3-7-10 Finances – Margin
Last week we looked at a passage where the Apostle Paul wrote a letter to Timothy a new pastor and Paul said to Timothy, “Command all those who are rich in this present world . . .” (1 Timothy 7:17) and we camped out on the idea that rich is a moving target.
We said that you’ve never open a paycheck at 3:00 on Friday afternoon and have it say, “You’re rich!” That will never happen, because rich is a moving target. And so people who are rich never know that they are rich, so they keep trying to get rich, and never get good at being rich.
We said that a poll was taken to determine what rich was and people who made less than $30,000 said that if they made $74,000 a year or more, then they would be rich, but if you asked people who made $74,000 a year or more they would tell you that they are not rich. People who made $50,000-$75,000 a year said that if they could make $200,000 a year that they would be rich, but the pollster asked people who made $200,000 a year if they considered themselves rich and they said “No”, and then they pointed at people who made $500,000 and said “They’re rich!” And on it went. Rich, they determined, was a moving target.
So, we said that if being rich is a moving target and people never really consider themselves rich, then they would never learn how to honor God with their wealth. Lastly, we said that if you make $37,000 or more then you are in the top 4 percent of all wage earners in the world and if you make $45,000 or more that you are in the top 1 percent of all wage earners in the world. We said last week that many of us in this room are rich because we are in the top wage earners in the world, but here’s the deal. We don’t feel rich, and since we don’t feel rich, we don’t think that we’re rich, so we keep trying to get rich and never begin to act rich.
Here’s the question we left you with last week. If you make $37,000 a year or more, you are rich. I am rich. But here’s the question, “Why don’t we feel rich?” Why don’t you feel rich?
I mean, how many of you would say that you occasionally or maybe even often have financial stress in your lives? Would you raise your hands if that’s true for you? I want you to look around and see how normal this is. This is what the world calls normal. In our culture, financial stress is completely normal. Living paycheck to paycheck in our culture is completely normal. Having monthly payments normal – debt normal, worry, anxiety, fear around money – especially in a slowed economy is normal. Having financial fights if you’re married, is very, very normal in our culture.
Sadly, in our culture, having little or no margin is normal. The reason I don’t like normal finances in America is because normal is not working. Normal doesn’t give us that (Vision Banner: Heaven on Earth).
Financial margin is the amount available beyond what is necessary. Margin is the amount available beyond what is necessary. Financial margin is a simple math problem. It’s the difference between what we have versus what we need. So let’s put it into real numbers. If I make $500 a week and my bills are $400, then I have $100 margin for that week. If you earn $3000 a month and you spend $3000 a month, then you have how much margin? Zero, Zip, Natta!
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