The rich ruleth over the poor, and the borrower is servant to the lender. Proverbs 22:7
Hey y’all! It’s time to talk money again! When you read that verse, what were your thoughts? Personally, I cringe every time I see it—it’s a punch in the gut. For me, this is student loans, maxed out credit cards, and a car loan. What happened to make me think I needed those to obtain the things that I wanted? How have I benefited from those debts? I haven’t because I didn’t finish college, I can’t use those cards anymore, and that car is an entirely different crap story.
Debt is dumb. Cash is king. Dave Ramsey
The beauty of this is I’m not wallowing in shame about these debts. Are they stupid? Certainly. Does it hurt to have them? Absolutely. Yet I’m encouraged to dig beyond the pain. As I reflect on my life when I first got in debt, I was in a different mental state. I was an immature teenager who thought she knew it all at 18 so I didn’t really listen to the parental advice that tried to encourage me to stay AWAY from loans and keep applying for scholarships. I didn’t heed the warnings about not allowing people to use my credit cards. Even in my 20s, I didn’t grasp the concept that I could find a great car that was road ready without payments. Yet, praise Jesus that I’m able to rectify those mistakes! I don’t have to be a slave forever to these lenders. I get to bring glory to God by cleaning up my mess.
Which brings me to another point. As humans, we get it about how credit, debt, and repayment works (even if it is after we get burned). We know that we can’t keep borrowing without repayment because due dates are coming. The same is true spiritually. Many people are just going through life foolishly incurring sin debts with the notion, “I’ll get it together when I’m older,” or, “YOLO so I’ll live like I want to. After all, God knows my heart.” He sure does, which is why He wrote that 66 book love letter that many people refuse to read. The Lord knows we’re not wise enough on our own to get it right so He’s been trying to guide us in the way we should go. He inspired some of His faithful men to instruct us on how to live wisely, how to enjoy life in unbroken fellowship with Him, and what success looks like. The living God also gave us real-life examples of what life is like when we live in contrast to His will and ways.
For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord. Romans 6:23
Just like we’re getting our finances in order and dealing with this crap, get your life in order and deal with the sin that’s been running you. Seek the Lord while you can and turn from your spiritual wickedness because let me tell you. Sin has a master that you don’t want to serve, and this undealt with debt has eternal repercussions that you don’t want to pay.
*Disclaimer: I am not an affiliate of Ramsey Solutions in any way, shape, or form, nor am I a financial coach. These are merely my opinions and convictions about a program I happen to find beneficial for my family and myself.