The Ends Don't Justify the Means

The most destructive of ideas is that extraordinary times justify extraordinary measures. This is the ultimate relativism, and we are hearing it from all sides. The young, the poor, the minority races, the Constitution, the nation, traditional values, sexual morality, religious faith, Western civilization, the economy, the environment, the world are all now threatened with destruction—so the arguments run—therefore let us deal with our enemies by whatever means are handiest and most direct; in view of our high aims history will justify and forgive. Thus the violent have always rationalized their violence.

But as wiser men have always known, all times are extraordinary in precisely this sense. In the condition of mortality all things are always threatened with destruction. The invention of atomic holocaust and the other manmade dooms renews for us the immediacy of the worldly circumstances as the religions have always defined it: we know ‘neither the day nor the hour. . . .’

Wendell Berry published these paragraphs in 1972 in an essay called “Discipline and Hope”, but they could have been written yesterday. Maybe some of his examples would have changed, but the point is still valid.

Though Berry is still alive and the book is not quite old enough to count as an “old book” by Lewis’ definition, it is helpful to realize that about 50 years after these paragraphs were penned, the problem is still very much the same. It’s ok to be brutal to people on “the other side” because they are trying to destroy the SBC, the nation, the economy, the environment, Christianity, etc. The story is the same and so is the truth.

The truth is that it won’t matter much which side wins the culture war if the goodness of the culture is torn down to win it. Looking back, our children’s children will think we are fools and backward for a number of reasons that we can’t see and would never to think to recognize. They will look at some of the battles being fought and wonder why there was so much energy spent, when really the obvious problem was. . . .

But we can’t see what fills in that blank. And that is the nature of it. The very things that we do not question today because we can’t conceive of them being questioned will be the things that are assumed to be completely true or false (and obviously so) by a future generation.

As Christians we can see that there are many things wrong with this world and many people taking a wrong direction. But I can see the same thing in myself. The difference is that I can do something about myself and I have only limited influence on the rest of the world. My most significant influence on the world may be by living rightly in my own sphere of influence, showing people a positive way forward based on the truths of Scripture, and embodying those to the maximum extent possible. If the culture war is about goodness and truth, then so should our daily lives be.

The ends don’t justify the means. It is no good to win the culture war and lose our own souls, which is exactly we are risking. History may judge us all fools, and it may judge some on one side or the other of any issue as morally better than the others. But history isn’t the ultimate judge. God is. At the end of this life, our individual legacies will be laid before God. Our works will pass through the fire. Only those works wrought with faith, hope, and love will remain. The ends will be judged by the means.

We don’t know when the judgment is coming, but we Christians know the judge. We know his character. We have access to his standards through Scripture. We of all people should live like we know his judgment is coming, which should shape the way we fight our political battles today.

How Rigged is the Economy against Individuals?

One of the prevailing themes in contemporary American public discourse is that the economy is irredeemably rigged against the little guy. The theory runs that the richest 1% have so much money that they are keeping the rest of us down.

That is a powerful story. It feeds on examples of cases where there are excessively wealthy people who do not have financial concerns that some anywhere close to the ones that ordinary citizens have. There are legitimate cases of harassment and discrimination prevent some people from achieving their potential.

However, the more complete story seems to be that despite inequalities in wealth, the potential for people to gain moderate levels of wealth is still present, even for people with median incomes.

In the FIRE community (Financial Independence/Retire Early) one of the more common targets for net worth prior to checking out of the workforce is $1M USD. Given that about 40% of American adults claim they can’t cover an unexpected $400 expense without borrowing or selling something, some argue that breaking into a seven-figure net worth is impossible.

Considering that the median household income in 2018 was estimated to be about $63K, which doesn’t include non-cash benefits like the company portion of insurance benefits, I’m more inclined to believe the people that tend to be optimistic about economic opportunities. Thomas Stanley and Sarah Stanley Fallaw’s recent book, The Next Millionaire Next Door, tends to support general optimism.

The first and most obvious allowance we must make in the whole debate, however, is that not everyone can get to the point of having a large net worth. There are people who have disabilities or medical conditions that will prevent them from engaging fully in the workforce and whose assets are regularly depleted by needed expenses. There are others who have, due to little or no fault of their own, been left in a precarious economic position because of poor choices by others or have had to leave a situation due to abuse. And, to be fair, half the households in the United States fall below the $63K income threshold, which makes it more difficult (though by no means impossible, down to a certain level) to create a large net worth.

But many in the top half of earners are not millionaires and never will be. In fact, according to Forbes in 2019, 18.6 million Americans have a net worth over a million. That means that approximately 1 in 17 people in the US are millionaires. That’s 5.6% of the population. Not bad when you think about it, but not as much as you would think.

The Next Millionaire Next Door is a follow up to Stanley’s 1996 book, The Millionaire Next Door, and basically asks if the economic system is really so rigged that no one can get ahead. He began the work with his daughter (Sarah Fallaw), and she completed the book alone due to his untimely death in 2015. The conclusion is that the basic patterns of behavior of millionaires has not changed in a fundamental sense in two decades.

The recipe for growing your net worth into the seven figures is the same as it was in 1996 and basically the same as it ever has been. Find work that uses your talents and do it vigorously. Live below your means by avoiding “status wars” with people at and above your income level. Invest your money; don’t just let it sit in a coffee can or a savings account. Do this for an extended period of time.

The upshot is that the path to becoming relatively wealthy is extremely simple. It has a lot to do with hard work and frugality. In fact, both the 1996 book and this latest book emphasize frugality as a central element of financial success. Even in 2019, the vast majority of millionaire’s surveyed had never spent more than $300 on a watch. Most of them drive Fords, Toyotas, Hondas, or Chevy’s that were purchased used, and very few of those surveys had ever spent more than $40,000 on a vehicle. Although they can “afford” to purchase more expensive products, they chose not to because the increase in value did not match the increase in price.

Also important to note is that those who accumulate wealth tend to be much more generous with their wealth. Individuals and families that have a high income, but a very low net worth do not tend to give much away. However, those that tend to save much of what they earn at whatever income level are, statistically speaking, more generous than your average American. Many of these next-door millionaires give away more than 5% of their income per year to registered charities, in addition to gifts to family.

To some this may seem counter-intuitive. Why should the savers be better givers? However, it makes sense when we consider the question from a different angle. High spenders don’t hang onto their money, but they have been mastered by their money and take pleasure in its spending. They, therefore, have a stronger love for money because of what it can get them. In contrast, the savers have mastered their money. They see it for its good beyond immediate consumption. They are also much more likely to want to see those funds invested into their community in a way that will cultivate hope for others.

The Next Millionaire Next Door leads me to believe that the majority of the “rich” are not the ones that are featured in the tabloid news or that are constantly scrabbling greedily for wealth. Rather, many of those who have obtained wealth in our society have, in some form or fashion, heeded the principles of 1 Tim 6:8–10:

But if we have food and clothing, with these we will be content. But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.

Though the political left, especially young socialists, tend to demonize those that have worked within the American economic system for decades to slowly accrue wealth, that demonization appears to be unwarranted. Those Christians who demean others, especially other Christians, for building businesses, working hard, participating in the community, giving regularly, and still managing to cultivate relative wealth are missing the fact that many of the next-door millionaires have done so by not loving money.

This is an interesting reversal. Next-door millionaires tend to be those who are generally content with food and clothing. They did not desire the wealth, but when they acquired wealth, they were good stewards of it. Statistically speaking, they give generously, live modestly, and work diligently. In fact, for most of those highlighted in this book, becoming wealthy was a secondary result of living wisely with those behaviors.

This sort of study might be helpful in overturning some negative perceptions and hostile rhetoric toward a portion of the population that has been diligent and, often, less self-interested than others in their pursuit of the good life. In this case, the good life being defined not as the unending accumulation of wealth, but of working hard, loving family and neighbor, and stewarding resources to have a reasonably secure future. In the United States that sort of lifestyle is often (but not always) rewarded with an abundance of resources over time.

Your Money or Your Life - A Review

In 1992 a little book was released that is still creating ripples today, nearly three decades and three editions later. Vicki Robin and Joe Dominguez published Your Money or Your Life not long after a major stock market crash on Black Monday 1987, as the United States was suffering under a slow-recovery recession after a decade of decadence. Your Money or Your Life is largely credited as the inspiration of the FIRE movement, which calls people to work hard, live frugally, save vigorously to achieve financial independence with the goal of being able to step away from the daily grind years before normal cultural expectations.

In true American fashion, the book is fashioned as a simple nine-step process that raises the reader’s awareness of where your money has gone, where it is going, and where you would really like it to go. The central concept of the book is that in the modern economy, humans trade time for money. And, since time is the one thing every human has a limited amount of in this life, they describe the employment relationship as one of trading life energy for money, hence the title: Your Money or Your Life.

As with many truly helpful things, the book’s premise is incredibly simple: For a great many people, raising awareness of expenses and asking a few value questions can reorient attitudes in ways that help shake of consumeristic habits and lead to a great deal more financial freedom. The concept works much better for those that are middle-income or higher, since the poor tend to already have a tight focus on their finances. But as Robins points out, many middle-income people have no idea where their money goes and are wasting a great deal of their time earning money to spend on things or experiences that give little satisfaction.

The practical advice in Your Money or Your Life is sound, which helps explain why a third revision was just released. The core is sound, though the specifics of recommendations have had to change. For example, in a low interest environment, the early advice to use bonds to fund retirement would be a relatively quick path to ruin.

Philosophically the book is all over the place. It mixes a few proof-texts from the Bible with Eastern thought, as well as some assumptions that are more American than anything else. However, by common grace there is a helpful integrity to the outlook, however quilted the underlying ideas may be.

One of the more helpful ideas that the book promotes is that all of life should be viewed as a whole. We can’t see our budget as one piece of our lives, our work as another, and our home life as something entirely different. All of them are of a piece and impact one another, as anyone who has worked alongside someone going through a divorce can attest. This isn’t to suggest that getting one thing right fixes everything, but what Robin and Dominquez point out is that viewing them all together helps us make better choices in the places we have agency. Spending money is, for many of us, one of the places we have the most agency. Therefore, the encouraging people to ask questions about how their spending reflects their values can lead to changes that open up opportunities in other areas.

Another significant element of the book is that it forces readers to rethink the nature of work. They argue,

The real problem with work, then, is not that our expectations are too high. It’s that we have confused work with paid employment. Redefining “work” as simply any productive or purposeful activity, with paid employment being just one activity among many, frees us from the false assumption that what we do to put food on the table and a roof over our heads should also provide us with our sense of meaning, purpose and fulfillment. Breaking the link between work and money allows us to reclaim balance and sanity.

There are too many eggs in the “work” basket for many of us. We define ourselves by our job and invest our best energy into tasks that may be demeaning or seem to be designed to be frustrating.

To some degree, that is the nature of an industrialized economy, which sometimes reduces tasks to repetitive minutia in the name of efficiency. Connected to this reduction is that due to the liquidity of modernity, there are few stable aspects of a contemporary human’s life. We are likely to change jobs, move thousands of miles, and undergo shifts in vocation that would have been unthinkable for the majority of human history. Work was meant to be satisfying as we create and organize, being made in the image of God. What work has become is not what it was meant to be. This is helpful truth that the authors recognize.

The book carries some significant baggage philosophically. The authors seem to assume that one of the primary purposes of humanity is to achieve a degree of autonomy. The number of cases of divorce they seem to celebrate is significant. There is an assumption that happiness can be achieved in some measure through material goods. All this and more lie beneath the surface, which should cause the Christian to read this book with care. At the same time, the advice is presented by non-Christians who argue for a distinct worldview, which makes it easier to chew the meat and spit the bones than when someone reads Dave Ramsey or another of the Christian financial gurus, where a heavy dose of proof-texts and testimonies saturated with church language can cause us to lower our guard, allowing greed to slip in when we least expect it. Your Money or Your Life is helpful, in part, because it is written from a different perspective that can be illuminating even as we filter it carefully.

For many American Christians, the lure of consumerism has led to an increase in consumer debt, a lifestyle of excess that would have shamed earlier generations of believers, and an increasing difficulty to enjoy the benefits of real wealth in one of the most affluent societies on earth. Books like Your Money or Your Life can present an alternative picture that is, in fact, closer to a biblical attitude toward money and the unity of life than many similar products from faith oriented Christian publishers offer. It’s high time American Christians began to rethink their money habits, and Your Money or Your Life is a decent place to start.

Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018

By Robin, Vicki, Dominguez, Joe, Mr. Money Mustache

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All God's Children and Blue Suede Shoes - A Review

One of my best recent investments has been in a subscription to the Mars Hill Audio Journal.

I’ve known about Ken Myers for years, but with so many free podcasts and sermons, I’ve never felt justified in paying for the material. I was tremendously wrong.

The first inkling of the error of my delay came when I purchased a single edition, “The Christian Mind of C. S. Lewis,” because one of the contributors to that edition also contributed to a book I was editing with the same title. After I listened to that hour-long recording a few times, I was ready to plunge into a full subscription.

Since I began listening to Ken Myers conducting interviews on a regular basis, I decided to finally pick up a copy of his book, All God’s Children & Blue Suede Shoes: Christians and Popular Culture. The book was originally released in 1989, but has remained in print since. Crossway released a reprint edition with a new introduction in 2012. In the world of publishing, that is a pretty significant record for longevity. It is well deserved.

The constant refrain of Myers and Mars Hill Audio Journal is to pursue permanent things. So much of what passes for culture in our age is intentionally temporary and of little durable value. Modernism, which is a nebulous movement with many tentacles, demands that we believe that what is new and shiny must be better than what is old and well-worn.

Myers’ book is intended for Christians, it is not a generic critique of culture for a broad audience. It offers a consistent reminder that Christianity should have its own unique culture, which should have a distinct shape. And, since that shape is caused by the character of our immutable, impassible God, it stands to reason that an authentically Christian culture should seek after permanent things.

More significant, I think, to Myers is that Christianity should reflect a degree of excellence in its culture, rather than subsisting on the edges of the mainstream of popular culture, picking up the crumbs and copying the worst trends of a few months or years ago.

In this way All God’s Children & Blue Suede Shoes espouses something similar to Andy Crouch’s concept in Culture Making or what T. M. Moore argues for in Culture Matters. In some way, Myers also seems to be pushing for the recovery and restoration of permanent institutions, much as James Davidson Hunter does in To Change the World. All God’s Children & Blue Suede Shoes was a foretaste of what the Mars Hill Audio Journal would become four years later. It is a vision that has withstood the past thirty years quite well.

The book begins by describing the dangers of popular culture, beginning with its tendency toward trendiness. Everything is temporary and disposable. There is an immediate gratification that finds itself fulfilled primarily in a disenchanted materialism. That bleeds into the way that even Christians make decisions, where dollars and cents are the only real consideration for vocational changes and entertainment selection. The soul is not fully considered.

As Christians, Myers argues, we should be seeking after durable things. We should seek to value beauty, goodness, and truth. Those are qualities to our distinctly Christian culture that should go beyond merely gluing a Bible verse onto the cover of a journal or modifying rock and roll lyrics to have a gospel-centered vibe. Instead, we should be looking for transcendent qualities in our literature and our music.

This means that sometimes we will prefer art that has been created by non-Christians much more than that that has been created by believers. Because, if a novel points us deeper into the human experience as it ought to be, then that is a cultural artifact that deserves preservation. At the same, Christians should be more capable of creating those durable works of art because we should have a stronger sense of the transcendent, because the transcendent God lives within us immanently.

This is the tragedy of Christian sub-culture. Too often it is kitsch and cliché. Too often it is derivative. Instead of forming new Austens and Dostoevskys, popular Christian culture knocks off Danielle Steel. Biblical manhood becomes a caricature of tavern culture, except without the good beer. Our worship music starts to sound like the top 40, except without the resonance that even that tissue paper culture has.

Myers calls us to a deeper relationship with culture. To cultivate enjoyment in complex artforms that exalt the human soul, lifting them toward God. This is hard work, as he notes, but it is also an act of worship.

The downside of Myers perspective is that he seems to cut himself off from those occasional snippets of popular culture that use a throwaway medium to make a deeper point. For Myers, good music seems to end with Bach, though he’s willing to accept the value of Jazz. And yet, there are times when the collective weight of a seemingly vacuous television series can make a deeper point. Those cases are, admittedly rare, but following Myers too closely would cut us off from those opportunities. Of course, when we consider the amount of work it takes to sift through the tares to get those few heads of wheat, he may be on to something.

It’s hard to place this book, exactly. It is one that I’d like to read with my teenagers as we think about what good music, movies, books, and art ought to do to us and for us. But it is a book that presumes that the reader has some awareness of good and bad quality and has an ability to make discerning choices. For those that are raised on the cotton candy of cartoons, super hero films, and Christian prairie romance novels, Myers’ thesis may be a hard pill to swallow. And yet, if we are to recover our love for transcendent things and our culture-making Christian character, then the Church needs to listen more carefully to people like Myers.

All God's Children and Blue Suede Shoes (With a New Introduction / Redesign): Christians and Popular Culture (Volume 7)

By Myers, Ken

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