Should Christians Save or Invest? - Ask Pastor Tim

"Dear Pastor Tim, I wanted to ask

about the place of giving,
saving, and investing

for the Christian.

The Bible obviously has
a lot to say about giving,

but I'm not so sure what the place

of saving or investing
is for the Christian.

Is there any time it would be appropriate

to save a large sum of money

especially given Matthew 6:19?"

Somebody open Matthew 6:19

so we know what she's talking about.

This is the classic text on money

as far as I'm concerned

that our Lord has ever given.

Matthew 6:19 - you can read that

when you get there, anybody.

"Do not store up for yourselves

treasures on earth

where moth and rust destroy,

where thieves break in and steal."

Right. She says, "What about investing?

Either in some type of business endeavor,

property, or some other
asset like a mutual fund?

Is there ever a place for investing?

How should we understand these things

and use our money in light of Scripture

as believers?"

And I would just say this,

when it comes to money,

as it has to do with lots of aspects

of the Christian life,

our Lord didn't simply write -

it's kind of like that divorce situation -

do you know what the Lord
doesn't say in Scripture

is on purpose just as much
as what He does say?

There's all manner of things

concerning divorce and remarriage

that I could wish He said more about,

but He doesn't.

And He doesn't on purpose.

Why?

Because the Christian life isn't simply

meant to be lived by a list of rules.

We're to walk according to the Spirit.

We have the Scriptures.

We're to take those Scriptures,

but we're to be a people

who are prayerfully in the sight of God

seeking to live and commune with Him.

Let Scripture be - it's full of
lots of guiding principles.

But you hear even when Jesus says,

okay, don't lay up for yourselves

treasures in heaven.

You've got moths and rust and thieves.

Rather, we're to lay up
this treasure in heaven.

Okay, but you notice there's
no exact formula.

It's not like, well, okay,
give ten percent.

There's not an exact formula.

It's not: don't you remember Zacchaeus?

He gave fifty percent!

So that's it!

Nope, none of that.

Oh, if I've got an extra piece of land

and I see somebody in the church -

isn't that what they did?

Or I've got two coins in my pocket,

and they're taking the offering,..

See, none of those things are given

as the exact example.

You see the heart of
Christians being expressed,

but it's never identical.

We're not meant to have an exact formula

to live our Christian lives by.

And it comes down to that
with regards to money too.

This principle laid down for us

in Matthew 6:19 -

what does that mean?

Does that mean don't lay up
for yourselves treasures here?

Well, how big of a stockpile
does it have to be

before it's a treasure. He doesn't say.

He doesn't say, well, when you get to

where it's a thousand dollars

or where it's 23% of your
yearly annual income...

He doesn't say anything like that.

It's just this general principle.

Even Jesus had a money bag,

which means some reserves

were in that bag

for our necessities tomorrow.

Laying up something

is something even He did.

I know Judas had the bag

and Judas stole from it,

but Judas doesn't negate the reality

that they had a bag that
they operated from.

So, what is that?

Could the bag be your wallet?

Could the bag be your purse?

Could the bag be your savings account?

Could the bag be your mutual fund?

Well, it could be.

So, you know, it's not down to:

Okay, mutual funds are sin for Christians.

But I think we've got these
principles in Scripture

that we just need to think about.

When it comes to saving,

let's just think there.

When it comes to reserves here,

one of the things that
our sister is saying

is she says I'm kind of clear

about the giving part,

but I'm not so sure about the place

of saving and investing.

Now, over the years I've heard "the ant."

Consider the ant, thou sluggard.

Okay, I've heard that used

as basically justification
for stockpiling.

But if you read the passage,

is it really condoning stockpiling?

Or is it condoning basically
the diligence of the ant?

And I would say it's the second.

It's: you sluggard,

you need to consider the ant.

It's not: you who don't have sufficient

stockpiles for tomorrow

who need to consider the ant.

It's the sluggard who
needs to consider the ant.

So, that being said,

I would just ask all of you.

If you let your mind just
move back and forth

especially through the New Testament,

can you think of any place

that even talks about laying up

here on earth?

Having some kind of reserves?

Is there anything?

James: I think of Paul telling the church

to make sure they gather what they need

to give for when he comes.

Tim: But that's money
that was heading out.

Yeah, they're putting that together

for the sake of it being gone;

for giving it.

I mean, really, the only
thing I can think of

in the New Testament is -

there's several things
(incomplete thought) -

one is the money bag.

(incomplete thought)

This thinking that: well, Jesus
said not to lay up treasure,

and so, if I lay up the
money for my mortgage,

I'm doing what Jesus said not to do,

so I better give it all away.

And when the mortgage comes due,

I'm just going to trust the Lord.

That might not be wise.

I mean, is there a place

if you recognize that
your vehicle is failing

to begin to save up?

Or even if you recognize
your health is failing

to begin to save up?

Or if you recognize your
health is failing

to go get health insurance?

Are those things wise?

Or how about the principle

that if you don't take care of your family

you're worse than an unbeliever

or worse than an infidel?

Now, here's the thing,

I'm the provider in this family -

primary provider.

Should I give thought to maybe

what might happen if I were to die?

I mean, if I'm going to be faithful

to my family,

I would think that providing for them

would be wise and loving

and consistent with that passage.

Or how about this?

Do you know what else you
find there in 1 Timothy 5?

You find that if you are
the family member -

a child or a grandchild

or a believing woman

who has somebody in your family

who is a true widow,

you're supposed to take care of them.

Now, somebody could say,

well, I could take care of them

from the money that I'm making every week.

It doesn't necessarily say

that you have to have a savings

from which to draw.

Perhaps.

But would you be wrong if you had that?

I mean, what I find too

is there were people that had property

and they would liquidate that property

as people had need.

But would they have
liquidated their property

if there hadn't been the need?

Or should we just assume there always is

greater need than what our assets are

and so liquidating them at any time...

I find that the rich in 1 Timothy

are not necessarily told

to dump everything immediately.

That the idea of having
anything held in reserve

is absolutely wrong

and you just need to liquidate it all

and get rid of it right now.

What I find in 1 Timothy 6

is that the rich person is to be

ready to do good;

he's to be ready to meet need.

You know what I find about Job?

Job was a man - now I know

I'm going to the Old Testament here

and perhaps we can say

that the New Testament has much more

of a missional and a Great Commission

kind of mindset.

But I find that Job was the wealthiest man

and he actually says that he searched out

the cause of the needy.

He was looking for
opportunity to meet needs.

And I think that's probably got
more to do with it than anything.

You know, what we're told

is that we're stewards.

Have you ever read -

I know I've dealt with this some recently,

but Luke 16.

Turn to Luke 16.

Look at this.

Luke 16 is the parable
of the unjust steward.

And somebody read verse 9.

"I tell you, make friends for yourselves

by means of unrighteous wealth,

so that when it fails,
they may receive you

into the eternal dwellings."

You know what? Your money's going to fail.

And so we should be
using it wisely right now.

And if you go back a verse,

read verse 8.

"The master commended
the dishonest manager

for his shrewdness.

For the sons of this world are more shrewd

in dealing with their own generation

than the sons of light."

And some translations say "wiser."

They're wiser in their own generation

or they're more shrewd.

I would say this,

Christians, whatever you
do with your money,

whether you save it up -

because here's the thing,

I think the attitude that we have,

if we're trying to be the best
possible steward that we can,

if suddenly we were to
come into some money

and we were to think -

like I know that Scripture

has some negative things
to say about debt.

But you know what, as a steward,

I did not believe it was bad stewardship

to get a mortgage for this house,

because I believe that
that was being wiser

with my money

than continuously renting.

We were able to pay it off in six years

and now it's paid for.

So I believe that that's wiser.

We each are stewards.

And I would say this,

we need to seek to not let

the people of this world be wiser than us

in what they do with what they have

in accomplishing their
purposes and their goals.

And that's precisely what Jesus is saying,

that as a whole, as a rule,

and as a standard,

the people that are lost out there

do what they do better
than we do what we do.

That's not good.

And He gives us the remedy.

How? Make friends.

You see, the unjust steward made friends.

That's the whole point there.

He made friends.

He had a little bit of time.

He was being removed
from his stewardship.

And what did he do?

He took that time,
he took those resources.

He did what he could do
to prepare for his future,

and that's what Jesus
is saying we should do.

And so I would say this,

whatever it is -

and you know what?

When He gets into v. 10, 11, and 12,

He calls money, He calls riches

"unrighteous mammon."

It may not say that
exactly in your translation,

but that's basically in the original.

That's what it's saying:
unrighteous mammon.

How does it say it in the NAS?

"Unrighteous wealth."

Unrighteous wealth.

Is that the same way it is in the ESV?

James: Sorry, that was the ESV.

Tim: Okay, unrighteous wealth.

Well, think about it.

It's unrighteous wealth even
when the Christian uses it.

And I thought what a thing to say.

And you know what verse jumps out at me

when I hear that

is the parable of the soils.

And you have the third soil type

and it's the one that gets choked.

And what it says is they're choked

by the deceitfulness of riches.

Unrighteous mammon.

The deceitfulness of riches.

I thought about that.

What's the danger?

The danger is we're
professing to be a Christian -

money is a liar.

What does it tell us?

It tells us: stockpile me.

You will need me when you get old.

You'll need me when you get sick.

You'll need me when you retire.

You better depend on me.

If you don't have me stored up,

you think God's going
to come through for you?

You're going to end up being poor.

You're going to end up being
in the worst nursing home.

You better trust me. You need me.

You need lots of me.

It tells us lies. It says, "hope in me."

"I'll make you happy."

"Trust in me."

"I'll fulfill all your desires."

You know what?

In whatever we're doing,

whether we decide

to put it in a mutual fund

or we decide to liquidate it all,

we better not fall for its lies.

We're stewards.

Somebody read v. 10, 11, and 12

and just listen to the
flow of those verses.

"The one who is faithful with very little

is also faithful in much,

and one who dishonest with very little

is also dishonest with much.

If then, you have not been faithful

with the unrighteous wealth,

who will entrust you
with true riches?

And if you have not been faithful

with that which is another's,

who will give you that which is your own?"

It's parallels.

That which is much

over against that which is little.

Well, let's say it the other way around.

That which is little

over against that which is much.

Unrighteous mammon

over against true riches.

That which belongs to another

over against that which is your own.

You know what's very interesting?

The money we have is that which is little.

The money we have is unrighteous mammon.

The money we have is not our own.

We're stewards.

And I would say this,

God entrusts us,

and if He gives us a great
big amount of money,

what we really need to do

is we need to walk before Him

and seek to live faithfully,

because if I've got widows in my family

and I determine I'm going
to put some of this away,

or I've got a family and I've
got a bunch of young children,

and all of a sudden, my health is bad,

it's kind of sizing up the situation

that God is bringing you into.

You know Hudson Taylor.

His wife - Hudson Taylor,

missionary, China, 1800's -

his wife was heiress to a large estate,

and when she turned 25 years old,

she received a massive inheritance.

And Hudson Taylor's
friends back in London,

they told him:

Hudson, invest this.

You and your wife will draw

considerable amount of money off of this.

You'll be able to live out there

on the foreign mission field,
but you know what?

They were driving deep

into the interior of China
right at that time.

There was the progression there.

He prayed for this many.

I think they were actually where they were

praying for a thousand missionaries.

And he said present
demands require all of it.

And he liquidated all of it.

I don't think he was wrong at all

because of present need.

You know, if you come into a sum of money,

it's not just: oh, take Matthew 6:19,

and oh, I better not store it up!

You know what, if I suddenly
came into a big inheritance,

the first thing I would do is just park it

in a bank account

and I would go to serious prayer.

Lord, You've given this to me.

What do You want me to do with it?

And I don't think you have to be hasty.

But if all of a sudden,

there's some massive need over here

and it's got to do with
making friends for yourself

in the eternal dwellings,

well, then jump on it!

Why wouldn't you?

If you fall for its deceitfulness,

and it's like I think I need

all new cars for my family,

and I think I need to live
in a nicer neighborhood,

and I think I need this -

look, you can move from
one house to another.

That doesn't mean that God may
not have given you some of it

so that you can enjoy His
kindnesses in this world.

But we all have to walk before the Lord.

And I'll tell you, when
you look at Scripture,

you know what you find?

You just see this heart.

You see, what are the examples

that tend to really get thrust at us?

Zacchaeus - 50%.

Of course, if he defrauded anybody,

he was going to give four times as much.

You have the widow.
She threw in two mites.

She threw in all she had.

Those early Christians,

they were selling their lands.

You have the church of the Macedonians.

You remember how they were

in extreme poverty,

and yet they're giving

beyond even apostolic expectation

to the poor in Jerusalem.

That's the spirit of what we want to be.

If a Christian is prayerfully
seeking the Lord

and they feel like they should buy,

like if they came into a
large sum of money,

or all of a sudden they got a job
where they were getting money

and they decided to buy some homes

and begin to rent those homes,

I would not find fault with that.

You want to know that you're doing

what you really believe
the Lord wants you to do.

And you want to immerse yourself

in these passages in Scripture.

Because there's no exact rule.

You don't see that.

But I know this,

those things are not your own.

So those things need to
be at God's disposal.

I mean, immediately, any
time He's calling for it,

we need to be ready to do His bidding

and do His will.

You all know Luke 12.

You know there's a fool in Scripture

when it comes to money.

And what was he doing?

He was building bigger barnes.

He was selfish.

You know what Scripture says?

He wasn't rich towards God.

I would just say this,

in whatever you do with the money,

be rich towards God.

And if one person says,

okay, I've got this sum of money.

I'm going to be rich towards God.

I'm giving it all to this
endeavor over here.

There's a present need and
I'm going to meet it.

And another person takes this
big lump sum of money,

they invest it and now with
what they're making from it

they're pouring it into God's work.

Which one did better?

I'm not going to stand
in judgment of that.

We all stand or fall before the Lord,

and if one thought to invest it -

I know this,

I know that if every single Christian

gave away every single penny
that they had right now,

and then there was a need next week,

where are the people to sell
their land to meet the need?

And where are the rich to be ready to meet

like you have there in 1 Timothy 6?

Kind of the idea is
somebody's not giving away

every single thing today.

Somebody actually still has some reserves

when a need arises tomorrow.

Anything?

James: 1 Timothy 6:17 is amazing.

As for the rich in this present age,

charge them, one, not to be haughty;

two, not to set their hopes

on the uncertainty of riches, but on God.

(unintelligible)

Is my hope on these riches

that could be stripped?

And I guess, my question was

he says charge them not to be haughty.

But why is that one of the two
things he's charging the rich with?

Tim: Because rich people tend to be proud.

(unintelligible)

The Proverbs say that the rich man

answers roughly.

Why?

Because he's not afraid he's
going to lose his friends

if he answers roughly,

because people always want to be friends

with the rich guy.

Somebody's always chasing you.

Somebody's always wanting
social life with you.

Somebody always wants
you to be their friend

if you've got money.

I mean, people end up being cocky.

Money brings power -

at least in people's minds.

It brings self-sufficiency.

The poor are dependent on others

and they need help,

and the rich imagine they don't need that.

I mean, obviously, as Christians

we recognize this:

We're all going to be accountable

for what we've been given.

And nobody has anything

except what's been given to them by God.

What you read right there in Luke 16

is it's not our own.

And so, if one guy has

several million dollars from his business

or from inheritance,

and somebody else doesn't have that,

the reality is with both of them -

it's not their own.

And they're going to be called to account.

That's the thing.

What it says is there's a day

when this unrighteous
wealth is going to fail.

And so we're to act now

in light of when it fails.

So we don't want to get into saying

there's an exact formula.

And we don't want to get into a place

where we're judging one another

over how it's used, but I know this,

the Macedonians are set
forth as an example.

And Jesus Christ who was rich became poor

that we might be made rich.

And He is set forth as an example.

This woman who threw in her two mites

is an example.

The early church,

that they held everything in common

for the sake of the needy among them -

that's an example.

The examples in Scripture are of being

ready to meet needs

where those needs show up.

And how any Christian could have reserves

and see a brother in
need and not meet that -

now, if it's a need -

and you know, the thing is,

if I'm the one that has the money,

I actually am the steward

that gets to make the decision

whether your need is really a need.

Now, I'll have to answer
to the Lord for that,

but I'm really in the position to
be the one to determine that.

Because sometimes people
think they have needs

when it's not really a need.

Anything else to say about this?

(from the room)

I also thought of Hebrews 13:5.

Tim: About?

(from the room)

The love of money and being content.

Tim: Being content with
such things as we have.

But I guess, yeah, there's
nothing about this necessarily

that is indicating a discontent.

(from the room)

I was thinking more like
the love of money -

(unintelligible)

Tim: Yeah, one of the things

that we have to deal with

when we're dealing with money

is being honest about our motives

before the Lord.

That's really critical

because we'll deceive ourselves.

I mean, have you ever been in a place

where much like those Jews,

remember when they went to Jeremiah?

And they said seek the Lord for us.

Should we go to Egypt?

What should we do?

And he came to Him and the Lord told him

they've already got their minds made up.

They're going to Egypt.

Tell them don't go to Egypt.

You go down to Egypt, you're going to die.

Have you ever been in the place it's like,

Lord, I just want to
do Your will. Show me.

I am willing to go to the right

or I'm willing to go to the left.

And you might even think you're neutral,

and the Lord says go to the left.

And then all of sudden you feel like:

Wait, I really didn't want to go that way.

And suddenly you recognize,

wow, have you ever been there

where I really thought my motive was pure,

but now that it's being tested,

there's a check in my soul.

Maybe nobody else ever experiences that,

but I've been there before.

I'm glad somebody has.

(from the room)

It's like when your wife asks you

if you want her to wear the
red dress or the blue dress

and you say the blue one and she says

I think I'll wear the red one.

Tim: That would be a perfect example.

But you know, with money,

I've been tested with money.

The Lord's really tested
me on some things.

It's taken a lot of pacing and prayer.

Anything else?

What time do we have?