Financial Planning and the Christain Life

Discussion in 'General Baptist Discussions' started by ReformedBaptist, Jul 7, 2008.

  1. ReformedBaptist

    ReformedBaptist
    Expand Collapse
    Well-Known Member

    Joined:
    Aug 7, 2007
    Messages:
    4,894
    Likes Received:
    27
    I decided to put this topic here because I believe its an important topic for Christians to know and understand. In the nearly 15 years of being a Christian I have from time to time run into the kind of thinking that the runs the vein of something like this:

    "What are you doing to plan for your (and your family) future financially?"

    answer: "We are just trusting the Lord brother."

    I liken this kind of thinking to the story of the man trapped on the top of his house in a flood praying for God to save him. God sends him a boat and helicopter and the man refuses claiming he is waiting for God to save him. Finally he downs and sees the Lord and asks, "Lord, I trusted in you, why didn't you save me?" To which God replies, "I sent you a boat and a helicopter."

    Sadly, I fear many people treat their finances in this manner, and with great suspicision as well because of what the Bible says about money. We know that the love of money is the root of all kinds of evil. We know how the rich in this world are admonished by God in the epistle of James.

    But is there any sense in which a Christian ought to handle the increase of his hands to the glory of GOd? Most certainly. Both the man and the woman of the house ought to carefully consider how they ought to be stewards of the carnal things the Lord has entrusted to them. A man ought to consider how he shoudl care for his wife and help his children in the future. More so, he ought to consider how he might have somewhat to care for his own parents, and his wife's, in their old age if need be. In the context of caring for one's own widows, the Scripture says,

    "But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel." 1 Timothy 5:8


    A man who does not provide for his own wife and children, and his parents when they are elderly or widowed, and cannot care for themselves has denied the faith? It seems this is the gravity that the Scripture lays upon this subject.

    Brethren, we are not an agricultural society anymore. Very few of us depend on produce, land, and animals for our sustenence. Most of us get paychecks to pay our bills, enjoy some things, and if God is willing, have something left over. We should brethren, learn to give and be generous. And we should learn to invest and increase the good things the Lord has given us in good ways.

    Investing is not evil. Being skillful at it is not evil. If we exalt money and an increase thereof above our God, like anything else, it is evil and idolatry. But dare we say of another that they do wrong who train themselves to be wise with money? Is it evil to be skilled at such a thing?

    I don't think so. Scripture doesn't teach me so. It does teach me to avoid the love of money, and covetousness. It teaches me to be a good steward of both earthly and heavenly things. And if I be found as one who cannot manage well earthly things, why should I be entrusted with true riches?

    Let us brethren, not be too high-minded. So much so that our minds exalt themselves above the heavens. We are to set our mind on thigns above, and not on things on the earth. But not in such a manner so as to bring dishonor to the name of Jesus Christ.
     
  2. preachinjesus

    preachinjesus
    Expand Collapse
    Well-Known Member
    Supporter

    Joined:
    Feb 9, 2004
    Messages:
    7,406
    Likes Received:
    99
    Mrs PJ and I have a definite financial plan. I trust God, but also believe He has given me a freedom of the will which I should exercise with Godly prudence. :)

    Our financial goals, long term, exist so we can continue to support missions and grow the Kingdom of God while being responsible managers (i.e. stewards) of what God has given us to grow. It seems to me that too many of Christ's parables are concerned with growing and investing than not. :)
     
  3. Crabtownboy

    Crabtownboy
    Expand Collapse
    Well-Known Member

    Joined:
    Feb 12, 2008
    Messages:
    16,622
    Likes Received:
    158
    Financial rules of life

    Here is my list of financial rules of life:

    1 Tithe
    2 Save the next 10% or more ... invest if you know what you are doing
    3 Live beneath your means
    4 Never go into debt for anything that depreciates in value


    The point of saving and investing is not just for your own use, but also so that you can help others in need that God brings into your life.
     
  4. superwoman8977

    superwoman8977
    Expand Collapse
    Banned

    Joined:
    Apr 3, 2008
    Messages:
    293
    Likes Received:
    0
    I had this awesome financial plan when I got out of high school and went into college. All the bills were paid on time and I had savings and everything and then I got married and my perfect credit was ran over for the most part like a steamroller. Now I am lucky if my check covers all the bills plus the groceries. There are weeks I dont make my 10% in my tithe. Yeah its a great concept to be married and have that cushion so you can save but once the marriage went south so did the finances, which can be very frustrating. Me and the kids have given up almost every luxury we had just to keep a roof over our heads and food on the table, and to attempt most weeks to pay all or some part of our tithe. I keep hearing God will supply well me and the kids are waiting.... until then I will continue to use my 401K as I need to as well as all of my savings to keep current on the bills in our home. The only extravagance we have in our home is cable the rest is gas and electric and rent.
     
  5. ReformedBaptist

    ReformedBaptist
    Expand Collapse
    Well-Known Member

    Joined:
    Aug 7, 2007
    Messages:
    4,894
    Likes Received:
    27
    I am going to be crucified for this, but you should give your church according to the joy and purpose of your heart, cheerfully, and not out of compulsion. I find no biblical support for a mandatory 10% tithe in the New Covenant. My suggestion, and you need to do as your conscience allows, is the use the 10% for your family if its needed. When God gives you an increase, then give it as a thanksgiving for His extra blessing.
     
  6. superwoman8977

    superwoman8977
    Expand Collapse
    Banned

    Joined:
    Apr 3, 2008
    Messages:
    293
    Likes Received:
    0
    Yeah and heres the thing..Malachi 3:8 Wow that verse just so speaks to me about tithing. Thats why I tithe the guilt of robbing God would just kill me. Just my point.
     
  7. ReformedBaptist

    ReformedBaptist
    Expand Collapse
    Well-Known Member

    Joined:
    Aug 7, 2007
    Messages:
    4,894
    Likes Received:
    27
    When I looked into the whole of Scripture on the subject I became convinced that such things are not mandatory under the New Covenant. I also realized I was giving for all the wrong reasons: guilt, to get back, obligation. There was no joy in it. There also was a measure of self-righteousness.

    To break free I stopped tithing, and stopped giving altogether. I expected to come to financial ruin. I did not. The Lord continued to bless. And we have returned to giving again, but not under compulsion.
     
  8. JerryL

    JerryL
    Expand Collapse
    Banned

    Joined:
    Dec 11, 2006
    Messages:
    972
    Likes Received:
    0
    Yep, the same type of unlearned people teach this from the pulpit. Study the tithe, don't take some ignorant person's word for it. The tithe was never money and never for christians. Oh, BTW, track back from 3:8 and see who God was talking to. It was the priests.
     
    #8 JerryL, Jul 12, 2008
    Last edited by a moderator: Jul 12, 2008
  9. Gold Dragon

    Gold Dragon
    Expand Collapse
    Active Member

    Joined:
    Feb 24, 2005
    Messages:
    3,837
    Likes Received:
    3
    I've found the following site useful for a healthy view of biblical finances.

    Generous Giving

    Here is their response to the 10% figure.

     
  10. ReformedBaptist

    ReformedBaptist
    Expand Collapse
    Well-Known Member

    Joined:
    Aug 7, 2007
    Messages:
    4,894
    Likes Received:
    27
    Would have been better if they expounded the Scripture on tithing. I maintain that what the Bible teaches about the tithe is non-binding under the New Covenant.
    I would like to add the following from our confession of faith:

    "The work of pastors being constantly to attend the service of Christ, in his churches, in the ministry of the word and prayer, with watching for their souls, as they that must give an account to Him; it is incumbent on the churches to whom they minister, not only to give them all due respect, but also to communicate to them of all their good things according to their ability, so as they may have a comfortable supply, without being themselves entangled in secular affairs; and may also be capable of exercising hospitality towards others; and this is required by the law of nature, and by the express order of our Lord Jesus, who hath ordained that they that preach the Gospel should live of the Gospel. "
    ( Acts 6:4; Hebrews 13:17; 1 Timothy 5:17, 18; Galatians 6:6, 7; 2 Timothy 2:4; 1 Timothy 3:2; 1 Corinthians 9:6-14 )
     
    #10 ReformedBaptist, Jul 16, 2008
    Last edited by a moderator: Jul 16, 2008
  11. Gold Dragon

    Gold Dragon
    Expand Collapse
    Active Member

    Joined:
    Feb 24, 2005
    Messages:
    3,837
    Likes Received:
    3
    That site agrees with your view. I only quoted one answer from one of several hundred questions they have about giving, many with references to scripture.

    This quote is probably more of what you were looking for but I felt other posts already addressed that point.

     
    #11 Gold Dragon, Jul 16, 2008
    Last edited by a moderator: Jul 16, 2008
  12. ReformedBaptist

    ReformedBaptist
    Expand Collapse
    Well-Known Member

    Joined:
    Aug 7, 2007
    Messages:
    4,894
    Likes Received:
    27
    Ok. Insert foot in mouth.

    Carry on. :laugh:
     
  13. stilllearning

    stilllearning
    Expand Collapse
    Active Member

    Joined:
    Jun 11, 2008
    Messages:
    1,814
    Likes Received:
    2
    When ever I start thinking about my financial future, I always remember......
    Matthew 6:34
    “Take therefore no thought for the morrow: for the morrow shall take thought for the things of itself. Sufficient unto the day [is] the evil thereof.”
     
  14. JustChristian

    JustChristian
    Expand Collapse
    Banned

    Joined:
    Jun 12, 2007
    Messages:
    3,833
    Likes Received:
    0
    I agree that financial planning is good from a worldly perspective. We just don't have the faith that the early Christians had. I don't think Jesus would have thought it was very important either.

    Mat 6:26 Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them. Are ye not much better than they?
    Mat 6:27 Which of you by taking thought can add one cubit unto his stature?
    Mat 6:28 And why take ye thought for raiment? Consider the lilies of the field, how they grow; they toil not, neither do they spin:
    Mat 6:29 And yet I say unto you, That even Solomon in all his glory was not arrayed like one of these.
    Mat 6:30 Wherefore, if God so clothe the grass of the field, which to day is, and to morrow is cast into the oven, [shall he] not much more [clothe] you, O ye of little faith?
    Mat 6:31 Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed?
    Mat 6:32 (For after all these things do the Gentiles seek:) for your heavenly Father knoweth that ye have need of all these things.
    Mat 6:33 But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.
    Mat 6:34 Take therefore no thought for the morrow: for the morrow shall take thought for the things of itself. Sufficient unto the day [is] the evil thereof.
     
  15. RustySword

    RustySword
    Expand Collapse
    New Member

    Joined:
    Feb 12, 2008
    Messages:
    93
    Likes Received:
    0
    Leaving aside any dispensational aspects which may apply to Matthew 6, it seems that those verses have more to do with WORRYING about those things, and not so much against planning.

    Someone has already pointed out that investment figures quite a bit in Jesus' parables, and it is almost always looked upon in a favorable light.

    I think it is good to plan for retirement, make your money grow through investments if possible, etc., and I try to do so. When my children were younger, I had life insurance enough to get them through to adulthood if I died. I don't consider that worrying about money, or making it my god, or being covetous - it's just planning.

    If a man departs life early and leaves a destitute widow, SHE is going to be the one worrying about money. I've seen it all too many times.

    Flame away, Brethren!
     
  16. JustChristian

    JustChristian
    Expand Collapse
    Banned

    Joined:
    Jun 12, 2007
    Messages:
    3,833
    Likes Received:
    0
    Once again, I think we have to balance our worldly obligations with the Bible's teachings but this verse is pretty clear to me.

    Mat 6:33 But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.

    This isn't saying anything about worry. It's talking about trusting in God. Certainly this was the kind of life that Jesus and His disciples led.
     
  17. preachinjesus

    preachinjesus
    Expand Collapse
    Well-Known Member
    Supporter

    Joined:
    Feb 9, 2004
    Messages:
    7,406
    Likes Received:
    99
    Our highest obligation in this life is glorify God.

    Part of glorifying God is being a good steward of what he has given us to manage. If we simply manage day-to-day and forget to plan for the next week, month, year, and so forth we fail to be sound managers.

    I know my family won't regret the financial planning we are currently practicing now in 40 years. :)
     
  18. JustChristian

    JustChristian
    Expand Collapse
    Banned

    Joined:
    Jun 12, 2007
    Messages:
    3,833
    Likes Received:
    0
    I'm going to change my previous position. I believe that God primarily relies on Christians to do His work on earth not because He couldn't do it all but because it helps Christians grow. I also believe that we as believers have a responsibility for helping the poor. I think that this responsibility extends to our own family.
     
  19. ReformedBaptist

    ReformedBaptist
    Expand Collapse
    Well-Known Member

    Joined:
    Aug 7, 2007
    Messages:
    4,894
    Likes Received:
    27
    Great post. :thumbs:
     

Share This Page

Loading...