Not long enough for a book, these blog posts are the bombastic theological, cultural, and financial observations and writings of a once-beloved Bible college student affectionately dubbed "King Jimmy."
Showing posts with label North Carolina. Show all posts
Showing posts with label North Carolina. Show all posts
9/25/2014
Give less to God, more to Others
God doesn't need your money.
People need money.
God can't accept your money.
People who are poor can accept your money.
With these truths being rather self-evident, maybe we should strive to give less to God, and give more to others.
Don't get me wrong, I'm not saying we shouldn't give money to the local church or world missions, and to help financially support the work that goes into preaching of the Gospel.
Such is entirely Biblical.
I just think we should give more money to those who specifically need it than those that don't.
Such is simply MORE Biblical.
Blindly writing a check every week and putting it in the offering plate and saying you gave to God as a result... not so much.
Some ministers might object to such statements, and insist that you have (or get to!) tithe 10% of your income to the local church. It is there, they say, that God has setup His storehouse in which you are to bring your tithe.
Many preach this really well, but frankly, it's simply not Biblical. And there is nothing in the writings of the New Testament to support the notion that God accepts your tithe by means of a pastor at a church building.
Indeed, the early church didn't even meet in buildings, they met in public outdoor places and in living rooms. So the concept was far from their minds. The only "house of God" they knew about was the temple in Jerusalem, and they knew that Jesus promised it would be soon be destroyed. So, it's doubtful that they ever brought very much money there knowing such a thing.
No matter. Such still won't keep very many pastors from trying to come up with clever ways to link the Old Testament practice of tithing to the New Testament, and induce you to give to them as a result.
As some pastors told me in Bible college and Seminary, whether tithing is required today doesn't matter, they were still going to preach it anyway, because without doing so, many of them were convinced that their doors on their church would close tomorrow, and they would be without a job.
(That was a true story by the way.)
In case you are not aware:
The "storehouse" of the Old Testament to which people brought their tithes was something akin to a barn and used to store food. When people tithed, they brought livestock and other food stuff there. It was like a giant community food pantry. They didn't bring money. If they had money, it was to be used to purchase food, and that food was subsequently stored and eaten.
Tithing was primarily a practical means by which God made sure the Levitical priesthood and their families, in exchange for their full-time service in the temple, could have something to eat. For the priesthood and their family were engaged in the service of the temple all day long, and they simply didn't have time to milk cows and plant a garden.
Additionally, because they didn't inherit any land in Israel, they literally had little to no land from which they could cultivate, farm, and support themselves with. All they received from Moses when he divided the land were a couple cities that were designated for the Levites to live in. Without the tithe, they would have literally starved, and they would have been forced to abandon their priestly duties in the temple.
This isn't a problem anymore today, because...
We have no more Levitical priesthood to support anymore.
With the giving of the New Covenant, all of God's people are now priests, and all are called to minister in some fashion. And while it is true that pastors and others have the right to be compensated for their service to God's people, if you read the New Testament carefully, you'll find that folks like the apostle Paul rarely accepted financial assistance in compensation for their ministry.
Instead, the apostle Paul worked, and was self-employed in the leather trade. And he specifically encouraged others to follow his example, as he thought it was the wisest thing to do. He didn't want people to question his motives for preaching the Gospel, and create a stumbling block for others in the process. Additionally, he wanted the money that might have normally gone to him, had he demanded it, to go towards the meeting of other more pressing needs than his own.
If you actually study all of the passages that talk about giving in the New Testament (and there are quite a few!), you'll discover that the early church primarily gave their money to feed the hungry, take care of the poor, and to support widows. Very little money seems to have ever been given or received for the purpose of helping pay preachers for their labor.
And NONE of it was ever given to help build auditoriums or cathedrals.
And the church still grew like wildfire in spite of not funding the things we typically spend a lot of money on, and did so for several centuries. Which leads me to ask...
What would happen if we followed the teaching and pattern of giving practiced in the New Testament by the early church?
Just imagine all the places we live and how our cities and nations would be transformed overnight, if instead of "giving to God," we simply made it an intentional point to be radical in our giving, and looked to give our money directly to the people who actually need it the most. And in the process, share the Gospel with them.
Can you imagine the witness this would bear for Christ in the community? Can you imagine the platform the church would gain in order to proclaim the Gospel if it had little overhead, and majored in giving?
Let's think outside the box for another moment.
I go to Elevation Church in Charlotte, North Carolina. As of December 2013, we received over 25 million dollars in offerings last year according to this audited online financial report from the church. The church, which is very generous, gave back 12% of that money to the surrounding community. Not too shabby compared to most other churches.
But, imagine a scenario, that, if instead of using the money we received to support the hundreds of pastors and staff who work at Elevation, and to pay for all the overhead associated with this ministry, that we simply decided as a church to pool all of our money together to end homelessness in Charlotte.
We could do so every year, starting this year!
Impossible you say? Check this out...
According to this report at the Charlotte Observer, as of December 2013, there were 2,418 homeless people in Charlotte. If we took the same 25 million dollars we received last year, and used it to help each of these homeless people obtain an apartment, that means we could give each person every year $10,339.12 (or $861.58 per month), to go towards paying for rent somewhere. For those not from this area, at $861.58 a month, you could easily find a 1 or 2 bedroom apartment to live at in the greater Charlotte area, and possibly have some money left over.
Now, imagine if my church did that. And then imagine if they partnered with other large churches in the area, like Calvary Church, Mecklenburg Community Church, Central Church of God, Forest Hill, Friendship Missionary Baptist Church, and the dozens of other very large mega churches in our community.
Each of these large churches bring in millions upon millions of dollars every year in tithes and offerings. Collectively, I would speculate that all of the mega churches in Charlotte probably bring in well over 100 million dollars annually.
Just think of all the good works the church could engage in across our community if we collectively partnered together to meet real and pressing needs.
Think of the opportunity it would create for all of us to openly share our faith with people who have been made ready by God to hear what we have to say.
Instead, the trend these days is for us to operate under the assumption that God has called our church to be a big church, with as many venues in as many cities and states as possible, so people can gather together and hear 1 or 2 people dynamic people preach for a couple hours a week, listen to some music, watch some theatrics, and then go home.
And as more and more churches expand their sphere of influence by opening multiple satellite locations, we are literally spending millions of dollars on buildings that just allow people to watch somebody preach the gospel over a jumbo sized TV screen that simply has a live internet feed attached to it. Truth is, the people could do the same at home in their pajamas at just about any time of the day, and the church could spend a lot less money on overhead in the process. Last I checked, putting up video's on YouTube was free.
That's not exactly a visionary way to reach people. That's probably just bad stewardship.
There are better ways of reaching out to people and changing the world for Jesus. What is needed is not for a church to pump and prime God's people to tithe and give more and more, so that we can build more and more buildings. God's people give plenty already. We already have plenty of buildings.
What is needed is for us to adjust our vision, and to be aware of the opportunity that is all around us. We need to redirect where we give our money.
We need to see the single mom who is having a hard time making ends meet, and give to her.
We need to see the children in our nation who experience hunger on a regular basis, and buy them something to eat.
We need to see neighbor that we know was recently laid off from work, and help him make ends meet for his family.
We need to see the wife, who stays with her abusive husband only because she has nowhere else to go and find safety, and help provide a place of refuge for her to flee too.
We need to see the countless others, whom we often refuse to see, and deliberately make them the recipient of the grace God has given us, so that we can enrich their lives through our joyful and generous giving.
We need to stop being so lazy, and simply dropping our offering in a plate. We need to reach out of our comfort zones, and really begin to minister as God would have us as the church to minister to those in our community.
We need to give less to God, and more to others.
And in the process, if we find some preachers who are exceptionally gifted and make a regular difference in our life and the lives of others, and help equip a lot of people to do such things, we should consider supporting such men and women. They are worthy of our support... if they will take it.
(Note: I have called out Elevation Church and other churches in the Charlotte area for illustrative purposes only. It's the church I go to. I am not attempting to smear them or otherwise malign them. If you think I'm trying to pick on them, may I kindly advise you to think about something else... like puppies, or whatever else makes you smile.)
Labels:
Charity,
Charlotte,
Elevation Church,
Giving,
Ministry,
New Testament,
North Carolina,
Old Testament,
Tithing,
Vision
4/09/2014
You Probably Can't Afford to Tithe
Many pastors have been known to boldly stand in the pulpit and proclaim, "You can't afford not to tithe!"
Many of these pastors have never sat down and tried to make a budget with the people they are preaching to. They've never sat down and done the math.
As I will demonstrate in this brief essay, the average family of 4 making $50,000 a year probably cannot afford to tithe.
The financial assumptions I am making in this essay assumes a family of 4, where the husband is the sole wage earner in the family, and where the wife is a full-time stay at home mother who stays home to take care of the kids. I assume they own 1 car outright, and have an auto loan on another. I assume they have a mortgage that is reflective of 25% of their gross monthly income (which is pretty common). Because it is the law of the land, I am operating under the assumption the household is fully insured. I assume this family has no credit card, student loan, or medical debts. I assume this family is not making any contributions to retirement savings.
Since I personally live and work in the greater Charlotte, North Carolina area, I am going to assume taxes and living expenses that are in keeping with a person who lives in the suburbs of my living area. I work as a mortgage underwriter for a living, so some of my assumptions come from being regularly exposed to the personal finances of a lot of people, as well as the general lending standards of most banks. Please feel free to adjust these expenses based on where you live to see if what I say pans out.
Using the PaycheckCity.com calculator, I have determined that a married man living and working in North Carolina making a fixed salary of $50,000 a year will gross $961.54 a week before taxes/social security, and will net $738.58 after. His gross monthly income ($961.54 x 52 / 12) is $4,166.67, and his monthly take home pay is $3,200.51.
Monthly Gross: $4,166.67
Monthly Net: $3,200.51
Itemized expenses:
Tithe 10%: $416.67
Mortgage payment: $1,041.67
Groceries: $850.00
Water Bill: $50.00
Electric Bill: $150.00
Gas bill: $50.00
Home/Cell Phones: $150.00
Clothing: $50.00
Auto Loan: $200.00
Auto Insurance: $100.00
Auto Gas: $100.00
Auto Maintenance (Tires/Oil/Taxes/Inspections): $150
Health/dental/vision insurance: $200.00
Miscellaneous: $100.00
Total monthly expenses: $3,608.34
Monthly budget deficit: -$407.83
Based off these rough, and rather conservative monthly budget figures that I used, I have concluded that the average family of 4 living in the greater Charlotte, North Carolina area making $50,000 a year simply cannot afford to tithe. Without their tithe, this family of 4 would be lucky to break even on a monthly basis. They don't even have room for regular monthly savings, let alone money to contribute to a retirement account.
In order to pay their tithe, this family would ultimately be forced to skip out on some other bills in order to make the math work, or they would be forced to radically downsize their current lifestyle... which is already pretty conservative.
So the next time a preacher tells you that you can't afford not to tithe, ask to sit down with them and work out a budget with you, and ask him how this math works. Because as far as I'm concerned, as somebody who crunches numbers for a living, I do not believe that the average family of 4 that is lower middle class and below can actually afford to tithe on a monthly basis, and still stick to their monthly budget. Of course, there may be some exceptions to this, as everybody's scenario is ultimately unique.
How does your monthly budget work? If you can afford to pay your tithes and all of your monthly bills, and are a family of 4 making $50,000 or less a year, I would be interested in you sharing your monthly budget with me and my readers in the comment fields below.
Please, show me the math.
Labels:
Charlotte,
North Carolina,
Personal Finances,
Theology,
Tithing
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