Leviticus 9, Proverbs 24, Psalm 96

Read Leviticus 9, Proverbs 24, Psalm 96.

This devotional is from Proverbs 24.

It is tempting to choose the most comfortable option. Today’s reading gives us two Proverbs that caution us against this easy choice.

The first proverb is 24:27: “Put your outdoor work in order and get your fields ready; after that, build your house.” I visualize this piece of wisdom going from Solomon to his newlywed son. As the young couple begins to embark on life together, they dream of having a home of their own. Using the property subdivided by his father, the young couple faces a choice: spend their time and whatever money they have building a comfortable starter home on their new land or live with ma and pa for a while as they work the soil, plant the crops, and tend to the weeds. After the process of starting their farm has begun and the growth of the crops looks promising for their first harvest, then they can start to build a home of their own.

No one really wants to live with their parents and it’s more fun to build a house than to plant a field. But the field will produce income. It will get you started in life financially. It will provide for you in the future. If you build the home first it will give you your independence and a comfortable start to your life as an adult, but it will also drain your finances and delay that first harvest. It is far wiser to put productivity over comfort in the short term so that you can be more comfortable in the future but that takes a disciplined approach to life that probably does not come naturally to most people.

In a similar way, verses 30-34 describe the ease of laziness. If a farmer skips one day of planting, is the crop ruined? No, but it is easy to let one day off become one week off; our legitimate need for rest can snowball (v. 33). We feel as if we’ll be able to work better tomorrow if we rest up today. That may be true; it may also be a way of rationalizing our procrastination.

I lived most of my childhood as a procrastinator. I came home from school and told myself I would do homework or study for my test after I ate a snack. Oh, but Scooby Doo is on, so I’ll watch that just to relax for a few minutes. It’s going to be dinner time soon so I’ll get busy after that. You get the idea. I created habits of laziness in my life. By the time I was in seminary, I was turning in papers at the last minute after an all-nighter. I got decent grades but in my heart I knew I wasn’t doing my best work or getting the most out of the opportunities God had given to me. Eventually I learned to build some disciplined habits, but even today if I deviate from those habits, the old sin of procrastination is ready to slither back into my life.

But what does any of this have to do with God? These are wise bits of knowledge and helpful for productivity but couldn’t we have learned them from somewhere else? Why did God encode them into his holy word?

One answer is that these productivity problems—seeking the easy and comfortable way and allowing laziness and procrastination to take over—are spiritual problems. They are manifestation of a heart that wants to disobey God. God created the world to respond to the diligent work of humanity. He gave us everything we need to provide for ourselves but we have to obey his laws of sowing and reaping, of prioritizing investment over consumption.

Our faith in Christ should lead us toward a productive life because we have faith in his commands and know that when we obey his commands and work with diligence, God will provide and bless us.

Exodus 37, Proverbs 13, Psalm 85

Today we’re reading Exodus 37, Proverbs 13, Psalm 85.

This devotional is about Proverbs 13:7: “One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth.”

Two of the best books I’ve ever read about personal finance were written by the late Thomas Stanley. They are titled, The Millionaire Next Door and The Millionaire Mind.

Stanley was a research professor who studied millionaires in America. He found that most millionaires did not come from wealthy families. Instead, they acquired wealth by owning their own business or businesses and being frugal with the money they made. They were far more likely to drive Ford F-150s than any make or model of sports car or luxury car.

In one of the books (I think it was The Millionaire Next Door) Stanley quoted a millionaire he had interviewed as part of his research. This man was a Texan and had a phrase to describe people who drove expensive cars and wore expensive clothes. That phrase was, “Big hat; no cattle.” The image is of a man who thinks he’s a cowboy because he wears a big cowboy hat but he’s not a cowboy because he’s got no cattle. A “big hat; no cattle” person, then, spends like he’s wealthy but, in part because he spends so much, he has very little actual wealth.

Thousands of years before “Big hat; no cattle,” was first spoken, Solomon observed the same truth. Here in Proverbs 13:7, he warns us to beware of appearances when it comes to wealth. On one hand, “One person pretends to be rich, yet has nothing.” This is able to project the appearance of wealth by spending money on expensive items. While he or she may have excellent taste in fashion, they have little to nothing in actual assets because they don’t make enough money to both save money and buy expensive luxury brands. Car leases with low monthly payments and easily available credit cards make the appearance of wealth easier than ever. But the fact that someone drives a BMW and wears Gucci shoes tells you nothing about that person’s actual level of wealth.

On the other side, Proverbs 13:7 says, “another pretends to be poor, yet has great wealth.” This is the person who spends far below what he or she earns. People in this category may have a high income or an average to low income but they spend as little of it on consumer items as possible. Instead of spending everything they earn, they put the money in savings. Once they have enough saved, they look to buy assets that build wealth instead of material objects that lose wealth. Which is better–to buy a $1000 iPhone or $1000 in Apple stock? The Apple stock is not tangible or visible. It doesn’t impress your friends or new acquaintances. But, if it is a good investment (and this is not investment advice, by the way), that $1000 can grow and keep increasing in value long after the iPhone has been recycled.

People in our world make snap judgments about someone’s wealth based on the cost of what they own but, the truth is that what someone owns has nothing to do with how wealthy they are. In fact, the more they spend money, the less likely they are to be building wealth. Those who become wealthy live frugal lives, save money, and invest it well.

This passage does not commend us to be greedy; it encourages us to be wise about what we do with the money that God enables us to earn. How are your finances? Are you saving and trying to build wealth as a good manager or do you spend every dollar that comes your way?

Which of the two types of people described in Proverbs 13:7 would God want you to be? How can you get there?


Here’s an article from Dr. Stanley’s blog where he wrote briefly about all of this: http://www.thomasjstanley.com/2014/05/america-where-millionaires-are-self-made/