Author: Tim Ehrhardt

I'm just a common ordinary pastor, chaplain, father, grandfather, and dog owner who loves the smell of a genuine leather Bible and the aroma of its message. I'm on a quest to track down the best Bibles, how to best read and use them, and to discover the encouragement inside.

Romans 16:17-20 – Remove the Negative Influence

On By Tim EhrhardtIn Christian Spirituality Blog, Daily Bible Reading Blog, Exploring Church Ministry Blog, Year ALeave a comment
Snidely Whiplash, villain from the TV show Dudley Do-Right (1959-1964)

I urge you, brothers, and sisters, to watch out for those who cause divisions and put obstacles in your way that are contrary to the teaching you have learned. Keep away from them. For such people are not serving our Lord Christ, but their own appetites. By smooth talk and flattery, they deceive the minds of naive people. Everyone has heard about your obedience, so I rejoice because of you; but I want you to be wise about what is good, and innocent about what is evil.

The God of peace will soon crush Satan under your feet.

The grace of our Lord Jesus be with you. (NIV)

The Apostle Paul’s original writing of these verses was packed with an exceptionally large punch.  Almost every word he used was in the strongest possible language. For example:

“Urge” has the force of “beg,” as in the blind man crying out and begging Jesus to heal him. (Mark 10:46-52; Luke 18:35-43) 

“Watch out” has the meaning of marking someone as if to keep constant eyes on them.

“Divisions” are human created arbitrary lines, and acts of the sinful nature. (Galatians 5:19-20) 

“Obstacles” comes from a word in which we get our English word “scandal,” which is caused by judging another person. (Romans 14:13) 

“Keep away” is not a passive avoidance, but literally means to fling yourself away from a danger, like Joseph running out of Potiphar’s house and away from his wife. (Genesis 39:11-12)

Paul was begging his fellow brothers and sisters in Christ to identify people who contrive human divisions between others and create offensive scandals and get as far away from them as you can.

If this were a professional wrestling match, the Apostle Paul would be in a cage match against the Jewish Christian Bruiser who has been talking trash for months about the Gentile Christians. In the church at Rome, there were three primary groups of people: 

  1. Gentile Christians who had come to faith in Christ from their pagan backgrounds and were delighting in their newfound change of life.
  2. Jewish Christians who had come to faith in Christ and liked their old religious traditions yet were willing to change to accommodate new believers.
  3. Jewish Christians who had made professions of faith in Christ, and not only wanted to keep their centuries old traditions but were unwilling to change and sought to make Jews of the Gentiles, using every ounce of influence, power, manipulation, and negativity to do it.
Professional wrestling star Dick the Bruiser (career 1954-1986)

Paul, as a Jewish Christian himself, clearly understood what they wanted and what was at stake. Paul’s insistence throughout his letter to the Romans was to argue for the priority of the good news that sinners find forgiveness based in grace alone through faith alone in the finished work of Jesus Christ, apart from circumcision, Sabbath observance, liturgical traditions, feast days, and ritual observances. Paul had no problem with the practices themselves; what he had an issue with is making them mandatory alongside the gospel. 

The Jewish Christian Bruisers felt justified in doing whatever they could to stand against a change in their traditions. They tried to negatively influence everyone they could. And if they could not get anywhere with Paul, they would go underground and be as subversive against him as they could. Yet, Paul remained consistent in all the churches about the reality of God’s grace in Christ.

Paul understood that negative people only create more negative people – which is why he said to Titus, after having talked to him about the priority of being justified by grace: 

After a first and second warning, have nothing more to do with a person who causes conflict, because you know that someone like this is twisted and sinful—so they condemn themselves. (Titus 3:10-11, CEB).

Whenever a passion for power and tradition prevails over a desire to see people come to faith in Jesus Christ, then we have an issue of character. Stirring up antagonism against biblically-oriented, Spirit-directed change is demonic – and the real test of it is a constant stream of negativism which is secretive, remains in the shadows, relies on gossip and slander for its fuel, and hates being in the light.

Jesus said to be as shrewd as snakes and as innocent as doves because there are wolves among the sheep (Matthew 10:16). You will know them by their fruit. We are called not to participate in negative influences!  Thus, individuals must be called-out for their chronic negative spirits. So, how do we do it?  How do we shut-out the negativity?

Refuse it.

Name it. Call it what it is: fighting against the Holy Spirit and attributing evil to the work of God (Matthew 12:30-32). When someone comes to you and wants to dish up a little sumthin’-sumthin’ on someone or something, refuse to take the bait. Reject the deprecation like the big man in the middle of the defense in basketball, rejecting the shot, with announcer Marv Albert shouting, “Ree-jected!”

Keeping a group of friends who are positive, encouraging, helpful, and steering clear of antagonistic attitudes is extremely beneficial to both physical and spiritual health.  In a recent study at Stanford University, a pair of researchers reviewed over 200 studies on group therapy and concluded that group members “develop close bonds with the other members and are deeply influenced by their positive acceptance and feedback.”  In other words, negative thinking keeps people in bondage, whereas the positive encouragement of others brings freedom and life.

Rebuke it.

Someone might be speaking to you, start talking around some issue slowly, but eventually comes around to carving up another person like a Thanksgiving turkey. What do you do?  Rebuke it. We can say something like, “When you continue to speak with such negativity about ______ I feel upset because I need to be in a place which helps me to spiritually grow. Will you please stop being so negative?”

I once had a person come to me not knowing how to deal with a negative person. I walked him through some biblical ways about confronting the negativity when it comes. He simply hung his head and said he could not do that. He was miserable, which is why he came and talked to me. And he walked away with that same misery because he was not willing to call out a person on their destructive negativity.

You and I are in control of our own happiness. If another person causes us anger; if some politician drives us nuts; if a television program or radio show is upsetting me; then, it is our responsibility to keep away. If we have a chronic negative person in our life, and have tried to deal with that person, and they refuse to listen, we can say something like this when they start their rant: “I don’t want to hear it. And if you keep bringing it up and being negative, I will walk out of the room.”  The principle here is that we control our own behavior, not somebody else’s.

Redirect it.

Satan is the author of negative antagonism. He talked trash about God in the garden to Adam and Eve. So, avoid getting caught up in trying to dialogue with a negative person. Redirect the negativity by calling the person to change their ways, because truth be told, the negativity is really rebellion against God. It is not uncivil to put the focus on the life-giving positive effects of God’s gospel of grace in Jesus Christ and insist on repentance.

If you are wondering, “I could never do that” then you likely have been telling yourself a lot of negative thoughts. God calls us to stamp-out the negativity before it can get started, even within our own brains. In some cases, we need to re-train our minds to focus on the positive, and not the negative.

It takes two to tango. Negativity cannot survive if there is no one to listen to it. We are to stop being negative and stop listening to negative people because it creates divisions and scandals. If there are people who chronically have negative speech and can never seem to say anything good about someone or something, Paul said to stay away from them. Have nothing to do with them. Do not participate in the divisive speech. Refuse it.  Rebuke it. Redirect it. God wants us righteous and robust, holy, and happy – not walking around like a grump who was baptized in pickle juice.

We can choose to fill our minds with the gospel of Jesus; pray positively about everything; and find the good in all things. We can continually choose to cultivate unity, purity, peace, and love. In doing so, we enjoy life together.

May it be so, to the glory of God.

Psalm 119:97-104 – God the Teacher

On By Tim EhrhardtIn Christian Spirituality Blog, Daily Bible Reading Blog, Year ALeave a comment

I deeply love your Law!
    I think about it all day.
Your laws never leave my mind,
    and they make me much wiser
    than my enemies.
Thinking about your teachings
    gives me better understanding
    than my teachers,
and obeying your laws
makes me wiser
    than those
    who have lived a long time.
I obey your word
    instead of following a way
    that leads to trouble.
You have been my teacher,
    and I won’t reject
    your instructions.
Your teachings are sweeter
    than honey.
    They give me understanding
    and make me hate all lies. (CEV)

We live in a wonderful, complex, beautiful, broken, and upside-down world. The information we access, the choices we make, and the networking we engage in all require a great deal of wisdom.  Throw into the mix the reality that most things rarely go as we plan, and you have a recipe for disappointment and/or frustrating anger.  So, is there a path, a way of approaching this world that can help us navigate all its twists and trials?  Yes, there is a light through it all. Today’s psalm informs us how to proceed.

Wisdom in the Old Testament is the ability to take revealed truth and put it into concrete daily practice. So then, a life marked by the love and study of God’s Word brings both right living and enjoyment. God is our teacher and faithfully guides us into grateful living through his promises and commands. We can put ourselves in a position to sit at the master’s feet and receive gracious instruction for life.

Lectio Divina is one way of doing just that: allowing God to teach us through his Holy Word. Lectio Divina is an ancient Latin term which means “spiritual reading.”  It means to read Holy Scripture not just to know its contents, but to experience its power to restore, heal, transform, provide wisdom, and draw close to God. 

Lectio Divina is a simple way to prayerfully read the Bible, meditate on its message, and listen for what God may be saying for us to do.  It can be done privately, or with a small group of people.  The goal for the Christian is to become more Christ-like.

Lectio Divina is based upon reading a selected text of Scripture three times. Each reading is followed by a period of silence after which each person is given the opportunity to briefly share what they are hearing as they listen to God (if done in a group).

First Reading

During the first reading, read the text aloud twice. Read slowly and carefully. The purpose of the first reading is for each person to hear the text and to listen for a word, phrase or idea that captures their attention. As group members recognize a word, phrase, or idea, they are to focus their attention on it, repeating it within their minds several times.

Second Reading

During the second reading, read the text again. This time, listeners are to focus their attention on how the selected word, phrase or idea speaks to their life that day. What does it mean for you today? How is Christ, the Word, speaking to you about your life through this word, phrase, or idea? What is Christ, the Word, speaking to you about your life through this word, phrase, or idea? After the reading, a brief period of silence is observed and then group members share briefly what they have heard.

Third Reading

Read the text again. This time, listeners are to focus on what God is calling them to do or to become. Experiencing God’s presence changes us. It calls us to something. During this final reading, focus on what God is calling you to do or to be.  After the third reading, there is a period of silence, then group members share what they are being called to do or to be.

The psalms, especially Psalm 119, are meant to be read over-and-over again, to be used for prayer, worship, and study. Devoting ourselves to the psalms and grafting them into our lives is one of the best practices we can do to live a healthy and happy spiritual life.

Almighty God extend your goodness to me according to your Holy Word. Teach me knowledge and good judgment because I trust your commands. I seek to obey your wondrous Word. You are good, and what you do is always good. Teach me your decrees through Jesus Christ my Lord in the wisdom of your Holy Spirit. Amen.

Matthew 20:1-16 – The Parable of the Vineyard Workers

On By Tim EhrhardtIn Christian Spirituality Blog, Daily Bible Reading Blog, Year ALeave a comment
The Red Vineyard by Vincent Van Gogh, 1888

“For the kingdom of heaven is like a landowner who went out early in the morning to hire workers for his vineyard. He agreed to pay them a denarius for the day and sent them into his vineyard.

“About nine in the morning he went out and saw others standing in the marketplace doing nothing. He told them, ‘You also go and work in my vineyard, and I will pay you whatever is right.’ So, they went.

“He went out again about noon and about three in the afternoon and did the same thing. About five in the afternoon he went out and found still others standing around. He asked them, ‘Why have you been standing here all day long doing nothing?’

“‘Because no one has hired us,’ they answered.

“He said to them, ‘You also go and work in my vineyard.’

“When evening came, the owner of the vineyard said to his foreman, ‘Call the workers and pay them their wages, beginning with the last ones hired and going on to the first.’

“The workers who were hired about five in the afternoon came and each received a denarius. So, when those came who were hired first, they expected to receive more. But each one of them also received a denarius. When they received it, they began to grumble against the landowner. ‘These who were hired last worked only one hour,’ they said, ‘and you have made them equal to us who have borne the burden of the work and the heat of the day.’

“But he answered one of them, ‘I am not being unfair to you, friend. Didn’t you agree to work for a denarius? Take your pay and go. I want to give the one who was hired last the same as I gave you. Don’t I have the right to do what I want with my own money? Or are you envious because I am generous?’

“So, the last will be first, and the first will be last.” (NIV)

We as humans have an innate sense of right and wrong, justice and injustice. We want life to be fair. It disturbs us when there is favoritism, discrimination, and preferential treatment. When things seem askew and others seem more privileged, envy can creep in and settle in our bones.

The envy can go even deeper. For example, is it fair that any child should struggle with health issues like cancer, epilepsy, and mental disorders?  Is it fair to have healthcare disparities? Is it fair to have a spouse taken from you before their time?  Is it fair to lose your job because of a pandemic? Is it ever fair to be treated like a second-class citizen?

Pat answers to people’s genuine struggles will not do, such as “Well, you just need to work hard and hope for the best;” “We have to take what is given us and accept these things;” “Think of all those starving children in India;” or the more crass, “Suck it up buttercup; life was never meant to be a rose garden.”  Those statements simply do not help.

At the heart of envy is the belief that others are getting something that I deserve.

Plenty of jerks have healthy grandkids, grow old with their spouses, and retire in comfort with plenty of money. “It isn’t fair!” we cry.

God does not always operate according to our standards of fairness. God’s very nature is to be generous and full of grace. The parable which Jesus told about the vineyard workers is a story not of unfairness, but a story of generosity and grace. It is all in how you look at it.

Parable of the Workers in the Vineyard by Rembrandt, 1637

A normal workday in the ancient world was ten hours, not counting breaks. The workday began at 6:00am. A denarius was a typical day’s wage for laborers. The landowner went out at the third hour, 9:00am; the sixth hour, noon, etc. He kept returning to hire more workers even up to the last hour of the workday. Laborers were always paid at the end of the day. In this parable, the last workers were paid first, which prompted the first workers hired to think they would be getting more, even though they had been promised a denarius. So, they grumbled about not getting more. They thought the landowner was not being fair.

Grumbling. Complaining. Murmuring. It is the bane of our existence. Decades ago, when gas station attendants still filled tanks for customers, I was working at a station and had a lady go berserk on me for not checking her oil and cleaning her windshield, because I did it for the car in front of her. Even though there was a sign right in front of her that said checking oil and cleaning windshields is only done upon request, the lady thought she was getting gypped. 

In truth, the landowner did not cheat or defraud the workers in any way. He paid the agreed upon wage, just like he promised. Should he want to pay everyone the same even though the amount of work was different was his own business. The problem was not with the owner, it was with the worker’s envy of the owner’s generosity toward the others. God distributes gifts because he is gracious, not because we have earned anything.

Our standard of fairness is not the rule of the kingdom of God – grace is.

The founder of Methodism, John Wesley, was physically thrown out of a church one Sunday because of a sermon he was preaching on the grace of God. Afterwards, when Wesley wrote about this to a friend, he said, “There is no Christian Doctrine more repugnant than the affirmation that we are saved by the grace of God through faith.”

Deep down many believe we control our destiny, and that we save ourselves by what we do. We discern that if we serve God all our lives, in the end, God will reward us. We believe that our pious activities, our acts of service and our work for the Lord, will bring us salvation, or, at least a leg up in the kingdom of God over others who have not worked as hard or as long as we have. After all, we do the right thing.

So, what about those who have not figured out Christianity… those who do not have the correct or proper beliefs… or those who have not straightened out their lives? According to a worldview of human fairness, they are out of luck. They should be in church. They should work harder, faster, and better. Then, they could get their lives in order. If they would only understand fairness, we reason, then all would be well.

Parable of the Vineyard Workers from unknown artist in the Middle Ages

But there is a problem, because the parable of the workers told by Jesus seems to be saying that is not how it works, at all.  Jesus seems to be saying that grace and grace alone saves, that God’s amazingly naive and irresponsible grace is available to anyone and everybody. And that troubles the workers to no end. 

Whenever we run headlong into God’s unfair grace and see that God’s way of doing things is so far removed from our way, there is bound to be grumbling.  After all, if God is going to run a vineyard like the one in the gospel lesson and give everybody the same pay regardless of their actual work hours, then what’s the use of getting up early in the morning to work? 

What is the good of sitting in church, listening to sermons from a crazy preacher who is no better than us, if these outsiders, these Johnny-and Jane-come-lately’s can waltz in at the last minute and receive the same treatment as the rest of us?  For many church folks who diligently serve, it is not fair to pay so much attention to outsiders and build ministry around people who aren’t even here, who don’t yet know Jesus.

The conclusion and point of the parable: The last will be first, and the first will be last. In Luke’s prodigal story, the elder brother grumbles and gripes: “All these years I’ve been slaving for you and never disobeyed your orders.  But when this son of yours who has squandered your property with prostitutes comes home, you kill the fatted calf!”  It is the firstborn son that complains. (Luke 15:11-32)

In both the parable of the prodigal son and the parable in today’s lesson, “good” people are the ones who fail to see the heart of the Father and of the landowner. The “firsts” got off track because, over time, they forgot the kingdom hinges on grace, not effort, on not simply doing the right things over a long period of time.

God controls the flow of mercy, not us. 

We will likely be surprised in heaven with those already sitting at God’s banquet table, and equally surprised with who is not there. Resentment can move us away from the table of mercy God is preparing. The problem comes whenever we think we are above other people.  We might be sinners, but we are not as bad as some other people are!  We commit ordinary sins, not mass murder!

Here is the unvarnished truth: God does not owe you or I a thing, and God cares about all kinds of people, not just us and people who think and live like we do. Our hearts need to be big enough to center ministry around other people who are different than us.

If our hearts are small, we easily get jealous when God pays attention to prodigals and profligates. Grace becomes too repugnant a doctrine for us.

The gospel of Jesus Christ is about grace. Life is not all about being decent. It is not all about morality, and it is certainly not about our own goodness. The gospel is about being steeped in and surrounded by the grace of God in Christ, so that we, in turn, can show others grace. Grace is the way God deals with us beyond what we deserve or feel we have earned. 

Grace is unfair; we get what we do not deserve. 

May we allow God’s grace to so permeate our hearts and lives so that we will give it to others as freely as we have received.Praise be to you, almighty and everlasting Father of our Lord Jesus Christ. In Christ, you have given us every spiritual blessing in heaven. In Christ, you chose us before the world was made. You chose us in love to be your holy people—people who could stand before you without any fault. And before the world was made, you decided to make us your own children through Jesus Christ. It pleased you to do it. And this brings praise from us because of your wonderful grace, given to us freely, in Christ, the one you love. We have forgiveness of sins because of this lavishly rich grace. Thank you, O my Father, for your grace extending to me in Christ! Amen

Matthew 19:23-30 – Come-to-Jesus Meeting

On By Tim EhrhardtIn Christian Spirituality Blog, Daily Bible Reading Blog, Year ALeave a comment
Jesus and the Rich Young Man by Chinese artist, 1879

Then Jesus said to his disciples, “Truly, I tell you, it is hard for someone who is rich to enter the kingdom of heaven. Again, I tell you, it is easier for a camel to go through the eye of a needle than for someone who is rich to enter the kingdom of God.” 

When the disciples heard this, they were greatly astonished and asked, “Who then can be saved?” 

Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” 

Peter answered him, “We have left everything to follow you! What then will there be for us?” 

Jesus said to them, “Truly I tell you, at the renewal of all things, when the Son of Man sits on his glorious throne, you who have followed me will also sit on twelve thrones, judging the twelve tribes of Israel. And everyone who has left houses or brothers or sisters or father or mother or wife or children or fields for my sake will receive a hundred times as much and will inherit eternal life. But many who are first will be last, and many who are last will be first. (NIV) 

We all have a chronic struggle and relapse with some besetting shortcomings. We compulsively do them even though they harm us. Whether it is what we typically think of as addiction (alcohol, illicit drugs, etc.) or things we don’t readily notice as addictive (gossip, food, shopping) we need to be weaned off our damaging obsessions.

In Holy Scripture, the most pervasive and compulsive vice is the addiction to wealth and money. 

We all have our own unique tussle with money. If our initial knee-jerk reactions to money issues is to think of someone else (“I don’t have as much money as…” or, “So and so really has a problem with this…”) then this is what we call denial. The truth be told, all of us offer some disclaimer about how our trust is not in paychecks, bank accounts, and material stuff. For me, money buys books, of which my voracious appetite is never satiated.  

Even people who truly have little money and scant resources can have an addiction to money by thinking about it and wishing for it to an unhealthy degree, as if wealth is the thing that would make them happy. Folks in denial rarely have any idea how much they harm others, themselves, and even God. In fact, the consistent witness of the early church fathers is that the sheer accumulation of stuff is the same as stealing from the poor. 

Orthodox icon of Jesus and the rich young man

Sometimes, because of denial, people need an intervention. They need to be jolted back to their senses.  Intervention is a gift. Someone cares enough to intervene. Yet, many interventions do not work because the person can walk away and refuse to change. 

Jesus performed an intervention with a rich young man (literally, a twenty-something).  The young man was obsessed with wealth and money, but he did not see it. He thought of himself only as godly and spiritual. It is really a sad story because the man walked away unchanged by his encounter with Jesus. He failed to see himself as desperately needing to change. He held to his denial. (Matthew 19:16-22) 

Jesus exposed the young man’s divided loyalties of trying to serve both God and money. He would have to choose between the two. This is our choice, as well. God wants an undivided heart and loyal allegiance. Jesus is looking for those who are poor in spirit and recognize their great need for God, rather than believing they are okay and just need to add a little Jesus to their lives. God wants spiritual beggars who understand their desperate situation and do not practice denial by sugar-coating their actual spiritual state. 

Just like an addict who either cannot or will not give up the addiction, the rich young man would not give up his disordered love for money and possessions. So, Jesus did an intervention. Christ does not ask everybody to do exactly as he called the rich young man to do. For example, Jesus asked neither the wealthy Zacchaeus to do it, nor the disciple Peter to sell his fishing business. However, Jesus does ask all of us to do what seems impossible and let God meet our needs. 

Christ had the original come-to-Jesus-meeting with his disciples in debriefing about his conversation with the rich man. If it is so impossible and so difficult for a rich person to be saved because his wealth gets in the way, who then can be saved, the disciples wondered? 

We cannot save or redeem ourselves. We need grace. We need help. 

So serious is Jesus about this business of genuine discipleship, about what it really takes to follow God that he repeats himself using a colorful illustration: “it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.”  Jesus wants us, who have lots of stuff, bank accounts, and so money to see ourselves in the illustration. Only the discouraged, the hopeless, and the helpless will see their absolute need for grace and will seek the miracle of salvation Jesus offers. 

Peter, always the big mouthpiece for the disciples, blurts out that they have left everything to follow Jesus. So, what then will there be for us? What’s in it for me? We may avoid the idol of money only to find ourselves with the idol of pride. Twentieth-century theologian, Reinhold Niebuhr, once said that a person had to achieve a great deal of good to be able to commit the sin of pride. 

Yet, grace always has the last word. Jesus gives grace and assures us of reward even when we are stinkers by asking prideful questions.  John Calvin commented on the rewards mentioned by Jesus: “The promise of a hundredfold recompense does not seem to square with experience. Usually those who for the testimony of Christ are deprived of parents or children and other relatives, or their marriage partners, or have lost all their money, do not recover but struggle out their life in lonely and deserted exile and in poverty. But I reply that if anyone rightly assesses God’s grace by which he alleviates the miseries of His children he will confess that is to be preferred to all the riches of this world.” 

The first step in facing any harmful compulsion is to be honest about it – without telling our story in a way that makes us look surprisingly good so that others are pleased with us. Rather, it is about following Jesus. To follow Jesus, we must not be in denial.  Perhaps the best way to express our faith is to tell someone about our obsessions to work compulsively to feel better and pad our savings, that we are afraid to charitably give because we worry about the future, or that we love to buy things that you don’t really need to feel better. 

An honest awareness of our compulsions sometimes causes us to feel awful about ourselves. We might beat ourselves up for always screwing up, never saying “no” to others, or feeling unable to stop the anxiety. Grace abundantly overwhelms all addictions, shortcomings, and pride when it comes money or anything else.  God has unlimited patience with his people; he never tires of inviting us to follow him. 

God’s love and acceptance is not based on our victories or screw-ups, but on Christ’s forgiveness through the cross. 

Let the words of Jesus sink deep into your life so that you ooze the grace of God in your life. Camels cannot pass through the needle’s eye through dieting, positive thoughts of belief, or luck. It happens not because the camel can squeeze through the narrowness of the needle’s eye but because there is a wideness in God’s mercy. God’s grace will pull you through. Unlike the rich young man, once you hear and understand that piece of delightful news, you do not walk away sad but with boundless joy. 

God of wisdom, help me in the mess of my finances; in my fear of taking charge of the resources entrusted to my care; in my preference for ignorance  over honest acknowledgment of the ways I use and fail to use my wealth; in my anxiety over debt, and in all the pressures of my financial life.  Help me to take one step at a time toward honoring you through my use of money and honoring others from whom I buy and borrow.  Make me humble to seek counsel, grateful for my abundance, prudent with my limited means, and patient with myself as I seek to be a better steward of all you have given me. Amen.