When Grace and I got married, and we were divvying up chores, I offered to take care of our finances. Cause I had this very particular plan for how I wanted to do it.
I had lived for a couple of years as a housemate with a married couple named Jody and Curtis before that. And the experience had been wonderful but also really weird for me because I had never really known people like them. I certainly hadn’t ever lived with people like them. They were so generous and interesting and thoughtful. And also so very structured and orderly about life. I had grown up in a household that was more chaotic, I guess you could say, but Curtis and Jody had a plan, a system for everything – how we’d share chores, how we’d pool our money for groceries and take turns cooking, how we’d share our highs and lows of the day over meals.
And I even learned that Curtis and Jody had this elaborate system for how they tracked all their money. Which I was so curious about.
Money had been a really complicated subject in my house growing up. One, there was never enough. And two, it was a source of all kinds of arguments, tension, stress and disappointment. Not now and then, but all the time, like a steady soundtrack in the back of our family life.
So it was intriguing to me that Jody and Curtis had this whole system for managing their money. Every week, they’d open up this computer program, and account for all their income and all their spending, by category, to the dollar, so they knew exactly how much was coming in, where it was going out, and they could try to meet their financial goals and align their money with their values. It may have seemed a little obsessive, Type A, whatever, but they seemed really confident and calm about their finances.
So when Grace and I got married, I was like: good news, honey, guess what we’re going to do with our money. Exactly what Jody and Curtis did. We get that program on our computer now, and we put in our budget categories, and every day, if we spend any money, we drop the receipts here, and I’ll enter it all in and we can make sure we know where our money is going, and we don’t run out, and we’ll be disciplined and save a lot and have enough to give away. Isn’t this great?
And I think if I had been paying better attention, or maybe paying any attention, I would have noticed that Grace was not as excited about this system as me. Like every day? Every dollar? And I was like, yeah, no big deal, I’ll take care of it.
And so I did. But for us, this approach did not have a happy ending. It wasn’t Grace’s fault. She was basically normal and reasonable about things. But I would bug her – bug her over ten dollar discrepancies, bug her over little budget variances, bug her to work the system with me.
I was so rigid, and I was not open to being wrong about this. And I’m lucky I didn’t drive Grace away. But I did cause her a lot of undue pain. Until years later, I was finally willing to delete the computer program so we could start to find a different way forward that worked better for us.
Because I finally started to realize that my rigidity around household finances was controlling, and love doesn’t control. Grace deserved better than that from me.
And my efforts to control our finances, I thought they were born of principles – principles that at the time in my 20’s, I thought were good and right. But in retrospect, I realize that my rigidity and control were born more out of anxiety. So much rigidity and control are born out of anxiety.
And growing up in a household where finances were short and so fraught, I had a fair bit of financial anxiety I didn’t recognize yet. And I’d have to find a way to heal from. And Grace and I would have some healing to do from the pain I caused.
I tell you this story because this is one story of a terrible relationship with money. Which I know is not unusual. Lots of us have terrible relationships with money. As do our cultures and countries and economies.
So today we’re going to talk about healing our terrible relationships with money.
In the Gospel of Luke, our relationship with money is actually one of the dominant themes of Jesus’ teaching and healing ministry.
There’s a lot of passages I could have chosen, but this isn’t a bad starting place. Let’s read a big chunk of the 12th chapter of this book of Luke. And I encourage you to pay attention as you listen to what you like and what you don’t like.
Luke 12:13-34 (Common English Bible)
13 Someone from the crowd said to him, “Teacher, tell my brother to divide the inheritance with me.”
14 Jesus said to him, “Man, who appointed me as judge or referee between you and your brother?”
15 Then Jesus said to them, “Watch out! Guard yourself against all kinds of greed. After all, one’s life isn’t determined by one’s possessions, even when someone is very wealthy.”
16 Then he told them a parable: “A certain rich man’s land produced a bountiful crop.
17 He said to himself, What will I do? I have no place to store my harvest!
18 Then he thought, Here’s what I’ll do. I’ll tear down my barns and build bigger ones. That’s where I’ll store all my grain and goods.
19 I’ll say to myself, You have stored up plenty of goods, enough for several years. Take it easy! Eat, drink, and enjoy yourself.
20 But God said to him, ‘Fool, tonight you will die. Now who will get the things you have prepared for yourself?’
21 This is the way it will be for those who hoard things for themselves and aren’t rich toward God.”
22 Then Jesus said to his disciples, “Therefore, I say to you, don’t worry about your life, what you will eat, or about your body, what you will wear.
23 There is more to life than food and more to the body than clothing.
24 Consider the ravens: they neither plant nor harvest, they have no silo or barn, yet God feeds them. You are worth so much more than birds!
25 Who among you by worrying can add a single moment to your life?
26 If you can’t do such a small thing, why worry about the rest?
27 Notice how the lilies grow. They don’t wear themselves out with work, and they don’t spin cloth. But I say to you that even Solomon in all his splendor wasn’t dressed like one of these.
28 If God dresses grass in the field so beautifully, even though it’s alive today and tomorrow it’s thrown into the furnace, how much more will God do for you, you people of weak faith!
29 Don’t chase after what you will eat and what you will drink. Stop worrying.
30 All the nations of the world long for these things. Your Father knows that you need them.
31 Instead, desire his kingdom and these things will be given to you as well.
32 “Don’t be afraid, little flock, because your Father delights in giving you the kingdom.
33 Sell your possessions and give to those in need. Make for yourselves wallets that don’t wear out—a treasure in heaven that never runs out. No thief comes near there, and no moth destroys.
34 Where your treasure is, there your heart will be too.
So I wonder what you like here.
I like Jesus’ sense of humor.
And I like that Jesus seems to get how terrible our relationships with money are.
I mean this whole section begins with a family’s inheritance squabble. How many of you have seen one of those happen in your extended families? I have. They’re terrible. And I can just sense Jesus backing away – not going to touch that one.
Jesus also recognizes some of our most primal and least regulated urges come around money – the terrible fears we have about the future, the anxiety and greed and hoarding and comparison and compulsive workaholism we’re prone to. And while Jesus has some strong things to say, maybe some harsh things to say, in the end, he’s trying to help.
He calls his followers his little flock –
you beautiful, maybe kind of stupid, but so beloved creatures – God wants better for us all.
I like this.
I wonder what you don’t like, though.
I’ve had trouble over the years figuring out what Jesus is really trying to say. I kind of like the vibe of the whole thing – teasing the super rich, telling us to chill out, learn from the birds and flowers, try to have faith for a change. But when I’ve tried to figure out how to apply these teachings over the years, I’ve found them hard.
Like the guy we call the rich fool – Jesus is poking fun at him, but what’s wrong here? At some level, he’s just practicing what we mostly think of as sound business practices. He’s planning for the future, reinvesting capital in his business so he can keep growing. I feel like his investors might reward this behavior.
Or the advice that he gives afterwards. It seems rigid and extreme –
sell your possessions, give the proceeds to the poor.
Noble, but rare, right?
Or be more like the birds and the flowers.
Jesus takes a shot at the great pride of his culture – Solomon’s temple in Jerusalem. He says
the seasonal wildflowers are more beautiful than the best things we can build with our wealth.
- So should we give up on our palaces and museums?
- Should I cancel my life insurance?
- Liquidate my retirement funds?
This fall I’ve turned to a scholar and organizer whose work I respect to help me dig into this stuff a little more. Ched Myers published a study of Luke this year that he called: Healing Affluenza and Resisting Plutocracy: Luke’s Jesus and Sabbath Economics.
And he highlights some stuff I find helpful.
One thing is about the economics of Jesus’ time he’s taking a dig at. The rich man’s business is what was called a latifundium. This was basically a large estate farmed and sustained by slave labor, or near-slave labor. Like sharecropping in the American south a hundred years ago.
As Rome conquered Palestine, through heavy taxation and debt collection, more land, more wealth, became concentrated in fewer and fewer hands. Hands like this rich man dreaming of his bigger barns and his easy living.
In this case, the system is inherently exploitative. And then on top of that, you have a person who is materially wealthy but just tremendously relationally and spiritually poor.
I used to listen to this podcast by Guy Raz called How I Built This, which each episode would tell the story of a successful company and its founder. And near the end, every time, Guy would ask the entrepreneur:
“How much of your success do you attribute to luck, and how much to hard work?”
I feel like if this rich fool was telling the story of his plantation on the podcast, he would have said:
it’s all been about me, baby.
Jesus says:
this man’s land yielded a rich crop.
But he shows no awareness of the fertility of his land, no gratitude for the Creator who made it, for the good weather that was beyond his control, for the prior stewards of the land that had tended the soil. He shows no awareness of the structural inequities that meant he had all this land – the debtor laws by which he had seized more land, the political connections to Rome or the inheritance by which he had been given land. And he certainly doesn’t indicate any relational sensibility. When he’s thinking about his future, the only person he talks to is himself!
It’s as if the personhood and the labor of the farmers and servants who work the land are immaterial. It’s as if his spouse and his children and everyone else connected to his land and his success aren’t a meaningful part of the picture in his mind. Just cogs, commodities, anonymous and immaterial.
When it comes to money and wealth – wanting it, having it, and lacking it – we’re prone to think personally and privately. Our culture, much more than Jesus’, reinforces this at every turn.
So when I was growing up, the family narrative was that my grandfather was successful at construction in a way my dad wasn’t, and that was at the heart of our money problems. Maybe, partly true. But it never came up that the conditions in the 50’s and 60’s when my grandpa did construction were exponentially more profitable than the time and place my dad was working in the 70’s and 80’s. The shame and failure we can feel about our financial problems isn’t entirely fair – it’s rarely just about us. Same with the pride and self-satisfaction we can feel about our financial successes – those too are rarely just about us.
When Jesus says:
don’t seek money first, seek God’s kingdom and God’s righteousness, he’s saying care more about the things God cares about – things more lasting and meaningful than wealth, absolutely. But he’s also saying – care about how we’re in it together, how we’re all connected – humans to humans, for sure, but also humans to all the rest of creation. We are in this together.
In God’s kingdom, persons matter, one by one, but we also matter because we’re part of a collective that matters. We belong to God, not just ourselves. And to some degree, we belong to each other.
This takes me back to my dollar by dollar attempt to control our finances early in our marriage. What if instead of offering (aka imposing) the system I’d learned that seemed to manage my anxieties, I had shared with Grace what I worried about and wanted for our finances. And then I had just as much listened with curiosity about what she worries about and wanted for our finances. And we had tried to discover together a way of managing our money that worked for both of us. That would have been such a better way to start out for us.
Prioritize our personal wants, our control, our pride, our compulsive need for more – what’s personal and private – and we’ll get ourselves and our worries, where thieves can steal and moths consume.
Prioritize collective well-being – what honors you but also your partner, what honors you but also your co-workers and customers, what honors you but also the land and nation and resources you depend upon – and you might materially flourish still but you’ll definitely get a more loving and sustainable life together.
Where your treasure is, there your heart will be also,
Jesus says.
This reminds me of one more thing from Chet Myers’ work that I found so helpful. He shares an image that was developed in the early 80’s by Hazel Henderson. It’s the image of an economy that looks like a layer cake.
And I love a good chocolate layer cake. My mom makes this incredible chocolate layer cake that her mother made before her, layer after layer of cake and chocolate, cake and chocolate. So good. And somehow I have failed to carry on this family tradition and learn to make it myself. But both Grace and I agree that this cake is one of the glories of my family in heritance. So I have got to learn to make this cake, I think.
Anyway, in this picture of an economy as cake, the top layers are what have money attached to them. All of our personal market transactions – consumer spending and saving. And then all of our large private sector consumption and investments – corporate activity. And then all our public spending – infrastructure, military, government benefits like SNAP. And then our cash-and crypto-currency based, underground, untaxed economy.
And in modern, industrial societies, we think like Jesus’ rich fool – like this is the whole economy. It’s what we use to measure gross national product. It’s what we ascribe value and worth to. We meet someone and ask them: what do you do? And we’re asking about how people participate in these top layers of the cake economically.
But there are two big, important layers underneath all this.
There’s what Hazel Henderson calls the social cooperative love economy. These are all our social, and familial, and communal structures. The do-it-yourself economy, where your friend helps you build your patio. All of the household labors of love and duty – parenting and chores and elder care and sick care. Subsistence farming, mutual aid, lots of church life and programming, community organizations and clubs make up this layer.
And then at the bottom, there’s what she just calls Nature’s Layer, the abundance of the natural world, what we call the natural resources of all of non-human creation. Which we depend upon for all our economic activity and all our survival.
And the thing about this cake is we rarely notice, talk about, and appropriately value the foundational layers.
Back to couples for a minute, we think about and notice our careers and our income disparities, but not so much the disparities in childcare, chores, and the mental load of household management, which in straight couples at least, is still mostly carried by women.
And in all the ways we run our economy, we almost never properly value the natural world we depend upon. We love the pleasures and conveniences and productivity that our latest technologies offer, but we rarely properly price their cost in all the plastics and rare metals and power and water they require and what that all means for the sustainability of our planet.
I wonder if this isn’t part of what Jesus is getting at when he says: pay attention to the lilies and the birds. He doesn’t mean – don’t work hard or don’t plan at all. I mean birds are incredible workers and in their own way, incredible planners as well. I mean birds have been around longer than we have.
But I think Jesus does mean – God’s creation is an important treasure and resource, and also an important teacher for us all.
Birds live personally and collectively. They don’t divide their existence, their economy, into the parts that produce wealth and the parts that don’t.
And birds, best as we know it, aren’t hamstrung by anxiety. They make peace with who they are and what they’ve got, a peace that comes naturally for them but takes faith for us.
Which takes me to where I want to end, friends.
Three takeaways on healing our terrible relationships with money.
One is just what I said. To learn from the birds as much as we learn from the finance experts. Loosen our grip on our plans. Practice a more collective mindset – valuing, treasuring, honoring the layers of our economy we don’t put a price tag on, and valuing the flourishing of the people we’re connected to as much as we value our own. Or at least trying.
The second take away is giving big. We’re turned off by Jesus’ call to
“sell our possessions”
since we take it rigidly, like an all or nothing, and very few of us are going to sell our possessions and take a vow of poverty. But we can all regularly put back significant parts of our wealth and income into the benefit and blessing of others.
Using the biblical model of a tithe – the regular giving of 10 percent of your harvest – as a baseline, Grace and I have made it a baseline standard for ourselves to give away 10-20% of our income per year. We learned this separately in churches, thankfully a shared value, not one I tried to impose! And it’s been a baseline for us to practice the faith that our resources are from our work but from the gift of God. And our resources are not just for us but for others and for the communities we’re connected to. We’re part of a bigger whole, and we’re called to live that way.
Friends, I happen to know that many of you live this way – with open and generous hands as a foundation of your financial lives. And I want to honor your wisdom and faith in this. I pray it keeps giving you joy and freedom!
If Reservoir is your church, I certainly ask that you include this community in your giving. Every church, certainly this one, depends upon its people giving regularly and generously to its collective life and mission. And while we treasure every dollar that is given, what sustains this church are individuals and households that give what for them is big and increase their giving each year their income increases. For those of you that do that, know you are the base layer of Reservoir’s delicious cake. The foundation on which we stand.
If the baseline of a tithe – the outflow of 10% or more of your income feels like too much or out of reach, I encourage you to try an experiment of faith – the giving out of 5 percent of your income – half of a tithe, or whatever would stretch you a little. Try out what will help you practice more open hands with your money, and see what it does for you.
Lastly, I recommend regular and deep habits of gratitude. Jesus says:
where your treasure is, there your heart will be.
Treasure what you don’t have, and your heart will be there. Treasure all that you do have, and that’s a really different experience of the heart. Gratitude is at the center of the ongoing healing of my anxieties, around finances and lots of other stuff.
Daily, regular, deep gratitude helps us learn contentment with all that God has already provided for us. And it gives us permission to keep wanting, keep asking, but to want better and deeper, not just more. Say thank you for a while at the start or end of your day, before meals, whenever – it doesn’t matter. But it matters that we do it, that we do it mindfully, that we linger over our gratitude.
The focus of our minds, the direction of our attention shapes our character and our lives. Where our treasure is, there our hearts will be.