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Capitalism: Get Out While You’re Still Saved?

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At it’s very foundation, Capitalism works because of people’s selfishness. Adam Smith the Father of the modern capitalist economy said,

It is not from the benevolence of the butcher, the brewer, or the baker, that we can expect our dinner, but from their regard to their own interest.

I’ll begin, for the sake of Virgil, by saying that in practice in our society, I have not seen or know of a better system then capitalism. I’ve thought that there is a chance a different governmental or economic system would better serve society, but I’m not sure, nor do I know enough to argue, that it would. That being said, Capitalism still has it’s downsides.

We often make choices and contribute to systems that we believe in and agree with. There are personal and moral reasons people boycott stores, flee countries, choose not to vote, refuse to pay taxes, or live off the grid. It’s a much more daunting task, but I wonder if we should not at least consider the same possibility as it relates to our economy.

If our economy by it’s very structure encourages us to act in our own self interest, it goes quite counter to the life that Christ calls us to. And if our economy by in it’s flaws creates a structure of economy that oppresses people, then it goes against our calling to love our neighbors. Is there a way to remain a part of that system, to contribute to it, play a role in it, and benefit from it, yet in a way that still allows us to fully follow Christ?

We don’t know much about a large portion of Jesus’ life but it seems likely that he was a carpenter for most of his adult life. It’s possible he paid taxes and was involved as much as the next person in the economies of that day. Yet, during his ministry we see challenges to the structures in place. He makes satirical play of a question about taxes. Jesus when the tax is required conjures it up out of the mouth of a fish. He dines at people’s homes, relying on the hospitality of others rather then his own wages to provide food and shelter. When he dines at a Tax Collector’s home though, isn’t he benefiting from the corrupt system?

It just seems that economy is another area that Christians don’t think about at all. We just take for granted the system that is in place and don’t consider whether it’s appropriate to be involved or if there is another way. When Mindy and I went to Papa Festival they tried to use an alternative currency during the event. It was similar to the Ithaca Hours, which a whole city adopted. It seems like a creative way to step out of the current economic system (though it seems like it’s just replacing it with a similar one, although more local and maybe less corrupt).
Maybe we are supposed to be moving off the current economy and joining the Amish. Or maybe there is a way to involve our selves in the economy of the world in such a way that it is still honoring to God and not involving ourselves in a corrupt structure.

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Vandy Can’t Seem to Make the Grade

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Vandy

Not my alma mater, but soon to be Mindy’s. I found the College Sustainability Report Cards when Adam linked to the terrible grade received by Princeton Theological Seminary.

The Sustainable Endowments Institute released its College Sustainability Report Card, which grades 100 leading colleges by looking at campus greening practices and endowment policies.

Hopefully this is something Vandy starts taking into consideration as it continues building and expanding. In fact, all colleges should be taking these sorts of critical analysis’ seriously.


Blog, Money & Stewardship

Home Sweet Mortgage: Isn’t Debt Bad?

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At the place we’ve been hanging out on Sunday’s here in Nashville, a number of people have purchased homes in the last 1 1/2 that we’ve been there. It’s not a large community so it was a significant percent of the people that were making this major life decision/change/move. I posted on the online forum and tried to strike up some conversation about it, but was met mostly with perplexed looks. Basically, I wanted to know how as people of faith, they processed through choosing to purchase a home. I was hoping for a whole sermon series on it, but there wasn’t one.

It’s my understanding that if you believe in something as truth, then it should affect every facet of your life. This isn’t exclusive to religion or faith, our faith in gravity applies as much to standing in a bathroom as looking over a cliff’s edge. A couple verses in the Bible run through my mind specific to this idea of thinking about everything we do as it relates to our beliefs and faith:
“we take captive every thought to make it obedient to Christ.”
“And whatever you do, whether in word or deed, do it all in the name of the Lord Jesus, giving thanks to God the Father through him.”

I would venture to say most major religions, and most people of faith, understand it’s impact on everything they do. That being said, I honestly wanted to know the thought process folks had gone through in deciding to purchase a home. It wasn’t that I disagreed with their choice, I just wanted to know more, and I finally realized, there wasn’t more.
Buying a house is just something you do. Just like millions of other little things every day that are just a part of our society, part of the “American Way of Life.” And boy is it dangerous.

The Old Testament book of Proverbs is chock-full of maxim’s about the dangers of debt, “The debtor is slave to the lender.” And yet we take out student loans (even I am guilty) and home mortgages without thinking twice about it. Most folks eventually pay off their student loans, but I’m not sure I know a soul who actually owns their house. We refinance, we upgrade, we take out second mortgages to our hearts content, and I don’t think most Christians have even given a thought to how their faith should affect that part of their life.


Mindy and I are about to have our first child. She’s about to finish school and we’ll pay off all our loans in a couple years. I can see the benefits of owning rather then renting, but I also see some of the negatives. I see the trap of wealth and greed, of always wanting more and going into debt to get it. Everyone around us seems to be buying houses, you would almost think it’s a necessary part of following in the faith.

Houses make me think. Does isolating ourselves in single family home make it difficult to carry out Christ radical call to love our neighbors and live in community with other believers? Does living in perpetual debt keep us from being the generous, sharing, and financially open church Christ calls us to be? Does the “American Dream” really look like what Christ aspires for us to obtain, or are we terribly off-track?

Blog, Money & Stewardship

A liar and a Thief: What To Do With Excess?

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John Wesley once said,

“If I should die with more than ten pounds, may every man call me a liar and a thief.”

Wesley, though he made quite a bit of money from his publications, took little for himself, and he died poor. If there was an example of living out Christ call to the rich young ruler to sell your possessions and give it to the poor, John Wesley was probably it. Jesus clearly tell us, “do not store up in barns where moth and rust destroy.”
My wife and I currently our in debt, with a handful of school loans. Besides school tuition though, our cost of living is less then our income (if your’s isn’t you might have a problem). We have every intention of that fact remaining, more coming in then going out, for the rest of our lives. That being said, we will constantly be faced with the question of, What to do with Excess?

John Wesley’s choice was to rarely let it come within reach, he gave the vast majority of what he made to those in need, and kept only what he needed to live for himself. Wesley’s answer to what to do with the excess money he received was to immediately use it to meet the needs around him. Seems like a pretty good practice to me.

But what about investing? What would Jesus have said if Bethlehem Financial could turn your couple extra coins a month into piles of cash years later to feed the poor, care for the widow, and allow you to serve those around you without depending on others for food? Isn’t that what the parable of the Talents lifts up so much? Wise stewardship?

Every month we have X amount of dollars to decide what to do with, I don’t see it as mine to spend on myself, but rather a resource to carry out the good God calls us too (Loving our neighbors, etc). I could take a portion or all and sponsor a child, meeting an immediate need, and keeping me from the close at hand temptation of wealth. Or I could save some of it, not for financial security (though the temptation would be close at hand), but to invest and grow, so that what would have provided one loaf of bread could eventually provide thousands.

I claim to that I am trying to follow the teachings of Christ, and I do not want to be a liar by the way that I live my life. I do not want to be a Thief by taking more then my share of this place. So I wonder, What do I do with the excess?

Blog, Money & Stewardship

Figuring out Finances

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A little while back I started writing a series of posts about finances. I attempted to explain some of how I thought we should be living out our lives financially. It was met with some criticism and disagreement, which I think was fairly healthy.
I still have some pretty solid thoughts on how we should be living and how we should handle our finances, but I’ve also got quite a few questions. After a conversation with my friend Chris, these questions have been running through my head quite a bit, so I thought I’d do a short series dedicated to exploring these questions. I’m really hoping for some feedback, because these are intended to be questions that I have and ideas I’d like to explore… I haven’t settled on any answers yet.
I’ll put out some of the scripture that have influenced my thoughts, and share some of what I’ve thought about. Put it this way, I think we need to talk more about money. Jesus talks about money a lot, and when he says, “you can’t serve both God and Money,” I don’t think he was talking about people bowing before dollar bills. I know a lot of churches and Christians are weary of scaring people away by talking about money and giving, but when we do that we force ourselves to neglect a lot of things Christ said and talked about.

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A Poem for the Morning by Mindy

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So I’m sitting at Starbucks with my 2% chai
and this lady comes walking and people stare as she goes by.
She’s about 5 foot 2 and she’s wearing a big coat,
and everybody looks up from their computers and forget what they wrote.

She walks to the counter with her bundle of sacks,
as we sit here rich and white on our new shiny macs.
She’s visibly frozen from the outside right in,
and nobody wants eye contact with her, is this a great sin?

She buys a coffee for here and digs through her pockets
and everyone’s eyes jump nearly out of their sockets.
Could she be paying for her coffee with those filthy worn hands?
her hair matted down under her hood coming out it knotted strands.

She walks to the creamer and adds some to her drink,
and as she does so people are perplexed and sit to think.
So the silence goes on as people just sit and stare,
it’s visibly disturbing just to see her sit there.

She is another soul and I am so distraught,
just thinking about the chai that I just walked in and bought,
without thinking about if I’d have enough for another time,
and still I sit here comfortable and uncomfortable…

I have so much to think about, so much going on in my life.
And I just settled in for a warm drink and started to write,
but now I can’t focus on my qualitative essay due tomorrow,
because here I am seeing a woman being ignored in her sorrow.

And I have to ask myself,..
when I see a brother or sister in need,
am I going to go on in my selfishness in greed?
not thinking about her soul, not having pity on her?
because how can the love of GOD be in me if my insides don’t just stir?

-By Mindy

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Blackback Theory and Anyone know CSS?

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A friend, I think it was Sam, hooked me up with a neat link to a site that discusses green technology. I noticed a post about something I’d read about previously, and that was the impact that the color of websites has on the amount of energy we use while surfing the internet.
Rising Phoenix put together a pretty simple and sweet designed page to explain the problem. I’m an advocate for reducing the amount of energy we use, especially since we in the United States consume an ungodly amount already. Therefore, I feel some responsibility to change the way I’m currently consuming energy. Here’s my two step process.

  1. Downloaded Stylish for Firefox and then chose a black style theme for Google.
  2. I’d like to change my theme so it’s a darker background color with white text. I’d like to keep the current theme so it’s not too much of a change for my readers. But I need some CSS help from someone. The other option is to change to this theme.

Anyone else want to join me in the small choices matter energy saving campaign?

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The Plundering of My Possessions

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Abba Macacrius, while he was in Egypt, discovered a man who own a beast of burden engaged in plundering Macarius’ goods. So he came up to the thief as if he was a stranger and he helped him to load the animal. He saw him off in great peace of soul saying, “The Lord gave and the Lord has taken away; blessed be the name of the Lord.” (Job 1:21) -From Geez Magazine

Okay, so most folks would say he’s nuts. Yet, we also say God uses all things and everything, and if he can use a donkey he can use a thief. We don’t say the rich young ruler who decided not to give everything to follow Jesus was nuts, we usually just say he was in a tough spot, had to make a hard decision. My take, the monk has got a whole lot more sense then the nutty ruler.

And so I want to bring myself to this view of possessions. I don’t think it’s a bad place to be in. In fact I think if we are really going to be in a place that we are ready to leave everything and follow Christ, then we all better start working on this letting go of our possessions now.

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Random Scraps: It’s not about the Money

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Note: Okay, so I’m going through my old drafts of posts I started but never finished. I feel like I’m so removed from when I first wrote them that it wouldn’t make sense to complete them, but they are interesting enough that they might create some conversation, so I’m putting them up.

Financial clarification #1: It’s not about the money
I felt like it is important for me to address two points that were brought up by readers as to what they understood me to be advocating for: the pursuit of not having money and Poverty as righteousness.
I realize that I might come across as advocating for these two things because what I AM advocating for is so radically different then what are culture presents to us. In a culture that is so focused on the accumulation of wealth a statement like “give freely” comes across as odd and as an extreme. In a culture that says your lifestyle should be grand regardless of income level a statement about living on what you need rather then what you want seems rather backwards.
I know we are trying to talk about finances here, but do me a favor for a moment and forget money exist at all. No such thing as money. My points are still the same. Going to a college like Wheaton makes it difficult for you to question that type of lifestyle since you and so many other “Christians” at the college are living it. Hoarding your possessions is not what Christ calls us to, rather to give freely.

On Clothes.
I never felt too poor to afford something, but I knew somethings where just too expensive. Let’s use the example of clothes. You might find this funny, but in middle school and half of high school I was all about name brands. I wanted the nike swoosh on my shoes and my t-shirt. Here’s how my mom handled clothes. We would look in the closet at the beginning of the school year and decided if and how many jeans, shirts, and shorts I needed. Then she would allot me some money for each item (it was about $15 for jeans, $5 for a shirt, and $10 for shorts). If I wanted something that cost more then that I had to dig out my allowance, babysitting and lawn mowing money and pay for the additional cost.

Jesus does say the Poor are blessed with the Kingdom, that’s at least worth pondering.

There was some interesting thoughts and issues brought up in the comments on two previous post: Your Problem with Giving is Probably you, and A Major Flaw of Wheaton College.

I felt these two thoughts where important to address in our Finance lessons so here is…
Financial Lesson #3: Money is simply a mean’s of trade

One thing my parent’s did a good job instilling in me just by example, was that money wasn’t really a big deal. My dad has switched jobs a lot, and my mom has worked varying amounts (sometimes full-time other times half-time) throughout my life. Never did I feel like there was a correlation between their work and how much money they working making and how well off we were. I never felt poor, I never felt rich. You see, money wasn’t that important, what dictated our lifestyle was our values. My first real job was at Pizza Hut. Before that I had picked up bunches of odd jobs through my dad (he owned a temporary employment service), and I enjoyed that cause they were simple jobs and they usually paid well. But the summer after my sophomore year my dad told me I had to go out and get a job myself. Why? It wasn’t to make more money, it was to learn to go out on my own, it was about values. Money isn’t that important, what should dictate our lives is our values. If God had “blessed” my parent’s as billionaires my dad would have still made me go out and find a job on my own.

I don’t know if that helps to give a little perspective of where I think some of my mindset comes from. The two comments I want to address are: “a person’s goal becomes to not have money” and “poverty is righteousness”
I am NOT advocating for either of these. I think the reason both of these commenters have come to these interpretations of what I have been saying is because money was misinterpreted as being a high priority. Here’s what I mean.
When I talk about Wheaton College and how expensive everything is I don’t mean to focus on the money. I mean to say we are like the Rich Man with the beggar Lazarus outside our gate. It is not about the money it is about our value that God does not call us to store up wealth, he calls us to care for the needs of others.

I would be silly to advocate for “poverty is righteousness.”