If You Are Living in Sin You Cannot Go To Heaven – Chuck Smith
Of the Providence of God – Thomas Boston
Originally from here.
Are not two sparrows sold for a farthing? And one of them shall not fall on the ground without your Father. — Matt. 10:29
Our Lord is here encouraging His disciples against all the troubles and distresses they might meet with in their way, and particularly against the fear of men, by the consideration of the providence of God, which reaches unto the meanest of things, sparrows and the hairs of our head. Sparrows are of a mean price and small value; and yet, for as mean as they are, God preserves them, guides and disposes of all things concerning them, so that one of them cannot fall to the ground by shot or any other way, without His sovereign ordering and disposal.
The instruction deducible from the text is,
There is a providence that extends itself to the least of things.
In discoursing from this doctrine, I shall,
1. Show that there is a providence.
2. Consider its object.
3. Explain the acts thereof.
4. Consider its properties.
5. Lastly, make improvement.
I. I am to show that there is a providence. This appears,
1. From plain Scripture-testimonies; as Psalm 103:19. “His kingdom ruleth over all.” Acts 17:28. “In Him we live, and move, and have our being,” Eph. 1:11.–“Who worketh all things after the counsel of His own will.” Providence is also held forth by a threefold Scripture-emblem. Chiefly, (1.) Mount Moriah, which upon occasion of the miraculous preservation of Isaac, and a ram to be put in his room in order to be sacrificed, was called JEHOVAH JIREH, i.e. The Lord will provide, Gen. 22:14. (2.) Jacob’s ladder, on which God appears managing all things, Gen. 28. (3.) Ezekiel’s wheels, where there was a wheel in the middle of a wheel, denoting the agency of the first cause, and the superintending and directing providence of God, Ezek. 1.
2. From the nature of God, who being independent, and the first cause of all things, the creatures must depend on Him in their being and working. He is the end of all things, wise, knowing how to manage all for the best; powerful to effectuate whatever He has purposed; and faithful to accomplish all He has decreed, promised, or threatened.
3. From the harmony and order of the most confused things in the world. Every thing appears to a discerning eye to be wisely ordered, notwithstanding the confusions that seem to take place. What would become of the world, if there were not a providence [i.e., divine order and management of the world; the foreseeing care and guidance of God over the creatures of the earth; omnisciently directing the universe and the affairs of humankind with wise benevolence] seeing men that despise all order, and would fain give loose reins to their lusts and unbridled inclinations, are always the greatest party, and would overpower and destroy the smaller and most virtuous party? Herein the truth of providence clearly appears. The extraordinary judgments that have pursued and been inflicted upon wicked men, and the remarkable deliverances that have been granted to the church and people of God in all ages, do loudly proclaim a providence.
4. From the fulfillment of prophecies, which could not possibly be without a providence to bring them to pass.
II. Let us, in the next place, consider the object of providence, or that which it reacheth and extendeth to. And this is all the creatures, and all their actions, Heb. 1:3. –“Upholding all things by the word of His power,” Psalm 103:19. “His kingdom ruleth over all.” The angels are subject to this providence, Neh. 9:6. “Thou, even thou art Lord alone, thou hast made heaven, the heaven of heavens, with all their host, the earth and all things that are therein, the seas and all that is therein, and thou preservest them all, and the host of heaven worshippeth thee.” So are also the devils, these infernal spirits, Matt. 8:31, “If thou cast us out (said they to Jesus), suffer us to go away unto the herd of swine.” It reacheth natural things, as clouds, snow, winds, &c. as appears from Psalm 104, 147. and from daily observation. Casual things are ordered by providence, as lots, Prov. 16:33. “The lot is cast into the lap: but the whole disposing thereof is of the Lord.” So in the case of accidental manslaughter, Exod. 21:13. “If a man lie not in wait, and God deliver him into his hand.” There is nothing so mean but providence extends to it, such as the falling of a sparrow, and the numbering of the hairs of our head. It is God that feeds the fowls and the young ravens that cry. He clothes the lilies and grass of the field, that have no hand of man about them. He made lice, frogs, &c. a plague to scourge Pharaoh and his people, worms to eat up Herod, &c. In a special manner providence is conversant about man, forming him in the womb, “Hast thou not poured me out as milk (says Job), and curdled me like cheese? Thou hast clothed me with flesh and hast fenced me with bones and sinews,” Job 10:10, 11. –bringing him forth out of his mother’s bowels, and holding him up thereafter, Psalm 71:6. His heart is in the Lord’s hand, and all his thoughts and inclinations are under his control, Prov. 21:1. He directs and orders all his steps. The most free acts of the creature’s will are governed by superintending providence. All their good actions, John 15:5. “Without Me ye can do nothing.” So also their evil actions, Acts 4: 27, 28. “For of a truth against thy holy child Jesus, whom thou hast anointed, both Herod and Pontius Pilate, with the Gentiles, and the people of Israel, were gathered together, for to do whatsoever thy hand and thy counsel determined before to be done,” Gen. 45:7. “God sent me before you,” says Joseph to his brethren, though they had wickedly sold him into Egypt. [Edit.–And yet, God was not the author or creator of the sins of Herod, Pilate, or Joseph’s brothers (the error of supralapsarianism). God merely arranged the situations to fit for men who freely chose to be evil; and gave occasion for them to play certain roles in the situations God had put them.]
III. I proceed to consider the acts of providence. They are two, preserving and governing the creatures and their actions.
1. God by His providence preserves all the creatures. This preservation of the creatures is an act of providence, whereby they are preserved in their being and power of acting, Heb. 1:3. “Upholding all things by the word of His power.” In this God sometimes makes use of means, and sometimes acts without means. We have both described, Hos. 2:21, 22. “I will hear saith the Lord, I will hear the heavens, and they shall hear the earth, and the earth shall hear the corn, and the wine, and the oil, and they shall hear Jezreel.” He preserves the heavens immediately, the earth, the corn, the wine, and the oil, &c. mediately. And thus by this providence he provides all things necessary for the preservation of all things; Psalm. 145: 15, 16. “The eyes of all wait upon thee, and thou givest them their meat in due season. Thou openest thine hand, and satisfiest the desire of every living thing.” This act of providence is so necessary, that nothing could subsist one moment without it. For there is no necessary connection between the being of the creatures this moment and their being the next; and as they could not give themselves a being, so they cannot continue it, but must be upheld by God as a ball in the air, Heb. 1:3. There is a continual flowing out of providence necessary for preserving and upholding the creatures in their being, otherwise they would be independent, and could preserve themselves, which is grossly absurd.
1. God does not only preserve the creatures, but governs and manages them, which is the second act of providence; whereby He disposes of all things, persons, and actions, according to His will, Prov. 21:1. “The King’s heart is in the hand of the Lord, as the rivers of water: he turneth it whithersoever he will, Prov. 26:33. “The lot is cast into the lap: but the whole disposing thereof is of the Lord.” Prov. 16:9. “A man’s heart deviseth his way; but the Lord directeth his steps.” And this act of providence is also necessary: for as the creature cannot be or exist without God, so neither can it act without him, Acts 17:21. “For in him we live, and move, and have our being.” God does not make man as the carpenter doth the ship, which afterwards sails without him; but he rules and guides him, sitting at the helm, to direct and order all his motions: so that whatever men do, they do nothing without him: not only in their good actions, where He gives grace, and excites it, working in them both to will and to do of his good pleasure: but also in their evil actions, wherein they are under the hand of Providence, but in a very different manner.
For understanding this point, how the providence of God reacheth to and is concerned in sinful actions, we are to consider, that God neither puts evil into the hearts of men, nor stirs them up to it (so supralapsarianism is wrong): for, says the apostle, Jam. 1:13. “God cannot be tempted with evil; neither tempteth he any man.” And therefore He is not the author of sin. But,
A. God permits sin, when He does not hinder it, which He is not obliged to do. Not that it falls out so as He cannot hinder it, for He is omnipotent, and can do all things; nor yet as if He cared not what fell out in the world; but He does wisely, for His holy ends, efficaciously will not to hinder it: Hence we read, Acts 14:16. that “God in times past suffered all nations to walk in their own ways.” He does not permit sin, in that He will not violate or force the creature’s free will; for God’s providence offers no violence to the will of the creature; and if so, He should never hinder sin at all, for the same reason. But certainly He has holy ends in the permission of sin: for thereby His justice, mercy, wisdom, and love, in sending His Son to save sinners, do conspicuously appear, which otherwise would have been under an eternal cloud, hid from the view of men and angels.
B. For the further illustration of this doctrine relating to the concern of providence in sinful actions, we are to consider them in a twofold respect, as simple actions, or natural actions of the creature, abstract from any obliquity or deformity cleaving to them; and as actions having irregularity and depravity in them. Considered as natural actions of the creature, they are all effected by the providence of God, which co-operates with, and enables the creature to produce them, in such a manner that without the flowing out of providence the creature could not move a hand or foot, or perform any action whatever; “for in Him we move:” and no action of the creature simply considered, or as a natural action, can be sinful, but has a goodness of being in it, and is effected by the influence of providence. As to the depravity or sin that is in actions, as God decreed the future existence of sin, or permitted it to take place, and did not hinder it; so all the sin or defectiveness that is in actions proceeds entirely from the creature, and the evil lusts and passions that are in his heart. Thus a man’s taking up a stone, and throwing it, is a natural action, which the providence of God enables him to perform; but his throwing it at another man with an intention to kill him, is permitted by God, otherwise it could not take place; for if a hair cannot fall from our head without the providence of God, much less can a man be murdered without it: and the killing of the man by the throwing of the stone, proceeds entirely from the malice and wickedness that was in the heart of the murderer, the operation of which God did not hinder, which He is nowise obliged to do.
1. God leaves the sinner so far as He sees fit to the swing of his own lusts, and denies him restraining grace. Thus it is said of Hezekiah, a godly king, that, “in the business of the ambassadors of the princes of Babylon, who sent unto him to inquire of the wonder that was done in the land, God left him, to try him, that he might know all that was in his heart,” 2 Chron. 32:31. And when the restraint is taken off the sinner, he runs furiously, to evil.
2. God bounds sin, and restrains men in their sins, as he does the raging sea, allowing it to go so far, but no further. He has such a power and command over wicked men, that they are not masters of their own affections and dispositions, but many times act quite contrary to what they had firmly resolved and proposed: as in the case of Laban. He pursued Jacob, when he left Padan-aram, in order to return into his own country, with a wicked intention to do him hurt, by robbing him of his wives, children, and cattle; but the Lord restrained him, and influenced him to enter into a covenant of friendship with the good patriarch, Gen. 32. Thus Esau had resolved on Jacob’s death, and went out to meet him with a purpose to destroy him; but when providence brought them together, it is said,”Esau embraced Jacob, and fell on his neck, and kissed him.” Thus Balaam came with an express intention to curse Israel, and yet he fell a blessing them. Thus he bent the hearts of the Egyptians to favor the Israelites, so that they sent them away with great riches, by lending them jewels of silver and jewels of gold, and costly garments. Thus, by a secret instinct, he turned Jehoshaphat’s enemies away from him, when they came with a purpose to destroy him, 2 Chron. 18:31; and at another time he turned his enemies against themselves, so that they sheathed their swords in one another’s bowels, 2 Chron. 20. Thus also he restrained the soldiers that broke the legs of the two thieves that were crucified with Christ, from touching his, in order to accomplish His Word, that a bone of the paschal lamb, which was a type of Christ, the Lamb of God, should not be broken. So true is that saying of the Psalmist, Psal. 76:10. “Surely the wrath of man shall praise thee: the remainder of wrath shalt thou restrain.” God has a bridle in the mouths of wicked men, when they are under the most impetuous fury of their lusts, to turn them as He will, restraining and curbing in respect of some, and giving swing to others.
3. Lastly, God over-rules all to a good end. God has one end in wicked actions, and the sinner another. The sinner minds and intends evil, but God means and designs good by them all. So Joseph’s brethren, in their cruelly selling him for a slave, meant evil to the poor youth; but God, in that dispensation meant it for good, and brought much good out of it to Joseph, and his father and brethren. Thus the Jews crucified Christ out of malice against him; but God by that crucifixion intended satisfaction to His justice for the sins of men, and the redemption and salvation of an elect world. Thus God brings good, the greatest good out of the worst of evils. What greater evil or more atrocious wickedness can be imagined, than the violent death of the innocent Son of God, who went about doing good, and was holy, harmless, undefiled, separate from sinners? and yet what a rich and astonishing good resulted therefrom, even glory to God, and peace and good-will towards men!
IV. Our next business is to consider the properties of divine providence.
1. God’s providence is most holy, Psalm 145:17. “The Lord is righteous in all His ways, and holy in all His works.” Even though providence reach to and be conversant in sinful actions, yet it is pure; as the sun contracts no defilement, though it shine on a dunghill. For God is neither the physical nor moral cause of the evil of any action, more than he who rides on a lame horse is the cause of his halting. All the evil that is in sinful actions proceeds and flows from the wicked agent, as the stench of the dunghill does not proceed from the heat of the sun, but from the corrupt matter contained in the dunghill.
2. It is most wise, Isa. 28:29. “This cometh forth from the Lord of hosts, who is wonderful in counsel, and excellent in working.” Infinite wisdom always proposes the most excellent ends in all its operations, and uses the best methods for accomplishing its ends. However perplexed, confused, and void of wisdom providential administrations may appear to us poor mortals of narrow, shallow capacities, yet they are the result of the highest wisdom and the deepest counsel, as proceeding from and directed by Him whose name is the only wise God, and cannot but manage all things with the greatest understanding. And the day will at last come when it shall be said by the united voice of the whole assembly and church of the first-born, that God hath done all things well: and then the plan of providence will appear in every respect to have been most wise, harmonious and consistent.
3. Providence is most powerful. Hence the Lord says to Sennacherib, the king of Assyria, “I will put My hook in thy nose, and My bridle in thy lips, and I will turn thee back by the way by which thou camest,” II Kings 19:28. “The king’s heart is in the hand of the Lord, as the rivers of water: He turneth it whithersoever He will.” Who can resist His will which is almighty? He can never fail of His end, but all things fall out according to His decree, which is efficacious and irresistible.
I shall conclude with an exhortation.
1. Beware of drawing an excuse for your sin from the providence of God; for it is most holy, and has not the least efficiency in any sin you commit. Every sin is an act of rebellion against God; a breach of His holy law, and deserves His wrath and curse; and therefore cannot be authorized by an infinitely holy God, who is of such pure eyes that He cannot look at iniquity without detestation and abhorrence. Though He has by a permissive decree allowed moral evil to be in the world, yet that has no influence on the sinner to commit it. For it is not the fulfilling of God’s decree, which is an absolute secret to every mortal, but the gratification of their own lusts and perverse inclinations, that men intend and mind in the commission of sin.
2. Beware of murmuring and fretting under any dispensations of providence that ye meet with; remembering that nothing falls out without a wise and holy providence, which knows best what is fit and proper for you. And in all cases, even amidst the most afflicting incidents that befall you, learn submission to the will of God; as Job did, when he said, in consequence of a train of the heaviest calamities that happened to him, “The Lord gave, and the Lord hath taken away, blessed be the name of the Lord,” Job 1:21. In the most distressing case say with the disciples, “The will of the Lord be done,” Acts 21:14.
3. Beware of anxious cares and insecurity about your load-bearing in the world. This our Lord has cautioned his followers against, Matt. 6:31. “Take no thought (that is, anxious and perplexing thought), saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed?” Never let the fear of man stop you from duty, Matt. 10:28, 29.; but let your souls learn to trust in God, who guides and superintends all the events and administrations of providence, by whatever hands they are performed.
4. Do not slight means, seeing God worketh by them; and he that hath appointed the end orders the means necessary for gaining the end. Do not rely upon means, for they can do nothing without God, Matt. 4:4. Do not despond if there be no means, for God can work without them, as well as with them; Hos. 1:7. “I will save them by the Lord their God, and will not save them by bow, nor by sword, nor by battle, by horses, nor by horsemen.” If the means be unlikely, he can work above them, Rom. 4:19. “He considered not his own body now dead, neither yet the deadness of Sarah’s womb.” If the means be contrary, he can work by contrary means, as he saved Jonah by the whale that devoured him. That fish swallowed up the prophet, but by the direction of providence, it vomited him out upon dry land.
5. Lastly, Happy is the people whose God the Lord is: for all things shall work together for their good. They may sit secure in exercising faith upon God, come what will. They have ground for prayer; for God is a prayer-hearing God, and will be inquired of by His people as to all their concerns in the world. And they have ground for the greatest encouragement and comfort amidst all the events of providence, seeing they are managed by their covenant God and gracious Friend, who will never neglect or overlook His dear people, and whatever concerns them. For He hath said, “I will never leave thee, nor forsake thee,” Heb. 13:5.
Lord, In The Morning – Isaac Watts
Em Am Em
Lord, in the morning Thou shalt hear
D B
My voice ascending high;
B Em Am
To Thee will I direct my prayer,
Am G Em
To Thee lift up my eye.
Up to the hills, where Christ is gone
To plead for all His saints,
Presenting at His Father’s throne,
Our songs and our complaints.
Thou art a God before Whose sight
The wicked shall not stand;
Sinners shall ne’er be Thy delight,
Nor dwell at Thy right hand.
But to Thy house will I resort,
To taste Thy mercies there;
I will frequent Thine holy court,
And worship in Thy fear.
O may Thy Spirit guide my feet
In ways of righteousness!
Make every path of duty straight
And plain before my face.
The men who love and fear Thy Name
Shall see their hopes fulfilled;
The mighty God will compass them
With favor as a shield.
The Pharisee and the Publican – John Bunyan
Originally from here.
“Two men went up into the temple to pray; the one a Pharisee, the other a Publican. The Pharisee stood and prayed thus with himself, God, I thank thee, that I am not as other men are, extortioners, unjust, adulterers, or even as this Publican. I fast twice in the week, I give tithes of all that I possess. And the Publican standing afar off would not lift up so much as his eyes unto heaven, but smote upon his breast, saying, God be merciful to me a sinner.” –Luke 18:10-13
From these words I gather these several conclusions, with these inferences.
1. It doth not always follow, that they that pray do know God, or love Him, or trust in Him. This conclusion is evident by the Pharisee in the text; he prayed, but he knew not God, he loved not God, he trusted not in God; that is, he knew him not in His Son, nor loved, nor trusted in Him. He was, though a praying man, far off from this.
Whence it may be inferred, that those that pray not at all cannot be good, cannot know, love, or trust in God. For if the star, though it shine, is not the sun, then surely a clod of dirt cannot be the sun. Why, a praying man doth as far outstrip a non-praying man as a star outstrips a clod of earth. A non-praying man lives like a beast. “The ox knows his owner, and the ass his master’s crib; but this man doth not know, but this man doth not consider;” Isa. i. 3. The prayerless man is therefore of no religion, except he be an Atheist, or an Epicurean. Therefore the non-praying man is numbered among the heathens, and among those that know not God, and is appointed and designed by the sentence of the Word to the fearful wrath of God; Psal. lxxix. 6; Jer. x. 25.
2. A second conclusion is, That the man that prays, if in his prayer he pleads for acceptance, either in whole or in part, for his own good deeds, is in a miserable state. This also is gathered from the Pharisee here; he prayed, but in this prayer he pleaded his own good deeds for acceptance, that is, of his person, and therefore went down to his house unjustified. And he is in this condition that doth thus. The conclusion is true, forasmuch as the Pharisee mentioned in the parable is not so spoken of for the sake of that sect of men, but to caution, forewarn, and bid all men take heed, that they by doing as he, procure not their rejection of God, and be sent away from His presence unjustified. I do therefore infer from hence, that if he that pleadeth his own good doing for personal acceptance with God be thus miserable, then he that teacheth men so to do is much more miserable.
We always conclude, that a ring-leader in an evil way is more blameworthy than those that are led of him. This falls hard upon the leading Socinians and others, who teach that men’s works make their persons accepted of God.
True, they say, through Christ; but that is brought in merely to delude the simple with, and is an horrible lie; for we read not in all the Word of God as to personal justification in the sight of God from the curse (and that is the question under consideration), that it must be by man’s righteousness as made prevalent by Christ’s, but contrariwise, by His and His only, without the deeds, works, or righteousness of the law, which is our righteousness. Wherefore, I say, the teachers and leaders of this doctrine have the greater sin.
3. A third conclusion is, They that use high and flaunting language in prayer, their simplicity and godly sincerity is to be questioned as to the doing of that duty sincerely. This still flows from our text; the Pharisee greatly used this: for higher and more flaunting language can hardly be found than in the Pharisee’s mouth; nor will ascribing to God by the same mouth laud and praise help the business at all: for to be sure, where the effect is base and rotten, the cause cannot be good.
The Pharisee would hold himself that he was not as other men, and then gives thanks to God for this: but the conclusion was most vilely false, and therefore the praise for it could not but be foolish, vain, and frivolous. Whence I infer, that if to use such language in prayer is dangerous, then to affect the use thereof is yet more dangerous. Prayer must be made with humble hearts and sensible words, and of that we have treated before; wherefore high, flaunting, swelling words of vanity, become not a sinner’s mouth; no, not at any time; much less when he comes to, and presents himself before God in that solemn duty of prayer. But, I say, there are some that so affect the Pharisee‘s mode, that they cannot be well if in some sort or other they be not in the practice of it, not knowing what they say, nor whereof they affirm; but these are greatly addicted to hypocrisy and desire of vain-glory, especially if the sound of their words be within the reach of other men’s ears.
4. A fourth conclusion is, That reformation and amendment, though good, and before men, are nothing as to justification with God. This is manifest by the condition of our Pharisee: he was a reformed man, a man beyond others for personal righteousness, yet he went out of the temple from God unjustified; his works came to nothing with God. Hence I infer, that the man that hath nothing to commend him to God of his own, yet stands as fair before God for justification, and so acceptance, as any other man in the world.
5. A fifth conclusion is, It is the sensible sinner, the self-bemoaning sinner, the self-judging sinner, the self-abhorring sinner, and the self-condemning sinner, whose prayers prevail with God for mercy. Hence I infer, that one reason why men make so many prayers, and prevail no more with God is, because their prayers are rather the floatings of Pharisaical fancies than the fruits of sound sense of sin, and sincere desires of enjoying God in mercy, and in the fruits of the Holy Ghost.
—–
Thoughts On the Preceding
Since the time of the Reformation, Luther and Calvin criticizing the Anabaptists, and others criticizing the Puritans, Methodists, and other revivalists, have come to use the parable of the Pharisee and the publican in their polemic against the “self-righteousness” and “legalism” of Protestants who lay an emphasis on personal righteousness [see Leonard Verduin’s The Reformers and Their Stepchildren, pp. 114-115]. As you can see though, Bunyan, who has long been trusted as rightly dividing the Word in the Reformed tradition, treats the parable differently.
First, Bunyan concludes at the end of his whole book The Pharisee and the Publican (1685), that the parable is NOT instructing people against striving for personal righteousness.
Second, the parable IS instructing people on how to pray correctly. Bunyan maintains that, because the Pharisee just kept on saying “I thank God” and listed the attributes of his personal righteousness in comparison to another man, he received nothing from God, because he asked for nothing in petition. The Pharisee was only doing a prayer of thanksgiving, as is often the case with proponents of the prosperity gospel today, who, as close as they come to it, say, “God, I thank you in advance for blessing me (because I deserve it).” Instead, Jesus is teaching people to pray like the publican, with a spirit that is sin-sensitive, self-judging, self-bemoaning, self-hating, and self-condemning. If we pray to God like that, with a sense of the enormity of our guilt and failings at keeping God’s law, then God will show us mercy and bless us.
Third, Jesus is not downplaying the important of obedience to God’s law, as antinomians are apt to imply. They say, “The Pharisee represents someone who emphasizes obedience to God’s law, whereas the publican is a filthy, rotten sinner–so we should sin, so that grace may increase. We should imitate the sinful lifestyle of the publican, so that, when its time to pray, we may be able to imitate him, and say, ‘God be merciful to me a sinner.'” This is not at all what Jesus is meaning. This parable is an object lesson in prayer and prayer only. It does not touch lifestyle so much as in how we approach God in prayer.
Fourth, Christ would have both the Pharisee and the publican to repent and believe in the cross, living their lives in holiness, the fear of God, and obedience to God’s moral law. However, Christ would have us, by living holy lives, to be realistic in the evaluation of ourselves, as Paul was in Romans 7:23-25: “I see another law at work in the members of my body, waging war against the law of my mind and making me a prisoner of the law of sin at work within my members. What a wretched man I am! Who will rescue me from this body of death? Thanks be to God – through Jesus Christ our Lord!” In so doing, Jesus is rebuking Pelagianism.
Fifth, this parable is not a non-judgmental parable, as modern antinomians make it out to be. They say, “Because the Pharisee was judging the publican for his sins, God was displeased; and so, this is an object lesson against judging people.” No. The sin of the Pharisee was that he did not acknowledge his own faults and shortcomings. He was a perfectionist. He thought he was perfect. That was the sin of the Pharisee; not that he was trying to judge right from wrong. If that were the case, then God would be against people thinking about morals! Bunyan even rebukes the Socinian heretics in the above article, who like the Pharisee, believed that they could earn God’s favor by doing good works. (So, Bunyan even uses apologetics in the above, to criticize and judge a cult.) Their attitude towards good works should have been more Christian: “When you have done all those things which you are commanded, say, ‘We are unprofitable servants. We have done what was our duty to do’” (Luke 17:10).
In conclusion, the parable of the Pharisee and the publican is in no way supposed to discourage Christians from striving after “holiness and righteousness all the days of our lives” (Luke 1:75). Those who try to imply that godly, world-renouncing people are just like the Pharisee in this parable are confusing the whole matter addressed here. It is a teaching on prayer. It is saying that although holiness is required of all men, including the publican–that when we pray, like the publican, we should not be overly sensible of what appear to be our accomplishments or good works, that we have done in obedience to God’s Word. But on the contrary, we should be mindful of our failings, sins, and shortcomings, and will be justified before God after our prayers are over.
I Will Give You Rest! God’s Cure for Condemnation, Guilt and Fear – David Wilkerson
Originally from here.
God has promised His people a glorious, incomprehensible rest, which includes peace and security for the soul. The Lord offered this wonderful rest to the children of Israel. It meant a life full of joy and victory – a life without fear, guilt or condemnation. But up to the time of Christ, no generation of believers ever walked fully in this blessed promise. As the Bible makes very clear, they never obtained it because of their unbelief!
“…they could not enter in because of unbelief” (Hebrews 3:19).
Because of their unbelief, God’s people went through life full of misery, doubt, fear, restlessness. They missed the promised rest during the period of the kings and prophets. God also offered it to David’s generation, but they didn’t enter into it, either. In every generation it was refused – never appropriated, never understood.
That is why, when we read Hebrews 4, we find this glorious life of faith still unclaimed:
“There remaineth therefore a rest to the people of God” (4:9).
Yet this passage also adds: “…some must enter therein…” (verse 6).
My Prayer Is That Today You Will Enter
Into the Rest God Has for You!
The Bible admonishes present-day believers with a warning:
“Let us therefore fear, lest, a promise being left us of entering into his rest, any of you should seem to come short of it” (4:1).
Few believers have entered into this promised rest. On the contrary, many are tossed about by winds and waves of doctrines. Thousands upon thousands claim to be filled with the Spirit of God – yet many are restless, guilt-laden, with no security in Christ.
As long as these Christians are surrounded by their believing friends and everything is going fine, they can talk confidently about walking in victory. But when the enemy blows his ferocious winds of adversity upon them, they are pushed and pulled, cast down, with no strength to resist. Many are overwhelmed by temptation. They end up falling – and afterward they are crushed by guilt and shame, wondering if they’re even saved. They completely fall apart – wiped out by adversity!
In some churches, victory is measured by manifestations of the flesh. A couple left our church a few years ago because, as they put it, “You people don’t know how to ‘shout.'” They said that in their previous church, the congregation “shouted” during services, often for three or four hours. The people would dance around and scream at the top of their lungs.
The problem was, this couple was hooked on pornography. Often after a Sunday morning service, they spent the afternoon in a cheap porno theater. Then they came back for the evening service to try to “shout out” their guilt and quiet their conscience. Their standing in Christ was based completely on their emotions and on a bizarre notion of works.
The fact remains that very few believers have any concept of what it means to rest in their salvation. They don’t possess the rock-solid peace and security that all Christians have available to them in Jesus Christ, which can carry them through any storm. Instead, they are crippled with agonizing fear and condemnation, and they go from one extreme to another. One minute they’re overflowing with joy, sure of heaven, witnessing boldly. The next, they’re downcast – discouraged by even the smallest failure.
Such Christians live according to feel-good emotions. They judge their security in Christ by how “good” they can be – how faithful they are to obey God’s Word, or how much victory they can achieve in putting off some besetting sin.
This is partly why so many Christians end up backsliding. Their faith is rooted and grounded in feelings, rather than on the eternal Word of God. They have no solid foundation of truth to undergird their faith. They’ve never taken the time to comprehend the meaning of the Cross of Jesus Christ and its victory!
I ask you: Have you ever backslidden? Have you ever grown cold toward the Lord, quit going to church, wanted your own way? Let me tell you why it happened: You backslid because you didn’t fully understand how to bring your soul into rest! You never understood what it means to be accepted in Jesus Christ – to rely on His righteousness and not your own.
Jesus said, “Come unto me, all ye that labour and are heavy laden, and I will give you rest. Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls. For my yoke is easy, and my burden is light” (Matthew 11:28-30).
Christ is telling us very plainly: “Don’t attempt to take on a walk with Me until you are at rest in your soul!”
If you do not have this rest – this wonderful confidence in what the Word of God says Jesus did for you – His yoke won’t be easy or light. On the contrary, you will spend your time striving in the flesh to please God. You will go from hot to cold – living with unnecessary guilt and shame!
I Believe the Key Lies in These Words: “Learn of Me!”
Jesus is speaking here of the discipline of learning who He is and what He accomplished on the Cross. He is saying, “You have to have a knowledge of what I’ve done for you. Then, once your soul is at rest, you can take on My yoke. So, learn of Me!”
Yet we don’t want this kind of discipline. We want the easy way! We’re like schoolchildren who want to stay on the playground rather than go back into the classroom. We’ll spend years disciplining ourselves in learning to become a doctor, a nurse, a minister, a teacher. We know that any career or calling takes great study and effort. But when it comes to actually serving Jesus, we choose to be airheads! We follow Him as spiritual simpletons.
Perhaps today you testify, “I’m reading my Bible now and praying a little each day. I’m doing battle in my life and at home. I’m trying hard to do better!”
Dear saint, let me tell you straight: That is not enough! None of these things will keep you through the coming storm. It’s not enough to try hard, to make promises to God, to strive and struggle to be better. It’s not enough to say, “I’m more diligent than before.” No – it’s all about going after a revelation of what Jesus did for you at the Cross!
Something should cry out in all of us: “Oh Jesus, Your Word says I can live in total rest, peace and security. I don’t have to strive in my flesh or live in an up-and-down state, tossed about by guilt or fear. You have set before me the promise of a life at rest.
“But I don’t have that rest! My life is just the opposite – in constant turmoil, with no steady peace, always unsure. Oh, Lord, I want Your rest! I desire to have it with everything that’s in me. Teach me by Your Spirit how to enter Your rest!”
I know of only one way to enter into this rest. There is a truth that – if understood and appropriated – will usher you into the most glorious peace and security possible on this side of heaven. It is the foundational truth upon which all others are built.
That truth is the doctrine of justification by faith! It is the truth that ends all attacks of insecurity. And it is the one doctrine you must understand if you hope to enter into the rest Jesus offers. We have to know what it means to be justified by faith in Jesus’ work!
I can only touch on the highlights of this wonderful, magnificent doctrine. Yet I believe God desires to lead His church further into this divine truth – to give us a foundational strength that will hold us up in the days to come.
Sadly, however, when you mention the subject of “doctrine” to many Christians, they turn up their noses. They say, “I don’t want to hear all that deep, heavy stuff. Just give me Jesus!” Yet what they really mean is, “I don’t want to spend the time or discipline to learn what Jesus did at the Cross.”
Too many Christians become only emotionally involved with the Cross and never truly study it. I’ve heard many preachers deliver emotional appeals about Jesus on the Cross – about His beatings, the crown of thorns on His head, the spikes driven into His hands. But I believe the preaching of the Cross is about much more than that: It’s about the victory of the Cross! It’s about what Jesus did there for all of humankind.
For those who desire to “learn of Him” -who want to understand Jesus’ wonderful work at Calvary – let me try to explain as simply as possible this concept of justification by faith:
What Does It Mean to Be Justified Before God?
Two things are involved in our justification by the Cross of Jesus Christ:
- First, we have pardon for all our sins. When Jesus went to the Cross, His blood pardoned us from all guilt and iniquity.
- Second, we are accepted by God as righteous in Christ, through faith. This means God accepts us not because of our works or any good deeds, but on the merits of what Jesus alone did on the Cross.
“Who shall lay any thing to the charge of God’s elect? It is God that justifieth” (Romans 8:33).
Yet, when we sin, we are accused by two powerful forces. The first is Satan, whom the Bible calls the accuser: “…(who) accuseth (us) before our God day and night” (Revelation 12:10).
Right now, as you read this message, the devil stands before the heavenly Father, accusing you of every fresh failure, every renewed sin. He brings out a list of all your shortcomings, whether in word or deed, and demands of God: “If You are holy, then You’ll do something about this. If there is any justice in You, You’ll judge this person for his sin. You’ve got to condemn him to the same hell You’ve damned me to for my pride!”
Most of the time the devil has a good argument. He’s got a right to accuse you because you are guilty – you did sin, you were disobedient. And that leads to the second powerful force that accuses you: your own conscience.
“…their conscience also bearing witness, and their thoughts the mean while accusing or else excusing one another” (Romans 2:15).
You stand before God with your head hanging low, because you know you’ve been caught red-handed. Your conscience lets you know, “I am guilty before God.”
And God does not deny our guilt, because He cannot lie. He never sees us as innocent – because we are plainly guilty before Him, caught in the web of sin. Indeed, our justification has nothing to do with our being innocent. When God pardons us because of the Cross, it is as guilty lawbreakers. He never vindicates us; rather, He forgives us – pardoning our sins by His grace and mercy alone.
- “I, even I, am he that blotteth out thy transgressions for mine own sake, and will not remember thy sins” (Isaiah 43:25).
- “…thou hast cast all my sins behind thy back” (38:17).
- “…thou wilt cast all their sins into the depths of the sea” (Micah 7:19).
God pardons us because of the blood of Jesus Christ. And this pardon is totally undeserved. We deserve hell, judgment, damnation – but Jesus took all our sins on Himself at the Cross and pardoned us completely.
Picture yourself before God’s throne right now. There you stand with no excuse, no alibi. Satan is present as your legal adversary, reading off the list of charges – with times, places, events, every shameful detail. He makes accusations of pride, prayerlessness, covetousness, unfaithfulness. And your heart smites you – because you have to admit, “Yes, that’s me. I did it all!”
It looks hopeless for you. You know God’s eyes are too holy to look upon sin, and His justice demands that you pay for your crimes against His holiness. You are helpless.
But suddenly, here comes your Lawyer, your Advocate. He stretches forth His nail-scarred hands to you – and you know something is about to happen! He smiles and whispers, “Don’t be afraid – none of these charges will stand. You’re going to walk out of this courtroom free and fully pardoned. When I’m finished, your accuser won’t have one charge left against you!”
Best of all, your Lawyer tells you He has adopted you! He is pleading your case as your Brother. Then He tells you He is the Son of the Judge – so that now you belong to the Judge’s family as well!
But there is still the matter of justice. What about the charges against you? You listen in absolute wonder as your Advocate pleads your case:
“Judge, You know that I fulfilled the law, living a sinless life. And then I took this person’s place, taking on all the punishment for his crimes. Through these nail-scarred hands and My pierced side, blood came forth to blot out all of his transgressions. All these accusations and charges You’ve heard were put on My back. And I paid the penalty for every one of them.
“Satan, you have no grounds to accuse My child. Each of his sins was placed on Me, and I have fully pardoned them all. He is not guilty – because his faith in the victory of My sacrifice gives him full, complete pardon. You have no case!”
As the devil slinks out of God’s court, you can hear the blessed Lord cry out:
“Who shall lay any thing to the charge of God’s elect? It is God that justifieth” (Romans 8:33).
The First Part of Justification Is the Pardon Of Our Sins by Grace –
And the Second Part Is Our Acceptance Into God’s Beloved!
Paul gives us a list of those unrighteous who will not inherit the kingdom of God:
“…neither fornicators, nor idolaters, not adulterers, nor effeminate, nor abusers of themselves with mankind, nor thieves, nor covetous, nor drunkards, nor revilers, nor extortioners, shall inherit the kingdom of God” (1 Corinthians 6:9-10).
But then the apostle adds:
“And such were some of you: but ye are washed, but ye are sanctified, but ye are justified in the name of the Lord Jesus, and by the Spirit of our God” (verse 11).
How did these people, saved out of such horrible sin, become righteous before God? What happened to them, that they were no longer evil but, rather, accepted by God?
First of all, God is no respecter of persons – not of a king, a queen, a president or a prime minister. He is not at all impressed by man’s honor.
And second, God is not charmed by any goodness in us. Long prayers, fasting, tithing, Bible study, benevolent acts – none of these makes us righteous or acceptable to God. Even our “good” flesh – good character, speech, thoughts and deeds – are a stench in His nostrils if used as a plea for our own righteousness.
Yet few of us seem to believe this. For example: When we first came to trust in Christ, we trusted our sins were forgiven. We believed we were accepted, that we could lay down all guilt and fear. We could say, “I am saved by faith alone in what Jesus did for me at the Cross!”
But then, as we proceeded in our walk with Jesus, fresh acts of disobedience befell us. We were crushed by our sins, and we quickly lost our vision of the Cross. We tried to work out our righteousness -to win back God’s favor – by trying harder the next time. But our life then became a nightmarish merry-go-round of sin and confess, sin and confess…
Even today we have the idea that whenever we sin or fail God, we need to appease Him. We cry a river of tears and promise, “I won’t do it again, Lord.” And we sing that old gospel song I so despise: “Forgive me, Lord, and try me one more time…”
We act as if trying harder in our flesh can save us! We think if we could just reform this flesh of ours, God would be pleased. So we’re constantly working on our old man, to shape him up for a victorious Christian walk. But it will never happen!
You see, when Jesus went to the Cross, He crucified our “old man.” And that old man of the flesh has been wiped away in God’s eyes. Instead, there is only one Man left – only One whom God will deal with – and that is His Son. When Jesus finished His work on earth and was set down at the right hand of the Father, God said, “From now on I recognize only one Man, only one righteousness. And anyone who comes to Me must come through Him – My Son. All who would be righteous must accept His righteousness, and no other!”
We are accepted in God’s eyes only by faith in Christ and His work:
“…he hath made us accepted in the beloved” (Ephesians 1:6).
Do you see how important it is to abide in Jesus – to come to Him quickly whenever you fail? You must learn to run to Him, crying, “Jesus, I’ve failed You! I can’t work this out. No matter what I do, I can never be recognized before the Father – except as I come to Him in You. My only plea is the blood!”
Some Christians may answer, “But I paid a high price for the victory I’ve achieved. I went through a lot of pain and suffering. I fasted, prayed, bit the bullet. And I’ve put to death my besetting sin. I’ve successfully put down all my lusts and sinful desires.
“But now you’re asking me to cast off all this and declare it to be dung? Is my struggle to obey worth nothing to God? Does He consider all my righteousness, all my hard work, as filthy rags?”
Yes! It is all stinking flesh – and none of it will stand before Him. It doesn’t matter what you’ve conquered. Your righteousness will never work as a means of acceptance. There is only one righteousness – and that is the righteousness of Jesus Christ! The righteousness and victory achieved by human struggle alone is only temporary. Failure soon follows.
“For they being ignorant of God’s righteousness, and going about to establish their own righteousness, have not submitted themselves unto the righteousness of God” (Romans 10:3).
Paul is saying, “These people have not given up their own works. They are still striving in the flesh to please God!”
The only way to get into God’s good grace is to admit the truth: “There is no good thing in my flesh, nothing in my good works to merit my salvation. I can’t become righteous through anything I do in my own strength. My righteousness is in Christ alone!” Paul says of the gift of righteousness:
- “…they which receive abundance of grace and of the gift of righteousness shall reign in life by one, Jesus Christ…” (Romans 5:17).
- “For he hath made him to be sin for us, who knew no sin; that we might be made the righteousness of God in him” (2 Corinthians 5:21).
- “But of him are ye in Christ Jesus, who of God is made unto us wisdom, and righteousness, and sanctification, and redemption: that, according as it is written, He that glorieth, let him glory in the Lord” (1 Corinthians 1:30-31). The only thing we have to boast in is Jesus – and His great work for us!
Jeremiah foresaw the victory of the Cross of Christ. He proclaimed:
“In those days Judah shall be saved, and Jerusalem shall dwell safely: and this is the name wherewith she shall be called, The Lord our righteousness” (Jeremiah 33:16).
The prophet was looking forward to our day – to a body of believers who would live in great security of faith. He was saying, “God’s Branch will soon come forth. And through His sacrifice a people will rise up who live in security and peace, because they are able to say, ‘The Lord is my righteousness.'”
Beloved, justification by faith is the most humbling thing in the world. It is hard to see that God doesn’t accept our flesh – that we must set aside our constant strivings and rest in Jesus’ obedience. Indeed, we must learn to depend wholly on Christ for all power to obey.
When Paul first revealed this truth, it shook the church. It was incredible news at that time. In fact, some theologians responded, “If I’m pardoned – if God is so merciful to forgive me freely by faith alone – then let me sin even more, so God can enjoy giving me more grace!”
But Paul asked, “…Shall we continue in sin, that grace may abound?” (Romans 6:1). His answer: “God forbid…” Those men didn’t understand the gospel. Because of the Cross, God considered everything about our old flesh-man done away with!
I believe Paul was saying, “Why would any Christian, having been set free from such a dead man, go back and resurrect the corpse? Why go back to a life of sin when God wants to give you security and peace – to take away all guilt and condemnation? Now, because of the Cross, you can serve the Lord in joy and gladness. And you can obey Him in a new obligation called love.”
“So,” you ask, “are we simply to take by faith the righteousness of Jesus?” Yes, absolutely! That’s what the Christian walk is all about. It’s about resting by faith in what Jesus accomplished!
Our old man is dead, and the new Man is Jesus. And when we put our faith in Him, God fully accepts us. He considers us righteous, hidden in the bosom of His dear Son. So, whenever you sin or fail, run quickly to your Lawyer, your Advocate. Confess your failures to Him, and rest in His righteousness.
You may ask, “But, don’t good works have any place in this doctrine?” Of course they do – but on this condition: Good works cannot save you, justify you or make you righteous or acceptable to God. The only thing that saves you is your faith in what Jesus did!
And what did He do? He saved you, pardoned you and accepted you in the beloved – warts, sins, failures and all. God sees you now only in Jesus Christ – and that’s why we must come to our Savior every time we fall. The blood that forgave and cleansed us the first time we came to Jesus is the same blood that will continue to keep us until He returns.
Yet, along with this security comes a higher obligation. And that is, we must do all our works not in our own strength or power, but in His:
“…if ye through the Spirit do mortify the deeds of the body, ye shall live” (Romans 8:13).
The only way to do battle with the flesh is through the Holy Ghost! He alone has the power to deliver:
“…God is faithful, who will not suffer you to be tempted above that ye are able; but will with the temptation also make a way of escape…” (1 Corinthians 10:13).
If you yield to the Spirit, He will walk you through every battle. He will equip you with all power, wisdom and authority – everything you need to fight sin!
And once you realize what Jesus has accomplished on the Cross, you will hate sin more than ever. You will begin to obey Him, pray to Him, yearn for Him joyfully – because He has secured you on the Rock of His grace. Then you can say, “Who can accuse me now? Christ has justified me! I rest in Him as my righteousness.”
Dear saint, pray that God will make this precious doctrine real in your spirit: “Holy Spirit, come and open my mind and heart. I want to understand this foundational truth, and not to panic every time the enemy brings something against my soul. Help me not to be tossed about by fear, guilt or condemnation. Rather, help me to stand firm under the Cross of my Savior – who provides me with all rest!”
“…if any man sin, we have an advocate with the Father, Jesus Christ the righteous” (1 John 2:1).
You’ve got a Lawyer – so run to Him. Let Him plead your case. And enter into His rest by faith in His wonderful work on your behalf. Amen!
Preaching Against Sin Is Desperately Needed Every Sunday!
The world cannot hate you, but it hates Me because I testify of it that its works are evil. –Jesus in John 7:7
Even in conservative evangelical circles, the old practice of pastors PREACHING AGAINST SIN AND EVIL has been discarded; and even “disproven” by the new clever ideas of grace, non-judgmentalism, and love.
This idea is not new though. Its old. It’s called antinomianism—or anti-law-ism. And in undermining the authority of God’s law, it always tries to hide under a cover-up theme: grace, love, Holy Spirit, imputed righteousness of Christ, and other themes. I believe the devil works his hardest on the minds of pastors in this area of lawlessness (Matthew 7:23; 23:28): he knows that without holiness no one will see the Lord (Hebrews 12:14). So, if he could just get pastors to forget God’s law or see it as unimportant for Christians, then he knows the pastors won’t preach it, and the church will continue to wallow in complacency and carnality (Matthew 24:12).
PREACHING AGAINST SIN AND EVIL comes from Puritan and classic Methodist type preachers. Those were men who held a deep fear of Hell and high reverence of God’s law.
Not so with today’s pastors. “Her priests have violated My law and profaned My holy things; they have not distinguished between the holy and unholy” (Ezekiel 22:26). Beware of lawless pastors and their popularity! Their sermons and churches are “wood, hay, and stubble” (1 Corinthians 3:12-13). All their works are filthy rags and will not pass the test on Judgment Day (Isaiah 64:6), because they know the right way to steer their churches–THEY KNOW BETTER, but consistently choose not to…so they could be self-promoting, name-promoting, vain, useless preachers of nothingness. Not preaching repentance or faith in the cross–and why? Because they’re “pastors” they say. Preaching repentance is not “their ministry.”
It’s just the truth; and I love you enough to say it (Ephesians 4:15).
—–
Further Reading on Antinomianism
Baxter, Richard. The Scripture Gospel Defended.
Fletcher, John. Checks to Antinomianism.
Gunter, W. Stephen. The Limits of Love Divine.
Jones, Mark. Antinomianism: Reformed Theology’s Unwelcome Guest?
Packer, J. I. Concise Theology, p. 176: “Antinomianism.”
Rutherford, Samuel. A Survey of the Spiritual Antichrist.
Wesley, John. “A Dialogue Between an Antinomian and His Friend.”
The Ethics of Christian Book Publishing
Unlike so many, we do not peddle the Word of God for profit. On the contrary, in Christ we speak before God with sincerity, as those sent from God. –2 Corinthians 2:17
Money for the Ministry:
Frank Viola vs. Francis Turretin
I have heard people in the house church movement argue that it is immoral, sinful, and unethical to publish and advertise Christian books. To a small degree, I can see where they are coming from, but to a large degree I don’t understand this nitpicky opinion of theirs. So, I will set forth my case in defense of Christian book publishing. Frank Viola’s Pagan Christianity has turned out to be a real popular book with house church people (which had to be published and advertised with money). In that book, Chapter 8: “Tithing and Clergy Salaries” uses 2 Corinthians 2:17 as proof that pastors should not receive tithes and offerings. However, I side more with Francis Turretin’s view in “The Salaries of Ministers.” Whereas, Viola takes the view of the Anabaptists and Quakers–Turretin takes the view of Reformed and Puritan Christians, and I side with Turretin on the issue.
The REAL Issue:
Hirelings vs. True Prophets
The gist of Viola’s argument is that pastors should not receive money, because that automatically corrupts their motives: namely, that it transforms godly ministry into a career or profession–it makes pastors into seeker-sensitive hirelings, or man-pleasers (John 10:12). The gist of Turretin’s view (which I agree with) is that PASTORS SHOULD RECEIVE TITHES AND OFFERINGS–IF IT IS FOR ALL THE RIGHT REASONS. Turretin assumes that pastors should be holy, godly, and Puritanical (1 Timothy 3). And that monetary donations received for the ministry are for the support of the preacher of righteousness, so that the Gospel can advance further than it already has. It is seen from a Great Commission viewpoint, to reach out into the world, and convert the masses. Viola assumes most pastors are corrupt–so they should not receive tithes. Turretin assumes that a Biblical pastor is automatically supposed to be godly, so its a no-brainer to support his ministry with money if you believe in what he is preaching. If you don’t believe in what he is preaching; if you think his sermons, his church, his books, etc are all WORTHLESS–then go on your way and DON’T support the preacher of righteousness with your money. Go to Starbucks! Go to the mall and spend it on YOURSELF. However, if you do want to advance Gospel-holiness, then give as much as you want to that preacher and pray for him.
Christian Book Publishing and Pastoral Tithes
When books are published, money is involved. The publisher has to be paid for costs of editing, formatting, graphic design, and printing. This is just part of the art of making books. Books are made of paper and ink; and that means they cost money to make them. Sometimes when Christian books become very popular–bestsellers–they earn what are called royalties for the author. These royalties come to the author as a check. If a preacher writes a book on salvation and holiness and spirituality (as I have done), then it is very similar to when a pastor receives a monetary donation for preaching a sermon. Personally, I believe (at this point) that if I ever made a royalty from a Christian book I published, the money should only go to ministry purposes–and not for personal purposes–like a car or something. However, there is that one verse that the house church, Anabaptist, anti-pastor, anti-tithing people hate: “The Lord has commanded that those who preach the Gospel should receive their living from the Gospel” (1 Corinthians 9:14). The Bible does not contradict itself. 1 Corinthians 9:14 and 2 Corinthians 2:17 are equally inspired by the Holy Spirit and they do not contradict. It simply means that SINCERITY is the issue. Those who are rebuked for “peddling the Word of God” were insincere, and vain, and preached worthless, meaningless things in the name of Christ. And I say, such men should not receive a penny from us.
THE PRINTING PRESS:
AN INSTRUMENT OF RIGHTEOUSNESS…AT TIMES
Ask yourself: IS THE BIBLE WORTH IT? IS THE GOSPEL WORTH IT? IS DEEPER LIFE WITH CHRIST WORTH IT?
Bibles are books, you know. They cost money to print and you have to buy them in order to read them–unless you have the internet. But then you have to buy a computer to use the internet.
The printing press was invented originally in China in the medieval times. It appeared in Europe in the mid-1500s during the Protestant Reformation. ALL of the Protestant Reformers wrote, printed, paid for, and sold books–this is how the Reformation spread! Martin Luther, John Calvin, you name it: ALL of the Puritans of the 1500s and 1600s–most notably John Bunyan’s bestseller The Pilgrim’s Progress, prophet that he was. John Wesley, George Whitefield, Jonathan Edwards, Charles Finney–all the GREAT REVIVALISTS and saints of the past ALL used the printing press. This is nothing new. David Wilkerson’s income came almost 100% from Christian book publishing (Gary Wilkerson’s David Wilkerson, p. 153). The royalties that Leonard Ravenhill made from Why Revival Tarries, and all his other books, he chose to give to missions.
The questions you must ask yourself are:
IS THIS MESSAGE WORTH MY MONEY?
DO I REALLY BELIEVE IN THIS ENOUGH TO SUPPORT IT FINANCIALLY?
OR IS IT FAKE?
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Review of David Bach’s “The Automatic Millionaire”
David Bach is the king of financial planners. Thousands of certified financial advisors and planners look to him as the standard for how they should advise their clients. One day I was in Barnes & Noble, and I was under a spirit of responsibility to manage my money well, to make it grow, for me and my family’s future. Approaching the age of 30, and not having saved nor invested successfully, I understood that I needed to change some of my ideas and habits drastically. But I did not know what to do. As my wife was with my daughter in the kids’ section, I wandered over to the business books, hoping to find something useful on personal finance. I saw a strong-looking, clean cut black guy in his 40s who was looking at the shelf of books. He looked like he’d done this before. I struck up a conversation with him, about how I was trying to study up on how to save and invest for my family’s future, but I was overwhelmed at all the different books, and I had no idea where to start. He pulled out David Bach’s The Automatic Millionaire:–he said the book is very easy to understand and has powerful principles on growing your money over the course of your life; and also, by the time you are 60 or so, the plan is to attain a total of about $1 million for retirement![1] He had been applying its principles for years himself; and it enabled him to amass lots of money.
This is exactly what I was hoping for. When he asked me what my personal goal was, I actually told him it was in fact $1 million! It just so happened he pulled out a book that said how to do it! He got nervous and actually dropped the book, because it was kind of a weird moment! What’s more, the guy’s name was David (same as the author of the book); and he gave me his personal contact card, if I had any questions—revealing that he was a Major in the United States Air Force, and was a member of The Joint Chiefs of Staff. So, I knew he was reliable. He told me he has been reading books on money, saving, investing, and personal finance for about 10 years, but that David Bach’s The Automatic Millionaire is clearly the best, the simplest, the most powerful, and the most useful. He also wanted to show me The Millionaire Next Door by Thomas Stanley and William Danko, but it was not on the shelf. He said that would be another good book to study as a supplement.
Coming out of my study of P. T. Bauer’s Dissent on Development, I understood that working, saving, and investing is basically the “formula for financial growth” he puts forward to alleviate poverty. I knew I had to do this, but I also knew there had to be a wisdom and logic behind it that I didn’t have. I had been living paycheck-to-paycheck for years, and tried to pull out money for savings every once in a while, only to find myself reaching back into my savings account, and watch it dwindle down to zero: something had to change! I knew I had to stop this “set aside an occasional chunk of change into my savings account” practice—it just wasn’t good enough. And after reading Bauer and Proverbs 10-31, I knew one thing I lacked: sound advice from an authority on financial planning, which would result in financial wisdom, and more financial security for me and my family’s future.
MILLIONAIRE is not a word that people normally associate with the word CHRISTIAN, unless you are a prosperity gospel heretic; or a business professional that attends an “upper class” denomination: such as in the Catholic, Anglican/Episcopalian, Lutheran, Presbyterian, and United Methodist churches. For years I had a mentality, mainly based on misreadings of the Gospel of Luke, that wealthy people are inherently cursed, unbelieving, and on their way to Hell. This seemed to be the view of St. Francis of Assisi as well. But now, after reading Proverbs 10-31, I see things differently. And since Scripture cannot be broken, I understand Proverbs (which is pro-wealth…conditionally) and Luke (which is apparently anti-wealth) do not contradict one another.
Proverbs gives wise directions to the righteous about how to manage their money, such as saving little by little, giving to the poor, leaving an inheritance, etc. Whereas, Luke warns the wicked against materialism, greed, luxury, pleasure-seeking, and despising the needy. Holding the both in balance, with John Wesley, I can agree that the general tenor of Scripture has this attitude towards money: “Work all you can; save all you can; give all you can.”[2] Money should not just be INPUT (working, saving, and investing)—it should also be OUTPUT (giving, tithing, providing for your kids’ college tuitions, ministry philanthropy, good works, etc).
In this light, the word millionaire doesn’t seem to be that bad of a word, because when you begin to chop up the money, you will find it has many reasonable places that Christ would have you to spend it. I’m not supporting the idea of living a lavish, ritzy, luxury home lifestyle like the prosperity televangelists; nor do I support Christians driving luxury cars; nor do I think very highly of luxury clothes, jewelry, etc, etc, etc. All things “luxury” are unreasonable and go totally against the New Testament—and they break the tenth commandment: “you shall not covet” (1 John 2:16; 1 Timothy 6:9-10; Luke 12:15; Matthew 6:19-21; Exodus 20:17; 1 Peter 3:3). But you will have nothing to spend—righteous or not—if you do not learn how to save money successfully. David Bach’s The Automatic Millionaire teaches us how to do just that.
Naturally, this subject is boring and calculating—but at the same time extremely IMPORTANT—so I bought the Unabridged Audio Book—a total of 5 CDs on Amazon.com to help me read my way through the book, as I listened. And, as usual, I highlighted and marked with a pen all the most important parts. What follows is a chapter-by-chapter summary review of the main ideas he puts forward, so perhaps you can just read this chapter and take action on it right away—instead of reading all the way through his book. Plus, I will give you more of a Biblical take on his ideas. But, of course, I encourage you to study Bach’s book for yourself—and also to get your own certified financial planner after you have studied this.[3] Because this in no way is a replacement for seeing a real, live financial planner in person.
CHAPTER 1. The Introduction rambles a little before it takes off into specific financial advice; and the same is the case with the first 10 pages or so of chapter 1. Then Bach tells the story of his encounter with a couple in their 50s. This happened back when he was in his 20s and just starting out as a financial planner. He himself was having difficulty saving money in his personal life—even though he was “teaching” classes to people on how to successfully save and invest. But his encounter with this couple—the McIntyres—changed everything. They were the first “Automatic Millionaires” he met, as he likes to say. Why this phrase? Because, over the course of their lives, they automated their savings and investments—without having to worry about budgeting, monitoring, or playing around with charts and graphs. There’s a lot that goes into 100% financial automation—in fact, it takes the whole book to explain it—but the first step is to do a payroll deduction into your savings account (p. 26).
After I read this, I took action on it the next day. My wife and I went to the bank and got DIRECT DEPOSIT FORMS FOR OUR SAVINGS ACCOUNT—and then we took them to the payroll people for each of our companies (we already had them for our checking accounts…that’s where our normal income was going). But now, each of us signed up for 5% of our paychecks to be deducted into our savings account. Over time, Bach suggests, as your income increases—the percentages of your payroll deductions should increase: 10%, 15%, etc (p. 20). This is already taken care of if you have a 401(k) plan (retirement savings benefit with your company), but they suggest this is really the most effective way to save any money, regardless—in addition to a 401(k). The reason: “Once the decision is out of your hands, there’s no way you can be tempted into doing the wrong thing” (p. 26)—that is, squandering your earnings thoughtlessly. Automatic “direct deposit savings” require no self-control or resisting temptation—the savings are all computerized by your company’s payroll system and the bank. It’s worry-free; and agrees with Proverbs 13:11: “Whoever gathers money little by little makes it grow.” This principle of 5%, 10%, 15% payroll deduction is what they call paying yourself first. That is, before you spend all your hard-earned money on bills and recreation (checking account, 95%), make sure you are setting a little bit aside for yourself (savings account, 5%).
CHAPTER 2. The “rat race” is a phrase that is supposed to create an image of a rat running endlessly on a wheel. It is a cyclical, meaningless process that looks like this: 1. Go to work. 2. Make money. 3. Spend money…repeat for your whole life…and then you die. There is no saving or investing involved (or retiring around 60 or 70). Although the career might be great and the income high, because there is no savings, there is no financial growth, and no progress towards financial independence. In fact, a man who makes $100,000/year can be just as much a slave to this financial cycle as the man who makes $20,000/year. The only thing that makes the difference, the only way to escape from the rat race, and achieve financial independence from this system, is through SAVING MONEY FOR RETIREMENT.
In this chapter Bach talks about another way of accumulating money: what he calls “The Latte Factor.” The idea is to abstain from frequent spending on “small things” like Starbucks coffee, fast food, etc; and instead invest at least $150/month in a retirement account (or $1,800/year). For Bach, the ideal is to be able to reach the point where you are investing $250/month or $3,000/year…resulting in about $1 million by the age of 65:–provided you start investing around the age of 30 or earlier (pp. 48-49). Proverbs 10:4-5: “Lazy hands make a man poor, but diligent hands bring wealth. He who gathers crops in summer is a wise son…” Biblical life application: be a hard worker with a strong work ethic; it will produce wealth; save what money you can now in the summer season of your life (young and middle age: 20s-50s), because when the winter season comes (old age: 60s-80s), your retirement savings will provide you financial security and independence. You are a wise son if you do this. Saving for retirement is wise, but spending your retirement money Biblically is also wise. All things must be spent Biblically, and not selfishly on luxuries and treasures, or God will destroy all that you have attained (see Deuteronomy 8). Gary North, commenting on Proverbs 10:5, says:
The wealth potential of the harvest is enormous…the value of the laborer’s output is high because of the extensive crop. But time is short…there is a huge potential return, but also huge potential waste if the crop is not gathered in due season…The imagery of the harvest points to an all-or-nothing situation. It comes once a year. All the work and capital that has been invested in order to produce a crop is “on the line” during the harvest season…The Bible teaches the doctrine of linear time…The concept of linear time made possible the concept of economic development. Prior to the Protestant Reformation, and especially the seventeenth-century Puritans, neither theologians nor social philosophers, East or West, believed that long-term economic growth is possible…Work requires a sense of timing. There is a time to work hard. There is a time to work at a more leisurely pace. In times of harvest, long, hard work is required. He who ignores this will not have success. Each person needs to pace himself according to the season.[4]
Simply put, during your 20s, 30s, 40s, and 50s—this is the planting and “harvest” season of life (your working years). This is the time of your life that you need to commit to long, hard working, saving, and investing. But in the later season of life: your 60s, 70s, and 80s—this is a time to “work at a more leisurely pace” (your retirement years).
CHAPTER 3. In this chapter we see a progression of the Pay Yourself First idea and the use of payroll deductions by 5%, 10%, and 15% into a retirement account. Here Bach gets a little more specific, even though he is repeating himself: a PRETAX RETIREMENT ACCOUNT is the key to becoming an automatic millionaire (p. 67), provided that it goes through direct deposit savings by percentages, and is never touched over the years. It has little to no effect on our day-to-day livelihood, only subtracting about $10 a day. Bach preaches against budgeting, citing that it not only causes fights among spouses and needless worry (pp. 58-59), by that it creates a false sense of responsibility, and never results in saving real money. Years ago, the US government discovered that people can’t budget, so they decided to automate from people’s paychecks the income taxes that we have today—this started in the 1940s (pp. 65-66). Bach is telling you to do the same thing, only with direct deposit savings into a PRETAX RETIREMENT ACCOUNT. Bach gives a metric for personal savings goals (p. 76). If you want to be:
Middle Class – do 5% to 10% of your gross income.
Upper Middle Class – do 10% to 15%.
Rich – do 15% to 20%.
Rich Enough to Retire Early – at least 20%.
GREED is something that Biblical Christians need to be on guard against. Jesus said, “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal” (Matthew 6:19). When we get into this subject of saving money for retirement or just saving money, we must resist the temptation to be greedy and covetous. Sure, we need financial security for our family. Sure, we have financial responsibilities for their college tuitions, etc, etc. But the question now before us is: WHAT IS GOD’S WILL in regard to your financial lifestyle? The answer is somewhere in the lower middle class or so: “Keep falsehood and lies far from me; give me neither poverty nor riches, but give me only my daily bread. Otherwise, I may have TOO MUCH and disown You and say, ‘Who is the Lord?’ Or I may become poor and steal, and so dishonor the name of my God” (Proverbs 30:8-9). This brings us back to Deuteronomy 8, where faith-based and law-obedient capitalism is the rule. If not, you are destroyed by God as a faithless, rich atheist—and cast into Hell (Luke 16).
Too much riches, the Bible warns, can cloud the soul. If you treasure your salvation, then beware of too much gain, lest, like the rich young ruler, the rich man in Luke 16, or like Ebenezer Scrooge, you become corrupted by your wealth, your faith and spirituality die, and the Holy Spirit in you is totally quenched by ill-gotten gain. Jesus, in speaking of rich apostates, said, “The worries of this life, the deceitfulness of wealth and the desires for other things come in and choke the Word, making it unfruitful” (Mark 4:19). It was once said to me by a prophet, “The day will come when you will have so much money coming in, that you will have to ask God to make it stop!” There IS such a thing as having TOO MUCH MONEY. That comes when clouds of darkness, separation from God’s Spirit, faithless, agnostic skepticism, and atheism start to grab hold of the heart and mind. It causes the man to say, “Who is the Lord?” It causes men to lose their faith, backslide, and not even know God anymore.
Let us be like the wise man who prayed, “Give me neither poverty nor riches” (Proverbs 30:8). Being neither poor, nor rich. Neither on the brink of homelessness, nor rich with countless luxury items, and material treasures. Middle class—perhaps even lower middle class, as a lifestyle, is I think, a much more Biblical, apostolic goal for financial growth. It covers all of your responsibilities as a family man, but also provides a level of security from material temptations for your soul’s sake. There will be those who refuse to allow Scripture to restrain their desire for unlimited gain; and these men often fall into ill-gotten gain, and make God a low priority in their lives (if at all). Jesus said, “How hard it is for the rich to enter the kingdom of God!” (Luke 18:24). Too much riches have a tendency to make men WORLDLY-MINDED and not SPIRITUALITY-MINDED. Just because you CAN become a multi-millionaire, and just because you KNOW some methods on how to—it does not follow that you SHOULD do it, if you are a follower of Christ. Ask God what to do. Consult the Bible: it says “give me neither poverty nor riches.” That’s pretty plain and simple. I believe Jesus and the apostles were part of the lower middle class. According to the Mercer Dictionary of the Bible:
The middle classes of the first century were relatively small but included a broad range of occupations and levels of income. The middle class included merchants, craftsmen (e.g., carpenters, silversmiths, tentmakers), the professions (e.g., lawyers, teachers, physicians), civil servants (e.g., tax collectors), and small entrepreneurs in agricultural industries (e.g., small farmers, shepherds, fisherman).[5]
If we want to be Biblical in our economics and personal finance, then I believe imitating the income levels of Jesus and the apostles is the safest route to take. That means aiming for a middle class lifestyle. Jesus was a carpenter (Mark 6:3), Paul was a tentmaker (Acts 18:3), Luke was a physician (Colossians 4:14), Matthew was a tax collector (Matthew 9:9), and Peter, Andrew, James, and John were all fishermen (Matthew 4:18-19; Luke 5:10). Calculations of money that make an equivalent income to that of Jesus and the apostles—should give us an idea for what our financial goals should look like. I don’t know exactly what Jesus and the apostles’ annual incomes were. They lived in a different time and culture than I do here in the USA. But I can IMITATE them; and that’s what is important. If they were living in America today, and were paid by American standards, their average annual incomes would look about like this:
- Jesus (carpenter): $40,000/year[6]
- Paul (tentmaker): $20,800-$25,000?[7]
- Luke (physician): $187,200/year[8]
- Matthew (tax collector): $50,440/year[9]
- Peter, Andrew, James,
and John (fishermen): $33,430/year[10]
It would be hard to persuasively argue that a doctor is “middle class” and much less “lower middle class.” I think that Luke was the economic exception among early church leaders. The general income level of Jesus and the apostles, seems to have ranged from $25-$50,000/year. Today that includes the lower “working” class and the lower middle class.[11] Avoiding the upper middle class ($100,000/year) and upper class lifestyles ($500,000/year) is Biblically, morally, and spiritually wise. Gary North, commenting on Proverbs 30:7-9, said:
A person had better get rich slowly, because he improves his understanding of moral causation slowly. He develops his moral skills slowly. Theologians call this process progressive sanctification. Wealth accumulated over decades is not the threat to a person that overnight wealth is. Overnight wealth is far easier to achieve than overnight moral maturity.[12]
In the movie The Greatest Story Ever Told (1965), I love how they portray Jesus’ talk with a friend named Lazarus, a rich man. Although there is artistic license with the account, it remains true to Jesus’ teachings in the Gospels on money:
Lazarus: “Tell me, would it be possible for me to go with You?”
Jesus: “You are wealthy.”
Lazarus: “Yes, I am. Is wealth a crime?”
Jesus: “Not at all; but it may become a burden. What does it profit a man to gain the whole world and lose his soul?”[13]
Lazarus: “Are you saying that a man cannot have both money and a soul?”
Jesus: “I am saying that it is easier for a camel to go through the eye of a needle, than for a rich man to enter the kingdom of Heaven.”[14]
Sister: “My brother will go to Heaven. He is a good man.”
Jesus: “Did I say he is not good? I said he is wealthy. Where a man’s wealth is, there is his heart also. A man cannot serve two masters; you cannot serve both God and money.”[15]
Lazarus: “But I give my money to God. I give a third of all I earn.”
Jesus: “I know a widow woman who gave two pennies.”
Lazarus: “What is two pennies?”
Jesus: “It was all she had.”[16]
Lazarus: “But I’m not God.”
Jesus: “Would you give up all you own and follow Me?”
Lazarus: “Who could do such a thing?”[17]
CHAPTER 4. This is a key chapter in Bach’s method of how to automatically save and invest for retirement. Amid technical economic charts, graphs, and mathematical calculations, he argues that the fool-proof way to save and invest for retirement is:
- Open up a 401(k) plan (if your company offers one); but if it does not, then open up a “traditional IRA” account (not Roth IRA) with TD Waterhouse or a similar company (p. 102).[18]
- Have at least 10% of your paycheck automatically deducted into either the 401(k) or IRA. If you have to do this gradually to work up your confidence, from 5% to 7%, then so be it. But the ideal is for it to be 10% and keep it that way. If not, you will not really have a comfortable amount of money left when you turn 65 and its time to start drawing off your retirement fund. If your company doesn’t allow you to deduct your paycheck into an IRA, then set up the IRA to deduct 10% automatically from your bank’s checking account (p. 109). This usually amounts to about $100/month (depending on your personal income), and is no threat to your ability to pay bills or your lifestyle. But the key to keeping your system stable is to automate your deductions based on percentages, and not dollar amounts.
- Why the 401(k) or IRA? The answer: (1) It is pretax savings and totally legal. It is a savings account that is not immediately taxed by the government, which means you can make more money from it than a normal bank account. (2) It has compound interest; which means, that over time, the money you put in multiplies dramatically—what Bach calls “the miracle of compound interest” (p. 96). In the parable of the talents, Jesus said, “You should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest!” (Matthew 25:27). Compound interest funds were apparently around in the time of Jesus too. So, 401(k)s and IRAs agree with the wisdom of Matthew 25:27.
- Next Bach advises that your 401(k) or IRA should not just receive money from your 10% paycheck or checking account deduction. In addition to that, you need to set up a deduction system based on an “asset allocation fund” (p. 122). Vanguard is the first company mentioned to handle this, with what are called Vanguard Life Strategy Funds (p. 122).[19] Further, to take the mystique out of wisely and cautiously choosing which mutual funds—he suggests going to com and clicking on “Mutual Funds”; then click “Fund Quickrank”; then screen “U.S. Stock Funds” by “Total return %: 10 Year Annualized.” Bach says, “Just three clicks and—bam! You’ve got a list of the top performing U.S. funds over the last ten years” (p. 129).[20]
In summary, Bach’s most direct advice for building a solid retirement plan is: open up a 401(k) or a traditional IRA with TD Waterhouse (SAVINGS ACCOUNT FOR RETIREMENT);[21] and make sure that 10% your paycheck is being directly deposited into it, automatically. After that, go to Vanguard and get a Vanguard Life Strategy Fund (an asset allocation fund);[22] and use morningstar.com to choose the best of the best mutual funds for your Vanguard fund (INVESTING FOR RETIREMENT); and have any returns on mutual funds automatically deducted into the 401(k) or IRA.
Proverbs 6:6-8: “Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.”
Proverbs 27:12: “The prudent see danger and take refuge, but the simple keep going and pay the penalty.”
Be like an ant about your retirement years and your future: go to TD Waterhouse: “you can set up an automatic investment program for mutual funds on as little as $100 a month” (p. 102); Vanguard; and morningstar.com:—and start an automatic plan for saving and investing for your retirement today!
CHAPTER 5. Bach stops talking about retirement planning; and steers our attention to the important subject of building an emergency fund. Retirement planning is all about ensuring financial security for you after your working years in THE FUTURE—generally age 65 until your death. But the concept of an emergency fund is about creating a sense of financial security in THE PRESENT. Bach: “People lose their jobs, their health, their spouses. The economy can go sour, the stock market can drop, businesses can go bankrupt. Circumstances change. If there’s anything you can count on, it’s that life is filled with unexpected changes. Stuff happens” (p. 136). Hence the need for building a special savings account just for emergencies such as these—primarily if you lost a job and you needed income to live off of until you found another job. You could refer to it as an “unemployment fund”—to provide a level of security against going BANKRUPT or DEEP IN DEBT (p. 137). Or, perhaps a “medical bill fund,” if you found yourself in the hospital, and your health insurance didn’t cover all of the deductible costs; or an “auto repair fund” for such unpleasant surprises.
Bach says, “I believe you need a cash cushion of at least three months’ worth of expenses. Take what you estimate you spend each month, multiply it by three, and you’ve calculated your goal for emergency savings” (p. 139). So, if you spend $900/month, then you need $2,700 in an emergency fund. If you spend $3,000/month, you need $9,000. Dave Ramsey says the same thing—making 3 months of expenses the minimum—and 6 months of expenses a healthy maximum (The Total Money Makeover, p. 133). “Financial Planners and Financial Counselors like myself have used this rule of thumb for years,” Ramsey says. This is the best way help you and your family be safe and secure in the financial sense.
You should not use this fund for convenience items or fun money. It’s to be stored away, forgotten, and only used if you lost your job, or suffered a medical emergency, or some extreme crisis like that—for the sake of AVOIDING BANKRUPTCY and DEBT. “A real emergency is something that threatens your survival, not just your desire to be comfortable” (p. 140). The best way to keep yourself from the temptation of spending away your emergency fund is not to put it in a savings account in the bank. It’s too easy to get at it that way.
The best way to build an emergency fund is through a website like emigrantdirect.com or something like it (p. 147)[23]—with what is called a “money market account,” which has a high interest rate (Matthew 25:27); which means that it will not only store your savings for emergencies, but actually grow your money faster than a normal savings account in the bank! Bach suggests that you instruct emigrantdirect.com or whoever you choose to take care of your emergency fund—to automatically withdrawal at least 5% of what you make every two weeks on your paycheck. To have them deduct this amount every two weeks automatically from your checking account with the bank (pp. 152-153). Bach also suggests the use of I-Bonds through treasurydirect.gov as a good tool in building an emergency fund (p. 154); and savings bonds on savingsbonds.gov (p. 156).
Two final thoughts on the emergency fund concept:
- What if I’m in debt already? Bach’s answer: “Build up just one month’s worth of expenses in your security account and then concentrate on paying down your debt” (p. 157).
- How much is enough money for an emergency fund? Like we said before, most financial planners suggest to their clients to have a minimum of at least 3 months of expenses to live off of, in case you lost your job. So, whatever your current monthly expenses are, just multiply it by three: and that should be a healthy goal for an emergency fund: 3 months of money as a bare minimum—6 months to even one year as a healthy maximum. But if you start going further than this, it could be a sign of unreasonable worry. One of David’s clients said, “My wife and I worry about the possibility of another depression, or maybe a war. My wife even worries about UFOs” (p. 141). That man had 30 months—or 2 ½ years’ worth of savings for an emergency fund. It was a laughable amount—it made the whole class David was teaching laugh. They had saved this much to alleviate their worries—but even so, it didn’t fully alleviate the worry. There is something mentally unstable about that.
This is why Jesus said, “Do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first His kingdom and His righteousness, and all these things will be given to you as well. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own” (Matthew 6:31-34). Is Jesus against you building an emergency fund? No, because that would mean He contradicts Proverbs 27:12: “The prudent see danger and take refuge.” But Jesus wants us to focus most our thoughts on pursuing righteousness and living by FAITH in God and His PROVIDENCE. You might find that building an emergency fund is easier said than done, even if it’s automated. Just remember: if you live by the Bible, your heavenly Father knows that you need money—and this will be given to you as well.
CHAPTER 6. This chapter puts forth the argument that it is cheaper and more profitable to mortgage than it is to rent. Whereas, you will waste your earnings into oblivion by paying rent; with a mortgage, you build equity through your bank’s mortgage program. Bach says, “Many people don’t realize that the same amount of money they spend on rent today could buy them a home tomorrow” (p. 170). The traditional 30-year program is recommended; however, to speed up the process and to gain more money off the mortgage interest in the long term, it is recommended to pay your mortgage off biweekly (every two weeks) rather than monthly. This is only possible through getting an “Equity Accelerator” program with PayMap (about $65 per year),[24] which manages your biweekly mortgage payments with the bank automatically, thus turning it into a 23-year mortgage (depending on the cost of the house)—and if you get a cheaper house, then the years shorten much, much more (p. 182).
What about DEBT!? A valid objection to the mortgage concept. Any reader of Proverbs can see that debt is not advisable; and is not desirable. But the debt of a large medical bill or a car payment, I would argue, as would Bach, is not the same as the mortgage-debt on a house. Why? EQUITY:–a word that implies YOU ARE PAYING YOURSELF WITH YOUR OWN MORTGAGE PAYMENTS (not a landlord). And furthermore, if you sell the house (presuming it is valuable and sellable for the real estate market; most mortgagers do this at least 3-5 times)—the EQUITY TRANSFERS to your new mortgaged house and new bank. Like a college degree, once you build equity, nobody can take it away from you.
What about the DOWN PAYMENT!? Glad you asked. If you’re a first-time homebuyer, you can resort to hud.gov and see if you qualify for financial assistance from the government for a grant (free money from the government) for the very purpose of that hefty down payment. Believe it or not, the government wants you to own your own home as much as you do!
But HOW MUCH HOME CAN YOU AFFORD? If you’re planning on doing a mortgage, make sure not to waste your precious time and money on a mobile home or something like that. If you’re only making around $10 per hour, then you’re not ready to mortgage yet; you should at least wait until you’re making $20 per hour (or $41,600 per year); and can reasonably mortgage out a $150,000+ house, with at least total mortgage payments of $967 per month. The reason: houses less than that generally don’t SELL very well on the real estate market; and most likely, not only are you not going to want to live in a mobile home until you die, but life might take some turns and you’ll be forced to move and sell your house. Having a valuable, beautiful house (yet not a luxury home) is necessary if you are going to bother at all with mortgaging and selling houses over the course of your working life.
And why mortgage a house at all? Two reasons: 1. Rather than losing hundreds of thousands of dollars to landlords, it is wiser to pay yourself in home equity. 2. Private property is not only a Biblical blessing, but is desirable (Exod. 6:8, cf. the Promised Land); “But everyone shall sit under his vine and under his fig tree, and no one shall make them afraid; For the mouth of the Lord of hosts has spoken” (Micah 4:4, NKJV). Adam Clarke says this was a “proverbial expression, indicative of perfect peace, security, and rural comfort;” and of course, of private property: “his vine” and “his fig tree” imply the land they are on are owned by the same man. Who wants to live in a nursing home or an assisted living facility when he is old? Wouldn’t you want the independence, peace, security, and comfort of living in your own home, rather than being monitored by nurses or staff 24/7? But you should always remember to acknowledge the providence of God in such things (Deut. 8), lest you be lifted up with pride over your home, or find yourself comparing your home with those of others (Exod. 20:17).
CHAPTER 7. This is about getting rid of credit card debt and eliminating the cards completely. People who lived during the Great Depression of the 1930s had an intense dislike of being in debt, and they had no credit cards in those days; most of the people in that era only believed mortgaging was a reasonable form of debt (for reasons stated earlier). By overcoming materialism, covetousness, and love of luxury, you too can free yourself from the enslaving culture of debt that exists in America. You too can think as conservatively as the Okies who survived the Depression. INTEREST on credit cards is usually what keeps debtors in such slavery. So, this will be a major thing to tackle first. And if you are in serious debt, it might be good to consult a credit counselor on nfcc.org.
There are five steps that Bach gives to reduce and eventually eliminate credit card debt: 1. Get a scissors and cut up your credit cards. Don’t ever use them again. 2. Call up your credit card company and ask them to lower your interest rate (the “effective rate”), and politely suggest, that if they don’t, then you will go to a company that will. Ask to speak to the supervisor if necessary. And if you have to, put all of your credit card debt balances on to one credit card account, which will make it easier to manage. 3. As you pay off your debts, reduce your automatic payroll deduction and 401(k) to 5%, not 10%. This way, you will put the priority on paying off the debt, without giving into the idea that you can’t save. Yes, you can save and pay off debt at the same time. You should just save substantially less. “The rationale here is as much emotional as it is financial. By doing both of these things at the same time, you will feel your progress. You’ll see money being saved and debt being reduced” (p. 204). 4. Prioritize which accounts need debt reduction the most. Make minimum payments on all your accounts monthly, to remain legal, and to avoid a debt collector. And, like Dave Ramsey says in The Total Money Makeover, use the “snowball method” to focus on paying off the smallest account first; and working your way up to finish off the big one. This will make it easier for you psychologically to persevere through the payments. Zechariah 4:10, NLT: “Do not despise these small beginnings, for the Lord rejoices to see the work begin.” 5. Call your credit card company and ask them to make an automatic deduction from your checking account every month. If they don’t, see if your bank can do it for you.
CHAPTER 8. Without making any reference to the Bible, and trying to apply to all people who go to “churches, temples, or mosques” (p. 214)—even this book preaches tithing; a word that means “tenth” or 10% of your paycheck. Bach says, “Tithing is a spiritual principle common to many traditions that says you should give back a portion of what you receive, that those blessed with abundance have a duty to help others through gifts of kindness, time, ideas, and money” (p. 213). Bach says generosity gives life meaning, not money (p. 212); and that the generous practice of tithing will actually give you the feeling of being rich even though you are not yet very rich at all. “Tithing is not about following tradition or trying to rid yourself of guilt or hoping for some future reward. What it’s really about is giving for the sheer joy of giving” (p. 214). 2 Corinthians 9:7: “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”
Although we should not give in expectation of receiving a reward from God, it follows that we actually will receive a financial return—regardless. He makes reference to a rags-to-riches billionaire, Sir John Templeton, who was a disciplined Presbyterian tither, even in his poorest days (p. 223). If you like, call it investing in the kingdom of God. And in Bach’s expert experience as a financial advisor, and his conversations with clients, and his personal experience of tithing—he has found that what has been called by Pat Robertson as the “law of reciprocity” really is a financial reality, caused by a mysterious flow of divine providence and blessing.
Bach says, “Although you should give simply for the sake of giving, the reality is that abundance tends to flow back to those who give. The more you give, the more comes back to you. It is the flow of abundance that brings us more joy, more love, more wealth, and more meaning in our lives. Generally speaking, the more you give, the wealthier you feel. And it’s not just a feeling. As strange as it may seem, the truth is that money often flows faster to those who give. Why? Because givers attract abundance into their lives rather than scarcity” (p. 214). Despite the clichés of money-mad televangelists, and prosperity preachers, it remains true what Jesus said, “Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you” (Luke 6:38). To make tithing automatic, contact either your church, charity, or bank and try to see if you can get a direct deposit done for tithing. You’ll never have to worry about forgetting to bring your tithing money to church again, and nobody on the pew will know how much you’re putting in the collection plate. Matthew 6:3: “When you give to the needy, do not let your left hand know what your right hand is doing.” If you want to know where your money is going, research the funds of the church or charity, or see if they are at least registered with the IRS, then look them up on justgive.org. Tax deductions are easier to keep track of when you have some kind of tithing report from your church to bring to H&R Block, so try to communicate with them about this too (p. 220). Lastly, once you get further down the road into investing with diversified mutual funds, try using CHARITY FUNDS to be applied to giving to your church; not only will this produce more than just a tithe, it will result in instant tax deduction, without all the rigmarole of tithing reports at H&R Block (p. 221).
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[1] The Automatic Millionaire is put into the personal finance and financial security categories—it is also put into the retirement planning category. Whether or not “retirement” as envisioned by the American Dream is Biblical, I cannot judge for sure in general terms. What do you mean by retirement…personally and specifically? This is the question you have to ask yourself. Do you mean you’re not going to do any working for the last 20-30 years of your life? That’s not Biblical! Adam worked in the garden (Genesis 2:15). Man is created to work and not be idle, lest it turn him into a gossip and busybody (1 Timothy 5:13). But whether you put your savings into the category of “retirement” or not—what’s important is that you are saving money for the future, as the Book of Proverbs wisely advises (13:11; 10:4-5; 13:22). How you spend your time and money after you reach your savings goals is another thing: between you, God, and the Bible. But you will never achieve financial independence, or the ability to choose what to do with your savings, if you never save money at all. Personally, as an old man, I would like to leave an inheritance for my grandkids; have my own property with several acres of land, an RV, and travel all across the USA, preaching the Gospel in the open air on college campuses for hours and hours until I die! But that’s just me. What will you do with your retirement money? Will it be pleasing to Jesus? Ask yourself these questions or proceed no further.
[2] “The Use of Money” (1760).
[3] http://guides.wsj.com/personal-finance/managing-your-money/how-to-choose-a-financial-planner
[4] Gary North, Wisdom and Dominion: An Economic Commentary on Proverbs (Dallas, GA: Five Points Press, 2012), pp. 102-105. <http://www.garynorth.com/WisdomAndDominion.pdf>
[5] Watson Mills, ed. Mercer Dictionary of the Bible (Macon, GA: Mercer University Press, 1991), p. 228.
[6] Bls.gov: “Carpenters.”
[7] Bls.gov: E684 – http://www.bls.gov/ncs/ocs/ocsm/comt-te.htm
[8] Bls.gov: “Physicians and Surgeons.”
[9] Bls.gov: “Tax Examiners and Collectors”
[10] Bls.gov: “Fishers and Related Fishing Workers”
[11] http://en.wikipedia.org/wiki/Lower_middle_class
[12] Gary North, ibid., p. 331.
[13] Matthew 16:26.
[14] Matthew 19:24.
[15] Luke 12:34; Matthew 6:24.
[16] Mark 12:42-44.
[17] Mark 10:21-22.
[18] He also lists ING Direct, ShareBuilder, Fidelity, Ameritrade, and Vanguard.
[19] He also lists Fidelity Investments, Charles Schwab, T. Rowe Price, American Century, and Scudder.
[20] Other sites he mentions for ranking mutual funds: finance.yahoo.com, mfea.com, smartmoney.com, nyse.com, and nasdaq.com—it might be good to use all of the sites to get multiple testimonies regarding the quality of certain mutual funds and stocks, instead of only relying on the testimony of one website.
[21] tdwaterhouse.com or tdbank.com
[22] vanguard.com
[23] Bach also mentions ingdirect.com, etrade.com, morganstanley.com, fidelity.com, vanguard.com, and schwab.com.
Sanctification – Thomas Watson
Originally from here.
Thomas Watson’s A Body of Divinity is probably one of the best Puritan theology books ever written. This article on sanctification is taken from it.
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‘For this is the will of God, even your sanctification.’ I Thess 4:4.
The word sanctification signifies to consecrate and set apart to a holy use: thus they are sanctified persons who are separated from the world, and set apart for God’s service. Sanctification has a privative and a positive part.
I. A privative part, which lies in the purging out of sin. Sin is compared to leaven, which sours; and to leprosy, which defiles. Sanctification purges out the old leaven.’ I Cor 5:5. Though it takes not away the life, yet it takes away the love of sin.
II. A positive part, which is the spiritual refining of the soul; which in Scripture is called a renewing of our mind,’ Rom 12:2, and a partaking of the divine nature.’ 2 Pet 1:1. The priests in the law were not only washed in the great laver, but adorned with glorious apparel. Exod 28:8; so sanctification not only washes from sin, but adorns with purity.
What is sanctification?
It is a principle of grace savingly wrought, whereby the heart becomes holy, and is made after God’s own heart. A sanctified person bears not only God’s name, but his image. In opening the nature of sanctification, I shall lay down these seven positions: –
(1.) Sanctification is a supernatural thing; it is divinely infused. We are naturally polluted, and to cleanse, God takes to be his prerogative. I am the Lord which sanctify you.’ Lev 21:1. Weeds grow of themselves. Flowers are planted. Sanctification is a flower of the Spirit’s planting, therefore it is called, The sanctification of the Spirit.’ I Pet 1:1.
(2.) Sanctification is an intrinsic thing; it lies chiefly in the heart. It is called the adorning the hidden man of the heart.’ I Pet 3:3. The dew wets the leaf, the sap is hid in the root; so the religion of some consists only in externals, but sanctification is deeply rooted in the soul. In the hidden part thou shalt make me to know wisdom.’ Psalm 51:1.
(3.) Sanctification is an extensive thing: it spreads into the whole man. The God of peace sanctify you wholly.’ I Thess 5:53. As original corruption has depraved all the faculties – the whole head is sick, the whole heart faint,’ no part sound, as if the whole mass of blood were corrupted – so sanctification goes over the whole soul. After the fall, there was ignorance in the mind; but in sanctification, we are light in the Lord.’ Eph 5:5. After the fall, the will was depraved; there was not only impotence to good, but obstinacy. In sanctification, there is a blessed pliableness in the will; it symbolizes and comports with the will of God. After the fall, the affections were misplaced on wrong objects; in sanctification, they are turned into a sweet order and harmony, the grief placed on sin, the love on God, the joy on heaven. Thus sanctification spreads itself as far as original corruption; it goes over the whole soul: the God of peace sanctify you wholly.’ He is not a sanctified person who is good only in some part, but who is all over sanctified; therefore, in Scripture, grace is called a new man,’ not a new eye or a new tongue, but a new man.’ Col 3:30. A good Christian, though he be sanctified but in part, yet in every part.
(4.) Sanctification is an intense and ardent thing. Qualitates sunt in subjecto intensive [Its properties burn within the believer]. Fervent in spirit.’ Rom 12:2: Sanctification is not a dead form, but it is inflamed into zeal. We call water hot, when it is so in the third or fourth degree; so he is holy whose religion is heated to some degree, and his heart boils over in love to God.
(5.) Sanctification is a beautiful thing. It makes God and angels fall in love with us. The beauties of holiness.’ Psa 110:0. As the sun is to the world, so is sanctification to the soul, beautifying and bespangling it in God’s eyes. That which makes God glorious must needs make us so. Holiness is the most sparkling jewel in the Godhead. Glorious in holiness.’ Exod 15:11: Sanctification is the first fruit of the Spirit; it is heaven begun in the soul. Sanctification and glory differ only in degree: sanctification is glory in the seed, and glory is sanctification in the flower. Holiness is the quintessence of happiness.
(6.) Sanctification is an abiding thing. His seed remaineth in him.’ I John 3:3. He who is truly sanctified, cannot fall from that state. Indeed, seeming holiness may be lost, colours may wash off, sanctification may suffer an eclipse. Thou hast left thy first love.’ Rev 2:2. True sanctification is a blossom of eternity. The anointing which ye have received abideth in you.’ I John 2:27. He who is truly sanctified can no more fall away than the angels which are fixed in their heavenly orbs.
(7.) Sanctification is a progressive thing. It is growing; it is compared to seed which grows: first the blade springs up, then the ear, then the ripe corn in the ear; such as are already sanctified may be more sanctified.2 Cor 7:7: Justification does not admit of degrees; a believer cannot be more elected or justified than he is, but he may be more sanctified than he is. Sanctification is still increasing, like the morning sun, which grows brighter to the full meridian. Knowledge is said to increase, and faith to increase. Col 1:10; 2 Cor 10:05. A Christian is continually adding a cubit to his spiritual stature. It is not with us as it was with Christ, who received the Spirit without measure; for Christ could not be more holy than he was. We have the Spirit only in measure, and may be still augmenting our grace; as Apelles, when he had drawn a picture, would be still mending it with his pencil. The image of God is drawn but imperfectly in us, therefore we must be still mending it, and drawing it in more lively colours. Sanctification is progressive; if it does not grow, it is because it does not live. Thus you see the nature of sanctification.
What are the counterfeits of sanctification?
There are things which look like sanctification, but are not.
(1.) The first counterfeit of sanctification is moral virtue. To be just, to be temperate, to be of a fair deportment, not to have one’s escutcheon blotted with ignominious scandal is good, but not enough: it is not sanctification. A field-flower differs from a garden-flower. Heathens have attained to morality; as Cato, Socrates, and Aristides. Civility is but nature refined; there is nothing of Christ there, and the heart may be foul and impure. Under these fair leaves of civility the worm of unbelief may be hid. A moral person has a secret antipathy against grace: he hates vice, and he hates grace as much as vice. The snake has a fine colour, but a sting. A person adorned and cultivated with moral virtue, has a secret spleen against sanctity. The Stoics who were the chief of the moralized heathens, were the bitterest enemies Paul had. Acts 17:18.
(2.) The second counterfeit of sanctification is superstitious devotion. This abounds in Popery; adorations, images, altars, vestments, and holy water, which I look upon as a religious frenzy, and is far from sanctification. It does not put any intrinsic goodness into a man, it does not make a man better. If the legal purifications and washings, which were of God’s own appointing, did not make those who used them more holy; and the priests, who wore holy garments, and had holy oil poured on them, were not more holy without the anointing of the Spirit; then surely those superstitious innovations in religion, which God never appointed, cannot contribute any holiness to men. A superstitious holiness costs no great labour; there is nothing of the heart in it. If to tell over a few beads, or bow to an image, or sprinkle themselves with holy water were sanctification, and all that is required of them that should be saved, then hell would be empty, none would come there.
(3.) The third counterfeit of sanctification is hypocrisy; when men make a pretence of that holiness which they have not. As a comet may shine like a star, a lustre may shine from their profession that dazzles the eyes of the beholders. Having a form of godliness, but denying the power.’ 2 Tim 3:3. These are lamps without oil; whited sepulchres, like the Egyptian temples, which had fair outsides, but within spiders and apes. The apostle speaks of true holiness. Eph 4:44, implying that there is holiness which is spurious and feigned. Thou hast a name to live, but art dead;’ Rev 3:1; like pictures and statues which are destitute of a vital principle. Clouds without water.’ Jude 12. They pretend to be full of the Spirit, but are empty clouds. This show of sanctification is a self-delusion. He who takes copper instead of gold, wrongs himself; the most counterfeit saint deceives others while he lives, but deceives himself when he dies. To pretend to holiness when there is none is a vain thing. What were the foolish virgins better for their blazing lamps, when they wanted oil? What is the lamp of profession without the oil of saving grace? What comfort will a show of holiness yield at last? Will painted gold enrich? painted wine refresh him that is thirsty? or painted holiness be a cordial at the hour of death? A pretence of sanctification is not to be rested in. Many ships, that have had the name of the Hope, the Safeguard, the Triumph, have been cast away upon rocks; so, many who have had the name of saints, have been cast into hell.
(4.) The fourth counterfeit of sanctification is restraining grace, when men forbear vice, though they do not hate it. This may be the sinner’s motto, Fain I would, but I dare not.’ The dog has a mind to the bone, but is afraid of the cudgel; so men have a mind to lust, but conscience stands as the angel, with a flaming sword, and affrights: they have a mind to revenge, but the fear of hell is a curb-bit to check them. There is no change of heart; sin is curbed, but not cured. A lion may be in chains, but is a lion still.
(5.) The fifth counterfeit of sanctification is common grace, which is a slight, transient work of the Spirit, but does not amount to conversion. There is some light in the judgement, but it is not humbling; some checks in the conscience, but they are not awakening. This looks like sanctification, but is not. Men have convictions wrought in them, but they break loose from them again, like the deer, which, being shot, shakes out the arrow. After conviction, men go into the house of mirth, take the harp to drive away the spirit of sadness, and so all dies and comes to nothing.
Wherein appears the necessity of sanctification?
In six things: (1.) God has called us to it. Who has called us to glory and virtue; 2 Pet 1:1; to virtue, as well as glory. God has not called us to uncleanness, but unto holiness.’ I Thess 4:4. We have no call to sin, we may have a temptation, but no call; no call to be proud, or unclean; but we have a call to be holy.
(2.) Without sanctification there is no evidencing our justification. Justification and sanctification go together. But ye are sanctified, but ye are justified.’ I Cor 6:11. Pardoning iniquity,’ Mic 7:18; there is justification. He will subdue our iniquities,’ 5:19; there is sanctification. Out of Christ’s side came blood and water,’ John 19:94; blood for justification; water for sanctification. Such as have not the water out of Christ’s side to cleanse them, shall never have the blood out of his side to save them.
(3.) Without sanctification we have no title to the new covenant. The covenant of grace is our charter for heaven. The tenure of the covenant is, That God will be our God. But who are interested in the covenant, and may plead the benefit of it? Sanctified persons only. A new heart will I give you, and I will put my Spirit within you, and I will be your God.’ Ezek 36:66. If a man makes a will, none but such persons as are named in the will can lay claim to the will; so God makes a will and testament, but it is restrained and limited to such as are sanctified; and it is high presumption for any one else to lay claim to the will.
(4.) There is no going to heaven without sanctification. Without holiness no man shall see the Lord.’ Heb 12:14. God is a holy God, and he will suffer no unholy creature to come near him. A king will not suffer a man with plague-sores to approach into his presence. Heaven is not like Noah’s ark, where the clean beasts and the unclean entered. No unclean beasts come into the heavenly ark; for though God suffer the wicked to live awhile on the earth, he will never suffer heaven to be pestered with such vermin. Are they fit to see God who wallow in wickedness? Will God ever lay such vipers in his bosom? Without holiness no man shall see the Lord.’ It must be a clear eye that sees a bright object: only a holy heart can see God in his glory. Sinners may see God as an enemy, but not as a friend; may have an affrighting vision of him, but not a beatific vision; they may see the flaming sword, but not the mercy-seat. Oh then, what need is there of sanctification!
(s.) Without sanctification all our holy things are defiled. Unto them that are defiled is nothing pure.’ Tit 1:1. Under the law, if a man who was unclean by a dead body carried a piece of holy flesh in his skirt, the holy flesh would not cleanse him, but it would be polluted by him. Hag 2:12, 13. This is an emblem of a sinner’s polluting his holy offering. A foul stomach turns the best food into ill humours; so an unsanctified heart pollutes prayers, alms, sacraments. This evinces the necessity of sanctification. Sanctification makes our holy things accepted. A holy heart is the altar which sanctifies the offering; if not to satisfaction, to acceptation.
(6.) Without sanctification we can show no sign of our election.2 Thess 2:13. Election is the cause of our salvation, sanctification is our evidence. Sanctification is the ear-mark of Christ’s elect sheep.
What are the signs of sanctification?
First, such as are sanctified can remember a time when they were unsanctified. Tit 3:3. We were in our blood, and then God washed us with water, and anointed us with oil. Ezek 16:6. Those trees of righteousness that blossom and bear almonds, can remember when they were like Aaron’s dry rod, not one blossom of holiness growing. A sanctified soul can remember when it was estranged from God through ignorance and vanity, and when free grace planted this flower of holiness in it.
A second sign of sanctification is the indwelling of the Spirit. The Holy Ghost which dwelleth in us.’ 2 Tim 1:14. As the unclean spirit dwells in the wicked and carries them to pride, lust, revenge – the devil enters into these swine, Acts 5:5- so the Spirit of God dwells in the elect, as their guide and comforter. The Spirit possesses the saints. God’s Spirit sanctifies the fancy, causing it to mint holy thoughts; and sanctifies the will by putting a new bias upon it, whereby it is inclined to good. He who is sanctified has the influence of the Spirit, though not the essence.
A third sign of sanctification is an antipathy against sin. Psa 119:904. A hypocrite may leave sin, yet love it; as a serpent casts its coat, but keeps its sting; but a sanctified person can say he not only leaves sin, but loathes it. As there are antipathies in nature between the vine and laurel, so in a sanctified soul there is a holy antipathy against sin; and antipathies can never be reconciled. Because a man has an antipathy against sin, he cannot but oppose it, and seek the destruction of it.
A fourth sign of sanctification is the spiritual performance of duties, with the heart, and from a principle of love. The sanctified soul prays out of a love to prayer, and calls the Sabbath a delight.’ Isa 58:13. A man may have gifts to admiration; he may speak as an angel dropped out of heaven, yet he may be carnal in spiritual things; his services may not come from a renewed principle, nor be carried upon the wings of delight in duty. A sanctified soul worships God in the Spirit. I Pet 2:2. God judges not of our duties by their length, but by the love from which they spring.
A fifth sign is a well-ordered life. Be ye holy in all manner of conversation.’ I Pet 1:15. Where the heart is sanctified the life will be so too. The temple had gold without as well as within. As in a piece of coin there is not only the king’s image within the ring, but his superscription without; so where there is sanctification, there is not only God’s image in the heart, but a superscription of holiness written in the life. Some say they have good hearts, but their lives are vicious. There is a generation that are pure in their own eyes, and yet is not washed from their filthiness.’ Prov 30:12. If the water be foul in the bucket, it cannot be clean in the well. The king’s daughter is all glorious within.’ Psa 45:13. There is holiness of heart. Her clothing is of wrought gold.’ There is holiness of life. Grace is most beautiful when its light so shines that others may see it; this adorns religion, and makes proselytes to the faith.
A sixth sign is steadfast resolution. He is resolved never to part with his holiness. Let others reproach it, he loves it the more. Let water be sprinkled on the fire, it burns the more. He says, as David, when Michal reproached him for dancing before the ark, If this be to be vile, I will yet be more vile.’ 2 Sam 6:62. Let others persecute him for his holiness, he says as Paul, None of these things move me.’ Acts 20:04. He prefers sanctity before safety, and had rather keep his conscience pure than his skin whole. He says as Job, My integrity I will hold fast, and not let it go,’ 27:7. He will rather part with his life than his conscience.
Use one: The main thing a Christian should look after is sanctification. This is the unum necessarium, the one thing needful.’ Sanctification is our purest complexion, it makes us as the heaven, bespangled with stars; it is our nobility, by it we are born of God, and partake of the divine nature; it is our riches, therefore compared to rows of jewels, and chains of gold. Cant 1:10. It is our best certificate for heaven. What evidence have we else to show? Have we knowledge? So has the devil. Do we profess religion? Satan often appears in Samuel’s mantle, and transforms himself into an angel of light. But our certificate for heaven is sanctification. Sanctification is the firstfruits of the Spirit; the only coin that will pass current in the other world. Sanctification is the evidence of God’s love. We cannot know God’s love by giving us health, riches, success; but by drawing his image of sanctification on us by the pencil of the Holy Ghost it is known.
Oh the misery of such as are destitute of a principle of sanctification! They are spiritually dead. Eph 2:2: Though they breathe, yet they do not live. The greatest part of the world remains unsanctified. The world lies in wickedness.’ I John 5:19. That is, the major par of the world. Many call themselves Christians, but blot out the word saints. You may as well call him a man who wants reason, as him a Christian who wants grace. Nay which is worse, some are buoyed up to such a height of wickedness, that they hate and deride sanctification. They hate it. It is bad to want it, it is worse to hate it. They embrace the form of religion, but hate the power. The vulture hates sweet smells, so do they the perfumes of holiness. They say in derision, These are your holy ones! To deride sanctification argues a high degree of atheism, and is a black brand of reprobation. Scoffing Ishmael was cast out of Abraham’s family, Gen 21:1; and such as scoff at holiness shall be cast out of heaven.
Use two: Above all things pursue after sanctification. Seek grace more than gold. Keep her, for she is thy life.’ Prov 4:13.
What are the chief inducements to sanctification?
(1.) It is the will of God that we should be holy, as saith the text, This is the will of God, your sanctification.’ As God’s word must be the rule, so his will, the reason of our actions. This is the will of God, our sanctification. Perhaps it is not the will of God we should be rich, but it is his will that we should be holy. God’s will is our warrant.
(2.) Jesus Christ has died for our sanctification. Christ shed his blood to wash off our impurity. The cross was both an altar and a laver. Who gave himself for us to redeem us from all iniquity.’ Tit 2:14. If we could be saved without holiness, Christ needed not have died. Christ died, not only to save us from wrath, but from sin.
(3.) Sanctification makes us resemble God. It was Adam’s sin that he aspired to be like God in omniscience, but we must endeavour to be like him in sanctity. It is a clear glass in which we can see a face; it is a holy heart in which something of God can be seen. Nothing of God can be seen in an unsanctified man, but you may see Satan’s picture in him. Envy is the devil’s eye, hypocrisy his cloven foot; but nothing of God’s image can be seen in him.
(4.) Sanctification is that which God bears a great love to. Not any outward ornaments, high blood, or worldly grandeur, draws God’s love, but a heart embellished with holiness does. Christ never admired anything but the beauty of holiness: he slighted the glorious buildings of the temple, but admired the woman’s faith, and said, O woman, great is thy faith.’ Amor fundatur similitudine. As a king delights to see his image upon a piece of coin, so where God sees his likeness he gives his love. The Lord has two heavens to dwell in, and the holy heart is one of them.
(5.) Sanctification is the only thing that makes us differ from the wicked. God’s people have his seal upon them. The foundation of God standeth sure, having this seal, The Lord knoweth them that are his. And, Let every one that nameth the name of Christ depart from iniquity.’ 2 Tim 2:19. The godly are scaled with a double seal, a seal of election, The Lord knoweth who are his,’ and a seal of sanctification, Let every one that nameth the name of Christ depart from iniquity.’ This is the name by which God’s people are known, The people of thy holiness.’ Isa 63:18. As chastity distinguishes a virtuous woman from a harlot, so sanctification distinguishes God’s people from others. Ye have received an unction from the Holy One.’ I John 2:20.
(6.) It is as great a shame to have the name of a Christian, yet want sanctity, as to have the name of a steward and want fidelity; or the name of a virgin, and want chastity. It exposes religion to reproach, to be baptized into the name of Christ while unholy, and to have eyes full of tears on a sabbath, and on a week-day eyes full of adultery: 2 Pet 2:24; to be so devout at the Lord’s table, as if men were stepping into heaven, and so profane the week after, as if they came out of hell; to have the name of Christians while unholy is a scandal to religion, and makes the ways of God evil spoken of.
(7.) Sanctification fits for heaven: Who has called us to glory and virtue.’ 2 Pet 1:1. Glory is the throne, and sanctification is the step by which we ascend to it. As you first cleanse the vessel, and then pour in the wine; so God first cleanses us by sanctification, and then pours in the wine of glory. Solomon was first anointed with oil, and then was a king. I Kings 1:19. First God anoints us with the holy oil of his Spirit, and then sets the crown of happiness upon our head. Pureness of heart and seeing God are linked together. Matt 5:5.
How may sanctification be attained?
(1.) Be conversant in the word of God. Sanctify them through thy truth.’ John 17:17. The word is both a glass to show us the spots of our soul, and a laver to wash them away. The word has a transforming virtue in it; it irradiates the mind, and consecrates the heart.
(2.) Get faith in Christ’s blood. Having purified their hearts by faith.’ Acts 15:5. She in the gospel who touched the hem of Christ’s garment was healed. A touch of faith purifies. Nothing can have a greater force upon the heart, to sanctify it, than faith. If I believe Christ and his merits are mine, how can I sin against him? Justifying faith does that in a spiritual sense which miraculous faith does, it removes mountains, the mountains of pride, lust, envy. Faith and the love of sin are inconsistent.
(3.) Breathe after the Spirit. It is called the sanctification of the Spirit.’ 2 Thess 2:13. The Spirit sanctifies the heart, as lightning purifies the air, and as fire refines metals. Omne agens generat sibi simile. [The Spirit at work generates its own likeness everywhere.] The Spirit stamps the impression of its own sanctity upon the heart, as the seal prints its likeness upon the wax. The Spirit of God in a man perfumes him with holiness, and makes his heart a map of heaven.
(4.) Associate with sanctified persons. They may, by their counsel, prayers, and holy example, be a means to make you holy. As the communion of saints is in our creed, so it should be in our company. He that walketh with the wise shall be wise.’ Prov 13:30. Association begets assimilation.
(5.) Pray for sanctification. Job propounds a question. Who can bring a clean thing out of an unclean?’ Job 14:4. God can do it. Out of an unholy heart he can produce grace. Oh! make David’s prayer your own, Create in me a clean heart, O God.’ Psa 51:10. Lay thy heart before the Lord, and say, Lord, my unsanctified heart pollutes all it touches. I am not fit to live with such a heart, for I cannot honour thee; nor die with such a heart, for I cannot see thee. Oh create in me a new heart! Lord, consecrate my heart, and make it thy temple, and thy praises shall be sung there for ever. Use three: Has God brought a clean thing out of an unclean? has he sanctified you? Wear this jewel of sanctification with thankfulness. Giving thanks to the Father, who has made us meet for the inheritance,’ &c. Col 1:12. Christian, thou couldst defile thyself, but not sanctify thyself; but God has done it, he has not only chained up sin, but changed thy nature, and made thee as a king’s daughter, all glorious within. He has put upon thee the breastplate of holiness, which, though it may be shot at, can never be shot through. Are there any here that are sanctified? God has done more for you than millions, who may be illumined, but are not sanctified. He has done more for you than if he had made you the sons of princes, and caused you to ride upon the high places of the earth. Are you sanctified? Heaven is begun in you; for happiness is nothing but the quintessence of holiness. Oh, how thankful should you be to God! Do as that blind man in the gospel did after he had received his sight, who followed Christ, glorifying God.’ Luke 18:83. Make heaven ring with God’s praises.

