The Borrower is Slave to the Lender

June 13, 2012 § 2 Comments

My family has been attending a new church lately in Nutley, NJ called Liquid Church, and we’ve found that the delivery of the message is quite different from many of the other churches that we have attended. They have a closed-hand/open-hand ideology: closed-hand with the message, meaning that the Gospel is unchanged, but an open-hand with the method, meaning that they will do anything (outside of sinning) to deliver that message. Liquid has tons of online video sermons and resources, which brings me to the point of this post.

Last week, I was online, watching a sermon that Pastor Tim taught called “Broke“, basically a teaching about debt (both US and individual). Anyone who knows me well knows that I’m a bit of an economics geek, and totally eat up talks about finances. In the sermon, Pastor Tim shed light on two verses that really struck me. Here’s the line of thought:

If the borrower is the servant to the lender (Proverbs 22:7), and a man cannot serve two masters, both God and money (Matthew 6:24), then the man that is slave to debt will find it hard to also serve God.

I know… that’s pretty harsh, right? Is that just piecing together scriptures to make a point that condemns people? I argue, “no”.

Let me tell you a short version of my story:

In 2005, my wife and I were married, and we moved to Syracuse, NY so that Rachel could attend Syracuse University to attain her BS in Nutrition and Dietetics, going on to become a Registered Dietitian. When Rachel graduated we became the typical DINKWADs (Dual Income No Kids With A Dog). We decided to lease a couple of cars, had a mortgage, Rachel’s school loans, and shopped relatively frugally. We thought we were doing good because we paid off the balance on our credit card each month.

Both Rachel and I knew that God had a plan for us to be involved in ministry somehow, but there was one major problem: How could we take that leap into ministry while we have to pay service to our debts?

Therein lies the dilemma. The problem is not that a person with debt cannot serve God in some capacity, it’s that to “surrender all” the debt problem needs to go away.

I know that not every person feels called to ministry full time, but just dream with me for a moment. Close your eyes and imagine an Income Statement with your incoming paycheck on one side, and all your monthly obligations on the other. Now take your mental pencil (or pen, sharpie, giant black marker, torch, etc), and eliminate your car payment. Does the amount of money you keep increase a little? Now eliminate your student loan payments. Your credit card payments. Your mortgage. Imagine the amount of your net income, as if you had no monthly debt payments. How much can you now put towards savings, investments, or charitable giving? Would you be able to put some cash away for that rainy day? Could you save up for that church missions trip you’ve wanted to go on? Could you possibly afford to change jobs to one with lower pay but better quality of life, one where God and family can come first?

Think about it. Pray about it. Your life can change, and it can start with freedom from debt-slavery. Stop trying to serve two masters. Get out of debt, and you’ll see your life change for the better.

For Rachel and I to get out of debt in 3 years, we used a tool from a fantastic leadership development company called LIFE. Their Maximizing Your Finances Pack (reference Member #61237401) has been proven to help thousands of people achieve freedom from debt.

Keep reading and leading!

David J. Garza


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§ 2 Responses to The Borrower is Slave to the Lender

  • Mickey Kammeyer says:

    Great stuff! So often, when it comes to money and theology, guilt takes the day. This post is much more practical and reasonable than a typical similar communication. I would only add that when we look at our finances and seek to understand our balance sheet that we also remember God has the income side covered as well and he will take care of us, always. (Deuteronomy 8:18) Again, great stuff! Keep it up!

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