Tag Archives: Self-Control

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New study: 1 in 8 divorces is caused by student loan debt

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I like to make plans in advance and calculate everything out before I try to do anything. This is the curse of being a software engineer. We’re taught to take a test-first approach to design. So, when I think about marriage, I naturally think about what tests marriage is supposed to pass, and work backwards from there to requirements for each of the spouses.

Here’s some research from CNBC that might help young people to avoid a divorce, if they respect the research in their choices.

Excerpt:

When it comes to student loan debt, “for richer, for poorer” doesn’t quite cut it.

In general, finances are the leading cause of stress in a relationship, according to a study by SunTrust Bank, but student debt takes a particularly hard toll on a marriage.

More than a third of borrowers said college loans and other money factors contributed to their divorce, according to a recent report from Student Loan Hero, a website for managing education debt.

In fact, 13 percent of divorcees blame student loans specifically for ending their relationship, the report found. Student Loan Hero surveyed more than 800 divorced adults in June.

Here is a link to the full study from Student Loan Hero.

I think in general, you can’t just do whatever you want before marrying and jump into it unprepared. Marriage involves specific requirements in order to work, such as being faithful to your spouse, and buying things that you need for the marriage enterprise, like a home, and baby stuff. It doesn’t make any sense to say “I want to get married” and then not prepare for marriage by being careful about preparing for the behaviors marriage that requires of you. Being debt-free is one of those behaviors that marriage requires of you.

So how can we be debt-free, so that the marriage will be stable? Well, one way to be debt-free is to find a way to learn skills that will allow you to get a job without going to college, like being a self-taught software engineer. One of my friends actually did that, and now he’s with a very good software company as a remote worker. But if you’re going to go to college, you can avoid debt by studying something that will get you a high-paying job when you graduate.

This 2017 article from Harvard Business Review is interesting.

It says:

Examining 46,934 resumes shared on Glassdoor by people who graduated between 2010 and 2017, the researchers looked at each person’s college major and their post-college jobs in the five years after graduation. They then estimated the median pay for each of those jobs (also using Glassdoor data) for employees with five years of experience or less. Their key finding: “Many college majors that lead to high-paying roles in tech and engineering are male dominated, while majors that lead to lower-paying roles in social sciences and liberal arts tend to be female dominated, placing men in higher-paying career pathways, on average.”

Here’s the plot, and you can click it to expand it:

Starting salaries by major, broken out by gender
Median salaries by major, broken out by gender – don’t study things at the bottom!

As you can see from the graph, it’s especially important to share the message about choosing a major, salaries and student loan debt with WOMEN, because as the graph shows, they tend to choose the wrong majors, if the goal is to pay off student loans and avoid divorce. Everyone who wants marriage to go smoothly needs to choose majors that are near the top of the graph, like nursing, chemical engineering, computer science, or mechanical engineering. It doesn’t make sense to go to college if you aren’t going to graduate in one of these high-paying fields.

As you might expect from the graph, women hold the majority of student loan debt, according to the Boston Globe, and that’s because women tend to choose majors that don’t result in good-paying jobs. And we already saw how this becomes a risk factor for divorce.

Student loans delay marriage and children

Another interesting piece of data, reported by The Consumerist, is that people with student loans tend to delay marriage, which means the couple has fewer children:

As consumers navigate life’s financial journey, they are faced with major financial milestones, like buying a home. But student loans are also delaying consumers from reaching these goals.

Survey respondents report delaying homeownership (23 percent), buying or leasing a car (23 percent), having children (10 percent) and getting married (9 percent) because of their student loan burdens.

So, it’s not just that there is an increased risk of divorce from student loans, but there’s also fewer children, which means a diminished legacy. I can’t speak for how others would see this, but for myself, I want to pass on my beliefs to as many effective, influential Christian children as I can.

Anyway, I feel obligated to post a relevant Dave Ramsey video, just to remind everyone that stewardship of money is a Christian virtue, and that being forgiven by Jesus for your sins doesn’t automatically make you good with money. It takes planning and stewardship.

This one from 2014: (H/T Robb)

 

When I was in high school, I was far more interested in becoming an English teacher than I was in becoming a software engineer. It was my Dad who overruled my choice of college major when I was still in high school. He had me take a first-year English course at a local university. When I saw how politicized and useless it was (they were studying all sorts of politically correct postmodern relativist stuff, instead of the Great Works, and they weren’t trying to learn any wisdom from any of it), I chose computer science. I did what was likely to avoid divorce, and likely to support having many children.

News

Where to get help if you have a selfish, absent or abusive mother or father

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

Today, I want to say something this article about lambs in Scotland, written by Sheila Walsh in the The Stream.

She writes:

I am very fond of sheep. I grew up on the west coast of Scotland with sheep all around me, field after field of white wool and incessant crying when things seemed a little off.

[…]Of all the lessons I have learned from these defenseless, gentle animals, the most profound is the most painful. Every now and then, a ewe will give birth to a lamb and immediately reject it. Sometimes the lamb is rejected because they are one of twins and the mother doesn’t have enough milk or she is old and frankly quite tired of the whole business. They call those lambs, bummer lambs.

Unless the shepherd intervenes, that lamb will die. So the shepherd will take that little lost one into his home and hand feed it from a bottle and keep it warm by the fire. He will wrap it up warm and hold it close enough to hear a heartbeat. When the lamb is strong the shepherd will place it back in the field with the rest of the flock.

“Off you go now, you can do this, I’m right here.”

The most beautiful sight to see is when the shepherd approaches his flock in the morning and calls them out, “Sheep, sheep, sheep!”

The first to run to him are the bummer lambs because they know his voice. It’s not that they are more loved — it’s just that they believe it.

I am so grateful that Christ calls himself the Good Shepherd.

“He calls his own sheep by name and leads them out. After he has gathered his own flock, he walks ahead of them, and they follow him because they know his voice.” (John 10:3-4 NLT)

My older brother and I grew up with a mother who was very much focused on her career and earning and saving money for her retirement. We were both stuck in daycare very early after being born, so that she could go back to work right away. (Me after 6 weeks) My older brother has shown the ill effects of our parents (especially our mother) not having any plan for us, especially morally and spiritually. He dropped out of college after failing his first year, never had a career. Although he has normal intelligence and mental health, he never could stick in any real job.

Although there were early warning signs when his grades started to drop in Grade 5, my parents never took responsibility to make a plan to solve it. Oh, they would yell and scream at him at report card time, but just for a day or two, and after that, nothing constructive. My brother decided that he could just ride out the flak my parents gave him on report card night, and keep going with his plan of having fun and being popular. My parents just forgot about it until the next report card day, because they did not want to be distracted from their careers, hobbies and retirement planning. When dispensing rewards, my brother was always given the same as me, despite our different levels of achievement. And my parents considered this equal dispensation of rewards regardless of performance to be a great virtue, and excellent parenting.

I had the exact same upbringing as my older brother. He actually did pretty well until Grade 5 just like me, but then our paths diverged. From Grade 5 on, his grades deterioriated. He got tired of having to study and he was more interested in the opinions of his peers and conforming to popular culture. In my case, from Grade 5 on, my grades were always high-90s. I remember taking the same classes as he did, in the same high school, with the same teachers. He got a 44 in data processing, I got a 96 with the same teacher and won the award for the entire grade. Every class I went to, the teachers would speak fondly of my older brother – he was a nice guy, very popular with his peers, good at sports. But not a very good student. How was it that I was winning awards when he had scored so poorly. Was I really his brother? How could we be so different?

The difference is that in Grade 5, he got a Gideon’s New Testament and he read it and he didn’t put it into practice, and in Grade 5, I got a Gideon’s New Testament and I read it twice and I did put it into practice. That was the difference. I had the awareness of the moral law (i.e.- wisdom) that allowed me to judge my parents and judge my peers and judge my teachers and stand alone. When you cannot rely on anyone to lead you, be able to judge when others mistreat you is very important. That is what allows you to maintain appropriate boundaries and minimize the influence of friends and family who are teaching you self-destructive behaviors. Awareness of the moral law is what allows you to stop trying to please people who do not want what is best for you. On the other hand, God is always willing to give you wisdom if you ask Him for it, and you can find out all about him because he has left plenty of evidence concerning his existence and character for you to find. It is in knowing God as he really is that you can find your sense of value, purpose and meaning. The God of the New Testament is the God of people who are lost and need a Savior.

For me, Christianity was a simple matter of being willing to go along with what was true, and not insisting on having fun or conforming to peer expectations. The essential characteristic of my faith, in contrast to my older brother’s lack of faith, was this – I did not mind being different, so long as I never lost a debate about what was true. My obedience to Christ has never been conditional on things going my way, on being liked, or anything like that. The only thing that mattered was being factually correct. It never bothered me what other people were doing, or what other people expected me to do, so long as I was acting on what I knew to be true. And God helped me to find out what was true by motivating me to study, and leading me to him with good evidence, and good mentors. Thanks to Jesus’ death on the cross, the mistakes I made early did not count against me, and they never will. Jesus’ death on the cross gives me the imputed righteousness that I need to stand before God holy and blameless. This is what allows me to keep learning and keep trying no matter how much I fail on any given day.

How has this affected me? Well, this is the second thing I wanted to say about the bummer lamb analogy. Since I was a victim of this hands-off, me-first style of parenting, it’s caused me to be extra sensitive about being a good spiritual leader to others in the same predicament. The people I mentor can see it in the way that I treat them . I treat them the opposite of the way that my older brother and I were treated. I care what people read. I care what courses they choose. I care what they eat. I care how they feel. I care about their finances. I care about their plans to serve God. I care about their romantic relationships. I care whether they get recognition for doing good. I care whether their life is going in the right direction. One person I mentored who once considered taking her own life wrote to me when she graduated from a STEM program, and she said this: “I wish you could have been here at my graduation. My parents only paid for this degree. You were the one who got me through it”. We have never met in person, but she is going to continue to make a huge difference for Christ and His Kingdom going forward.

I think when you have been a bummer lamb, you are extra careful to make decisions that will enable you to be a good shepherd to other lambs. Being a good shepherd does not mean being pious, spiritual, mystical, etc. Being a good shepherd does not mean making the lambs feel good about making bad decisions. Being a good shepherd means understanding what God has done to lead you, and then reflecting that love back to others in practical, self-sacrificial actions that solve actual real-world problems for other people who want to know and serve God. If you are about to jump off a cliff, the last thing you need is someone with no wisdom or experience telling you that God is OK with you doing whatever feels good to you. What you need is someone practical and competent to give you good advice, however much that advice may make you feel bad, or block your pursuit of fun.

One of my friends proof-read the draft of this post and told me that it made her think of 2 Cor 1:3-5:

3 Praise be to the God and Father of our Lord Jesus Christ, the Father of compassion and the God of all comfort,

4 who comforts us in all our troubles, so that we can comfort those in any trouble with the comfort we ourselves receive from God.

5 For just as we share abundantly in the sufferings of Christ, so also our comfort abounds through Christ.“

Nothing else I do in life matters to me as much as taking care of the people I mentor, especially the ones who are lost and lacking guidance and care. I have good health, good education, good career, and great finances. But by far the most important thing I do is following the example of the Shepherd by caring for other lambs.

Mentoring

The surprising pro-masculinity message in the “Far From the Madding Crowd” film

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Man helping a woman with proper handgun marksmanship
Man helping a woman with proper handgun marksmanship

So, I have about a half-dozen older and/or experienced Christian women who advise me and assist me in various ways. The wisest and most experienced is calm and thoughtful Dina. She has a very stressful job dealing with demanding women, and what she admires most in men is “masculinity”, which she defines as a man’s ability to tell a woman what is right and wrong, what God expects from her, what she should be doing with her life, and guiding her and providing for her through the steps to get there.

What makes Dina angry is when a man makes a fool of himself for youth and beauty, abdicating his role as moral and spiritual leader because of attraction / lust. According to Dina, men who have self-control think about what a woman should do that is morally right, with the goal of her producing a return for God. Men who are swayed by youth and beauty are willing to give up that leadership role in exchange for attention and/or sex.

So, with that said, Dina asked me to watch a recently-made movie called “Far From the Madding Crowd“, based on a novel by Thomas Hardy. I immediately said “no” because I know about Thomas Hardy from Tess of the D’Urbervilles, where he presents Tess as the helpless victim of Providence. I really hate that view of women, where they can do reckless, selfish things and then blame everyone but themselves for the destructive consequences of their own free-will decisions. But Dina said “wasn’t I right about the debate between David Robertson and Matt Dillahunty?” I said yes, and watched the movie. And of course, she was right, as she almost always is. This movie is a punch in the face to the radical feminism that seems to have infected so many young women, even in the church.

Here is a review of the movie by Rebekah, posted at her blog. Unfotunately, the post has been deleted, but here is an excerpt.

Rebekah writes:

What does this 19th century tale offer to modern audiences?  This latest rendering emphasizes something actually surprising and unexpected given that it is made in our age of radical feminism.  It is Gabriel Oak’s character that shines the most, not the proto-feminist Bathsheba.  […]In Bathsheba and Gabriel we see how men and women support one another in such a way as to ensure a flourishing in any role that fate might thrust on them.

[…]The relationship between Gabriel and Bathsheba, though unequal in earthly terms of authority and wealth, is one of mutual dependence.  We see Oak taking on a role of both counselor and conscience with Bathsheba – roles that in her striving towards independence she struggles to admit her need for.  She is not unlike the modern feminist in this regard, nor is she unlike all of us in our relationship with the Lord.  Her struggle is best seen in the various times she repels Gabriel only to find herself in desperate situations in which only he can help.  The filmmakers’ clever use of a recurring theme of Bathsheba galloping after Gabriel on a horse when he is needed is particularly moving (and surprising) here.  In the end, the film resists the urge to pander to our more extreme modern views on what women require to thrive.

Gabriel Oak also seems to be an embodiment of the biblical virtue of selflessness.  We see in his actions towards Bathsheba the Philippians admonition to refrain from “being motivated by selfish ambition or vanity,” but rather “in humility, be moved to treat one another as more important than yourself.” Indeed, vanity itself can be seen as a fateful character flaw of every major character apart from Gabriel.  He alone is able to move past rejection and carry on.  In fact, he is required to go so far as to be under the authority of the very woman who rejected his offer of marriage and, despite his continuing affections for her, witness her being courted and then married by another far less worthy man, Frank Troy.  No other major character is able to accomplish this challenge to their pride.  Though Bathsheba does eventually overcome the rejection of her husband, she only does so after tremendous tragedy and with the selfless and steady support of Gabriel.

Gabriel respects her independence, but, like a good shepherd, stays close by to protect and guide her.  Though he cannot protect her from her free-will choices, he does warn her.  He then remains faithful to her in the midst of the trouble she brings upon herself.  In this, he is not unlike our God, for he allows her to stray, all the while letting her know of a better course when asked.  And, she does ask.

In an important scene at a party, where Bathsheba must decide whether or not to marry a particularly obsessive suitor, when she asks, “Tell me what to do, Gabriel,” he simply tells her to “Do what is right.”  Is that not like our Lord?  Gentle shepherd, indeed, for our wild, independent hearts.  In this, I see Gabriel as most suitable for the role as the husband written of in the epistle to the Ephesians.  He loves Bathsheba “just as Christ loved the church and gave himself for her…”

Men and women both struggle with self-centeredness, but men usually work themselves out of it by studying hard things in school, and doing hard work that pays. Men have a natural desire to provide for others, and it is actually a duty laid out for them in the Bible. As a result of studying and working at things they don’t like, men typically are better at resisting their feelings and desires. In fact, if you ever want to make a woman less self-centered and emotional, leading her to study STEM and work a demanding job is a good plan. Dina has multiple STEM degrees, and a very difficult, challenging work history.

I would be suspicious of men who don’t prioritize providing, (as in 1 Tim 5:8), because working and saving gives a man practical experience at self-denial. When a man gets accustomed to working to share with others, it helps helps him to lead a woman to do the same: deny her feelings and desires, and make prudent decisions that will allow her to love and serve others – including God – in a sustainable way. Over the long-term, this practice of effective, self-sacrificial love will be worth more to the woman than the short-term pursuit of fun and thrills. To provide for a woman means to look into her future, and make a decision today to set aside something that will help her to deal with what the future has in store for her.

Dina’s advice to young women

I asked Dina to take a look at the draft of this post before I hit “Schedule” and Dina said:

What I would advise to all young women is not to expect a Gabriel Oak to be waiting for you at the end of your reckless years of hooking up, partying and wasting your youth on fun and men who have no desire to lead you to God or guide you to goodness. Don’t expect the hot stud that your friends approve of to turn into someone with the character of Oak with the magic powers of your premarital sex life. Find a man who doesn’t give in to your every whim, because if he does, you will only resent him for it, and blame him, for being what you thought you wanted him to be.  Find a man who leads, one who demonstrates self control, self denial, who can provide and protect. And most importantly, respect him for doing it.

Emphasis mine.

Sound advice from the Dina, young ladies. By the way, Dina’s favorite drama is the BBC production of “North and South” from 2004. I also give it a 10/10.