Tag Archives: Money

Mentoring

Tad Hopp accumulates six figures of college debt, wants taxpayer bailout

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From: theawkwardyeti.com
From: theawkwardyeti.com

Here’s an interesting editorial from a “Christian” left blog. (H/T Acton Institute via Lindsay)

The author, Tad Hopp is graduating a PCUSA seminary – an extremely liberal, left-wing denomination.

He writes:

I graduated college in 2007.

[…] I majored in English, not exactly what most people consider a ‘marketable’ or ‘practical’ degree…

[…]I went to a somewhat expensive private school…

[…]I did what many students in their last year of high school do: I went to the school where I felt I was being called…

[…]I do not regret my four years at my undergraduate institution one bit.

[….]When I graduated college, I owed nearly $50,000 in student loan debt and was unemployed for almost six months before I finally found a low-paying office job.

[…]“Can’t find a job? Well, you should have majored in something more ‘practical’, like economics or business or medicine.” Yeah, that would be great…if those were the subjects where my skills and passions lie. They’re not.

[…]I felt called to go to seminary.

[…]I will graduate seminary with close to six figures worth of student loan debt.

Let’s take stock of what he’s said so far:

  • he studied English, a language that he already spoke, which has one of the lowest employment rates
  • he was warned by people who knew something about earning and saving money not to study English
  • he went to a school he couldn’t afford to go to, and he graduated with $50,000 in debt
  • he went to seminary, another subject that doesn’t pay, and added another $50,000 or so of debt
  • he says that he doesn’t have to study subjects that lead to a career because he isn’t “passionate” about them
  • he “followed his heart” by going to the school that he had mystical, emotional, intuitions about = “calling”

My advice to Tad at this point would be for him to take the Bible seriously when it says this:

2 Thessalonians 3:10:

10 For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either.

And 1 Timothy 5:8:

8 But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.

Now, for a Bible-believing Christian, these are inerrant and cannot be denied. But we have to go outside the Bible and learn how the world really works in order to figure out how to achieve those stated goals. Why should anyone hire us? What is working really about?

But even before looking at economics, Tad needs to push away all his friends who tell him to “follow his heart” and stick close by his friends who understand economics, who have jobs already, who have savings already, and so on. Don’t look for advice from dreamers, you look to advice from doers – people who can read the times, run the numbers and who have demonstrated the ability to create plans that work to achieve results that please God. When it comes to planning about the future, look at the past accomplishments. Weaving a happy narrative sounds nice, but judge future predictions based on past performance.

I would recommend that Tad read an economist like Thomas Sowell, especially on work, prices, etc., and realize that work means providing value to others. It then follows that he is obligated by the Bible to NOT “follow his heart”, but to instead do something that offers value to his fellow man. Prices are a way of determining what is most valued by your fellow man. And we know what careers have the highest value:

Petroleum Engineering – Starting Salary: $103,000 / Mid-Career Salary: $160,000
Actuarial Mathematics – Starting Salary: $58,700 / Mid-Career Salary: $120,000
Nuclear Engineering – Starting Salary: $67,600 / Mid-Career Salary: $117,000
Chemical Engineering – Starting Salary: $68,200 / Mid-Career Salary: $115,000
Aerospace Engineering – Starting Salary: $62,800 / Mid-Career Salary: $109,000
Electrical Engineering – Starting Salary: $64,300 / Mid-Career Salary: $106,000
Computer Engineering – Starting Salary: $65,300 / Mid-Career Salary: $106,000
Computer Science – Starting Salary: $59,800 / Mid-Career Salary: $102,000
Physics – Starting Salary: $53,100 / Mid-Career Salary: $101,000
Mechanical Engineering – Starting Salary: $60,900 / Mid-Career Salary: $99,700

English and seminary are dead last on the list – he literally could not have chosen worse than he did. I don’t mind if a woman studies these things, but Tad is a man – he has the Biblical obligation to be the primary provider, as we saw in the verse above.

More Tad:

Is the PCUSA doing anything to address this crisis?

[…]What has our government done to address this issue?

[…]I, like so many in my generation, voted for Obama…

[…]It seems to me that we’ve bought into the lie that student loan debt is brought on by the individual person…

[…]You know what I think might stimulate the economy? Automatically cancelling every single outstanding student loan!

[…]If we can spend $640 billion dollars on defense spending, why can’t we find the money to better support public education?

It’s important to understand that an English degree and a seminary degree do not prepare a person to make statements on economics and government. Tad has never studied these things, has no experience in them. He cannot state what the impact of his suggestions would be to all groups, i.e. – he cannot answer “and then what happens?” for every impacted group. Thinking economically is a valuable skill, but as Tad’s personal life shows, it’s not an area he is really knowledgeable about. But he wants to shift money from defense spending (which he knows nothing about) so that he can have a personal bailout. I personally doubt that taxpayers would be better served by paying for his English degree and liberal seminary degree than they would be if a peace-loving democracy could project power abroad to deter aggression from countries like North Korea, Iran, Russia, China and Syria.

Here is the solution to Tad’s problems:

  • we need to put Tad to work in a minimum wage job and confiscate his entire salary, until his loans are paid off.
  • we need to put Tad on a watch list such that he is never allowed to borrow money from anyone ever again.
  • once Tad’s loans are paid off, he should be taxed on his future earnings at the top tax rate for the rest of his life. The money we tax from him can fund education – that’s what he said he wanted.
  • Tad and his household should all be barred from collecting any money for unemployment, welfare or other social programs.

That’s the only bailout Tad should get. It would actually be in his best interest that he encounter real life as quickly as possible, because the longer he waits, the harder it’s going to be for him to recover to independence. He needs to stop his crazy retreat from adult responsibilities, and start working and saving now. I would say that at this point, marriage and parenting is out of the question for him (in another post, he comes out as gay, so that also complicates things). And he can thank the politics of the secular left for marriage and family being less affordable now, thanks to laws like Obamacare, which raised the cost of health care by thousands of dollars. I found it interesting that he actually did work at some point but he mocked the job as a “dead-end job” – as if it was beneath him.

I know some of you will be thinking, “but God called him things and so of course God is going to bail him out with $100,000 for his student loans”. But the thing is, God doesn’t usually work like that. First, I don’t accept that he is a Christian at all. Second, just because you have feelings that your plan will work, that isn’t a calling. The truth is that you certainly can assess the feasibility of things that you feel “called” to do, and if the plan looks crazy, then don’t do it. If you find yourself at odds with wise, practical people when explaining your calling to them, then you’re probably doing it wrong.

Mentoring

Lydia McGrew: we need an army of tentmaking Christians

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Lydia McGrew has a post up at What’s Wrong With the World blog that is just excellent.

Excerpt:

Apologetics is wonderful and incredibly important. It’s a wonderful thing that a revival of specifically evidentialist apologetics is happening in the United States and even, to some extent, in the Anglophone world at large.

Unfortunately, this revival of interest in apologetics and in being Christian philosophers is coming at a very bad time, economically. Even if you are a genius, your chances in 2013 and following of getting a stable job by the route of going to graduate school in philosophy (or almost any area of the humanities) are pretty darned slim. If you’re not a genius, fuhgetaboutit. Nor were there ever all that many jobs in philosophy. It was always an iffy proposition, but it’s much worse now than it was even twenty years ago.

As for starting ministries, a poor economy makes it extremely hard to do that, too, because people don’t have as much disposable income to donate. Moreover, even in a more robust economy, if all the eager young apologists were to flock to start apologetics and/or campus ministries, they would be competing among themselves for a finite number of available dollars from donors. So that’s not the best idea either.

Let me speak very bluntly here: In my opinion, God doesn’t need a whole raft of impractical idealists out there getting themselves into debt or half starving (or really starving) with no idea of how in the world they are ever going to support even themselves, much less a family, out at the other end of their education. That just burdens the church with a large number of able-bodied but needy Christians who are in a seemingly unending stage of transition, “getting an education for the kingdom” or “hoping to do work for the kingdom” without a viable plan in mind or any fiscal light at the end of the tunnel.

Instead, I believe that we need an army of tentmakers. If you have a job or a marketable skill, for heaven’s sake (literally), don’t quit that job and join the ranks of starving students. Keep your day job, but enrich your mind and prepare yourself to answer people’s questions about Christianity by studying on your own time. If you have entrepreneurial abilities and the capital, start a business. That will support not only yourself but others you employ, and if successful, you will have more money to give to Christian ministries.

But even if you aren’t the entrepreneurial type or don’t have that opportunity, at least make sure (to the extent that one can in today’s world) that you can pay the rent and put food on your own table as well as supporting whatever number of additional people you plan to take on. (In other words, if you are a guy who would like to get married and have children, bear that in mind.) This will inevitably mean spending time at all that distasteful stuff like networking and making a resume. Bookish types don’t enjoy that stuff, because it seems bogus, but it can’t be helped. It will undoubtedly mean, for most people, not being full-time students beyond the undergraduate level, especially not in the humanities, not trying to become full-time academics as a life work, and not going into full-time ministry, even if you would ideally like to do one or more of those three things.

In the end, if we can have this army of tentmakers, there will be (Lord willing) money to allow some people to work in full-time ministry. But it’s going to be quite a small proportion of those who are interested or would ideally like to do so.

[…]Inevitably, the course of action I am suggesting will mean a bifurcation for many between their day job and what they are most passionately interested in. So be it. Indeed, so it has ever been in the world. What proportion of people at any moment in human history have been blessed enough to spend most of their time working on what they are most passionately interested in? The question answers itself. So I think that bifurcation has to be accepted by a great many people and that doing so will lead to what I might call a healthier “Christian economy” among committed Christians than what we could otherwise end up with.

So let’s see her advice in bullet-point form:

  • The job market for philosophers is very bad
  • A bad economy means less support money is available
  • It’s important to have a plan to fund your  ministry
  • Leverage your full-time job to fund your ministry

I often find that when I talk to Christians, there is this sort of hyper-spiritualized way of deciding what to do, and I’ve written about this in one of my favorite posts. Hyper-spiritual Christians read the Bible, which is good, but then they don’t tend to also look at practical things like economics, science and public policy when making their decisions. The Bible doesn’t say much about what to study or what job to get, but there is an example of Paul working at tent-making in order to fund his ministry. So there is precedent for the idea of learning a trade and working to earn enough money to support our families, our ministry and even other people’s ministries. I think we have an obligation to take the Bible seriously when it tells us what we can do to please God, but coming up with a plan to please God most effectively is our job. We have to make the plans to serve God. Our plans must be within the bounds of Biblical morality, but they should also reflect our knowledge of how the world really works, too. We’ll be more successful with a good plan and some hard work.

Be sure and listen to the podcast by J. Warner Wallace on this issue, and read my comments too (same post).

News

J. Warner Wallace: practical advice on becoming an effective one-dollar apologist

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Below is my summary of an episode of J. Warner Wallace’s Please Convince Me podcast, which I really liked, and my comments.

Details:

J. Warner continues examining the Christian life in light of God’s desire for all of us to become Christian Case Makers. Jim reads listener email highlighting some of the typical frustrations involved in starting an apologetics ministry and then provides a template to help you become the Case Maker you’ve always wanted to be. Jim also answers the question: Why Didn’t Jesus Reveal Scientific Facts to Demonstrate His Deity?

You can grab the MP3 file here.

This episode is probably one of the best episodes of the Please Convince Me podcast I’ve ever heard, because it’s practical. I like listening to the cold-case detective talk about practical things.

Summary:

  • e-mail from someone trying to start an apologetics ministry for college students and facing difficulties
  • the challenge of getting Christians to take an evidential approach to their faith
  • tips for getting Christians exposed to apologetics materials
  • there are a lot of Christians who are making a daily contribution to apologetics even with a full-time job
  • Wallace himself started his apologetics ministry while working full-time
  • Wallace, as an atheist, was initially skeptical of religion because he thought it was too focused on money
  • His plan as an apologist was to take money right out of it – do it for free, and  be self-funded
  • 1 Cor 9: “But I have made no use of any of these rights, nor am I writing these things to secure any such provision.”
  • People in ministry deserve to be supported, but Paul dispensed with that right to raise support for his ministry
  • Paul self-financed his ministry in order to avoid all appearance of doing his ministry for financial gain
  • Similarly, Wallace’s goal of being self-financed was to avoid the appearance of doing ministry for money
  • If you plan your life carefully enough in the first half, you’ll have the money you need to do ministry in the second half
  • Wallace wanted the liberty to pursue things without any financial need, and he achieved this by working full-time
  • The problem with money is that it often causes us to not cooperate well with other people
  • Ministries and churches sometimes avoid working with other people, like scholars and apologists
  • They do this because they are afraid of losing their own people to these scholars and apologists
  • Wallace wants to get the money out of it and be able to serve anyone with a need
  • Wallace: you need to work hard in the first half of life, in order to have freedom to serve in the second half
  • First area: financial preparation – you need to escape financial needs so that it doesn’t restrict your passion
  • Wallace married well, to a woman who was a good saver, very frugal, and not materialistic – he saved 30% of his income
  • Second area: need to prepare yourself educationally for being able to teach apologetics materially
  • That doesn’t always mean doing the MA in apologetics, but you do have master the material – continuous learning
  • Third area: try to focus on the parts of your career that might have some connection to apologetics
  • You want to have experiences in your work where you learn something that can be used in your ministry
  • Wallace actually made career choices to focus on evidence, case-making and teaching
  • It’s hard because men are naturally competitive – we focus on promotions, money and consumer goods
  • It’s not always the right move in your career to get promoted if it takes you away from skills related to apologetics
  • Christian apologists need to not neglect to develop leadership skills and to develop influence
  • He recommends a book called “Platform” by Michael Hyatt, which Doug Groothuis also recommended to me
  • If you are financially independent, then if an unpaid opportunity arises, you have the freedom to take it
  • You can volunteer for positions that you want to have, instead having to take what pays
  • Wallace writes for Breakpoint, and he is able to dispense with the 1000-word limit that gets a fee
  • Money opens up the danger of corruption, so it’s another reason to just take it out of the picture
  • You can be very effective in your apologetics ministry while still working full-time
  • The second half is a good time to have even more freedom because your kids are grown up
  • A good wife can really help you if she is picking up the slack so that you can work on your ministry
  • Jane Pantig works for Ratio Christi, an organization that promotes apologetics on campus
  • Jane’s model: she is in full-time ministry, with a BS in biology and an MA in apologetics (Biola)
  • Jane is able to get many high-quality speakers to speak for free/cheap at San Jose State University

The rest of the podcast deals a question that was asked at the San Jose State University event that Wallace did for Ratio Christi. I blogged about it this morning. I  laughed my butt off while listening to that podcast, starting at around 62:50 and on. It’s pretty funny when he does the role-pay between Jesus and the people listening to him.

My comments:

The reason I wanted to post this is because I think that a lot of people feel obligated to quit their jobs and raise support because they think that you have to do apologetics full time. It’s not true. Wallace explains that he worked as a cold-case detective until just recently when he took his pension. His pension is now underwriting his ministry. Similarly with me, I work a full-time job and run the blog out of my income. In addition, I probably donate a few thousand dollars each year to people who are organizing apologetics lectures, debates and conferences – events featuring speakers I like best.

This blog gets about 1 million page views per year, depending on the year (election years are better), so that’s not an insignificant impact. In addition, I meet a lot of young Christians in university in different countries who want advice or mentoring, so I spend a few hours here and there mentoring them, and sometimes sending them rewards (books) for doing difficult degrees at good universities and getting good grades. My full-time job helps me to do all of these things. And before I could have a full-time job in information technology, I had to put in the time and effort to get the Bachelor and Masters degree in computer science.

So I think that Christian men especially need to be thinking about how much the apologetics enterprise of a one-dollar apologist relies on money. We really need to be thinking about that early on, in high school, and choosing to study hard things and to do well in those hard subjects. The higher-paying jobs that are more secure tend to be in fields like science, math, technology and engineering. We need to be thinking of doing these courses in high school – especially the men, but also the women – in order to be able to pay for our apologetics ministry. In addition, my decision to not marry (unless I meet a woman who can support me in my plan) gives me even more freedom to work on my ministry while working full time.

I fully approve of what Wallace said about self-financing your apologetics ministry – and supporting other apologetics ministries – in order to avoid all appearance of self-interest. In fact, I have long admired Wallace for his intentional, practical way of doing his ministry. He doesn’t take donations, and he gives away tons of materials for free. I like that.