Peter was known as a bit of a lad in the office where I used to work. But one day, his world was turned upside-down. His girlfriend became a Christian. She joined a local evangelical church, and invited him to the Sunday night youth group.
Knowing I was a Christian, he talked to me about the experience on the Monday morning.
“I just don’t get it,” he said. “I thought you Christians were not supposed to be worried about wealth and possessions. But we went to the home of the old boy who ran the group, and he kept going on and on about how much he loved his expensive new three-piece suite. How do you square that with Christianity?”
You can’t, can you?
Peter had a point. And maybe behind it for me is a thought that we as Christians have more of a problem with wealth and materialism than we like to admit.
And so in a week when our time in Ecclesiastes brings us to this trenchant passage about money, I think we need to consider the subject. Is it possible that we are not as distinctive from the world as we might be? Is it even possible that rather than hearing the biblical admonition not to love the world, we are more like spiritual chameleons, adopting the local colour with ease?
Make no mistake: we cannot dismiss this as just some stereotyping of Surrey residents. The statistics support it. Measured by property prices, we live in the wealthiest county in the UK. We have the second highest ratio of multimillionaires, beaten only by the concentration of Premier League footballers in Greater Manchester. I can assure you that my children have noticed it. They ask me why their school friends have multiple foreign holidays every year, while we always stay in the UK. I’m not complaining about being on a stipend, which technically is a living allowance and not a salary – I knew what I was letting myself in for. (Although I confess I’m touched when Mark observes that ministers do one of the most important jobs in the world, so they should be highly paid!) I just want you to know how obvious it is.
And if we do merge in with the local background, then consider this: I think I have told you before that in my first few weeks here, one of my colleagues raised this question: ‘Is the Gospel against Surrey?’ Does the Gospel stand against the values espoused by so many people in this wealthy county?
I would have thought it does. I am aware that there are a number of people in our congregation on very limited, fixed incomes, and if that is you, I promise you I do not have you in mind. I also know that there are people here on considerable incomes, who are also generous. I am privy to some wonderful stories of generosity in this congregation. But generally it is always a danger for Christians that we accommodate to the culture. Partly that may be out of a desire to be accepted, but it is also partly because we find that culture attractive anyway.
So do we need to hear the force of the Preacher’s words in this passage, that wealth is meaningless? Hear chapter 5, verse 10 again:
Whoever loves money never has enough;
whoever loves wealth is never satisfied with their income.
This too is meaningless.
One of the extremely rich members of a past generation – and I confess I can’t remember whether this was Rothschild or Rockefeller – was once asked, ‘How much money is enough?’ He replied, ‘Always just a little bit more than you already have.’
Furthermore, increased wealth is to some extent an inbuilt factor in Christian conversion. John Wesley noticed the phenomenon called ‘redemption and lift’. Finding Christ led to a reduced spending on bad habits, making for more disposable income. Not only that, imbibing Christian values of hard work led people to earn more money. Put these effects together and conversion helped people financially. Indeed, as Wesley’s own fame increased and he sold more books and pamphlets, he noticed that his own annual income rose from £30 (remember we’re talking about the eighteenth century!) to £120. However, he calculated that throughout those years he only needed £28 on which to live, and therefore he gave away any income he had over that amount.
I shall come a little later to some of the thoughts about how we might handle the financial blessings many of us have, but that was Wesley’s approach.
All around us we find the trappings and the temptations of wealth. I am fast thinking that there is a local catchphrase. I have heard it so often in this village: ‘You should go private.’ Whether we’re talking healthcare or education, there seems to be a local assumption for many: you should go private. More than one person who knows we have a very bright son has told us we should send him to the Royal Grammar School at Guildford. If we’re lucky, they have a second thought along the lines of ‘Oh, I suppose you can’t afford that.’ There can be occasions when there is no alternative but to take the private route, but around Knaphill I find many people who treat that option as an easy default.
All this happens in a world where at Addlestone we host one of the three hundred food banks in this country, where our denomination has contributed to the ecumenical report by the Joint Public Issues Team called ‘Truth and Lies about Poverty’, which forcefully exposes the demonisation of the poor in our society. In the USA, a film has just been released called ‘A Place at the Table’, which documents the fact that 49 million people in that nation including one in four children – don’t know where their next meal is coming from. How appropriate is it for us to drink in Surrey values, especially in the light of this, let alone what is happening elsewhere in the world?
Some people deal with this by downsizing and simplifying their lives. A dear friend of mine quit as a director of his company, and he and his wife moved to a hamlet in the West Country, where they got involved in the local community in various ways. However, that approach isn’t possible for everybody. For some Christians to do that would involve denying the position of responsibility they have been given at work, and their sense of calling to it.
How, then, might Christians respond and live distinctively within a culture that ignores God and worships Mammon instead? I would commend a passage such as 1 Timothy 6 as a great antidote to the perils of caving in to our culture. In the face of people who have wandered from the faith into deep distress due to their love of money (verse 10) he urges ‘godliness with contentment’ (verse 6). He then commands the rich to be generous, while at the same time remembering that God provides us with everything for our enjoyment (verse 17).
So what kind of Christian lifestyle might we pursue if we were content with the basics God gives us? It will look different for each of us – there is no uniform response – so if you are looking for a very simple ‘We should all just tithe’ sermon, I’m sorry. But let me offer the following thoughts.
I said earlier that I am paid a stipend, not a salary, and that the key difference is this: theoretically, a salary is ‘the rate for the job’ (or, perhaps, simply the result of a power struggle in bargaining between employer and employees). A stipend is a living allowance. It is meant to be enough so as not to be in want, and to free me to concentrate on my calling without the need to spend a lot of time elsewhere, supplementing my income. Now while that is a rather idealistic description and the reality can be somewhat harder, let me ask this: what if we as Christians prayerfully determined what would be a reasonable level of income for ourselves (including savings) and gave money away that would otherwise take us above that standard of living?
You could say I am suggesting something that is a variation on Wesley’s approach. You’ll remember I said that he continued to live on £28 a year, whether his income was £30 or £120. His motto was ‘Earn all you can, save all you can, give all you can.’ Is that an approach that commends itself to us?
I said also this wouldn’t be a simple ‘We should all tithe’ response, but tithing needs a mention. The tithes of the Old Testament were rather more complicated than some people like to make out, and the simplified version that is often preached – ‘Give ten per cent of your income to the church’ – doesn’t do that justice and also puts a disproportionate burden on the poor and lets the rich off lightly. However, back in the late 1970s, the American Christian social activist Ronald Sider suggested a variation that tried to address this problem. He called for Christians to adopt the principle of what he called the ‘graduated tithe’. People started out at a base level of giving a certain percentage of their income – say, the ten per cent. However, as their income increased, not only would their giving increase pro rata, they would also increase the percentage of their income that they gave away to the church and to the poor. Alongside that, he proposed other lifestyle decisions, like only buying a new suit no more frequently than every three years. If you want to read more about his ideas, pick up his book ‘Rich Christians in an Age of Hunger.’
Let me commend another practice to you. I believe this won’t be entirely new to some of you. I call it the ‘Bob and Kay Fund.’ Bob and Kay were a couple – both now sadly deceased – who were great friends with my parents. Bob had been an executive in the advertising industry but quit that to be the publicity and appeals director of the Shaftesbury Society. I know of at least one occasion when Bob and Kay were generous to my parents in difficult times. When pressed about it, they said they kept a special fund into which they put money, in additional to their regular giving to their church. They then used that sporadically to meet specific needs they came across. Is that something you could do, perhaps administering it out of a separate bank account?
What about our homes? I have heard it said that many people in this area are ‘asset rich but cash poor.’ Hospitality is one of the sadly unsung spiritual gifts in Scripture. Are there ways in which you could be more hospitable, and not just to your close friends?
Whatever giving you do, I recommend this question: am I doing this as a sign of my desire to build for the kingdom of God, and to play an active part in the kingdom community, that is, the church? Or am I just putting something in that I regard in a similar way to the subs I pay to the golf club, the tennis club or the fitness centre?
A final story: Martin Smith was the lead vocalist of the Christian rock band Delirious? Even if you don’t follow Christian rock, you may well know some of their songs, such as ‘I Could Sing of Your Love Forever.’ They sold huge numbers of CDs – at least, by the standards of the religious scene. Also gaining royalties as the main songwriter, Smith earned a very comfortable living. The band toured the world and occasionally made the pop charts.
It was on a visit to India, though, that Smith had his heart broken by meeting a young girl through an outreach to prostitutes and their children. He realised that these girls witnessed things they should never see, and would almost certainly soon end up in prostitution themselves. As a father himself, this distressed him hugely. He and the band set out to support Christian outreaches to them and their mothers.
But at a later date, he realised that he needed to build his own recording studio. He then had an attack of conscience. Could he really do this when the need in India was so great? The money he planned to spend on the studio would fund ten workers with the Indian poor. What should he do?
He built the recording studio. It was central to his calling to make music to promote Jesus Christ, and therefore he concluded it wasn’t greedy to do so. Hence that’s my last point: in the use of your wealth, consider God’s calling on your life.
How, then, will you and I determine to use our resources in a way that makes our wealth meaningful rather than meaningless?
 Martin Smith, Delirious: My Journey with the Band, a Growing Family, and an Army of Historymakers, p 189.