing to do with what we can know through science. See, evangelism is like building a house. You have to start with the foundation, the walls, the plumbing, the electricity, etc., but you can’t know all the specific details about furniture and decorations at the beginning. But militant atheists don’t care that you are able to establish the foundations of Christian theism – they want to jump right to the very fine-grained details, and use that to justify not not building anything at all. Just as you are proving all the main planks of a theistic worldview with science, they start asking “am I going to Hell?” and telling you “God is immoral for killing Canaanite children”, etc. They want to stop the construction of the house by demanding that you build everything at once. But, it is much easier to accept miracles like the virgin birth if you have a God who created the universe first. The foundation comes first, it makes the later stuff easier to do.

So rather than adjust their worldview to the strong scientific evidence, and then leave the puzzling about Hell and Old Testament history for later, they want to refute the good scientific arguments with “Am I going to Hell?”. How does complaining about Hell and unanswered prayer a response to scientific evidence? It’s not! But I think that this does explain why atheists remain atheists in the face of all the scientific evidence against naturalism. They insulate their worldview from the progress of science by focusing on their emotional disappointment that they are not God and that God isn’t doing what they want him to do. That’s the real issue. Authority and autonomy. In my experience, they are usually not accountable to science, although there are, thank God, exceptions to that rule.