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Being in deep debt feels like drowning. Not being in debt feels like breathing. And we don’t talk about these things because of the shame around debt and – in some cases – the shame around not being in debt when your friends are.

One of the reasons why the financial advisor Bernadette Joy is so effective in leading people out of debt is because she openly shares her own story about being $300,000 in debt and how she paid it off in three years. You can read about it here. She carried enormous shame about her debt but by sharing her story (and of course the happier ending) she gives others permission to share their own stories shame-free. Sort of a “we’re all in this together” mentality. It’s very supportive and I speak from personal experience.

There is nothing holy about poverty. And living in poverty and/or deep debt does a number on our ability to carry out our calling in life whether we are pastors, teachers, police officers, or McDonald’s workers. Pastors should be earning enough to live without worrying that the electricity will be turned off. And sometimes we Pastors are being paid enough (not a lot, but enough) but the debt we’ve brought with us makes it impossible to support ourselves.

Debt relief is a spiritual practice.

And yet, very few of our congregations offer debt relief classes or financial training. Many of us didn’t get this from our parents and if we find ourselves having made poor decisions about money, we are too ashamed to talk about it – especially in church.

Think about what it means to be too ashamed to talk about something with anybody in our church community. This is one reason why our congregations are failing.

Instead of being a community of sinners grappling with our own mistakes, embarrassments, shame, and brokenness, we have become a community of people who seem to have it all together. We don’t dare share during “the prayer concerns” that we have tens (or hundreds) of thousands of dollars in debt. And so it doesn’t get addressed and it impacts our souls.

Imagine being the kind of church that allows for people to share their deepest shame without fear of hearing about it in the parking lot next Sunday. Imagine congregations walking with people through their financial fears so that everyone can find freedom to build financial security. Financially secure followers of Jesus are able to financially encourage others and create vital ministries that addresses the world’s brokenness.

Here’s a start: get a small group of trusted people in your church to take a finance or debt reduction class together. And maybe just one class can help make a very uncomfortable topic a little more comfortable. Ideas for classes here and here (Skill Pop virtual classes are about $20 and Bernadette Joy sometimes teaches Crush Your Debt courses.)

I wrote this piece because I want every adult to conquer debt – in Jesus’ name. We can do a lot of good with the money currently going to credit card companies.

One of the True or False Church Addiction Test questions by Tom Bandy in Kicking Habits: Welcome Relief for Addicted Churches is this:

True or False: “Debt freedom always leads to church decline.”

It’s True – “Sound debt management is the key to thriving church development.”

I know congregations with no debt who are failing and I know congregations with debt who are thriving. Money is obviously a tool of ministry, but what is “good debt” and what levels of debt will kill a congregation?

I’m not a money person (i.e. English major) but I’m learning to love money issues. What happens to a church that receives a million dollars from a member’s will, especially when the membership doesn’t believe their financial contributions are needed anymore? Sometimes a large endowment = subsequent poor stewardship practices.

The point is not the money. The point is doing ministry. The point is the spiritual discipline of making a financial contribution based on our commitment to God’s Church whether they have millions in the bank or not.

Regarding churches with millions of dollars in the bank: what’s your plan? Millions of dollars can build transitional housing, build a shelter for abused women, or build a hospital in Haiti. Again: what’s your plan?

If our plan is to build up reserves “for a rainy day” please look out your windows right this minute..

It’s pouring rain out there. It’s literally raining on the heads of the homeless. It’s literally stormy for kids who’ve aged out of foster care. It’s brutally cold for those seeking a community of people who will love them unconditionally.

I’m not the person to comment on what percentage of debt is healthy and faithful. But I can tell you what thriving congregations are doing: they are not afraid of debt if they know that they have a mission that the congregation buys into. They do not fear debt when they’ve discerned that God is calling them to serve their neighbors in new way, even if that means razing and then rebuilding their church space. I find their faithfulness contagious to the point of knowing that God will make congregations successful when they understand who they are and why they exist.

Would love to hear your comments on your congregation’s debt. And tomorrow: Why Personal Debt Is a Spiritual Issue.

Our FBC was sharing the other day that – as a video guy – he is often asked to make a film fast and cheap, and also, it should be really good. FBC always says, “You can pick two.”

If a project is fast and cheap, it won’t be good.

If a project is good and cheap, it won’t be fast.

If a project is fast and good, it won’t be cheap.

This translates into ministry and mission as well. Can we all agree that:

• Followers of Jesus are called to make a positive difference in the world.
• There is a lot of work to do (i.e. the world is a hot mess.)

We in church often want fast: bake sale, car wash. Something we can throw together without much effort.

We also want cheap: Maybe Elder Dave’s brother can fix it. He wouldn’t charge much.

We also want good: Lives are changed.

In ministry as in film making, we can pick two:

• We can do fast and cheap ministry, but it won’t be good.
• We can do good and cheap ministry, but it won’t be fast.
• We can do fast and good ministry, but it won’t be cheap.

Whether we are talking about feeding the hungry, building affordable housing, bringing equity to our justice systems, or changing our congregation’s culture from one that serves ourselves to one that serves our neighbors, we need to either take the time needed, spend the money needed, and/or put in the effort needed. And prayer is always a good idea.

What kind of church are we willing to be? Are we simply going through the motions?

Where is God leading us? And do we want fast, cheap, or good? We can pick two. The non-negotiable additional pick: faithful.

I read a lot of Personal Information Forms (also called resumes) for pastors seeking new positions and what’s impressive to some people is not necessarily impressive to people who read these things for a living.  For example PNCs are sometimes impressed by the following:

• The list of Doctor of Divinity degrees from one or more institutions of higher learning listed under Formal Education.
• Photos of the candidate shaking hands with a famous person or teaching a class by the Sea of Galilee or preaching from a tall steeple church pulpit.
• A list of community honors from Father of the Year to Rotarian of the Year to Bank Employee of the Year (from those pre-seminary days.)
• References which include the names of Senators, CEOs, and Nobel Prize winners. Maybe they were members of the candidate’s previous churches – or they went to college together or they were Rotarians together back in the 90s.*
• Under hobbies and other interests, the candidate has noted that he’s climbed the Alps, written a couple novels, and solved ecclesiastical version of the Mid-East Crisis.

So, here’s my translation of the such an impressive resume:

• Doctor of Divinity degrees are usually given honorarily if the pastor spoke at a graduation service or served a congregation that donated money to that institution of higher learning. Former Moderators of the General Assembly have several of these by virtue of preaching at Presbyterian colleges and seminaries during our terms. We didn’t earn them. They are a kind gesture.
• Send a small head shot if you wish, but we don’t need to see that you met President Reagan once. Preaching by the Sea of Galilee might give somebody the impression that you are just like Jesus.
• Community Honors are lovely and it’s also true that you might have received honors – again – for speaking at an event or giving a chunk of money away.
• References should be people who can speak to your work. They’ve heard you preach, teach, administer, lead, and relate to people in an effective way. We don’t care if they used to run AT&T. [*Note: when I was in college and trying to get a waitress job at Hilton Head, I put Dean Smith down for a reference. He knew nothing of my hospitality skills but I was friends with his kids. I did help him with a load of laundry once. “She’s really good with Clorox.” And I thought his name could help me get a job. This was an obnoxious idea.]
• If you have a long list of extracurricular activities, I might wonder if you ever spend time with your family – or your own congregation.

Some pastoral candidates are good writers but they are less effective in person.  Others might be charismatic but they are slackers. And still others might seem awkward in interviews, but they are The Real Thing and they’ve been seeking a new call for so long now that they are really nervous.  (The guys who play golf with the mayor got all those other positions.)

There are some amazing pastors out there who are not considered “impressive” because they are too young or too old, too brown or too Asian, too female, too queer, too bald, too “community college” or too inexperienced.  The truth is that they might also be extraordinarily impressive in the way they envision what your congregation could be if you are authentically interested in 1) being the Church and 2) changing the world for good in the name of Jesus Christ.

Ask good questions.  Look for a spark.  Enjoy the process.  And please, please, please ask God to reveal the unexpected gems who are called to be your next Pastor.

It’s embarrassing every time I’ve replayed conversations in my head when I said things out loud with the intention of making myself look smart/woke/anti-racist. People of Color must lose their minds when they observe White People saying things like:

• “We’ve decided to send our (white) child to an inner city school.”
• “My book group only reads books by Authors of Color.”
• “We hired a new lawyer and he’s a smart Korean man.”
• “Our 250 year old church spent the last year doing research on who’s buried in our slave cemetery.”

Congratulations everybody. But that can’t be the end of the story.

What is your family learning about being part of a school community full of people who don’t live in your comfortable neighborhood? How is your perspective changing by being exposed to Authors of Color? Is your new lawyer a trophy or are you treating him as your legal mentor? And now that you know that there are slave graves on your church property, what are you going to do about it?

Can we talk about repentance? Yes, it’s a churchy word that most people know from signs like this one.

The real meaning of the word “repent” involves stopping and turning in a new direction. “I was once in a group of friends who used coke on weekends and now I stopped that practice and I’ve turned to weekends on hiking trails instead.” It’s not enough to stop a certain way of acting or thinking. We need to take steps in a completely different direction in order to progress into a new way of life.

My theological tradition is big on confession. We believe in confessing our personal sins. (“Ugh, I’m so sorry I lost my temper at work. God, help me stop doing that.“) And we believe in confession the corporate sins of the world. (“Ugh God, this world is on fire. Forgive me for failing to put out the fires I have the power to extinguish.”)

My parents never enslaved anyone. Neither did my grandparents or great grandparents. I never forced Native People off my land, nor have I taken somebody’s property just because I had the power to take it. And yet . . .

I am called to confess the sin of White Privilege and White Supremacy which has enhanced my life by virtue of my skin color while making the lives of Brown and Black people more difficult. Yay if we have read Resmaa Menakem or Ibram Kendi but if all we do is read a couple books, and nothing changes about how we are living our lives – who cares?

I love it when dominant cultures acknowledge the past suffering of those with less power. It’s like admitting that – Yes – this happened in our church, in our county, in our nation’s history. But acknowledgement is just the beginning.

We have some corporate confessing to do.

We have some repentance (stopping and changing directions) to do.

We have some repair work to do.

Churches: thank you for remembering that your campus was built on the land of Native Americans. Thank you for remembering that there are enslaved people buried in your cemetery. Thank you for remembering that your church overcharged the immigrants who came to town to pick tomatoes all those summers ago. We are not finished yet in terms of our response, and it’s not too late.

I’d like to write something about this, but I have no idea what to say. Some relationships look perfect-ish. Some appear to be difficult. But we just don’t know, do we?

As I’ve sometimes said in wedding homilies, it’s an underrated miracle when two people fall in love with each other at approximately the same time and craft a life together that’s happy and satisfying for a lifetime. I pray today for those who have never experienced that miracle and those for whom their plans didn’t turn out the way they expected. For the broken hearted and the estranged, for the disappointed and the hopeful, we pray to the LORD.

Portrait of Melinda and Bill Gates by Jon R. Friedman in the National Portrait Gallery, Washington, DC (2018)

She was between 20 and 30 years old and she died in approximately 1 BCE. For many years archaeologists not only assumed she was male; they thought she was a male priest considering the markings on her sarcophagus. She was between five and six months pregnant and her burial accessories included “a rich set of amulets.” And although she was Egyptian, she now resides in Poland. You can read about her here.

Turns out she was placed in a sarcophagus which was not her own. This happens 10% of the time says Archaeologist Wojciech Ejsmond. Interesting. (But that’s for another post.)

We in the Institutional Church ofter refer to the Church being dead or dormant somewhat like a mummy.

• We are God’s Frozen People.
• Carey Niewhof has identified “7 Subtle Signs” of impending church death here.
• Revelation 3:1-6 (The truth about dying churches goes way back.)

And during this Eastertide, we might remember that Jesus himself was embalmed by those who loved him. But he was apparently never a mummy because . . . Resurrection. (Again, the conversation about bodily resurrection is for another post.)

So, here’s my point:

Some of our congregations are in the process of preparing for death because of what Carey Niewholf talks about:

• No passion from leaders.
• No innovation.
• Management over leadership.
• Maintenance over mission.
• Fixation on being “my church.”
• No permission-giving to young leaders.
• Weak relationship with God.

Some congregations have unwittingly embalmed themselves with relics and they don’t even know it. I know congregations with more money in their cemetery fund than their mission fund.

Some congregations have died even though there was new life there than never had a chance. Cue the wise and wonderful MaryAnn McKibben Dana : “The Church is not dying. It’s pregnant.”

The kindom of heaven shall be like a fertile royal who gives birth again and again to a new generation of the faithful. Truly I tell you, even the embalmed will reveal new life.

Image source.

When people don’t stay in their lane, crashes happen and sometimes those crashes stop all movement forward.

One of my coaches taught me that Clear Roles make all the difference in healthy organizations. As I work with congregations, I see this is true.

Not healthy:

• Church Treasurers who believe it’s their role to determine if the pastor deserves to be paid that week.
• Clerks of Session (in Presbyterian lingo this is the keeper of board meeting minutes, etc.) who believe they have the authority to veto the Pastor or make plans without the Pastor.
• Pastors who believe it’s their role to decree what the congregation believes.
• Parishioners who believe it’s their role to keep Pastors in their places.

I appreciate my colleagues in that we are constantly checking in with each other about boundaries. Am I in your lane? Is this something I should be doing or is that on your plate? Is this project something you have time to do, or would you like us to hold off until summer? Do we need to change your position description to add that responsibility?

The worst is when the Christian Education Committee is doing the work of the Mission Committee who is stepping on the toes of the Worship Committee who interferes with the Flower Committee who doesn’t care that the Pastor won’t allow flowers on the communion table.

In a healthy church, colleagues can talk with each other about who does what and it’s not about power; it’s about good boundaries and effective ministry in the name of Jesus.

Just a little reminder for a Thursday afternoon.

“As I have defined it, love is the antithesis of laziness. Ordinary laziness is a passive failure to love.” M. Scott Peck

• There’s the congregation that would rather settle for a low-energy, ineffective pastor rather than go through the process of calling a new leader.

• There’s the Pastor Search Committee that would rather pick the organist’s cousin George who is “available right now” to be their Pastor rather than go through the process of finding a really good match for who they are and what they need for this moment in time.

• There’s the Nominating Committee who picks the same people for the same roles over and over again whether those people are still the right ones for that position or not because it’s too much effort to discern who else might be called to serve who’s never served before.

• There’s the Pastor who knows the congregation needs to re-boot and re-think their purpose, but he’s close to retirement and doesn’t want to stir the pot for his last years in professional ministry.

• There’s the Personnel Committee who knows that they need a different kind of youth leader who knows how to make LGBTQ kids in the neighborhood feel welcomed, but they dread the pushback from the congregation, so they go for the “safe” candidate.

Long, long ago in a culture far, far away long – before Brene and Nadia, long before Oprah was Oprah – “everybody” read a book by M. Scott Peck called The Road Less Traveled: A New Psychology of Love, Traditional Values, and Spiritual Growth. It’s worth checking that book out again.

Dr. Scott Peck pitched that our most common sin was laziness. Humans are simply lazy. We are too lazy to care about our neighbors, too lazy to do the work that will make the future better, too lazy to be who we were created to be. We just don’t want to make the effort.

I see this every day in The Church. [Note: I also witness great acts of service, breathtaking moments of generosity, and impressive feats of grappling with hard situations.] And I see lots of laziness.

Everybody’s tired. Yes.

And everybody wishes things could be different but we don’t want to do the work.

Signs of heaven:

1. A Pastor Nominating Committee wrestles with who they are now and what their church and community need now and they not only do the work to call the right pastor; they are also willing to back up their/God’s choice when other folks complain that the new pastor is too young/old/white/black/female/queer. The truth is perhaps that the naysayers don’t even want to take the time to consider why this new pastor – who doesn’t look like what they expected – is clearly the person God chose.
2. A Church strives to include voices not usually heard when discerning the next chapter of their contributions to the neighborhood.
3. The Big White-Steepled Church on the Hill that’s doing just fine in terms of their mission goals and finances chooses to risk conflict by confronting their uncomfortable past which includes founders who were slaveholders and former pastors who were segregationists.
4. The Church struggling to thrive in this culture makes the courageous choice to do what’s best for the community (rather than what feels safest for themselves) and allow their church property to become something new to serve the neighbors.

You’ve already read my Signs of Laziness.

Fortunately, I see more Signs of Heaven than Signs of Laziness – but there are too many signs of laziness out there and what The Lazy among us don’t realize is that lazy choices kill congregations.

Lazy choices kill congregations.

The easy way out. The easy hire. Don’t do it. Show me one time God ever took the easy way.

Love is the antithesis of laziness. Love does the work because it’s not about us. It’s about figuring out what God might want to do with us and our community to fulfill the best and highest Plan for this world.

I stayed up late last night to watch The Academy Awards mostly because it was fun watching people get dressed up and sit face to face fully vaccinated at a party. Frankly, some of the choices were not my favorites (Chadwick Boseman and Viola Davis were robbed) but comparing the different roles of – say – the five Best Actor nominees is like comparing apple and oranges and grapes and pears and pomegranates. All delicious but so different.

I was thinking about some of the stellar performances of my colleagues in ministry which involve drama, comedy, animation, and editing – not to mention best sound tracks and costume design. For example:

Best Directing goes to those pastoral leaders who lovingly move their congregations from a Constantinian model of ministry to an Entrepreneurial/Disciple-making model of ministry.

Best Performance in a Drama goes to the elders and deacons who keep ministry vibrant after a congregational trauma (e.g. the pastor is struggling with terminal health issues . . . or runs off with a liturgical dancer.)

Best Soundtrack goes to the music leaders who create a Christmas Pageant using lyrics from Hamilton (First Presbyterian in Brooklyn did this a couple years ago and it was amazing) or the youth leaders who write a play about Amos re-working lyrics by H.E.R.

I witness extraordinary performances by the priesthood of all believers every day. And then it occurs to me that these are not “performances” at all. They are authentic acts of service and love.

I’ve known professional ministers and other leaders of faith who were acting the part. God help us.

There are the pastors who preach one thing and do another. (The #ChurchToo movement has stories that rival anything Emerald Fennell could create.) There are elders who perform acts of respectability but privately they are gaslighters and bullies. There are teenagers who pretend to be pious for their parents but they are hiding secret lives. And there are church members who threaten to “stop giving” to the church if they don’t get their way, only to find out that they don’t make any financial contribution. These are performances.

True ministry is about God and living an authentic life that shows what God’s love looks like. True ministry happens when pastors offer selfless pastoral care to the families who slander them behind their backs. True ministry happens when the church nursery workers are as respected as the Senior Pastor. True ministry happens when people are spared shame. True ministry happens when “people who don’t deserve it” are blessed with a safety net.

True ministry is not about performance. It’s about spiritual leadership in a broken world. As much as I like watching actors act, those performances are a distraction. The stories in our actual lives are just as rich and disturbing and funny and colorful. And every day we are given the opportunity to dwell in those stories in a way that makes the world the way it was created to be. It can be real. Or it can be a performance.

It’s so much better when it’s real.