In step

Top 7 Bible Verses About Old Age or the Elderly​

Want to know how to age gracefully? Do it with the Lord by your side. Every day we live is an opportunity to know Him more. The most exciting part is that God never ages. He remains the same beautiful, layered, complex, simple, exciting, peaceful, wild presence that he has always been. Worried about growing older? Shift your focus to learning more of Jesus every day, and watch all of the ways you’ll begin to feel young again. Read on for some truth on the aging process and God’s love for us at every stage of our lives.
Proverbs 16:31 Gray hair is a crown of splendor; it is attained in the way of righteousness.
If you have spent your years walking with God, and learning from Him, then you have earned every gray hair on your head. They should be celebrated and worn like a crown, as a testament that you are the living, breathing child of a King.


Isaiah 46:4 Even to your old age and gray hairs I am he, I am he who will sustain you. I have made you and I will carry you; I will sustain you and I will rescue you.

In the younger years, when lots of life’s biggest decisions are being made, it is easy to seek God’s guidance and assistance. But it is important to remember that He cares about every day of your life. He will carry you when you are too young to know you need it, and when you are too old to walk on your own. His sustaining love is forever.

Job 12:12 Is not wisdom found among the aged? Does not long life bring understanding?

Some life lessons come in an instant, and others must be learned from years of experience and growth. The older we grow, the more we learn about kindness, patience, heartbreak, love , and mercy. All of these experiences lead us to a deeper understanding of life’s seasons, and a greater wisdom of God’s presence through them all.

Deuteronomy 32:7  Remember the days of old; consider the generations long past. Ask your father and he will tell you, your elders, and they will explain to you


All generations have been entrusted with different lessons based upon the time they lived. There is much to be learned from those that have gone before us. God places people in our lives who can teach us these lessons- parents, grandparents, church elders-and they can explain so much about God. We just have to take the time and consideration to ask for help.

1 Timothy 5:17 The elders who direct the affairs of the church well are worthy of double honor, especially those whose work is preaching and teaching.

Those who have devoted many years to serving the church, and proclaiming Christ’s message, are worthy of respect and honor. They have spent time pouring themselves out, preaching and teaching others what they, through time and experience, have learned. We honor their commitment to their church community, as well as their commitment to serving God.

Psalm 71:18 Even when I am old and gray, do not forsake me, my God, till I declare your power to the next generation, your mighty acts to all who are to come.


I believe this may be the prayer of many. Asking God to stay beside them, to remember them, throughout their lives. We live long enough to see God’s mightiness in many ways, and ache at the thought of someone not getting that chance. We hope that we can help others to know Him, as we have known Him. Once you know love like that, you just want to spread it out.

2 Timothy 4:7-8 I have fought the good fight, I have finished the race, I have kept the faith.  Now there is in store for me the crown of righteousness, which the Lord, the righteous Judge, will award to me on that day—and not only to me, but also to all who have longed for his appearing.

No one ever said that following Jesus would be easy. Daily, believers lose, struggle with, and abandon their faith. The ones who thought they were signing up for a breezy sprint are shocked when they discover that this race is long distance. Upon making this discovery, there are two options: Give up when you get past the easy part, or dig deep and continue on. The finish line may seem so very far away, but for those who have stayed in the race? They will be rewarded with a crown, and allowed to rest forevermore.


Conclusion

There is a common belief that we gradually become less useful as we grow older. That this world is made for the young. Perhaps that is so. But we are not of this world. When we live our lives for God, our journey here does not end until we take our final breath. Noah, Moses, Abraham-some of our greatest biblical examples-all went on some of their greatest adventures at a time when most would be settling into retirement. Should you be finding yourself feeling a little bit forgotten, overlooked, unappreciated…take care to remember that God will use you at any age, and any stage. There is no age limit to the way He works, and His is a love that never grows old.
 

Walking the Four Stages of Faith with Good Leaders​



In my last blog post, I looked at the four stages of faith and conversion that we commonly go through as followers of Jesus: calling, challenge, catalytic moments, and convergence. In this post, we examine what qualities Good Leaders will possess as mentors in those stages. I admit in that reflection that I oversimplified the stages to avoid formulas and to make it memorable in the contexts I serve (Water Street Mission and River Corner Church). I am also okay with that, because it is a framework for reference, not a metric. You can check out that blog post for more about these stages.



In that reflection, I also emphasized that we can’t go it alone. Faith is not meant to be a solo project. It is never truly just “you and Jesus.” An overwhelming majority of Jesus’ teachings were given in community. Even the prayer we teach us to pray roots us in a communal context. Similarly, most of Paul’s pastoral letters were written to church communities, and all of them involved leading or facilitating a church community. You cannot follow Jesus effectively without living into the communal nature in which it was entrusted.

Since community is so essential to what it means to follow Jesus, we need mentors and church communities that walk with us, keeping us accountable, rooted in discipleship, encouraged, and empowered along the way. I talked about my experience with that in a recent blog post on ICNU conversations.

Good Mentors for Each Stage​

Following up on the conversation on stages of faith, this blog post focuses on what sort of leaders and mentors I have come to see that we need in each of these stages—and what kind of learning journey each stage invites us into with others. At Water Street Mission, I work with our guests to find mentors. Throughout my seasons of life, I have had many mentors. All of this has taught me that in different seasons, there are other mentors we need to encourage us on our journey. Similarly, over nineteen years of pastoring have taught me that there are times when church communities need a specific gifting from their pastoral leaders, and there are times when we as followers of Jesus might even need specific communities to empower us to live our faith more holistically.


This blog post explores the kinds of mentors who can walk with us through each stage of faith. My own experience, along with the insights of Mike Breen in Building a Discipling Culture, Dave Ferguson, and countless others, has shaped how I think about the role mentors play in our spiritual journey.

The First Stage: Calling​

When the journey begins with calling, we need leaders who invite and model. In this season, we feel like life is on top of the world, and emotions are high. In these seasons, good mentors live out their faith in front of us and welcome us to walk alongside them. Their leadership says, “Come and see.” They show us the basics of following Jesus, help us hear his voice, and guide us into foundational practices like prayer, scripture, and community.

The learning journey here is about awareness and imitation. We are becoming aware of God’s presence and beginning to accept what it means to follow. Having leaders who patiently model faith and extend invitation makes all the difference.

The Second Stage: Challenge​

So often, the stage of challenge catches us off guard. The excitement of calling usually gives way to disillusionment, doubt, or suffering. In other words, life gets hard. This is when faith feels messy, confusing, or even shaky.


At this stage, we need leaders who guide with honesty and stability. They don’t gloss over the questions, but they create safe spaces to wrestle with God and with life. These leaders remind us that doubt is not the opposite of faith but part of the process of growing deeper. They model perseverance when things don’t make sense and show us how to cling to God in the storm.

The learning journey here is about acceptance and resilience. We learn to accept that following Jesus will mean surrendering our expectations. We grow in resilience as we endure adversity, guided by leaders who can sit with us in the tension without rushing us through it.

The Third Stage: Catalytic Moments​

After a challenge often comes a season of breakthrough. We learn how we have been transformed in the face of challenge, and we have let go of some parts of our journey and ourselves in the process. God provides catalytic moments that propel us forward. These catalytic moments are opportunities, relationships, or experiences that stretch our faith and move us into new territory.

Here, we need leaders who equip and empower us in a new season. These mentors recognize our gifts and invite us to use them more clearly. They hand us responsibility, encourage us to experiment, and give us room to fail and learn. They help us discover that faith is not just about personal belief but about living it out in action.


The learning journey in this stage is about adversity and skill-building. Catalytic moments are often stretching, and they bring new kinds of adversity. But through these experiences, we develop spiritual resilience, new skills, and more profound convictions. Good leaders move us from consumers (calling) to participants by empowering us to own our faith and step into the callings God places in front of us.

The Fourth Stage: Convergence​

Finally, the journey leads toward convergence—when calling, challenge, and catalysts come together in a more profound sense of purpose. At this stage, we finally realize how God is using all of our experiences up to this point. This stage is marked by maturity, confidence, and clarity. These leaders also keep you focused on leading others.

At convergence, we need leaders who celebrate and partner. These leaders don’t position themselves above us but alongside us, affirming the fruit of our journey. They encourage humility and downward mobility, reminding us that convergence is not about arriving for ourselves but pouring out for the sake of others. They echo Jesus’ words to his disciples: “I no longer call you servants… Instead, I have called you friends” (John 15:15). These leads keep us accountable and growing, and they become collaboration partners.


The learning journey here is about adaptation and overflow. We adapt by learning how to live out our calling in ways that serve others faithfully. Our faith overflows into mission, service, and presence. With the right leaders beside us, we are released into ministry not just as workers, but as friends of God.

Good Mentors for the Four Stages of Faith
Good Mentors for the Four Stages of Faith

Mentoring and the Scriptures​

Where do we find good mentors in the Bible, and how does all of this fit with Scripture? First, Jesus commanded his followers to go and disciple others just as he had done with them (Matthew 28:19–20). In many ways, this means we are all moving toward the stage of convergence so that we can mentor others toward it as well. Jesus reminded his disciples often that this was his model: “I have set you an example that you should do as I have done for you” (John 13:15).


Paul himself needed mentors. His calling was clear, and his knowledge of Scripture was deep, but he still needed others to help him walk out what it meant to follow Jesus as a Christian. He humbled himself to receive guidance from Ananias—someone from the very community he had been persecuting. Paul then spent time with the apostles and the early church, learning from them and being discipled.

Later, Paul modeled this same pattern with others. He encouraged Timothy to take what he had received and pass it on: “The things you have heard me say in the presence of many witnesses entrust to reliable people who will also be qualified to teach others” (2 Timothy 2:2). He instructed Titus to build a culture of mentoring within the churches of Crete (Titus 2:3–5). Barnabas also exemplified this by coming alongside Paul and later John Mark. The writer of Hebrews reminds believers to be thankful for those who have guided them in faith (Hebrews 13:7). And to the church in Ephesus, Paul describes good leaders as those who “equip his people for works of service, so that the body of Christ may be built up” (Ephesians 4:11–12).

The Importance of Community​

One final reminder: no single leader can provide everything we need at every stage. You will need different mentors for each season of life and faith. Our ability to teach is limited by where we have been led. That’s why community is also indispensable. Together, the body of Christ carries the variety of wisdom and gifts needed to disciple one another in holistic ways; it is a family of partnerships. Whether in finances, prayer, relationships, family, or spiritual practices, you can find rooted supporters in community.


When we walk through the four stages of faith (calling, challenge, catalytic moments, and convergence), we need mentors and leaders who can invite, guide, equip, celebrate, and collaborate. And we need communities that bring their diverse strengths so that discipleship is not just instruction but shared life.

Closing Thought​

The journey of faith will always move through awareness, acceptance, adversity, and adaptation. At each turn, the kind of leadership we have around us will either help us take the next step—or hold us back. May we seek out leaders and communities who call us forward, steady us in challenge, empower us in growth, and celebrate with us as our lives converge in Christ.

  • Which stage of faith (calling, challenge, catalytic moments, or convergence) do you find yourself in right now, and what kind of mentor would be most helpful in this season?
  • Who has been a steady guide, encourager, or example for you in the past, and how did their presence shape your journey of faith?
  • How might God be inviting you to become a mentor or encourager for someone else walking through one of these stages?
 

The Power of God’s Truth in Everyday Life









I have been teaching a summer Bible study class to a group of precious seniors at a local assisted living facility. We have been discussing the attributes of God. We have, of course, talked about God as omnipotent, omniscient, and omnipresent. We also discussed His holiness and inclination for personal relationships. Our last lesson affirmed that God is absolute truth.

I have often heard it said that the only thing God can not do is lie. I guess that’s so, since according to Genesis 1, whatever He speaks, becomes. His word makes something out of nothing … it brings forth.


Truth is not what God does; rather, it is (like love) who God is.


Those who confess God as Lord should always believe what He says and live accordingly. I have heard people say arrogant things like, “Well, I know the Bible says that, but I just don’t believe it”–dangerous words, those! One thing about truth: it doesn’t matter if you believe it or not. It’s still truth. Truth does not depend on you. It depends solely on God.

[Jesus said,] “I was born and came into the world to testify to the truth. All who love the truth recognize that what I say is true.” (John 18:37) Our God is absolute truth. Our God is present everywhere and knows all things, He has complete understanding of what is real, what is right and what is true. Whatever He says is completely accurate. And according to His word, “[He] is not a man, so he does not lie. He is not a human, so He does not change his mind. Has He ever spoken and failed to act? Has He ever promised and not carried it through?” (Numbers 23:19). Whatever God promises will always be fulfilled.

God wants us to know the truth. He never intended that a relationship with Him should be a mystery or difficult to figure out. To explain that, He sent His Son, Jesus Christ, (the Way, the Truth, and the Life) into the world to live with people, teach people, and have relationship with people. Though many people may claim to know the truth, only Jesus claimed to be the truth. Even on the night He was betrayed, Jesus prayed for His disciples, asking God to “sanctify them by the truth; Your word is truth” (John 17:17).

God also guides us into truth through the working of His Holy Spirit. Jesus promised His disciples, “I will ask the Father, and He will give you another advocate to help you and be with you forever — the Spirit of truth” (John 14:16-17). He also declared, “You are truly My disciples if you remain faithful to My teachings. And you will know the truth, and the truth will set you free” (John 8:3132).

Though truth may at times seem difficult, intimidating, or frightening, the scriptures assure us that it is the very best way to live our lives. The Psalmist prays “Teach me your ways, O LORD, that I may live according to Your truth!” (Psalm 86:11).

An old friend of mine recently shared a lovely piece from Wednesday’s Word on facebook. It touched me and my sweet Bible study group. Here it is:



God’s Truth



God’s Truth
isn’t meant to be​
restricted​
to academic theologians​
experienced pastors​
and seminary presidents.​
It was given to us​
by God​
for sweet little girls​
mischievous little boys​
teenagers finding their way​
busy housewives​
plumbers​
salesman​
clerks and​
baristas​
lonely grandmas​
successful executives​
homeless wanderers​
university students​
the fearful​
the discouraged​
the anxious,​
every person​
searching for what only God​
can give.​
God’s Truth​
is meant for​
the hallways​
bedrooms​
family rooms​
board rooms​
university rooms​
apartment rooms​
supermarkets​
backyards​
garages​
and vans​
of everyday life.​
God’s Truth​
is meant to be​
personal​
relational​
applicational​
connected to​
everyone​
everywhere​
in everyday life.​
Theology in the hands​
of God​
is meant to​
rescue​
convict​
reconcile​
transform​
empower​
deliver​
and​
shape you into the​
image of the​
Son.​
There is no doctrine​
that is meant only for the​
spiritual elite​
the biblical intellectual​
the professional Christian.​
Every truth,​
no matter how​
full​
deep​
expansive and​
mind-bending,​
is meant to be a​
tool of grace​
in the life of everyone​
who has been​
infected​
by the pandemic of​
sin.​
God has no favorites​
doesn’t talk in​
secrets.​
He speaks in​
human language​
gifts us with the​
Spirit​
to illumine​
his truth​
so willing hearts can​
see​
hear​
meditate and​
understand.​
When the Savior speaks​
life happens,​
life we could never​
earn or​
deserve​
but is only ever​
a gift of grace.​
His truth is his​
medicine​
comfort​
light​
guardrails​
oasis​
sword.​
His instruction is like​
diamonds​
warnings like​
gold​
comforts like​
rubies​
promises like​
jewels.​
The spiritually poor​
who listen​
become rich,​
the spiritually lost​
who follow​
find their way.​
The doctrines of his​
Word​
are one of his richest​
gifts of grace,​
freely given to anyone​
who will come near​
and listen,​
meditate and​
believe.​
God’s Truth​
is always accompanied by​
God’s Grace,​
and for all of us,​
that means there is​
hope.​

God isn’t just after your mind; he’s after your heart. The doctrines of the word of God are not intended just to lay claim to your brain but to radically alter the way you live. The primary purpose of theology is not information but transformation.

God’s Truth is meant to turn you inside out and your world upside down. Doctrine is much more than an outline you give confessional assent to. Biblical theology is something you live in, even the smallest and most mundane moments of your life.

God’s plan is that when the rain of God’s Truth falls on us, it will change us—not that we will become better renditions of ourselves, but that we will become spiritually different than we were before.

God’s Truth is meant to transform your identity, alter your relationships, and reshape your finances. It’s intended to change the way you think and talk, how you approach your job, how you conduct yourself in time of leisure, how you act in your marriage, and the things you do as a parent. It’s meant to change the way you think about your past, interpret the present, and view the future.

As the rain of God’s Truth pours down, angry people become peacemakers, greedy people become givers, demanding people become servants, lustful people become pure, faithless people become believers, proud people become humble, rebels become obedient people, and idolaters become worshipers of God.

The truths found within the Word of God are a beautiful gift to us from a God of amazing grace. They are not burdensome, life-constricting beliefs. No, they impart new life and new freedom. They quiet your soul and give courage to your heart. They make you wiser than you had the natural potential to be, and they replace your complaining heart with one that worships with joy.

God unfolds the mysteries of his truth to you because he loves you. He is the giver of life, and every page in his word plants seeds of life in your heart. As those seeds take root and grow, you, too, will grow and change.

( https://www.paultripp.com/wednesdays-word)

“For as the rain and the snow come down from heaven and do not return there but water the earth, making it bring forth and sprout, giving seed to the sower and bread to the eater, so shall my word be that goes out from my mouth; it shall not return to me empty, but it shall accomplish that which I purpose, and shall succeed in the thing for which I sent it” (Isaiah 55:10-11)

God bless you and guide you always in His truth.
 
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Irresponsible Worry
[td]
And which of you by being anxious
can add a single hour to his span of life?—Matthew 6:27
[td]
Something’s coming. Doesn’t it always feel like that? Maybe it’s something financial . . . maybe work-related . . . maybe health-related . . . definitely bad. And so, we worry. I mean, it almost feels like that’s just a part of being a man, worrying about what’s coming. We worry about all the bad things that could happen, to us and to our loved ones. We scheme about how to get out in front of all those things. Then we worry some more about whether we’re actually men enough to execute our schemes. All this worrying hangs over our lives. It haunts our thoughts and steals important moments—moments that should be joy-filled.

But, it would be irresponsible not to worry, wouldn’t it? We’ve been trained to worry, all our lives. We’ve been trained that men with responsibilities are supposed to worry. It’s part of manhood.

Or is it? Our King, Jesus Christ, teaches us that it’s actually not. You see, he didn’t come so that we’d live lives haunted by fear. He came and died to set us free from such things (Galatians 5:1). He assures us, our Father God will take care of us, whether we worry or not (Matthew 6:26). We must, therefore, adopt a radical, new mindset: "We don’t know what’s coming . . . but our Father God does. So, we’ll leave it to him."
[td]
Okay, so what do we do?

Letting go of worry is tough. You must approach it not only intellectually, but practically too. You cannot simply command yourself, "worry less." That, by itself, doesn’t work so well. You must get practical by actually talking about worries with a spouse, a friend, with brothers in community. That does work (2 Corinthians 12:9). Getting your worries out into the open is as powerful as it is counterintuitive. So, brother, defy your instincts.
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Come Close To God For Enduring Hope​


The Lord is my portion; therefore I will wait for him. The Lord is good to those whose hope is in him, to the one who seeks him.

Lamentations 3: 24-25


My friend’s daughter was extremely sick. Sick as in whatever mystery illness that was plaguing her was starting to shut down her organs. For years, my good friend and her teenage daughter searched for a medical answer to this frighteningly debilitating condition. Doctor after doctor, specialist after specialist, hospital after hospital, these two women fought for answers as they simultaneously battled for the daughter’s life.

This struggle endured for years. Not weeks. Not months. Years as in the teen grew into a young adult woman before they found the medical help she needed and a long sought after correct diagnosis. Imagine that moment when finally someone got it right. They were thankful to God for answering thousands of tear-laced prayers that extended over countless seasons.

God Is Our Hope

But with the diagnosis came a grim reminder of the damage already done by a delayed treatment plan…the virus had infiltrated every part of this young gal’s body and it would take vigilance and years to heal her. More treatments. More years. More tears. Enter the battle against hopelessness for the foreseeable future.


After having expended much of the last decade of their lives and more money than they could afford to spend; it was a bittersweet ending to a long battle. True, now they have a name for this insidious invader. They also have to face the facts that the fight isn’t nearly over. This mom and her daughter took risks others thought were silly, foolish even. But as desperate as they were, mother and daughter decided together to go the unconventional route with only God’s inner-assurance as their guide. Their faith-infused risk paid off.

Battles Are Stepping Stone To Greater Faith

Today, they’re still entering a battle zone every single day but all they went through to get here has made them that much more resilient and hopeful. The truth is, we don’t grow strong during the high times in life. We grow as we fight our way out of the thorny brambles and bushes with our bare hands. Sometimes our toughest battles are the stepping-stones that create an unbreakable foundation for a hope-infused life.

There’s an old saying that goes, “Whatever doesn’t kill you will make you stronger,” and I’d have to agree. There is something about being backed into a corner facing down terrific foes that force us to examine and then re-examine who we are and what we believe. In these scary moments, we had better already have figured out who and what we’re going to put our trust in, because once the battle ensues, we won’t have the time or the energy to be reflective.


Make Time For God Every Day

Which is why everyone needs to spend some generous amounts of time reflecting upon their belief system. I make my best effort to spend time daily with God, in His Word, praying, journaling, reading thoughtful and thoughtfully challenging books by authors way smarter and wiser than me. It makes all the difference in my day, all the difference between hopeless and hopeful.

My friend will tell you that what sustained her and her family during their most hopeless hours was the time she invested sitting alone before God and meditating upon the promises found in the Bible. She literally soaked up these comforting and powerful truths. Enough so, that when it was time to move forward into foreign medical territory, she was equipped to do so from the inside out. My friend knew whom she believed and she counted Him faithful to see her through. Come close to Him today, before, during, and after you really need to do so. Come close. Recklessly close.
 
[td]
Your Next Chapter
[td]
. . . he is a new creation. The old has passed away;
behold, the new has come—2 Corinthians 5:17
[td]
We write with God all the time. Working alongside him, we write the stories of our lives. He creates the settings and the characters. He creates the conflicts—the situations requiring choices. And we get to make those choices as the characters in his stories. God may encourage us, invite us, surprise us, persuade us, challenge us, convict us—but we and we alone decide, for ourselves.

As we move along in our stories, as we live them out, we sometimes try to convince ourselves that some decisions aren’t actually written down or that we can selectively somehow strike decisions from our stories, after we’ve made them. Looking forward, we tell ourselves, “no one will know.” Looking back, we think, “no one can ever know.” The truth is, every decision is captured: large, small, good, bad. Every decision is written into our stories, immediately, indelibly.

Thankfully, the plot God intends for us involves making some mistakes, some bad decisions, but learning from them and allowing him to redeem them. He can, you know, redeem even the worst decisions (Romans 8:28). What we must do, going forward, is to keep our stories in mind, when we come upon decision points. What we must do is ask ourselves, at those points, “What decisions do we want written, permanently, into our stories?” Asking ourselves that, in those moments, is how we begin to lay aside our old selves and put on our new selves (Ephesians 4:22-24).
[td]
Okay, so what do we do?

When you come to a next decision point—today, tomorrow—ask yourself, before you decide, “What do I want written into my story?” Ask yourself, “What do I want the next chapter of my story to be about? Trust or mistrust? Selflessness or selfishness? Love or resentment? Maturity or immaturity? Redemption or sin?”
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Find Your Identity in God, Not Your Suffering​



We live in a time when we are defined as disabled, bipolar, alcoholic, ADHD, victims of lupus, cancer, Parkinson’s disease, and nearly everything else. Our condition easily becomes our primary reference point.

I am an insulin-dependent diabetic, but my disease doesn’t define me. I learn what’s necessary, take care of myself, and live. I shouldn’t become preoccupied with a disease any more than with a career, a hobby, possessions, or a retirement program. I want Jesus Christ first, and my family second, and then my church and ministry to define my life.

David Powlison, now with the Lord, wrote,

People will often express their care and concern by inquiring about your health. That’s good, but the conversation easily gets stuck there. So tell them openly about your sickness, seeking their prayers and counsel, but then change the direction of the conversation by telling them what your God is faithfully doing to sustain you with ten thousand mercies. Robert Murray McCheyne wisely said, “For every one look at your sins, take ten looks at Christ.” …For every one sentence you say to others about your cancer, say ten sentences about your God, and your hope, and what he is teaching you, and the small blessings of each day. For every hour you spend researching or discussing your cancer, spend ten hours researching and discussing and serving your Lord.

We are to receive comfort from God and His people, and then we are to give that comfort to others. People who pour themselves into loving God and other people find their identity becomes clear. They rest in the fact that God has a purpose and plan for their lives, and they are here as God’s ambassadors and ministers to meet the needs of others. This is critical to our sense of identity. God, not suffering, should define who we are.
 

Biblically Responsible Investing​



Investing doesn’t simply bring profits to the investor (sometimes it doesn’t even do that). It also profits the business in which we have invested. A Christian should avoid investing in any enterprise that makes its profit from people doing what they shouldn’t. For example, in most cases I believe people shouldn’t take out a second mortgage on their home. Consequently, for me to invest in high-yield second mortgages would be an attempt to profit from others’ poor decisions. I would not feel right doing that.

I wrote what follows (and much more) years ago about values-based investing, or biblically responsible investing, in my book Money, Possessions, and Eternity. I am including a small portion of it here in order to explain why I am so excited about a new book by Robin John called The Good Investor that I’m going to wholeheartedly recommend in this blog. If you have limited time, skip directly to what I have to say about that great new book.

Many Christians don’t evaluate the source of their investment income. God operates by a different standard: “You must not bring the earnings of a female prostitute or of a male prostitute into the house of the Lord your God to pay any vow, because the Lord your God detests them both” (Deuteronomy 23:18).


God does care where the money comes from. Of course, often a church or ministry can’t know the source of its contributions. The biblical principle applies primarily to the giver of the gift, not the recipient. But when pastors and leaders know that something has come from a source displeasing to God, they should address the issue, both for the sake of the donors—and those whose lives are affected by their choices—and the church or ministry. If this standard applies to the source of incoming funds, surely it applies even more to where we choose to put our money…

Consider Ephesians 5:1-11, which culminates in the command, “Have nothing to do with the fruitless deeds of darkness, but rather expose them.” How can we justify investing in companies that market the fruitless deeds of darkness? Isn’t funding evil a clear violation of the warning against establishing an unequal yoke with darkness (2 Corinthians 6:14-18)?

This certainly isn’t easy to track when there are so many companies with so many names. Most Christians would think it was wrong to invest in Playboy magazine. But the Houston-based Internet company Telescan specializes in data retrieval tools that it uses in partnership with Playboy’s Web sites. But who would know that if they saw Telescan on a long list of companies invested in by their mutual fund?


Hewlett-Packard supports Planned Parenthood, the nation’s largest abortion provider. Rick’s Cabaret International (NASDAQ symbol: RICK) is a public company self-described as a “premier adult nightclub offering topless entertainment.” In Putting Your Money Where Your Morals Are, Scott Fehrenbacher lists many objectionable companies that mutual funds invest in. Among these are Tenet (NYSE symbol: THC), the second-largest chain of hospital facilities in the nation, including some of which perform for-profit, elective abortions; and American Express (NYSE Symbol: AXP), which uses shareholder funds to actively promote homosexual causes.

….Those who own certain Fidelity mutual funds (which includes many Christians) have unknowingly helped support the government of Sudan, a genocidal regime that has systematically enslaved and persecuted Christians for decades. Various Christian denominations have invested in Talisman Energy, a huge Canadian oil company that does 25 percent of its business with Sudan. Vanguard and the state of New York were among those who divested themselves of Talisman after antislavery groups lobbied them. I hope by the time you read this it’s no longer true, but as of 2002, Fidelity still owned millions of shares in Talisman. Last year, I joined many others in addressing my concerns to Fidelity [I include in the book the letter I wrote them].


…Scott Fehrenbacher persuasively argues that it’s wrong for Christians to invest God’s money in music that promotes murder and rape (e.g. by funding gangsta rap), blatantly immoral movies, blood-spattering video games, pornography, nude dancing bars, abortion, alcoholism, and tobacco addiction. Some companies, including the large conglomerate that owns MTV, actively engage in trashing Christian beliefs and morals. That we would invest God’s money in companies sponsoring anti-Christian philosophies and activities seems unthinkable. Yet it happens every day.

The average Christian whose retirement program is in mutual funds or stocks managed by others has no clue where God’s money is actually going. Mutual funds serve to separate the investor from the companies invested in.

…Values-based investing isn’t a new concept. Scott writes in Putting Your Money Where Your Morals Are:

As early as the 1800s, the Quakers withdrew from business relationships and partnerships involved in the slave trade. In the 1920s, churches and denominations in America chose to actively screen their money from being invested in “sin stocks,” defined then as belonging to companies that manufactured products related to alcohol, tobacco, and gambling.


…If enough Christians would adopt a values-based approach, we might see a shift in priorities among some mutual funds or brokerages, so we could more wisely entrust them with our investments. But even if we’re the only ones to do this, our stewardship responsibility is to God, and he is the one who will ultimately evaluate and reward us.

It is every bit as true today as it was when I wrote and updated Money, Possessions, and Eternity: Mutual funds, today’s most common investments, distribute their investors’ money in a wide range of companies, some of which do things with the money that a Christian wouldn’t condone. The average Christian whose retirement program is in mutual funds or stocks managed by others has no clue where God’s money is actually going. Mutual funds serve to separate the investor from the companies invested in.

A brand new book is out, The Good Investor by Robin C. John, that I think should be read by every Christ-follower who gives financial advice or invests in companies, even if it’s only through a retirement plan. I love that Robin is not just encouraging us to avoid investing in what’s bad—as I did in Money, Possessions and Eternity—but to turn toward investing in what will bring joy and blessing to others around the world. Giving is vital, but investing with integrity is also crucial. He is addressing not just the negative aspect I dealt with in my book, but the positive aspects of investing. I highly recommend this book and was happy to endorse it.


Robin writes:

…what if it isn’t true that we’re powerless? What if it isn’t true that our little choices have no impact on the world around us? Our everyday decisions can make the world more what we long for it to be, more what God longs for it to be. And something most of us do already (investing) can participate in the world’s healing. The allocation of capital is a powerful tool; when used thoughtfully, and in connection with its true purpose, investing can create immense value and solve some of the world’s deepest needs. Or, when disconnected from its true purpose, it can extract value and cause extensive damage.

…Our money is doing work in the world. The question is whether our money is doing work that harms or work that helps. My hope as you read my story is that you will find inspiration to imagine how your investments can do good, how your investments can help and heal.

The possibilities for doing good, bringing power to bear on behalf of those most in need of relief, gives me hope. We’re not helpless. Our investments, our lives and work, our resolve to challenge the status quo—these are seeds of beauty.
 
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