C'mon...Why is Debt So Bad?

This whole thing we call life is all about God; the man Jesus. Beginning his series, "Cha-Ching", Johnson Bowie picks up on this thought in Isaiah 26:8, "Yea, in the way of (Your) judgments, O Lord, have we waited for You; the desire of our soul is to Your name, and to the remembrance of You."

It's not about us! The stars scream out His name. If we don't glorify Him, the rocks will cry out. The Bible says that the earth, the animals, the sea and the mountains are all about God. Every breath, step and direction of our being has to be about Him. If we can just start falling in line with this and begin thinking about Him, we can transform our lives to reflect His glory.

In I Chronicles 28, the writer talks about God's great power; His shining greatness and strength and how everything in heaven and earth belongs to Him. He rules over all. Power and strength are in His Hands. It is our desire that everything we do would scream out the fame of our God.

So, how can we take this amazing truth and desire and then trim the whole idea down to one thing called money? How can we spend or give our money to glorify God? We are all in this game together as Christians joining together in an effort to do something greater than ourselves. What better time is there to talk about money than when times are getting tough? Gas prices have soared, home prices are plummeting and jobs are being lost.

Jesus talked about money more than anything else. Money defines our lives. We go in to work, log our time and then we get paid for the amount of time we've worked. We trade our life and our time for our money, right? So, when we spend our money, we are spending our life!! So, if we are making poor spending decisions, we are poorly spending our life! "If you buy a cup of Starbucks and you make minimum wage, that's 30 minutes of your life you just bought!" So, if money reflects our lives and our lives are to glorify God, how does that translate to how we spend our money?

II Corinthians 5 says, "And He died for all, that those who live should no longer live for themselves but for Him who died for them and was raised again." How can we live for Christ in every decision we make?

I Timothy 6:6-10 says, "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. People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men 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."

Contentment with a burger and a t-shirt is tough to accept, but money is NOT the root of all evil. The LOVE of money is the root of all evil. It's what our heart's intention is when we go after money that counts. Money is intoxicating. It is an opiate that addicts as easily and as completely as alcohol or narcotics. It's power to change us is close to that of Jesus Christ. Men trade their lives for it. Women trade their bodies for it. Families will trade their families for it. People will trade their church for it. Nations are ruled by it and destroyed by it. Most crimes are motivated by it. Most people are brought under it's control. A person who can maste the rule of money is the person who is completely mastered by the rule of God.

Money is a great slave, but a terrible master. Money is a great thing to have under you; a horrible thing to have over you. The best way to not have money be a god in your life is to not have it. Just give it away. The other side of this truth is that we can't give money away if we don't have it. We can't bless people with IOU's!! The reason so many of us don't have money is because we are giving it to the man; the credit card man. We do this because of all the bad decisions we've made in the past.

"I was at a leadership conference last year and Dave Ramsey was there...He's the Christian financial guru...with a daily radio show...'Total Money Makeover' is in the book store...He stands up and says...'STOP PREACHING ON TITHING'...it's like he had stood the golden cow up...but then he said...Stop talking about tithing unless you are willing to talk more about getting out of debt."

How many of us would love to be able to give or contribute to people's lives, but we can't!! Wouldn't you love to pay someone's way on a mission trip or just pay for someone's gas or to pay a single mother's electricity bill for a month? But we are chained by our debt! If we could tame money in our lives, we could live for the glory of God. Maybe if we could get out of debt, we could go when God actually says, "GO".

Malachi 3 says we rob God if we aren't tithing. In not so many words, God actually says we are cursed financially if we don't tythe. Most people WANT to tithe, but simply can't. But let's move beyond tithing and focusing on debt so that we could actually tithe 20%, not 10%, if we wanted to do so.

Why do we think that if we just had more money, we could tithe? There's a reason why people who win the lottery end up broke again. Money cannot change our spending habits. Many mulitmillionairres are more stressed about money that we are. Most of us just need to get out of debt. What would our lives look like if we could? This is our goal. We could worship God so much easier if we didn't have to honor our debts.

The national debt for the U.S. is now (at the time of this message) $9,357,639,867,792!!! The national debt grows by $4.7 billion a day. If you add these numbers up, our share is $31,000 apiece. So, a family of 5 would have to pay $150,000 to pay their share of the debt! But if you gave the government more money, they would just spend more money.

We pay taxes to the government and the pays $406 billion every year in interest. The total debt of our nation, including every person and every business is $53 trillion dollars. That's $175,000 per person. The average person will make $1.4 million dollars in their lifetime. But we spend 1/2 to 2/3's of every dollar we make in our life time paying for debt. The average American family has $9,300 in debt.  The average college graduate already has $19,000 in debt. Most of them will still be paying on this debt when their kids go to college.

Every year, more people declare bankruptcy than graduate from college.

We are so messed up! Did you know they even put VISA cards on the new barbie dolls? Johnson went to UGA (University of Georgia) and the first thing most people would go to would be to the free UGA t-shirt table once you register for a VISA card. We don't think we'll use it at first or that we'll only use it for emergencies, but then, before we realize it, we've run up our debt. Johnson did some math to illustrate the really good experience of a $1,000 cruise to Cancun. Minimum payment is on $15 a month! But it takes you 15 years to pay the card off with minimum payments. That's an expensive t-shirt (to get the card in the first place)! Then, when you start dating, it really gets bad. The debt monkey starts to turn into King Kong. "I'm sick of seeing the richest generation of all time being debt ridden...Can we possibly break free from this to make the name and fame of Jesus Christ spread?"

Proverbs 22:7 says, "The rich rule over the poor and the borrower is servant to the lender." If we are truly servants to Jesus Christ, how can we stay in debt?  What typically happens is, we get married as DINKs (double income, no kids), we buy our cars, we buy the house, we buy the furniture and then....she gets pregnant. "How are we going to do this?" The knife in back of this generation the fact that other people raise our children because wive's have to work to pay off debt. How can we possibly be a nation that glorifies God?  We've traded off raising the next generation because we made stupid decisions in our youth.  This robs God of His glory.  Don't trade your kids and your future for the present.

Johnson read an article online called "Moms' New Battle: The Food Price Bulge."  In there is a quote from a mother who says, "We are a typical middle income family.  If we did not carry foolish debt, we would be okay.  But with our debt burden combined with paying for two children in daycare, there's nothing left over at the end of the month."  This sums up the life of so many people!  Another 20 something girl says, "It is a life which is insult to injury.  I want to get married and I want to have a family.  But what if I want to have a child and take time off while he's an infant.  Will I be able to do that with all this debt that I have to make payments on?"  Do we really want to be the guy driving a fancy car with thousands of dollars we owe on it and have to work instead of raising our kids?   Eventually, we even have to pay someone to take care of them!  Where do we draw the line?  If this whole world is about glorifying God, where do we stop?!?

Deuteronomy 28 talks about the curses listed out in the Bible if you don't do what God tells us to do.  It talks about the curse of the "foreigner" who lends to us.  The foreigner becomes the dog and we become the tail.  "If you're wise, fine.  But if you're not you will be the place where poop comes out."   How many of us feel like our life is in the tail?  Some of us are living this "tail life" because we haven't chosen to stay out of debt and to emphatically glorify the name of God.  Why is the whole debt thing bad?  It keeps you chained up to money.  Most of us have desire to give.  We want to bless people but we can't.  Be free from debt so you can live for God.  What if God called you tonight and wanted you to go to Germany for missions?  Could you go?  What about next month?  Next year?  Next ten years?  Could you? 


We have to get out of debt to go, to live and to give.  The government, right now, is outgiving the church.  This is wrong.  We are called to be the light in the darkness, not the government!  We want to be a people who can show the world that God loves them. 

Johnson is 28.  If by some miracle, he makes it to be 80 or 90, that means he has 60 or so years left.  What happens after that?  He's dead!!  "But what if I want a big TV?"  What if we started spending our lives today on things that glorify God?  How can we start making money a "God thing"?  Get out of debt to give to a kid, to take someone out to lunch to tell them about Christ, to give to the struggling mom or to bless someone.  It is not about you.  It's about God. Let's be these people.  How do we do this?  Next week, Johnson talks about this.

I've Got Things to Do; Why Would I Need Margin in My Life?

"Let's open up your Bibles to Luke 10...How many of you would say that you occasionally or always feel stressed?  How many people feel financial tension?  How many of you would say I wish I had more time to spend with my self of my family?"  Craig Groeschel of lifechurch.tv opens his series "Margin" with a message on the need for margin.  We live in a culture that pushes us to the limits.  Buy more.  Do more.  Accomplish more.   Conquer more.  Most of us are living at an unbiblical and unsustainable pace. Its insane what "normal" is today.  Even our kids will go out four or five nights a week doing their activities and we call that normal!  Our schedules are stressing us and our kids out!  Virtually everyone has little margin for error in the main areas of life.  Andy Stanley taught a series a called "Take It to the Limit" where he defined margin. 

Margin is the amount available beyond what is necessary. Andy Stanley

Margin is the difference between what you have and what you need. Craig Groeschel

How does margin lay out in life?  There's money left over at the end of the month.  It's leaving a few minutes early to be early for a meeting.  Margin is leaving more distance between you and temptation.  Margin is having the emotional capacity to deal with struggle.  Margin could be having 3 or 4 nights a week with nothing on your schedule.  Margin could be having extra time or money to invest or give to ministries.  Margin could be having time to reflect, think and meditate.  Margin could mean having significant time with God meditating on His Word  Simply put, margin is what most of us do not have.  "I am convinced that the best things in life happen in margin," says Craig.

Luke 10:38-42 is a great story about two different woman who dealt differently on the subject of margin.  As Jesus and his disciples were on their way, He came to a village where a woman named Martha opened her home to him. She had a sister called Mary, who sat at the Lord's feet listening to what He said. But Martha was distracted by all the preparations that had to be made.

It's interesting.  We have two women with the exact same opportunity.  Despite what she may have had to do, Mary took an opportunity to sit at Jesus' (the son of God's) feet.  But Martha created things to do.  She chose to be busy and to find things to do that were a distraction from Jesus. She may have been distracted by good things to do, but she was distracted from the best things. 

If Satan cannot make us really, really bad, he'll make us really, really busy.  Unknown

Recently, Craig went on a "staycation" or a vacation where he stayed home.  On the first day, Craig thought of things he needed to do at the church.  So, he went into his home office and began working.  "Bukie", his youngest son, came into his office and asked Craig if he would wrestle.  Craig dismissed Bukie, but then God whispered, "Bukie is not the distraction Craig, your work is." 

In verse 40, Martha asks Jesus is he doesn't care that her sister has left her with all the work.  The irony here is that Martha was absolutely convinced that she was doing the right thing!  Don't many of us believe the same?  We believe we have to live this way.  Business is success and more is right.  Everyone is doing it, right?  But broad is the road and wide is the path to distruction.  Small is the gate and narrow is the road to life and very few people find it. 

"Do not be conformed to the patterns of this world", says Paul.  "Be transformed by the renewing of your mind."  Then you'll be able to test and prove what the will of God is.  If minor changes could have made a difference we would have done that a long time ago.  What we are talking about in this message are large, life changing habits.  Production mindsets miss the moments.  "Martha, Martha," the Lord answered, "you are worried and upset about many things, but only one thing is needed. Mary has chosen what is better, and it will not be taken away from her."  Choose what is right and it will never be taken away from you. 

What happens when we have no margin? 

1)  As margin decreases, your stress increases.  When you're running late, stress increases.  It makes you say bad things on the way in church.  You can't enjoy the worship sometimes and you might have ill will to those you think are to blame.  Financial margin is a big one.  When something breaks, you have no room to fix it. 

2) Your relational intimacy decreases.  Your mind runs, but you are disconnected.  Recently, Craig's family went out to eat and they saw four people together but ALL FOUR people were on their phones twitter and emailing.  "Quit playing with your little twitter!"  Relational intimacy decreases not only with others but with God.  "I used to be close, but I just got BUSY (Too busy for people and too busy for God)." 

Why is it that so many of us live marginless lives? Why do people not downsize?  Most of us do not wholly trust God.  We don't have enough faith to believe that God is really on the throne.  We think that we are working to get something.  Most of us make more money than we ever have, but we are more stressed and more unhappy.  Why?  Because of idolatry! We are eleveating good things to be supreme things.  We gotta have the bigger house, a nicer car, a promotion...  We gotta be at the meeing so they will think more of us. We gotta have our kids involved in the best programs because, God forbid, we spend spiritual time with them when they "could be better flute players."

In the next few weeks, Craig says that he and those listening are going to have a "come to Jesus meeting".  He is going to challenge his listeners and push them.  Sadly, most people will not change, but some of you will begin to live, not according to the patterns of this world, but according to the rhythms of God's grace.  You will not give too much time to things that do not last.  Matthew 11:28-29 says, "Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls."   Let that sink in...rest for your souls...peace...assurance...tranquility.  Rest for your souls... Sometimes people go on vacation and then they have to recover from all the things they did on their vacation!  Some peole think, if nothing is on their schedule, they are insignificant.  This is insane!  Men think they have to make more, conquer more and achieve more.  It's idolatry.  Psalm 46:10 says this; "Be still and know that I am God."

One of Craig's counselors once said, "Take 5 minutes a day and do nothing."  So, this week, your assignment is to do nothing every day for 5 minutes.  Don't do anything. Don't think about anything.  Don't pray.  Just be.  It is the first significant step in creating margin.  The coming series outline for "Margin" is:

Week 1.  Why

Week 2. Scheduling margin. 

Week 3.  Financial margin

Week 4. Moral Margin

 

We are gong to stop finding meaning in the things of this world and start finding meaning in the things of God. 

Isaiah 58:11 says; "The Lord will guide you always; He will satisfy your needs in a sun-scorched land and will strengthen your frame."

 You will be like a well-watered garden, like a spring whose waters never fail. Isaiah 58:11

How Are We as Christians to Combat Fear?

In order for us to really press forward in our life for God's Purposes, we've got to get free of our fear. Johnson Bowie, at http://www.fusionatl.org/p/12081/Default.aspx, continues his "Know Fear" series, titled "I Ain't Afraid of No Ghosts" by saying that we have to know the stuff that spiritually comes against us. In order for God to set us free, we have to ask God to expose us. Until we know who God is, we will continue to put the approval of man in front of Him. If we know what God says about us (He smiles when He thinks of us and He rejoices over us when we sleep), then we can step boldly into life. (picture labeled for reuse on flickr)

Last year, Johnson went skydiving at a Fusion event. The crazy thing about that is, Johnson was wildly afraid of heights. But he was determined to conquer his fear. In a funny tale about the episode, Johnson talks about the details leading up to the jump, his experience as he jumped and then the slow descent with the parachute. He was connected to a guide, which which made him feel safe, "but then he did one of the top ten stupidest things in my life." The guide reaches back and starts undoing buckles which absolutely freaks Johnson out. Even though Johnson was terrified as the parachute straps loosened, things obviously turned out okay. Johnson says he was not so much afraid of the height, it was fear of what was on the other side of the height, i.e. the fall and the hit after the height. Likewise, it's not so much a fear of the dark, but it's about what's in the dark.

What Johnson is talking about today is a fear of the supernatural. Are angels or demons normal? Is speaking in tongues natural? We're talking about the reality is that there is another dimension. God is with us despite the fact that we can't see Him. The supernatural events happen when the spiritual realm steps into the physical. Demons, weegie boards, bodily possessions, Satan and angels are all real. This isn't just a fluffy world. There are nearly 300 references in the Bible about angels. In Ephesians 6:12, it addresses this hidden world; "For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms." (picture labeled for reuse at http://www.gallery.mobile9.com/)

Johnson personally experienced this when he was involved in a healing service and six guys couldn't lift a 100-pound unconcious woman who seemed possessed!  When we encounter stuff like this, it scares us because we don't understand it, but the Bible gives us guidance. In Isaiah 14:12, it describes the story of Satan. Lucifer was an angel who wanted all the power of heaven. He attacked the armies of God, but was cast down. Lucifer is but a fallen angel. He is not the mini-me of God. In Revelation 12:9, it again talks about the great dragon cast from heaven. The word demon is a scary word; much scarier than "fallen angel". But if you hear the words fallen angel, it gives you the perspective that Satan has been defeated and we have God on our side. One of the keys to conquering our fears is to demystify the supernatural. Demons and devils were created and, at their core, they want to be worshipped. If we give them fear, we are effectively worshipping them.

 
Have you ever been in a service and someone stands up and screams?  It's because they are trying to pull the attention off Jesus. When we give Satan a foothold in our lives, they hold on to it and torment us with it. "Something inside of me says, 'no'...I will not worship Satan. I will worship Christ." Most of the time, as Christians, fearful things get worse in our lives because of our new power as believers. There's power in the name of Jesus and, when we start talking about Him, the entire world seems to come down on us! There are strongholds everywhere. "When I decided to do this series on Fear, I came down with the flu and Jeremiah, my son, started having nightmares..." Johnson says, "Oh, it's on now, man. You're going in the room of my kid?" When leaders step into their positions at Fusion, there are so many blessings, but at the same time, they get a ton of resistance.
 

New level, new devil.
Johnson Bowie

 
But we are armed and dangerous!  Colossians 2 talks about how we were dead to the sin of the enemy and Jesus went down to satan's domain, took the keys and gave him the Tyson one-two punch. We need to know that God created hell for the demons, not for people. They are going to burn in an everlasting fire, but some of the world actually chooses to go the route of the devil!  Demons are encouraged by this and they are trying to deceive us to burn with them. We need to encounter demons with the knowledge that they are already a defeated foe. Revelation 20:10 retells the fate of Satan.
 
Who then, can be against us? God is omnipresent. He's everywhere. "He's inside your earball." Satan is NOT omnipresent. "He's in Antartica somewhere." God is all-powerful. Satan is finite as a creation. God is everlasting, while we know the fate of Satan. Big God. Little devil (go to your high voice when you say "little devil"). God even assigns His angels to us. When we think about angels, though, we have a huge misperception. "So cute little naked baby angel...thank you for coming off your cloud...play me a song on your harp...But that's not what angels are!...Angels are stinkin' kickbutt warriors." We have these amazing warrior angels assigned to each of us!
 
Genesis 3:24 is the first description of the cherubim (angel). Seraphim have six wings and are covered with eyeballs! "What!! They don't have pictures of those on the front of Guidepost!" The archangel Michael, single-handedly defeated thousands of demons. In Revelation 2, there will be 4 angels on each corner of the earth to hold back the winds. Why is it that whenever people in the Bible encounter angels, the first thing they say is, "Fear not."?  These are unbelievable creatures!


 
Greater is He that is in you than he that is in the world.  What we have to grasp is that we, as his followers, have the power of God already in us. In Exodus, Moses comes to the edge of the Red Sea as they are running from the Egyptians. Moses calls on God, but God tells Moses that he already has the power and to use his staff! We can't call the angels down ourselves, but we have authority here. Multiple times, Johnson describes times when he was just minding his own business and this super lustful dream comes or this gory, bloody dream comes or he is scared by an experience. In the dream, he is stuttering trying to say, "Jesus". When he finally says it, everything leaves. There is no power in anything we say alone, but there is power in the name of Jesus. Phillipians 2 says that the name of Jesus is above the name of any other to the glory of God the Father.
 
It is Easter coming up (when Johnson delivered this message) on Sunday, "but I think so many of us are stuck on Friday." Something changed Johnson and the way he thinks about his life. "If you really want to find out about what God says about your power and authority, go through Ephesians a couple of times." God exalted Jesus to the highest place. In Ephesians it says that we are seated with Jesus in Heavenly places!! We are armed and dangerous and we don't even know it! Think about that! We are seated with Christ in the Heavenly realms. Luke 10:19 & John 14:12 tell us about our authority. Isn't it crazy that Jesus actually expected us to do what He did; even greater works!! It's because we are seated with Him. James 4:7 tells us to resist that devil and he will flee from us. Oft times, we only remember the "flee from you" part. But we must resist the devil.
 
One morning, Johnson was coming into a very dark church at night. "The only light I had was the demonic exit signs; you know what I mean?" Here he was, preaching about fear, and he was afraid. Then a little voice in him says, "I called you to flee from temptation, not to flee from the enemy. Johnson had a change of heart; "Armed and dangerous, baby...seated with Christ" Years ago, Johnson had this dream where he is on a mountain top. The wind is blowing and lightning is around him. On the other side of the mountain, there is this huge warlock who is about to fight him. Toe to toe, Johnson remembers how he had just been reading Elijah, so he screams "Fire of God!!" and this tornado comes down and scoops up the warlock.
 
"Stop asking God to rescue you when He gave you the authority." Submit to God. Resist the devil and he will flee from you. "I'll give you a double cheese burger promise." Step into who God called you to be!