Financial Planning

"Bigger Barns and Weak Links" – Luke 12:13-21

Luke 12:13-21
(Contemporary English Version)

A man in a crowd said to Jesus, “Teacher, tell my brother to give me my share of what our father left us when he died.”

Jesus answered, “Who gave me the right to settle arguments between you and your brother?” Then he said to the crowd, “Don’t be greedy! Owning a lot of things won’t make your life safe.”

So Jesus told them this story:
A rich man’s farm produced a big crop, and he said to himself, "What can I do? I don’t have a place large enough to store everything.” Later, he said, “Now I know what I’ll do. I’ll tear down my barns and build bigger ones, where I can store all my grain and other goods. Then I’ll say to myself, ‘You have stored up enough good things to last for years to come. Live it up! Eat, drink, and enjoy yourself.’”

But God said to him, “You fool! Tonight you will die. Then who will get what you have stored up?”

“This is what happens to people who store up everything for themselves, but are poor in the sight of God.”


Grace, peace, and mercy to you from God our Father, from our Lord and Savior, Jesus the Christ, and the Holy Spirit who unites us in faith. Amen.

One of my favorite authors is Malcolm Gladwell

He is a journalist who takes complex and often-hidden realities about social structures and human thought and distills them into fascinating stories and revelations. His latest project is a podcast series called “Revisionist History” that can be downloaded for free through iTunes or his website. 

I would have loved to play his episode from July 20 called “My Little Hundred Million” in its entirety for you this morning because it is particularly insightful with regards to today’s gospel story; but I’ll do my best to give you the abridged version.

Gladwell tells the story of Hank Rowan, who, in the early ‘90s, gave $100 million to Glassboro State University – a tiny, almost bankrupt school in New Jersey to which he had no significant connection. This monumental gift ushered in a period of unprecedented large-scale giving to colleges and universities. What makes this story unique, however, is that almost all of the largest gifts to higher education since that time have gone to the richest colleges and universities such as Harvard and Stanford. Gladwell spends the episode examining why no other donors took Rowan’s example and also explores the ramifications of the richest American colleges and universities getting even richer.

What it boils down to, for Gladwell, is a contrast of two ideological systems: weak link systems (think soccer) and strong link systems (think basketball). 

In soccer, the worst player on the team can do more damage to the team than a superstar could make up for. The team is very dependent on one another. Therefore, in soccer, upgrading the weakest players on your team instead of finding even-better superstars will result in more goals for the team.

Contrast that with basketball, which is superstar-driven. In basketball, paying for the superstar is worthwhile because one person can dominate on behalf of the team. The right superstar can overcome a handful of weaker teammates. 

Here’s a brief clip to explain a bit more…

Gladwell goes on to provide more examples of how strong link theory dominates our world – particularly in regards to education – but how in reality the weak link argument is often the approach that would make the most difference. 

When the ultra-rich donate to ultra-rich schools like Stanford, Princeton, or Harvard (schools whose endowments virtually guarantee their perpetual existence even if they would not charge any tuition ever again), that money accomplishes far less than it would have if it were given to a poorer school that would open up opportunities for more students. As a nation, we would all benefit more from the lifting-up of the bottom than we would from a handful of elite students getting an even better education at an elite school.

I’m obviously glossing over a lot of other information and I do encourage you to listen to this podcast episode in its entirety sometime soon. But for our purposes here this morning I hope this information provides a set of lenses through which you can look at today’s gospel story.

In this story as told by Luke, Jesus is asked to settle a financial dispute between brothers fighting over their inheritance from their deceased father.

Instead of stepping in to the middle of the argument or choosing a side, Jesus tells a story about a rich farmer (and trust me, as someone who was raised in rural Ohio, I know how much of an oxymoron the title “rich farmer” is).

The rich farmer had another bumper crop and asks himself this question, “How can I make room for all of my stuff?” The farmer decided to tear down his barn and make a bigger one – an investment in the future which absolves him from any hard work or responsibility from that day forward. Instead, he’s going to “Live it up!”

Then God comes in with the bad news: “You fool! Tonight you will die. Then who will get all your stuff?" God doesn’t provide an answer to that question, but it’s safe to assume in this scenario that the people who will get the rich farmer’s stuff are the people whom he should have been generously sharing with all along.

The rich farmer building the bigger and bigger barns is a strong link thinker. In fact, the rich farmer represents the end game of strong-link theory. His primary goal is the accumulation of more and more. The stuff he accumulates has only one purpose – to keep him fed and usher in age of freedom from responsibility from work or responsibility to care for others. That is how you win the game if you are playing for only yourself.

But according to Jesus, this is not how his followers play the game because no one wins at the game of life. Death will come to us all. No amount of hoarding and accumulating will truly allow us to live forever. As long as we have the faculties to do so, we will never be free from the responsibility to work or the responsibility to care for others

Bigger barns have one purpose – to consolidate resources and power. And there are any number of ways we try to justify this power grab. We claim, “I earned it” or “I’m the only one who can be trusted with all this” or “God has blessed me with this.”

Jesus tells a story in which a successful man was driven by greed, a desire for power, and a life of ease apart from anyone else. This man will die and everything he withheld from others will end up going to them anyways. “This is what happens to people who store up everything for themselves, but are poor in the sight of God.”

After reading this story from Luke, it is clear to me that the benefits to weak-link theory are not solely financial or social, but are also moral and spiritual. The accumulation and consolidation of wealth at the expense of others is a character trait of a fool and it leads to isolation from God and one’s neighbors. God’s blessings are intended to be shared so that the weak among us can be made strong.

This is a story told to remind us of a greater story… 

– a story that show us we are better when all people have equal rights, opportunities, and access;
– a story demonstrating the power of generosity;
– a story demonstrating the evil of greed;
– a story reminding us that in order for our generosity to do the most good, it has to be cast wide into as many lives as possible;
– a story reminding us that our value to directly tied to those who are the poorest and most in need in our society.

There is a good chance that none of us will ever be in a position to give 100 million dollars to a university; but each day we are all presented with numerous ways to be generous in sacrificial ways that will strengthen the weak links in our society. May our eyes, hearts, and hands be opened to these opportunities, in the name of Jesus Christ who alone liberates us from sin and the power of death.

Amen.

"Wise and Foolish, Money and Oil" - Matthew 25:1-13

Matthew 25:1-13

[Jesus said,] “Then the kingdom of heaven will be like this. Ten bridesmaids took their lamps and went to meet the bridegroom. Five of them were foolish, and five were wise. When the foolish took their lamps, they took no oil with them; but the wise took flasks of oil with their lamps. As the bridegroom was delayed, all of them became drowsy and slept. But at midnight there was a shout, ‘Look! Here is the bridegroom!  Come out to meet him.’  Then all those bridesmaids got up and trimmed their lamps. The foolish said to the wise, ‘Give us some of your oil, for our lamps are going out.’ But the wise replied, ‘No! there will not be enough for you and for us; you had better go to the dealers and buy some for yourselves.’  And while they went to buy it, the bridegroom came, and those who were ready went with him into the wedding banquet; and the door was shut. Later, the other bridesmaids came also, saying, 'Lord, lord, open to us.' But he replied, 'Truly I tell you, I do not know you.'

"Keep awake therefore, for you know neither the day nor the hour."


Remember the parable? The one about the bridesmaids? Five foolish ones who weren’t prepared for the coming of the bridegroom and five wise ones who were – or at least who were prepared enough to take care of themselves, anyway.

Just like we do too much of the time, I imagine most of those people listening to Jesus back in the First Century suspected his parable was all and only about the end of time – sometime “then” and “there,” sometime down the road, sometime “up there” and “out there” in a galaxy far, far away, and that this imaginary, unseen, metaphorical bridegroom (the messiah, the Christ, the savior of us all) would show up and that they better be ready, or else.

But remember, the kingdom of heaven was already among them. The bridegroom, as it were, had already showed up. In Jesus Christ, he and the kingdom were living and moving and breathing right there in their midst.

So, instead of pretending that Jesus was simply talking about winners and losers at the end of time – suggesting that some will make it into the party and others won’t – or suggesting that we should attempt to figure such things out, I think Jesus was inviting his followers to look for the kingdom of heaven among them, too – in this age, not just in the age to come – so that they’d be ready to receive and to respond to and rejoice in it whenever and wherever it revealed itself.

For the last couple of Fridays, Christa and I have been meeting with some financial advisers, working to get our financial ducks in a row. Other than the Dave Ramsey course a few years ago, and whatever conversations we have around monthly budgets and daily needs and our giving to the church, we haven’t done any real, deliberate financial planning – with someone smarter than us – since just after we got married and moved to Indiana. And some of you know that between Christa and me, when it comes to the stuff of “financial planning,” one of us is much more foolish and one of us is far more wise. (My lamp would be empty, as the parable goes, and she’d have oil stock-piled for days. Thankfully, she’s a good sharer.)

So we’re handing over documents. We’re sharing what we’ve been up to. We’re talking about goals for the future – college for the boys, insurance policies, retirements hopes and all the rest. Ultimately, our financial planners seem to be equal parts financial management wizards and life coaches and counselors.

Surrounding all of our conversations about money and bottom lines and dollars and cents and financial forecasts they keep pointing out and reminding us that our main goal is to be prepared – to be as prepared as we can be for whatever the future holds; to be prepared on behalf of our boys and their plans; to be prepared when it comes to our retirement; and to be prepared, even, when we think about the ministry in this place. They know that we give 13% of our family’s income to the ministry at Cross of Grace, and that we want to continue that, which I only tell you so you'll know I'm not asking or encouraging you to do anything I don't try to do myself.

Which, of course, is where all of this is headed, as we’re asking each other to consider the money we give to sustain and pay for what we’ve built here in our little “corner of the kingdom,” as Pastor Aaron said in the video.

As children of God, and as Partners in Mission in this place, God wants for us to recognize that the kingdom of heaven is still alive and well among us, right now, in the world and surrounding us in this place. And God wants for us to keep awake, to be prepared, to stand ready to serve and respond to the needs of the world in as many ways as those needs come knocking at our door.

And I think we do that, like so many wise bridesmaids, when we continue to give generously and faithfully – and only out of gratitude – for the blessings God pours into our lives. And, frankly, I think we can do even better than those wise bridesmaids, when we show up and come prepared and give enough so that others who can’t, or don’t, or won’t, might be able to join the party, too.

And we’ve been wise and faithful and generous with our Building Fund – all of us together, I mean – over the years. We’ve built what and when we’ve needed to. You heard in the video about the money we’ve shared with others, like in Fondwa and Noblesville. And we’ve worked to save and pay faithfully on our debt. (If you haven’t picked up or read through your campaign packet, yet, you should know we’ve ostensibly paid for the latest addition of offices, classrooms, nursery and sanctuary space, in addition to reducing our mortgage’s principle by $247,000 in just the last two years.)

But none of this is ultimately about money or mortgage payments, for me, any more than Jesus was actually talking about oil or lamps in his parable of the bridesmaids.

This is about the light of the world. This is about the grace of God. And this is about the unique, special, uninhibited, no-strings-attached kind of way we’re encouraged to share it all through our ministry at Cross of Grace - like so many other churches out there can't, or won't, or don't, for whatever reason.

So my prayer this week, is that you’ll pray with me this week. That next Sunday we’ll come back prepared like so many wise bridesmaids, ready to make our latest commitments to the Building Fund, and that we’ll make those offerings wisely, faithfully, generously, and with deep gratitude for the grace that is already ours, and ours to share.

And that in doing so, we’ll see and celebrate that we are sharing the light of the world, the very kingdom of heaven, the amazing grace of God – that’s been so generously shared with us, already, in Jesus Christ.

Amen