Pastor Kirk

Reflections from a spiritual pilgrim in Toledo, Ohio


The Money Mess, 13 March 2016

The Money Mess
1 Timothy 6:6-10

Big Idea: Money is not the root of all evil, but it can mess up our lives if we allow it.


Today we’re going to talk about a subject Jesus loved to discuss, a subject He talked about more than heaven and hell combined…money!

Money. Is it a problem for you? It clearly was in the drama.

In our culture we have problems earning money.
We have problems spending money.
We have problems saving money.
We have problems sharing money.

We have a money mess.

In the next thirty minutes I will not solve all of our money problems, but as Tax Day approaches and you’ve had multiple opportunities to invest in God’s work in Toledo and beyond, I’d like to briefly address some money matters with plans to go more in depth in the future.

Earning Money

I was recently privileged to interview more than a dozen Toledoans for a doctorate research project. One question I repeatedly asked was, “What would be good news in Toledo?” A common answer was, “Jobs.” It’s no secret our city has struggled in the midst of the Rust Belt as manufacturing jobs have gone overseas during the past few decades. Although our unemployment rate is only 6.6%, many are underemployed and many have given up entirely on employment and are no longer included in unemployment statistics.

Work is a good thing. Although a burden for many, it was present in the Garden of Eden and I believe will be a part of our eternal lives.

What was Adam and Eve’s work before The Fall?

God blessed them and said to them, “Be fruitful and increase in number; fill the earth and subdue it. Rule over the fish in the sea and the birds in the sky and over every living creature that moves on the ground.” (Genesis 1:28)

That’s quite a responsibility, ruling over the fish, birds, and living creatures. But there was another task assigned.

Now the LORD God had formed out of the ground all the wild animals and all the birds in the sky. He brought them to the man to see what he would name them; and whatever the man called each living creature, that was its name. So the man gave names to all the livestock, the birds in the sky and all the wild animals. (Genesis 2:19-20a)

Adam—and possibly Eve—had to name the animals. Sure, maybe that wasn’t as stressful as dealing with your boss, but think about how creative they had to be after they got through dog, cat, cow, pig, and horse. Rhinoceros. Hippopotamus. That took effort! Seriously, Adam and Eve worked before they sinned and were kicked out of the Garden of Eden. God designed us to work. We will work in heaven.

In the midst of our crazy election circus, allow me to be political for a moment: if you don’t work, you should not eat.

Those who work their land will have abundant food, but those who chase fantasies will have their fill of poverty. (Proverbs 28:19)

This verse is significant not only because it appears in the Old Testament but also because it is reiterated in the New.

For even when we were with you, we gave you this rule: “The one who is unwilling to work shall not eat.” (2 Thessalonians 3:10)

I’m not including, of course, those who cannot work, but every able-bodied person in our nation who wants to eat needs to work. They need to earn money. They need to enjoy the satisfaction of a job well-done, whether it is in a store, the home, an office, or a classroom.

Whatever you do, work at it with all your heart, as working for the Lord, not for human masters, (Colossians 3:23)

We are to work for the Lord…and to earn money to provide for ourselves and, in some instances, others.

Spending Money

This is where USAmericans often get into trouble. Simply: we spend more than we earn.

Non-housing debt is $3.38 trillion. The average household owes $7283 on their credit cards, and only 51% of Americans have enough cash in their emergency accounts to clear themselves of credit card debt.

Debt is a tremendous burden. We’re all aware of the student loan crisis and the earlier housing loan crisis. Proverbs famously states

The rich rule over the poor, and the borrower is slave to the lender. (Proverbs 22:7)

Experts disagree whether or not it is ever appropriate to have debt such as a student loan or a mortgage. The point is simply debt is a burden, and credit card debt, in particular, is a tremendous burden because

  1. Often credit card debt is the result of poor money management and self-control, buying products that depreciate

The solution is simple but not always easy: budget. I admit budgeting has been challenging for me, especially when I was creating annual budgets. I prefer monthly budgeting since incomes and expenses are rarely the same twelve months of the year. has some excellent, free tools for creating a budget and managing your finances.

Dave Ramsey also has a great, free
guide to budgeting.

Saving Money

This is one area where we have struggled as a family. Many financial experts advise a six-month emergency fund plus additional savings for retirement and large expenses such as college, cars, and weddings.

As a matter of full disclosure, our family has never had credit card debt. We had a car payment for one year. We have a mortgage on our home of less than 40% of the home’s value. We have largely avoided debt and lived within our means, but we have little savings. Our emergency fund is small. While I personally wish we had six months of income or more in the bank, there is a benefit to our condition. Again, turning to Proverbs:

Two things I ask of you, LORD;
do not refuse me before I die:
Keep falsehood and lies far from me;
give me neither poverty nor riches,
but give me only my daily bread.

Otherwise, I may have too much and disown you
and say, ‘Who is the LORD?’
Or I may become poor and steal,
and so dishonor the name of my God. (Proverbs 30:7-9)

Unexpected bills have kept us from amassing a great savings account, but they have also kept us dependent upon God for our daily bread. I’m grateful for that. He has never failed us. There have been so many stories throughout our marriage of God supplying our needs—and often our wants—it’s absolutely silly that I have any money worries at all…but I do.

A friend on our trip told me about his least-favorite verse. He finds it so convicting, and so do I!

Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. (Philippians 4:6)

Do you worry about money? Speaking from experience, it usually boils down to our trust in God. Often our worries stem from lack of fail and/or poor stewardship on our part, spending more than we can afford and then feeling the pressure of mounting debt.


Sharing Money

Paul wrote to Timothy…

Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life. (1 Timothy 6:17-19)

Perhaps you’ve read this verse and taken exception. “I’m not rich,” you say. Take a look at this…


I’m not going to ask for a show of hands, but if you earn this much money per year you are in the richest 1% of the world. It will not rank you in the top 1% in the USA, of course, but most of us are in the richest 1%.

But regardless of your income,
are you generous? Or are you stingy?

Do you have an abundance mentality that recognizes the vast resources available to us or a scarcity mentality that clings to every penny?

I must tell you I planned the timing of this message on money months ago, long before I knew we would be raising money for Claro Coffee Bar or our local and international missions partners. I promise you there’s no hidden agenda here, just to be good stewards of God’s gifts.

Imagine my surprise when yesterday I did my daily One Story reading and came across this passage from the Exodus as the people were wandering for 40 years in the wilderness:

Now the Lord sent a wind that brought quail from the sea and let them fall all around the camp. For miles in every direction there were quail flying about three feet above the ground. So the people went out and caught quail all that day and throughout the night and all the next day, too. No one gathered less than fifty bushels! They spread the quail all around the camp to dry. But while they were gorging themselves on the meat—while it was still in their mouths—the anger of the Lord blazed against the people, and he struck them with a severe plague. So that place was called Kibroth-hattaavah (which means “graves of gluttony”) because there they buried the people who had craved meat from Egypt. (Numbers 11:31-34, NLT)

They were gluttons. They were hoarders. 50 bushels per person? That’s a ton of meat!

We have been blessed with a ton of resources. We have not only dollars but freedom, opportunity, brothers and sisters in Christ, education, the Internet, transportation, technology, health,…and let’s not forget the power of prayer and the presence of God.

So What?

We looked at part of Paul’s letter to Timothy. Timothy was in Ephesus, a huge port city filled with great trade and wealth.

Heather and I both found it to be our favorite of the dozen or so cities we visited. This huge city was once buried under dirt and archaeologists keep excavating the area, uncovering incredible relics of this city of at least 50,000 but possibly as many as 200,000 people.

Paul writes to Timothy in Ephesus

But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. (1 Timothy 6:6-10)

Money is not the root of all evil. The love of money is a root of all kinds of evil.

Do you love money? Do you hoard money? Or are you generous?

We often talk about tithing, which literally means giving ten percent. The great thing about a percent is we can all give. We all give a percentage to Columbus and Washington whether we like it or not! The reality is one hundred percent of what we have is a gift from God, a loan from God, if you will. We are to be good stewards of it. We have been blessed to be a blessing. We are not supposed to feel guilty about our wealth, but rather be grateful and generous.

We are to live open-handed, allowing God to give and take away. It’s all His so we can clench our fists and let Him pry things out of our lives or we can freely surrender, knowing He can be trusted with our time, our talents, and our treasures.

You can listen to this message and others at the First Alliance Church podcast here.

Radical Abandonment, 30 October 2011

  • Big Idea: Jesus abandoned everything in heaven for you and for me. He invites us to radically abandon everything on earth for Him.

  • Mark 10:17-31

  • If there is one key verse for the series, it is Luke 14:33 where Jesus says,

  • …any of you who does not give up everything he has cannot be my disciple.

  • For those of you looking for a loophole in the Greek, the word for everything—pas—means “all, everything, whole, always.”

  • Jesus demands radical abandonment—of everything: our time, talent, treasures, relationships, future, education, work, dreams, spouse, children, family…He wants it all!

  • Jesus’ teachings are filled with paradox. They defy conventional wisdom and political correctness. They are the polar opposite of the American Dream that says our highest aim in life should be the pursuit of happiness.

  • Look what Jesus said a few chapters earlier in Luke 9:24

  • For whoever wants to save his life will lose it, but whoever loses his life for me will save it.

  • A few chapters later, He repeats a similar thought

  • Whoever tries to keep his life will lose it, and whoever loses his life will preserve it. (Luke 17:33)

  • He wants all or nothing.

  • Today’s text is found in Mark’s biography of Jesus.

  • As Jesus started on his way, a man ran up to him and fell on his knees before him. “Good teacher,” he asked, “what must I do to inherit eternal life?”

  • “Why do you call me good?” Jesus answered. “No one is good — except God alone. You know the commandments: ‘Do not murder, do not commit adultery, do not steal, do not give false testimony, do not defraud, honor your father and mother.’”

  • “Teacher,” he declared, “all these I have kept since I was a boy.” (10:17-20)
  • Maybe you could say this. You’ve been a good boy or girl. You have lived a good life, never killed anyone, played by the rules, avoided speeding tickets, been a devoted Michigan football fan…!

  • Where did Jesus get this list of commandments? From the Ten Commandments in Exodus 20. Let’s review them together:

  • 1. No other Gods (Exodus 20:3)
  • 2. No idols (4-6)
  • 3. Do not misuse the name of the LORD (7)
  • 4. Remember the Sabbath (8-11)
  • 5. Honor your father and mother (12)
  • 6. Do not murder (13)
  • 7. Do not commit adultery (14)
  • 8. Do not steal (15)
  • 9. Do not lie (16)
  • 10. Do not covet (17)

  • How did you do? Most people that I’ve met would say they are pretty good—after all, they haven’t killed anyone! To be honest, I struggle daily with the first two. I find myself putting my desires above God’s, longing for health and wealth and happiness and doing just about anything to be safe and comfortable despite the needs around me. I look at my favorite idol every time I stand in front of a mirror. But that’s just me!

  • This man was a good man. He obeyed all of the commandments. He probably could’ve been a pastor or elder himself. He had arrived…almost.

  • Jesus looked at him and loved him. “One thing you lack,” he said. “Go, sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me.” (10:21)

  • Was that in God’s top ten list? I missed that!

  • At this the man’s face fell. He went away sad, because he had great wealth. (10:22)

  • Wait! Let’s go back to those first two commandments.

  • 1. No other Gods (Exodus 20:3)
  • 2. No idols (4-6)

  • Do you see what happened?

  • Jesus looked around and said to his disciples, “How hard it is for the rich to enter the kingdom of God!” (10:23)

  • You are rich. Across the country at this very moment there are people occupying Wall Street and other public venues with one slogan. What is it? We are the 99% that will no longer tolerate the greed and corruption of the 1%.

  • Here’s the truth, though: I’m in the 1%. Many of you are, too. No, we’re not among the richest 1% of USAmericans, but we are among the richest 1% on the planet. If you earn $48,000 or more, you are in the top 1% of the richest people in the world. $32,000 places you in the top 6 %, and if you only earned $12,000 you’re still in the top 13%!

  • The disciples were amazed at his words. But Jesus said again, “Children, how hard it is to enter the kingdom of God! It is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.” (10:24-25)

  • Why? It’s all about need. It’s about dependence upon God.

  • The disciples were even more amazed, and said to each other, “Who then can be saved?”

  • Jesus looked at them and said, “With man this is impossible, but not with God; all things are possible with God.” (10:26-27)

  • Many of us know this famous verse—all things are possible with God. Look at the context, though. It’s about salvation. Jesus is saying that we can be saved despite our wealth and idols.

  • I recently heard an interview with a highly educated Muslim man talking about his Islamic faith. When asked if he had any certainty about his eternal destination, he replied that God only knows. He is spending his entire life trying to be good enough to earn God’s favor in hopes that he will pass the test on judgment day and go to heaven rather than hell.

  • Maybe some of you are like that. You’ve been trying hard to be good so God will love you. You have more in common, perhaps, than Muslims. The religion of Christianity has said we must behave a certain way in order to believe and ultimately belong, but Jesus came to abolish religion. He came to offer grace, allow the unworthy to know God, invite sinners to heaven, and provide joy and peace and love to the unlovable.

  • The amazing thing about Jesus is grace, unmerited favor.

  • This past week I had a dear friend call me. We hadn’t talked in many months—maybe even years—but he was concerned that because he had turned away from God in the past, he was destined to hell despite his desire to follow Jesus again. I had him read the end of Romans 8 to remind him that nothing can separate us from the love of God—not even the terrible things we do.

  • That’s grace! If we want God, He will always welcome us with open arms as did the Father in the prodigal son. That’s the good news! That’s the Gospel! It’s not about what we do, but what was done on the cross for us. None of us can be saved—not rich or poor—apart from Jesus and the cross.

  • “Grace is not opposed to effort. It is opposed to earning.” - Dallas Willard

  • Peter said to him, “We have left everything to follow you!”

  • “I tell you the truth,” Jesus replied, “no one who has left home or brothers or sisters or mother or father or children or fields for me and the gospel will fail to receive a hundred times as much in this present age (homes, brothers, sisters, mothers, children and fields — and with them, persecutions) and in the age to come, eternal life. (10:28-30)

  • What does this say about those who radically follow Jesus? It will be worth it.

  • Jesus then concludes with one of His most famous paradoxical statements:

  • But many who are first will be last, and the last first.” (10:31)

  • Play now and pay later or pay now and play later. The choice is yours. You can cling to this world, or invest in the world to come.

  • We use a lot of words to describe God. Jesus. Teacher. Savior. King. Son. Prince of Peace. Father. Perhaps the most challenging is LORD. He gives us commands, not considerations or suggestions. He’s not out to get us, though. He knows that if we lose ourselves, we will find. If we give, we will receive. If we surrender, we will discover freedom. If we die, we will truly live.

  • The Apostle Paul, arguably the most important figure in the New Testament after Jesus, said

  • I want to know Christ and the power of his resurrection and the fellowship of sharing in his sufferings, becoming like him in his death, and so, somehow, to attain to the resurrection from the dead. (Philippians 3:10-11)

  • Paul is either insane or he is saying that by dying, he can experience resurrection and new life. When we die to ourselves, God can begin to recreate us. As the prophet Ezekiel wrote,

  • I will give you a new heart and put a new spirit in you; I will remove from you your heart of stone and give you a heart of flesh. – Ezekiel 36:26

  • You’ve got to let go, though.

  • Never Alone

  • This is a challenging message. This has been a challenging series. I’ve been reminded each week that I need to die, and just when I feel like every part of me has been surrendered, I discover another place where I’m holding on. Death can be scary, especially when everyone else around us is living their normal lives.

  • This is where the Church becomes so vital. We are a family. We are a community. We need one another. We need to encourage one another. We need to mentor and disciple one another. We need to spur one another on toward our own death and Christ’s life.

  • Perhaps the most graphic description of this is found in the second chapter of the book of Acts.

  • They devoted themselves to the apostles’ teaching and to the fellowship, to the breaking of bread and to prayer. Everyone was filled with awe, and many wonders and miraculous signs were done by the apostles. All the believers were together and had everything in common. Selling their possessions and goods, they gave to anyone as he had need. Every day they continued to meet together in the temple courts. They broke bread in their homes and ate together with glad and sincere hearts, praising God and enjoying the favor of all the people. And the Lord added to their number daily those who were being saved. (Acts 2:42-47)

  • Do you see it?

  • They were radically committed to the Word of God and the apostle’s teaching.
  • They were radically committed to fellowship together, in public and in homes.
  • They were radically committed to prayer, experiencing miracles.
  • They were radically generous, giving to anyone as he had need.
  • They were radically committed to one another, meeting together daily.

  • This was not a perfect church, but it was a radical one. I cannot imagine a more compelling vision for Scio—a group of normal but radical people, passionately committed to loving Jesus, one another, and their neighbors.

  • It doesn’t just happen, though. We can’t wish it into reality. It requires total surrender, but it’s worth it.

  • We are not alone. He is not only with us, He has given us one another to encourage each other. This world is not our home. We are just visiting this planet...together.

  • Radical abandonment is about giving up anything that gets between us and God’s leadership. Do you trust Him…with everything? 

  • Jesus abandoned everything in heaven for you and for me. He invites us to radically abandon everything on earth for Him.

You can listen to the podcast here.