Saturday, March 4, 2023

Parable of the talents

 

The Parable of the Talents

When Jesus taught about his second coming, he drove home one important lesson: Only faithful stewards will be prepared for his return (Matthew 25:14-30). The parable he used to make this point involved three servants who each received a dizzying sum of money from his master before that master departed on a long journey. This is not just an act of generosity; this is an act of trust. The master gave each of these servants the opportunity of a lifetime. This was their chance to prove themselves, test their skills and possibly rise to positions of greater influence and responsibility.

Upon his return the master discovered that two of the servants had invested the money, and that one had buried it. He took the greatest gift he would ever be given and buried it in a field, forgetting – or choosing not to believe – that the master would return.

There are a couple of variables in this story. First, the master does not give each servant the same amount of talents. We don’t have to look too closely to see that this is just the way things are. Some people have gifts that are publicly celebrated. Others have gifts that are quiet and unseen. Not everyone is gifted in the same way, and that needs to be okay with us. It would be foolish for the one-talent man to pout that he was only given one talent. A talent was equivalent to 15-years’ salary! In a day when most people lived day to day, he ought to rejoice that he was given such a great gift.

Jesus makes it clear that the size of the gift is not the important variable. The variable that matters is what each servant does with what he’s been given. While the first servant is given more than double what the second servant is given, they are both commended with the exact same words: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness” (vv. 21, 23). In the final analysis, on the day of reckoning, the master will not ask why you didn’t invest someone else’s gifts. He won’t ask what you did with what you didn’t have. He will only be concerned with what you did with your gift.

When the servant who had buried the money began offering excuses, the master refused to accept them. Instead, he rebuked the lazy servant and punished him severely. Meanwhile, the faithful servants enjoyed the rewards they had received for their diligent labor. The master is generous beyond belief, but he is also going to hold his servants accountable. He will reward diligence and faithfulness; he will punish laziness. Here is perhaps the most sobering point of this parable: The third servant is not judged for doing bad things; he is judged for doing nothing. He did not lie or cheat or steal; he simply sat on his hands.

For some reason, we have gotten away from the idea that laziness is that bad. Historically speaking, however, sloth was listed as one of the Seven Deadly Sins. Solomon Schimmel points out that sloth is a uniquely Judeo-Christian sin – the only one of the seven not considered a vice by Greco-Roman standards. This is because the Judeo-Christian worldview understands human beings to be responsible to God. Our lives are not merely concerned with self-preservation and self-promotion; we are stewards of what God has given us. To fail in this is a form of stealing from God.3

Leaders are stewards. They manage multiple resources because they direct others in using their own resources.

Ownership Has Its Advantages

Let’s get this straight: God has no needs, and he did not create the cosmos because he was lonely or bored. Instead, the created order is the overflow of the fountain of love that has always existed within the triune Godhead. As stewards, we participate in a world that derives its being and sustenance from the infinite, personal Creator.

Psalm 104 is a rich poem, extolling the manner in which the created order displays the beauty and glory of the living God. It’s filled with expressions of praise, wonder and adoration. All things find their origin and nourishment in the mind and power of the personal and inexhaustible God:

Praise the Lord, O my soul. O Lord my God, you are very great; you are clothed with splendor and majesty…. He set the earth on its foundations; it can never be moved….

He waters the mountains from his upper chambers; the earth is satisfied by the fruit of his work. He makes grass grow for the cattle, and plants for man to cultivate – bringing forth food from the earth; wine that gladdens the heart of man, oil to make his face shine, and bread that sustains his heart. The trees of the Lord are well watered, the cedars of Lebanon that he planted….

You bring darkness, as it becomes night, and all the beasts of the forest prowl. The lions roar for their prey and seek their food from God….

How many are your works, O Lord! In wisdom you made them all; the earth is full of your creatures…. These all look to you to give them their food at the proper time. When you give it to them, they gather it up; when you open your hand, they are satisfied with good things. When you hide your face, they are terrified; when you take away their breath, they die and return to the dust. When you send your Spirit, they are created, and you renew the face of the earth.

Psalm 104:1, 5, 13-16, 20-21, 24, 27-30

The Lord’s splendor and majesty are displayed in the heavenly bodies, as well as in the clouds, winds and lightning. God formed the earth with its oceans and mountains, and the water he provides sustains the beasts of the field and the birds of the air. Earth’s stately forests and lush vegetation sustain humans and animals; and the sun and the moon differentiate day from night and mark off the seasons. The incredibly rich diversity and abundance of creatures both large and small are a continual source of awe and amazement. All things look to God for their existence, and when he takes away their breath, they die and return to the dust. “Who is like the Lord our God, the One who sits enthroned on high, who stoops down to look on the heavens and the earth?” (Psalm 113:5-6).

Paul employs parallelism for emphasis when he says that “For us there is but one God, the Father, from whom all things came and for whom we live; and there is but one Lord, Jesus Christ, through whom all things came and through whom we live” (1 Corinthians 8:6).

He further addresses the Corinthian believers: “You are not your own; you were bought at a price. Therefore honor God with your body” (1 Corinthians 6:19-20). Jesus owns us both by virtue of creation and of redemption. He is the source of both our biological and spiritual lives. Humans are the apex of God’s created order, but we are still part of that created order. The practical implications of this truth should be evident.

As we mentioned before, the creator has the rights of ownership. God is presented throughout the Bible as the Creator. In fact, the whole book starts with this simple statement: “In the beginning God created” (Genesis 1:1a). He owns everything that he has made, and he made everything that is. This has tremendous ramifications for how we live.

If human life is simply an accident arising from millennia of human history, then we are free agents, accountable to no one but ourselves. But if we were created, then our Creator has full rights of ownership over our lives. These are mutually exclusive propositions. Either we are merely an accident of history and therefore completely at liberty to do whatever we want with our lives, or we are intentionally created beings who will be held accountable to our Creator.

If we buy into the very first sentence of the Bible, we must acknowledge that we are not our own. Our life is a trust given to us by God. We are not worthless or aimless. God has chosen to bring us into being. He did this in purpose, and we can only discover true meaning and fulfillment as we get to know the One who created us. John Calvin was right when he said that no man can know himself unless he first knows God.

When people start believing that they are meaningless accidents, human life becomes cheap. And if human life is cheap, it becomes disposable whenever that’s convenient. First the unborn, then the elderly, then the handicapped or others who are viewed as a drain – if they become bothersome, they become expendable. Where does that lead? Where does it stop? History has shown that it progresses to people who are the “wrong color,” the “wrong race” or the “wrong religion.” The most monstrous evils of our time have been built on the assumption that human life happened by accident.

When we open the Bible, we are confronted by God. He is the Creator, and he has the absolute rights of ownership over all things. Missing this is like misaligning the top button on your shirt – nothing else will ever line up. Nothing else in the Bible will make any sense or have any relevance if we miss the fact that God is the Creator and has full rights of ownership.

The Cultural Mandate

God has entrusted to us the dignity and responsibility of being stewards of the resources and creatures of this planet. When we shape, refine and creatively utilize the minerals, plants and animals that God has placed at our disposal, we are accountable for the results. Genesis 1:28-30 contains God’s stewardship mandate for the newly created man and woman, whom he had formed in his own image:

God blessed them and said to them, “Be fruitful and increase in number; fill the earth and subdue it. Rule over the fish of the sea and the birds of the air and over every living creature that moves on the ground.”

Then God said, “I give you every seed-bearing plant on the face of the whole earth and every tree that has fruit with seed in it. They will be yours for food. And to all the beasts of the earth and all the birds of the air and all the creatures that move on the ground – everything that has the breath of life in it – I give every green plant for food.” And it was so.

Here is the first “Great Commission” in the Bible, also known as “The Cultural Mandate.” This is God’s idea for the human race: a call to establish human society all over the world. We are not to be subject to creation; we are to hold dominion over it.

God’s command to “fill the earth and subdue it” (v. 28) has been realized to a far greater extent during the past century than ever before. For the first time in human history, we face the crisis of global pollution and wholesale destruction of irreplaceable resources (e.g., the rain forests). Much of this is due to human greed and presumption; people have assumed that the supplies of earth are inexhaustible and that we are free to use them for personal gain. Greg Johnson warns us:

Industrialization and the environmental crisis that accompanies it have given us a negative image of dominion – one divorced from our God-given calling. Dominion means more than filthy strip mines and smog. Dominion doesn’t mean rape and pillage. It does mean, however, that God’s world is incomplete without humanity in its proper place.4

As we have previously mentioned, Scripture cautions us that we really own nothing, that “The earth is the Lord’s, and everything in it, the world, and all who live in it” (Psalm 24:1). And again, God reminds us in Psalm 50:10 that “every animal of the forests is mine, and the cattle on a thousand hills.” The creation is not here for our amusement. Its calling is the same as ours: to bring glory to God in heaven.

A steward manages the possessions of another. We are all stewards of the resources, abilities and opportunities that God has entrusted to our care, and each of us must one day give an account for how we have used them. The basis for reward is faithfulness: “Now it is required that those who have been given a trust must prove faithful” (1 Corinthians 4:2). Our God-given dominion over nature is not self-regulated. We exercise our dominion under the watchful eye of the one who created everything. The mandate to establish civilization on the earth is for God’s glory, not our own.

The Parable of the Shrewd Manager

Stewards are expected to realize the maximum possible return on the resources which the master has entrusted to their care. In preparing his followers to be steward-leaders, Jesus told a parable that really caught their attention:

“There was a rich man whose manager was accused of wasting his possessions. So he called him in and asked him, ‘What is this I hear about you? Give an account of your management, because you cannot be manager any longer.’

“The manager said to himself, ‘What shall I do now? My master is taking away my job. I’m not strong enough to dig, and I’m ashamed to beg – I know what I’ll do so that, when I lose my job here, people will welcome me into their houses.’

“So he called in each one of his master’s debtors. He asked the first, ‘How much do you owe my master?’

“‘Eight hundred gallons of olive oil,’ he replied.

“The manager told him, ‘Take your bill, sit down quickly, and make it four hundred.’

“Then he asked the second, ‘And how much do you owe?’

“‘A thousand bushels of wheat,’ he replied.

“He told him, ‘Take your bill and make it eight hundred.’

“The master commended the dishonest manager because he had acted shrewdly. For the people of this world are more shrewd in dealing with their own kind than are the people of the light. I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings.”

Luke 16:1-9

This perplexing parable appears at first glance to encourage dishonesty. But Jesus enjoins us to mimic the steward’s shrewdness, not his dishonesty. Jesus commends the man’s ability to use his present and temporary power and resources to make preparation for what was coming.

In Jesus’ day there were two primary words for “wisdom.” One word was sophia, which had a spiritual, pious ring to it. This is the wisdom which comes from above, resulting in godly character and conduct (cf. James 3:17). This wisdom comes through the grace of God (Ephesians 1:7), and is a beautiful thing. But the word Jesus uses here is phronimos, which meant cunning, cleverness, street-smarts. Jesus uses this word in Matthew 7:24 about the “wise” man who builds his house on the rock. It takes no special revelation from above to know that Jesus’ teachings in the Sermon on the Mount form perhaps the greatest ethical platform known to man. It only makes sense to apply these teachings to our daily lives, thus the “wise” man is also shrewd.

We often see pictures of Jesus looking as innocent as a dove. But we never see pictures of Jesus looking as shrewd as a serpent. This reveals our failure to grasp his true nature. We tend to confuse being spiritual with being gullible or timid. But, in the Gospels, we find that Jesus had an earthy streak that didn’t look spiritual to people. This is one of the things that caused people to misunderstand him. There was nothing naïve about Jesus. He was completely realistic without a trace of cynicism. And he was totally innocent without a trace of naïveté. That still confuses a lot of people today, because we’re not accustomed to seeing that combination.

No parable can be interpreted correctly until its purpose has been identified. Before asking what a parable means, the reader must ask why it was told. The situation which prompted this parable is recounted in Luke 15:1-2. The Pharisees were attacking Jesus for eating with the wrong people. His answer to their charge came in the form of four separate parables, the first three of which are recorded in the previous chapter (Luke 15:3-32). In the parable of the steward (16:1-9) Jesus drew his conclusion. Stewards work hard and “smart” to please their master. But some go the extra mile and work “shrewd”! While it appeared to some that Jesus was working contrary to the Father’s wishes, he and the Father both knew that Jesus was working judiciously and discerningly (synonyms for shrewdly) on precisely those things which the Father wanted accomplished (notice the first sentence of 16:8).

Jesus made it clear that we are his stewards. We manage his resources on earth. Since leaders manage multiple resources, the stewardship role is especially applicable to them. Verses 8-15 contain the application of this extended passage. Read carefully from the standpoint of your role as a steward of God’s resources. The point of stewardship is that we manage what God owns (and he owns everything). He expects maximum return on his investment. Stewards work hard and smart. The best stewards are also shrewd. They look for the “extra” possibility to serve God well.

We who are children of light must use our power, resources and abilities to prepare for eternity. We do that in at least two ways. Primarily, we use our resources and abilities to make investments into eternal things (Matthew 6:19-21, 33). We win friends (specifically God and the people we love and serve) who can help us when we are helpless (e.g., judgment) so that we will have a comfortable place when we lose our job (i.e., when we die). Secondly, we spread God’s message, using whatever resources and skills we have so that others can prepare for the future as well. In this way we leverage the temporal resources of this world for the eternal treasures of the next by investing them in people.

The children of light (Ephesians 5:8) can be so naïve! We are afraid that if we are shrewd, we are being unchristian. We feel we should not use secular abilities or procedures in the work of the kingdom. But Jesus said, “Be as shrewd as serpents and as innocent as doves” (Matthew 10:16). We ought to be impressive examples of sagacity to this world.

This “shrewd use of resources” must also include our money, especially for Americans who have been entrusted with so much of it. The wisest use of money is not temporal pleasure, but eternal security. Present investments in the poor will be honored by God in eternity.

Stewardship in All Circumstances

In Genesis 39:1-41:57, Joseph provides us with a classic example of stewardship. His life is the ultimate good news/bad news story. He is his father’s favorite son, but that makes his brothers jealous. His father gives him a beautiful coat, but his brothers tear it off and sell him into slavery because of it. He finds a job working for a wealthy man who puts him in charge of his household, but his boss’ wife tries to seduce him. Joseph resists, but this makes her angry enough to falsely accuse him and have him thrown into jail. In prison, Joseph meets a royal official, interprets a dream and receives a promise of parole, but the official forgets and Joseph languishes in prison for two more years. Joseph’s life has more plot twists than an Indiana Jones movie.

We want to rush to the end, where Joseph is large and in charge, reconciled to his brothers, enjoying luxury, and they all live happily ever after. But Joseph models something more important for us. Stewardship happens in the meantime. Regardless of his circumstances, whether he was on an upswing or a downturn, Joseph utilized the resources available to him for great good. God was with Joseph, he was always put “in charge” (Genesis 39:4, 22; 41:41). From Potiphar’s house to the prison ward to Pharaoh’s Egypt, Joseph built others’ fortunes by managing their resources and managed situations well regardless of his own comfort. That’s what stewardship entails; and that, according to Matthew 25, is what leadership is all about as well. But of what, exactly are we stewards?

Peter Drucker asserted in Post Capitalist Society that knowledge is fast becoming our most valuable asset. Karl Albrecht (The Northbound Train) tells us that, in this emerging post-capitalist society, “one of the main jobs of leadership is to help people understand the contributions they can make.” Leif Edvinsson and Michael Malone’s book Intellectual Capital is subtitled, “Realizing Your Company’s True Value by Finding Its Hidden Brain Power.” In Stewardship, Peter Block consistently equates stewardship with a leader’s commitment to develop the human resources placed in his or her charge. This representative, and by no means exhaustive, listing demonstrates that today more than ever before leaders-as-stewards must cultivate their human resources. People are a leader’s major stewardship focus.

Joseph, Jesus and contemporary leadership gurus tell us that, as leaders, we are stewards of our greatest resource – people. A view of leadership that is consistent with the Bible will focus on what God deems important. And again, that is people. Whatever else biblical leaders feel responsible for in the name of stewardship, they must accept responsibility for the people God has entrusted to their care.

Biblical stewardship touches every area of our lives. It requires a basic commitment to present ourselves completely to God as his servants, with no strings attached. The real issue of stewardship is whether we are administrating our affairs and possessions as if they are ours or as if they are God’s. Our lives are shaped by the decisions we make, and there is no greater choice offered to us than surrender to the one who created us and knows us better than we know ourselves. The ultimate question, then, is this: Am I the lord of my life, or is Christ the Lord of my life? We will either labor under the illusion that we can control our own lives, or we will submit to the reign and rule of God. This is the difference between the great I will and the great Thy will. Whether we realize it or not, we face this decision many times in the course of each day. Our answer to this question will determine how we manage the time, abilities, money, truth and relationships God has placed under our care. A wise steward will treat things according to their true value, treasure the things God declares to be important and hold with a loose grip the things that God says will not matter in the end.


Matthew 25:14-30

Thematically, the parable of the talents goes beyond the earlier ones. Not only does Christ expect faithfulness in duty and preparedness even through a long delay, but He also expects an improvement upon what He initially bestowed. More than that, He expects improvement from bestowal to the day of reckoning.

A logical sequence of lessons develops through these parables. The middle parable is the parable of the ten virgins, illustrating the disciple's inner state. The parables before and after it show the disciple working, an external activity. The preceding parable indicates faithfulness, the following one indicates improvement. He may be telling us that the basis of a profitable external activity is diligent internal, spiritual maintenance. Out of the heart comes what a person is (Matthew 15:18-19Luke 6:45).

In the ancient Middle East, a talent was a unit of weight and later of money. Jesus probably meant to convey nothing more than quantity, a measurable amount, from which we could draw a lesson. We thus need to improve or grow in areas that can be measured. Talents, therefore, should best be equated with spiritual gifts.

Jesus also illustrates the varying levels of responsibility and the differing amounts of gifts. In the parable, the gifts are given according to natural ability, but all who increase equally are rewarded equally. Their trading of the talents signifies the faithful use that one should make of gifts and opportunities of service to God.

In the natural world, talents differ. One man may design a church building, a cathedral. Another has the talent to craft the woodwork or cut and lay the stone. Another person has the talent to speak from its pulpit. Still another has the talent to write music that is played on its organ or piano. Each has talents which differ from his fellows', yet they are dependent on each other for the building and right use of that cathedral.

Thus, one person is no better or more important than the other, though one may have greater natural ability. God clearly shows that the greater the capacity, the greater the responsibility. But we also find that though there is an equality in opportunity, there are differences in talent.

With God's gifts it is the same. It is not how much talent one has, but how one uses it that is important to God. It is not how many gifts that God gives to a person, it is what one does with them. That is why Christ shows an equality between the person with five talents and the one with two. Both increased an equal amount, 100%, and they were rewarded, as it were, equally. This is an important point in this parable.

In the first place, all of the talents belong to God. They are His to bestow on whomever He wills. These talents, gifts, are not things we possess by nature but are Christ's assets, abilities, which He lends to us to use. Talents can be truly understood as things like God's Word, the gospel of the Kingdom of God, the forgiveness of sin, His Holy Spirit, etc.

The apostle Paul mentions quite a few of them in I Corinthians 12: wisdom, knowledge, faith, healing, miracles, prophecy, discerning of spirits, tongues and the interpretation of tongues. They are not natural endowments. Some receive more than others, and the vast majority of us are most likely among those who receive one or two. But despite whether we have one, two or five, everyone is responsible for using these gifts which belong to Christ, lent to us to serve Him. And we have to grow.

And in this I give my advice: It is to your advantage not only to be doing what you began and were desiring to do a year ago; but now you also must complete the doing of it; that as there was a readiness to desire it, so there also may be a completion out of what you have. For if there is first a willing mind, it is accepted according to what one has, and not according to what he does not have. (II Corinthians 8:10-12)

God judges according to what we have. Since He is a perfect judge, He is the only one qualified to measure whether we are using and increasing our gifts, or whether we are hiding and squandering what He made available to us.

Since these gifts are not ours to begin with, we must adjust our thinking. We have to accept our limitations as part of God's divine purpose and not struggle against them. He wants us simply to use what we have been given. And the proper use of our gifts will cause them to increase. Paul declares, "But now God has set the members, each one of them, in the body just as He pleased" (I Corinthians 12:18).

He examines the question of God's fairness in Romans 9:14-21. Is there any unfairness with God, to love one, as it were, and not the other? Recall the analogy of building a cathedral. God is building a great temple (cfI Peter 2:4-10I Corinthians 3:5-17). His temple is His Family, and He knows whether a person, using his natural abilities plus His gifts, will be a woodcarver, a stonemason, a preacher, a musician or whatever in it. God knows. He wants us to fill the role He has given us wherever we are.

We should not forget that God will reward us equal to our growth. He holds us responsible only for what we have been given, and this fact inclines us to approach our gifts with the "doorkeeper attitude." "I would rather be a doorkeeper in the house of my God than dwell in the tents of wickedness" (Psalm 84:10). If God gave us one gift, whatever it is, we should strive to double it. Doing that, we will succeed just as the person who was given five and doubles them. He has more to answer for, but the burden on him is actually just as great as it is on the person who has one. There is no difference in God's judgment.

What does God commend? What does He say pleases Him? Is it genius? No, He says knowledge puffs up (I Corinthians 8:1). Is it speaking ability? No, God made a dumb ass speak (Numbers 22:28-30). Is it singing ability? Or writing ability? It is none of those things. He is looking for someone who is faithful. A person can be faithful with one talent, two, five or ten. It does not matter because God gives gifts according to natural ability. And it is very likely that if God gave more or greater gifts to those who have less natural ability, they would fail because they could not maintain them. So God in His mercy judges what a person can handle.

The translators of the New King James Version misplace the word "immediately" in verse 15. The way they translate it gives the impression that the master of the house left immediately, but the word does not apply to the master. "Immediately" applies to the person who had five talents (cfMatthew 25:15-16 in the Revised Standard Version, New International Version or Revised English Bible). Not indulging in any daydreams or fears, he immediately went out and worked. Believing that work was good for him, he got right down to business.

The tragedy of the story and the focus of the parable is the man who hid his talent. From him we probably learn the most. First, the talent was not his in the first place; it was on loan. Second, Christ shows that people bury their gifts primarily out of fear. Third, the whole parable illustrates that regarding spiritual gifts, one never loses what he uses. That is a powerful lesson: if we use the gifts that God gives us, we cannot lose! The one who was punished never even tried, so God called him wicked and lazy. His passivity regarding spiritual things doomed him.

Comparing this parable to the parable of the ten virgins, we see a few interesting contrasts. The five foolish virgins suffered because they let what they had run out. This servant with one talent apparently never even used what he had. The virgins failed because they thought their job was too easy, while this servant failed because he thought it was too hard. On many fronts they seem to be opposites.

The servant's true character comes out in his defense before the master and in the master's condemnation. In verse 24 he claims, "Lord, I knew you to be a hard man, reaping where you have not sown, and gathering where you have not scattered seed." That is a lie! Not having this belief, the other two servants immediately go to work, never suggesting that they think their master is harsh and greedy. The wicked servant justifies his lack of growth by blaming it on God. "It was too hard, Lord." He accuses God of an insensitive and demanding evaluation. That is why Christ calls him wicked. He calls God a liar and accuses the master of exploitation and avarice. If he did work, he says, he would see little or none of the profit, and if he failed, he would get nothing but the master's wrath. The master then asks, "Why didn't you at least invest my money so that I could receive interest?" The servant, in his justification and fear, overlooks his responsibility to discharge his duty in even the smallest areas.

Blaming his master and excusing himself, this servant with one talent fell to the temptations of resentment and fear. Together, the two are a deadly combination. The church needs people with one talent as much as the person who has many talents. To illustrate this, William Shakespeare was very talented with words, considered by most to be the greatest writer of the English language. Very few people have had Shakespeare's gifts. But where would Shakespeare be without the printers, the bookbinders, the teachers, the actors, and the like who bring his works to the public? From this we see the interdependence of gifts. Even those who may appear to have few talents are just as needed in the body as those who have many.

This parable insists that watchfulness must not lead to passivity, but to doing one's God-given duties. We must be learning, growing, carrying out our responsibilities and developing the resources that God entrusts to us until He returns and settles accounts. As in the other parables, we see a progression in the theme of being prepared for Christ's return, with each parable having a different nuance in its lesson.


ne of Satan’s most effective delusions is the idea that happiness consists in the things that we possess. Through his deceitfulness, he has erected a golden calf, an idol called materialism. Like a barker on the midway, he calls to every passerby, “ come and worship at its feet, buy, sell, get gain, and possess, and it will make you happy.”

Christians, though a people with a spiritual calling and heavenly assets beyond compare, are not automatically exempt from Satan’s schemes nor inoculated against infection from the deadening disease of materialism. Like a plague, it stalks us from every corner—on television, the printed page, the display window, the showroom, the Jones’ driveway. Everywhere the seductions of materialism fill the air and seek to come into our lives through both conspicuous and subliminal messages.

In a context that instructs us to live as aliens and strangers (1 Pet. 1:17-18; 2:11), and as a people who are to live with a view to a heavenly inheritance that is untouched by decay, unstained by evil, and unimpaired by time (1 Pet. 1:4), Peter also warns us to be sober and alert against Satan’s devices (1 Pet. 1:13; 5:8). Why? Because, if we are not on guard, Satan will distract us through possessions from our heavenly calling as a people for God’s own possession who are to proclaim the excellencies of Him who has called us out of darkness (the delusions of Satan) and into His marvelous light (1 Pet. 2:9).

Money is a very little thing (Luke 16:10). Why? Because money cannot buy happiness. Money cannot give eternal life nor real meaning in life (Isa. 55:1-3Rev. 3:16-18). Yet, there is nothing that reveals our spiritual orientation and relationship with God like our attitude toward money.

Jesus Christ made it clear that a mark of true spirituality was a right attitude toward wealth. The mark of a godly and righteous man is his preoccupation with God and heavenly treasure.

Scripture has a tremendous amount to say about money or material possessions. Sixteen of the thirty-eight parables of Jesus deal with money. One out of every ten verses in the New Testament deal with this subject. Scripture has 500 verses on prayer, less than 500 verses on faith, but over 2,000 verses on the subject of money. Money is an extremely important issue because a person’s attitude toward it is so determinative of his relationship with God, on fulfilling his purpose in this life, and on his character.

THE RESPONSIBILITY FOR PLANNING

Without planning based on biblical values, goals, and priorities, money becomes a hard taskmaster and, like a leaf caught up in a whirlwind, we get swept into the world’s pursuit of earthly treasures (Luke 12:13-231 Tim. 6:6-10).

Financial planning is biblical and is a means to good stewardship, to freedom from the god of materialism, and a means of protection against the waste of the resources God has entrusted to our care (Prov. 27:23-24Luke 14:281 Cor. 14:40).

Financial planning should be done in dependence on God’s direction and in faith while we rest in Him for security and happiness rather than in our own strategies (Prov. 16:1-4, 9; Psalm 37:1-101 Tim. 6:17Phil. 4:19).

THE RESPONSIBILITY FOR DISCIPLINE

If our financial planning is to work, it will require discipline and commitment so our plans are translated into actions. We must follow through on our good intentions (Prov. 14:23). Financial faithfulness is an important aspect of complete, well-rounded spiritual growth and godliness (2 Cor. 8:7). But godliness requires discipline (cf. 1 Tim. 4:8; 6:3-8).

Good intentions are useless without plans that translate them into actions. The Corinthians had indicated their desire and willingness to give and had even been instructed on planned giving (1 Cor. 16:1-2), yet they had failed to follow through on their good intentions (2 Cor. 8:10-11).

THE RESPONSIBILITY FOR STEWARDSHIP

Financial faithfulness ultimately flows out of the recognition that everything we are and have belongs to the Lord (1 Chron. 29:11-16Rom. 14:7-91 Cor. 6:19-20). Life is a temporary sojourn in which Christians are to see themselves as aliens, temporary residents, who are here as stewards of God’s manifold grace. All we are and have—our talents, time, and treasures—are trusts given to us by God which we are to invest for God’s kingdom and glory (1 Pet. 1:17; 2:11; 4:10-11Luke 19:11-26).

THE RESPONSIBILITY FOR WORKING

One of God’s basic ways to provide for our needs is through work—an occupation through which we earn a living so we can provide for ourselves and our families (2 Thess. 3:6-12Prov. 25:27).

The money we earn is also to be used as a means of supporting God’s work and helping those in need, first in God’s family and then for those outside the household of faith (Gal. 6:6-10Eph. 4:283 John 5-8).

GUIDELINES REGARDING SAVINGS
Biblical Support

(1) God directed Joseph to save for the future (Gen. 41:35).

(2) Saving for the future shows wisdom and is demonstrated in God’s creation (Prov. 21:20; 30:24-25; 6:6-8).

(3) Saving for the future is responsible stewardship when designed to meet both the predictable and unpredictable needs of the family (1 Tim. 5:82 Cor. 12:14).

Biblical Guidelines

(1) Maintain a proper view of ownership. Remember, all our wealth ultimately belongs to God. We are managers, not owners (1 Chron. 29:11-16Luke 16:12).

(2) Maintain a proper view of our security. We are to put our trust in the Lord and not in our investments (1 Tim. 6:17).

(3) Beware of impure and unbiblical motives, priorities, and reasons for saving such as anxiety and hoarding as a result of insecurity or covetousness (Matt. 6:25-33Luke 12:13-31).

(4) Decisions concerning future investments are to be made prayerfully in view of the Lord’s will (James 4:13-15).

(5) Don’t use money in saving/investment programs that God desires be used for giving. This occurs when savings or investments become extreme and for the wrong reasons as seen above (Luke 12:16-211 Tim. 6:18-191 John 3:17).

(6) Avoid high-risk investments or get-rich-quick schemes (Prov. 21:5; 28:20, 221 Tim. 6:9).

(7) Watch those priorities. Make the kingdom of God your number one investment (Matt. 6:33Luke 12:311 Tim. 6:18-19).

GUIDELINES REGARDING SPENDING
Contentment

We need to learn to be content (spiritually independent on the details of life for our happiness and security) with what we have (Phil. 4:11-131 Tim. 6:6, 17-19; Heb. 13:5). When we are content with what we have, we are free from servitude to materialism. This means freedom to follow the Lord; freedom to pursue His values and objectives. How does one acquire contentment? Contentment is the product of possessing heavenly treasure and casting the whole of one’s care on the sovereign God as our loving heavenly Father (Matt. 6:19-331 Pet. 5:6-7).

Temptation

Be on guard to the temptations and messages of the world (Rom. 12:1-2; 13:11-141 Pet. 1:13-16; 5:8). There are thousands of messages every day that clamor for our attention through the press, television, radio, billboards, salespeople, and store displays—all designed to get us to buy things we don’t need, with money we don’t have, to impress people we don’t know, and to find happiness where it simply cannot be found.

Evaluate Purchases According to Biblical Principles

(1) Can we pay cash or will the purchase put us in debt? (See Guidelines Regarding Credit.)

(2) Do we have complete peace about it with no doubt? (Rom. 14:23Col. 3:15) We need to watch our tendency to rationalize—giving ourselves deceptive answers to do a bad thing.

(3) Is it a real need or a matter of greed? (1 Tim. 6:91 John 2:15) Will it be profitable to our family, our spiritual growth, our health, our ministry, the Lord’s reputation, and will it increase our love for the Lord or could it hinder it? (1 Tim. 3:4: 5:8; 1 Cor. 6:12)

(4) Is our lifestyle adequate or more than adequate? Do we need to reduce our spending by lowering our expected standard of comfort? (Matt. 6:33Luke 12:15, 23Prov. 15:16-17; 16:8Eccl. 5:10-11).

GUIDELINES REGARDING CREDIT
Basic Principles

(1) God favors lending (investing) over borrowing because it promotes freedom and wise stewardship (Deut. 15:5-6).

(2) Unwise borrowing can put us in a position of servitude (Prov. 22:7).

(3) Use credit wisely and avoid it whenever possible. Though not prohibited by Scripture, credit is generally mentioned in a negative sense. Romans 13:8 is often used as an absolute prohibition against borrowing, but it does not necessarily forbid the use of credit. It may simply teach the necessity to pay one’s obligations whether physical or spiritual as they come due.

(4) Concerning credit there are two basic alternatives: (a) Buy now on credit and pay the installments with interest. (b) Save now and buy later with cash and save the interest.

Keep Borrowing to a Minimum

(1) Interest adds to the cost of living and thereby reduces our capacity for wise stewardship. If we must borrow, we should seek low interest for short terms.

(2) Credit can be risky because it can place people in bondage to creditors and to their own desires rather than to God’s will. It makes impulsive buying too easy. The world system depends heavily on impulsive buying as a balm for being bored and frustrated with life.

(3) Credit can be used as a substitute for trusting God or to get what we want in place of waiting on Him. We use it to buffer ourselves from having to depend on the Lord. Why? Because we are often afraid He won’t give us what we want when we want it (Ps. 37:7-9, 34; 147:11; Matt. 6:30-34Phil. 4:19).

(4) Credit reduces our ability to give to God and to those in need.

(5) The use of credit is often nothing more that a failure to be content with what we have (the sin of dissatisfaction) (Phil. 4:111 Tim. 6:6-8Heb. 13:5). The materialist is never content, but the godly learns contentment.

Don’ts for Borrowing

(1) Don’t purchase something on credit if it will jeopardize your financial freedom.

(2) Don’t go into debt today based upon a future event (such as a raise or a potential sale). This is presuming upon the Lord and His sovereignty.

(3) Don’t go into debt for a house before you have secured a source of income (Prov. 24:27).

(4) Don’t finance daily needs, living expenses, or pleasure items.

(5) Don’t finance items that depreciate quickly, except on very short terms (i.e., 30-90 days).

(6) On appreciating items, such as a house or for business investments, don’t borrow beyond your ability to cash out of the obligation through sufficient collateral plus the value of the item, should it be necessary to sell.

(7) Don’t allow debts (excluding mortgage) to exceed 20 percent of your take-home pay. Shoot for ten percent or less.

(8) Don’t allow a mortgage payment (including insurance and taxes) to exceed 25 or 30 percent of your take-home pay.

QUESTIONS TO ASK BEFORE BORROWING

(1) Do I really need it?

(2) Have I asked God for it and waited long enough for Him to supply?

(3) Am I impatient and seeking immediate gratification?

(4) Is God testing my faith, my values, my motives, etc.?

(5) Did I wrongly spend the money God provided for this item or have I violated God’s financial principles?

(6) Am I guilty of:

  • Stinginess: “One person is generous and yet grows more wealthy, but another withholds more than he ought and comes to poverty.” (Prov. 11:24; 11:25-27).
  • Hastiness: “A faithful person will have an abundance of blessings, but the one who hastens to gain riches will not go unpunished.” (Prov. 28:20).
  • Laziness: “and your poverty will come like a robber,
    and your need like an armed man.” (Prov. 24:34).
GUIDELINES FOR GIVING
God Expects Us to Give

(1) By His Grace Work: Through fellowship with Him, giving is to be the product of God’s grace working in the life so that it first produces a commitment of one’s total life to God with giving as an overflow of that previous commitment (2 Cor. 8:1-2, 6-7; 9:9-11).

(2) In faith: He has promised to supply all our needs; our giving will not be our lack (2 Cor. 9:7f; Phil. 4:19).

(3) Purposefully: We are to give from careful and prayerful planning. “Each one of you should give just as he has decided in his heart” (2 Cor. 9:7).

(4) Regularly: “ On the first day of the week” helps promote diligence and disciplined giving. This creates a consistency and regularity that translates good intentions into actions (1 Cor. 16:2).

(5) Personally: “E ach of you should” brings out the need for every believer to take giving as a personal responsibility for which God holds us each responsible (1 Cor. 16:2).

(6) Systematically: “ set aside…and save” brings out the need to have a method or system whereby money for the Lord’s work is specifically set aside, stored up for giving, so that it is not used for other things (1 Cor. 16:2).

(7) Proportionately: In the New Testament, set amounts of compulsory giving (as in the tithe) have been replaced by the grace principle of voluntary, purposeful, and proportionate giving. The new standard for today is “ to the extent that God has blessed you” (1 Cor. 16:2), “ they gave according to their means” (2 Cor. 8:3), “is acceptable according to whatever one has, not according to what he does not have. 13 For I do not say this so there would be relief for others and suffering for you, but as a matter of equality. 14 At the present time, your abundance will meet their need, so that one day their abundance may also meet your need, and thus there may be equality …” (cf. 2 Cor. 8:12-15Mark 12:41-44), and “E ach one should give … (not) under compulsion” (2 Cor. 9:7).

TO WHOM SHOULD WE GIVE?
The Local Church

“Now the one who receives instruction in the word must share all good things with the one who teaches it.” (Gal. 6:6; cf. also 1 Tim. 5:17-18). If the local church is to form a solid home base for other ministries of outreach, it is only logical that it should become a first priority for our giving.

Other Organizations and Individuals

This would include missions, para-church groups and individuals who are involved in these ministries (3 John 5-8).

Fellow Believers in Need

Those unable to support themselves or who have faced serious problems are to be helped as we are able. Those who refuse to work are not to be supported (1 John 3:17Jam. 2:15-16Gal. 6:10Heb. 10:33-34; 13:1-3 with 2 Thess. 3:6-10).

Unbelievers in Need

Our first priority is to those who are of the household of faith, but we are also to reach out to others in need as we are able (Gal. 6:10).

THE TITHE OF THE OLD TESTAMENT

The word “ tithe” means “ a tenth.” In the Old Testament, however, there is good evidence that the Old Testament saint was required to give at least two tithes and possibly even three tithes per year.

(1) The first was ten percent of all one’s possessions (Lev. 27:30-33). This was given to the Levites for the temple ministry (Numb. 18:20-21).

(2) A second tithe was taken from whatever produce was left after the first tithe was given. This tithe was for the Lord’s feasts and sacrifices (Deut. 12:17-18; 14:22). “This command was considered by Jewish interpreters to be for a second tithe (see Lev. 27:30 and Num. 18:21 for the first; also the note on Mal. 3:8), which was brought to the central sanctuary either in kind or in money. Apparently the offerer could use a part of this tithe for a feast at the sanctuary (vv. 26-27).”241

(3) Another tithe was taken every third year for the welfare of the Levites, strangers, orphans and widows (Deut. 14:26-29). This third tithe may have been separate from the second, though we are not certain. At any rate, each Jewish family was responsible to give not ten percent, but approximately 19 percent.

If the tithe was God’s will for believers today, then believers who give ten percent are under giving.

Because the tithe was required in the Old Testament, it was more of an income tax than a gift given under the theocratic kingdom of Israel. In fact, the Old Testament often speaks of “tithes and offerings” which makes this distinction. Frieson says, “ that is why failure to submit to the ‘whole tithe’ could be described as robbing God.”242 If one of God’s people wanted to express his worship through a voluntary offering, it had to be over and above the two tithes of his income which was owed (Deut. 16:6, 111 Chron. 29:6, 9, 14).

THE NEW TESTAMENT ECONOMY OF GIVING

There is very good evidence the tithe is not for believers today. There are godly men who teach the tithe, but they are clinging to an Old Testament theology that does not apply to the church today. The following is presented as evidence in support of this position.

The tithe of the Old Testament was a part of the economic system of the Law but the New Testament specifically teaches that believers are not under law (Rom. 6:14; 7:4, 6; 8:32 Cor. 3:11Gal. 3:19-25; 4:21-31). There is a two-fold emphasis here.

(1) Believers today are not under the legal, economic, social, or religious system of the Old Testament Law. The Law was a temporary system until the coming of Christ. The coming of Christ and the New Covenant, as it applies to the church, supersedes the Old Covenant with a higher law, the law of the Spirit of life in Christ Jesus which enables believers to fulfill the spiritual and righteous requirements of the Law but through the leading of the Spirit rather than by the imposition of legal regulations.

(2) “Law” in Romans 6:14 is anarthrous. It is qualitative. It is not talking about just one specific law, as the Old Testament Law, but any kind of law. This means we are not under any kind of legal system of external rules or legal regulations which we are to keep in relation to our walk with God. Though we are not without law, being under the law of Christ (1 Cor. 9:21Gal. 6:2), the standard for how much we give in the church age is not an amount set by some external law or some form of compulsion. This would include the tithe either under the Law or even before the Law, because either way, the moment a definite amount is established for believers to give, it becomes a legal and external matter rather than a matter of the inner man and the leading of the Spirit of God (Rom. 8:14Gal. 5:1, 18, 24, 25).

The New Testament teaches us that giving for the church age is to be proportionate by the grace work or leading of God through the Spirit (2 Cor. 8:1-3, 7; 1 Cor. 16:2; 9:7). In keeping with this concept, when we turn to the New Testament we find no New Testament regulation or commandment which continues the tithe for New Testament believers. The word “ tithe” is never used in the New Testament as a command or regulation for the church. In fact, it is used only of historical occurrences where it pertained to Israel under the Old Testament economy, but never in such a way it could imply this is the rule of life for the church.

Matthew 23:23Luke 11:42. Both of these passages applied to Israel. Christ was speaking to Jews who were still at that time under the Law. They were also offering sacrifices in the temple.

Luke 18:12 is merely an historical reference of the prayer of a self-righteous Pharisee who was still under the Law and before the coming of the Spirit and the beginning of the church age.

Hebrews 7:5-9 is an historical reference to Abraham who paid tithes to Melchizedek. Some use this as proof the tithe is legitimate for today. They say it was pre-law, so it should be used as a guideline for all dispensations. But there are two things wrong with that line of reasoning:

Other Old Testament practices predated the Law, yet they are not used as norms or as requirements for the church. (a) The concept of the Sabbath predated the law (cf. Heb. 4:3-9), but it has been replaced by the first day of the week, and even that is not presented as a legal requirement. (b) Circumcision also predated the law (cf. Rom. 4:9-13), but it has been replaced by baptism. (c) Likewise the tithe which also predated the law (Heb. 7:5-9), has been replaced by proportionate giving (1 Cor. 16:2). To insist on a tithe is really a disobedience to the direction of 1 Corinthians 16:2.

Giving according to a tithe is a hindrance to proportionate grace giving as it is prescribed in the New Testament. Let me explain.

Many believers give their tenth and never even consider that they could (and perhaps should) be giving even more. Actually, to demand a tenth from all believers is disobedience to the principles set down in 2 Corinthians 8:12-15 because the tithe may become an unequal yoke. By that I mean it is a burden to some, and a limitation to greater giving by others according to the principles of equality and proportionate grace giving (1 Cor. 16:1-2). Please note the following:

(1) Giving ten percent for one man might be considered “ sowing sparingly” if he was giving proportionately.

(2) Giving ten percent for another could be considered “ sowing bountifully,” if he was giving proportionately.

(3) Giving ten percent for some would be giving beyond their ability and could be considered sacrificial giving, giving “ according to what they do not have” (cf. 2 Cor. 8:12; 9:6).

(4) In essence this means some are being eased of their responsibilities because of their abundance and others afflicted by the tithe compulsion because of their lack (2 Cor. 8:13).

(5) Proportionate grace giving in the New Testament eliminates this and brings about what Paul calls “ equality” (2 Cor. 8:14-15). See the illustration below concerning proportionate giving.

(6) This means to be a good steward of the resources God supplies, the more prosperous believers give more out of their abundance, not just in dollars but in the percentage (20, 30 percent and even more), while those with less give a smaller percent, one determined out of their walk with the Lord. They may decide to give sacrificially as did the Macedonians, but it should be the product of the work of the Spirit of God and not the legal demands of a church that insists on the tithe. Indeed, the tithe is an unequal yoke. Think about it. If you tithe, you may be sowing sparingly.

PROPORTIONATE GIVING

The big question is, what does it mean to give proportionately? How does one determine how much (what percent) to give? It is easy enough to figure ten percent of something, but how much is “ as he purposes in his heart,” or “ as he has been prospered,” or “ may prosper,” or “ if there is a readiness it is acceptable according to what a man has …” How much is that?

(1) It is not a specific amount, or a certain percent, but a proportion based on what one has, one’s own needs, and on the needs of others, including the work of Christ or the ministry of the local church.

(2) Those who have little may give the little they are able (2 Cor. 8:2-3).

(3) Those who have nothing, if there is a readiness, are not expected to give anything (2 Cor. 8:12).

(4) Those who have less than enough (genuine needs) are to receive from those who have more than enough so there is a balancing out, a kind of equality (2 Cor. 8:13-15). This is not socialism or communism which is coercive and seeks for a total equality that does away with any variations in society based on individual differences in hard work, in giftedness, and personal incentive (cf. 1 Tim. 6:17f).

(5) God is not asking those who have plenty to become poor or burdened that others may be made rich (2 Cor. 8:13). The equality envisioned here through proportionate giving is twofold: (a) It involves aid to help people through a condition of need until they are able to get on their feet financially by working (Eph. 4:282 Thess. 3:10-15). We do not give so others can live in ease or have the same standard of living as everyone else. (b) This creates an equality in the sense that those with less give proportionately less and those with more give proportionately more and are able to carry more of the load in giving.

(6) Those who have an abundance are to be rich in good works; they are to use their abundance liberally in the cause of Christ (2 Cor. 8:141 Tim. 5:17-18).

(7) Increased prosperity should not result in a higher and higher standard of living, or wasteful spending, but in an increase in giving, not only in the amount but in the percent given. If believers today were committed to proportionate giving, many would be giving far in excess of ten percent. Statistics show, however, that most believers give no more than 3-5 percent.

Definition of Proportionate Giving

Proportionate giving is giving in proportion to God’s blessing, as a steward who wants to invest his life in heavenly treasure. Proportionate giving does not mean just giving more, but giving a greater proportion of one’s income—a greater percentage invested in God’s work.

In Proportionate giving:

(1) OUR MOTIVE for giving is God’s spiritual blessing, to increase fruitfulness and bring glory to God (2 Cor. 9:8-15).

(2) OUR MEASURE for giving is God’s material blessing (1 Cor. 16:2).

Illustration of Proportionate Giving

Believer A has an income of $20,000 per year and he gives ten percent which is $2,000. Believer B has an income of $50,000 per year and he gives ten percent which is $5,000. Believer B has given $3,000 more per year but this is not proportionately more because Believer A has $18,000 left to live on and Believer B still has $45,000 left, over twice as much. Believer B could give 20 percent ($10,000) and still have $40,000 left to live on which is still over twice as much as Believer ABeliever B would then be giving not only more, but proportionately more as well.

Promises for the Generous Proportionate Giver

Luke 16:10-11: Generally, God does not entrust more wealth to us to manage until we prove faithful with what we have now.

Second Corinthians 9:8-11: Our giving will never be our lack; God will not only resupply what we have given, but He will increase our giving capacity as we give abundantly. The goal here is not increased personal wealth, but greater giving.

BIBLICAL CHALLENGES REGARDING EARTHLY RICHES
Where Is Our Treasure?

Basic Principle: What we treasure is determined by our perspective or insight to the real values of life (Matt. 6:22-23).

Biblical Insight: Our treasures should be in heaven (Matt. 6:19-20).

Biblical Reasons:

(1) Our treasures in heaven are permanent (Matt. 6:201 Pet. 1:4).

(2) Our treasures on earth are temporary and can be lost. We can’t take earthly treasures with us (Luke 12:20-211 Tim. 6:7).

(3) Our treasures on earth are really unfulfilling in that they cannot buy true happiness or significance (Isa. 55:1-3Luke 12:15, 23Eccl. 5:10).

(4) Our treasures on earth cannot prolong life or give security (Luke 12:16-21).

(5) Our treasures determine our pursuits and priorities. Without the right treasures, we will pursue the wrong things and waste our lives (Matt. 6:21Luke 12:341 Tim. 6:9-10Luke 19:23-26).

(6) Our greatest treasure is godliness with contentment (1 Tim. 6:6Heb. 13:5Phil. 4:11-12Prov. 15:17; 16:8; 17:1).

Biblical Explanation: Heavenly treasures consist of crowns, rewards, and responsibilities given to believers at the judgment seat of Christ for faithful stewardship (Luke 19:16-191 Cor. 3:12-15; 9:251 Thess. 2:192 Tim. 4:8). The ultimate treasure is glory to God (1 Pet. 4:11Rev. 4:9-11).

Who Is Our Master?

A servant cannot serve two masters. We cannot serve God and mammon (materialism) (Luke 16:1-13, cf. Matt. 6:24).

Biblical Reason: It is impossible to hold allegiance to two masters at the same time. “for either he will hate the one and love the other, or he will be devoted to the one and despise the other.” (Luke 16:13).

Biblical Insights:

(1) Luke 16:1-2: Life is a stewardship and we are each servants of God who will be held accountable for the way we have used our stewardship. Stop thinking like an owner. Start thinking like a manager.

(2) Luke 16:1, 11-12: Are we squandering God’s investment in our lives or investing it wisely for His glory?

(3) Luke 16:10: Money, in terms of true value, is a “ little” thing, however, faithfulness in little things (money) is an indicator of our faithfulness in big things (eternal values).

(4) Luke 16:11: The use of money is a test of our faithfulness.

(5) Luke 16:11: Money does not constitute true riches.

(6) Luke 16:12: Money is to be used wisely and faithfully as part of our stewardship from God.

(7) Luke 16:12: Money and its acquisition, if we are not careful, can become our master.

Biblical Challenge:

(1) Am I a slave to money and earthly treasures? Is it possible that I am and do not even know it? We must choose between serving money and serving God!

(2) Do I sacrifice Christlike qualities and responsibilities in my pursuits for earthly treasures? (a) Clear conscience; (b) Honesty, moral character; (c) Friendships; (d) Family (wife, husband, children, in-laws); (e) Reputation; (f) God’s glory, etc.

(3) Do I care more about earthly treasures and money matters than I do about my relationship with the Lord and the pursuit of the kingdom of heaven? (a) Priorities; (b) Use of my time, how and where is it spent; (c) What do I think about most—money and what I think it will purchase or God and my trust in Him?

(4) Do I seek from money and earthly treasures (prestige, power, position, pleasure, possessions, etc.) those things that God alone can give? (a) Happiness, real joy; (b) Contentment; (c) Peace of mind; (d) Security; (e) Purpose or meaning in life.

If your answer is yes to any of the above questions, money has become your master to some degree!

CONCLUSION

Having studied these principles, let’s ask ourselves a question: Am I willing to commit myself to these concepts as a way of life in order to become a good steward of the grace of God? May God keep us from the altar of the golden calf of materialism.

And if you address as Father the one who impartially judges according to each one’s work, live out the time of your temporary residence here in reverence. 18 You know that from your empty way of life inherited from your ancestors you were ransomed—not by perishable things like silver or gold, 19 but by precious blood like that of an unblemished and spotless lamb, namely Christ. (1 Pet. 1:17-19).

God desires faithfulness in meeting our responsibilities as disciples of Jesus Christ. If we could fulfill our responsibilities sinlessly, it would glorify Him tremendously, but given the record we have already shown by our lives, that is unrealistic. Deuteronomy 7:9-11 draws attention to this vital trait by showing us God’s character in reference to a covenant:

Therefore know that the Lord your God, He is God, the faithful God who keeps covenant and mercy for a thousand generations with those who love Him and keep His commandments; and He repays those who hate Him to their face, to destroy them. He will not be slack with him who hates Him; He will repay him to his face. Therefore you shall keep the commandment, the statutes, and the judgments which I command you today, to observe them.

God, who cannot lie, states His record to be one of faithfulness, and He will certainly continue to be so. However, our record is questionable at best. We need to show God in our pattern of living that we believe Him and love Him.

In Hebrews 3:1-2, 5, God singles out Moses as an example of a faithful man despite the difficult responsibilities given to him to accomplish:

Therefore, holy brethren, partakers of the heavenly calling, consider the Apostle and High Priest of our confession, Christ Jesus, who was faithful to Him who appointed Him as Moses also was faithful in all his house. . . . And Moses indeed was faithful in all his house as a servant, for a testimony of those things which would be spoken afterward.

Hebrews 10:36-38 also admonishes us in this regard, revealing the importance of being faithful:

For you have need of endurance, so that after you have done the will of God, you may receive the promise: “For yet a little while, and He who is coming will come and will not tarry. Now the just shall live by faith; but if anyone draws back, My soul has no pleasure in him.”

A faithful person is one who adheres firmly and devotedly to God and His Word, meeting even the difficult challenges that God permits into his life in a steadfast spirit while not wavering in his belief. A faithful person trusts that God is leading him and humbly submits.

The Edenic Covenant

The Edenic Covenant is not so named by the Bible. Men have given it this title due to Eden being the site where this foundational statement of mankind’s responsibilities in his relationship with God appears. It is universal in scope, applying to all mankind whether or not one believes in God and His Word. Within the context, Adam and Eve are the ones directly spoken to and about. However, since all humans are counted as descending from them, this covenant is directed broadly to include everyone born since then too.

Before focusing specifically on the particulars of this foundational covenant, we will review the seven major, broad overviews within which mankind’s specific responsibilities are addressed:

1. This covenant introduces the sovereign Creator God Himself. In Genesis 1:1-5, He stands alone; the focus is on Him and what He wants us to learn first about Him. He stands at the beginning of all things and precedes everything. Everything He gives to man—God is the sovereign Creator and Giver of every good gift—he must use responsibly within God’s purpose. This pattern of focusing on the sovereign Creator God and His purposes appears in all covenants with Him. God rules!

2. This covenant reveals that He is orderly. Every step in creation is taken in a scientifically logical progression, establishing that the creation and His purposes are not haphazard. Randomness is not part of His nature. God is purposeful and already has a plan that He is following step by step.

3. In the beginning, like God Himself, everything was morally perfect. No sin is present, nor are any demons there to interrupt His thoughtful construction of a practical and beautiful place for Him to work out His purpose for mankind.

4. No aspect of the creation is to be worshipped. Everything God made and gave to mankind is a product of and inferior to the One who made all things. No animal or object is to be used as an intermediary between the Creator and mankind. Only the Creator is to be worshipped.

5. Beginning with Adam and Eve, humanity is charged with populating the earth and subduing it. Men are not to have an adversarial relationship with the earth but to harness its potential and use its resources for human benefit. In this case, subduing indicates activities like cultivating its fields and mining it for mineral riches. Mankind is not to rape the earth but to work to manage properly what he has been given. Humans, created in God’s image, are to exercise their God-given authority as His servants to care for the earth as He would. That is, men are to follow God’s pattern. There is, of course, far more to being made in His likeness, but ruling is part of the reason for it.

6. Simply being born gives a person a stewardship responsibility. People are to treat God’s wonderful gifts with the same loving care in which God designed and created them.

7. Mankind is to enjoy the foods produced in the Garden as well as the bountiful productivity God placed within humanity’s purview.

God-Given Responsibility

Genesis 1:26-28 reads:

Then God said, “Let Us make man in Our image, according to Our likeness; let them have dominion over the fish of the sea, over the birds of the air, and over the cattle, over all the earth and over every creeping thing that creeps on the earth.” So God created man in His own image; in the image of God He created him; male and female He created them. Then God blessed them, and God said to them, “Be fruitful and multiply; fill the earth and subdue it, have dominion over the fish of the sea, over the birds of the air, and over every living thing that moves on the earth.”

Two things are made especially plain. God states three times in verse 27 that man is created. In verses 26-27, He says four times that man is created in the image of God. He wants us to grasp those points because the same applies to us! Even though we are now about 6,000 years from when He first spoke those words, these realities have not changed one iota.

In addition, God clearly gave us beings created in His image authority over animals. That authority has not been taken from us. This dominion implies responsibility in managing them that we owe to our Creator.

Many people seek to escape the responsibility of answering to our Creator, devising complex explanations to deny His existence to themselves and others. They may reason that, if He does not exist, how can they be responsible for submitting to His commands? They will move heaven and earth, as the saying goes, looking for proof to back their denial of God. The great bulk of mankind lacks the resources, the time, or the education to make such a search, so for their own benefit, they simply deny His existence by ignoring Him. These two categories of people are part of the “Nones”—those who claim no spiritual attachment whatever—of this generation.

Others, without making any real effort to search out the truth, create a god or goddess they are comfortable with and worship him or her to salve their consciences. They do not seem to grasp that their dodges do not alter their responsibility to conform to what God laid out in the beginning.

Another category is quite worrisome: the sincere folk who consider themselves Christian. However, either due to false teaching in their churches or perhaps their own laziness, they believe that much of the Old Testament no longer applies to them. In their minds, it has been “done away” along with what they consider Old Covenant laws, deliberately ignoring what Jesus Himself says about those same laws (Matthew 5:17-20).

However, God’s Word still stands, and mankind is still responsible to follow this covenant, as Romans 1:20-21 declares:

For since the creation of the world, His invisible attributes are clearly seen, being understood by the things that are made, even His eternal power and Godhead [margin, divine nature], so that they are without excuse, because, although they knew God, they did not glorify Him as God, nor were thankful, but became futile in their thoughts, and their foolish hearts were darkened.

God’s Blessing

Genesis 1:28 reads: “Then God blessed them and God said to them, 'Be fruitful and multiply; fill the earth and subdue it, have dominion over the fish of the sea, over the birds of the air, and over every living thing that moves on the earth.'” This verse contains the first words God spoke to mankind. The Hebrew word translated as “blessed” can also at times signify a curse. Here, without a doubt, it signifies that God’s conferring of good on the newly created couple is to be shared by their descendants.

This divine act not only confers dominion over what God created, but it also establishes that, even as God is the Creator and Giver of His wonderful creation at that moment, He is also the Giver of its continued blessings through time to Adam and Eve’s descendants. In His first oral communication to them—an authoritative command to spread over the earth and enjoy His creation’s benefits—He desires to establish in their minds that everything before them was a gift from Him to prepare them to face life.

The physical creation of earth, which culminated in the creation of Adam and Eve, parallels the spiritual creation this same God is undertaking in us. Even as God supplied all that Adam and Eve needed for life, so is He supplying all that we need for our spiritual creation. The apostle Paul confirms this in Philippians 4:19, “And my God shall supply all your need according to His riches in glory by Christ Jesus.” Our responsibility is to hold fast to His promises in faith.

We have been given much, but much more is required of us than is required of the unconverted because God has given us gifts not given to them. This principle of God’s judgment appears in Luke 12:47-48:

And that servant who knew his master’s will, and did not prepare himself or do according to his will, shall be beaten with many stripes. But he who did not know, yet committed things deserving of stripes, shall be beaten with few. For everyone to whom much is given, from him much will be required; and to whom much has been committed, of him they will ask the more.

The overriding thought in the foreground of this first and universal covenant is that the entire creation—including us and the spiritual life given us, but in context, especially earth and what it contains—is a gift from God to aid us in making our way through the physical life He has provided. This is a reality: We live and have being, and we think, plan, build, and look to the future all because of what God has done. This reality must be foundational in our relationship with Him because it provides solid footing for the humility that is necessary to make it work. Because He is the Giver of all good things, our thinking about ourselves in relation to Him must begin here.

In the context of Genesis 1, these blessings, these gifts, are somewhat similar to the gifts of the Spirit listed in I Corinthians 12. A dissimilarity, though, is that I Corinthians 12:11 says, “But one and the same Spirit works all these things, distributing to each one individually as He will.” Here, God supplies gifts for functions He assigns within the church rather than for all of life. But an important similarity that we must live by is that God is still gifting to meet the needs of those He is creating, but in this case the gifts are spiritual rather than physical.

The following truth is not stated in Genesis 1-3, but it is a conclusion gathered from this covenant’s entire context combined with understanding gathered elsewhere in God’s Word: All of God’s gifts are aspects of His grace given to aid us in succeeding within His purpose.

The emphasis should be on His purpose. For example the entire creation is a gift. Whether one is converted or unconverted, it stands as a major teaching device, and receiving it bears responsibilities. Serious and honest consideration of it should lead to answering many questions about our place in a relationship with God, and to realizing some of our responsibilities. This is why Paul declares mankind “without excuse.” The fulfillment of these responsibilities lies in the uses we make of the gifts God has given.

Why should anyone be concerned about this? Because of mankind’s past and present track record. Human history is telling. Recall Solomon’s declaration in Ecclesiastes 7:29: “Truly, this only have I found: that God made man upright, but they have sought out many schemes.” Gifts freely given, even gifts from God, are not always used well by the recipients. An obvious example is that people can examine their own lives and the earth itself and not discern the Creator as the Giver of these awesome gifts. Rather than declaring the glory of God’s bountiful mercies in even these obvious gifts, they loudly proclaim that all of creation arose from nothing and proceed to ignore the Giver, doing as they good and well please!

Why is this so? Romans 8:6-8 reminds us: “For to be carnally minded is death, but to be spiritually minded is life and peace. Because the carnal mind is enmity against God; for it is not subject to the law of God, nor indeed can be. So then, those that are in the flesh cannot please God.” Under the influence of the arch-deceiver, Satan, mankind has been persuaded that God, the Giver of every good and perfect gift, is the enemy. So, like Eve and then Adam, we are turned against God until He personally and mercifully intervenes with more gifts to help us escape our confusion.

An Additional Blessing, the Sabbath

As the sixth day ended, the creation week was not yet complete. One more day and a major blessing remained to be given to mankind to aid it in accomplishing God’s purpose for all. Genesis 2:1-3 states:

Thus the heavens and the earth, and all the host of them, were finished. And on the seventh day God ended His work which He had done, and He rested on the seventh day from all His work which He had done. Then God blessed the seventh day and sanctified it, because in it He rested from all His work which God had created and made.

God created the Sabbath by resting on it and sanctified it as a blessing for mankind to observe in a similar fashion. God did not need to rest because He had grown tired, as we humans do. We are assured in Psalm 121:4, “He who keeps Israel shall neither slumber nor sleep.” He rested as an example to us, showing what we must do on the seventh day, as well as to sanctify it as a special day to accomplish His purposes in creating us.

He did not do this for any other day. The Sabbath is part of the Ten Commandments, and as nearly the middle commandment, functions as a bridge between the law’s two parts. It is the only one of the ten directly mentioned in this covenant, even though others are certainly implied when Adam and Eve sinned.

Why has observance of this day fallen into such disrepute? It is not only disregarded by most, but even hated within some circles of the “Christian” world, as if keeping it is a curse. Though many do not necessarily hate it, they make no effort to observe it despite God singling the seventh day out as different from the other six days. The reason for this disregard is that, because it is so vital to our Creator’s overall purpose, Satan has gone to great lengths to obscure its value.

Jesus states unequivocally in Mark 2:27, “The Sabbath was made for man, and not man for the Sabbath.” The Sabbath, a special creation, was made for the benefit of mankind. He did not make it only for the Israelites, who did not even exist when He created it. Jesus uses “man” here to stand for all humanity beginning with Adam and Eve, not just one particular group or race or family of people. Jesus would certainly understand this, as He was the One who created the day for mankind (Colossians 1:15-19).

God specifically identifies Himself with no other day of the week. In Ezekiel 20:12-24, He specifically calls them “My Sabbaths” six times. He does not refer to them as belonging to Israel but to Himself. He also identifies Himself with those who keep the day:

And the Lord spoke to Moses, saying, “Speak also to the children of Israel, saying; surely My Sabbaths you shall keep, for it is a sign between Me and you throughout your generations, that you may know that I am the Lord who sanctifies you. You shall keep the Sabbath, therefore, for it is holy to you. Everyone who profanes it shall surely be put to death; for whoever does any work on it, that person shall be cut off from among his people. Work shall be done for six days, but the seventh is the Sabbath of rest, holy to the Lord. Whoever does any work on the Sabbath day, he shall surely be put to death. Therefore the children of Israel shall keep the Sabbath, to observe the Sabbath throughout their generations as a perpetual covenant. It is a sign between Me and the children of Israel forever; for in six days the Lord made the heavens and the earth, and on the seventh day He rested and was refreshed.” (Exodus 31:12-17)

His statement explicitly establishes non-observance of the Sabbath as sin, and the wages of sin is death (Romans 6:23)!

God sanctified or hallowed the seventh day, the Sabbath. It takes a holy God to make holy time, and He made no time holy other than His Sabbaths. Though people can be made holy by God, they cannot make something holy because they do not possess a holiness that can be transferred to anything else. Since only a holy God can hallow something, any day other than what God has made holy—even though billions of people may proclaim it to be holy—cannot be holy time. It is utterly impossible. No day can be holy except the one God made holy.

This means that the Sabbath is worthy of respect, deference, and even devotion that cannot be given to other periods of time. It is set apart for sacred use because it is derived directly from Him and made holy at creation. Because of God’s assignment of the word “holy” to the Sabbath, this day is changed into something special. Even though it is a part of the cycle of the week, the Sabbath is separate from the other six days. It is different from the common or ordinary. The other six days are common, given for the pursuit of the ordinary things of life. The Sabbath is a day God has reserved for man’s benefit for special things, different things—spiritual things.

The Sabbath is not holy merely because God assigned it as such, though by itself, if we truly fear Him, that should be enough. How do things become holy, even things like the soil of the ground, or in this case, time? The Bible shows they become holy because He puts His presence in them. By the fact of His presence, they become a spiritual creation. God’s presence is in the weekly Sabbath as well as in the annual Sabbaths, which He also created and made holy for the spiritual guidance of those He has a relationship with.

Luke writes, “So [Jesus] came to Nazareth, where He had been brought up. And as His custom was, He went into the synagogue on the Sabbath day, and stood up to read” (Luke 4:16). Jesus kept the weekly Sabbath as well as the annual Sabbaths (see John 7:2, 10). The book of Acts reports the apostle Paul and the New Testament church keeping the weekly and annual Sabbaths, even Gentiles.

Nothing in the Bible changes the day God set aside and made holy at creation. The Catholic Church publicly lays claim to changing the day of worship to Sunday and charges the Protestant churches with following their lead. Can the Catholic Church make anything holy?

Everything that truly matters reveals the Edenic Covenant to be universal in application. This means that, along with everything else in that covenant God charged us to submit to, the Sabbath is still in effect. Nothing holy has been created to replace the Sabbath God created in the first week.

The Blessing of Marriage

Within the covenant, the blessing of the establishment of marriage is preceded by God preparing Adam’s mind for his need for a companion suitable to him. Notice Genesis 2:18-20:

And the Lord God said, “It is not good that man should be alone; I will make him a helper comparable to him.” Out of the ground the Lord God formed every beast of the field and every bird of the air, and brought them to Adam to see what he would call them. And whatever Adam called each living creature, that was its name. So Adam gave names to all cattle, to the birds of the air, and to every beast of the field. But for Adam there was not found a helper comparable to him.

This was no casual activity. It involved a display of the intellectual powers that God gave to Adam. God undoubtedly caused animals or groups of animals to gather for Adam to observe, study, and classify, to see what he would call them. In giving each animal group its name, Adam demonstrated his right as God’s human regent. He was given dominion over the animals, and he used that authority. Furthermore, it appears that the names Adam gave them “stuck.” They did so because he demonstrated good insight into their characteristics, and his descendants later used the names he initially gave the animals.

This exercise demonstrated to Adam that there was no one like him in the animal world. No animal was created in the image of God. If he had chosen one of them, communication and all it entails would necessarily have had to remain at the animal’s level. He was now better prepared for God’s gift of Eve. Genesis 2:21-24 records Eve’s creation and Adam’s response:

And the Lord God caused a deep sleep to fall on Adam, and he slept; and He took one of his ribs, and closed up the flesh in its place. Then the rib which the Lord God had taken from the man He made into a woman, and He brought her to the man. And Adam said: “This is now bone of my bones and flesh of my flesh; she shall be called Woman, because she was taken out of Man.” Therefore a man shall leave his father and mother and be joined to his wife, and they shall become one flesh.

The warmth and beauty of this creation is fitting, a crown on all that God had created for the man and woman to prepare them for life in the world. Adam’s response shows his pleasurable agreement with this added gift.

Feminists take issue with Scripture’s reference to Eve as a “helper” (Genesis 2:18), but there is nothing demeaning in the term. It simply means “one who helps.” God Himself is referred to as our “help” several times (see Psalm 115:10-11). Remember, Genesis 1:27 asserts, “So God created man in His own image, in the image of God He created him; male and female He created them.” With both sexes created in God’s image, neither can claim superiority.

With our knowledge of DNA, it makes perfect sense for God to have built Eve from a small portion of Adam’s body because his body already had within it every means for Eve to be his perfect female match. Adam did not know this technical, biological reality, but he was still in naming-mode after his experience with the animals. So, when he saw her he said, in effect, “She is me!” meaning she is like him, not like an animal, naming her “woman.” (In Hebrew, “man” is ish and “woman” is isha.) Each was made to be the perfect companion for the other. The concluding comment in Genesis 2:24—that a man and his wife are to become one flesh—reinforces this.

Today, marriage is not at its most stable state in our Western cultures. Yet, God’s intention is plain. When asked about divorce and remarriage, Jesus declares God’s original intent in Matthew 19:8-9:

Moses, because of the hardness of your hearts, permitted you to divorce your wives, but from the beginning it was not so. And I say to you, whoever divorces his wife, except for sexual immorality, and marries another, commits adultery; and whoever marries her who is divorced commits adultery.

Mankind’s marriage problems do not stem from God’s creation of the institution. They lie in the hardness of heart of both men and women.

Jesus’ clear statement is the reality that the modern demand for “equality”—especially from feminists—opposes, and such opposition affects the stability of marriages to such an extent that more than a third of all marriages end in divorce. Some remarry and divorce several times, throwing both family life and society into turmoil. The entire culture is badly fractured.

Feminist anger over God's making Eve for Adam reveals that they are anti-God in their outlook on marriage. They forget, or conveniently overlook, that Adam was made for Eve too, and in addition, that she was made from man, meaning that she was part of him. Genesis does not suggest in any way that she was created as man’s servant. Adam himself perceived her as a delightful companion.

Are men and woman equal? The answer depends on the particular context. Generally, they are not equal in physical feats of strength, for instance, but they are equal in many ways, especially in mental and spiritual terms. Both are created in the image of God, which starts them on the path to being fit companions for each other. Both are under moral responsibility to God. No place in Scripture states either a man’s or a woman’s sins are the worse. Both men and women are recipients of God’s grace and can be forgiven by the blood of Jesus Christ. Both are equal in terms of being offered salvation and receiving eternal life and reward in God’s Kingdom.

The true cause of marital problems lies in the ignorance of both men and women of their responsibilities within a marriage. Compounding this is another reality: the self-centered, carnal character of each personality involved. These two factors—ignorance of responsibility and selfish carnality—result in multitudes of mistakes and misapplications in many areas of the relationship, creating discouragement and anguish rather than satisfaction and joy, as God intended.


1 Peter 4:10

The Greek word translated "minister" is diakonos, which is sometimes translated "deacon." It is most frequently rendered either "minister" or "servant."

Every Christian has received some gift in trust from God to be held and used for the benefit of the whole church. The gifts may vary widely, but the ministry or the service of each is to be according to the character of the gift. As in Paul's body analogy, the finger does not do the same job as the toe, but the fingers are a gift to the body so that the body can function. However, the toes are also a gift to the body so it can function better in another area. It contributes its part to the well being of the body, but it does not have the same characteristics as a finger does—or the nose, ears, eyes, or mouth.

Everybody has been given gifts by God, and He has given them to the person so that he can serve the Body, allowing the Body to function better than it would have otherwise if it did not have that part, or that gift.

We are to do this as a steward, and above all things, a steward must be faithful. One cannot be faithful unless he has faith. This is where faithfulness begins—with faith, with a belief. Then we carry through. As we minister the gift to the Body of Christ, we become faithful—reliable, trustworthy, responsible—in carrying it out. Thus, each Christian is responsible to follow through faithfully in his service to the brethren.

William Barclay's translation of I Peter 4:10 reads:

As each has received a gift from God, so let all use such gifts in the service of one another, like good stewards of the grace of God.

A good steward is a faithful steward. A good steward, or a good servant, is one who follows through with his responsibility. Being a faithful steward of God's gifts can at least appear to be a discouraging responsibility, given our knowledge of how weak we are, but we will never be faithful if our beliefs are or remain mere preferences. We must be convicted of the rightness of what we believe, or we will never be faithful.


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