0 Pain: Now or Later?

    A number of years ago there was a television commercial that encouraged regular oil changes.  In it, a mechanic pointed to a car behind him that was having the engine overhauled and noted that failing to get regular oil changes can cause serious engine damage.  At the end of the commercial the mechanic said, “You can pay me now, or you can pay me later.”

    With the Administration and Congress once again at odds over raising our nation’s debt ceiling I keep wondering why no one in Washington seems to understand why doing so only makes the problem worse.  I understand that we can’t just suddenly stop doing everything that we’re doing.  Calling an abrupt halt to projects that are already in progress would do great damage to the economy.  I understand that.  But Congress isn’t just continuing projects they’ve already started; they are creating new ones and expanding others so that our debt problem gets worse instead of better.

    Whenever anyone suggests making cuts to existing spending, particularly to welfare, Medicaid, Medicare or Social Security, there is an outcry because it is easy to see how people will be hurt when cuts are made to these programs.  A similar claim is made whenever cuts are suggested to our spending on national defense.  No matter what cuts are suggested, we are told that those cuts will cause someone pain. 

    The problem with pain, as it relates to our spending, is that it is very much like that oil change commercial.  A little pain now will almost certainly save us from much greater pain later.  Why?  Because right now our nation spends about $3.5 trillion per year but takes in only $2.5 trillion in taxes.  Obviously, you can’t, in the long-term, spend more than you earn, everyone who has ever balanced a checkbook knows that, but Washington has been doing it (more or less continuously) for more than sixty years.   So far we’ve accumulated a national debt of $17 trillion dollars… and, as bad as that sounds, that’s the good news.

    We hear that our national debt is $17 trillion dollars but we are not told that this does not include the money that we “borrowed” from Social Security and Medicaid.  Every one of us has paid into Social Security for our retirement.  While all of the Baby Boomers were working, the surpluses from these deposits were immense… but they were never saved in any kind of “savings account” or “lockbox.”  Instead, to cover the growing deficits our elected representatives… spent them.  Because we borrowed the money from ourselves, this spending isn’t really considered part of the national debt, but when the Baby Boomers retire they will, naturally, expect to collect from the system they paid into.  How much do we owe them?  At present, our borrowing from Social Security and Medicare amounts to an additional $85 to 95 trillion and our expected payments for the national prescription drug benefit add another $20 trillion.  All together that comes to an astounding $125 trillion in debt.  (That works out to over a million dollars in debt for every U.S. household!)

    Here is where things get ugly.  If we assume that over the next forty years, everyone who is currently working will retire, then we will have to repay most, if not all, of that debt over that same forty year period.  I know the math is more complicated than that, but this oversimplification will get us close enough to see the problem.  If we think of this as paying down a mortgage, we have forty years to pay back $125 trillion in debt with an annual “income” of $3 trillion. 

Do you see the problem?

In order to repay $125 trillion in 40 years, our annual payments will exceed our current income.

    If we start right now, and we could somehow stretch those payments out for a hundred years, we would still have to repay $1.25 trillion per year.  That would seem reasonable, but if we first balance the budget (so as to stop borrowing even more money while we were paying off our debt), we would still have to cut our current spending by fifty percent!

    Worse, none of this is theoretical.  This is money that we have already spent and which must be repaid.  Because we borrowed most of it from retirement plan, failing to pay it back will mean that Social Security checks don’t go out and retirees’ medical bills don’t get paid.  We complain that making small cuts causes pain, but how much pain will there be if we default and those checks don’t go out at all?

As the man said in the commercial, “You can pay me now, or you can pay me later.” 

Either way, there will be pain.  The longer we put it off, the worse it will be.

Our only choice is whether we want to experience pain now or worse pain later.

Detail: Pain: Now or Later?

0 The Politics of Falsehood

    I try to guard my personal opinions from the members of my church because their knowledge of my opinion may interfere with my ability to communicate a far more important message.  I hope that no one in the congregation of our church ever feels that they cannot objectively hear what I am teaching about the Bible because of some perceived political disagreement.  Even so, I have grave misgivings about our upcoming election and it isn’t just about the candidates.  My problem is that, perhaps now more than ever, the truth is taking a beating.

    In the television series “House,” Dr. Gregory House is fond of reminding his staff that “Everybody lies.”  Never has this been truer than during this election.  Each candidate has been caught stretching the truth, or worse.  It seems that after every speech or public appearance the fact-checkers are out in full force pointing out what was incorrect or misrepresented.  Even the media have been caught being “inventive.”  Sadly in the decades since the Watergate scandal, we’ve grown accustomed to “media bias” and understand that each news outlet allows their particular worldview to color their reporting, but now we’re seeing media outlets create their own news or creatively editing audio and video without revealing what they’ve done.  Heck, even the fact-checkers can’t be trusted.  After a recent speech by Paul Ryan, one set of fact checkers went wild pointing out his apparent “lies,” followed by another that pointed out the flaws in the “facts” presented by the first set of fact-checkers, and so on… for nearly a week.  

(Sigh)

    The television show, The X-Files” told us that we should “trust no one.”  This election certainly seems to make us think that this is true, but if we take a look at scripture we might regain a better perspective.  Our problem is that we expect our leaders to tell the truth, and our anger and disillusionment grow out of their failure to live up to our expectations.  We often think of the Bible as being full of love and grace, but in this regard scripture cautions us to be far more cautious, perhaps even downright cynical.  Psalm 20:7 reminds us that while “Some trust in chariots and some in horses… we trust in the name of the LORD our God.”  Whenever we think that the government or the military or any human authority is our salvation, we are in deep trouble.  Isaiah goes farther saying, “Stop trusting in mere humans, who have but a breath in their nostrils. Why hold them in esteem? (Isaiah 2:22)  Particularly when we expect government to be trustworthy, our trust in is misplaced.  Psalm 118:8 teaches that “It is better to take refuge in the LORD than to trust in humans.”

    The clear theme here is that whenever we put our trust in human beings, we are sure to be disappointed but there is one upon whom we can safely place our trust.  Psalm 119:138 declares that “The statutes you have laid down are righteous; they are fully trustworthy.”And Proverbs 3:5 says that we should “Trust in the LORD with all your heart and lean not on your own understanding.”

    So does that mean that we as Christians should give our elected representatives and our media pass?  Should we simply overlook their self-serving dance with the truth?  Clearly, no.  Proverbs 12:22 says that “The LORD detests lying lips, but he delights in people who are trustworthy.” What’s more, Paul declares that “…it is required that those who have been given a trust must prove faithful.” (Romans 12:21)  We should not overlook what our elected officials and the candidates for office are doing to the truth, but we should do all that we can to hold them accountable.

    As we move ever closer to our next presidential election, the followers of Jesus Christ need to hold fast to the truth that we have been given.  We cannot be content to choose the “lesser of two evils” but instead remember our calling to be agents of truth and good in the world around us.  The apostle Paul put it this way, “Love must be sincere. Hate what is evil; cling to what is good.  (Romans 12:9)

    Instead of giving anyone a pass for playing fast and loose with the truth, or making excuses because “everybody does it,” let us instead recommit ourselves to love, hope, and goodness.

Do not be overcome by evil, but overcome evil with good.  (1 Corinthians 4:2) 

Detail: The Politics of Falsehood

0 Are You Afraid?

Are you afraid?   

    Every day we open the newspaper or we turn on the radio or the television and we hear bad news.  Our economy is not in great shape.  Our government is spending more than it can afford.  Unemployment is at near historic levels and showing no sign of getting better soon.  We hear reports of doom and gloom almost constantly. 

How has this constant barrage of bad news affected you?

    As I have been reading reports from churches and other charities across the country the reports seem to share a common thread.  Fear.  After listening to the constant cries of disaster and doom people begin to grow afraid for their future.  When people are afraid, they begin to act in ways that reflect their fear.  When we are afraid, we become far more conservative financially, our worries for the future cause us to spend less, pay down credit cards and even save a little more in the bank.  When we are afraid, sometimes without even being consciously aware of it, we pull back and prepare for a rainy day; we are, as a society, waiting for the other shoe to drop.  This mentality is widespread.  The stock markets react violently to even the tiniest piece of bad news and only hesitantly move forward when there is good news.  Retail sales and other measures of consumer spending are not especially good at least partially because people are not confident of how things will be next month, or next year.  People are afraid.

The funny thing is that most of us have no real reason to be afraid.  

    Most of us have the same jobs that we had last year and the year before that.  Many of us have continued to get the same sorts of raises that we have always gotten.  Except for what we seem to be spending on gasoline, our expenses are not significantly changed from what we have been accustomed to for a long time.  Obviously there are exceptions.  One of my brothers has been out of work for more than two years and he is not alone.  Many folks are hurting.  The rest of us however, are living pretty much the same lives that we were living before the recession began several years ago.  For us, our fear has little or no basis in reality.  We are afraid, only because the evening news seems to tell us that we should be and something about that is not right.  

Why should we act as if we are afraid if we have no real reason to actually be afraid?

    As Christians we have another, even better, reason to resist this kind of fear.  Our fear seems to come from our worries about what the President or the Congress will or will not do.  Our fear seems to come from our worries about the economy and other things far outside out control or understanding.  Instead of allowing these worrisome times to make us afraid, we should remember who is in control.  Psalm 20:7 reminds us that “Some trust in chariots and some in horses, but we trust in the name of the LORD our God.”  And if we even momentarily considered putting our trust in our bank accounts or in our government, Job is there to remind us that “What they trust in is fragile what they rely on is a spider’s web.  They lean on the web, but it gives way; they cling to it, but it does not hold.”  Nahum 1:7 tells us that “The LORD is good, a refuge in times of trouble. He cares for those who trust in him.”  Just because we are people of faith, does not mean that we are immune to fear, but the when fear springs up inside of us we remember this: “When I am afraid, I put my trust in you.  In God, whose word I praise, in God I trust and am not afraid.  What can mere mortals do to me?” (Psalm 56:3-4)

    As followers of Jesus Christ we are called to put our trust in him and not in the fluctuations of economies and governments that we cannot control.  All of these things are under his command and it is our job to trust in him.  Daniel was literally thrown to the lions but we should remember that “when Daniel was lifted from the den, no wound was found on him, because he had trusted in his God.” (Daniel 6:23) 

    We hear bad news every day and honestly, I have begun to listen to the news less often because of it.  I am not hiding from the truth, but I don’t need to be constantly beaten with it either.  I hope that you will remember that we have no need to fear.  Whenever we are tempted to be afraid, we need to ask ourselves a single important question…

Who do you trust?

Detail: Are You Afraid?

0 An Open Letter to Our Nation's Leaders

    As the dust begins to settle in this recent election, it is apparent that we remain a nation divided.  On the other hand, maybe not.  The news media is describing the mood of the country as having a great deal of “anti-democrat” sentiment or as having an “anti-incumbent” sentiment and while I suppose both of those exist, I think that there is a larger unifying theme that joins many of us regardless of our general political leanings.  As such, today’s blog is an open letter to all of our elected officials from our local city councilpersons and county commissioners, all the way up to the current resident of the White House.  Here, I want to say a few things that our leadership would hear from all of us over a long lunch, and a few things that I’ve learned from my family, my friends and from life in general.

To all of our elected officials of every kind,

    If you were recently elected (or re-elected) I would like to caution you not to get a big head.  There is a good chance that your election had little to do with you, personally, and a lot to do with the performance (or lack thereof) of your predecessor.  Lately, we voters are all kind of tired of what we are seeing and we’ve been in the mood to throw out leaders who are not living up to our expectations.  As you begin your new terms, here are a few things to watch out for:

1)      Keep your promises.  To you this may seem trite or even quaint but for a lot of us, honor is still important.  We understand that it’s common for politicians to promise the moon so that they can get elected, but be careful what you promise, because, despite the rumors to the contrary, we’re not stupid and we will remember what you said.  George Bush promised “No new taxes” but failed to keep his promise.  We remembered.  Barak Obama promised that his administration would never vote on legislation without having a minimum of seven days for the public to look it over.   That didn’t happen.  This week’s election is a hint that we haven’t forgotten your promises… even if you did.

2)      You can’t spend more than you make.  This is so simple it seems silly to have to point it out.  Every couple of weeks I get a paycheck and every month I get bills for stuff that I have to pay.  This happens to everyone that I know, for every business that I know and for the church where I work.  Once in a while I can spend more than I make.  I took a huge pay cut when I became a pastor and went to seminary.  Our pay cut was so large and the bills for seminary were so big that things didn’t even out.  To make up the difference, we spent some of the money we had from selling our house.  We knew it couldn’t last but we also knew that my time in seminary would only last for a few years.  When people spend more than they make, whether it’s because they bought a house or a car or a flat screen TV, sooner or later they need to pay for it.  For about fifty years now, our leaders have been spending more than our government takes in.  Lately, it has only gotten worse.  We can’t understand why you don’t think it’s a problem.  We know it’s a problem.  It worries us.  We expect you to fix it (or at least get started).  If you ignore this, again, we will replace you… again.

3)      People don’t like change regardless of how much they say they want it or need it.  This one is harder to understand but I’ve seen it enough times in my community and in my church that I know it’s true.  When my school system needed a new school building they had a hard time convincing people that we should build a new one.  Our old school was almost a hundred years old, had dozens of building code violations, wasn’t handicap accessible and was full of asbestos.  On top of that, the state of Ohio was willing to pay for more than half of a new building which mean that a new building would cost millions less than the cost of repairs to the old one.  Still, the school board took over a year, with dozens of special meetings to convince the community that it was necessary and the vote was still close.  I’ve known people with serious health problems who endured months of suffering before they were convinced to go see a doctor.  We get comfortable in our routine.  We want you to do your job, but you need to know that change is scary.  Before you make changes, you need to explain what you are doing, let us think about it for a while and then proceed slowly and carefully so we can see how things are going.  This is especially important because our trust in you is not particularly high right now.

4)      The bigger the project, the more support you need.  You will probably not find this anywhere in your history books but this is a place where our government has created division and animosity between its own citizens.  Last year, I was interviewing pastors who had been involved in merging churches or in church building projects.  These are two of the biggest changes ever experienced in the life of a church.  One of the rules that emerged from these interviews was that if there was not a minimum of 70 to 80 percent support for the change, then they would go back and start over.   In a church, failing to gain a super-majority of support for a big project will likely mean that people will be so angry that they leave the church.  In our nation, when you pass really big projects with only a slim majority, you create animosity and division instead of unity and cohesiveness.  You don’t need to wonder why our nation has become so polarized because you are the ones who did it, Republicans and Democrats alike.  

  

    Don't think that because you've won the election, that you can do whatever you want.  Don't think that because you have a majority, that you can do whatever you want.  In recent decades we've seen several major shifts from Democrat to Republican and back again.  Please remember that it isn't about what you call yourself, Republican, Democrat, Libertarian, or whatever, it's much more important that you do the things that we sent you to do.

Feel free to ignore us…

…but then again…

…your predecessors did…

…and they’re not here anymore.

Detail: An Open Letter to Our Nation's Leaders

0 The distance Between "Cannot" and "Will not"

   On Sunday I made reference to an excellent blog by Scott Linscott who argues that the lack of a deep spiritual life in our children has a lot to do with the choices that we made (and are making) as we raised them.  (see the original blog here http://scottlinscott.wordpress.com/2010/03/10/your-kids-an-all-star-wow-someday-hell-be-average-like-the-rest-of-us/  and my sermon here http://www.scribd.com/doc/38170459/Love-Misplaced-2010-09-26)  I left a comment on Linscott’s blog and let him know that I had borrowed from him (and yes, I gave him credit).  Since then I have been following the conversation that he is having with other readers who are leaving their comments.  One focus has been the way in which busy professionals find balance between a demanding and time-consuming career and time spent in their church and with their families.  I completely understand.  I faced that same challenge both in a secular career and now in ministry.  What intrigues me is how often, as human beings, we are able to rationalize the difference between “Cannot” and “Will Not.”  “Cannot” means we have no choice, “Will not” implies that we have chosen. 

   Several busy people argued that their jobs demand 60 hour work weeks and since God has given them these careers then their dedication was a measure of their devotion.  An example given was the medical resident who is working 100 hours a week.  In order to pursue a career as a doctor they have given up time for a social life, dating, family, church and nearly everything else.  Others pointed out friends and church members that were medical professionals.  They noted how these folk made time to spend in church, to volunteer and to go on mission trips.  What I see is a difference between “Cannot” and “Will not.”  Residents and Interns don’t really get a choice.  Their schools, hospitals and others decide what is required in order to, eventually, gain the title of Doctor.  If they don’t do what is required they will not ever attain the goal that they are pursuing but the sacrifice is intended to be temporary.  Regardless of how much a career paid, I doubt that many would choose it if celibacy and 100 hour work weeks were expected for life.  

   At some point, how we spend our time becomes a choice.  It is at that point that we all must choose whether we want to choose long hours at work or to use those hours for recreation or family or church.  This is point at which everyone will eventually arrive.  When we arrive at this moment, whether we are aware of it or not, we must make a choice.  Some choose to spend more time at work and others choose to spend it elsewhere. For each choice there is a cost.  If we work more, we may advance more quickly, get more raises, perks and bonuses.  Working less may mean that we sacrifice these things.  Working less may also mean that we are able to spend more time with friends and family and have more time to volunteer, attend church and other spiritual activities.  Each choice comes at a price.

   As I have watched friends, colleagues and church members make these choices I have often seen the line between “Cannot” and “Will not” get pretty blurry.  I have had farmers tell me that they had to be in the fields on Sunday because of a recent stretch of bad weather.  I have heard other farmers, in the same community, insist that it wasn’t necessary.  There are two differences: priorities and trust.  While some saw a break in the weather as a gift from God, others saw it as a test of faith.  One group went into the fields to work and the others trusted that God was in control and would balance the scales at harvest time if they made God a priority.

However we want to rationalize it, for each of us there is a gap between “Cannot” and “Will not” but, however we choose, God wants us to make him our first priority.  In Matthew 22:37 Jesus teaches that the greatest commandment of the law is to 'Love the Lord your God with all your heart and with all your soul and with all your mind.'  We find a very similar verse in Proverbs 3:5 with a very important twist.  

“Trust in the LORD with all your heart…  

…and lean not on your own understanding.”  

   I know that doctors and funeral home directors (and many others) need to work when they are called.  My point is that each of us needs to be aware of when our priorities are shifting.  We need to be aware of when we begin to trust money, power or our own ability more than we trust God.  God asks that we put him first and not to ‘lean on our own understanding.’  

   Putting God first can be expensive and it can be painful but God asks that we trust him to span the distance between “Cannot” and “Will not.” 

Detail: The distance Between "Cannot" and "Will not"