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How to Honor God with Your Money

February 21, 2025 By Peter Krol

Tilemahos Efthimiadis (2006), Creative Commons

For the last few weeks, we’ve been studying what Proverbs says about easy money.

Believe it or not, trusting in Jesus will actually improve your money management. When you’re not so concerned about wealth, you can treat it rightly. If it’s not your hope and security, you can use it as a tool. You can afford to lose it. You can risk giving it away or sharing it with others. You can put it to work to gain more so you can give more. Here are some ways you can serve God and love others with your money.

Make a budget. (See Prov 27:23-27.) In a time of sanity and thoughtfulness, plan out how you think God would want you to use your money. A budget helps set bounds on greed by defining reasonable guidelines for spending.
Get counsel on your budget. (See Prov 15:22.) Find a wise person whom you trust. Ask him or her to look at your plan and give you fresh insight on the wisdom of it. Few sins are as blinding as greed (Matt 6:19-23), so an unbiased set of eyes can help reflect reality.
Track your budget. Your plan does you no good unless you daily keep track of whether you’re following it or not. Keep all your receipts. Develop a system for recording them and measuring whether your spending is within the bounds of your plan.
Consider setting a minimum percentage of your income for giving. That way, as your income increases, your giving will increase as well. As income increases, it’s likely you can also increase the percentage you give away.
Save for your children. (See Prov 13:22.) Even if you don’t have any yet, it can help you take your eyes off yourself if you set aside money designated for future generations.
Save to give. You can’t predict the future, so you won’t be able to anticipate many needs. Consider regularly setting money aside with the intention of giving it away as God brings unforeseen needs to your attention.
Claim all your tax credits and deductions. It might sound strange, but many people don’t do it! For example, did you know that, in the U.S., you might not have to pay tax on money you donated to qualified charitable organizations, including your church? Check out the IRS Guidelines or talk to a financial adviser for more information. If the governing authorities are willing to exempt you from some taxes, why not take them up on it so you have more with which to serve others?

As Bruce Waltke puts it, “Sinners love wealth and use people; saints love people and use wealth to help others.”[1] The latter is what Jesus did for us. His Spirit is now in us, empowering us to do the same to the glory of God.

What ideas do you have about how reject easy money and honor God with your resources?

[1] Proverbs 1-15, p.193. (affiliate link)

This post was first published in 2012.

Easy Money is Self-Destructive

February 14, 2025 By Peter Krol

Easy money will keep you from being wise because it turns you from the Lord to focus on yourself. And self-focus is ultimately self-destructive: Easy money “takes away the life of its possessors.”

Such are the ways of everyone who is greedy for unjust gain;
It takes away the life of its possessors (Prov 1:19, ESV).

Remember how to get started on the path of wisdom? “The fear of the Lord is the beginning of knowledge” (Prov 1:7). If we desire to be wise, we begin by focusing on the Lord, continue by focusing on the Lord, and end with focusing on the Lord. We must admit our weakness, own our failure, and trust in Jesus for life and security. He rewards us with wisdom, instruction, righteousness, discretion, and attractiveness.

We forfeit all these gains when we turn inward. We begin to doubt God’s Word. We think that Jesus is neat and all, but he can’t really help us in the trenches of life. What we really need is a more diversified portfolio to protect us from a recession. Then we get proud in our choices, confident with the future, and less needy for a Rescuer. We lose the trust of those we care about the most, and we never really obtain stable lives.

“Uranium” (2008) Marcin Wichary, shared under Creative Commons Attribution License

Solomon’s conclusion is that easy money “takes away the life of its possessors.” It is like a bar of uranium that looks so shiny and pretty. It has a lovely glow about it, and might be nice to touch. But the closer I get to it, the more it harms me.

That’s why Jesus came to break the cycle of sin and misery and lead us to God. Our greatest financial need is not for better money management, but for rescue. “For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich” (2 Cor 8:9). Our hearts constantly entice us to find our community and security in wealth, so Jesus gave up all his wealth to bring us lasting security and community with him.

Don’t buy it. It’s not worth it. Next week, I’ll give some practical tips on how you can reject easy money and pursue wisdom instead.

This post was first published in 2012.

No Good Tree Bears Bad Fruit

February 10, 2025 By Ryan Higginbottom

Birgit (2017), public domain

Jesus was a master of metaphor and illustration. Camels fitting through the eye of a needle! A woman turning her house upside down because of a lost coin!

He also spoke of trees and fruit. If you’ve been around the church, you’ve probably heard the saying, “no good tree bears bad fruit.”

So, what does this phrase mean?

Jesus the Preacher

While we hear much from Jesus in the Gospels, we must concede that Jesus preached far more sermons than the Gospel writers recorded. He likely talked with his disciples, preached to the crowds, or taught in the synagogues most every day of his adult ministry.

“Now there are also many other things that Jesus did. Were every one of them to be written, I suppose that the world itself could not contain the books that would be written” (John 21:25).

The phrase “no good tree bears bad fruit” shows up twice in the Gospels, in Matthew 7:18 and Luke 6:43. (The ESV translates the phrase in Matthew as “a healthy tree cannot bear bad fruit.”) This is one of several similarities between Jesus’s sermons in Matthew 5:2–7:27 and Luke 6:20–49. Matthew’s account has been called the “Sermon on the Mount,” and many have assumed that Luke’s version is an excerpt from the same sermon.

But a closer look calls this assumption into question. Not all of Jesus’s sermon in Luke appears in Matthew. (The “woe” pronouncements in Luke 6:24–26 are a prime example.) Also, where the sermons overlap in content they differ in important specifics. (In Luke’s Beatitudes, Jesus blesses the “poor” and the “hungry,” while in Matthew Jesus blesses the “poor in spirit” and those who “hunger and thirst for righteousness.”)

The most straightforward conclusion is that these are different sermons. Anyone who has spent time around a preacher knows that favorite phrases and illustrations show up in different settings for different purposes.

Matthew 7

In Matthew 7, Jesus uses the tree/fruit illustration to help his disciples spot false prophets.

“Beware of false prophets, who come to you in sheep’s clothing but inwardly are ravenous wolves. You will recognize them by their fruits. Are grapes gathered from thornbushes, or figs from thistles? So, every healthy tree bears good fruit, but the diseased tree bears bad fruit. A healthy tree cannot bear bad fruit, nor can a diseased tree bear good fruit. Every tree that does not bear good fruit is cut down and thrown into the fire. Thus you will recognize them by their fruits.” (Matthew 7:15–20)

Consider the larger passage. In Matt 7:13–14 Jesus speaks about the wide and narrow gates leading (respectively) to destruction and life. In Matt 7:21–23 Jesus warns that not everyone who calls him “Lord” and claims to have worked in his name will enter the kingdom of heaven. Some he will throw out as “workers of lawlessness.” Jesus is teaching about the way to life—who’s in and who’s out?

Jesus wants his disciples to identify those who do not bear good fruit, especially when they claim to follow him. And what fruit did Jesus have in mind? “Judge not” (Matt 7:1). “Take the log out of your own eye” (Matt 7:5). Ask the Father for good things (Matt 7:7–11). Treat others the same way you want them to treat you (Matt 7:12). In summary, build a solid house by hearing and obeying Jesus (Matt 7:24–27).

Luke 6

Let’s take a look at the tree/fruit illustration in Luke.

“For no good tree bears bad fruit, nor again does a bad tree bear good fruit, for each tree is known by its own fruit. For figs are not gathered from thornbushes, nor are grapes picked from a bramble bush. The good person out of the good treasure of his heart produces good, and the evil person out of his evil treasure produces evil, for out of the abundance of the heart his mouth speaks.” (Luke 6:43–45)

The word “for” at the beginning of verse 43 points to the previous section, where Jesus commands his disciples not to be hypocrites, but to remove the log from their own eyes before taking a speck out of a brother’s eye (Luke 6:41–42). This caution flows from Jesus’s warning not to judge others (Luke 6:37–38).

Significantly, there is no mention of false prophets in this section of the sermon. Instead, Jesus speaks of fruit as the overflow of the heart.

Coming on the heels of the exhortation to “take the log out of your own eye,” the implication is clear. Jesus’s disciples must examine their own hearts. When they see bad fruit, it is the result of lingering evil in their hearts.

Context!

Back to our original question. What does the phrase “no good tree bears bad fruit” mean? I hope by now the answer is clear. It depends!

Words and phrases have little to no meaning when lifted from their context. This is true for our own words; how much more is it true of Holy Scripture!?

So, when reading Jesus’s sermons, or any part of the Bible, pay attention to the context. Observe and interpret accordingly. And as you apply the truths of the Bible, you also will bear much fruit.

This post was originally published in 2018.

Easy Money Can’t Deliver on its Promises

January 31, 2025 By Peter Krol

Last week, we saw that easy money promises community and security. Don’t fall for it.

My son, do not walk in the way with them;
Hold back your foot from their paths,
For their feet run to evil,
And they make haste to shed blood.
For in vain is a net spread
In the sight of any bird,
But these men lie in wait for their own blood;
They set an ambush for their own lives. (Prov 1:15-18)

abandoned pink piano in a derelict building — Photo by Mike Norris on Pexels.com

Security

Where is the promised security? “But these men lie in wait for their own blood; they set an ambush for their own lives.” All the promises of an easier life with fewer worries are simply lies. If we murder an old lady for her credit cards, we’re likely to be imprisoned or executed. The authorities are not very forgiving with tax evaders. Buying more stuff puts us in more debt, which costs us more in the long run.

Even winning the lottery can be more trouble than it’s worth. For example, consider Canadian Gerald Muswagon who won $10 million in the lottery, spent it all in seven years, and then hanged himself in 2005. Or William “Bud” Post, who in 1988 pawned a ring to buy some lottery tickets, won $16.2 million, racked up $500,000 in debt within three months, and had to declare bankruptcy. He ended up with numerous homes full of unused junk and declared, “I was much happier when I was broke” (Source: Maclean’s Magazine).

Please note that Proverbs is not condemning all wealth. The warning is against the unjust acquisition of wealth (what I’m calling “easy money”), which happens whenever we trample on others to gain it. Proverbs expects that wise people will gain wealth: “Honor the Lord…[and] your barns will be filled with plenty” (Pro 3:9-10). However, the methods for acquiring wealth make all the difference:

Diligence in gainful employment: “Whoever works his land will have plenty of bread, but he who follows worthless pursuits will have plenty of poverty” (Prov 28:19).
Inheritance from wise forebears: “A good man leaves an inheritance to his children’s children, but the sinner’s wealth is laid up for the righteous” (Prov 13:22).
Patient endurance over time: “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it” (Prov 13:11).

In addition, the motivation for gaining wealth ought to be to serve others and not ourselves. God provides money and possessions to those who will share it with others: “Whoever multiplies his wealth by interest and profit gathers it for him who is generous to the poor” (Prov 28:8).

From Prov 13:22 and Prov 28:8, quoted above, we see that you can’t keep your wealth; either you plan to give it away, or you have it taken from you. Is that your perspective on money? The critical point is that the wise person never finds his security in his wealth, but rather in the Lord. “The name of the LORD is a strong tower; the righteous man runs into it and is safe. A rich man’s wealth is his strong city, and like a high wall in his imagination” (18:10-11).

Community

Not only does easy money fail to keep its promise of security; it also can’t deliver on community.

One hint of this failure to provide community comes in Prov 1:15: “My son, do not walk in the way with them.” When I trample on others to gain wealth, they’ll eventually withdraw to avoid my folly.

People will catch on to my selfishness and run away: “for in vain is a net spread in the sight of any bird” (Prov 1:17). If I come to you with a proposition for easy money, and you have the wisdom to see through the empty promises, you will fly like a sparrow. I can lay the net out to catch you, but—unless you are blind to reality—I’ll never gain your confidence.

That last fact gets at the heart of the matter. How often am I willfully blind to reality? I hear the promises of easy money, and I want to believe them! Gaining wealth, by hard work over a long time, in order to serve others, doesn’t sound like much fun. It sure doesn’t give me much hope that my stress will go away. So I spend more money, get nicer things, go further into debt, and leave it to my next of kin to pick up the pieces. This plan of action does not build community with those I love the most!

Now, not only does easy money fail to deliver on its promises; it also is highly self-destructive (Prov 1:19). More on that next week.

This post was first published in 2012.

Easy Money Makes Promises

January 24, 2025 By Peter Krol

Why is it the case that pursuing a quick buck, as the cost of serving others, will always keep us from being wise and ought to be rejected?

If they say, ‘Come with us, let us lie in wait for blood;
Let us ambush the innocent without reason;
Like Sheol let us swallow them alive,
And whole, like those who go down to the pit;
We shall find all precious goods,
We shall fill our houses with plunder;
Throw in your lot among us;
We will all have one purse’ (Prov 1:11-14).

These verses are morbidly comical. When was the last time you ever had a total stranger approach you on the street and ask, “Hey, whadd’ya say we go find a defenseless old lady, beat her to death, and take her credit cards? We can share them; I promise.” It just doesn’t happen like that, and Solomon knows it. It’s not like the ancients were so much dumber than we are that they’d fall for such a thing.

man wearing sunglasses and leather jacket at the party — Photo by Wolrider YURTSEVEN on Pexels.com

Rather, Solomon is taking what is usually implicit, and he’s making it explicit by telling a story. He’s bringing to light what is really going on every time we give in to our desire for more stuff. We’re not innocent victims (Prov 1:10 implies that we consent to it), and we’re not making life any easier for ourselves. Instead, we love ourselves and ignore reality. We believe the world’s promises.

The first promise is that easy money will give me community. “Come with us… Throw in your lot among us; we will all have one purse.” Easy money promises me that I can be just like everyone else. I won’t be left behind, and I can’t be the butt of people’s jokes. I won’t be one of those weirdoes who is out of touch with his own generation. I will be normal, acceptable, informed, and relevant. I might even be envied and pursued by others who are normal, acceptable, informed, and relevant. I will have the community I’ve always longed for.

The second promise is that easy money will give me security. “We shall find all precious goods; we shall fill our houses with plunder.” Once I get all the precious stuff that normal people are supposed to have, my life will be easier. Communication will be easier. Managing my life will be easier. I’ll finally be able to relax on that ideal vacation. My clothes will be more comfortable, my work will be more productive, and my stress level will drop drastically. I can pay for the car, the house, college tuition, and weddings. I’ll be set up for retirement. Problems will disappear, and nothing will shake me. I will have security.

In the poem’s next stanza, we’ll see that easy money can’t keep such promises.

This post was first published in 2012.

Reject Easy Money

January 17, 2025 By Peter Krol

Financial impropriety will ruin your influence. Therefore, Solomon commands us straight-out to reject the enticement to easy money.

“My son, if sinners entice you,
Do not consent” (Prov 1:10)

It’s not all that complicated. “If sinners entice you, do not consent.” Just say no. Turn away from evil. Don’t even consider it.

Sinners entice us, and they entice us constantly. They entice us from within, and they entice us from without. In other words, sometimes the enticement comes from “out there” (peer pressure, advertisements, and cultural expectations), and sometimes it comes from “in here” (our own sinful nature that says “I want”). We can’t avoid the enticement. We can’t prevent it. Sweet promises of monetary delights are all around us. All we can do is either accept or reject it, so Solomon cuts through the deception and excuses with a simple command: “Do not consent.”

close up photography two brown cards — Photo by Pixabay on Pexels.com

Sometimes the enticement comes in the form of another credit card application. Sometimes it happens when a neighbor gets a new vehicle, and you want one, too. At other times, you look at the bills piling up, or at the out-of-date sound system, and you wish for something more. Perhaps you slack off on your job search because the unemployment compensation is both sufficient and convenient. Maybe you spend too much time at work, to the neglect of your family or spiritual development. Or, you‘d like to give money to your church, but so many other things just keep coming up. Whatever shape the enticement takes, do you consent to it? Are you a willing participant?

You might wonder why I’m focusing on money and possessions, when it’s obvious that there are all kinds of enticements to sin in our fallen world. Why not focus on alcoholism, cheating, illicit sex, or violence? The reason is that Solomon clearly explains what sort of enticement he is referring to when he concludes the current section in Prov 1:19: “Such are the ways of everyone who is greedy for unjust gain.” He is concerned with the unjust acquisition of wealth. In other words, the pursuit of a quick buck, at the cost of serving others, will always keep us from being wise.

This post was first published in 2012.

Easy Money Will Keep You from Being Wise

January 10, 2025 By Peter Krol

In season one of the TV show 24, federal agent Jack Bauer suspects his supervisor George Mason to be withholding vital information from a criminal investigation. So Bauer shoots him with a tranquilizer gun. While Mason lies unconscious on the couch, Bauer sets his cronies to dig up anything that will give Bauer bargaining leverage with Mason. They discover that just a few years earlier, a substantial sum of money disappeared from government coffers and landed in an offshore account owned by none other than Supervisor Mason. Bauer gets his bargaining chip, and when Mason regains consciousness Bauer is able to extort the required information by revealing his newfound knowledge of Mason’s dark secret.

Even if you haven’t seen 24, you’ve probably heard the same story line played out a zillion times in television dramas, political campaigns, and news headlines. Money issues are often at the center when someone’s character is defamed by scandal. It could be theft, tax evasion, questionable accounting practices, or simply poor management. But whatever the specific instance, it is clear that a failure to handle money with integrity has the potential to disqualify a person from receiving our trust.

This fact was no less true in ancient Israel than it is today. As we’ll see in the next few Proverbs posts, Solomon warns his people of the dangers of money issues. First, he commands the one seeking wisdom to reject the enticement to easy money (Prov 1:10). Then he explains why: easy money makes promises (Prov 1:11-14), but it can’t keep them (Prov 1:15-18) and is ultimately self-destructive (Prov 1:19).

man in black t shirt sitting on chair — Photo by Tima Miroshnichenko on Pexels.com

This post was first published in 2012.

Answers to Christmas Observation Exercise

January 1, 2025 By Peter Krol

Last week, I posted some questions to see how well you’ve observed the birth narratives in Matthew 1-2, Luke 1-2, and Revelation 12. I now come bearing answers.

In a dream (Matt 1:20)
He came to her in a city of Galilee called Nazareth (Luke 1:26-28)
An angel of the Lord (Matt 1:20)
Gabriel (Luke 1:26)
Both (Matt 1:21, Luke 1:31)
Immanuel (Matt 1:22-23)
The Son of the Most High (Luke 1:32)
Joseph (Matt 1:25). Luke 2:21 does not specify which parent named him, but Matt 1:25 does.
A great red dragon (Rev 12:3-4), who is the ancient serpent, called the devil and Satan (Rev 12:9).
Herod (Matt 2:16)
A house (Matt 2:11)

How Well Have You Observed the Birth Narratives?

December 25, 2024 By Peter Krol

For your Christmas cheer, here is a little quiz. How well have you observed the narratives of Jesus’ birth over the years? First, try this without looking. Then check out Matthew 1-2, Luke 1-2, and Revelation 12 for any answers you struggled to remember. Or go ahead and read those passages first, then come back here to see how well you observed them?

In what form or setting did the angel appear to Joseph, when he told him Mary would have a child?
In what form or setting did the angel appear to Mary, when he told her she would have a child?
Which angel appeared to Joseph?
Which angel appeared to Mary?
Which parent—Mary or Joseph—was told to name the child Jesus?
What other name does Matthew say the child will be called?
What other name does Luke say the child will be called?
Which parent—Mary or Joseph—actually named him Jesus when he was born?
Who was waiting to kill Jesus right before he was born?
Who tried to kill him shortly after he was born?
In what sort of structure was Jesus located when the wise men met him and fell down to worship him?

I will post the answers next week so you can see how you did.

Not the Rock but the Storm

December 13, 2024 By Peter Krol

I was recently studying the end of Jesus’ famous Sermon on the Mount, and something struck me about the parable of the builders. Take a look at it.

“Everyone then who hears these words of mine and does them will be like a wise man who built his house on the rock. And the rain fell, and the floods came, and the winds blew and beat on that house, but it did not fall, because it had been founded on the rock. And everyone who hears these words of mine and does not do them will be like a foolish man who built his house on the sand. And the rain fell, and the floods came, and the winds blew and beat against that house, and it fell, and great was the fall of it.” (Matt 7:24-27)

This little parable brings the Sermon to an end, and it is famous enough that anyone who has been around church knows what it means, right? There’s even an old children’s song about it: “The wise man builds his house upon the rock…” According to the third and fourth verses:

So build your house on the Lord Jesus Christ
So build your house on the Lord Jesus Christ
So build your house on the Lord Jesus Christ
And the blessings will come down.

The blessings come down as the prayers go up
The blessings come down as the prayers go up
The blessings come down as the prayers go up
So build your house on the Lord

Is that what this parable teaches?

Image generated with Jetpack AI Assistant from the prompt “beach house built on sand destroyed by hurricane”

A Closer Look at the Parable

Jesus is not the least bit mysterious. This parable is perhaps one of the clearest he ever told. No attempt to trick anyone here:

Everyone then who hears these words of mine and does them will be like a wise man… And everyone who hears these words of mine and does not do them will like a foolish man…

So the building of a house on the rock is a picture of not only hearing Jesus’ words but also obeying them. And the building of a house on the sand is a picture of hearing Jesus’ words and not obeying them. So the rock in this parable is a metaphor not for Jesus but for a Christian’s obedience to Jesus. The sand is a picture of disobedience, or perhaps even indifference, to Jesus’ commands.

Of course, this does not mean that “building on the foundation of Jesus” is an unbiblical metaphor. We find that very metaphor in numerous texts such as Eph 2:19-20 or 2 Cor 3:10-11.

So I’m not saying that it’s wrong to portray Jesus with the metaphor of a foundation on which we build. All I’m saying is that that is not what is going on in the parable of the builders in Matthew 7:24-27. In this parable, the rock is not a metaphor for Christ himself but for the Christian’s obedience to Christ.

That doesn’t mean, however, that Jesus himself is absent from the parable. I believe he still plays a major role within it. And maybe the context can help.

A Closer Look at the Context

We don’t have to go very far. The immediately preceding paragraph describes two different kinds of people as well: those who will enter the kingdom of heaven and those who won’t. And the person who will enter is “the one who does the will of my Father who is in heaven” (Matt 7:21)—not necessarily the person who builds their case on a foundation of confessing Jesus as Lord (Matt 7:21) or on a foundation of seeking to represent Jesus when speaking the truth, overpowering satanic forces, or performing miracles (Matt 7:22).

The person who builds their Christian life from the groundwork of obedience to the Father will survive the judgment executed by Jesus himself. They will never have to hear him say, “I never knew you; depart from me, you workers of lawlessness” (Matt 7:23).

Do you see how, between these two paragraphs, Jesus equates doing “the will of my Father who is in heaven” with hearing “these words of mine” and doing them? Jesus places his commands at the same level of authority as the Father’s will. Jesus’ authority is thus complete and dramatic (Matt 7:28-29).

And because Jesus’ authority is both exhaustive and divine, he is the one whom every man and woman will one day have to face. He is the one who will break the nations with a rod of iron and own the peoples for his inheritance (Psalm 2:4-9). So on the last day, he will remove all pretenders from before him (Matt 7:23). Those who honored him with their lips but kept their hearts far from him (Matt 5:20-48) will be cut down and thrown into the fire (Matt 7:19). Those who practiced their righteousness before men, to be rewarded by them, will have reached the end of their full reward (Matt 6:1). Those who passed through the wide gate and walked the broad road with the rest of humanity will reach the end of that path—destruction (Matt 7:13).

And Jesus will be the one doling it out with all authority in heaven and on earth.

So Where is Jesus in the Parable?

By the time we reach the end of the Sermon on the Mount, it ought to be clear that Jesus is not, in this text, the rock on which a person must build their life. No, Jesus is the storm that will come and put severe pressure on the lives they have built.

Jesus is the storm. He is the flood, and the wind (Matt 7:25, 27).

Those who have only heard him, before going on with their precious little lives, will suffer from his storm, and they will fall spectacularly (Matt 7:27). But those who heard his words and then went and lived them out? Those folks will face the same Judge as the first group.

But they will remain standing before him. They will not be shattered to pieces. They will not fall (Matt 7:25).

What will be your experience of facing this Judge and the storm of his reckoning?