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    S15 - Run after money (lovers of money)

    Matt 6:24; Mark 4:19; Luke 8:14; Luke 16:14; 1 Tim 6:10; 2 Tim 3:2; Jude 11

    1 Tim 6:10 says,

    ‘For the love of money is a root of all kinds of evils.’

    It is through this craving that some have wandered from the faith and pierced themselves with many pangs.

    Love of money’ is a ‘disease’ that infects many of us, whether the person is a minister of the word or a homeless man. Luke 16:14 calls out the Pharisees as being ‘lovers of money’ and Mark 3:19 calls it out as being ‘the deceitfulness of riches.’

    We can tell where our priorities lie by observing how we respond to money situations. Does our heart follow the money?

    Someone said that money is an amplifier – it makes you more of what you already are. If we are generous, more money will make us more generous. If we worry, with more money, we will worry more. And if we are arrogant, having more money will make us even more arrogant.

    1 Tim 6:10 tells us that even believers can be caught out with this love. Jesus told us that we either love God or mammon – Matt 6:24. It seems like there is no in-between.

    Money by itself is not ‘evil’ but it is the ‘love of money’ that is sin.

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    S16 - Accumulate wealth as an end goal

    Matt 6:19-21; Luke 12:21

    Luke 12:21 calls out a rich fool ‘who lays up treasure for himself and is not rich toward God.’

    This sin is targeted at the rich, and not necessarily famous, believers.

    All of us needs money to survive; it is the currency of our society. But some sees money as an end to itself. Accumulation becomes a sport. The Bible calls these people as those who ‘lay up treasures on earth’.

    We have, for example, read about how some political leaders have generated so much obscene wealth but yet continue to do so. Robert Mugabe, the previous strongman of Zimbabwe, for example, has been reported to possess more than £ one billion and he is already 95 years old. In such an impoverished country as Zimbabwe, his youngest son posted on Instagram a photograph of his $60,000 watch which was doused with champagne from a bottle of Armand de Brignac gold champagne, reportedly retailing at $400 a bottle. Why do you think Mugabe has chosen to accumulate?

    But it is not just political leaders. Many sufficiently well off people suffer from the disease of wealth accumulation and neglect to ask God what he would like them to do with what they already have. The issue with wealth is that we can never take it with us when we die.

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    S17 - Spend wastefully and carelessly (bad stewardship)

    Matt 14:20; John 6:12;

    Matt 14:20 says,

    ‘And they all ate and were satisfied. And they took up twelve baskets full of the broken pieces left over.’

    Jesus had just finished feeding the five thousand. But the Bible also recorded this mundane event of clearing and cleaning up. Was Jesus an environmentalist or was he emphasizing the importance of not wasting?

    There were other incidents when he miraculously turned a few fishes and loaves of bread into much food in order to feed his traveling congregation.

    In John 6, Jesus turned five barley loaves and two fishes into enough food to feed more than five thousand people. Again, he got his disciples to ‘gather the leftovers, so that nothing is wasted’ (John 6:12). They collected twelve baskets of fragments.

    Jesus detested waste. As believers, we have to learn how not to be wasteful too with our time, money and energy.

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    S18 - Accept bribes

    Luke 3:13

    Luke 3:13 says,

    ‘Collect no more than you are authorized to do.’

    This came from John the Baptist. He emphasized that it is important if we are custodian of money not to be corrupt. During those days, the soldiers could have collected more money and pocketed the difference.

    Another important consideration is the perversion of justice. Prov 17:23 says, ‘The wicked accepts a bribe in secret to pervert the course of justice.’

    We can always rationalize and adjust accordingly for our benefit. Whatever which way, corruption is a sin.

    NB: This is not to say that believers cannot give gifts. In fact, it is encouraged. Proverbs 18:16 says,

    ‘Giving a gift can open doors; it gives access to important people.’

    Similarly, in Prov 17:6, it reads, ‘A bribe is like a magic stone in the eyes of the one who gives it; wherever he turns he prospers’. The word ‘bribe’ here is the Hebrew word shochad and may be translated as a ‘present’.

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    S19 - Swindle money from others

    1 Cor 6:10

    1 Cor 6:10 uses the term ‘swindlers’. The Greek word is ‘harpages’, like a robber or an extortioner. Here again, we are referring to a person who collects (or cheats) money that is not his, as an illegal activity.

    The Apostle Paul made it clear that it is a sin.

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    S20 - Fail to provide for the family

    1 Tim 5:8

    1 Tim 5:8 says,

    ‘If anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever.’

    Those are quite heavy words. It is even more problematic as people in some countries choose not to work and rely on the state for welfare grants. It is equally sad when certain men impregnate a woman and then move away without supporting her or acknowledging the child as his own.

    Choosing not to provide for one’s own household is a major sin, enough for Paul to say that this person is ‘worse than an unbeliever.’.

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    S21 - Profit from preaching the Gospel

    Matt 21:12-13; Mark 11:17; Luke 16:14; John 2:14-16; James 3:1

    Luke 16:14 says,

    ‘The Pharisees who were lovers of money.’

    Surprisingly, it is not that difficult to accumulate money through sharing the word of God if one is charismatic. Inherent within people is a yearning for God and preachers can use that to their advantage. Many pastors may start off with the best of intentions but money is a great tempter. And there is a lot of money to be made in religions.

    In the US, for example, religious organizations are given tax exemptions. Churches are considered to be public charities under Section 501(c)(3). As such, they are generally exempt from federal, state, local income and property taxes.

    On top of that, megachurch preachers can also make money from selling books and audio messages since they already have a receptive audience.

    Of course, the question to ask is, what and how should these preachers be rewarded? Jesus had this to say in regard to preachers who benefit financially from the preaching of his words,

    ‘My house shall be called a house of prayer for all the nations but you have made it a den of robbers’ (Mark 11:17).

    Matt 6:24 says, ‘No man can serve two masters: either he will hate the one and love the other ….. You cannot serve God and money.’

    It is a sin that all preachers of the word must be careful of. As shepherds, their responsibilities are greater as James 3:1 says,

    ‘Not many of you should become teachers for you know that we who teach will be judged with greater strictness.’

    See also at B371 – Keep an eye out for false teachers.

    Having said this, in order to get a balanced perspective, read also B65, Honor church elders

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    S22 - Profit from leading a group of believers

    2 Peter 2:15; Jude 11

    2 Peter 2:15 reads,

    ‘…. They have followed the way of Balaam, the son of Beor, who loved gain from wrongdoing.’ Jude 11 talks about the people abandoning themselves for the sake of gain to Balaam’s error.

    Who is Balaam and what did he do?

    Balaam was a non-Israelite and a special prophet of God; in fact, God spoke to Balaam directly. He must had been a very reliable prophet because Balak, king of Moab, approached him with money to curse Israel when they were advancing toward Moab. Balaam did not manage to pronounce his curses because God prevented him from doing so. But he provided the key to the Moabites to weaken Israel in the sight of God; he suggested to Israel’s enemy to use women and sex to compromise their strengths (Num 31:16).

    Here, it shows that even a very credible man of God can cave in to money. It is a warning to God’s servants to serve God rather than mammon (or money).

    The problem lies with the fact that we don’t even know our own heartProv 16:2 says,

    ‘All the ways of a man are pure in his own eyes but the Lord weighs the spirit.’

    Pastors are really under-shepherds of our great Shepherd. Their leadership is critical because it directly impacts the state of the people and the church.

    Bad-shepherding can ruin a people and potentially a nation; we have read a few of these cases with men of God who had gone awry. Elements of bad shepherding can be found in Matt 23:13-36 when Jesus described the Pharisees of his days.

    If we are unsure of our hearts, shall we not remind ourselves on the importance of contentment like the Apostle Paul?

    ‘Not that I am speaking of being in need, for I have learned in whatever situation I am to be content. I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need. I can do all things through him who strengthens me.’ (Ph 4:11-13)


    ‘Keep your life free from love of money and be content with what you have, for he has said, ‘I will never leave you nor forsake you.’ (Heb 13:5).

    Hence, will it be wise to err on the cautious side?

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    S23 - Profit from selling things relating to the Gospel

    Mark 11:17; John 2:14-16; Acts 19:23

    John 2:14-16,

    ‘In the temple he found those who were selling oxen and sheep and pigeons, and the money-changers sitting there. And making a whip of cords, he drove them all out of the temple, with the sheep and oxen. And he poured out the coins of the money-changers and overturned their tables. And he told those who sold the pigeons, “Take these things away; do not make my Father’s house a house of trade.”’

    Outside the temple, people were taking advantage and doing business transactions. As a result, people forgot their real reason for being at the temple.

    Again, there is lots of money in religion. It could be a gold ornamental cross or a USB containing the teachings of the speaker. The key point: Does it distract a believer from worshiping God?

    Is the church the same as the temple? Many churches also set up auxiliary businesses like cafes, child-care centres, and potentially counselling services. These are profit centres. How would Jesus react to our current business model for our modern church? There are some churches that divide their operations into different entities with the business arm under a different name run by a dedicated CEO.

    It is a sin when the business becomes a distraction because the deceitfulness of riches creep in without us realizing it. It is a warning to church leaders.

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    S24 - Become a burden to the congregation

    2 Cor 11:7-15

    A leader should never be a burden to the congregation that they are serving. Paul was very careful not to be a burden to the church of Corinth when he was there. Paul says in 2 Cor 11:9,

    ‘I refrained and will refrain from burdening you in any way.’

    In Acts 18:3, it was mentioned that Paul supported himself by making tents while living and preaching in Corinth.

    A leader who burdens a group of his/ her members is no Christian leader at all. It is a sin to put members under unnecessary burden.

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