money

Leviticus 9, Proverbs 24, Psalm 96

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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.

Leviticus 7, Proverbs 22, Psalm 94

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Read Leviticus 7, Proverbs 22, Psalm 94.

This devotional is about Proverbs 22:9.

Many people–most of us, probably, at some point in our lives–live under the delusion that more stuff or better stuff will make us happy. We think that nicer clothes, or a new car, or a house in a better neighborhood, or just some more spending money to go out when we want is what we need. We think that money is the antidote to worry because if we had the money, we wouldn’t have to worry if the car breaks down. Or, we think that spending is the cure for boredom because dinner and a movie sounds better than leftovers and reruns.

One symptom of our materialism is stinginess. The person who wants more and better stuff has a hard time giving anything to someone else because each dollar spent on others is one less that could go toward that new iPhone.

Proverbs 22:9 urges us to reconsider. It says, “The generous will themselves be blessed….” Being “blessed” means being “prospered” in the loosest sense of the word “prosper.” Sometimes that blessing is material prosperity. The Bible tells us that the things we have and the money that comes into us is God’s blessing in our lives. Other times, though, being “blessed” in scripture refers to the joy or contentment that only God can give. That joy or contentment is usually distinct from our circumstances. There are poor people with joy and wealthy people who are miserable. There are people who are ill or aging or who have experienced many problems in life who live each day happily as a gift from God. Likewise, there are some very bitter, unpleasant people who have only first-world problems.

This verse told us that those who are generous will be blessed in some way. Is that blessing the blessing of joy or is it the blessing of material prosperity?

The last half of verse 9 may hold the answer. It says that they generous will be blessed “for they share their food with the poor.” This phrase gives the reason why God blesses them. Because they share with others, God shares blessings with them. But what if sharing “food with the poor” IS the blessing? In other words, what if the blessing God gives to the generous is the joy of helping others? What if God is telling us that there is a blessing built in to generosity because it triggers gratitude in those who have their needs met by your gift? What if God wants us to know that within every poor person there is a potential relationship that your generosity might unlock?

If you have no needs, no threats, no real problems in your life but you lack real joy, it’s time to open up your wallet and start sharing. When you share your time serving others in need and spend your money on those who don’t have it, you might find joy like you’ve never experienced before. Take this truth statement and think about how to apply it in your life; the result might make you happier than you can possibly imagine because it will make a real, meaningful difference in someone else’s life.

Exodus 37, Proverbs 13, Psalm 85

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Read 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 person 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?

Exodus 31, Proverbs 7, Psalm 79

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Read Exodus 31, Proverbs 7, and Psalm 79.

This devotional is about Exodus 31.

At times in my life I have heard people make negative comparisons between “secular” work and the work of the ministry. For example, one successful businessman said he’s just “building a bonfire” because 1 Corinthians 3 talks about a man’s work being either “gold, silver, and precious stones or wood, hay or straw.” Then the passage goes on to say that the Lord will test each man’s work by fire, so the “wood, hay or straw” will be burned up.

I don’t think he was interpreting that passage correctly but his interpretation was that saving souls, teaching the Word, and building up Christians was work that would last for eternity while everything else would just burn up.

The previous chapters in Exodus described the tabernacle and all the furniture and tools that the priests would need to minister before the Lord. Here in Exodus 31:1-5 we read, “Then the Lord said to Moses, 2 “See, I have chosen Bezalel son of Uri, the son of Hur, of the tribe of Judah, and I have filled him with the Spirit of God, with wisdom, with understanding, with knowledge and with all kinds of skills—to make artistic designs for work in gold, silver and bronze, to cut and set stones, to work in wood, and to engage in all kinds of crafts.” This man Bezalel was a godly man; he was filled with God’s spirit, wisdom, understanding, and knowledge. But he had other gifts, too, ones that are not usually connected to godliness. Those gifts were “skills—to make artistic designs for work in gold, silver and bronze, to cut and set stones, to work in wood, and to engage in all kinds of crafts.” Where did he get these skills? They were gifts of God which probably means that he had some natural ability in these areas. Where were these gifts honed? Making bricks and tools and other stuff as a slave in Egypt. For the first time in his life, this godly man had the opportunity to use his “secular” gifts for the Lord’s work. But was this the first time in his life when his work mattered?

No.

Read that again: No.

This was not the first time in his life that his work mattered. The rest of his work life was not “building a bonfire” at all. The same is true for you, no matter how you earn your living. The work you do as a Christian matters whether or not it is done in secular or sacred contexts. Here are some reasons why:

  1. God created us to work and to make skillful and practical use of this earth an the resources in it. In Genesis 1:28 God commanded Adam and Eve to “…fill the earth and subdue it.” In Genesis 2, before Eve was even created, verse 15 says, “The Lord God took the man and put him in the Garden of Eden to work it and take care of it.” Working the garden and taking care of it was God’s will for Adam. The curse on Adam when he sinned was not that he would have to work but that his work would be hard (Gen 3:17-19). When you do work that makes good use of God’s creation, you are doing the will of God. That work matters.
  2. Doing “secular” work develops skills that can be used in “sacred” contexts. That’s what’s happened to Bezalel. If you’ve ever used anything you’ve learned in your profession to help our church or some other ministry, you’ve been used by God to serve him. That work matters.
  3. Doing “secular” work gives you the opportunity to develop godliness in your life. Working in a frustrating world (because of the curse of Gen 3) and with frustrating people gives a believer the opportunity to develop the fruit of the Spirit. It can teach you to love the unlovely, have joy when things fail or disappoint you, be at peace when there is turmoil around you and so on. Note that in our text, Exodus 31:3, God described Bezalel as a godly man. He was “filled with the Spirit of God, with wisdom, with understanding, with knowledge.” That godliness was cultivated as a slave in Egypt, using his skills to serve godless men. It was hardly a waste of time, then, given the difference it made in his life.
  4. Doing “secular” work pays you which supports your family and, through giving, it supports God’s work financially.

I put the word “secular” in quotes throughout this devotional for a reason. I don’t really think there is a true distinction between “secular” and “sacred” work. Please do not consider your work futile and unimportant. It doesn’t matter if you are a stay-at-home parent, a CEO, an assembly line worker, a brain scientist, or a pastor. What matters is that you are faithful to do what God calls you to do and to cultivate Christlikeness as you do it.

Exodus 30, Proverbs 6, Psalm 78

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Read Exodus 30, Proverbs 6, and Psalm 78.

This devotional is about Proverbs 6:6-11.

Ants are disgusting creatures who have no business being in my house.

That said, they are remarkable workers. There are some time-lapse videos on the Internet that show how hard they work to break down large food items for their colony. Some of the items, like a grapefruit, are huge compared to the size of one ant. Working together diligently, however, they can pick the whole thing apart in a few hours.

Here in Proverbs 6:6-11, Solomon encouraged the “sluggard” to think about the hard work of ants. A sluggard is foolish because he is lazy. The first thing Solomon encouraged the sluggard to notice about ants is that they don’t need a boss. Verse 7 says that it “has no commander, no overseer or ruler.” This sounds like a dream life to many people; a life with no boss, no authority. If a lazy person had no one in authority over him, he would do nothing productive all day, day after day (vv. 9-10). An ant, however, “stores its provisions in summer and gathers its food at harvest” (v. 8). Each ant works hard to provide for the colony even without a supervisor.

The point here is that the sluggard needs to learn how to be productive without external supervision or discipline. Many people will do nothing unless they are told to do it but a wise man will learn to work diligently without supervision to be profitable and prepared for the future. The foolish lazy man, by contrast, is warned that “poverty will come on you like a thief and scarcity like an armed man” (v. 11).

Many people are hardworking in most areas of life or lazy in most areas of life. Many of us, however, work hard in some areas while neglecting to work hard in other areas. We may be productive employees, even without much supervision, but we’re lazy about managing the money we make. Or perhaps we’re diligent about physical fitness but not about our spiritual lives. What area in your life should you apply wisdom to be more ant-like?

We would also be wise to teach our kids to be self-starters and diligent without supervision. These are essential skills for success in our world and very rare. Encourage your kids to work on that term paper for a little while every night instead of trying to do it all in one weekend or–worse–one caffeine-fueled all-nighter. It will serve them well all the days of their lives.

You might enjoy watching this brief video about ants: https://www.youtube.com/watch?v=Dgtepw39NX4

Exodus 25, Proverbs 1, Psalm 73

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Read Exodus 25, Proverbs 1, and Psalm 73.

This devotional is about Proverbs 1.

We live in the information age. Knowledge abounds and most people carry a device in their pocket or purse that can access it. Although knowledge is readily available, wisdom is rare. People in our society know more than ever but seem to have fewer and fewer basic life skills.

The word “wisdom,” biblically speaking, at least, refers to skill. It is the skill of living a successful life according to God’s definition of success. Although I said that wisdom is rare in our society, Proverbs 1:20-21 claims that wisdom is ubiquitous—nearly as common as oxygen. To demonstrate this, Solomon imagined wisdom as if it were a woman and wrote, “Out in the open wisdom calls aloud, she raises her voice in the public square; on top of the wall she cries out, at the city gate she makes her speech” (vv. 20-21).

If wisdom is everywhere then why is it so rare? The speech of “woman wisdom” in verse 23 tells us why: “Repent at my rebuke! Then I will pour out my thoughts to you….” Wisdom is rare because only the humble receive it. It takes humility to admit that you lack skills with God, with money, with other people, with the opposite sex, with career choices, with your own bad habit like laziness, etc. Most of us are too proud in one or more of the areas where we need wisdom which is why we continue to make foolish decisions.

As we read the book of Proverbs over the next 30 days, note how often the idea that your own ideas or understanding will lead you astray. That’s how our pride manifests itself. We try to figure everything out on our own, so we don’t ask God for wisdom, turn to his Word for wisdom, or seek the counsel of wise people. If we would only change our minds (v. 23: “repent”) and admit that we’re on the edge of big trouble most of the time, wisdom would be right there waiting to give us a great big kiss.

Sometimes we succeed or avoid danger / failure despite our lack of wisdom but very often our foolishness gets the better of us. But living in folly and making decisions without wisdom catches up with us most of the time. The reason is that there are built-in effects to the decisions we make. When we make wise decisions, good things happen; when we make foolish decisions, we suffer for it. Verses 25-27 promise that disaster and calamity will come to those who refuse wisdom’s rebuke. Verse 30-31 tell us that this disaster and calamity is embedded in folly; it is the direct consequences of unwise choices: “Since they would not accept my advice and spurned my rebuke, they will eat the fruit of their ways and be filled with the fruit of their schemes. For the waywardness of the simple will kill them, and the complacency of fools will destroy them….”

Wisdom is a moral thing. That’s why it starts with fearing the Lord (v. 7). God’s commands are wisdom. When we sin, we choose folly and put ourselves directly in the path of a category 5 hurricane of disaster. But our sin nature fools us into believing that we know better than God and his Word; consequently, we humans make the same foolish decisions over and over, generation after generation, never learning from foolish disasters created by those older than us. We need God’s grace to overcome our foolishness so that we can be wise. This is what we have in Christ.

Is there anything in your life right now that you need to repent of? Any sins you’re committing or have committed that you need to change your mind about? Wisdom is begging you to do it before calamity comes. Turn toward her open arms! God’s promise to you through her is, “whoever listens to me will live in safety and be at ease, without fear of harm” (v. 33).

Exodus 15, Job 33, Psalm 63

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Read Exodus 15, Job 33, Psalm 63.

This devotional is about Psalm 63.

The human body can live for a few weeks without food, for a few days without water, and for a few minutes without oxygen. If your body is deprived of any of these things for long enough, it will be difficult for you to think about anything else. If you can’t breathe and will die in a few minutes, you won’t care how you’re going to pay the mortgage next month or whether the Lions will draft a quarterback in the first round.

The superscription to this Psalm claims that David wrote it “in the Desert of Judah.” In verse 11, he refers to himself as “the king” so the setting of this passage may be when David fled from Absalom his son. Although he was not in immediate danger of starvation or dehydration, David was in a state of deprivation. He was cut off from the water springs of Jerusalem and from “the richest of foods” he would have enjoyed in his palace. What David craved in the desert, however, was not water or food; it was God. “You, God, are my God, earnestly I seek you; I thirst for you, my whole being longs for you, in a dry and parched land where there is no water.”

Out in the Judean desert, David was deprived of God in the sense that he couldn’t see God “in the sanctuary”—that is, the Tabernacle—anymore. He couldn’t offer sacrifices, sing with the people, or hear the Torah read and explained. Living in exile, excluded from the comforts and necessities of life, David longed for God more than anything else. He believed that, “I will be fully satisfied as with the richest of foods” when he rejoiced in God.

None of us knows what it is like to run for your life into the desert. But some people–maybe some reading this, even–know what it is like to have all our financial reserves stripped away and to be evicted from your home. Others know what it is like to lose your family in tragedy or divorce. In our moments of deprivation–and desperation–do we long for fellowship with God or simply for him to deliver us from discomfort? The Bible encourages us to enjoy everything we have–family, material goods, good weather, whatever–as gifts of God. But this Psalm calls us to believe that nothing can satisfy us like knowing and worshipping God can (vv. 1, 5, 11). Does your walk with God give you that kind of joy and satisfaction?

Genesis 13, Nehemiah 2, Psalm 12

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Read Genesis 13, Nehemiah 2, and Proverbs 1:20-33.

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 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.

2 Samuel 4-5, Ezekiel 44, Mark 8

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Read 2 Samuel 4-5, Ezekiel 44, and Mark 8.

This devotional is about Ezekiel 44.

Despite the fact that Judah’s exile in Babylon had barely just begun, God continued speaking through Ezekiel about what the future temple and worship in Israel would be like. Remember that this exile would last for 70 years, so none of the things Ezekiel talked about in this chapter could or would happen for several decades.

With that in mind, it seems a little absurd to be speaking in so much detail about God’s standards for Israel’s future. It would be like going to prison for 30 years for tax fraud and, while you are there, planning to start a new corporation when you’re released and writing the employee personnel manual for that corporation as if you had 100 employees. Who would do that? It seems like a complete waste of time and energy.

So why would God, of all people, do that? Because his plans for Israel were fixed and his word was certain. There should be no doubt in the mind of any Israelite that their society would be restored and that worshiping God would be at the center of it. Rather than wait for things to develop on their own or for people to make up regulations and laws on the fly, God planned it all out in advance and revealed it to Ezekiel long before any of it would happen.

The last 2/3rds of today’s chapter, Ezekiel 44, talks about how the Levites and priests would minister before the Lord. In verse 28 God said, “‘I am to be the only inheritance the priests have. You are to give them no possession in Israel; I will be their possession.” Levi’s tribe was the only one of Israel’s twelve tribes that did not have a geographic place assigned to it. The men of Levi were to fan out to all the tribes of Israel and live among the cities, towns, and villages of all the people. They could buy their own land and even farm it, but they were not given any land to possess as every other tribe and family was. When it was their turn to minister before the Lord in the Temple, they would come to Jerusalem and live in those rooms that were described in chapter 42 of Ezekiel and alluded to here in Ezekiel 44:19. Yes, the temple had something like a hotel in it where their priests would live temporarily during their duties in Jerusalem. But the rest of the year they lived among the rest of God’s people in cities, villages, and countrysides. 

What did they do when they were not on temple duty? Well, many of them ran family farms or had other side businesses, but their main task was to serve God’s people in non-temple ways. Those were discussed in this chapter as well:

  • First, they were teachers. Verse 23 says, “They are to teach my people the difference between the holy and the common and show them how to distinguish between the unclean and the clean.” 
  • Second, they were judges. Verse 24 says, “In any dispute, the priests are to serve as judges and decide it according to my ordinances.” 

These two duties could keep the priests busy throughout the year depending on how many other priests lived near them and what the population density was around them. Any side businesses they had were to take the backseat to God’s original call on their tribe to be priests. 

That brings us to the compensation portion of this chapter. After stating that God would be the inheritance of the priests in verse 28, he spelled out specifically how that would work in verses 29-31: the priests would live off of the offerings God’s people made in worship to Him. Verse 29a says they will eat what the people bring that is edible. Verse 29b says that the priests will own anything that has been devoted to the Lord by his people. And verse 30 commanded the people to bring “the best” and “the first portion” of what they produced. 

Pastors like me are not priests but we do many of the functions God gave to priests in verses 23-24. Furthermore, the New Testament drew from the principles in this chapter (and many others) and commanded God’s people to support their church leaders financially. We depend on the tithes, offerings, and gifts that you give to the church for our livelihood. If you and others don’t give, or just give the leftovers, not the first portion as commanded in verse 30, we have to figure out how to do without the things we need to live and do ministry. The point of this devotional, then, is to say that all of us should be giving faithfully to God’s work and that our giving should come first, not after we’ve paid the bank for a house or a car or a boat or whatever. If you give what you can after you’ve paid your obligations, God’s work will have very little because most people don’t save anything at all.

Again, verse 28 says, “I am to be the only inheritance the priests have. You are to give them no possession in Israel; I will be their possession.” It is a great privilege to have the Lord as your portion in life. I once heard John MacArthur say that being a pastor is like being paid to give your full attention to growing in Christ and living the Christian life. I fully agree with him and am so grateful for the opportunity I have to do this. But we pastors are dependent on the financial support of God’s people. Not all churches believe in or practice tithing but all of us depend on the generosity of God’s people. So, I encourage you to make giving to the Lord’s work a priority in your life. God’s work depends on it and this is the way God established to fund his work.

2 Samuel 1, Ezekiel 41, Proverbs 21:15-31

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Read 2 Samuel 1, Ezekiel 41, and Proverbs 21:15-31 today.

This devotional is about Proverbs 21:20.

You’ve heard people say, “We live hand to mouth.” Maybe you’ve even said it. When someone says that, they are telling you that they do not save anything. Whatever they earn in income is immediately consumed. Every penny is spent and, with easy credit these days, many people have already spent more money than they will earn for many paychecks to come.

This is the American way, unfortunately.

But it isn’t the wise way. According to Proverbs 21:20, “The wise store up choice food and olive oil, but fools gulp theirs down.” Remember that wisdom has a moral quality to it in Proverbs. So, the way of the wise isn’t just something that smart people do; it is what godly people do. 

If a person takes God’s word seriously, that person knows that God created people to work and provide for ourselves. Also, God’s word tells us to prepare for difficult days. These revelations from God’s word are what cause a wise man to “store up choice food and olive oil.” A believer in God understands that difficult days will come so he prepares for them by saving.

A fool, by contrast, is a consumer. He or she craves the experience of pleasure, the excitement of new purchases, the status provided by nice things. Instead of saving, then, the foolish consumes everything as soon as it comes in. And so, verse 17 of our passage today prophesies, “Whoever loves pleasure will become poor; whoever loves wine and olive oil will never be rich.”

A person’s savings or lack of savings is not the only indicator of faith and godliness. Every Christian has areas where they are doing well and areas they need to improve. If you’re reading these devotionals every day, you’re taking a positive step toward a holy life. If you’re putting into practice the things that you read, that’s even more important. Maybe today’s proverbs will give you a new area in your life to work on for developing godliness. If you’re not saving anything, understand that is both a financial and spiritual problem, then ask the Lord to help you curb your spending and start saving.

1 Samuel 16, Ezekiel 27, Proverbs 20:16-30

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Read 1 Samuel 16, Ezekiel 27,. and Proverbs 20:16-30.

This devotional is about Ezekiel 27.

Tyre was an incredible place to live. Its location on the shoreline of the Mediterranean Sea made it a pleasant place with sandy beaches and expansive views of the water (vv. 1-3).

Its location on the coast also made it a profitable place to be. Merchants would dock their ships there bringing goods from far away places. People—like the Israelites, for example—who were further inland would go to Tyre to buy what the ships brought; they would also go there to sell what they had to offer. It was a key marketplace for the nation of Israel and her neighbors (vv. 12-25).

Because there was so much interesting merchandise coming and going and so much money changing hands, Tyre was not only a naturally beautiful lakeshore, it was beautiful for human reasons as well. The very best building materials and the best craftsmen constructed an incredible city to live in and to visit (vv. 5-9).

Imagine what it must have been like for the people of Israel to travel to Tyre. They would arrive loaded with wheat, honey, olive oil and balm (v. 17). After selling it all off, they had money in their pockets so maybe they strolled the beaches for a day or two and enjoyed the food and entertainment the city offered.

All that Tyre had, however was taken away from them because of their wickedness (vv. 27-36).

The prosperity they enjoyed could not protect them from the wrath of almighty God.

It is an important lesson for us, too, given that we live in a prosperous nation. As Jesus told the Laodiceans: “You say, ‘I am rich; I have acquired wealth and do not need a thing.’ But you do not realize that you are wretched, pitiful, poor, blind and naked.”

When someone has financial prosperity, many material things to enjoy, and a beautiful home situated near a picturesque setting, it is easy to forget God. May God’s word of warning and judgment to them cause us to fear him instead of depending on prosperity.

Judges 3, Jeremiah 49, Proverbs 17:15-28

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Read Judges 3, Jeremiah 49, and Proverbs 17:15-28.

This devotional is about Proverbs 17.

One who has no sense shakes hands in pledge and puts up security for a neighbor.

Proverbs 17:18

When I was in seminary, I was a volunteer assistant pastor at a small church in Lansing. There was a woman who was a member of the church and her brother also attended. The woman was married and had several children; her brother was single. For some reason that I can’t remember, he became unemployed. He didn’t have a lot of expenses except for a $700 a month payment for a new truck he had purchased. It turned out, though, that his sister and her husband had co-signed the loan for that truck so, when he couldn’t pay, they became responsible for those high monthly payments.

My guess is that this couple wanted to do something kind for the woman’s brother. She was older than her brother; maybe she’d always mothered him a little bit. Maybe he really wanted that truck and had enough income to afford the monthly payment but was too much of a credit risk for anyone to extend him an auto loan. Instead of saving the money to buy it, he asked or convinced or guilted his sister and brother-in-law into helping him get the financing he couldn’t get for himself. I don’t really know what the backstory is but I do know that the husband and wife in this situation made a decision to help her brother that they later regretted.

That’s what is going on here in Proverbs 17:18. When verse 18 says, “One who has no sense shakes hands in pledge…” it is describing a third party (like the woman and husband in my story) who promises to guarantee someone else’s loan.

The idea is that Fred the Farmer wants to buy a new plow for his field. After the next harvest, he’ll be able to pay for it but he wants it now for this year’s planting. Peter the Plow Salesman agrees to let him have the plow in May with full payment due sometime in November but Peter insists that he has someone else guarantee payment. Fred the Farmer comes to you and says, “I can totally pay for this myself after the harvest. You’re at no risk. Would you mind putting up your mule as collateral for this loan?”

Proverbs 17:18 says you have “no sense” if you do that. The final phrase in that verse, “and puts up security for a neighbor” makes the same point. If you guarantee someone else’s debt, you are making an unwise decision.

Usually there is a good reason why someone like Pete the Plow Salesman wants a third party to guarantee payment. Maybe Fred the Farmer is already deeply in debt and Pete the Plow Salesman doesn’t want to be the last creditor to be paid. Certainly Fred the Farmer is broke, otherwise he’d have saved the money and paid for the plow in cash. But you and I might not think about those risks when someone asks us to help them, especially if that someone is your mother or father-in-law or sister or son or nephew or close friend from way back in high school. We tend to trust people we love and our love for them makes us want to help. So it is hard to say no when someone asks you to put your finances at risk.

But Solomon warns us here not to let our desire to be liked and to be helpful deceive us into a bad situation. Have you done that? Proverbs 6:1-5 tells you what to do about it. In summary, go and beg to be released from the obligation.

If you’ve made an unwise money decision, the best thing you can do is get out of it as soon as you can. Sell that house you can’t afford, negotiate with your creditors to lessen the amount you owe and pay it off as soon as possible.

God wants you to live a life that is free of the anxieties and risks that come with unsecured debt. Take his word, put it into practice, and learn to be wise in financial matters.