Jesus and Economics, Part 2

If you faithfully read your Bible you're well acquainted with Jesus teaching during his earthly ministry. Did you ever wonder why he chose certain examples and parables could be and should be economics to better understand Jesus teaching you have to know the circumstances in which smoke today host Rob West welcomes economist Jerry Boyer for another trip back in time to first century Israel miniature calls later on anything at 800-525-7000 800-525-7000 times more Jesus and economics part two right here.

The wise economist advised financial and that he's always up to speed on today's economy, but they may not realize is also an expert on the economy of ancient Israel. Wow, that's right, Stephen, you will discover it quickly when you read just a few pages, even of his new book, the maker versus the takers what Jesus really said about social justice and economics. Jerry welcome back to the program.

Always a pleasure. Thanks for having me back dear, we just scratch the surface yesterday, but we did talk about how understanding the economics of ancient Israel really makes Jesus teaching come alive, perhaps in a whole new way, including the role even geography played which we unpacked yesterday and today I want to continue that discussion and to get a clear understanding of Jesus teaching about wealth. Let's start with the economic system of Jerusalem which you call the hours of Windows houses why that title yeah, and I'm getting out from the master. You know that's what that's what he said so why would they seem that way. Well, we know archaeologically and now we go back and read me to some, the original historical sources at the time. Josephus, for example, who was a historian just like one generation after Jesus, we understand that the temple which was supposed to be the center of liberation had become the center of economic exploitation and also religious and theological exploitation. Again, those aren't opposed to one another, they lose those things go together. If I can convince you of works righteousness and that you have to come to get the God you have to come through me first. It's not to be too long before I figure out that I can get your credit card number and exploit them financially and that's what had happened with the temple. They were aligned closely with the power state of Herod, they were coercively taxing people overtaxing people.

They were deeply involved in a swindle that involved a way of getting around the that the debt forgiveness law. The temple had become a bank really literally a bank 1.2 billion.

They deposited there from the wealthy elite kind of a crooked bank that was involved with this scam so it really was the center of exploitation and it really did offend Jesus and we look at know Jesus's life we don't generally see Jesus kind of losing his temper right he's generally at home and peaceful person. When does he lose his temper when does it zeal for thy house have consumed me.

It's when he confronts the economically exploitation of system at the temple of the moneychangers economically exploitation of how because when you took your money to the temple to pay your temple tax, or do your offering, you had to exchange the money for the holy money of the temple except the holy money of the temple, the parity, the exchange rate was crooked you had to give $100 to get 50 out in your exchanger was a 100% upsell complete ripoff of the people and that's why he called it a den of robbers and if we miss that like if we read when Jesus you know said to the Peter go get a coin and we don't look and say that's a starter to pay the temple tax and then look at how that translates. We miss the fact that the entire system was built on an eight you had to go to the ATM and the ATM didn't charge you five bucks a charged 100% extra in order to make the exchange so that you don't get that part of the story that that basic economic background, you're not can understand what Jesus was so offended by the temple and by the moneychangers. Fascinating will Jerry we have a lot more to cover today when we come back we're going to begin to look a bit more and even how the location but also the audience.

Differences help to illuminate what Jesus was communicating will even explore the rich young ruler, which is often misinterpreted in your view in terms of Jesus confrontation and even Judas the story of Judas being really an economic one.

That's all coming up right around the Jerry Boyer with us today, Jesus economics, even geography and the theology of a small, listening to moneywise live he's Rob West times more Jerry here are just back and take some calls later in the program. 800-525-7000 money and life run on the same track.

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Jesus is the way the truth and the life.

And if that is robbing you of freedom and peace of mind. Christian credit counselors can help where a nationwide nonprofit counseling organization has helped over 300,000 individuals in the last 27 years get out of credit card debt 80% faster while honoring that that info to learn how Christian credit counselors can help you visit Christian credit counselors.org Christian credit counselors not or call 800-557-1985 to moneywise live your hostess, Rob was more Jerry Boyers. I guess Jerry's new book is the maker versus the takers Jesus really said about social justice and economics. Jerry, as we've said, the location has an impact on understanding what Jesus was communicating around economics but also the audience you write that the sermon on the Mount, and the lesser quoted sermon on the plane are often confused is the same event, but that they were actually different messages for different audiences explain that for us. Yeah. Well first of all, one's on a mountain ones on a plane right and so some scholars have tended to say all obviously Matthew's gospel conflicts with Luke's gospel because one has Jesus giving the sermon on the mountain and the other has him given the sermon on the plane course, the far more common sense answer is that there different sermons rather than go immediately to the word of God contradicts itself. Another reasonably the different sermons is the audiences that are listed are different when were talking about the sermon on the Mount, the geographical signs are very Galilean, very north the Syrians to accomplish etc. but were specifically told the sermon on the plane is Judeans and those from Tyre and Sidon were basically the Judean ruling classes a central bankers so that was the financial and political elite. The sermons are different. The sermon on the plane given to the ruling class is much harder on wealth.

Blessed are the poor rather than blessed are the poor in spirit, and even more pointedly, he says woe unto you who are rich. He doesn't say woe unto you who are rich when he's giving the sermon on the mount which is a more northern and more general audience. In fact, at that point in the sermon.

If you like lineup.

The two sermons would next to one another.

At that point.

He says ye are the salt of the earth, so there's the ye are the salt of the earth to one audience and there's woe unto you who are rich to another audience. These are not contradictory. Jesus is.

This is a Jesus was smarter than the scholars were trying to find contradictions. Who knows the different audiences and knows their different economic circumstances and as pointedly as the prophets have always done pointedly addressing social injustice by which people who are politically connected were extracting wealth by force and manipulation from the poor and middle-class fascinating. Jerry really does bring alive what he's communicating and I think helps to dispel some of the concerns people often have about the words of Jesus as we think about them in relation to wealth in economics and how were to handle God's money. Let's go to the rich young ruler. This is a confrontation that Jesus has that you say is often misinterpreted. How so well one of the reasons it's misinterpreted. One of the ways it's misinterpreted is that people tend to leave out that he's a ruler that's not an extraneous detail was talking to someone on a podcast recently and he said you know is hard to see her to sermon once where someone said this man's kind like Bill Gates of Microsoft is really rich in these young no no I'm sorry that's not the parallel tea is in our cone senator and city Council member Sanhedrin member. He's politically connected. They didn't have rich young entrepreneurs in first century Judea. That's not the way the economy work. They didn't have to tack they didn't have that kind of dynamism. If you were wealthy and rich and a Sanhedrin member you inherited daddy's Senate seat and your money was gotten through exploitation, which I think is precisely the reason that when he is asked when Jesus is asked about the commandments, Jesus recites you know the 10 commitments. Not all of them.

The second table of the law, but he adds a commandment do not defraud.

He says don't commit adultery. Don't murder. Don't steal. Don't bear false witness any ads do not defraud.

Why does he add do not defraud.

It looks like a mistake. In fact, early copyist started to take that out because obviously doesn't belong there. Jesus knew what he was doing. It belongs there. He added the fraud to the commandments, precisely because the guy he was talking to was a defraud or that's part of that class. How do we know that the first all we know it historically from from seeing historical documents, but Jesus's brother James when he writes a letter in which he decries the Jerusalem ruling class for ripping off the poor. He uses exactly the same Greek word for defraud. It was part of the nature of that class to be defraud others.

So if we then go on and read the rest of that as though it's a general attack on wealth as opposed to something that's focused on a social ill and were missing a big part of the message so keep the jury want to move quickly to one more story before were out of time today. It's the story of Judas and you say this is largely an economic one. Explain that to us.

While this is a geography thing again. Jesus recruits. Almost all of his disciples from Galilee. There's only one disciple.

One of the 12 that we have reason to believe was not from Galilee was in fact the Judean who Judas-ish Cheruiyot-ish man carry out a Judean city just based on his name and his father's name.

There's good reason to believe he was a Judean, probably the only Judean because later on after he's out of the 12, the Angels address Jesus followers and say men of Galilee, so we have that Galilee, Judea thing going on, but there's something deeper.

He was the keeper of the common person for the poor. What had happened before Jesus's time is that the temple under the Torah, the poor tide was Locally you keep it and share it in the city gates.

The Temple said no, no, no, we want all of the tide were to take all the time bring it into a common person and then take care of the poor. From there, Judas stole from that common person you know what Judean temple elite also stole from that common person he is in one man. The story of the Judean elite centralized power centralize well do it in the name of the poor, but not actually give it to the poor. When you beat your own peak instead. While Jerry were about out of time.

Here's what I'd like to finish with today. Take all of this research you did that. I think further illuminates what Jesus was trying to teach related to money and possessions helping us understand how we should view God's wealth that we are stewards over and apply it to us today. What have you taken a way that was new. As a result of your research. What I take in a way that's new is although anybody can be greedy and anybody can be an idolater of wealth. Most Christians are marketplace people not professional clergy or politicians, people have used these statements from Jesus to make you feel guilty for being economically productive and being in the marketplace and they are reversing the order. Yes, anybody can be greedy, but people who are in the marketplace should not consider their wealth. Guilty until proven innocent, whereas politicians and people were part of church hierarchies while they are not subject to greed were all subject to it and I think the entrepreneurial or marketplace participating soul.

This is an affirmation. Jesus gets you because he was like you and he hung around with people like you and you should not feel guilty at all for being a marketplace person. You should feel affirmed, but that doesn't in any way cause us to not look deeply at our hearts, and whether the resources we have are competing with our devotion for the Lord. Clearly anybody can be a money idolater. But it's interesting that it is specifically the leaders that Jesus said were lovers of money, so everyone should examine their heart, but people who are leaders maybe should stop using these verses as weapons against people who are entrepreneurs and understand that it applies to all of us will Jerry so thankful for you. This is been fabulous were going to have to have you back to do some more on this, but thanks for joining us Alaska.

Jerry Boyer's been with us for the last couple of days and boy have we learned a lot. The title of his brand-new book, the maker versus the takers is available at Amazon.

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800-525-7000. Here's a question that came in. Rob over the last few minutes. My daughter wants to know how much she should be saving while she is still paying off student loans living at home $38,000 in student student loans paying to pay them off in two years she's making 47,000 as a first year teacher, that's good. How much does she need to set aside for savings over the next couple of years to be ready to live on her own and again the student loan amount is 38,000. Well what's impressive about what you just read their Steve is that she's got 38,000 in student loans and she's planning to have that paid off in two years making 47,000 year so obviously she is living perhaps at home but keeping her lifestyle at a minimum, taking the majority of what she's bringing in and using it to pay off debt, that's great. I would just want to make sure that she has an emergency fund so she needs probably three months expenses and so I would perhaps back slightly off of the payback of the student loans just until she gets that emergency fund in place. The other things you want to do is make sure that if she is living at home and she's perhaps going to go out and get an apartment that she's knows what she needs to turn on the utilities in first and last and security and probably have a separate savings account for that amount. But apart from that man. She is on the right track really focused on getting this debt paid off, and imagine. Once that's gone she'll have that sense of accomplishment shall have no debt underneath her and she can really start to then think about. Perhaps increasing or giving saving for a down payment on a home someday even starting the company-sponsored retirement plan, but I like what I'm hearing. Okay, why worry about having three or six months in an emergency fund when she's actually paying interest on the student loan. Yeah, you know, I think the key there is to establish the right disciplines so if you've got that emergency fund. What that does is it says I recognize that the unexpected will come. Now I don't mean the unexpected that we should expect right. We should expect the tires are to eventually be need to be replaced in the car and breaks up. Talk about the things that come out of left field. You know, it would be a transmission going out Torah deductible for a hospital stay, that we didn't plan on that was $1000 or something like that. Those things come week that can't necessarily plan for them. So we have an emergency fund there and what that does the visit make sure that if a major expense comes that's unexpected she's not running to a credit card to borrow that money and it says right up front that I'm in a have margin that I can count on and I'm not going to live on debt I'm in a live on my own resources, and if I use a credit card it's because it's for a budgeted item and it's good to get paid off at the end of the month okay well said all right again.

Her phone number if you'd like to chat today with Rob West call right now 800-525-7000 Canton, Ohio hi Kathy, what's on your mind today sure what I tell you now meet you for not by you or thank you again think that you expect the interest rate chart markets aren't going is there any way to lock-in an interest rate on a mortgage that you're going to be using and not cost money to lock and let letter that you can speak on yeah Kathy is a great question. Your let me say though, I don't expect interest rates to go up anytime soon. The Fed Chairman Powell has said as the Federal Reserve goes were not even thinking about thinking about replacing rates at this point, now could that change certainly and that's what the Fed does the Federal open market committee is there considering rates there to look at all factors, including how the economy is performing what is unemployment look like in all of that is changing all the time because were still in the midst of a of a pandemic, but I don't see rates going up anytime soon. Keep in mind though, we are at historic lows, and so really the only direction they can go is up. The question is when I would say that sometime next year.

Now, in terms of a rate lock that is something you can do but it's not something you can do just to lock it in without the intention of going forward with it in the near future.

Typically, a rate lock requires first of all you to go through an application process so you have to be serious about it. That's going to involve a credit check and then once you are kind of approved at the first level for that prior to underwriting, they would typically give you about 60 days in the form of a locket could go out as far as 120 days and and some may offer a free rate lock for a stated period of time, but you not to get it more than generally 6220 days and again you're going to have to go through that application process and their typically can want you to start the underwriting process of going through all the finer points of evaluating the home either through an appraisal or your perhaps some other method. If you have quite a bit of equity looking at your income doing verification asking for tax returns or at least the ability to request that if they choose all of those things.

So that's not for somebody.

Kathy you saying I just want to come to lock in this rate, and at some point in the Futurama to take advantage of this. It really doesn't work like that.

But if you're thinking you want to move forward sometime in the next 2 to 4 months.

You know, especially if it's two months then you could say to a lender yeah I want to go ahead and apply what a walker rate in and I'm planning on moving forward with this purchase or refinance. Does that make sense thank you you're welcome.

Thanks. Recall that they got bless you.

You think so much Kathy. We appreciate that and thank you for listening. If you're listening right now but if you're thinking of becoming taller, there is still some open lines available 800-525-7000 combatants speak with Sue was wondering about some student loan debt that her daughter has also Debbie wants to know about finishing a basement to rent it out talk about those construction related things, and anything else that you'd like to chat about when you dial 800-525-7000. This is money wise the deck out over the good-looking one ease Rob West, I'm Steve Moore just plain no more will be right back. Investing is more than just returns. It's an expression of who you are and what you value is the way you invest your money reflect your identity as a Christian at eventide. We design investments for performance and a better world. You can invest with the confidence to reach your financial goals while remaining truly are Christian values and commitments. We call this investing makes the world rejoice more is available@investeventide.com invest eventide.com. Thank you from the bottom of my heart I could've had the procedure I needed without CHF's help sharing the bills that letter from a member displays Christian healthcare ministries purpose to glorify God and serve his people. CHF is the original noninsurance voluntary health filesharing ministry, enabling its members to share the cost of each other's medical bills, call 800-791-6225 or visit CH ministries more hi name is Ryan Anderson children and family ministry major at the Moody Bible Institute radio verse of the week is found in second Corinthians, 4739. We have this treasure in jars of clay to show that this all surpassing power is from God and not from us. We are hard pressed on every side, but not crushed, perplexed, but not in despair persecuted, but not of been struck down, but not Corinthians 47393 radio verse of the week during the pandemic, spiritual, or midlife crisis.

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Maybe even that purchase.

Remember what first Corinthians 612 tells us all things are lawful for me, but not all things are profitable at school. Back to our phone lines Bonners ferry, Idaho KM BIR great station in that area and Debbie what's on your mind back every day I begged for me now to go and I love my home and I if I sit there something smaller, more affordable while not supportable. I don't have a mortgage for what I have. I don't think I can get any less well not very good about thinking on top my head. You're doing great.

Me. Temporarily, like a few times that had people that need a place to be. Or like MPA that would need a place to rent during their five weeks of rotation here and are a lot of people in and out of here semi-long it ate basement which has its own bathroom and there's like a kitchenette area that was where the people that built the house originally lived before they added onto it and it's not finished and I'm thinking about finishing at you ran out of the studio apartment. We have a dearth of rental in this county.

So probably if I wanted to pick it out rent today probably already have a renter in there but that's part of my question about his wife to do for 66-year-old lady and also their advantages as far as my firewood acted would be. I heat with white furnace and I probably went from the basement which is where the credit for the door that I went back up there anything that firewood all the way. How little things like that that the benefits of having that extra income sure is a couple of things your number one would be do you have to make any renovations or improvements. In order for the basement to be ready to take on a renter put on the prices of you had a contractor come and look at them get any kind of goods, I cannot help it but I contacted my that I would probably one of them to do that and it would be minimal for a while. We are thinking.

I was thinking as well.

My nephew moving like to take quite a bit of room thinking well that it storage area. The consideration you need to take into account what is exactly what you're talking about. I think you need to really get an accurate estimate from a contractor. Perhaps I would encourage even a couple of them to give you a true picture of what it's going to take to do the necessary improvements so you're ready to take somebody and what is that going to cost and then financially. Where is that going to come from.

Do you have savings for that or Zegna require you to take out of alone. Perhaps a home equity loan where you could absorb that into your budget and that would be key and then over time, you could pay that off, hopefully out of the rent that's coming in so that the hundred percent, perhaps of what you're bringing in.

You would be able to go toward paying that off as quickly as possible. Now you have improved basement and you've got this income on top of it. You're also going to set some money aside from that, so you can do any kind of repairs because you know if you have somebody coming and going, and then figure out how to handle the utility portion of the allocation is well beyond that, you need to really think about the safety side of it and who are you to be renting this to perhaps as a part of exploring what the improvements are gonna cost you want to call your local church or a few churches in the area to say you will have need for something like this. Do you have a board where you know I could find people like this. Do you have missionaries coming and going that might need you while they're stateside for six months or year a place to live because you're obviously going to want to feel very comfortable comfortable about who you're bringing into your home and really think through that and I think one other consideration is just one impact that's going to have on your life and whether you're willing for that to be the case and what insurance do you need for that.

It depending on whether this is short-term or long-term you, you may not need additional homeowners coverage, although it certainly ask what you're gonna want to add. Probably some additional liability coverage you want to visit with your insurance agent to see what changes you're going to need to make to your various policies, starting with homeowners so that you have the proper coverages so I think that's the due diligence you need to go through next how much is the cost where Zegna come from can absorb that financially where my gonna find my renters in my comfortable with that and the impact of my life and then finally, what do I need to do from an insurance standpoint. So what you start with those things in the as you have questions, so feel free to give us a call back that he got bless thanks so much for calling today. We hope that helps you quickly go to Florida, Miguel Anderson, you have some sort of retirement question for some yeah I will log long story short, Dave Ramsey. He recommends little things you recommend for retirement is to get a grow think it's called stock mutual fund in a Roth IRA and you know way he explained it I looked it up. It seems great. So basically, my question is how does one get started in that noisy yeah that's a great question in Dave's a good friend. In fact, he's good to be on the program here just a few weeks and I would concur wholeheartedly.

Miguel with what he's saying and that is that we need you once we have an emergency fund in place once our consumer debt is paid off, particularly credit cards. We need to be systematically contributing long term, assuming we have a budget word taking care of our basic needs and expenses and were giving systematically. We need to be putting something away for the long term, and really our goal for that monthly contribution to that retirement plan should be 10 to 15% of our take-home pay now where we put that well. If you have matching available through your 401(k) or 43B, I'd start there because that's free money if they're matching a dollar for dollar, you get an immediate hundred percent return on your money that you not get anywhere else. But if they don't offer that or if you've already maxed out the matching then I love what you're describing from Dave's recommendation. I love the Roth IRA Sen. Roth did a wonderful thing when with this came into being because now you can put in after tax dollars but you can see tax-free growth over however many years you're going to contribute between that time and retirement when you'd start pulling this out and when you do you pay no tax on all of the gains you can open a Roth IRA, you know, any number of the brokerage firm's banks, mutual fund companies so you could look at Vanguard you can open it at Charles Schwab. You could use one of the Robo advisors like betterment to me there's an unlimited number of choices there and what date is describing with a stock growth mutual fund. Basically that's just a basket of investments that's focused on growth, meaning it's it's taking a little bit more risk but growth oriented companies tend to outperform the alternative, which is value companies and so if you have time on your side which you're young and you do.

It's a great opportunity for you to get a lot of money growing for you over a long period of time so let's stay alive working to send you the sound mind investing handbook which will be helpful to you and if you have other questions along the way, don't hesitate to appreciate your phone call today. Stay with us. Miguel will be right back. This is buying a home is the largest most nerve-racking purchase. Most of us ever make. It doesn't help that you're entering a maze of unfamiliar words and confusing options that can lead you intimidated frustrated and afraid.

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Quite in regard, in the United States even on.

My daughter, she's in college right now year. I don't know what to do. It. Well I would cash it in.

Because there's better places to put that money there to give you a better return is an electronic bond Ingrid or is it a paper bond bond paper but okay well that the quickest way to get access to your money to cash in a bond is to it's a paper bond is to go to a local financial institution like a bank, and they can help you with that if you're trying to figure out how much it's what the value is today the website for that is treasury direct.gov that's the government website for all the various treasury bonds, bills and notes, and the savings bonds would be there and there's a savings bond calculator that would allow you to put in the actual information related to that particular bond and they'll tell you exactly what it's worth, and then if you decide you want to catch you then repurpose it if it's long-term money. Go ahead and invest it if it's not, it's can be used in the near term for paying off debt or for living expenses. You could put it in a high-yield savings account.

The bottom line is you're not gonna get a whole lot from this doubly bond and in so it's probably better to reposition it elsewhere. So I'd start by determining the value again treasury direct.gov and then if you decide to cash it in any financial institution should be able to help you that working here will go and you too. Thanks very much, Carl, Tom Pennsylvania hello Sue, do you have a question for Rob. I sure do is about investment to the next generation when the Lord causes home. Of course my husband and I have no major health issues at this time we are both retired. We have Social Security/other pensions, and in addition to that we had about $300,000 in 401(k) annuity is going to give you faith is about our situation.

We don't have to touch that 300,000.

Other than that required distribution in our home is paid off one daughter in her 30s. She's fairly frugal.

We have no grandchildren may change you know as God may bring someone in her life that is considerable that we we are providing her with little assistance along the way that she does need much of that right now we have her name just a beneficiary on estimate account but a friend has told us that lending companies can only clean to her and attend if she has outstanding student loan debt, which sort of file against what would be your inheritance, and that we should instead set up a trust and then she could apply to the trustee for living expenses and so forth.

I'm reluctant to do that because sitting at trustee or situation requires additional expense. It's complicated. There's ongoing cost with that but yes indeed a student loan company can kind step in and say oh no this is yours. After all, we may want to rethink that. I'm just wondering if you ever heard of risk like that and what you know what guidance you might