Tag Archives: Stewardship

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

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. 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.

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 pop 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, judging others is critical. That is what allows you to maintain appropriate boundaries and minimize the influence of friends and family who do not have any plan to grow you. 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, 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.

For me, Christianity was a simple matter of being willing to go along with what was true, and not insisting 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 as I was acting on what I knew to be true. And God helped me to find out what was true my motivating me to study, and leading me to him with good evidence, and good mentors.

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 the exact 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 told me that it made her think of 2 Cor 1:3-5:

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

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

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.

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

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.


  • 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 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)


  • 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.

Sean McDowell explains how to make Christian apologetics into a career

Two Air Force JTACs discuss mission parameters prior to calling in CAS
Two Air Force JTACs discuss mission parameters prior to calling in CAS

Sean McDowell has managed to integrate apologetics pretty tightly with his career, and in this recent blog post, he offers some options to others who might want to follow suit.

He writes:

We live in a golden age of apologetics. There are more books, curricula, blogs, conferences, academic programs, and people interested in apologetics than ever before. As my friend (and boss) Craig Hazen says, “Apologetics is a growth industry.”

Part of the vision of our Biola M.A. Christian Apologetics program is to train apologists to be a resource for the local church. In fact, our dream is that churches would consider the need for a “Pastor or Apologetics” as important as a men’s ministry leader or a youth pastor. Until this dream becomes a reality, here’s a few ways to make a career in apologetics (If you think I have missed any, please let me know):

He has several options listed in the post:

  • Professor of Apologetics
  • Ratio Christi
  • Author
  • Blogger
  • Speaker
  • Christian School Teacher

At least one personal friend of mine does each of these six options! They are all doable, but you really have to be the best at what you do if you want to pursue them, simply because of the lower demand. People don’t value truth these days as much as they value fun and entertainment.

Let’s look at number 6 in particular, because this one seems to me to offer the most linear, low-risk, option:

6.Christian School Teacher. Before accepting a teaching position at Biola University, I taught theology and apologetics full-time at a private Christian school in southern California. Since teaching high school involves grading and disciplining students, it is very different than writing or speaking. But it is a valuable way to help Christian students think deeply about their faith, and also to critically engage non-Christian students (I had many atheist, Buddhist, and Muslim students in my classes). If you want to teach at a Christian school, you will need both apologetics/theology knowledge (an undergraduate degree or M.A. is probably sufficient) as well as training as a classroom teacher.

Of course, there is a rival view to the view of doing apologetics full time, and that view is that you should do your regular job full time, and try to have an apologetics ministry on the side. J. Warner Wallace calls such people “tent-making apologists” because, like the apostle Paul, they fund their ministry by working a normal job (Paul made tents to drive his ministry).

Air Force TACPs confirm target locations with their map
Air Force TACPs confirm target locations with their map

Wallace lists 10 reasons why tent-making apologists are effective, and this is one I have personal experience with:

Tent-Making Christian Case Makers Reach a Skeptical Audience
As an atheist, I was very skeptical of Christians when I thought they were trying to sell me something. In fact, this was a major stumbling block for me. As a high school student, I used to watch local televangelists with scorn if they repeatedly asked their viewers to send them money. Don’t underestimate this disdain on the part of skeptics. As a tent-maker, I’ve had many conversations with skeptics who have given me a hearing simply because they respected my position as a volunteer Case Maker. One told me, “At least I know you’re not in this for the money.” Tent-making Case Makers are uniquely positioned to reach a skeptical world.

This blog has no ads, because I pay wordpress to have them removed. I do post Amazon links in the What I am Reading section, but that’s only to recommend to people what I am actually reading, not to make money.

And these two are near and dear to me:

Tent-Making Christian Case Makers Thrive in Any Economy
I started thinking again about the power of tent-making Case Makers after reading Lydia McGrew’s fantastic post, “An Army of Tent Makers.” Lydia is a brilliant Case Maker who continues to have a powerful impact even though she’s not a vocational apologist. In her post, Lydia discusses the current financial climate and the limited opportunities for people seeking full-time employment as apologists. While it’s often difficult to find full-time employment in the field of Christian apologetics or start a donor-funded apologetics ministry in a challenging economy, tent-making Case Makers aren’t limited by bad economic climates. In addition, as Lydia points out, “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.”

Tent Making Christian Case Makers Survive in Any Political Climate
Times are changing and our politicians and judges are less and less friendly to non-profit organizations. A federal judge recently struck down a law giving clergy tax-free housing allowances, and atheist groups continue to challenge the tax exempt status of religious non-profits.  If the non-profit status of apologetics ministries is someday successfully abolished, vocational Christian Case Makers will have to rethink their strategy. Tent-making Case Makers will already be standing in the gap. Tent-makers are flexible enough to survive, even in difficult political environments.

My regular readers know that I follow current events and what I see worries me. Earning and saving is my way of weakening the fear of the future, so that I can make a small difference today without being paralyzed by worry about tomorrow. It really is important for Christians to earn and save so that they can do ministry today without crashing and burning tomorrow when things get difficult. Although some silly people think that the height of Christian ability is to disregard the future and do wild, adventurous things today, those people are wrong.  A Christian ought to be wise about balancing ministry and finances, so that they aren’t an embarrassment to the Kingdom, or a financial burden to others. Any of the young Christians who I mentor regarding college and careers and finances will tell you that I am an absolute bully when it comes to making young people study useful subjects, get early work experience, and curtail spending on fun and thrills in favor of saving and investing.

Wallace wrote another post where he listed the occupations of a bunch of tent-making apologists, including me. I think the important thing is that you have to earn money and you have to do apologetics. Finding the right balance is your decision, but whatever you decide, make sure you are effective and make sure that you don’t starve now, or in the future when you are older. We all have to retire some day, you probably don’t want to be working full time in your 70s at a job you don’t love, just to put food on the table.

Should Christians be motivated by the fear of missing out (FOMO)?

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

My best friend Dina and I recently spent some time talking over some articles that we found on the culture. We specifically talked about what is motivating young people, so I wanted to write something about that.

FOMO: Fear Of Missing Out

Here’s a leftist New York Times article explaining where FOMO comes from:

It’s known as FOMO, or “fear of missing out,” and refers to the blend of anxiety, inadequacy and irritation that can flare up while skimming social media like Facebook, Twitter, Foursquare and Instagram. Billions of Twitter messages, status updates and photographs provide thrilling glimpses of the daily lives and activities of friends, “frenemies,” co-workers and peers.

[…]When we scroll through pictures and status updates, the worry that tugs at the corners of our minds is set off by the fear of regret, according to Dan Ariely, author of “Predictably Irrational” and a professor of psychology and behavioral economics at Duke University. He says we become afraid that we’ve made the wrong decision about how to spend our time.

[…]A friend who works in advertising told me that she felt fine about her life — until she opened Facebook. “Then I’m thinking, ‘I am 28, with three roommates, and oh, it looks like you have a precious baby and a mortgage,’ ” she said. “And then I wanna die.”

It’s like they want to run a race to do fun and exotic things with their peers, and not finish last.

Anyway, I want to begin this post with examples of FOMO behavior I have personally encountered.

FOMO Travel

Dina and I read and discussed this article by Alain de Botton in The European – notice the emphasis on travel and having fun, sophisticated experiences:

We’re continually being bombarded with suggestions about what we might do (go jet skiing, study in Colorado, visit the Maldives or see the Pyramids). We’re always hearing of the amazing things friends have done or are going to do: ‘there was this great bar we all went to …’; ‘she’s getting married in a little country church, then we’re having a picnic…’; ‘the sun was glinting on Sydney Harbour…’ There are endless hints of the allure of life in other places: an article about family-friendly restaurants in Brooklyn, a crime novel set in Trieste, the departure board at the airport with its list of places only a plane trip away: Moscow, Bangkok, Addis Ababa… The modern world makes sure we know at all times just how much we’re missing. It is a culture in which intense and painful doses of FOMO (Fear Of Missing Out) are almost inevitable.

What’s interesting is this – how does FOMO travel affect young, unmarried Christians?

Travel through missions work seems to be the FOMO activity of choice for at least a few young, unmarried Christians. One of my best friends who is married to another of my best friends told me about her missions trip to a European country. I asked her why she did it, since it meant lost savings, lost earnings, lost work experience, etc. (She gave up a year of earnings, and she had a great job in engineering). Her answer was that she did it for the adventure. I have a hard time hearing Jesus say that he was going to do something because he was bored and wanted an adventure. Especially when it’s $30,000 in costs, $60,000 of lost income, and lost work experience – per year. This was before the time of the Internet, though, when missionary work actually made sense. I just don’t think it’s worth spending that kind of money for the impact you make. The people I know who went on missionary trips just wanted to feel spiritual, look spiritual, and have a fun “life experience” vacation. One missionary told me that she was desperate to get away from her boring mid-Western roots.

If you really want to share Christ effectively with people in other countries, then you can start a blog and pay the tiny costs for it out of your earnings from your day job – that’s what I do. I get more people from Europe reading my blog than I could contact in a year of missionary work. I Skype with the people who are interested in Christianity from these countries (Scotland, Northern Ireland, England, Canada, etc.), as well. Meanwhile, I keep working my not-exciting job, so my savings increase, and my resume remains gap-less. This is good stewardship of finances, and self-denial prepares your character for the hard work of marriage and parenting. The Bible says that those who do not work should not eat. And Paul says that he built tents so that no one could accuse him of taking on missionary work for financial gain.

You can tell whether a person is sincere in their missionary intentions by looking at how responsible they’ve been in their decision-making. If a person has gone into debt paying for fun, thrilling activities like skydiving, ziplining, surfing, etc., then it’s FOMO travel. We must look past the spiritual smokescreen, and tell young people to grow up.

After all, if defending God’s honor was the missionary’s main goal, then the real battlefield would be the university.

Bill Craig puts it best:

If serving God is your goal, look to the university
If serving God is your goal, look to the university

There is already a perfectly fine university right next door – no need to fly to Europe to find one! Remember, the university that took your faith away, or maybe the faith of someone you cared about? Yeah, it’s still sitting there in your home town! And it’s still ruining the lives of thousands of young people, by peer-pressuring them into secular, liberal views – and behaviors. It seems to me that it’s better stewardship to stay here and work, then give money to groups like Reasonable Faith. And you can start a blog, teach in church and invite scholars to the local university, too. That costs almost nothing, and it produces better results.

What about Jesus?

Sometimes, it’s a good idea to look beyond the words of the Bible and reflect on the overall message of it at a higher level. When I look in the Bible, I see that Jesus went through a lot of suffering in obedience to God in order to secure the salvation of people who did not even like him. And it’s from this sacrifice on our behalf that his claim on our obedience comes. There are things that I don’t like to do that I do anyway because they work to serve God. Jesus life’s ambition was not to do things that were easy, or that made him happy. Experienced Christians do things that are not fun, because these things are right and because they solve the real problem.

How can a successful writer who “is true to himself” end up poor?

My friend Lindsay sent me this article about a very successful writer who has trouble making ends meet.

The story appeared in left-leaning The Atlantic. I don’t want to rehash the whole thing, because I want to make a point.

So, first thing to quote, this guy looks like a success to others, even though he is actually really struggling:

The Fed asked respondents how they would pay for a $400 emergency. The answer: 47 percent of respondents said that either they would cover the expense by borrowing or selling something, or they would not be able to come up with the $400 at all. Four hundred dollars! Who knew?

Well, I knew. I knew because I am in that 47 percent.

[…]You wouldn’t know any of that to look at me. I like to think I appear reasonably prosperous. Nor would you know it to look at my résumé. I have had a passably good career as a writer—five books, hundreds of articles published, a number of awards and fellowships, and a small (very small) but respectable reputation. You wouldn’t even know it to look at my tax return. I am nowhere near rich, but I have typically made a solid middle- or even, at times, upper-middle-class income, which is about all a writer can expect, even a writer who also teaches and lectures and writes television scripts, as I do.

The thing I like about this guy is that he doesn’t blame anyone else but himself – he thinks that his own decisions led him to poverty. Rod Dreher has a nice list of the mistakes at American Conservative:

1) He chose to live in New York, which is one of the most expensive places to live in the country;
2) He chose to be a writer, not the most lucrative and stable career;
3) He and his wife chose to put their kids in private school, something they felt was necessary in their Brooklyn neighborhood, but an expense they could have avoided or dramatically lessened had they lived in another part of the country (they eventually moved to the Hamptons to get out of paying that tuition);
4) He and his wife believed their two children had “earned” the right to go to very expensive universities, and they spent everything they had, and the inheritance his parents planned to leave for him, on educating the girls;
5) They got caught in the housing crash and had to sell a Manhattan apartment they owned at fire sale prices;
6) Given the way his income as a writer is structured, taxes were a bitch (as a writer, trust me, this is true).

Pay close attention to 1 and 2. I would NEVER live in a garbage blue state like New York. I would rather be dead in a ditch than live in a state that is run by Democrats. I hate the high taxes and high spending of blue states. Blue states are great places to go if you want to work and have someone else steal all of your money to buy votes from lazy losers. I’m actually planning a move to a red state right now, and believe me, low taxes and low cost of live are high on my list of requirements. Oklahoma and Tennessee, I’m looking at you two, especially.

And as far as 2 goes, I don’t think that I need to repeat my warnings to everyone about non-STEM fields.

Well, OK, I will:

Starting and Mid-Career salaries by profession (click for larger image)
Starting and Mid-Career salaries by profession (click for larger image)

Regarding the housing crash that he mentioned, Democrats caused that, by forcing banks to loan money to people who couldn’t afford to pay it back. If he voted for the Democrats, then he screwed himself again.

Now, you might think that people end up poor because they want to do work that is fun and enjoyable. And that’s true, I’ve seen that. But this guy’s problem was that he just spent beyond his means. Why? Well, the writer explains that he is compelled to spend the money, because spending money defines who he is. He can’t say no, because he thinks that he has one life, and one chance to define himself. He can’t think about the future, because he has to spend every last dime today in order to be who he really wants to be.

Dreher comments:

He felt that to choose otherwise would have made him inauthentic, untrue to himself. He felt that he deserved the life he had, and could not choose otherwise without betraying himself. I think this must be an extraordinary thing, in terms of history: people who spend recklessly to give themselves the lives they think they deserve. If you think about it, though, our culture, which valorizes Authenticity, encourages this.

I have to tell you, I just don’t understand this. I define myself by Christian virtues – self-control, self-sacrifice, concern for others who I know personally and in my community. I’m not a spender. I am a saver by nature, and the older I get, the more grateful that I am closer to retirement than I was before. Working gets harder as you get older, even for jobs that don’t require physical labor.

If you plan ahead, you can get all your working and saving done before you’re 50. That was my approach. But I see other people who haven’t started working full-time by 30 and even by 35. Every day when you are in school instead of working full-time in your field is a wasted day. With few exceptions, you will learn more on the job than in the classroom. You want get out of school and get working as soon as possible, with an eye to getting married as soon as possible – since marriage is a wealth building engine. The faster you start investing, the more time your money has to grow through interest and dividends.

The bottom line is that my obligation as a Christian is not to be true to myself, or anything weird like that. My obligation is to make sure I don’t starve, and then to turn to the people around me and make sure that they don’t starve. Sometimes, that means giving them good advice. Sometimes, it means recognizing their achievements with little gifts. But the main thing is that the world isn’t safe enough for you to put off earning so that you can do what you feel is the “real you”. Being independent and then serving others is more important than being the “real you”.