“If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).”

“When God provides more money we often think, This is a blessing. Yes, but it would be just as scriptural to say, “This is a test.” Abundance isn’t God’s provision for me to live in luxury. It’s his provision for me to help others live.”

“A Barna poll shows that for every American who believes he or she is going to Hell, there are 120 who believe they’re going to Heaven.[4] Yet Christ said otherwise: “Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. But small is the gate and narrow the road that leads to life, and only a few find it” (Matthew 7:13-14).”

“This gift cannot be worked for, earned, or achieved. It’s not dependent on our merit or effort but solely on Christ’s generous sacrifice on our behalf.”

“As you go through life, don’t let your feelings—real as they are—invalidate your need to let the truth of God’s words guide your thinking. Remember that the path to your heart travels through your mind. Truth matters.”

“We are [God's] by creation, and again by redemption. He has every right to tell me what to do with my mind and body. I have. I right to do whatever I want with my body.”

“The more I study nature, the more I stand amazed at the work of the Creator.” —Louis Pasteur”

“Pride is spiritual cancer: it eats up the very possibility of love, or contentment, or even common sense.” —C. S. Lewis”

“To procrastinate obedience is to disobey God.”

“The only proper foundation for optimism is the redemptive work of Jesus Christ. Any other foundation is sand, not rock. It will not bear the weight of our eternity.”

“Sin and death and suffering and war and poverty are not natural—they are the devastating results of our rebellion against God. We long for a return to Paradise—a perfect world, without the corruption of sin, where God walks with us and talks with us in the cool of the day.”

“The opportunities for using our financial resources to spread the gospel and strengthen the church all over the world are greater than they've ever been. As God raised up Esther for just such a time as hers, I'm convinced he's raise us up, with all our wealth, to help fulfill the great commission. The question is, what are we doing with that money? Our job is to make sure it gets to his intended recipients.”

“Delaying giving as a strategy for future kingdom building is risky. We could hold on to assets out of fear of letting go or unwillingness to surrender control to the Lord. As long as money lies within our grasp, there's not only the danger that we'll lose the assets, but also that we'll change our minds or be seduced by the status, prestige, and recognition of controlling (or having our name attached to the distribution of) what belongs to God.”

“Now think, my brother, you will be in Heaven very soon. Since last year a great number have gone home: before next year many more will have ascended to glory. Sitting up in those celestial seats, how shall we wish that we had lived below?” —Charles Spurgeon”

“Some of the best portrayals I’ve seen of the eternal Heaven are in children’s books. Why? Because they depict earthly scenes, with animals and people playing, and joyful activities. The books for adults, on the other hand, often try to be philosophical, profound, ethereal, and otherworldly. But that kind of Heaven is precisely what the Bible doesn’t portray as the place where we’ll live forever. John”

“We should remember Christ's words, 'Let nothing be wasted,' when we look in our refrigerators and garbage cans and garages.”

“So look out a window. Take a walk. Talk with your friend. Use your God-given skills to paint or draw or build a shed or write a book. But imagine it—all of it—in its original condition. The happy dog with the wagging tail, not the snarling beast, beaten and starved. The flowers unwilted, the grass undying, the blue sky without pollution. People smiling and joyful, not angry, depressed, and empty. If you’re not in a particularly beautiful place, close your eyes and envision the most beautiful place you’ve ever been—complete with palm trees, raging rivers, jagged mountains, waterfalls, or snow drifts. Think of friends or family members who loved Jesus and are with him now. Picture them with you, walking together in this place. All of you have powerful bodies, stronger than those of an Olympic decathlete. You are laughing, playing, talking, and reminiscing. You reach up to a tree to pick an apple or orange. You take a bite. It’s so sweet that it’s startling. You’ve never tasted anything so good. Now you see someone coming toward you. It’s Jesus, with a big smile on his face. You fall to your knees in worship. He pulls you up and embraces you. At last, you’re with the person you were made for, in the place you were made to be. Everywhere you go there will be new people and places to enjoy, new things to discover. What’s that you smell? A feast. A party’s ahead. And you’re invited. There’s exploration and work to be done—and you can’t wait to get started.”

“There have been times when I think we do not desire heaven but more often I find myself wondering whether, in our heart of hearts, we have ever desired anything else. C. S. Lewis”

“Jesus came not only to save spirits from damnation. That would have been, at most, a partial victory. No, he came to save his whole creation from death. That means our bodies too, not just our spirits. It means the earth, not just humanity. And it means the universe, not just the earth. Christ’s”

“If God were to end history and reign forever in a distant Heaven, Earth would be remembered as a graveyard of sin and failure. Instead, Earth will be redeemed and resurrected. In the end it will be a far greater world, even for having gone through the birth pains of suffering and sin—yes, even sin. The New Earth will justify the old Earth’s disaster, make good out of it, putting it in perspective. It will preserve and perpetuate Earth’s original design and heritage.”