W. Clay Smith

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The Church that Didn’t Need Money

August 13, 2019 by Clay Smith in Church - as it should be

Once upon a time, there was a church that didn’t need money.  It happened like this:

A group of men gathered under the old oak tree that sheltered the little church.  One of them, Earl, spat on the ground and then offered his judgment: “I’m tired of the preacher preaching on money all the time.  That’s all he talks about!  Seems to me like he ought to talk about the Bible a little more and money a little less.”

“That’s right,” said Calvin.  “Why he just preached on tithing… when was it?  Back in November?   I reckon if he didn’t live so high on the hog, running the air conditioner in the parsonage all the time, he wouldn’t be so money hungry.”

“Now fellows, it takes money to run a church.  A church is like a business you know,” said Doyle.  “What we’ve got to do is figure out a way to cut expenses.”

“Why don’t we start with the preacher?” asked Ray.  “We cut his salary and we could save – what do we pay him? Twenty-five thousand?  Man, that’s pretty good wages for only working two hours a week!”  Every man laughed at that tired joke.

“Who’ll we get to preach?” inquired Doyle.

“Who says we need a sermon?  We could just gather up on Sunday, sing a few songs, make the announcements, have someone read a devotion, and have a closing prayer.  We’d get out early for change.  Might even beat the Methodists to the Cracker Barrel,” said Earl.

“You know, we could cut out Sunday night church, too.  It’s nothing but a bunch of old women and kids that come anyway.  You know what the light bill must be for Sunday nights?  I’ll bet you it costs a hundred bucks to run them big overhead lights in the sanctuary.  All we’re doing is making the electric-coop rich.”  All the men nodded at Calvin’s wisdom about the high cost of running the lights.

“You know I bet we could cut out a lot of things,” said Ray.  “Why do we keep sending money to missionaries.  Everybody in the world can watch TV now.  There ain’t no need to send somebody over there.  If folks want to find about Jesus, all they have to do is watch TV.  And we don’t need to send the kids to camp.  If parents today would take a belt to their hind ends like I did with my young’uns, they wouldn’t need no camp.  Let the parents teach ‘em at home.  That’s what my Daddy always said.”

“During Vacation Bible School, all I heard was the women gripe and complain,” offered Calvin.  We could cancel that and save a bunch of money.”

Silent Fred had been listening the whole time, but he finally spoke up: “We ought to stop buying those Sunday School books.  I’ve been telling people for years all we need is Bible.  If we stopped buying all those fancy video courses we could save enough to fix that leak in the roof.”

The talk went on for another hour or so and the men laid out their plan: Fire the preacher, cut out Sunday night church, cut out ministries to children and youth, stop sending money to missionaries, and stop buying church studies.  The way those men figured, the church could operate on about 20% of the current budget.

Over the objections of some folks (especially the preacher), they put their plan into action.  At first, it seemed like everything was the same, except for no Sunday night church.  Attendance was down a little bit, but the bank account was growing.  It didn’t take them long to cut out the devotional reading on Sunday, but everyone seemed happy that church was only lasting thirty minutes.   A couple of families with young children left, but the men figured they didn’t give much anyway. 

Then a couple of more families left.  The men couldn’t understand why.  Calvin went to talk to one of them and was told the church felt like it was dying.  He reported this to his friends under the oak tree and they all agreed that family was a bad influence anyway.

In about a year, the church was down to Earl and his wife, Calvin and his wife, Ray (whose wife quite coming to church with him and went to a church in town) and Fred (he had never married).  Doyle and his family had stopped attending; they weren’t going anywhere.  The men still talked under the old oak tree, but they assured themselves that everything was fine; the church had all the money it needed.

One year later, a realtor hammered down a sign in front of the church:  For Sale.  Zoned Commercial. 

If a church doesn’t want to do ministry, it doesn’t need money at all.

August 13, 2019 /Clay Smith
Generosity, church Finances, Dying Churches
Church - as it should be
mega millions.jpeg

Dear Lottery Winner

November 08, 2018 by Clay Smith in Church and Current Events

Dear Lottery Winner,

By now you realize that you’ve won the $1.6 billion Powerball Lottery.  So far, you’ve kept your identity secret which is probably a good idea.  Once you are known, relatives you didn’t even know you had will come out of the woodwork.  People will hit you up for small loans (just $100,000 or so) with no intention of paying you back.  Attorneys, Accountants, and Advisors will want to help you, for a small fee of course.

No doubt some preachers will try to give you advice.  They will mention tithing, I’m sure.  Since it is estimated that you will get some $900 million after taxes, a $90 million tithe could change many lives – including the preachers.

I’m sure when you bought the ticket, you played the fantasy game “What would I do if won?”  I didn’t buy a ticket and I still fantasized about what I would do with $900 million.  My plan was something like paying off my church’s debt, paying back all the money they had spent on my salary, giving my brothers and sisters a good sum for financial security, paying off my house, and buying a little something for myself – like all the ranch land that used to belong to my grandfather.

For me, all those decisions are just a fantasy, but for you, its reality.  And that’s why I’m writing you.  Jesus taught us something so profound, yet so simple about treasure.  It applies whether you believe in Jesus or not.  Jesus said, “Where your treasure is, there your heart will be also.”

You are facing decisions on an unimaginable scale that the rest of us face every day: What do I treasure?  Will you allow money to change how you feel about your spouse?  Will money change how you interact with your kids?  Does it have to? 

Sure, your new wealth will mean financial security.  Who wouldn’t want to live without debt and financial stress?  But this is where things get tricky.  Studies show people who win the lottery often wind up deep in debt.  They are more likely to divorce.  Fights break out among their children concerning wealth and possessions.  Winning the lottery is stressful.

I have no idea about your faith orientation, but you bought the ticket in one of the most churched areas of the country.  Maybe you understand that you are a soul, an eternal being. Money, however, is finite.  Whether you have billions or thousands, money can run out, even if you start with $900 million.  Your money may run out, but your soul lives forever.  Money can help your quality of life, but it does not determine the quality of your forever self, your soul. 

When Jesus said, “Where your treasure is, there your heart will be also,” I think he was saying, “The loyalty of your heart is shown by what you value.”  When Jesus speaks of your heart, he’s talking about your will, your decisions.  The decisions you make now that you are wealthy will show what you really value. 

Our culture values “more.” We assume more is better.  If you value your house, more house will make you happier.  If you value your boat, a bigger boat will make you happier.  If you value friends, more friends will be better (and believe me, plenty of people will want to be your friend).

I want to encourage you think in a different direction.  Jesus said, “It is better to give than to receive.”  You will find more joy, more hope, more love if you make it your goal to bless people with your wealth.

This will require great courage.  Most people who live pay-check to pay-check don’t discover and live by this great truth.  Having no idea about your previous generosity level, I can only imagine the challenge to learn generosity when you begin with so much.

My free advice, which is really Jesus’ advice, is to value your soul more than your fortune.  Don’t make a single decision about your new wealth without praying first.  Don’t hoard it.  Jesus told a story about a man who had bumper harvest and tried to hoard his crop by building bigger barns.  He died before his financial plan ever really got started.  You will only have control of your new fortune as long as you live; you will exist much longer.  Do you value now more than forever?  That will determine what you do with your treasure.

In the same chapter of Matthew where Jesus talked about heart and treasure, he said, “Seek first the Kingdom of God and his righteousness and all these things will be provided for you.”  Put God first; he’ll take care of you no matter what happens to the money.

Living in peace with God has an eternal return on investment. What will a person give in exchange for their soul?  Nothing, nothing is worth your soul.

With prayers for wisdom, courage, and strength,

Clay Smith

November 08, 2018 /Clay Smith
lottery, happiness, Generosity
Church and Current Events

Ten Mistakes Church Leaders Make with Finances plus one

10 Mistakes Church Leaders Make about Finances + One More

August 17, 2017 by Clay Smith in Church and Leadership

This is an excellent blog post by Dan Reiland about the mistakes church leaders make with finances.  Click here.

I’d add one more:  Failure to manage your personal finances well.  This is at the heart of 1 Timothy 3:4 –5:  “He must manage his own household well, keeping his children submissive in every way – for if a someone does not know how to manage his own household, how can he take care of God’s church?”

I’ve known too many church staff members who do not tithe, drown in debt, and are living paycheck to paycheck.

I say this as someone to whom financial discipline does not come naturally.  If that’s you, let me offer you this encouragement:  let your call give you the energy to manage your money well.

As Andy Stanley points out, everyone lives on a percentage of their income.  You simply need to do the hard work to discover what percentage you live on. 

An old formula still works best: 

  • Give 10%.
  • Save 10%.
  • Live on 80%.

To live on 80%, you will have to manage your household well.  You will have to tell your children “no.”  I was talking to a pastor who was drowning in debt.  He took his son to Disney, put it on a credit card, because he wanted his son to have a good birthday.  I get the Father love involved, but how will that Dad feel when he has to say to his son, “Sorry, there’s no money for us to help you go to college.  You will have to borrow money.”  How will the son feel when he has to shoulder tens of thousands of dollars in debt because his parents did not manage their household well?

Let me gently confront you with some traps to avoid:

  • “The bank will lend us money, so we can afford it.”  Nope, the bank wants to make money off you and doesn’t care if you go deeper in debt.
  • “You’re always going to have a payment, so I might as well get a new (car, motorcycle, boat).  After all a payment is a payment.”  Nope.  You can actually pay cash for a car that is not new.  You can save for discretionary purchases.
  • “I give my time, so I don’t have to tithe.”  Nope.  Not in the Bible.  Plus, trying selling that to your volunteers.
  • “The church doesn’t pay what I’m worth so I consider what they don’t pay me as my tithe.”  Nope.  I know you are probably underpaid, but someone else’s sin doesn’t justify your bad decision.
  • “I’m trusting God to take care of me, so I don’t need to save.”  Nope.  This goes against the whole idea of wisdom.  Read Proverbs.  God put Wisdom Literature in the Bible for a reason:  so people will be wise.  That means saving.  Saving is wisdom.
  • “I know I shouldn’t put this on the credit card, but my (wife, husband, children) will be deprived if we don’t (do this activity, go on vacation, have a big Christmas).”  Nope.  Your children and spouse will be more deprived by the stress your financial situation brings.
  • “I know we need to change the way we live, but my wife/husband has no idea how bad a shape we’re in and I’m afraid to tell her/him.”  Nope.  Time will not improve the news.

Start today.  Admit you need help.  Check out Dave Ramsey.  Have the tough conversation.

When you start to manage your own money well, it gives you a spiritual authority you need to lead God’s people.

 
August 17, 2017 /Clay Smith
church Finances, Dan Reiland, Stewardship, Generosity, Personal Finance
Church and Leadership
 
 

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