Why are so many countries and families on the edge of financial disaster? Is it poor financial planning? A tax code that is too liberal or conservative? Absolutely not! The real cause of our financial problems is not the budget deficit, but a deficit of true knowledge. It’s because neither politicians nor people know or follow the Bible.

What does the Bible say about personal and public finance? A lot more than you might imagine!

The Bible tells us a lot about work. It tells us…

• to work (1Thessalonians 4:11)
• why to work (1Thessalonians 4:12; Ephesians 4:28)
• how to work (Colossians 3:23-24; 1 Peter 2:18-20) 
• when to work (Exodus 20:9)
• when not to work (Exodus 20:10).

The Bible contains work regulations regarding…

• how employers must treat employees (Deuteronomy 24:14; Colossians 4:1)
• how employees must treat employers (Ephesians 6:5-8; Titus 2:9-10)
• what will happen if either violates these regulations (Malachi 3:5; Luke 16:11-13).

The Bible includes a system to care for the poor (and even aliens) through…

• paying at certain times a specified portion of our income (Deuteronomy 14:27-29; 26:11-15)
• giving privately to those in need (Deuteronomy 15:7-10)
• providing for our own families (1 Timothy 5:3-8).

It even provides examples of how to fund worthy public works (2 Chronicles 24).

Regarding debt, the Bible advises us to…

• stay out of debt if we can (Proverbs 22:7)
• pay back our debts if we have them (Psalm 37:21)
• eventually relieve those who are unable to repay their debts (Deuteronomy 15:1-2; 31:10-11).

Unlike laws invented by partisan politicians, the Bible provides a perfect balance between discipline (2 Thessalonians 3:10-14) and mercy (2 Thessalonians 3:15; Leviticus 19:10).  It encourages generosity (Proverbs 19:17) and diligence (Proverbs 21:5; 27:23), while warning against stinginess (Proverbs 11:24), laziness (Proverbs 6:6-11; 10:4) and greed (Proverbs 28:8).

Believe it or not, the Bible even commands us to pay a specified portion of our income to God (Malachi 3:8-10; Proverbs 3:9-10; Luke 11:42) and to save money every year to spend on good food and good times with friends and family, while attending God’s annual worship services (Deuteronomy 14:22-26. See also our free booklet “The Meaning of God’s Fall Holy Days”).

There are well over 3 million words in the U.S. tax code. Yet, as events of the past weeks have proven, it has not produced sustainable personal and national prosperity. In less than 800,000 words, however, the Bible provides comprehensive, compassionate, proven instructions on every aspect of private and public life.  Those who know, understand and practice them have a wonderfully peaceful, happy, prosperous and eternal future ahead of them (Revelation 22:12, 14).

What about your life–are you absorbed and busy, captivated by your opportunities and enthralled with indomitable fascination?
 
Or have you just lost interest in most of what is happening? Do you merely endure the things that come your way, day after day?
 
I think we have all observed people who radiate a sense of being fully engaged in what they do. I am also fairly certain that each one of us have had our moments when that could be said of us.
 
When reading what is recorded about the life of Jesus Christ, it is an unmistakable fact that He vigorously fulfilled God’s Will for Him: He fasted forty days in preparation for the Work He was given (Matthew 4:2); He prayed fervently for God’s guidance (Luke 6:12-16; Matthew 26:36-46); He was willing to die in order to save others (John 10:15)—in all that Jesus did, He did everything with a zealous commitment to please God!
 
In Matthew 25:14-30, the parable of the talents is given by Jesus. Quite decisively, some of the servants were more productive than others. We find an example of someone who used his talents with great energy and effectiveness—the apostle Paul:
 
“For I am the least of the apostles, who am not worthy to be called an apostle, because I persecuted the church of God. But by the grace of God I am what I am, and His grace toward me was not in vain; but I labored more abundantly than they all, yet not I, but the grace of God which was with me” (1 Corinthians 15:9-10).
 
Jesus Christ stated this concerning all who are His disciples:
 
“‘…I have come that they may have life, and that they may have it more abundantly’” (John 10:10).
 
We are also told in Ecclesiastes 9:10, “Whatever your hand finds to do, do it with your might…”

 Let’s not make the tragic mistake of drifting along without fervently responding to the supreme calling that is Christianity.
 
Now, what about the life that you now live, are you engaged—really?

Are you rich, or are you poor? Does your answer change depending on the person asking the question? What kind of criteria do you use to measure your level of wealth? Do you count the sum of the value of your possessions? Do you count the number of cars you own, or the square footage of your home? Or do you count something else?
 
No matter what the criteria, when we answer the question of whether we are rich or poor, we base it on some evaluation of what we have or what we do not have. The United States of America, by measure of gross domestic product, is the richest country in the world. One might think that such a country would not have problems paying its bills. However, in the Current Events today, we read about the grim reality that without drastic measures, this country will fail to make payments on its loans in the coming weeks.
 
How can such a prosperous and powerful country fall so dramatically into a state of massive financial delinquency? Stated differently, how can a country so rich be so poor? While the passage does not strictly apply to the debt crisis of the United States, Revelation 3:17-18 explains a similar paradox. Speaking of the Laodiceans, Christ says: “‘Because you say, “I am rich, have become wealthy, and have need of nothing” — and do not know that you are wretched, poor, blind and naked — I counsel you to buy from Me gold refined in the fire, that you may be rich…’”
 
In this example, placed in the Bible for us, we learn that carnal pride in material success is a direct cause of true poverty. The only way to become truly rich is by working towards perfection, following the righteous instructions of God. Quite simply, we become poor when we turn from God. When we place our hearts and confidence in the material wealth we might accumulate, rather than what is spiritually important, we are investing in worthless assets. God instructs us to lay up treasures in heaven (Matthew 6:19-21), and not to invest in things which perish (John 6:27), placing value in the things of this world, which have no real and lasting value.
 
If turning away from God causes us to be poor, what happens when we do the opposite? How do we change when we turn our ways towards God? The answer is just as simple. When we fear the LORD, we prosper (compare Psalm 25:12-13). The eternal life and rewards written about in the Bible are the goals we should be working for. This is only attainable through faith and obedience, and bearing fruit with the talents that we have been provided (compare Matthew 25:14-30).

The Bible clearly states that material goods and worldly possessions are of no ultimate value, and that a heart working to overcome the world through God’s faith, righteousness and Godly obedience produces true profit. With the Holy Spirit of God, the greatest investment known to man has been placed in our possession. With this in mind, I’ll ask you one last question: How does it feel to be rich?

In my last member letter, dated June 23, 2011, I wrote that God works out His plan for true Christians, and that “in retrospect, they will understand that God’s Way was indeed the right one.” In fact, they were predestined, before the world began, to be called for salvation in this day and age. God knew them before they were born; He saw them in their mother’s womb; and He was determined to direct their path.

When I look back at my life, I can see now more clearly God’s guiding hands, even though I might not have seen them at first. As a Church member in Germany, I became more and more frustrated with my studies of man’s law. As a consequence, I did not perform very well at that time. The ministry counseled me to continue wholeheartedly with what I had started. When I heeded that advice, I began to do much better—especially on my last test in that particular semester, because I had just “happened” to study the very material the previous night, which I was examined on the next day.

I graduated, passed my first legal exam, concluded my two year practical training and passed my second legal exam, and I began then to practice law as an attorney. But deep inside, I knew that this was not what I had envisioned to do for the rest of my life, and sharing my concerns with my wife, she contacted the German Church Office. Although there was no job opening there, we learned that the Legal Department of the Church’s Headquarters in the USA was looking for a person trained in the law who could help with international legal matters.

And so, my wife, our nine-month old son, and I moved to the USA, originally for two years, to study at the Church’s Theological College and to work for the Legal Department. But our stay would not last for just the two years. In due time, the Legal Office offered me a full-time job and requested that I “take the bar” in the USA and become an attorney licensed to practice here—which I did, just in time to meet the requirements for obtaining a green card (that is, to become a permanent resident), leading ultimately to my naturalization.

Subsequently, while continuing to work for  the Legal Department, the Church’s German Work and the TV Department asked me to provide the main voice as a voice-over speaker for German TV programs, and we produced in excess of 100 German TV programs. But when the apostasy in my Church had reached a point which had become unbearable for my wife and me, I resigned and we joined a smaller Church of God organization which was committed to continue in the teachings which we all had learned and believed.

In due time, a split occurred in our new group, and while the majority established their own organization, we continued for a while until the majority revealed that it was determined to merge with a much larger Church organization. Since we—the minority again—were not convinced that that was the right path for us, we resigned, and organized the Church of the Eternal God in the USA. Church organizations in Canada and Great Britain also joined with us. At that time, most did not give us a chance for survival. But we have been in operation for ten years by now, and we have every reason to believe that our existence will continue–as long as God allows us to be of service to Him.

I believe that God has been guiding and training me all along. My training in writing and speaking has helped me in my present task as the presenter of our American StandingWatch and German AufPostenStehen programs; as a writer for the Church’s literature; as an ordained minister, being able to deliver sermons in English and German; and as a licensed attorney, being in a position to help those in the Church who are in need of legal assistance.

Looking back on my life in Germany, how little could I have known where God would be leading me. And quite frankly, when trying to look into the future, I still only “see  in a mirror, dimly” (1 Corinthians 13:12). Who is to say what is ahead for me in this life, and for my wife and family, my brethren, my friends…

I don’t know. But one thing I do know—and this applies to each and every one of those whom God has called and is calling at this time! When we are submitting to our loving and all-knowing Father and His Son Jesus Christ, we will be led in the way that we are supposed to go. Challenges will come; and our patience and trust may be severely tested. We may have questions without answers. We may not know exactly what we should do. But we need to stay close to Him who does know. We must want to remain clay in the hands of our Potter (Isaiah 64:8). And as long as we want God to train and guide and protect us, He surely will do so (Psalm 139:9-10).

Before his conversion, the apostle Paul made havoc of the early church by his unbridled zeal to try and stamp it out (Acts 8:1-3). He was a deeply religious man whose zeal turned to fanaticism in a quest to eliminate what he thought was a false belief system. He was zealous for the traditions of his fathers (Galatians 1:14), but in his misplaced zeal, he actually persecuted the true church of God (Philippians 3:6).

In the third chapter of the book of Revelation, the church of Laodicea was told that it was “wretched, miserable, poor, blind and naked” (verse 17).  It was bereft of vital qualities that were needed, and it was lukewarm.  

Have we fallen at one time or another into either, or both of these traps? Perhaps when we were called, we had so much enthusiasm and somewhat misguided zeal that we tried to convert family, friends and anyone else we could get to listen to our story. And we became upset, at times, when they did not want to accept our “convincing” arguments. But, perhaps after many years in the church, we became lukewarm, having heard it all before and taking our calling much less seriously than we had done when we first came into a knowledge of the truth.

Taking the comparisons a little bit further, we may have had our nose in the Bible at every available opportunity, forsaking everything else and neglecting our responsibilities for our mate and children, but now we may rarely look at the Word of God from one Sabbath to another. Does any of this strike a chord with anyone?

One writer commented that “If you are told someone is ‘a bit zealous,’ it does not convey a totally positive image. Words like enthusiastic, keen, hot headed, lacking wisdom, scary, etc. tend to come to mind!” 

We have to avoid being a fanatic because this can send out the wrong signal when we are told to be lights to the world (Matthew 5:14-16). On the other hand, we have to have Godly zeal and enthusiasm for the Way that we have been called to. I remember clearly a minister saying to me some decades ago that “we have to be sold on this Way of life.” That must be reflected in the way that we conduct ourselves at all times.

It’s a fine balance. Do we consistently achieve that in our lives?

The attempt to coercively persuade an individual to a “right mindset” is not new to mankind. It has been tried throughout the centuries–by the Papacy during the Medieval Inquisitions; the Russian secret police; the prison systems; the mental healthcare facilities; and so on. 
 
During the Korean War, brainwashing was put forth as the explanation for why captured American soldiers were making anti-American statements and defecting at a higher rate than normal. It was found out later that the Chinese had been using de-humanizing techniques and once the POW’s were out from under the heavy hand of their captors and able to reassert their own will, they quickly reintegrated back into their previous life style. In other words, for mind control to be effective and lasting, there was a need for willing participants.
 
Though some may believe that “mind control” is a reasonable explanation when it comes to many of the organizations that claim Christianity or any other religious persuasion as their foundation, the truth is that adherents willingly submit themselves to being molded and shaped. As a major tenet of the Christian religion, its followers believe that they are to allow their minds to be changed by the power of the Spirit of God.
 
However, what must be recognized is that there are two spirits at work which are an antithesis of each other. This is why we are admonished in 1 John 4:1, “Beloved, do not believe every spirit, but test the spirits, whether they are of God…” Satan has the ability to negatively influence the human mind, and he has and is making the most of it by deceiving the whole world. Though many follow the Devil’s lead ignorantly–without realizing that they do so—it is nevertheless true that due to Satan’s deceptions and evil devices from their childhood, they have acquired a will and a desire to follow Satan willingly.
 
It is this same sway that man’s Adversary, a being of vast power, seeks to foist upon true converted Christians who have received God’s Holy Spirit. Even though we, the Spirit-begotten Children of God, have a hedge set about us, Satan desperately wants to direct our thoughts especially. 
 
If we are to combat the wicked one, we must allow our minds to be transformed in the right way. James says, “Therefore submit to God. Resist the devil and he will flee from you” (James 4:7). We are to obey God and truly be led by His Power in us. Doing so will put us in the right frame of mind to overcome all that besets us. To avoid being conformed to Satan’s world and all that is in it, we must willingly replace our mind with the perfect Will of God (Romans 12:2).

When we think of Christ’s prolonged suffering and excruciating painful death, we might perhaps ask ourselves, could there have been a better or easier way to accomplish the purpose and end result of His First Coming?

Why did He become a Man to die? We know that God the Father created everything—including man—through Jesus Christ. As man’s Creator, Christ’s life was of more value than the sum of the entire creation. He died by shedding His blood, and there is no forgiveness of sin without the shedding of blood. The penalty for our sins is death, and Christ died to pay our penalty on our behalf. His death was necessary for the remission and forgiveness of our sins, with man’s potential of inheriting salvation and eternal life in the very Family and Kingdom of God.
        
But why not choose a fast and nearly painless death, such as beheading in the manner in which John the Baptist  was killed? Christ would still have died for the sins of mankind; He would still have shed His blood for us–but that was not what God and Christ had decided before the world began. And there are reasons for that decision—in fact, no other way would have been possible (compare Matthew 26:36-42).

Focusing on the events after the last Passover that Christ observed with His disciples, we find that Judas betrayed Him to His captors in the Garden of Gethsemane with a kiss; that all His disciples forsook Him and that Peter betrayed Him three times; that He was illegally “interrogated” all night; that He was brought before Pilate, Herod, and again Pilate for further “questioning” during the day; that He was brutally beaten by the Romans—apparently three times—with no limitations on the amount of stripes which He received; that He was spit on, mocked, ridiculed (with a crown of thorns placed on His head, inflicting further pain and wounds); that the Romans beat him on the head with a reed; and that He was finally sentenced to death by crucifixion, after He had been repeatedly declared to be innocent by Pilate and Herod, and while Pilate instead released a convicted murderer in His place.

By the time He was nailed to the stake at the place called Golgatha (the Place of a Skull), together with two convicted robbers, He had been without sleep for some 30 hours. He had lost blood by the beatings and scourging which all by themselves could have caused the death of a person. He was indeed greatly weakened because Simon of Cyrene had to assist Him in carrying His stake to the place of crucifixion, where His hands and feet were pierced through with nails and where He endured terrible agonies and thirst on the stake for another three hours, being continuously blasphemed and ridiculed by bystanders, before dying at around 3 o’clock in the afternoon, when a soldier murdered Him by piercing His side with a spear.

Why did God the Father and Jesus Christ allow this kind of inhumane and cruel “punishment” to be executed against the very Son of God? And why did they allow the kind of suffering that Christ endured throughout His human life—and especially during the hours following the Passover? Christ knew all that would happen, and He told His disciples that He had desired to eat the Passover with them before He would suffer.

One answer is, of course, that God the Father and Jesus Christ chose this manner of suffering and death of the very Son of God so that they could never be accused of taking the easy way out. But there is much more to the answer.

We read in 1 Peter 2:24 that Christ “Himself bore our sins in His own body on the tree, that we, having died to sins, might live for righteousness—by whose stripes [we] were healed.” (Compare Isaiah 53:2-5; Matthew 8:16-17).  While the shedding of His blood made possible the forgiveness and redemption of our sins, His numerous wounds, stripes and beatings made possible the healing of our physical deformities and sicknesses.

We also read that Christ learned obedience by all the things that He suffered. He came in the likeness of sinful flesh to overcome sin in the flesh. He never sinned once—but He had to experience in His flesh what it took to be always obedient to God, even in times of excruciating pain and prolonged suffering.

We read in 1 Peter 2:21-23 that Christ “suffered for us, leaving us an example that [we] should follow His steps: ‘Who committed no sin, Nor was deceit found in His mouth’; who, when He was reviled, did not revile in return; when He suffered, He did not threaten, but committed Himself to Him who judges righteously…”

Let us truly appreciate what Christ went through on our behalf. It was not a light matter to pave the way for our spiritual forgiveness and physical healing, and God expects of us to live worthy of our calling by following Christ’s sinless example in everything—especially in times of temptation, trial, sickness and severe suffering.

In Matthew 18:3, Christ gave His disciples the following very poignant admonitions: “Assuredly, I say to you, unless you are converted and become as little children, you will by no means enter the kingdom of heaven.”

Some great points are given here.

Firstly, we are to be become converted. Conversion describes a total change in how we think and act. It refers to a rejection of the ways of this world and a transformation by the renewing of our minds (Romans 12:2). It requires constant effort and constant learning. Paul had to correct the Corinthians in 1 Corinthians 3:1-3 because they were not growing spiritually. They behaved, as it were, like mere carnal men, full of envy and strife.

Secondly, we are to become as little children. But we are also told that we are to be growing (compare also 2 Peter 3:18). We start as “newborn babes [who] desire the pure milk of the word, that they may grow thereby” (1 Peter 2:2). Babes in Christ are to be growing in maturity and Godly wisdom. So how does being as little children fit into this?

Albert Barnes Notes on the Bible has this to say: “Children are, to a great extent, destitute of ambition, pride, and haughtiness. They are characteristically humble and teachable. By requiring his disciples to be like them, [Christ] did not intend to express any opinion about the native moral character of children, but simply that in these respects they must become like them. They must lay aside their ambitious views and their pride, and be willing to occupy their proper station–a very lowly one.”

This is not to say that we are to become as children in respect to foolishness, as Proverbs 22:15 tells us that foolishness, which is bound up in the heart of a child, must be driven far from it. Rather, we are to take on the attitude of being faithful and trusting in God, of accepting correction in humility, and of wanting to learn and being teachable and receptive to God’s words. As we read Christ’s statement in Luke 18:17: “… whoever does not receive the kingdom of God as a little child will by no means enter it.”

While we are to have a teachable and humble attitude like little children, we must also realize that we are to be working towards perfection in all things (compare Ephesians 3:13-19).

Thirdly, we are told that we need to enter the kingdom of heaven. We are not already in the kingdom of heaven, nor are we to go to heaven to enter it there. Rather, the kingdom of heaven is the kingdom of God—the kingdom of our Father who is in heaven—which Christ will restore on this earth when He returns; and when God’s children will enter His kingdom, they will rule with Christ on this earth for a thousand years.

So are we “as” little children? Where are we in faith, understanding, truth and knowledge? Paul again gives a strong warning and rebuke in Hebrews 5:12-14, when he writes: “For though by this time you ought to be teachers, you need someone to teach you again the first principles of the oracles of God; and you have come to need milk and not solid food. For everyone who partakes only of milk is unskilled in the word of righteousness, for he is a babe. But solid food belongs to those who are full of age, that is, those who by reason of use have their senses exercised to discern both good and evil.”

Where are we in being able to discern good and evil? The times are evil and the time of Christ’s return is drawing closer. Let us all work towards a good, solid and mature understanding (1Corinthians 14:20), and when we, by reason of use, continue to “exercise our senses to discern good and evil,” and to practice the good and reject the evil, then we will continue to be like little children and be allowed to enter the soon coming Kingdom of God.

When was the last time you were corrected? More importantly, when discipline came your way, did you take it and actually make a change in your life?
 
When Nathan was sent by God to confront David for his sin with Uriah’s wife and of Uriah’s murder, David simply said, “‘I have sinned against the LORD’” (2 Samuel 12:13). Psalm 51 gives us more details of King David’s heartfelt repentance—let’s note some of the key verses:
 
“For I acknowledge my transgressions, And my sin is always before me, Against You, You only, have I sinned, And done this evil in Your sight…” (verses 3-4).
 
“Create in me a clean heart, O God, And renew a steadfast spirit within me. Do not cast me away from Your presence, And do not take Your Holy Spirit from me” (verses 10-11).
 
“The sacrifices of God are a broken spirit, A broken and a contrite heart—These, O God, You will not despise” (verse 17).
 
Because David was willing to take his correction and profoundly change his approach, God forgave and accepted him and continued to work with him. So great was David’s repentance, that God’s covenant with him continues until this very day, and it will find even greater fulfillment in the future.
 
All of us need correction, and we, like David did, should seek it from God. Hebrews 12, verses 3 through 11, outlines why Christians will undergo episodes of discipline.
 
How does this occur?
 
It happens (or should) when we study the Word of God, when we hear messages from God’s true servants, when we read the Church’s literature (including our booklets and weekly Updates), when we counsel and fellowship, when we privately pray and meditate, and when we are very attentive and receptive as to how God is working in our lives. In everything we do, we should be sensitive to making changes to walk more and more completely in God’s Way. This is possible because we have God’s Holy Spirit.
 
But we must not ignore or quench God’s Spirit of power (1 Thessalonians 5:19), nor reject learning to think like Jesus Christ thinks (Philippians 2:5).
 
Here is a promise we can count on if we are true Christians—more discipline lies ahead! The next time you are corrected, will you take it?

It may be true for all generations to feel that end-time prophecy is being fulfilled before their eyes. However, the events we read about today seem to take less and less imagination to connect with prophetic Scripture for the last days, than they did just months ago.

In nearly every corner of the world, we are seeing a significant shift in power, which we expect to see as God’s plan is fulfilled. Among the most alarming news is the steady stream of government protests in the Middle East. Countries that are clearly identified in the Bible with prophetic relevance have seen radical changes in only the past weeks and months. The Egyptian government has experienced a complete upheaval. Libya is in the middle of a civil war. Syria too has seen an accelerated rate of protests demanding a change in the leadership governing the country. In the meantime, the international respect for the country of Israel continues to erode at a constant rate. These major disruptions in that part of the world are just a few of the events going on today with prophetic relevance. What in the world IS going on? How can these things happen so quickly and unexpectedly for so many?

The answer is quite simple. We are reminded in 1 Thessalonians 5:1-6, that for this world, the Day of the Lord comes as a thief in the night! We can expect the unexpected to occur. And even though God has already given us the overall prophetic picture, we might not yet be able to predict how exactly all the minute events will come about, as prophesied in the Bible. But we do have an advantage in that we have the tools at our disposal to develop our understanding about how to prepare for the end-time fulfillment of God’s plan.

So, how can we prepare? We can prepare by following the instructions of the Bible to build our faith, love and hope for salvation. In these virtues we must invest and trust. The corollary truth is that the “comforts” of the world we live in are the things we must turn away from, because they are completely unreliable and work against our spiritual goals. Overcoming the negative influences of the world, and trusting in the one true God must be a way of life for us if we want to be prepared for the establishment of God’s Kingdom.

Even with these truly comforting meditations at the forefront of our thoughts, the unrest in the world makes it far too easy to lose heart and fall into worry. While there is not much that we can control outside of our ability to prepare spiritually, at least we know that we can trust in God. I frequently find encouragement and strength when reading Joshua 1:9, where God admonishes the newly appointed leader of Israel on the threshold of entering the land of Canaan: “’Have I not commanded you? Be strong and of good courage; do not be afraid, nor be dismayed, for the LORD your God is with you wherever you go.’”

Matthew 24:36 plainly tells us that no one knows the day or the hour when Jesus Christ will return. Even if it was possible to have such information, it would be of no use without the virtues that we are told to develop. Even if we always had the ability to accurately predict every minute sequence of prophetic fulfillment, we still would not be prepared for the coming of Christ without the love of living God’s way of life. We must not be afraid of the events contributing to the fulfillment of prophecy, but even more importantly, it is critical that we work to prepare spiritually, so we can be among those who have succeeded in overcoming the world when that Great Day arrives.