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/

Exodus 28, Proverbs 4, Psalm 76

Today’s readings are Exodus 28, Proverbs 4, Psalm 76.

This devotional is about Exodus 28.

Exodus 28 described the uniform that the priests were to wear. Most of the garments that made up this uniform were for all the priests when they ministered in the Holy Place (vv. 43). Some pieces were reserved for only the high priest to wear (v. 15). Besides a description of each piece in the uniform, this chapter tells us the following:

  • The purpose of these garments was to give them “dignity and honor” (vv. 2, 40).
  • The names of Israel’s tribes were inscribed on stones and warn over the priest’s heart (vv. 9-12).
  • The breast piece was designed to make decisions for Israel and that was to be warn “over his heart before the Lord” (v. 30).

The names of Israel’s tribes were inscribed on stones which were warn over the priest’s heart. This should have helped him be conscious of what he already knew which is that he represented the people before God. Every time he put on the ephod, he had something tangible to remind him of his responsibility for all of Israel’s people. Likewise, every time he put on the breast piece, he had a physical reminder that God was the king of Israel and he was making the decisions for his people. Still, the best human priest could only imperfectly remember the people and his responsibility to them and the Lord and his way of revealing his will.

Aaron was a man, just like every other priest. As a man, he felt responsible for the work he was supposed to do. But he also experienced the concerns of everyday life–anxiety, perhaps, fear, loneliness, doubt, greed, envy, lust, and more. There were some times and some priests, I’m sure, where very little thought was given to the people or to the Lord’s will because the priest was preoccupied with his own stuff.

Jesus, our perfect priest, however, did not suffer from the sinful and/or selfish concerns that every other priest wrestled with as he did his duty for God. Jesus needed no reminder that his priestly ministry was for the people. The Bible tells us that his people were chosen by name to be in Christ before the foundation of the world. Jesus was able to reveal God’s will like no other priest because he was God in the flesh. He did not need the Urim and Thummim over his heart to know and be conscious of God’s will; he knew God’s will intimately because he was the one willing it. Likewise, he did not need a reminder of the people whose sins he atoned for because he knew perfectly and completely each one of us. As the perfect man, because of his divinity, he was and is able to be our perfect priest without being distracted by his own human “stuff.” Instead of bearing a category representing us over his heart, he made atonement for and intercedes for us because we are in his heart.

Praise Jesus for fulfilling the symbols in this passage perfectly as our great high priest.

Genesis 13, Nehemiah 2, Psalm 12

Today we’re scheduled to read Genesis 13, Nehemiah 2, and Psalm 12.

This devotional is about Genesis 13.

Abram and Lot must have had some kind of close personal relationship. Genesis 11:31 told us that Lot was Abram’s nephew. The fact that Lot went with Abram (12:4) when Abram left Ur suggests a close, personal friendship between Abram and Lot, one where Abram was most likely a mentor that Lot looked up to.

God had promised, in Genesis 12:3, that he would bless anyone who blessed Abram. Lot’s personal association with Abram sure seems to have brought God’s blessing to Lot’s family. As we read today in Genesis 13:6, Lot and Abram became so wealthy that “they were not able to stay together.” So, they separated themselves geographically and Abram graciously gave Lot the power to choose which land each of them would inhabit (vv. 8-9).

Verse 10 told us that Lot made his decision based on what would benefit him most economically. As a rancher, a “well watered” plain “like the garden of the Lord” would provide the best environment for Lot’s flocks and herds to thrive, contributing bigly to Lot’s bottom line. So Abram and Lot parted for economic reasons and Lot chose his next home for economic reasons.

Verse 12 told us that “Lot lived among the cities of the plain and pitched his tents near Sodom.” The next verse told us that Sodom was inhabited by wicked men. When I was growing up, messages I heard on this text suggested (maybe even stated directly) that Lot “pitched his tents near Sodom” because he was curious about the wicked lifestyle of the people who lived there. I don’t think that is correct, based on 2 Peter 2:7-8. I think Lot lived near the cities, especially Sodom, because it gave him a great market for his livestock. So, again, he chose what was best for himself and his family’s prosperity despite the spiritual threats Sodom would pose to his family.

I believe the prosperity gospel is wrong, a heretical distortion of the gospel. But I don’t believe that prosperity is wrong; in fact, I believe that we should prosper—unless God chooses not to allow us to prosper–because our faith causes us to work hard and act prudently with money. So, I’m pro-economic growth for all of us within the sovereign and the moral will of God.

But, if prosperity drives all of our decisions, we will make bad moral choices (see 1 Timothy 6:10). This happened to Lot, as we’ll see.

How about you and me? Do we choose to take a job with a better salary without considering how it might affect our families? What about the choices we make when it comes to spending money? Are your kids enrolled where they are in high school or college because you can save money that way? Did the spiritual and moral costs of that decision factor into your choice? Money is important; we all need it to live and I pray for the prosperity of our church members within the will of God. But don’t let money drive you to make disastrous moral decisions.

Lot would have been so much better off if he had offered to reduce his flocks and herds so that he could stay with Abram. He probably wouldn’t have been better off economically–at least not at first–but he would have retained the moral example and instructions from Abram which would have benefited him in every area of his life. Be wise; don’t allow every big decision you make to be decided only to the money needed.