Category Archives: Wealth

Christian and Money Series- Wayside Ministry: Part 10

Introduction

Post 1 originally predicted this series would end at post 5. Instead, this post 10 will be the last in the Christians and Money Series. This journey is just short of 18,000 words has given me greater clarity to navigate the Wayside Ministry’s goal.
Due to the difficulty of forming a trusting, sincere relationship, there are many barriers between developing a Patron and Recipient relationship. Post 9 showed Patron and Recipient both have boundaries, life themes, and priorities. When they come together to form the Patron-Recipient relationship, these boundaries, life-themes, and priorities meld creates the common ground of a sincere, trusting relationship over time between them. The levels of trust and sincerity vary and change according to the unique blending outcomes.
Henceforth, the word boundaries or boundary used in this post shall mean boundaries, life themes, and priorities.

This post has the following sections to address practical issues arising from this blending.

  1. Wayside Ministry – A recap.
  2. Flexibility and Adaptability of the Wayside Ministry Models.
  3. Nature of Patron and Recipient Relationships.
  4. Patron and Recipient Boundary Concerns.
  5. Various Economic Scenarios of the Wayside Ministry.
  6. Practical Help of Wayside Ministry

Wayside Ministry- Recap

The Wayside Ministry
Table Summarizing the Wayside Ministry Traits

This Wayside Ministry was something both my wife and myself experimented with over the last 15 years. My wife started this independently without my knowledge. The neighborhood environment presented the environment for the Wayside Ministry.
The table shows the Wayside Ministry spanning a continuum across the categories of resource commitment level, duration of commitment, availability, and visibility. The table displays the flexibility of the Wayside Ministry to be able to adapt to various real-life scenarios. This adaptability is critical to accommodate the endless permutations of boundaries.

Flexibility and Adaptability

The Wayside Ministry is one of the means to experience soul salvation by fulfilling the 2nd Commandment of love, according to 1Pet1:7-9, 1:22. Remember, post 6 that presented the evidence to show the paramount importance of soul salvation?
This table shows a continuum of related traits that one can flexibly and interchangeably adopt in a single relationship.
E.g., Most Wayside relationships start as a Jesus’ model with sincere but low commitment and occasional engagement. As trust forms and sincerity reciprocated, this relationship gradually develops over time into a good neighbor relationship. If Recipient’s family social support becomes available, the innkeeper model or Jesus’ model is more relevant to allow family support to be the primary support.
The Wayside Ministry is to provide support where the traditional sources fail to materialize. It must never be the Wayside Ministry’s intention to deprive the Recipient’s family network of soul salvation opportunities.
The Wayside Ministry is not a linear model. The three models can function simultaneously within a single relationship. Where trust is present, the good neighbor model is relevant. But for areas where trust is insufficient, Jesus’ model is more appropriate. As such, the Patron needs to select the models flexibly and blend them to provide the best fit for the circumstances.

The Patron-Recipient relationship is predicated on God, presenting the opportunity to form a relationship. Without this opportunity, it will be an effort devoid of God’s purpose and will. In-other words, there is no stress to make this relationship happen. The Wayside relationship occurs organically.
The Patron also needs to recognize and expect that the Patron-Recipient relationship has an expiry date. The goal is to support the Recipient. The means is a trusting and sincere relationship (later sections will propose a framework to achieve this). Without the means, the goal is nonexistent. The ultimate GOAL is for one’s soul salvation that has eternal consequences.

Nature of Patron and Recipient Relationships

Patron and Recipient Relationships

Patron and Recipient Relationships are Either Pre-existing Relationships or New Relationships

It is also common that the Patron has an existing relationship with the Recipient. This pre-existing relationship provides a natural entry engagement for the Patron-Recipient relationship to form. I know of one Patron-Recipient relationship that developed about 6 years after they have become friends. During these 6 years, the boundaries were exchanged and engaged based on friendship. When the Recipient fell on hard times, that friendship fostered the Patron-Recipient relationship.
When a new Patron-Recipient relationship is forming, the Wayside ministry has a likelihood to take the following pathway.

  1. Ice Breaker Stage to Clarify Superficial Boundaries

Usually, the Recipient has voiced the need for support. However, the boundaries relating to this Recipient is unknown, and the nature of support also requires clarification.

At this point, the Patron and Recipient are strangers. The ice breaker stage is a superficial exchange of boundary information. To show goodwill, after the Recipient clarifies the nature of help required, the Patron offers temporary and limited support according to their boundary conditions.

  1. Post Ice Breaker Stage, Hangover.

The help received will elicit a response from the Recipient. This response can assume the following forms. When the word

    1. The Recipient acknowledges the sincerity of the Patron and reciprocates to offer more boundary information. Likewise, the Patron offers more boundary information. This exchange fosters the consolidation of a Patron-Recipient relationship that mutually respects each other’s boundaries based on trust and sincerity.
    2. The Patron and Recipient do not feel that the boundaries were respected or acceptable. In such an instance, the relationship usually ends by mutual consent amicably. The Patron may maintain an offer to help even after the Recipient has decided to terminate this relationship.
    3. A blend of “a” and “b.” This outcome is usually the case because of incomplete boundary information. In such instances, either the Patron or the Recipient may seek clarity on the response and associated concerns relating to the boundaries. After that, the outcome could be a repeat of the Ice Breaker Stage, “a” or “b.” The Wayside Ministry model is flexibly adopted here to account for the dynamic nature of the outcomes.
  1. Relationship Nurturing Stage

The objective of the nurturing stage is to support Recipient independence, not deepening dependency. Independence occurs across the domains of physical, emotional, mental, spiritual, and social. Fostering resilience in these 5 domains takes time and intimate knowledge of the Recipient’s situation and tapping or expanding the Recipient’s resources and social network.

The Patron may want to equip themselves with financial literacy, coaching skills, and counseling skills. The social domain involves connecting the Recipient with government social aid if they qualify, entreating their family members to partner with the Wayside Ministry effort, or inviting other like-minded parties willing to help with the permission of the Recipient.

Patron and Recipient Boundary Concerns

The Patron has the following boundary concerns.

  1. The Patron support is appearing or/and acting in a way that violates the Recipient’s privacy. Even worse is the Patron seems to control the life of the Recipient.
  2. Gender boundaries Confusing compassion for sexual attraction.
  3. The Patron support has conflicts with the Recipient’s next of kin/family authority or influence.
  4. The Patron support reinforcers the carnality of the Recipient.
  5. The Patron is held hostage by the Recipient, usually in the emotional sense, demanding support as an entitlement.
  6. The Recipient takes the Patron for granted as an infinite resource.

The Recipient has the following boundary concerns.

  1. Recipient privacy boundaries are not respected, and they feel their life is controlled or manipulated by the Patron.
  2. The Recipient’s family has conflicts with the Patron.
  3. The Recipient doesn’t want the Patron to view them as leeches. This worry compromises their sense of self-worth.
  4. The Recipient is afraid his actions jeopardize the Patron’s Commitment. In this way, his actions appear to be under surveillance.

It will take the Holy Spirit’s wisdom to be wise as serpents and harmless as doves to navigate the above concerns to attain harmony between the Patron and Recipient’s boundaries.

Wise as Serpents and Harmless as Doves within Boundaries

The guiding principle to attain harmony draws from the 1st and 2nd Commandments.
Firstly the 3 Do NO HARMs-

  1. Do NO HARM to God’s desire to help Man avoid carnality.
  2. Do NO HARM to the Patron’s sense of self-worth.
  3. Do NO HARM to the Recipient’s sense of self-worth.

Secondly, the dealings are sincere, respectful, and done with integrity.
If this harmony is of the 3 do no harm, sincerity, respect, and integrity are unachievable simultaneously after the post ice breaker stage, this means the Patron-Recipient relationship is not viable.
In actuality, the assessment of viability is not that clear cut and subjective. The measures of self-worth, sincerity, respect, and integrity are subjective. If the Patron and Recipient boundaries are too out of sync or overly complicated, this subjectivity gap or complexity could be the main barrier to forming a viable relationship. Simply put, the Patron and Recipient need to get along with one another.

Various Economic Scenarios of the Wayside Ministry

This section covers how to apply the Wayside Ministry blended model with the following economic baseline scenarios.

>> Rich” width=”957″ height=”677″> Life Scenarios Poor >>> Rich

The Poor Single Income Scenario

This scenario has a single breadwinner income of $3,000.00, which is less than the median of $4,000.00 with 2 children and 2 dependents, aged parents with 6 persons in the household. Household expenses are about $500.00 per person below the $650.00, which partially meets the condition to qualify for social aid.
The family under this scenario cannot afford to help others but needs financial and social support. In this instance, the breadwinner’s primary soul salvation goal is to support the self and the family’s needs. The Wayside Ministry in this scenario is self and family.

The Single Income Slightly Above Median Scenario

This scenario has a single breadwinner income of $6,000.00 is above the median of $4,000.00, with 2 children and 2 dependents, aged parents with 6 persons in the household. Household expenses are about $1000.00 per person.
The family with this scenario is similar to the low single income scenario. There is no excess between income and expenses. The Wayside Ministry in this scenario is self and family.

The Double Income Slightly Above Median Scenario with Dependents

This scenario has a double breadwinner income of $10,000.00 with 2 children and 2 dependents, aged parents with 6 persons in the household. Household expenses are about $1500.00 per person.
The family with this scenario is similar to the low single income scenario, albeit with some excess. The income exceeds the expenses by $1,000.00 a month. The Wayside Ministry in this scenario is self and family.
The 3 scenarios above are evidence of why apostle Paul encourages those who are single to remain single (1Co7:8) in-order that they may be able to serve the Lord without the encumbrances of family relationships. Nevertheless, apostle Paul recognized that not all are called to be single as he was (1Co7:7, 7:9).
I know of a family that has also experienced all the above 3 scenarios over their lives. The wife helped her neighborhood friends in need during this period, sometimes in the small sums of money to tie over a difficult period. However, due to her financial constraints, she usually offers nonfinancial help. For example, she would accompany them for medical appointments paying for the transport costs and representing them before the doctors due to language barriers. Another avenue of help was applying for government social aid on their behalf by completing the paperwork and passing the means test interview with the social worker.
Sometimes the help took the form of cleaning up their house that desperately needed upkeep due to their poor physical condition. The wife and her friend would partner with one another in this Wayside Ministry. The above examples show that the Wayside Ministry is still possible without being well off.

The Double Income Slightly Above Median Scenario without Dependents

This scenario has a double breadwinner income of $10,000.00 with 2 children and no dependents, aged parents with 6 persons in the household. Household expenses are about $1500.00 per person.
In such a scenario, the excess per month is $4,000.00. Setting aside 1/3 from this amount to support the Wayside Ministry amounts to about $1,300.00 a month.

Properties and Children’s Education

From my wealth stewardship journey, minimizing debt is a must, and settling one’s debts should be prioritized ahead of the wayside ministry. It is prudent and necessary not to burden oneself with untenable mortgages. Personally, my property had a multiplier of about 3 times the typical household median income (2 working adults = $8,000.00), and the loan was cleared by age 40.
Setting aside sufficient for the children’s education is the responsibility of the parents. The parental Wayside Ministry duties are the family before focusing outside the family.
The question is, how much is too much to allocate for property and education expenses? While the figures cited below are arbitrary, the quantum measured from the median baseline (see post 8) speaks for themselves to convey the excessiveness that Col3:5 calls idolatry (see Post 3 for more on Col3:5).
My convictions that buying properties (the home to stay, which is different from investment, see Conclusion section) and incurring educational expenses that exceed the following would be jeopardizing the potential of one’s soul salvation.

Property should cost the lower of the two

  1. Properties price should not cost more than three times one’s annual household income for those with a household income below the median.
  1. For household incomes above the median, properties should not cost more than 5-6 times (arbitrary number) the median annual household income. The median monthly income in post 8 was about SGD 4,000.00. If inclusive of employer’s contribution, 1-month yearly bonus, and dual-income household, the median monthly household income is about SGD 10,000.00 or SGD 120,000.00 on an annual basis. This guideline places the property prices between SGD$600,000.00 to SGD$ 720,000.00.


Education should cost no more than twice the cost of local university education.
Singapore local university education cost about $30,000,00 to $40,000.00 (excluding medical) for a 3 to 4-year undergraduate degree. See link – https://blog.moneysmart.sg/education/singapore-university-education-cost/
Factoring about SGD$15,000.00 per year for living expenses over 4 years, the total to fund a 4-year undergraduate education in Singapore is about SGD$100,000.00.

For example, if one is considering an overseas education, an Australian education cost about SGD30,000 a year, with the cost of living about SGD$20,000.00 a year. For a 4 year undergraduate course, the total is about SGD$200,000.00.

The Retiree Scenario at No. 6 Wealth Stage (see Post 8 that explains how this wealth stage is determined)

Assume this retiree couple has saved $1,200,000.00, which is about 2.2 times the minimum amount to qualify for stage 6 of the balanced wealth stage mentioned in post 7. Their monthly expenses are $3,000.00 a month.
This scenario assumes the home mortgage is paid off, fully funded children’s education needs, and accumulated 1.2 million in liquid assets. This scenario offers the retiree an adequate foundation to experience the Wayside Ministry. Conservatively, the allocated amount for the Wayside Ministry ranges between $1,000 to $2,000.00 per month to prevent prematurely exhausting the funds.

Practical Help of Wayside Ministry

Physical Help

  1. Offer regular logistical help to meet up doctor appointments, similar to the neighbor or innkeeper model.
  2. Clean the house on occasions, similar to the innkeeper model.
  3. Help them settle administrative matters with the authorities, banking, etc.
  4. Buy food and groceries on their behalf, similar to the innkeeper model.

Financial Help

  1. Start in small amounts such as paying for the meal or pay for the transport cost—low commitment, similar to Jesus’ model.
  2. Provide monthly financial assistance up to a maximum of $500.00 per person. Notably, $500.00 is an arbitrary number close to an individual’s median cost mentioned in Post 7. This number may need upward adjustment according to account for inflation effects and Recipient circumstances. This high commitment is similar to the neighbor model.

Because the financial help comes with NO strings attached, it is needful that the money does not fund their addiction to carnal habits.

Emotional and Mental Support

  1. Be available to Recipient as a friend on equal terms—both able to share details of one’s life vulnerably within the boundary limits.
  2. Offer alternative perspectives while being compassionate with the Recipient’s situation.

Conclusion

Wayside Ministry in the Wealth Stewardship Ecosystem

The Wayside Ministry is a sober-minded approach to wealth stewardship. It prioritizes healthy self-love, family, and dependents. Before one can be a Patron that serves beyond self and family, the Patron must provide for themselves and not neglect family needs. The Wayside Ministry can also assume nonfinancial forms that are valued by the Recipient.
Boundaries of both Patron and Recipient are respected. It is essential to realize that the economic realities, life choices, the worry of the future, and inheritance affect both the Patron and the Recipient alike, as presented in the above visual.
Investment, which can include property purchases, may take priority over the Wayside Ministry. These investments may displace the Wayside Ministry. The individual may gain more control, prestige, and wealth due to these investments at the expense of SOUL salvation and lose out in their eternal life. Jesus mentioned in Mat6:1-6, where Man receives their praise and reward on earth, they risk forfeiting the recognition and reward from God the Father.

Does it mean investing is bad? Of course not. Investment is an integral part of wealth Stewardship. What’s important is the motivation behind the investment and balancing the investment needs with the Recipient’s needs. Each person will receive different divine mandates concerning this balance. Live life with the right reasons to fulfill the 1st and 2nd Commandments, and all will work out for our good who LOVE Him (1st and 2nd Commandment) and called after His purpose (Rom8:28).
These Christian and Wealth Series have attempted to offer guidelines that shine on these “right reasons” to support a more objective self-examination. While it is good to be materially rich in this mortal life, it is wiser that one is rich in the life to come.

Christian and Money Series- Boundaries & Priorities: Part 9

Introduction

Posts 7 and 8 of the Christians and Money Series discussed the hard factors (tangible) of economic realities, the shared economic baselines, and the 2 impediments of the sacred cows of social giving and inheritance. These tangible factors form the natural application’s structural framework to fulfill the RELATIONSHIPS’ goal of soul salvation mentioned in posts 5 and 6.

Post 9 deals with the soft factors (intangible) of relationship dynamics.
The illustration below shows that how the hard and soft factors form the wealth stewardship ecosystem. God’s alternative and Man’s ways have very different goals and means, although both appear to do “good” on the appearance.

 

 

Wealth Stewardship Ecosystem

 

These soft factors involve

  1. Discover the personal boundaries of oneself and the party in-need.
  2. Develop a hierarchy of priorities that’s clear yet adaptable to serve the goals.
  3. Be flexible with the Wayside ministry to suit various life circumstances. (Elaborated in Post 10).

Christians need the harmonized mindset of wise as serpents and harmless as doves to be effective stewards of God.

Boundaries

 

THE NEW TESTAMENT LOVE FRAMEWORK

Self-Love

Jesus said in Mat7:1-5
“Do not judge so that you will not be judged. “For in the way you judge, you will be judged; and by your standard of measure, it will be measured to you. “Why do you look at the speck that is in your brother’s eye, but does not notice the log that is in your own eye?
“Or how can you say to your brother, ‘Let me take the speck out of your eye,’ and behold, the log is in your own eye?
“You hypocrite, first take the log out of your own eye, and then you will see clearly to take the speck out of your brother’s eye.”

In Mat7:1-5, Jesus drew attention to the undesirable nature of actions that attempt to change others’ circumstances while one’s affairs are no better or in worse condition.
While this was in-context of judgment, this principle where one settles their affairs before advising or imposing on others is valid in the area of love.

The 1st and 2nd Love Commandments in Mat22 impose an expectation on Man to love God and their neighbor. This outcome motivates Man to set requirements among themselves. The emphasis is to love God and love their kind, which this series of posts have identified as the RELATIONSHIPS issue that is why Man loves money rather than loving God and their kind.
However, this love demand has biased the reading of Mat22:39, which reads as follows: “ You shall love your neighbor as yourself.” The part glossed over is loving “yourself,” which is self-love. Self-love is settling one’s love affair before loving God and loving others.

 

Jesus recognized Man’s significantly inferior self-love experience and the need to be loved by another before loving others. For this reason, He gave a new commandment in John13:34 where Jesus offered love to humankind as both God and as a man. Jesus showed this love to restore the broken sense of self-love by offering loving acceptance in-place of abandonment. In this way, humanity finds the strength to love themselves, knowing that God as Man loves them to the point of death.

 

It is imperative to anchor in this healthy self-love according to God’s will as a pre-requisite to be free of the enslavement of money, which this post and the past eight posts in this series are attempting to foster.
For a deeper reflection on self-love, the reader can refer to the Self-love Series found in the blog “Relationship” section. I will include the links here once the series is complete.

 

Define Your Boundaries

 

To define one’s boundaries is to gain clarity on what one needs for healthy self-love. One’s boundaries are unique, taking the form of personal and environmental circumstantial factors.

 

Circumstantial Factors – Personal

Personal circumstantial factors are realities that occur leading to birth and early childhood (up to age 6, Berk, 2014). These factors comprise the person’s genetic make-up, temperament, and early childhood attachment. The person has no or very little control over these factors. In scripture language, they are part of the purpose of God. Purpose in the Greek describes the mandatory plan of God.
Circumstantial factors are essential regardless of which wealth stewardship model is adopted. The verse that lends weight to this claim comes from John5:19.

 

“Therefore Jesus answered and was saying to them, “Truly, truly, I say to you, the son can do nothing of Himself, unless it is something He sees the Father doing; for whatever the Father does, these things the son also does in like manner.

 

The key phrases that support this observation are bolded. The word “unless” indicates a condition for action. That action “what the father is doing” fulfills the 1st and 2nd Commandment, which embodies God’s purpose and will. Thus the decision to love one’s neighbor and the manner to show this love is contingent on “unless one sees what the Father is doing.”

 

What does it means “unless one sees what the Father is doing?” It is notable that both the “see” and “doing” are verbs in the present tense. In other words, the wisdom concerning current circumstances determines the impetus for action. The following could be one possible framework for this wisdom

 

It raises the need to observe one’s current life circumstances for patterns or trends, especially in the following areas.

    1. Personality and temperament traits. Introvert or extrovert, meek or prideful, sober-minded or given to impulsivity, coping styles.
    2. The following events that shaped one’s life decisions or life trajectory
      • Learning or developmental disabilities
      • Major illness or death of loved ones
      • The quality of early childhood attachment or lack of that thereof.
      • Gifts and skills.

 

Observe for Patterns that Create Arching Themes

 

The pattern emerging over time and space usually forms themes within one’s lot in life. Commonly multiple themes coexist, but they manifest as primary or secondary and manifested or suppressed.

  1. A sad theme.
  2. A happy go lucky theme.
  3. A lonely theme.
  4. A social theme.
  5. A materially poor theme.
  6. A materially rich theme.

Whatever the life circumstances and themes may be, they are what the Father has DONE and STILL doing in each person’s life. To see these patterns and themes in one’s life is necessary before embarking on seeing what the Father is doing in others’ lives.

Patterns and themes form the boundaries of one’s life, and another’s life. Boundaries will feature later as key to be wise when doing good (remember the Christian character’s duality in post 7.

 

Circumstantial Factors – Environmental

Circumstantial environmental factors are events that occur from middle childhood up to the point of death. In these life stages, these events are increasingly within the person’s control. It is subjective to include middle childhood and late adulthood as circumstantial environmental factors. Middle childhood and late adulthood could also be part of the personal circumstantial factors due to the low levels of individual control over their events.

 

Central to what constitutes circumstantial environmental factors is the element of choice and the free will to make those choices. Such factors would fall under the will of God. The Greek meaning of will (Thelema) describes the desirable optional plans of God.

The following are examples of circumstantial environmental factors:

  1. The characteristics of one’s adult family relationships constitute circumstantial environmental factors. These relationships include parents, siblings, spouses, and children.
  2. Other nonfamily relationships that constitute environmental factors are business partners, significant peers.
  3. Major illness or death of loved ones
  4. Educational opportunities.
  5. Loss of employment.

These circumstantial environmental factors contribute to the reshaping of the individual’s circumstantial personal factors.

 

The significant difference between the Recipient’s (person in need of help) and the offeror is the scarcity of available information on the Recipient’s part. It takes time and mutual trust to construct the story of their life circumstances. The Recipient’s life circumstances likewise will produce emerging patterns and themes.

Commonly, such information is obtained indirectly by inferring observed clues and cues over time. Consequently, they are incomplete, an approximation of the facts, and subject to change.

 

The Holy Spirit is the believer’s helper in this instance. The Holy Spirit grants the believer access to God’s mind (1Co2:16). Because the Holy Spirit is the wisdom of God (2Co2:13), She helps Man to search out what God has concealed (Pro25:2). Life is one long continuous unveiling of God’s life parables for each individual. Therefore, the Holy Spirit’s wisdom and what She reveals are indispensable for Man to search out what God has purposed and willed for the Recipient.

Discovering the Recipient boundaries is a time-consuming iterative process, the test of patience that requires perseverance, and most importantly, the wisdom of a serpent and dove to navigate the mutual boundaries.

 

Combining the Personal and Environmental Circumstantial Factors (To be Wise as Serpents)

 

Wise as Serpent

 

How does this testing meld with the boundaries mentioned earlier? In the course of stewardship, one needs to look for alignment between the following.

  1. Understand your boundaries and emerging themes.
  2. Understand your neighbor’s boundaries and emerging themes.
  3. Test God’s will in the various life context presented.
  4. Review the result of the testing.
  5. Observe the kind of patterns emerging from several testings.

This alignment is to explore the following in the course of the Wayside ministry.

  1. Identify areas of harmony and conflict where the boundaries interface and overlap concerning the 1st and 2nd Commandments.
  2. This harmony and conflict management is similar to what God has done concerning balancing His Love and Justice needs (see Post 6).
    1. Does it support loving God?
    2. Does it support loving self?
    3. Does it support loving the neighbor?
  3. In the context of the testing results, observe for patterns; they are God’s hidden message.
  4. Prayerfully; Seek scripture for guidance, seek the rest in your soul to confirm, and seek counsel from like-minded Christians in this order of priority. These 3 seekings support the focus and clarity of realizing God’s will observing how the harmony and conflict of boundaries resonate with God’s hidden message.

 

God and Man are Balancing Love and Justice

 

Ultimately, God’s balances His love and justice and His free will with Man’s free will. He decides the appropriate proportion of love, justice, free will for Himself, for you, and the neighbor in this balance. It is also needful to point out that the balance is not necessarily static with time and is often a moving target. The Wayside Ministry in post 10 will offer examples of how this balance of boundaries may look like in practice in the Boundary Concerns section.

Only God is qualified to oversee this unimaginably complex endeavor that occurs over time and space across countless lives, like interlinked webs, each of which is invaluable to God. Furthermore, God is not operating randomly; His 2 Commandments bind Him, and He has an overarching purpose-goal for His Kingdom and each individual.

 

In summary, the advice by Jesus to be “wise as serpents” and Paul to be “wise in what is good “is a partnership with the Holy Spirit in the process narrated above.

The verse that impresses me the most concerning being harmless as doves come from Phil4:8.
“Finally, brethren, whatever is true, whatever is honorable, whatever is right, whatever is pure, whatever is lovely, whatever is of good repute, if there is any excellence and if anything worthy of praise, dwell on these things.”

See the series on self-love for the reflection of this verse. The author’s opinion is that being harmless as a dove is more demanding than being as wise as a serpent. And the most demanding is harmonizing the serpent and dove needs. See the Boundary Concerns in the Wayside Ministry Section for guidelines on harmonizing the serpent and dove needs.

 

Priorities

The recurring theme of this series of posts is RELATIONSHIPS.
RELATIONSHIPS are not only the focus but also the priority of God that drives His purpose and will. God is omnipotent and omniscient, sees the need for focus and priority; He does not spare Man this need. This section explores Man’s priorities in light of the RELATIONSHIPS.

 

 

 

Setting Priorities

This post has adapted (with modifications in non italics) the list of priorities from Elizabeth George’s book, A Woman After God’s Heart. My wife subscribes to this book’s many insights, which has blessed our marriage with harmony and effective partnership. The list shows the priorities in order of importance.

  1. Prioritizing God (1st Commandment and New Commandment) by focusing on internal soul growth (Post 6 shows that soul salvation best represents the 1st Commandment) to form a relational attachment with God. For attachment measures the quality of love with God. See the self-love blog series for the narrative of how self-love contributes to attachment with God.
  2. Prioritizing your soul salvation by prioritizing
    1. Your husband/wife
    2. Your children
    3. Your dependents
    4. Your home
    5. Your Wayside Ministry narrated in post 10 that engages with the various life scenarios.
    6. Prioritizing your other activities, including work, hobbies, socializing.

All the above priorities are expressions of the 1st and 2nd Commandments. God in the New Covenant has the relationship focus. God introduced Himself as Father (Mat5:16 ), Jesus as Elder Brother (Mat28:10), Jesus a friend (John15:15), Jesus as the bridegroom (Mat9:15), and the Church as the bride of Christ (Eph5:25-27). All these relationship facets are to fulfill the 1st and 2nd Commandments of love.

God naturally occupies the 1st spot in the priority list. After that, direct family members, wife, and children come next on this priority list. 1Timothy5:8 condemns family breadwinners who fail to provide for their household as having denied their faith in Christ and behaving worse than a non-believer. This judgment ranks among the most extreme ever passed by apostle Paul. Even the man in Corinthian Church who fornicated with his stepmother in 1Co5 did not receive such an indictment. Apostle Paul’s response in 1Tim5:8 is indicative of the importance God places on the husband in the context of that day, to fulfill his responsibilities to provide food and shelter for their family.

The Wayside Ministry comes at 6th position in the priority list. This list’s exception occurs when one does not marry and dedicate their lives to Christ, such as apostle Paul. In such cases, the simplified priority list looks something like this.

  1. Prioritizing God (1st Commandment).
  2. Prioritizing your wayside ministry.
  3. Prioritizing your home. This priority is about self upkeep, feeding oneself. E.g., Apostle Paul was a tentmaker (Act18:1-4), earning his keep while performing his duties as an apostle.
  4. Prioritizing your other activities.

 

Conclusion

This post has proposed that boundaries and priorities are the ways of the serpent sanctioned by God. They are circuit breakers or checkpoints of sober-mindedness that reminds both Patron and Recipient that it is the best effort and no one is forcing another in this relationship.

Post 10 will expand on how these boundaries and priorities feature in the Wayside Ministry Model.

 

Reference

1. Berk, L. E. (2014). Development through the lifespan (6th ed.). Upper Saddle River :NJ; Pearson Education, Inc.

Singapore Wealth Landscape: A Layman Assessment

Introduction

 

Net Worth – What Does it Mean?

 

Mothership released an article about Singapore’s wealth statistics on 5th January 2021. This article revealed some statistics based on the report issued by Credit Suisse 2019 Global Wealth Report.

This post has the goal to share insights based on some of the wealth figures from this article. These insights bear significance which countries and individuals can benefit if they can realize them.

To access this article, click on this link – https://mothership.sg/2020/01/singapore-millionaires/

 

Singapore Wealth Report (In the Rich Range)

 

Singapore Summary Wealth Report (2019) provided by Credit Suisse

 

The above reveals that about 5% of Singapore’s population (226,000) is in the top 1% of global wealth holders. The article defines this wealth as total net wealth, including the family’s primary home. The net wealth naturally needs to exclude all manner of debts

Households Statistics by the Singapore Department of Statistics

 

The above 2019 data reveals that about 21.2 % of households reside in Condominium and Landed Properties. See the following link to access this data – https://www.singstat.gov.sg/find-data/search-by-theme/households/households/latest-data.

The same link from Singstat shows that the average household size was 3.16 in 2019. Assuming all the individuals in the 5% segment of the population were single-income households (which is a very conservative assumption) gives us a household population of 714,160 (216,000 x 3.16) that represents this 5% category. Notably, a news article in 2016 revealed that 53.8% of married couples were double income. See the following link for the news article – https://www.straitstimes.com/singapore/getting-more-to-be-dual-income-couples. This household population of 714,160 out of a population size of 5 million is about 14.3%.

It was needful to determine the top 5% of the wealthiest household size of 14.3% in Singapore to compare with the 21.2% of the household that lives in private properties. This difference shows that about 6.9% of the homes are living beyond their means.

Average Property Prices Reported by Today Online 11th April 2019

 

The article from Today newspaper revealed that the average property price is about USD874,372.00 See link for this article –  https://www.todayonline.com/singapore/singapore-worlds-second-most-expensive-housing-market-cbre-report.

According to Credit Suisse’s report, to qualify for Singapore’s wealthiest top 5% of the population, the net worth needs to be at least USD936,400.00.

The difference between these two values is about USD62,028. Those who barely qualified for the top 5% category would have about 93.4% of their wealth trapped in their property. With the rest of the wealth in cash, the government forced savings called CPF and other investable forms.

 

We can draw two observations at this juncture

  1. The difference between 21.2% of households living in private properties and 14.3% of the wealthiest household in Singapore is about 6.9%. 6.9% at the rich spectrum, about 345,000 of the 5 million population live beyond their means at the rich range.
  2. The above 6.9% will double if half of the 5% wealthiest segment are double-income households, which is still a very conservative assumption, given that 53.8% of married couples are double income.

The observations above infer that a third to about half of the private property owners overcommit to their properties.

 

Singapore Wealth Report (In the Median Range)

The median wealth better represents the average wealth due to the ultra-rich that skews the MEAN wealth value towards the spectrum’s wealthy end. Thus the median wealth of USD96,967 converts to about SGD126,057.

HDB Flat Type and Average Price

 

See link – https://blog.seedly.sg/what-type-of-hdb-flat-can-i-afford/ the above table.

Since about 80% of households stay in HDB, it stands to reason that most of the wealth reported is locked in the form of the HDB value. The value of SGD126,057 would indicate that most HDB dwellers (median effects) are residing in the 3-Room and 4-Room flat type, which is another factual observation that reinforces the connection between the reported median wealth by Credit Suisse and the outcomes on the ground. Given that the average CPF balance is about SGD77,000 (see link – https://www.cpf.gov.sg/Assets/members/Documents/CPFTrends_Net_Balances_2015.pdf) in 2014, and accounting for the value of the HDB, it appears that the median Singaporean would not be cash-rich.

An important point to note is the HDB’s success in providing a stable living environment for the average Singaporean. The “smart” thing to do is to avoid buying HDB at high valuations to maximize the cash and CPF wealth components down the road. The necessary thing to do is to continue working as long as possible if passive income cannot cover living expenses.

 

Singapore Wealth Report (In the Poor Range)

 

 

The post lifted off the above from weblink shared in the Introduction section.

This population segment likely does not own any HDB and/or is living with someone else or in a rented HDB. It is also likely this segment can qualify for social aid from the government.

 

Conclusion

This post using public domain data has painted Singapore’s economic landscape with findings that part of the population’s wealthy segment has likely overcommitted to their property aspirations. In contrast, the population’s median wealth segment has significantly benefited from the HDB scheme. The poorer segment of the population will foreseeably need government assistance to alleviate their financial situation.

 

 

 

 

Christians and Money Series- Natural Applications 2 (Sacred Cows): Part 8

Introduction

Post 7 of the Christians and Money Series framed Man’s economic realities and shared economic baselines. These natural realities and baselines frame money stewardship. Post 8 aims to slaughter two sacred cows used as excuses and reasons to sustain wealth stewardship’s current status quo, which is self-serving.

The Sacred Cows of Social Giving and Inheritance

The Mina parable exposes the 1st sacred cow of social giving as the least favorable of positive outcomes.

The second sacred cow is the holy cow of inheritance.

These 2 sacred cows have a long history and deep backing from society. The evidence of the lofty positions occupied by these 2 sacred cows shows Man’s failure to reciprocate to God’s appeals (see Post 4) to value RELATIONSHIPS (see Post 5 and 6).

 

The Parable of the Minas

Minas Parable (Uploaded from http://www.lambsongs.co.nz.)

The parable of the Minas in Luke 19:12-27 involves 10 servants, one Master who goes on a long journey, and the third servant was the unfaithful servant. The 4th to 10th servants were not involved in this parable.

Notably, Matthew’s parable of the Talents (Mat25:14-30) parallels the Minas with similarities and significant differences. The comparative study of these two parables yields many diverse and sometimes nonagreeing views. This post has interpreted the Talent’s parable as relevant to the Jews while the Minas applies to the Gentiles. This distinction is partially due to the traditional view that Matthew has a distinct Jewish slant(see link – https://www.pbs.org/wgbh/pages/frontline/shows/religion/story/matthew.html) vs. Luke takes a more gentile flavor (see link- https://www.pbs.org/wgbh/pages/frontline/shows/religion/story/luke.html).

The second reason is the nature of punishment present in Matthew is more aligned with the old covenant terms corresponding to the Jews. In contrast, punishment for the unfaithful servant is absent in Luke’s account of the Minas due to the new covenants “grace” nature.

 

 

 

Luke Minas’ parable offers relevant insights as follows.

 

  1. The parable has the context of a master going on a journey and returning.

The Master is Jesus (Scott, pp. 220,1990), who has on a journey (ascended) to a far country (heaven), gave instructions to do business till He returns and returning to hold His servants accountable in His 2nd coming (Mat25:19).

 

  1. The parable focus on the faithfulness of the first, two servants

All the servants were given one Mina each and instructed to do business.

 

The master rewards corresponded to the servants’ business profit. The Master rewarded the one who earned 10 minas with 10 cities and rewarded the servant who earned 5 minas with 5 cities. One Mina is equivalent to 3 months’ wages. (http://www.orthodoxyork.org/the-parable-of-the-talents.html)

 

  1. The parable focused on the unfaithfulness of the third servant and the Master’s bottom line.

The unfaithful servant had a negative image of the Master as exacting and harsh but spoke His mind, either foolishly or hypocritically, to make this negative image known to his Master. If this image was correct and this 3rd servant believed it, he would not have neglected his stewardship by placing his Mina in a handkerchief, a picture of neglect and uncaring attitude that did not value the Mina entrusted to him.

The Master forfeited the 3rd servants’ Mina by giving it to the 1st servant, but his punishment went no further. The Master also rebuked the 3rd servant that he could have at the very least placed the money in the bank (a 3rd party) to earn interest rather than keeping it “hidden” in a handkerchief (Luk19:23).

 

The above supports the following lessons on money stewardship.

  1. Jesus left instructions for His believers to do business during the period He has ascended to heaven. This business involves

 

a. Jesus gave each person a mina. In this parable, Mina is 3 months’ wages. For this post’s natural application, this Mina represents a person’s lot in life. This lot consists of a person’s life history gifts, handicaps, opportunities, and threats presented in life circumstances. It is more than just money or wealth.

 

b. Jesus has expectations that each person acts in faith to use the Mina to do business with the world. This faith is one that expects Jesus’ return that requires accountability on the individual’s part. This faith also requires one to engage actively with the world to multiply that one mina into many minas.

 

  1. The reward far exceeds the effort of doing business. 10 minas, which is equivalent to 30 months of wages, is far inferior in value than the reward of 10 cities.
God’s Bottom-Line
Photo by Hild Nordal on Stockvault

3. Jesus presented God’s bottom line with regards to stewardship

                                                                         

a. Doing nothing (in this case, hiding the Mina in a handkerchief) is not acceptable. The punishment is a rebuke and confiscation of the Mina earlier given. Jesus gave no further penalty. Note the servant was not mentioned together with the slaying of the city’s enemies (Luke19:27).

 

b. The next best thing to doing nothing, deemed neglecting ones’ stewardship duties, is giving the Mina to a 3rd party to do business on their behalf to earn interest on the Mina. This post interprets this 3rd party as the institutions mentioned earlier- charitable organizations, Churches are the most commonly recognized. These institutions are 3rd parties because the end-user (person in need) most likely remains a stranger to the individual who has given that Mina. The mina owner has not exercised direct love-based Faith in God (1st Commandment) using the Mina to connect relationally (2nd Commandment) with the end-user with sincere love.

 

This post coined the terms passive stewardship (passing the Mina to a 3rd party to do business with) vs. negligent stewardship (hiding the Mina in a handkerchief)

 

Social Giving

Passive stewardship is a type of social giving that is impersonal to the end-user and profit-seeking. The profit gained is the appearance of having done business but devoid (similar to the caution in 2Tim3:5) of the risk, uncertainties, and effort arising from the complexities of active relational love with God and Man. That is the self-benefit of placing one’s Mina with the charitable organization or with the organized Church (be it in the form of tithes or offering). Social giving is akin to subcontracting out the 2nd Commandment.

 

This norm of social giving has gained such momentum that it has become the gold standard to demonstrate love and faithfulness to God and Man. This outcome has effectively supplanted the pure form and substance of the 1st and 2nd Commandments. Love and faith have been socialized and industrialized.

 

This Christian and Money Series focuses on prioritizing direct giving with the elements of mutual relational faith and sincere love engagement with the person or persons receiving help. However, it does not mean an anti-social giving position is adopted. What it means, a larger proportion needs to be in direct giving as the primary focus, and a relatively smaller balance is in social giving as the secondary focus. The slaughtering of the sacred cow is by prioritizing this focus.

 

Post 9 will explore guidelines to formulate this proportion according to one’s boundaries and God’s will.

 

The Sacred Cow of Inheritance

Slaughtering the Sacred Cow of Inheritance

After 7 cycles of 7 years per cycle, where each cycle at the 7th year is a Sabbath year, the 50th year is very significant. This 50th year is called the year of Jubilee. Jubilee marks the land’s return to the original landowners and freedom for any Israelite sold as servants/slaves (Lev25:8-13). God’s resetting land ownership and servant/slave ownership. Although Israel has abandoned this practice since 600BC  (see link – https://en.wikipedia.org/wiki/Jubilee_(biblical)#:~:text=The%20biblical%20rules%20concerning%20Sabbatical,been%20observed%20for%20many%20centuries.&text=Thus%2C%20with%20the%20exile%20of,Jubilee%20has%20not%20been%20applicable.), God has the intention to disrupt the unimpeded accumulation of wealth in the hands of the powerful minority. Doesn’t this intention resonate with the natural application of post 7?

 

Since Man has a limited life span, earthly wealth accumulation is designated to maximize the inheritance quantum. The desire for inheritance is original with God and also encouraged (Pro13:22). However, this similarity breakdowns beyond this desire. God’s methods to realize this inheritance and what makes this inheritance valuable are at odds with Man’s.

The Christian, thru Jesus Christ, is God’s inheritance (Eph1:18). This inheritance is the relationship of being a son (Rom8:15) to God the Father. Unsurprisingly, this son-Father relationship repurposes the 1st Commandment, taking it from an impersonal level to familial status. For Jesus has fulfilled this Commandment’s demand on man’s behalf, reconciling man with God as Son and Father (2Co5:18).

 

God the father paid a tremendous personal cost for this reconciliation. This aspect is the first point to raise, which contrasts against man’s means to accumulate earthly inheritance. Man’s inheritance usually exacts the higher cost from others to build their estate. The second point is God values Man directly as His inheritance. Whereas, Man values their relationships using material possessions to express this value.

 

Considering Jubilee’s year and how God realizes and values His inheritance, the current inheritance goal to maximize quantum is NOT God’s will. This post asserts that inheritance maximization is the will of Mammon.

 

The New Wealth Redistribution Model

To fulfill the 2nd Commandment, loving oneself as one’s neighbor, setting aside an equal portion of as inheritance, and use setting aside a similar amount for the self would stand the scrutiny of equitableness. The above illustrates this redistribution of one’s wealth to align with the 2nd Commandment.

Post 9 will explore the difficulties arising from this simplistic division of one’s wealth.

 

Conclusion

 

The Stowaway Passengers of The Sacred Cows of Social Giving and Inheritance

Two stowaway cows detract Man from the wealth stewardship that God desires. These two cows have long gained residential rights and some level of authority over this stewardship. Taking stock of them is a crucial step to keep their jurisdiction at levels that make sense to the stewardship that God desires. Social giving and matters of inheritance are means for Man to realize the love RELATIONSHIPS and not for Man to serve them as Masters.

 

The clouds in the above visual are beyond Man’s control and experienced as an uncontrolled event.

The anchors are within Man’s sphere of control as they represent his life choices.

The following, based on the above visual, is in-partial control.

  1. The Shark of worry
  2. The Mermaid of the temptations of wealth.
  3. The Cows of social giving and inheritance.

 

This control is Man’s prerogative to exercise some measure of choice.

 

 

Christians and Money Series- Natural Applications 1 (Economics): Part 7

Introduction

This post 7 of the Christians and Money Series aims to explore economic aspects of natural applications to deal with wealth in-light of the realizations that have emerged over the last 6 posts. The flow of this post will be as follows

  1. The basic assumption section lays the foundation that underpins natural applications. These assumptions draw from the previous posts.
  1. The reality check section attempts to define the shared economic baseline from which self-examination can take place. This self-examination provides clarity regarding one’s financial reality and aspirations. (Item 1 and 2 in Post 7)
  1. The Minas’s parable (mentioned in post 6) reveals wealth stewardship and the shortcomings between social giving and active faith
  1. This section sacrifices the sacred cow of “Inheritance” by comparing it to RELATIONSHIPS’ focus and value. (Item 3 and 4 in Post 8)
  1. This section discusses the practical Issues of wealth stewardship and adopting the blend of the Wayside Ministry. (Item 5 in Post 9)
Economics of Wealth Stewardship Photo by Evangeline Shaw on Unsplash

As this post focuses on natural applications, the following sections would appear to offer financial advice, property purchase advice, and wealth management advice. This appearance is unfortunate and difficult to avoid. The natural application draws approaches from the secular domain to identify the metrics to quantify personal wealth situation and economic pursuits relative to the median baseline.

This post 7 is NOT offering any expert advice. Post 7 natural applications are similar to the post 6 goals, creating awareness and supporting new valued-perspectives while laying to rest old ones.

Natural Applications will be divided into 3 parts to promote readability by limiting the post word limit to around 2500 words or less. Post 7, Natural Application 1 will narrate items 1 and 2. Items 3 and 4 will be in post 8, Natural Application 2, while item 5 will be in post 9, Natural Application 3.

Basic Assumption

The natural applications of money could appear naïve to the casual reader. Therefore it is necessary to clarify the underlying assumption with the hope the reader can share this assumption.

Is Christian LOVE Laughable and Naïve? (Photo by Lidya Nada on Unsplash)

The assumption is to focus on and value God’s 7 appeals in post 4, summarized in one word, RELATIONSHIPS. Posts 5 and 6 expanded the meaning and significance of these RELATIONSHIPS. If the casual reader cannot assimilate these appeals, meaning, and importance as values, the reader will find the ideas floated in this post 7 as laughable and naïve.

The reason being is that these ideas make one vulnerable to be taken advantage of. This truth and fact are unavoidable. Jesus’ allowed Himself to be taken advantage of by humanity when He submitted to His Father’s will to die at the cross. Moreover, God the Father’s offer of Jesus has been rejected and scorned by many.

The world ridicules such naivety, which contradicts Peter in 1Pet2:19-23, who said suffering wrongfully while doing good is commendable before God because God the Father and Jesus have set Themselves an example for the believer to emulate. Notwithstanding this, God realizes the associated risks. There are two safeguards against these risks.

  1. Internally, believers need to entrust themselves to the hands of the faithful Creator, Father God, (1Pet4:19), the Shepherd (The Lord Jesus), and overseer of the soul, the Holy Spirit (1Pet2:25). This entrusting involves the triune God, shows the severity of the matter.

Entrusting requires the believers to be clear and convicted (Faith) of the hope of heaven as a goal-purpose (1Pet1:3, 1Co15) while pursuing a meaningful and significant relationship with God and Man as Family while on earth.

In such matters, God is the believer’s vengeance seeker (Rom12:19), defender and strength (Psa28:7), and source of honor (Rom10:11).

The Duality of Christian Conduct
  1. Externally, Jesus urged believers to be as wise as serpents and harmless as doves (Mat10:16). Rom16:19 offers Paul’s interpretation, “to be wise in what is good and simple concerning evil.” The Wayside Ministry section of Boundary Concerns will explore the understanding and clarity of what constitutes good to mediate the harm of being taken advantage of.

In summary, believers need to be ready to be taken advantage of and suffer wrongfully. Therefore, It requires one to trust God where faith, hope, and love are operating. Knowing about this “good” that one is doing is wisdom to navigate the treacherous terrain of the 2nd Commandment of loving one’s neighbor as yourself.

Reality Check

This section is somewhat technical. I encourage you to go thru this exercise as an attempt at honest self-examination. This exercise is more rigorous than the reality check of post 1.

SHARED ECONOMIC REALITY Photo by MAX LIBERTINE on Unsplash

This section clarifies the economic reality to create a shared economic baseline for the reader. Man’s economic reality is a by-product of man’s will (choice) and their environment (life circumstances of time and chance). The assumptions of the previous section anchor the reader as they progress along with this post. The following economic realities form the basis to develop the shared economic baseline.

  1. The median take-home income.
  2. The median cost of living.
  3. The poverty threshold to qualify for social aid.
  4. Affordable housing to accommodate a 4-6 person family size.

I am taking Singapore (location specific), where I reside, as an example to determine the 4 economic realities.

Four Measures of Economic Realities

The median take-home income

The individual median take-home income (2019) is $4,000.00. See link for data source- https://stats.mom.gov.sg/Pages/Singapore-Yearbook-Of-Manpower-Statistics-2020-Income-Earnings-and-Wages.aspx.

The median cost of living

Cost of Living Figures (2018)

The individual median cost of living, excluding rental and housing loans, is $1,200.00. The 4th quintile number is adopted to represent the average cost better. Notably, the 20th quintile is $50 less than the value of $650.00, below which one can qualify for social aid.

The cost of living was computed from the following link. https://www.moneyowl.com.sg/articles/how-much-do-i-need-to-retire-in-singapore-and-how-do-i-build-my-retirement-income-stream/.

The Poverty Threshold to Qualify for Social Aid

Social Aid

Singapore’s Ministry of Social and Family Development means-testing to qualify for social aid is not more than $650.00 per person and below $1,900.00 per household. See link- https://www.msf.gov.sg/Comcare/Pages/Public-Assistance.aspx

Affordable housing to accommodate a 4-6 person family size

Wiki developed the above data. See link –https://en.wikipedia.org/wiki/Median_multiple. It shows how to gauge whether housing cost is affordable or not.

HDB Flat Type and Average Price

About 80% of Singaporeans live in government-built flats call HDB flats. Private properties cost more than 5 times on a per square feet basis than HDB flats. See the link for the 80% statistics (https://data.gov.sg/dataset/estimated-resident-population-living-in-hdb-flats?resource_id=a7d9516f-b193-4f9b-8bbf-9c85a4c9b61b). The above data shows HDB flats cost is as per the link – https://blog.seedly.sg/what-type-of-hdb-flat-can-i-afford/

Four Economic Metrics to Form the Economic Baseline

Shared Economic Metrics

Based on the above data, one can develop the following 4 metrics to frame the property aspirations, wealth stage, and standard of living against the median baselines
Determine your living expenses multiplier per persona as a multiple of the median $1200.00 a month per person (average retiree living standard).

Note the $1,200 denominator excludes rental, mortgage, insurance, car loan/maintenance, and education. This value is for the retirement stage of life.

My multiplier W= 1.3 as it includes insurance. This measure quantifies how much beyond or below is one’s living standard relative to the median living standard of a retiree in Singapore. This value of 1.3 means I am living by 30% above the median living standard.

Determine your minimum living expenses multiplier per persona as a multiple of the minimum $650.00 a month per person (below which qualifies for social aid)

Note the $650 denominator excludes rental, mortgage, insurance, car loan/maintenance, and education. This number is the amount below which one qualifies for social aid.

My multiplier X= 2.4 as it includes insurance. This measure quantifies how much beyond or below is one’s living standard relative t the median living standard of a retiree in Singapore. This value of 2.4 means I am living by 140% above the minimum living standard.

Determine your selected house cost as a multiplier of the cheaper housing cost that can accommodate the same number of residents

The median household income of 2 persons, which gives a value of $8,000.00, is the denominator. Therefore, my Z=2.92. This Z value placed the property purchase within the affordable range of 3.0 and under.

Determine the Wealth Stage

Moats Approach

Wealth Stage, Z1 comprises of two values

  1. The 1st value, Z1-1, is the stage of wealth that ranges from 1 to 10.
  2. The 2nd value is the multiplier of, Z1-2

Determine your stage of wealth using the metric suggested by Investment Moats, reproduced above. See web-link. (https://investmentmoats.com/financial-independence/level-of-wealth-financial-freedom/)

Notes to the Table Above

  1. The 1st column from the left of the table above reveals the wealth stage.
  2. This post created the other 2 columns by applying the median standard of living baseline of between $1,200.00 to $1,500.00 per person per month. This table adopted a higher baseline for retirees due to higher health care costs.
  3. The computation of the wealth assets and cashflow is conservative as it does not account for income from government and insurance annuities.


Balanced Wealth Stage Approach

The balanced approach below adopts a total drawdown to exhaust the accumulated wealth within 30 years to contrast this relentless pursuit of wealth accumulation. To determine this drawdown rate, use the calculator from this link – https://www.noelwhittaker.com.au/resources/calculators/retirement-drawdown-calculator/.

Notes on Table:

  1. $550,000.00 as the retirement kitty is a very achievable target if employment income occurs at a median of $4,000.00 a month and both couples work till age 55-60 even after factoring education needs for the children assuming local university education.
  2. The median cost of living (3rd column) is used to derive the wealth stage median value (2nd column).

Z2 comprises of two values

  1. The 1st value, Z2-1, is the stage of wealth that ranges from 1 to 7.
  2. The 2nd value is the multiplier of Z2, Balanced Wealth Stage Multiplier, Z2-2

Z2-2 gives the excess or deficit of one’s Wealth Status baselined against the Balanced Wealth Approach as the median.

For example, if the net worth is $1,000,000.00 in investable wealth occurring at the stage of wealth, Z2-1=7, the multiplier, Z2-2= 1.8 times the 7th stage median value.

These numbers relate to individuals with the median or above earning capacity. The Wayside Ministry section will address this reality in-context of money stewardship for individuals with earning capabilities less than these numbers.

It is also timely to recall that previous posts established wealth addiction afflicts both the wealthy and the poor alike. It is not the amount of wealth or poverty, but at the heart of this addiction is the unresolved RELATIONSHIPS issues. It is Man’s heart condition.

Conclusion

Rich and Poor Shared Economic Realities and Economic Baselines

Economic realities are environmental forces that confront both the rich and the poor. However, personal decisions determine each person’s economic baselines. The picture above used anchors to represent economic baselines, and the boat represents each person’s life. These anchors offer stability, but it also prevents a person from moving on. These anchors can also weigh down the boat and contribute to the boat sinking in the most extreme circumstances of oversized anchor weight. The anchors are necessary, but Man needs the wisdom to determine the suitable anchor weight and number of anchors

Post 9 will offer perspectives to consider suitable anchor sizes and the number of anchors used in different life circumstances to illustrate natural application in action.

Christians and Money Series- Spiritual Application: Part 6

Introduction

Post 5 of the Christians and Money Series concluded RELATIONSHIPS issues are at the heart of Man’s helplessness to serve two Masters, God and Mammon.

This Post 6 frames the spiritual application of the Christians and Money Series. Due to each post’s word limit, there will be a Post 7 to articulate the natural application to support Man’s goal to serve God and not Mammon.

Post 6 is content-heavy. Further aggravating readability, the subject matter is complicated and abstract, which challenges clarity to see how the parts are gathering together as a whole. It is challenging to feel comfortable in a big forest with diverse flora and fauna.

 

The first section, Awareness and Creation out of Destruction, clarifies that the goals set out in Post 1 were met by seeding awareness to create the required focus and shift in values to support God’s Alternative that restores the RELATIONSHIPS. See Post 3 and 4 for details of these RELATIONSHIPS.

The second section, Individual Hope vs. Collective Hope, reveals money’s spiritual application, which is the individual’s goal of soul salvation. God uses money and RELATIONSHIPS as the context to test Man’s soul to save the soul. This section explains the nature of spirit, soul, and body salvation to avoid confusion among them. This section also describes how the new covenant’s soul salvation is different and more valuable than the old covenant in-terms of approach and outcomes.

The third section, Soul Salvation and Money, offers why soul salvation is essential to fulfilling God’s and Man’s core interest.

I found Post 6 very challenging to narrate compared to the other posts. It is foreseeable that Post 6 will evolve as a live document to reflect these challenges.

 

Awareness and Creation out of Destruction

Post 1 mentioned that this series has 2 goals. It will be helpful to see how the previous 5 posts have supported these 2 goals.

Awareness is the Seed of Realization and Intention
  1. The 1st goal mentioned in Post 1; These series create awareness of the deceptive relationship with money. Man can avoid the eternal consequences that the current norms bring.

In-summary Posts 1 to 5 have shown that, instead of focusing on the RELATIONSHIPS, Man has created surrogates, such as money, to substitute the RELATIONSHIPS God offered. Men find comfort through these surrogates to free themselves from the worry of the future and provide a sense of purpose and meaning on earth, albeit temporal, hedonic, and suffer marginal utility. Man’s choices carry the weight of eternal consequences.

Realizations Sift the Chaff of Man’s Realities from God’s Realities (Photo by TUAN ANH TRAN on Unsplash)

This new awareness seeds new realizations. This seeding is possible because awareness sifts the chaff of Man’s realities from God’s. For the chaff has deceived Man’s senses with an apparent value that’s temporal and pleasure-seeking, diminishing the eternal value of RELATIONSHIPS.

The clarity of this awareness helps Man to look away from future worries and focus on God’s promise to provide for their future needs.

This approach draws from the same truth of the parable of the sower in Mat13. These series are sowing seeds in the heart of readers.

Breaking to Create
  1. The 2nd goal mentioned in Post 1; This series supports the Christians’ walk to break out from the world economic system’s mold. It is making stronger connections between scripture, societal stance, and personal practical application.

In-summary Posts 1 to 5 have shown that surrogates dominate Man’s relationships through institutionalization, affecting the secular, religious, and personal domains. These institutionalized relationships being bureaucratic and social, are transactional and profit-seeking.

Breaking the existing mold supports the shift from what the heart used to value, which is the temporal pleasures of this world, but instead to appreciate the eternal rewards and divine glory. Often money is the means to attain these temporal values. Likewise, God uses money as the context for achieving His alternative to restore Man’s broken RELATIONSHIPS.

This idea of creation emerging from Destruction is original with God (John12:24).

 

Individual Hope vs. Collective Hope

However, Post 5 ended on a despairing note of the unavoidable Age of acute mortality of Mat24:7 and Luke21:10-11, naturally posing the question – Why may one ask, what is the purpose of this Christian and Money Series since the bitter end appears inevitable?

Individual Hope vs. Collective Hope

Notwithstanding the grim events of Mat24:7, this new focus and shift in values are the foundations to support SOUL salvation, which is the spiritual application of money. It is needful to recognize that soul salvation is an individual experience and not for collective humanity.

Humanity lacks the collective will to change its current trajectory of self-harm and destination of self-destruction. Therefore, humanity foreseeably continues to meander in its self created domain of darkness.

 

Born Again Spirit-Saved Soul-Resurrected Body

 

What is soul salvation? Post 3 briefly introduced the concept of Soul salvation. Firstly, God has offered Man three types of salvation that correspond to Man’s spirit, soul, and body. Collectively, they represent God’s plan for Man to attain divinity.

John3 explains spiritual salvation occurs when the spirit is born again begat by the Holy Spirit (John3:6). Spiritual salvation is a gift of God (Eph2:8-9), obtained by confessing that Jesus is the savior (forgiveness of sins) and believing in His resurrection, according to Rom10:9 and Heb10:12. Spiritual salvation guarantees a place in heaven. See the post “Once Saved Always Saved: Proof” for a deeper understanding of the scriptural basis to substantiate this claim of a heavenly membership guarantee.

Paul introduced salvation of the body in 1Co15. He calls this saved body a spiritual body. This body’s nature is eternal (undying), incorruptible, imbued in power, and glorious. This body is preserved in heaven by the power of God (1Pet1:5).

Peter calls this spiritual body the living hope of believers (1Pet1:3). The spiritual body’s promise is the source of hope for believers on earth, so they do not despair in their earthly suffering. Because God “owes” Man the body, He (God the Father) offered the Holy Spirit to each believer as a promissory note (IOU) (2Co1:22) as an assurance of the promised spiritual body. God gives the spiritual body in the 1st resurrection mentioned in Rev20:5, which marks Jesus’ conquest over death (Rev20:10) on behalf of Man.

In-summary, both spiritual salvation and body salvation are gifts from God. Man’s part is to believe God at His word. However, the matter is very different for soul salvation.

The Complete Salvation of Man- Pathway to Divinity

 

Peter, in 1Pet1:9, describes soul salvation. Soul salvation is highly variable, where each believer has a different degree of soul salvation. Jesus has perfect soul salvation (Heb2:10,5:8-9) among all the sons of God.

Faith is the raw ingredient to support Man’s soul salvation. God the Father, the impartial Judge (1Pet1:17), tests this faith to validate Genuity thru fiery trials of wrongful suffering doing good expressed in sincere brotherly love (2nd Commandment) mentioned in 1Pet1:7, 9 and 22, 1Pet2:19 and 1Pet3:17. Soul salvation is commonly known as the Holy Spirit’s sanctification (1Pet1:2) by faith works cited in James2 to respect Man’s free will by offering Man choices in life.

Confusion, debate, and controversy commonly emerge when one fails or refuses to distinguish between spiritual justification-salvation, a gift of the born again spirit, and soul justification-salvation, which requires Man’s effort as the primary component.

 

Why is human effort key to soul salvation? God values and honors free choice, even above the salvation of Man. The power to wield free will resides in Man’s soul. God the Father presented Jesus the option in the Garden of Gethsamane to die at the cross or abandon ship (Mat26:38-39), and this choice grieved His soul. Jesus’ SOUL was perfected in the weakness of submission when He obeyed His Father’s will to die at the cross (Heb2:10,5:8-9). Man who calls Jesus, Master (John15:20), are not exempted from the soul salvation test of suffering to perfect their soul.

Peter reminded Man of this truth when he presented Jesus as the model example for Man to emulate in this regard (1Pet4:1, 2:21). Because soul salvation requires suffering, Peter in 1Pet4:18 recognized the difficulty of soul salvation by saying, “If the righteous one is sacredly (with difficulty) saved, where will the ungodly and the sinner appear?”.

Apart from preserving Man’s free will and perfecting the soul, Soul salvation has the goal to produce eternal glory (2Co4:16-18, 1Pet4:14) and satisfy the charge of the hypocrisy against Man’s professed sincere faith and love for God that was laid by Satan against Job (and Man) in Job1:9-11.

This eternal glory is the final unit of measure of each person’s degree of soul salvation. To support this view, Paul, in 1Co15:41, recognized that glory is unique between individuals. Glory being the unit of measure, stems from the relationship between soul salvation and glory. Soul salvation produces glory, according to 2Co4:16-18. Therefore evidence of the degree of soul salvation can be inferred by the quantity of eternal glory the soul possesses.

 

The correlation of soul salvation and glory holds great significance for Man than this simple correlation. The new covenant soul’s salvation glory is different and more valuable than the glory that Adam and Eve received from God in Eden. Man forfeited their glory (Rom3:23) when Adam and Eve sinned by partaking the fruit from the tree of knowledge of good and evil (Gen3). In the New Covenant, God cannot confiscate Man’s glory, like what happened in Eden due to sin. There are two reasons for this.

  1. This glory is different because God does not give this glory as Man’s soul produces it as part of Man’s soul salvation process. Therefore original ownership resides with Man.
  1. In the old testament, the power of sin is the reason for soul death (Eze18:20), and this does not apply in the new testament. This claim is an observation. As for why this is the case, probably, Jesus, God’s only Son as the sin sacrifice (John3:16), and the nature of His death (suffering on the cross willingly) were overpayment for Man’s sins. They over satisfied God’s Justice and justified Him to make this shift in this matter of Man’s soul. This glory of the soul salvation is more valuable than the Edenic glory because it required payment of Jesus’ blood and suffering.

This lengthy introduction is necessary to explain soul salvation as the basis for spiritual application with wealth-money as the context.

 

Soul Salvation and Money

Man’s Heart Follows His Treasure

God recognized the power of treasures to captivate Man’s heart. Mat6:21, Jesus framed this by saying, “Where your treasure is, there your heart will be (reside).” God wants Man to realize and value RELATIONSHIPS as true treasures so that Man’s heart chooses to reside in a relationship with God. The 2 commandments of Love (Mat22:36-40) embody God’s Word, All the Law (His purpose), and the Prophets (His will).

RELATIONSHIPS have an actual value similar to money or wealth on earth. The two posts dedicated to exploring this value are as follows.

  1. The Currency of Heaven is Glory- https://sincerelawrence.com/2020/10/31/currency-of-heaven-10min-read/
  2. Wealth Ranking in Heaven- https://sincerelawrence.com/2020/11/04/wealth-ranking-in-heaven-10min-read/

Notwithstanding what these two posts have covered, It is needful to reiterate two aspects to support this post 6’s narrative.

God’s Justice (1st Commandment) and God’s Love (2nd Commandment) Hanging in Perfect Balance

 

  1. The first aspect is about satisfying God’s two most basic needs. The first need is God’s intrinsic nature of love, revealed in 1John4:16. So if God was posed a question and asked, “Who are you?” God will respond; I am love. The 2 Commandments of Love in Mat22:36-40 describes the scope of this love.

 

1st Commandment and 2nd Commandment-

“Teacher, which is the great commandment in the Law?”

And He said to him,” ‘YOU SHALL LOVE THE LORD YOUR GOD WITH ALL YOUR HEART, AND WITH ALL YOUR SOUL, AND WITH ALL YOUR MIND.’

“This is the great and foremost Commandment.

“The second is like it, ‘YOU SHALL LOVE YOUR NEIGHBOR AS YOURSELF.’

“On these two commandments depend (hang) the whole Law and the Prophets.”

 

God gave these two Commandments to Man, but He has also imposed these same 2 Commandments onto Himself as evidenced in the giving of His Son for Man’s salvation. God’s sense of Justice demands that both Man and God fulfill these two Commandments alike.

The second need of God is to perform His role as the impartial Judge mentioned in 1Pet1:17, which James says is also the only One that can save or destroy in Jam4:12.

With the above understanding, Mat22:36-40 needs rephrasing to account for God imposing these Commandments onto Himself.

 

1st Commandment rephrased, the “I,” “My” and “Myself” is God referring to Himself

– “I SHALL LOVE MYSELF WITH ALL MY HEART, AND WITH ALL MY SOUL, AND WITH ALL MY MIND.’

The 1st Commandment is a demanding love. In the original form, God is demanding Man’s, undivided love. In the rephrased form, God requires that He honors His Self-Love. Thus God as Judge is upholding both the 1st and 2nd Love Commandments’ sanctity.

In the old covenant, God imposed this demanding loving on Man’s soul that carried the death penalty due to sin (Eze18:20). Although the new covenant has absolved Man from eternal death due to sin, God’s Justice to uphold the 1st Commandment demands that Man’s soul does not receive the same “scott free” treatment as the born again spirit or resurrected body. But instead, the soul (including Jesus’ soul) needs to suffer wrongfully (1Pet2:19) and be tested by fiery trials (1Pet1:7). Money and wealth play a central role in providing the context for these wrongful suffering and fiery trials.

 

2nd Commandment rephrased ‘I SHALL LOVE MAN AS MYSELF.’

The 2nd Commandment is a giving, sacrificial love. In its original form, God is demanding Man love his fellow man as himself. In the rephrased form, it is God demanding Himself to love Man as Himself. This sacrificial love was given as a gift with no contribution needed or desired of man (Eph2:8-9). The blood and body of Christ paid for this love gift for God to fulfill His 2nd Commandment towards Man.

God accepted Christ’s blood as the payment for the forgiveness of sins (Eph1:7). The blood also provided the medium similar to the shedding of blood during natural childbirth for the Holy Spirit, like a mother, to give birth to Man’s born again spirit (John3:6). I am aware that this view is unorthodox, but the elements come together naturally validated by childbirth’s natural experience.

God accepted Christ’s earthly body as the medium to construct the resurrected divine body of God (Col2:9). God retained Jesus’ earthly body as a medium for the resurrected body of the risen Jesus still bears the piercing scars (John20:27).

The Saved Spirit-Soul-Body of Man Ruling with Christ
  1. The second aspect is about satisfying Man’s legitimate need to stand out for their uniqueness and showcase aspects valued by their kind (self-worth). The soul has the innate desire to be respected and appreciated. Humanly speaking, this desire to receive social accolades is the reason for social comparison that breeds jealousy and envy. Money is often the means to fulfill these desires. Man’s desire to realize this need is legitimate. The issue lies with the means.

This need for social recognition emerged in the prodigal Son’s parable when the elder vented his frustration over this matter in Luke15:29-30. God, Himself demonstrates this trait. This observation is not surprising, given that God made Man in His image (Gen1:27).

God used human terms to describe His desire to engage with Man relationally. He uses the relational words such as Father (Mat5:45), brother (Mat28:10), bridegroom, a friend (John15:15), and lover to express (the Book of Song of Solomon, Eze16:8) His uniqueness and desire to be valued in those roles. Therefore, for this reason, Man’s desire for uniqueness and worth is legitimate in the eyes of God.

Tragically, instead of receiving reciprocated respect and appreciation, Man spurns and despises God’s sincere, repeated pleas. The Book of Ezekiel Chapter 16 is one comprehensive example of Man’s unsightly response invoking God’s wrath.

 

Through soul salvation, God has created the means for Man to differentiate themselves uniquely from one another in terms that both God and Man values. Notably, the soul salvation that produces heavenly wealth on earth and the eternal rewards of 1Co3 are often earned in-tandem due to the soul salvation experiences.

The eternal glory indicates how much the transformed soul of that individual is similar to Christ, Christ-likeness. Christ is the supreme ruler of the 1000 years earth rule mentioned in Rev20:6. In this verse, believers raised in the 1st resurrection will co-reign with Christ during this period. It is my view that God confers greater authority to those who have significant eternal glory as this glory commensurates with their degree of Christ-likeness.

The parable of the Minas in Luke 19 provides the basis for this claim. This parable is known for describing the 2nd coming of Christ in Rev20. In this parable, God rewards faithfulness in MONEY matters by giving cities to the said person to rule. For the person with higher monetary returns, God will correspondingly give more cities. Post 7 will discuss the natural application drawing from this parable.

The spiritual application shows faithfulness in money produces eternal glory. This glory is rewarded by God with more significant amounts of authority to co-rule with Christ. Therefore God’s plans for Man are practical, for it satisfies Man’s desire for uniqueness and enhancing their worth in the eyes of their kind, and more importantly, with God.

 

Conclusion

Money is the context, the battleground, and the means for God to test Man’s soul for its professed sincere love for Him and others. God has offered Man eternal incentives of eternal glory and rewards to incentivize Man to focus on Him by not worrying about the future and not to succumb to the temporal pleasures of this world.

God has gone thru great trouble with high stakes in-order that both God and Man fulfill and experience the fullness of the balanced RELATIONSHIPS of the 1st and 2nd Commandment.

Post 7 natural application, although more concrete and practical, is similarly content-heavy.

Christians and Money Series- The Alternative: Part 5

Introduction

Visual Recap of Post 1 to Post 4 of the Christian and Wealth Series

This post is Part 5 of the Christians and Money Series. Suppose you have followed from post 1, congratulations on reading about 5500 words. It is a praiseworthy effort worthy of admiration.

The above visual illustrates “Where” and “How” of wealth and coping among Christians and non-Christians presented from post 1 to post 4. To frame the 4 posts into one sentence, Man has a RELATIONSHIP issue with God, within themselves and between men. Money is the battleground, the context where Man wages their wars. This war consumes most of their lifetime and energy with significant and, at times, irreparable collateral damage to the RELATIONSHIPS.

This post 5 examines both non-Christians and Christians’ current direction to address the wealth gap. This direction correlates with the internal and external factors that sustain the growing wealth gap. With this emerging understanding, the post will connect the direction’s shortfalls and these factors to the core issue of RELATIONSHIPS.

Finally, this post will account for the covid-19 pandemic as a relevant event and God’s RELATIONSHIPS models revealed in the new testament.

Mindful of the word limit, the personal applications that address the RELATIONSHIPS issue will be in post 6.

Humanity’s Challenge with Wealth

The Helplessness of Humankind

This post asserts that governments and religious groups’ primary strategies to combat wealth inequality are overwhelmed by the task’s enormity and the strategy’s innate flaws. This observation is not a statement of condemnation but to draw attention to the humanities’ helplessness. The statistics are grim and glaring in contrast. At the poverty end of the spectrum

  1. About 15,000 children (2016 data) below age 5 die daily from malnutrition.
  2. About 800 million hungry, and 2 billion suffer from micronutrient deficiency.
  3. About 785 million do not have basic clean water, with about 829,000 deaths annually due to health issues arising from this lack of clean water access.

One needs to bear in mind that these grim numbers have already benefited from China’s effort to lift most of her population from poverty. In comparison to the poverty-related data, globally, at the affluent end of the spectrum, about 600 million adults have diabetes. About 1.9 billion adults fall within the category of overweight and obese.

For the above data, see links- https://www.worldhunger.org/world-child-hunger-facts/#:~:text=In%20spite%20of%20the%20importance,%5BWHO%5D%2C%202016) and https://globalnutritionreport.org/reports/2020-global-nutrition-report/inequalities-global-burden-malnutrition/#section-2-2

Three aspects frame the effort by both governments and religious groups to fight poverty. There is the system, the process, and strategy. The system builds on the institutionalization approach. The process is fronted and executed by representatives of the impersonal bureaucratic institution where the decision-makers in these institutions and the aid recipients are strangers. These institutions can be governmental agencies, non-profit organizations, churches, charitable organizations, and the like.

For the sake of efficiency and expediency, broad-brush policies dominate this landscape. They also share the associated coping strategies by kicking the can down the road and avoiding the problem head-on by varying degrees of compromises, denial, and indifference.

This post objective is not to cast a negative light on these institutions’ excellent and necessary work. They remain necessary. However, the statistics are symptomatic of more serious underlying issues than just a failed redistribution of resources from the wealthy to the poor.

This post posits that humanity needs an alternative system, process, and strategy that operates alongside these existing ones.

Internal and External Factor Sustaining this Growing Wealth Gap

The In-adequacy of the Existing System

Before delving into this alternative, it is needful to appreciate the underlying internal and external factors that perpetuate this wealth inequality.

Post 4 revealed this internal factor. This internal factor is the privilege of the wealthy that their wealth status is a sign of divine blessings, while the poor and their poverty status are a sign of divine chastisement-curse. From henceforth, this internal factor is called Bias. This Bias is an intrinsic value adopted by the wealthy and poor to legitimize the coping mechanisms of hypocrisy-condescension of the wealthy and self-victimization of the poor and reconcile their conscience.

Post 4 also mentioned this Bias emerges as a social behavior rather than verbalized. This social behavior creates gates to separate-insulate Man from the ugly and inconvenient realities. The social behavior of cliques and crowds make invisible gates formed along social-economic status lines, often in symphony with racial, cultural, and religious notes. These invisible gates blind the wealthy and poor from seeing beyond their immediate biased realities and the spectacle of their coping mechanisms.

Steinberg (2017) sheds light on cliques and crowds’ nature. Cliques are small groups between 2 to 12 bonded by a common interest, shared activities, and personal relationships. Jesus and His inner circle of the 12 apostles barely qualify as a clique by this definition. Clique dynamics drive the wealthy and poor to intragroup behavior and pull away from one another. It is noteworthy that the inclination to join a clique is more persistent over time than the tendency to join crowds.

Crowds are large groups that comprise groups of cliques that aggregate because of shared identity such as race, religion, culture, and social-economic status. The relationship is impersonal, and the crowd identity bonds people together.

The combined effect of cliques and crowds social behavior perpetuate, promote and sustain the Bias. Thus, the Bias may not be verbalized as often but lived out in the social behavior of clique relationships and crowd identity.

This Bias is a RELATIONSHIP problem with God-Man and Man-Man. There is a misalignment between God and Man. While Man’s conscience is under the spell of a self-inflicted enchantment (see post 4 for the 1st and 2nd Commandment discussion)

The external factor is the diminished human solidarity underpinned by the shared destiny that values interdependency fostering trust, compassion, and empathy. Man’s short life expectancy in the late 30s until the late 1800s sustained this shared sense of mortal destiny and healthy interdependency.

Instead, the current life expectancy of the 70s to 80s in 125 countries out of 185 created the rise of social solidarity underpinned by the individual’s desire for independence that is profit-seeking fostering mistrust and indifference. See link for the research that shows trust between man in decline – https://journals.sagepub.com/doi/pdf/10.1525/ctx.2005.4.1.40

See link for life expectancy by country https://en.wikipedia.org/wiki/List_of_countries_by_life_expectancy#:~:text=Worldwide%2C%20the%20average%20life%20expectancy,according%20to%20The%20World%20Factbook

Social solidarity has eclipsed human solidarity, as seen in the following. A simple internet search would reveal these observations to be true.

  1. Deepening and multiplying forms of discrimination,
  2. The incursion of the rights of the few over the majority’s rights,
  3. The observed overall trend of rising divorce rate, rising crime rate, especially in the severe categories, and increasing domestic violence are evidence of the breakdown of human solidarity.
  4. Celebration, and even worship an individual’s obscene wealth.

Social solidarity and social comparison are bedfellows that have created a shift of Man’s wants to become Man’s needs. Recall in post 2; the social comparison is an engine of hedonic adaptation? Man’s needs traditionally are food, water, shelter, and air. However, now Man’s needs include personal liberties, internet connectivity, right to inheritance, and healthcare. Some wants that are morphing into needs may consist of online social approval, getting the latest gadgets, or fashion. These new needs are alien to God’s intention to free Man from the slavery of Mammon. Any goal to weaning Man from these newfound needs is a pipedream.

It is noteworthy that this Christian and Money series was never under the illusion of offering solutions to humanity’s problems. The conclusion section will cover this aspect in more detail.

Social solidarity is a problem between men related to the 2nd Commandment to love your neighbor as yourself. It is a form of institutionalization of the human relationship creating a social caste system. It has a relationship, but this relationship is impersonal, indifferent, and profit-seeking.

God’s alternative seeks to address the above factors embedded within the institutionalized relationship system and restore broken relationships.

The recent global event has turned the world upside down or instead locked down the world. The current covid-19 pandemic has attacked the heart of social solidarity. The mantra of social distancing has thrown a wrench into the gear works of the unstoppable social solidarity. No one country could derail globalization at this scale and pace until this virus did the impossible. Border closures and airlines facing their extinction events are daily realities.

Due to the harsh economic fallout, humanity is suffering the double jeopardy of worry about their future and withdrawal symptoms of diminishing social solidarity. The lockdowns have hollowed out the once much desired social comparison experience and cast a giant shadow of mortality over the sparkling lure of wealth. Where are these observations and narrative headed? The conclusion section will elaborate on this.

God’s Alternative Offer

God’s alternative can only attend to the broken state of the 2nd Commandment. The 1st Commandment is more cut and dry. Man has to decide to value what God values or to pursue value framed by worry and lure of wealth. The 4th post listed the 7 appeals of God to Man to value what’s essential from His perspective. Failure to do so brings self-harm and face the risk of eternal consequences of not winning the faceoff against God.

God’s Alternative Blending with Man’s System

God’s alternative offer seeks to reinstate the near-extinct human solidarity. Jesus offers three relationships that restore human solidarity, the Neighbour, Jesus’ Model, an Inn Keeper (Luke10:25-37). God recognizes that Man needs to draw boundaries between themselves to create a functioning society. God Himself defines His roles in both the new and old testament to creating these boundaries Himself. These boundaries give the form that stabilizes the relationships with each other.

Thus God is supplementing the impermeable barrier of social solidarity with a semi-permeable barrier of human solidarity. The use of the metaphor of form and substance is useful to support clarity. The social solidarity barrier is the form component of the relationship. This form provides the structural stability of boundaries. In comparison, human solidarity is the substance component of the relationship. The substance comprises of sincere dealings between parties. A relationship with all form is sterile and profit-seeking. A relationship with all substance is overwhelmed with emotions and starved of reason. Both are required for the relationship to flourish.

The organized institutions can and should continue to operate predominantly form-based while individuals engage primarily substance-based. Notably, whether it is the organized institutions or individuals, the goal is to get the appropriate proportion of form-substance commensurate with the context.

Incidentally, collectively the 3 relationships, the Neighbour, Jesus’ Model, and Inn Keeper, are described as the Wayside Ministry. It is a wayside because the relationship occurs within the chance meeting or encounters, by a lot of life, in the ordinary course of daily living along the wayside.

The Neighbour
  1. The Neighbour

Luke10:36-37 provides the guideline to be a neighbor. The essential requirements are:

    • The neighbor can find the person in need of help within his life circumstances.
    • The neighbor offers help despite His rejected social status and to love another without expectation of reciprocation. His help offer is sincere (1Pet1:22).
    • The neighbor is in a position (resources) to offer actionable mercy and kindness.
    • The neighbor develops a committed patron-client relationship.
Zacchaeus climbed up into a sycamore tree.
  1. Jesus as the Model

Jesus went about doing what His Father presented to Him (John5:19). Jesus developed the relationships on the go, in His daily dealings. The relationships usually honored the downcast and people rejected by society.

They were brief but meaningful relationships such as the Samaritan woman who had 6 male relationships at the well (John4), Zeccahues the Tax collector (Luke 19), His relationship with Nicodemus the Pharisee (John3), and the woman caught in adultery (John8).

The type of help rendered by Jesus’ model is occasional and circumstantial. There is no long term commitment. The support is sincere, and there is an open and respectful relationship between the patron and the client.

The sign of Longfellow’s Wayside Inn at autumn, Sudbury Massachusetts- Jay Yuan /Shutterstock.com
  1. The Inn Keeper

The Bible is scarce on details about the Inn Keeper. Luke10:25-37 offers the following.

    • The Inn Keeper has presumably located his Inn along the road between Jerusalem and Jericho. The Inn is situated deliberately to attract patronage.
    • The Inn Keeper has a formal relationship with the Samaritan and injured Jew. The Samaritan is the patron who pays for the Jew’s stay in the Inn. The Jew has to abide by the terms of stay in the Inn where Inn Keeper cares for him. This formal relationship endures as long as the other two parties stand by their commitment.
    • The Inn Keeper and the Inn have public visibility. A certain level of appearance upkeep is necessary to remain in business.

In practice, the Samaritan, Jesus’ model, and Inn Keeper roles do not exist in their pure forms. Post 10 dealing with the application will explore how these 3 roles are blended.

Table Comparing the Status Quo Against God’s Alternative

Table Comparing the Status Quo Against God’s Alternative

The above provides the comparison between God’s alternative that goes in tandem with Man’s status quo. God’s option restores the human solidarity aspect of Man’s relationship with each other; God is restoring Man’s humanity.

Conclusion

The failing RELATIONSHIPS is at the core of the wealth inequality issue. It may be within reason to claim that this is also at the heart of Man’s general challenges.

Christian faces double jeopardy when dealing with money compared to non-Christians.

Firstly Christians and non-Christians contend with the worry of the future, and the lure of wealth, which arouses Man’s lust and pride.

Christians also have to contend with their sense of entitlement that comes with salvation by grace, apart from works, that encourages them to behave morally worse than non-Christians. See post 3 for the scriptural evidence. A carnal Christian odd as it sounds, is the central struggle of Christianity today.

These challenges are insurmountable in and of themselves, whether for Christians or non-Christians. Christians live a life trusting Jesus’ salvation work to reconcile continually in their backslidings until death. The exact dynamics of this reconciliation process is complicated and exceeds the scope of this post.

In summary, the realizations emerging as the result of these 5 posts cannot abate the forces that sustain and expand this wealth gap. In-fact God has recognized this outcome and presented the bitter solution in Mat24:7 and Luke21:10-11. Jesus said these events need to occur before the appearance of His return to start the 1000 year rule.

Bitter Solution: Mat24:7 and Luke21:10-11

Mat24:7

“For nation will rise against nation, and kingdom against kingdom. And there will be famines, pestilences,[fn] and earthquakes in various places.

Luke21:10-11

Then He said to them, the nation will rise against nation and kingdom against kingdom.

“And there will be great earthquakes in various places, and famines and pestilences; and there will be fearful sights and great signs from heaven.

This solution is bitter to Man because it ushers in the age of acute mortality by war, hunger, plagues, and natural disasters. God has recognized that the gentle nudges by the Holy Spirit, since the death of Jesus can only go so far in its efficacy. Tragically only the ominous sentence of imminent death will shock Man out of His collective self-delusion of deification and Masters over their destiny.

Why may one ask the purpose of this Christian and Money Series since the bitter end appears inevitable? The next post will reveal the answer.

References

  1. Steinberg, L. D. (2017). Adolescence (11th). New York, NY: McGraw-Hill.

Christians and Money Series-Serving Two Masters: Part 2

Introduction

 

 

Christianity – What Went Wrong?

 

 

  1. Once Saved Always Saved- This post offers evidence of secure salvation that does not take the conventional route to examine the book of Hebrews. Instead, it will adopt three independent approaches. Check it out!

https://sincerelawrence.com/2020/10/27/once-saved-always-saved-10min-read/

  1. Faith and Work in Harmony –Read this post to support the Once Saved Always Saved post as it is complimentary. Check it out!

https://sincerelawrence.com/2020/10/27/faith-and-work-in-harmony-4min-read/

Before I accepted Jesus as savior, I held prejudices against Christians. Without hard evidence, the sensing informed that Christians were sanctimonious and hypocrites. My father-in-law and mother-in-law are atheists. The Christian English speaking peers discriminated against them in the work environment for their speaking mandarin background and inferior command of the English language. The government policy perpetuated this discriminatory work environment in the 1970s and 1980s that promoted English and suppressed mandarin use.

Till today, these experiences stumble them from seeing the love offered by Jesus. Unsurprisingly they share the same prejudice once held. I still have this prejudice. The reasons for them will naturally reveal themselves in this series of posts.

When it occurred to me that I am as guilty of this same indictment, this is one reason that motivated me to start blogging and adopt changes to reflect the truths that God has revealed that illuminate my soul.

I was heavily exposed to the “hyper-grace and prosperity gospel” of Joseph Prince Ministries from 1996 to 2012. Therefore I am no stranger to the influences of wealth and material blessings legitimized through such preaching. I am opposed to such teachings as they test God’s will with a carnal mind. Please refer t the link below, which is a related post about testing God.

https://sincerelawrence.com/2020/11/07/test-mock-god/

The above raises the query, Is there truth to the indictment of sanctimoniousness and hypocrisy by non-believers concerning Christians? This reflection aims to examine Christians and money as the context to support to answer this query.

In total, 12 parables (see Appendix A) regarded money with key roles illustrating money as a source of value and motivation. The value of money becomes glaring when it is insufficient to meet the basic needs and endangers life.

Money is a proxy of power and influence. It is of such paramount importance that Jesus recognized that man struggles to denounce their worship of money, which is necessary before one can genuinely serve God (Mat6:24).

The Hedonic Treadmill

Money fuels hedonic adaptation. This adaptation compels man to pursue after things or relationships to bring about happiness. Tragically this state of happiness is fleeting, not sustainable, and requires more significant pursuits to create the same pleasure.

One main engine of this hedonic adaptation is social comparison. Social comparison breeds envy and covetousness. These toxic emotions drive the pursuit of money that one imagines can give them what others have, bringing happiness. Hedonic adaptation and social comparison are both parts of the human condition of the flesh.

For more about the hedonic adaptation, watch the following video.

https://www.youtube.com/watch?v=DXCol9vaPkY

 

Christians and Money

The link https://en.wikipedia.org/wiki/Wealth_and_religion and https://www.cnbc.com/2015/01/14/the-religion-of-millionaires-.html show that based on the report by New World revealed the wealth distribution among different religious groups. Based on the data from this link, the ranking of the winners emerge as follow. Christianity is clearly in the lead in both categories, highest in global wealth as a percentage and the highest number of millionaires.

Winners of the Hedonic Race
Table: Global Wealth Ranking of Various Religious Groups

Table: Global Wealth Ranking of Various Religious Groups

 

Money and the World

The Wealth Pyramid Extracted from “Global Wealth Report 2013” by Credit-Suisse.com

The above diagram from the link https://web.archive.org/web/20150214155424/https://publications.credit-suisse.com/tasks/render/file/?fileID=BCDB1364-A105-0560-1332EC9100FF5C83 illustrates the severity of the rich-poor chasm.

The wealth pyramid shows that 8.4% of the world’s wealthiest segment of the population possesses 83.3% of the world’s wealth.

In contrast, 68.7% of the world’s poorest segment of the population possesses 3% of the world’s wealth.

The “middle class” that makes up 22.9% of the world’s population possesses 13.7% of its wealth.

Visual Disparity of Wealth Relative Ranking (To Scale)

For comparison, it is useful to adopt the relative ranking approach with the world’s poorest population as the smallest denominator. The denominator is defined as “% wealth/%population,” which gives the unit of wealth across the population’s particular segment. The following emerges.

No World’s Population

Categorized by Wealth

% wealth/%population.” Relative Ranking
1 Poorest (68.7%) 0.0437 1
2 Middle (22.9%) 0.598 13.7
3 Richest (8.4%) 9.917 226.9

The above shows that the world’s most prosperous group is 226.9 times wealthier than the world’s poorest as a group.

The total wealth reported by Credit-Suisse is 240.8trillion exceeds the New World Report amount of 195trillion. This reporting difference is attributable to the ways wealth data were categorized, gathered, and accounted for.

The reasons for this reality are complex, and the webs of factors are involved. While no one individual, even the richest, can unravel this Gordian knot, the evidence shows that Christians as a whole have the largest stake that sustains the status quo of glaring wealth disparity.

The graph below shows about 20% of the world’s population lives in abject poverty; less than USD 1.90 a day. These are more than just figures. People’s lives revolve around these realities.

(By Max Roser – https://ourworldindata.org/extreme-poverty, CC BY 4.0, https://commons.wikimedia.org/w/index.php?curid=83581991)

 

Who is the Master?

The data does not reveal how much wealth in the top 8.4% belongs to Christians.

If one adopts the same proportion (55%) given by New World and applies this to the top 8.4% wealth in Credit-Suisse’s report, the millionaire Christians hold about 110 trillion. Using the 2013 global population of 7.162 billion (https://www.worldometers.info/world-population/world-population-countries.php), the average net worth for each Christian in that 8.4% segment is approximately $330,000.00.

Christian Wealth among the Top 8.4% of the World’s Wealthiest

Conclusion

This evidence embellishes the indictment that Christians appear to be serving two masters. In Ezekiel’s language, the prophet, this is akin to playing the harlot with the world’s economic system. Jesus says that this man will end up with a love-hate relationship with the two masters (Mat6:24).

The Human Condition Torn Between Two Masters

In reality, the love-hate relationship is not loyal to either Master. The soul swings like a pendulum. The soul is in this constant tension and conflict-torn between two spiritual Masters and conflicting inner desires.

This reflection ends on this sobering note. The following post will explore what the bible reveals about the harlotry of such nature.

Christians and Money Series- God’s Appeal to the World: Part 4

Introduction

This post is part 4 of the Christian and Money Series. Cultural, racial, religious, and social factors create a bias that stereotype people to explain their wealth or poverty statuses.

 

Editorial credit: StockPhotosArt / Shutterstock.com

 

In Jesus’ times (Scott, 1990), two such biases stem from cultural, social, and religious factors. Poverty was viewed as “divine chastisement due to sin, while the “ambiguity of wealth” was a sign of divine blessings. When Jesus shared the story of the rich man and Lazarus in Luke 16, it offended the rich of His day. The conclusion of the parable ran counter to the two biases. The poor beggar, Lazarus, had a reversal of eternal fortunes after his death while the rich man suffered in Hades.

These biases have held captive Man’s heart till today. I have heard accusations on specific groups of people that they deserved their poverty because of their cultural, racial, religious, and social disposition. They are poor for these reasons and deserve their lot.

Most people do not publically promote these private thoughts that dwell in their hearts. However, telltale signs betray these secrets found in Man’s social behavior. Post 5 will elaborate on the details of this social behavior. Suffice to mention, and for now, they are underpinned by hypocrisy’s coping mechanism in condescension forms, making light of the suffering poor. Conversely, the poor reciprocates by the coping mechanism of self-victimization mentality.

This 4th post in the series has two objectives. The first objective is to build the narrative to clarify man’s position and beliefs, using wealth as the context. This narrative is expansionary and inclusive of non- Christian’s beliefs and values. The second objective is to glean the new testament scriptures identifying God’s appeal to man concerning wealth.

 

Man and Money

Man has a conscience that is part of the soul. This conscience is man’s innate sense of right and wrong without formal instruction. Man’s conscience spans across the world’s belief systems. See link – https://en.wikipedia.org/wiki/Conscience

Environmental factors such as cultural, social, and religious factors contribute to determining its unique expression forms, but the underlying elements are common. For example, man values loyalty, community spirit, self-sacrifice. Likewise, Man condemns betrayal, discord, and self-seeking behaviors.

 

Wealth Gap

 

See the following link for the above illustration – https://www.pewsocialtrends.org/2020/01/09/trends-in-income-and-wealth-inequality/#:~:text=The%20wealth%20gap%20between%20upper,has%20grown%20wider%20this%20century.&text=From%201983%20to%202016%2C%20the,from%2032%25%20to%2017%25.

Why then does man’s treatment of wealth or money seem to violate the conscience’s rules to accept such objectionable outcomes? One may ask, where is the evidence of this claim in this question? Part 2 of the post shared proof of the glaring wealth gap between the rich and poor. This wealth gap is only growing wider. The above illustration takes the USA data are emblematic of the rest of the world. In Jan 2020, the Guardian reports that 70% of the world’s population experiences this growing wealth gap. See link – https://www.theguardian.com/global-development/2020/jan/22/wealth-gap-widening-for-more-than-70-per-cent-of-global-population-researchers-find

This post posits that other factors have overridden Man’s conscience in the area of wealth. These factors are

  1. Worry about the future, and the need to control that worry through wealth accumulation.
  2. The lure of wealth is innately addictive. Remember the hedonic race in part 2? Wealth brings pleasures, such as enhanced social status, power, influence, physical enjoyments, and control over others.

 

Both the Poor and Rich are Terrified of the Future and Addicted to Wealth Alike

 

The irony is that both the rich and the poor have embraced these factors as shared aspirations. For this reason, the world does not descend into a brutal war between the poor and the rich, culminating into one global French revolution, or witnessing a global embrace of Marxism.

Both Christians and non-Christians, barring a minority in both groups, are mostly helpless to avoid violating their conscience to address this reality. The following posts will explore the application aspects of this minority group. For the majority, unless there is a shift of the motivating factors away from focusing on earthy goals to cope with fears of the uncertain future and to wean off the wealth addiction, money reigns as Master over Man in the constant battle against God’s supremacy.

The following section of this post shares the Christian God’s offer of these alternative motivating factors.

 

God’s Alternative Offer to Wealth

God has two main goals in mind when He offers solutions to Man’s slavery to money. God seeks to fulfill His two commandments: the source of His purpose and will (the Law and the Prophets, Mat22:40). Both commandments are concerning RELATIONSHIPS. This relationship focus is a clear indication that God values relationships above all else in His economy.

 

The Love Commandments

 

The first commandment is the relationship between God and Man. In comparison, the second commandment is a relationship between man and man (Mat22:37-40). The commandments bear the following intentions.

  1. God is appealing and demanding from Man their believing loyalty towards Him. (1st commandment)
  2. God expects Man to show love to their neighbor as oneself in contrast to indifference to their neighbors’ plight. (2nd commandment).

Believing loyalty is also known as loving-kindness, “checed” in Hebrew, which also renders faithfulness a more familiar term in the new testament vernacular. See the link for the word meaning of checed- https://www.blueletterbible.org/lang/Lexicon/Lexicon.cfm?strongs=H2617&t=NASB

The scriptures relating to wealth, especially the parables, are shared to support Man’s understanding of God’s salvation offered as a means to realize the 1st commandment. E.g., is the Good Samaritan (Luke15:11-32), the treasure hidden in the field, the pearl of great price (Mat13:44-45), the prodigal son (Luke15:11-32).

The scriptures also reveal God’s expectation to love one’s neighbor, the 2nd commandment, in the parable of the Good Samaritan in Luke10:30-37 and the unforgiving servant’s story in Mat18:21-35.

God does not leave man without resources and guidelines to motivate Man to choose the love relationship as their new focus and abandon their old focus of worry and addiction to money. God’s motivating factors address both the worry of the future and the issue of the lure of money.

 

God Supplies His Motivating Factors

 

1st Motivating Factor – Solution for Worry

 

The Worry of Needs and Wants

 

Both Christians and non-Christians worry about the future. God recognized valid worries, categorized as needs. In this day and age, the needs of Man has grown to include wants. The final post will address this aspect. Nevertheless, God recognized man’s worry to meet his needs when Jesus identified this as the reason for Man’s shifting loyalties between serving God and Mammon in Mat6:24.

God promises that He will supply all Man’s future needs when he focuses on His will for Him and his identity in Him (Mat6:32). God designs His will into the life circumstances presented to that person. It includes the opportunities, the challenges, the waiting, the people in your life, the victories, the setbacks, the miracles, and the tragedies. God promises to supply what Man needs, even as he experiences His will. Man is to reciprocate in an active faith relationship with Him.

The other less recognized reason and solution offered by God in Mat6:34 is that the present has sufficient troubles on their own that demands attention. God wants to partner Man to address present challenges and appeals to him not to be distracted by worrying about the future. The experience of partnering with God in this active faith in the present is not straightforward and exceeds this post’s scope to explain.

At this juncture, the imagination of what God supplies can run pretty wild. The Bible does offer some guidelines to understand what God supplies. The following post or posts will cover this in more detail. Suffice to say. God supplies wisdom, “time and chance” that relieve the pressure that would have exceeded the breaking point, His divine power, and circumstances to support His will for Man.

 

Personal Testimony

The Fool Who Became King

 

Mind-blindness (autism) handicapped my social and emotional perception until age 49. God had shown and proven His loyal faithfulness as Father over my life since my dad passed away when I was 11 years old.

These handicaps lead to situational unawareness. I grossly underestimated the environment’s harshness and overestimated my capacity and capabilities. I recklessly resigned from full-time employment and was self-employed twice, at age 29-30 and 32-50. Due to personal reasons and adequate resources,  undeservingly, I have decided to retire at age 50, 2020. God has protected me from the hostile business environment and my foolish unawareness for the past 25 years as a working adult.

My lack of awareness blinded me to future worries. Given a temperament that is resilient and determined, I do not complain and worry about my future.  The “success” did not come by fervent prayers, never fasted, and was never diligent in reading the Bible (this only started in 2019). In-fact until 2019, I have never read a complete book in the Bible.

God’s mercies have protected me from an unreasonable environment and marauding competitors. The material success came because I blindly did whatever was presented to me and did the best of my abilities every time without worrying and complaining. Unknowingly just by attending faithfully to my lot in life, I did God’s will.

 

2nd Motivating Factor – Shift in Values

In today’s materialistic culture, the motivating factors offered by God has lost much of its luster. It is not the fault of God, for Man has chosen to deify themselves by proxy. Elements that supported man’s deification are mainly due to their sense of mastery over their destiny. The following fostered Man’s sense of mastery over their future and shifted Man’s values away from God’s values.-

  1. Man has more than doubled the life expectancy from the late 30s in the late 1800s to beyond 70s by the early 2000s. Singapore’s life expectancy is in the 80s. See link – https://www.macrotrends.net/countries/SGP/singapore/life-expectancy#:~:text=The%20current%20life%20expectancy%20for,a%200.26%25%20increase%20from%202017.
  2. Man has mastered their physical environment (notwithstanding the irreparable damage done to nature) and a pseudo mastery over their biology. Genetic engineering is one of the new frontiers for humanity.
  3. Man’s sense of personal agency has shot through the roof, bolstered by the relentless rise of individual liberties.
God’s Appeal to the Alternative, Reimar/Shutterstock.com

 

Tragically, This pandemic of self-deification affects both Christians and non-Christians alike.

God beckons Man with seven appeals to support Man’s shift from the additive lure of money-wealth to fulfill the two commandments, to restore the RELATIONSHIPS-

  1. God is appealing to Man’s senses to value His Fatherly love, offered to save humanity in the form of the death and resurrection of His only Son, the Lord Jesus. (John3:16, Rom10:9). The Father’s heart is appealing for His children to return to His bosom, the prodigal son narrative offered on an epic scale.

 

  1. God appeals to Man’s senses to value the true incorruptible treasures more than the temporal earthly pleasures, relationships, and possessions. The true treasures are the relationship with Him, His eternal rewards, the gloried incorruptible body, the eternal glory, and reunion with Him and all the loved ones that have embraced the family of God. Valuing the true treasures is the crucial battleground of the soul. For where the treasures are, there, the soul will take residence (Mat6:21).

 

  1. God appeals to Man’s senses to recognize that their body is temporal, suffer aging, physical death, and eternal death. What will it profit to Man to accumulate and hold tightly to things that lose all value in the afterlife? (Mark8:36)

 

  1. God is appealing to Man’s senses to recognize an afterlife where judgment and sentence await (Mat25:46). This appeal to many seems like a threat. God’s hands are bound in this regard and helpless to circumvent His sense of justice. God’s justice demand this outcome (Rom2:12-16,1Pet1:17).

 

  1. God is appealing to Man’s sense to choose forgiveness apart from the works pathway in Christ (Eph2:8-9), where the favored judgment is merciful, and the verdict at worst is forfeting the eternal rewards and the soul’s eternal glory (1Co5:5, 1Co3:15, 2Co4:16-18).

 

  1. God appeals to Man’s sense to avoid the impartial judgment pathway, where the sentence is likely an eternal staycation in Hell.

 

  1. God appeals to Man to choose His Son. By doing so, He frees Man of worry of the future on earth, as Man finds rest for their soul on earth in the work of His Son (Mat11:28-30, Heb4:11).

 

Conclusion

The world operates by the power paradigm. The powerful determines the Laws of the land and wields the power of life and death over others. Humanity recognizes this Law and obeys the rules set by the powerful. Democracy veils the ordinary senses to this Law, enchanting the human sense of agency with an illusion that the power lies with the individual because they vote the powerful into power.

Such naïve notions are put to naught when the next crisis hits. The covid19 pandemic is but an appetizer of the Law in operation. War seems a distant memory since the last World War in 1942. It seems to escape notice, but the elements that catalyzed such atrocities are the same; humanity is the source of these atrocities.

 

Daring and Taunting God Does Not Seem to be a Sound Strategy

 

It seems inconceivable while Man can recognize and subject themselves to human authorities, Man dares to taunt God by spurning His appeal and invitation.

Christians deem the Christian God as the most powerful entity across all time and space. But this God is dismissed as the King of charlatans by other religious beliefs and non-existent by an atheist or a choice, among other valid alternatives.

It may turn out that these reasons to ignore God are correct. Still, the stakes appear unacceptably high for a reasonable person to place a wager against God, who has offered such favorable terms to achieve divinity. The only cost on Man’s part is the belief in Jesus and after that best effort at obedience until death. This free lunch for Man exacted an unspeakable price from God the Father who paid dearly for this offer.

This post ends on this note. The next post will explore further how Man’s attempts to solve this wealth gap have failed, why it has failed, and the root cause behind these failures. Post 5 will also examine God’s alternative to address this failure.

 

References

  1. Scott, B. (1990). Hear then the parable (1st ed.). Fortress Press.

Christians and Money Series-Harlotry and Blood on our Hands: Part 3

Introduction

 

Bipolar Christianity

 

This post is part 3 of the Christian and Wealth Series. Part 2 ended with Christians indicted for serving two masters (Mat6:24), money and God. This post attempts to understand God’s perspective from the New Testament and the Old Testament regarding this behavior in-order to harmonize them into today’s context.

For part 2, refer to the link.

https://sincerelawrence.com/2020/11/16/christians-and-money-serving-two-masters/

The current age operates within the new covenant context. Therefore, this post will first explore the New Testament. This post examines scriptures that describe the shift that repurposed the old covenant Law’s outward form of the performance to be subordinated to the inner substance that deals with the heart’s condition. 

The purpose of this post is to expose the severity of serving two Masters and how the new covenant has significantly reduced this severity.

 

God Hates Hypocrisy

 

White tombs in Jewish Cemetery dedicated enclosures are tombs of rabbis in Mellah quarter

Whitewash tomb and the clean cup on the outside (Mat23:25-28) are metaphors used by Jesus to indict the religious hypocrites. They have a beautiful outer appearance that conceals death and uncleanness inside.  Jesus strongly condemned this behavior, and such people (Mat23:33). Crudely said the hypocrite is akin to the harlot who builts for herself a monument to glorify her chastity. God condemns this as an abomination. God uses the word abomination to describe the sin of idolatry in Ezekiel. Later sections will reveal that Man’s worshipping money is equivalent to the sin of idolatry.

How would the commandment of loving your neighbor as oneself (Mark12:31, those that God presented in one’s life circumstances) not come across as hypocritical to the world in need when this excessive wealth disparity exists, creating unacceptable outcomes?

At this juncture, some may say that giving will not solve the poor’s problems for the poor the world shall always have (Mat26:11). In fairness, this retort is reasonable, and the last post will attempt to address this complex issue of sharing. However, do not be deceived into believing these grounds for inaction.

 

God Values Man’s Body

 

The Second Temple Model of the ancient in Jerusalem

The body is the temple of God (1Co6:19). 1Co3:17 says that if anyone defiles the temple of God (their body), God shall destroy that person. The body committing sexual immorality amounts to defiling God’s temple. (1Co6:18-19).

1Co5:5 contains an example where. Paul sentenced the man who openly committed adultery with his stepmother to destroy his body, so at least his spirit is saved.

When one commits idolatry, one would assume that the worship of idols and pagan images are involved. The Old Testament focused on the external forms of idolatry, e.g., as recorded in Ezekiel. However, in the New Testament, idolatry includes such worship and much more.

Col3:5- “Therefore consider the members of your earthly body as dead to immorality, impurity, passion, evil desire, and greed, which amounts to idolatry.”

A word study using the blue letter bible of this broad definition of idolatry from Col 3:5 affirms the different forms of the treasures man keep and worship in their heart (Mat6:21) as follow:

  1. Immorality (porneia-sexual)
  2. Impurity (akatharsia)- lustful, luxurious, profligate (extravagant/excessive) living
  3. Passion (pathos)- depraved passion
  4. Evil (kakos) desire (epithymia) – improper forbidden craving.
  5. Greed (-pleonexia)- greedy desire to have more, covetousness, avarice
Covetousness, Avarice, Profligate – The New Age Idolatry

The love of money is the root of all evil (1Tim6:10). Col3:5 offers two categories where this love has crossed God’s Bottomline tantamounting to worshipping two masters. The first, impurity, is the outward evidence found in the extravagant lifestyle choices of the person. The fifth and final post will explore what would amount to extravagance using objective economic metrics.

The second, greed, deals with the inner condition of the worshipper of Mammon. Man has abused the intended use of money. Money is a tool to serve man’s needs and not for man to serve as its slave.

 

Old Testament Context

Solomon’s Temple

Solomon built God His temple (1Kings6). This temple was still around during Israel’s exile to Babylon, as recorded by Ezekiel. God was angry with Israel during the exile for the following reasons

  1. They committed idolatry by worshipping at the high places (Eze6:3). The Israelites hurt God’s reputation and feelings by their adulterous hearts (Eze6:9).
  2. The leaders and priests desecrated Solomon’s temple by worshiping idols in the temple, carving images on the temple wall (Eze8:6, 10, 17), and carrying out human sacrifices (Ezekiel 23:37-39) in the temple.

God called this desecration as an abomination, a stench to God. God also describes their idolatry as harlotry in Eze16

  1. God was angry with the false prophets and their false divination (Eze13:9)

    Blood on your Hands

  2. God was mad at the Israelites for cursing their parents by way of their treatment, for oppressing the fatherless and widows (Eze22:7), committed crimes against their neighbor for dishonest gain (Eze22:12), oppressing the poor and needy (Eze18:12), for these actions God condemned Israel as having blood on their hands. These are sins of oppressing the vulnerable.

    Meat in the Pot

  3. God was displeased with the Jerusalem leaders’ proud attitudes. The Babylonians left behind the poorest in Jerusalem (2Kings25:12), but they dared to pride themselves as meat in the pot (Eze11:3), looking down at the exiles in Babylon. This attitude is the sin of the pride of life. The next post will reveal that Christians also suffer from this sense of privilege and entitlement.

God’s accusations of idolator, blood on your hands, and meat in the pot are three accusations relevant to the subject of money and serving two masters. Thank God for the new covenant of reconciliation to save Man from such dire charges.

 

Blending the New and Old Testament – What is God’s Position Now Concerning Man Serving Two Masters

 

Harmonizing the New and the Old Covenant

God, in the old covenant, punished Israel’s sins of idolatry, oppression, and pride. They died from the plague, sword, and famine (Eze5:12), leaving a remnant in exile or scattered. It is evident in the new covenant Jesus’ sacrifice has satisfied God’s wrath. Else Christians would die ghastly deaths in mind-boggling numbers for these same transgressions.

God has new two overarching goals in the new covenant compared to the old covenant’s overarching goals: to obey and live or sin and die. The new covenant goals are to believe, and the spirit be born again (John3), and genuine faith works to save the soul (1Peter1).

This spirit-soul topic is extensive and exceeds the scope of this post. For this post, it is sufficient to draw attention to two things. Firstly, God suspends, delays, and alters the “punishment” mode to support soul tempering, detracting from the direct physical death sentence to allow soul salvation to occur. However, His Laws of Sowing and Reaping (Gal6:7-8) that repays wrong for the wrong  (Col3:25) are still in effect, but the main objective is to transform (love motivated). The secondary aim is to punish (justice motivated).

 

Even though the words primary and secondary indicate priority, but in reality, God’s will decides which is primary and which is secondary. God is sovereign to determine whether His will is love or justice motivated. Generally, love motivation is primary, and justice motivation is secondary in the new covenant.

Secondly, because of the first observation, by the Holy Spirit, Peter, James, and Paul were aware of this human condition inclined to take grace as a “license to sin” partly exacerbated by the sense of entitlement (meat in the pot) that abuses the privileges granted.

  1. 1Pet2:16 cautions the believer not to use the liberty offered by the grace of salvation apart from works as a pretext for evil/maliciousness.

 

  1. Jam2:17 cautions the believer that a faith that boasts spiritual salvation apart from works is empty with no results to show. This kind of faith does not save the soul. See the following links for the post, titled “Faith and Work in Harmony,” and Once Saved Always Saved.” These posts specifically address Jam2:17. See link – https://sincerelawrence.com/2020/10/27/faith-and-work-in-harmony-4min-read/ and https://sincerelawrence.com/2020/10/27/once-saved-always-saved-10min-read/

 

  1. Gal5:13 cautions believers not to abuse the liberty of salvation by grace to live to satisfy the flesh, the lust of the eye, the craving of the flesh, and the pride of life (1John2:16).

Given these warnings, Christians should sober-up to recognize they are as challenged in worshiping money as non-Christians. Thus Christians would do themselves a great favor to ditch the hypocritical sense of privilege and entitlement.

 

Conclusion

 

Self-Harm by Serving Two Masters

Believers place themselves in harm’s way when they serve two masters. Harm occurs in two ways.

 

Self-Harm Cycle

Firstly, serving two masters brings self-harm. The constant pendulum swing between the two masters creates an internal civil war in the soul. Each swing brings the soul into a cycle of self-harm illustrated above. Self-harm also occurs, as this deprives the believer of opportunities from obtaining their rewards in heaven and the production of glory in heaven and wealth ranking in heaven. See the following two links.

https://sincerelawrence.com/2020/10/31/currency-of-heaven-10min-read/

https://sincerelawrence.com/2020/11/04/wealth-ranking-in-heaven-10min-read/

 

Secondly, harm occurs because it provokes God’s jealousy and risks violating God’s bottom line to destroy the temple (the body) that continues to practice idolatry. This risk remains notwithstanding Jesus’ blood covering. God remains jealous of believers’ love and does not want to share this love with Mammon. Provoking God is not a sound decision, which is akin to playing with fire, albeit Jesus is offering protection, and God deals with us in His love.

The following post four examines how the world, whether rich or poor, is negatively impacted by money. This post will also explore God’s offer in the new testament to free man from money’s enslavement.