All posts by John (Manager)

Parables, Plan Carefully and Seek Wise Advice

A Wise Man Will Hear and Increase in Learning

Who among us believes it foolish to seek wise counsel from those who have experienced the same things in life that we now face? Not me. Quite the contrary, I value advice from others who have already experienced the challenges I face. We must carefully discern who is providing wise counsel and who is providing only loud opinions… but once we do we can feast on the wisdom they share and seek to apply it to our lives.

Scripture tells us that Solomon received a gift of great wisdom from God. He used it to lead God’s people and govern a prosperous nation.  People came from near and far to hear his wisdom.

1 Kings 4:29    29Now God gave Solomon wisdom and very great discernment and breadth of mind, like the sand that is on the seashore. 30Solomon’s wisdom surpassed the wisdom of all the sons of the east and all the wisdom of Egypt. 31For he was wiser than all men, than Ethan the Ezrahite, Heman, Calcol and Darda, the sons of Mahol; and his fame was known in all the surrounding nations. 32He also spoke 3,000 proverbs, and his songs were 1,005. 33He spoke of trees, from the cedar that is in Lebanon even to the hyssop that grows on the wall; he spoke also of animals and birds and creeping things and fish. 34Men came from all peoples to hear the wisdom of Solomon, from all the kings of the earth who had heard of his wisdom.

We have it available to us in the book of Proverbs in the Bible. How much easier for us to learn from him than even those of his own time! What good reason would we have to avoid reading what Solomon wrote and considering how to apply it in our lives? It is free and we can test what he says for ourselves.

Proverbs 1:1-7

The Usefulness of Proverbs

      1The proverbs of Solomon the son of David, king of Israel:

      2To know wisdom and instruction,
To discern the sayings of understanding,

      3To receive instruction in wise behavior,
Righteousness, justice and equity;

      4To give prudence to the naive,
To the youth knowledge and discretion,

      5A wise man will hear and increase in learning,
And a man of understanding will acquire wise counsel,

      6To understand a proverb and a figure,
The words of the wise and their riddles.

      7The fear of the LORD is the beginning of knowledge;
Fools despise wisdom and instruction.

Solomon covers a lot of ground for how to improve our life in interacting with other people and with God. Much of it applies specifically to finances as well. To begin with we should recognize that to become wise, in any area, we must first admit we do not have all the answers and we can learn from others. If we stubbornly believe we already have all the answers than we will get no wiser because we will reject or not listen to the wisdom others share with us. If we admit we have more to learn and we seek wise counsel we will increase in learning.

   5A wise man will hear and increase in learning,
And a man of understanding will acquire wise counsel,

Two more fundamental building block for a solid foundation on growing in wisdom are captured in verse 7.

      7The fear of the LORD is the beginning of knowledge;
Fools despise wisdom and instruction.

Honoring and obeying God is not just “something we do”, like going to church or praying or doing a Bible Study. Obeying God is “a way of doing everything”. Respecting, loving, and yes fearing God is the beginning of knowledge. From this foundation we can gain much wisdom.

Finally, we must admit that those who despise wisdom and instruction are quite plainly fools. Those who refuse wise counsel will remain fools. Let us strive to not be that fool, but instead remain humble enough to listen thoughtfully to advice from God, plainly available in scripture, and to advice from others whom we discern as having credible wisdom. That is how we grow wiser… and wiser… all the days of our lives.

Challenge yourself… are you listening to and considering God’s advice? the advice of others?

—-

Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Control Debt, Control Spending, Generate Income, Greed, Investing, Optimizing Life, Treasures In Heaven

Contentment Is Essential for Financial Success

Financial success is not to be measured against an absolute standard of money earned or by comparison of net worth to others. There is always someone with more money. Financial success is achieved by matching our resources to our needs and desires while we humbly live for God and serve others. Finding contentment rather than coveting what others have is essential for finding this success. Then we are free to find our joy through relationship with Jesus Christ, who promises never to desert us.

Ecclesiastes 3:12 I know that there is nothing better for them than to rejoice and to do good in one’s lifetime;

Hebrews 13:5 Make sure that your character is free from the love of money, being content with what you have; for He Himself has said, “I WILL NEVER DESERT YOU, NOR WILL I EVER FORSAKE YOU,”

The United States of America is a wealthy nation. By global standards even many considered to have low income in the USA are relatively wealthy. Despite this relative wealth, most consider themselves to be living day-to-day or month-to-month. They genuinely feel that they are barely getting by. There is insufficient planning for the future, insufficient savings and little investment. There is much coveting and little contentment.

We could double the money everyone is earning, and I dare say the broad results would be largely unchanged. Many people would have more stuff they want (and do not need) but would be no better prepared for the future and still be unsatisfied because they don’t know how to be content.

For those who cannot find contentment with what they have, they may never have enough. There is always the potential to have more. The ability or willingness to be content provides a foundation for satisfaction in achieving personal success.

Of course, contentment should not be confused as an endorsement to be lazy. Instead, in proper context, contentment provides important balance in managing your work hours required to generate income, controlling spending and debt, in how you select your investing strategies… and opens wide the door toward giving to others and serving God.

—-

Remember that all you have belongs to God. Manage your money God’s way. Visit

Plan Carefully and Seek Wise Advice

Find a Financial Mentor You Can Trust

Each of us has the potential to have certain “blind spots” in developing or executing our personal financial strategy. For some it may be in developing skills or applying themselves to earn money. Many have a blind spot for spending without a budget or blowing the budget by overspending even if they have one. Still others have blind spot in long term planning or in how to honor God by what they give to others.

Finding a mentor or mentors you can trust in these areas can be very helpful, in some cases crucial, for success. When choosing a mentor, look at their life and finances to see if it reflects what you are pursuing for your life. Don’t just pick someone who has a lot of money but has made a wreck of their family life. Pick someone that represents the result or outcome you wish to achieve.

If you don’t already have someone you know that would fit this description, consider getting involved in your community or local church to develop relationships with the type of people you admire and want to be like.  Invest in developing a relationship with them. Get to know them. Let them get to know you.

Once you have established this relationship you probably want to ask them directly about being a mentor or accountability partner for your personal finances. Make sure they are ok making that commitment so they can put the proper time toward it.

You do not have to involve them in every detail but can have even general discussion that can help you get an unbiased “cold eyes” assessment of your plan and execution of your financial strategy. They can help you see more clearly where on your own you had a blind spot.

For a simple example… let’s assume Peter is trying to get out of debt and stick to a budget. Peter has always accepted that having over $100 / month spend on television programming is not only normal, but necessary. He may continually overlook this as an item he could cut from his spending. When he talks to Paul, Paul recognizes this is a “want” and not a “need” and can help challenge Peter to target spending reductions in that area. In this case, Paul is more objective to the decision, where Peter may be biased because he really likes to watch lots of TV. Peter finds a solution by signing up for a streaming service which replaces his expensive TV programming for less than half the cost.

Mentors that you trust and that have demonstrated the results you want for yourself in their own lives can be very helpful to involve in our financial plans and strategies.

—-

Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Greed, Optimizing Life, Treasures In Heaven

Seek First His Kingdom Rather Than Your Own

When we truly seek and listen to Jesus, our view on the world will often get turned upside down. Man so commonly thinks that if I take care of my finances first, I can tackle anything else that comes my way. It is easy to focus on money first and put family or God on the backburner without even doing so on purpose. It just sort of happens gradually. Most of us never really set up even a steady target of what is “enough”. Those who make money, can make more and keep pursuing it.

Jesus calls us to seek first His kingdom rather than our own. By putting Him first, all else will be put in its rightful place.

Luke 12:13-34

Covetousness Denounced

     13Someone in the crowd said to Him, “Teacher, tell my brother to divide the family inheritance with me.” 14But He said to him, “Man, who appointed Me a judge or arbitrator over you?” 15Then He said to them, “Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions.” 16And He told them a parable, saying, “The land of a rich man was very productive. 17“And he began reasoning to himself, saying, ‘What shall I do, since I have no place to store my crops?’ 18“Then he said, ‘This is what I will do: I will tear down my barns and build larger ones, and there I will store all my grain and my goods. 19‘And I will say to my soul, “Soul, you have many goods laid up for many years to come; take your ease, eat, drink and be merry.”’ 20“But God said to him, ‘You fool! This very night your soul is required of you; and now who will own what you have prepared?’ 21“So is the man who stores up treasure for himself, and is not rich toward God.”

      22And He said to His disciples, “For this reason I say to you, do not worry about your life, as to what you will eat; nor for your body, as to what you will put on. 23“For life is more than food, and the body more than clothing. 24“Consider the ravens, for they neither sow nor reap; they have no storeroom nor barn, and yet God feeds them; how much more valuable you are than the birds! 25“And which of you by worrying can add a single hour to his life’s span? 26“If then you cannot do even a very little thing, why do you worry about other matters? 27“Consider the lilies, how they grow: they neither toil nor spin; but I tell you, not even Solomon in all his glory clothed himself like one of these. 28“But if God so clothes the grass in the field, which is alive today and tomorrow is thrown into the furnace, how much more will He clothe you? You men of little faith! 29“And do not seek what you will eat and what you will drink, and do not keep worrying. 30“For all these things the nations of the world eagerly seek; but your Father knows that you need these things. 31“But seek His kingdom, and these things will be added to you. 32“Do not be afraid, little flock, for your Father has chosen gladly to give you the kingdom.

      33“Sell your possessions and give to charity; make yourselves money belts which do not wear out, an unfailing treasure in heaven, where no thief comes near nor moth destroys. 34“For where your treasure is, there your heart will be also.

This is a challenging principle, but a very important one. Ask God to help you focus on putting Him first, ahead of finances. Trust in Him to provide everything else according to His judgment.

—-

Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Greed, Optimizing Life, Treasures In Heaven

For What Is a Man Profited if He Gains the Whole World, and Loses or Forfeits Himself?

From time to time, I hear people quoting famous money managers or people in business, such as Warren Buffet. These nuggets of wisdom can be valuable. How much more valuable to hear from our LORD and King on our financial strategy! However, sometimes the advice is a bit different than we expect to hear…

Luke 9:25

25“For what is a man profited if he gains the whole world, and loses or forfeits himself?

This is a simple statement, but how true to help us keep our ultimate goals in perspective. How about another one for those of us who are convinced we can capture all we dream of by making money?

Luke 9:24

    24“For whoever wishes to save his life will lose it, but whoever loses his life for My sake, he is the one who will save it.

Some will dismiss it as nonsense because they do not have eyes to see. However, for those of us whom the Holy Spirit guides we can see much more in this statement. We must lay down our own selfish desires and plans and submit to Christ. By submitting to Him we will find true life through Christ.

John 14:6

6Jesus said to him, “I am the way, and the truth, and the life; no one comes to the Father but through Me.

If we strive and struggle to save our live… our desires and plans… our vision for life… then we will lose it, chasing all the wrong things.

Psalm 46:10

10“Cease striving and know that I am God;
I will be exalted among the nations, I will be exalted in the earth.”

Let us put Christ first. Putting Him first means we will choose sometimes the path that is difficult in this wicked world. We must “pick up our cross daily and follow [Jesus]”. The cross was hard, brutal in fact, but above all, selfless and devoted to the Father’s will.

Luke 9:23-27

    23And He was saying to them all, “If anyone wishes to come after Me, he must deny himself, and take up his cross daily and follow Me. 24“For whoever wishes to save his life will lose it, but whoever loses his life for My sake, he is the one who will save it. 25“For what is a man profited if he gains the whole world, and loses or forfeits himself? 26“For whoever is ashamed of Me and My words, the Son of Man will be ashamed of him when He comes in His glory, and the glory of the Father and of the holy angels. 27“But I say to you truthfully, there are some of those standing here who will not taste death until they see the kingdom of God.”

Let us proclaim our love for Him and His love for us. Let us not be ashamed of Him before men. There are serious consequences to this. Jesus, Himself, says He will deny before the Father those who deny Him before men. Don’t rush over that statement. Pause on it and reflect. Are you acknowledging Jesus publicly and broadly? or are you silent, trying not to offend those who reject Him?

Let us put Christ first rather than all the things that the world tells us to chase, even when it seems hard.

Matthew 6:33

33“But seek first His kingdom and His righteousness, and all these things will be added to you.

Truly what good is it to have all the selfish desire we may want in this world… to succeed beyond the wildest imagination of the worldly… if we lose our relationship with Christ and end up without Him in this world and eternity beyond?

Luke 9:25

25“For what is a man profited if he gains the whole world, and loses or forfeits himself?

—-

Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Diversification

Diversify Your Investments

All of us inherently already know that we should diversify our investments. We grow up as children hearing such phrases as “Don’t put all your eggs in one basket.” If we recognize risk to any significant degree and act with some amount of humility that a decision, we make may actually not work out… we know already that we should spread out our risk when we manage our money. Solomon highlights this principle in Ecclesiastes.

Ecclesiastes 11:2  Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.

There are many asset classes to consider in order to diversify your investments. You are not limited to the stock market, though it can be an important part of a diversified investment plan.

  • Cash Equivalents include savings accounts, certificates of deposit, and other similar investments which offer a fixed rate of return. Most are insured by the Federal Deposit Insurance Corporation (FDIC) and are considered low risk.
  • Fixed Income includes investments like bonds in which you loan money to a government or business, and they agree to pay it back at a specified time with a specified interest, or return, on the loan.
  • Stocks represent investment in specific companies or across many companies. When investing in stocks it is important to actively do your homework. Those who do not have a lot of time to invest personally should consider diversifying within stocks through use of mutual funds or exchange traded funds (ETFs).
  • Real Estate includes any home or property you have purchased to live in/on, as these also go up or down in value over time.
  • Precious Metals / Commodities include physical assets like gold or silver or copper. They inherently have value that has been demonstrated consistently over time, though it may fluctuate up and down like other investments.

Even within a particular asset class you can diversify. For example, let’s assume you have $10,000 to invest in certificates of deposit (CDs). Instead of investing all of it in one CD with a duration of 2 years, you may consider separating it across multiple CDs perhaps with a “ladder” structure that has one maturing in 1 year, a second maturing in 3 years, and a third maturing in 5 years. You may even diversify further by getting CDs at different banks, though it may not be necessary if they are FDIC insured.

For a similar example with bonds, you would consider not putting all your funds in the same bond. You may consider getting some government and some corporate bonds… or invest in a bond fund or across two bond funds to diversify further. You could invest in bonds with different maturity dates.

Diversification helps to manage your risk and return. A diversified portfolio will not always get the highest returns, but neither does it get the lowest returns or carry as much risk toward losing your initial investment. Diversification is important across multiple asset classes but is also important within any one asset class.

—-

Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Ethics, Greed, Optimizing Life

Reconcile with Both God and Man

Our culture emphasizes selfishness and coveting what others have so much, it becomes quite easy for many to rationalize taking advantage of others financially. Some may steal outright. Others may borrow and not pay back. Still others may just deceive someone for personal gain. As followers of Christ, we do not want to follow these practices. If we find that we have done so, let us make haste to reconcile with both God and man.

We have been called to love God and love one another.

Matthew 22:35-40

35One of them, a lawyer, asked Him a question, testing Him, 36“Teacher, which is the great commandment in the Law?” 37And He said to him, “ ‘YOU SHALL LOVE THE LORD YOUR GOD WITH ALL YOUR HEART, AND WITH ALL YOUR SOUL, AND WITH ALL YOUR MIND.’ 38“This is the great and foremost commandment. 39“The second is like it, ‘YOU SHALL LOVE YOUR NEIGHBOR AS YOURSELF.’ 40“On these two commandments depend the whole Law and the Prophets.”

If or when we find we have sinned against someone with regards to finances, let us take action to reconcile with them and with God.

Leviticus 6:1-7

Guilt Offering

      1Then the LORD spoke to Moses, saying, 2“When a person sins and acts unfaithfully against the LORD, and deceives his companion in regard to a deposit or a security entrusted to him, or through robbery, or if he has extorted from his companion, 3or has found what was lost and lied about it and sworn falsely, so that he sins in regard to any one of the things a man may do; 4then it shall be, when he sins and becomes guilty, that he shall restore what he took by robbery or what he got by extortion, or the deposit which was entrusted to him or the lost thing which he found, 5or anything about which he swore falsely; he shall make restitution for it in full and add to it one-fifth more. He shall give it to the one to whom it belongs on the day he presents his guilt offering. 6“Then he shall bring to the priest his guilt offering to the LORD, a ram without defect from the flock, according to your valuation, for a guilt offering, 7and the priest shall make atonement for him before the LORD, and he will be forgiven for any one of the things which he may have done to incur guilt.”

If you have sinned against someone in this way, first stop sinning. Then do not delay in reconciling with both God and man.  This will move you forward into a deeper relationship with the Lord even if it causes you to face some uncomfortable accountability for your past actions.

—-

Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Ethics, Greed, Optimizing Life, Plan Carefully and Seek Wise Advice, Treasures In Heaven

What Guidance Does God Provide for Finances?

God has a lot to say about wisdom and folly, righteousness and wickedness in His word. Proverbs, in particular, is filled with wisdom that applies as much today as it did when Solomon wrote it thousands of years ago. Human nature has not changed and neither has application of God’s word for how we are to deal with our fellow man.

Let us explore some of what God has said in Proverbs 11 that pertains to finances. I have included a link to reference to the whole scripture but pulled out some selected verses that are more directly relevant to finances. We can walk through them together.

Proverbs 11

1A false balance is an abomination to the LORD,
But a just weight is His delight.

God clearly calls us to be treat one another as we would want to be treated. Be just and fair. Note the emphasis revealed through scripture… God is not just academically identifying right and wrong, but actually considers one an abomination and the other to bring delight! It matters to God and thus it should matter to us.

2When pride comes, then comes dishonor,
But with the humble is wisdom.

Let us not act in such a way as to honor ourselves or make ourselves feel better than others, but rather seek humility and seek to honor the Lord and treat others with respect.

3The integrity of the upright will guide them,
But the crookedness of the treacherous will destroy them.

Knowing and following God’s way provides a clear path to righteousness. Temptation of the flesh often tempts us to go the way of the world, but God wants us to live His way. When we pursue deceit and treachery, it will consume us and we will find no lasting satisfaction or joy.

4Riches do not profit in the day of wrath,
But righteousness delivers from death.

There is no amount of riches that will mean anything when it is time for us to leave this world and face judgment before God. Only our right relationship with God will matter. Why give that up just to try to get a few dollars more or even a lot of dollars more?

5The righteousness of the blameless will smooth his way,
But the wicked will fall by his own wickedness.

6The righteousness of the upright will deliver them,
But the treacherous will be caught by their own greed.

In business as in life, a righteous lifestyle of godly attitudes and behavior will take us closer to God and bring much success. Greed is an empty pit which can never be filled, it will consume you and dominate your life if left unchecked or worse, embraced.

14Where there is no guidance the people fall,
But in abundance of counselors there is victory.

In personal finances, whether budgeting or reducing debt or investing, do not try to do it all alone as if you have all the answers. Seek good counselors to help you! Seek firm guidance from God and those who have already experienced and overcome the challenges you face today.

15He who is guarantor for a stranger will surely suffer for it,
But he who hates being a guarantor is secure.

It is unwise to be a guarantor for someone you do not know. How can you trust them? Do not lend what you are not willing to give.

17The merciful man does himself good,
But the cruel man does himself harm.

18The wicked earns deceptive wages,
But he who sows righteousness gets a true reward.

Show mercy to others as you would like to receive yourself. Avoid cruelty. Treat others as you would like to be treated. You may think you get ahead with deceit and wicked schemes, but it brings much emptiness and trouble along with the ill-gotten gain.

24There is one who scatters, and yet increases all the more,
And there is one who withholds what is justly due, and yet it results only in want.

25The generous man will be prosperous,
And he who waters will himself be watered.

26He who withholds grain, the people will curse him,
But blessing will be on the head of him who sells it.

Be generous in helping others and give the glory to God. Bless others in His name and watch as the blessings flow into your own life. The blessings will almost surely outweigh what you gave, though it is not necessarily dollars that God gives you but rather joy and closer relationship with Him!

28He who trusts in his riches will fall,
But the righteous will flourish like the green leaf.

Trust not in money and wealth, but in God, Himself, and you will flourish.

It is not right or helpful to say “I was born this way” as an excuse to continue in wickedness or foolishness. To remain in foolishness does not improve our situation, does it? It does not help us manage our money or our lives more effectively, does it?

We are all born to sin and selfishness. No one needs to teach a child to grab or demand something for themselves or hit someone when they are angry, but we certainly need to teach them to forgive and share and think of others. We can say that an alcoholic may be born with a tendency to become addicted to alcohol but do we not encourage them to turn from it and overcome that sin rather than embrace it and accept it? Of course! So it is also with other sins.

We must be careful to look to God’s definition of sin, of right and wrong, rather than the world’s definition. If we follow a broken compass, will we not get lost?

Each of us must decide if we will take the difficult, narrow path that leads to Jesus or if instead we will stay on the wide, easy path that leads to eternal separation from God… following our own selfish desires and the deception of Satan.

I pray as many as will hear the good news of the gospel of Jesus Christ will accept it and travel the narrow path.

—-

Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Treasures In Heaven

How We Give Is a Reflection of What We Value

God does not need our money. It is not because He needs to buy something that He calls us to give. He calls us to give, and give generously, to challenge us to pursue God wholeheartedly. How we give is a reflection of what we value. We are to seek first the kingdom of God, rather than pursue money as priority.

Mark 12:41-44

The Widow’s Mite

      41And He sat down opposite the treasury, and began observing how the people were putting money into the treasury; and many rich people were putting in large sums. 42A poor widow came and put in two small copper coins, which amount to a cent. 43Calling His disciples to Him, He said to them, “Truly I say to you, this poor widow put in more than all the contributors to the treasury; 44for they all put in out of their surplus, but she, out of her poverty, put in all she owned, all she had to live on.”

Jesus did not measure the gift by the absolute value of the coins. Instead, He valued it by the sacrifice and therefore the reflection of the heart and its priority seeking God over self.

If you have much, ask yourself if you are giving only from surplus or truly honoring God with what you have. You do not need to go give away everything you have… if you do that how can you continue to help others as you find them in need. However, challenge yourself to test your heart and your attitude as you choose to give to help others in a way that honors God.

If you have little, remember that God appreciates and deeply values when you give from your poverty to help others or serve Him. There is no such thing as “too little a gift to make a difference”. God knows all and appreciates the gift and your sacrifice.

—-

Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Ethics, Taxes

What Did Jesus Say About Paying Taxes?

What did Jesus say about paying taxes?

Jesus knew the Pharisees and Herodians were trying to trap Him when they asked Him about taxes, but He took the opportunity to deflect their trap and lay out  straightforward guidance for all of us.

Mark 12: 13-16

Jesus Answers the Pharisees, Sadducees and Scribes

      13Then they sent some of the Pharisees and Herodians to Him in order to trap Him in a statement. 14They came and said to Him, “Teacher, we know that You are truthful and defer to no one; for You are not partial to any, but teach the way of God in truth. Is it lawful to pay a poll-tax to Caesar, or not? 15“Shall we pay or shall we not pay?” But He, knowing their hypocrisy, said to them, “Why are you testing Me? Bring Me a denarius to look at.” 16They brought one. And He said to them, “Whose likeness and inscription is this?” And they said to Him, “Caesar’s.” 17And Jesus said to them, “Render to Caesar the things that are Caesar’s, and to God the things that are God’s.” And they were amazed at Him.

Clearly Jesus did not agree with everything the Romans were doing, but He still gave guidance to pay the taxes to Caesar. Some may speculate that He was just deflecting the trap question, but Jesus never provided a wrong answer just to avoid a trap. He always took the opportunity to address the trap and make a point on the right way of doing things also.

For those who need more convincing… the Bible has it.

Romans 13:1-7

Be Subject to Government

      1Every person is to be in subjection to the governing authorities. For there is no authority except from God, and those which exist are established by God. 2Therefore whoever resists authority has opposed the ordinance of God; and they who have opposed will receive condemnation upon themselves. 3For rulers are not a cause of fear for good behavior, but for evil. Do you want to have no fear of authority? Do what is good and you will have praise from the same; 4for it is a minister of God to you for good. But if you do what is evil, be afraid; for it does not bear the sword for nothing; for it is a minister of God, an avenger who brings wrath on the one who practices evil. 5Therefore it is necessary to be in subjection, not only because of wrath, but also for conscience’ sake. 6For because of this you also pay taxes, for rulers are servants of God, devoting themselves to this very thing. 7Render to all what is due them: tax to whom tax is due; custom to whom custom; fear to whom fear; honor to whom honor.

It is ok to work lawfully to reduce the tax burden. Governments usually waste money badly. Often they spend on things which may not honor God. However, just refusing to pay is not the guidance that Jesus provided for His people. Also let us not take Romans 13 out of context… we are not to blindly obey government when it conflicts with the instructions of God. There are plenty of examples, such as that of Daniel, Shadrach, Meshach, and Abednego, where they disobeyed unrighteous government commands because they conflicted with God’s instruction. However, paying taxes does not conflict with the instructions of God.

—-

Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .