Tag: get back up

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Now That Everyone Abandoned You…

Have you ever been worn out, backed into a corner, and devoid of allies? Your own attitude may be your ticket out of a bad place.

In 1 Samuel chapter 30 we read of David, before he was king. On the run from King Saul, he had linked up with, and began leading, 600 men in raids against neighboring enemies of Israel. Building on his success as one of Saul’s most prominent army officers, David’s success continued as a bandit. It ended one day as he and his band of outlaws were away from their home base (a place called Ziklag), leaving it defenseless.

Earlier, in 1 Samuel chapter 15, the Lord had commanded Saul to completely wipe out a people called the Amalekites. Saul chose not to obey God, and one of the consequences of that disobedience was a group of Amalekite raiders attacking Ziklag while none of the warriors were around to defend it. The wives and children of David’s band were all taken captive and carried away as prisoners.

When David’s men learned of it, some of them wept and wailed until they had no more strength left to continue weeping. Their despair turned to anger, and right or wrong, they directed that anger at David. Whispers began spreading through the camp; they began talking about stoning David to death.

At this point David didn’t seem to have anyone he could rely on. Not only was he on the run from the king of Israel (who had more than once tried to pin him to the wall with a spear), he had also been kicked out of a land providing him sanctuary despite his exemplary behavior because high-ranking officials didn’t trust him. Now, as his own two wives were taken from him and he was at a very low point in his life, his own group of thugs began to turn on him too. He had no earthly partners he could count on. Demonstrating why he was known as a “man after God’s own heart,” he did something in 1 Samuel 30:6 we can all take a lesson from. But David strengthened himself in the Lord his God.

There may be times in your Christian walk where it feels like everyone’s turned their back on you and you’re walking alone. Aside from God, you might very well have no other help. It might come down to your ability to encourage yourself that the Lord is still in control, and He has a reason for putting you through the struggles you’re facing. Place some encouraging scriptures in places you’ll see them regularly, find some devotionals and daily encouragements that hit the right spot, and spend time in prayer. Pour your heart out to God; it’s okay, tell Him how you feel! David had plenty of honest sessions with Him, too.

After this low point in the story, David spent time inquiring what the Lord would have him do. That’s an example we should follow. God led him out of that tough time, and David was stronger as a result of having gone through it. Though things are hard, hang in there! God won’t abandon you. Encourage yourself in the Lord, so even when everyone else abandons you, you still have faith in Him.

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You Won’t Know how Strong you are Until Being Strong is Your Only Option

I’d bet few of the people reading this have given much thought to the types of rope used in rock climbing. Climbing ropes are meant to catch somebody who’s lost their grip and taken a fall. As you might imagine, if you’re going to be betting your life on the integrity of your equipment, you don’t want to use just any old rope.

When used properly, the gear used in climbing can withstand harder shocks than your body can. The human body itself is the weak link in the system. To help the climber endure hard falls, the rope itself is designed to have some stretch to it.

As you can imagine, it’s very important that the rope’s owner/user keep track of the number and intensity of falls the rope sustains. Some falls are very easy on the rope; sometimes a climber just kind of slowly loses their balance or their grip and rolls away from the wall without actually falling. In this case the rope holds the weight of the climber, but doesn’t absorb a shock. On the other end of the spectrum, if a climber freefalls 8-10 feet before the rope starts going taut, not only is the climber going to be wincing in pain, but the rope will have used up a great deal of the stretch it’s capable of. That portion of the rope is now both less stretchy during a future fall, and it has less tensile strength and is more likely to break since the stretch is gone. After enough falls, that rope can no longer be considered safe, has to be pulled out of active use, and is retired.

In the last post we talked about succession and training your replacement. This time I’d like to focus on people that may feel like they’ve been forced into something different.

Although many times God will move you from one challenge to a larger one, there are other times He seemingly pulls you out of something and just kinda…leaves you hanging for awhile. Whether it’s ministry or some other profession, or something in your personal life, sudden changes can throw you for a loop. A job loss, a sudden injury, or maybe retirement that came sooner than expected are all examples of a situation leaving you scratching your head and saying “well, what now, God?”

In college I had a professor who taught us about how to safely set up ropes for climbing. He taught us all about knots, setting anchors, and proper care for ropes and gear; these are all technical skills needed for safely scaling or descending walls. As a part of the course he gave all us students a piece of climbing rope about a foot and a half long. He expected us to bring the ropes to class and we used these ropes to practice different knots throughout the course. He didn’t just take a new rope and chop it in pieces; it was a retired rope repurposed to be useful in a different way. Cutting up an active rope to serve this purpose would have worked, but it would have cost the overall enterprise.

If you’ve been forced into a position you wouldn’t have chosen, it’s certainly something easy to grumble about. Maybe you simply can’t perform the same way you previously could, and others that have been waiting for a shot at the role you held are getting a turn at it now. Don’t think that means you have less value. It means your value is going to be used differently. If lots of people can do the job, maybe it’s better to move into something fewer people can do, like a role benefitting from hard-won experience. Just because you can no longer do something you formerly could doesn’t mean you’re without purpose; it means your purpose has changed.

That same professor told a story about when he was younger and managed a nearby ropes course. Since the course was fairly secluded, it was inconvenient to carry ropes back and forth each time the course was going to be used, so the staff had a shed or a box near the course where they secured the ropes after being used. He arrived at the course one day to find the shed had been broken into and one of the ropes stolen. Strangely, a few days later the rope showed up again at the shed.

Not quite sure what to make of this, he knew better than to trust the rope. It had been outside of the ropes course staff’s control, and could not account for the activities that had been done with it. He later heard through the grapevine some students had “borrowed” the rope to pull a car out of a snow bank or something. If that’s true, it was probably a few guys that simply didn’t know their use of the rope would cause it to be retired. I don’t know what my professor ended up using the rope for, but there are plenty of other possibilities. Aside from cutting it up to be used for instruction, rope can also be used for hauling gear up and down a wall, lashing gear to packs, tying down equipment to keep it safe during high winds (or in the back of a vehicle), acting as a drying line for wet gear, improvising shelters out of tarps, etc. After its retirement, the same rope can be used for all of these purposes before they stop being useful.

If you find yourself in a situation where a few bozos made a snow bank-like blunder that ended up costing you, I’m sorry things went down that way. It’s understandable to be upset for a bit, but I have to ask…how long will you dwell on it? If you’ve still got plenty to offer and you’ve got the desire, what other ways can you use your knowledge and experience to benefit others?

It’s never too late to be who you might have been. –Mary Ann Evans

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Don’t Underestimate the Importance of Solid Footing

After I passed the SERE Indoctrination course in Texas, the Air Force moved my fellow course graduates and I up to Fairchild Air Force Base in eastern Washington state. Fairchild AFB is the site of the Air Force’s main survival school.

In some ways the environment was more relaxed. The screening course was about two weeks long, but the upcoming course was six months long. With such a lengthy course that starts only twice a year, if you missed the start of one class, you could be waiting around for awhile before the next class began.

While waiting we had various tasks and activities to perform. We’d work out together in the mornings five days a week, with every Monday being a PT test that the rest of the Air Force only did once or twice a year. On Monday afternoons we’d do a 7-mile timed ruck march. The other afternoons during the week usually involved some sort of training in a section of the base where we could practice using an ax to fell trees or split wood, perform other firecraft training, or practice building shelters. Another afternoon was usually spent cleaning a particular building, repairing equipment, or prepping and resupplying stuff we’d used previously. Every now and then we’d spend a few overnights out in the forest somewhere, learning to use the skills and tricks we’d picked up.

One of the cool things we regularly got to do was grab our loaded rucks and pile into a bus and we’d get driven to state parks or national forests or some kind of wilderness that was open to public use, and we’d go on 10+ mile hikes to help prepare our bodies for the upcoming training. The only real rules given to us were that we had to carry a decent weight in our packs, we had to bring water, and we had to wear the boots we’d use in training, but aside from the boots we could wear whatever we wanted. It was a relaxed version of intense training and we’d get to apply more things we’d learned along the way.

About this time of year, April or May, we went for one of these hikes up in the mountains somewhere. There was still a lot of snow on the ground, but it was warm enough that the snowpack was melting.

Someone tell that goober that his survival vest doesn’t go with that outfit

We came to one spot where some small evergreens were sticking out of the snow. As we walked through the patch of trees, a few guys started sinking waist-deep into the snow. It was a total surprise to me. I had no clue what was going on…it almost seemed like some kind of snow shark was swimming around underneath us or something, picking us off one by one.

It turns out that during the winter, as the snow fell, the evergreens acted like umbrellas. The snow piled up around the outside of the trees, but near the trunk a snowless void remained. Weeks or months later when some unsuspecting Air Force students came walking along and got too close to the trees, the snow shifted underneath them and started to swallow them up. Though the trees looked small, their full height was hidden from view. In this picture, Carl walked right between two trees growing close together, and after sinking into the snow he had to get a hand up. The surface he had been walking on, despite its appearance, was not as solid as what he had imagined it to be.

Two are better than one because they have a good return for their labor. For if either of them falls, the one will lift up his companion. But woe to the one who falls when there is not another to lift him up. -Ecclesiastes 4:9-10

We live in strange times. Up is down, black is white, right is wrong, and wrong is right. The snow that humanity stands on is shifting around us, leaving us in a state of confusion with unsteady footing. As the world goes off in search of today’s version of a moral compass (and gets ready to change it tomorrow), build your life not on the shifting footing of the world’s ideology, but on the firm foundation of Jesus Christ, which does not change.

“Everyone then who hears these words of mine and does them will be like a wise man who built his house on the rock. And the rain fell, and the floods came, and the winds blew and beat on that house, but it did not fall, because it had been founded on the rock. And everyone who hears these words of mine and does not do them will be like a foolish man who built his house on the sand. And the rain fell, and the floods came, and the winds blew and beat against that house, and it fell, and great was the fall of it.”-Matthew 7:24-27

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“Abba” Ain’t Just a Swedish Pop Group

Last year as part of the effort to escape the oppression of COVID, our family went to the beach for an overnight. We had a lot of fun, got some sunburn, stayed in a hotel for the first time as a family, and ate some treats that we don’t normally have.

This was the first time in a few years that we had been to the beach. My son, 9 at the time, was now big enough to try using a boogie board in the surf. Since he was only 6 years old the previous time we’d been at the beach, he was a big kid now. In fact, he had even stopped calling me “Daddy” by this point. He was all kinds of excited that he had the chance to try out something cool.

Remember what it was like being a kid? When I was young I used to be the one that was rearing to go, but now I’m the slow parent. We stepped off the boardwalk and onto the sand, and he was ready to hit the water. My wife and I, on the other hand, still had to find a spot to set up blankets and umbrellas, then apply sunblock, then blow up whatever inflatable thing we had brought, have a drink of water, etc. Since my son was chomping at the bit to get started before I was ready to join him, I sort of explained what he needed to do in order to get going on the boogie board, and then he took off to give it a try.

He didn’t quite realize that you can’t really boogie board in the water that’s super close to the shoreline, where all the waves kept crashing. Being the enthusiastic guy that he is, he had fun giving it a try, but he wasn’t really able to get going for any significant distance.

After his old man finally got in the water, I gave it a try from some deeper water. I took a few test runs to make sure I was giving him accurate information. I found the technique that was working for me, then tried passing it along to him. In order for him to really get going, he had to come deeper, past the point where the waves were breaking.

He was fine with the idea of coming deeper, but it was tough for someone less than half my weight to do while holding a very buoyant board. As I stood in water that was probably waist deep for me, it was hard to watch him try to fight through the surf to get out deeper. His first attempt was a victim of poor timing; he ventured into the water at just the right time where the wave hit him while he was off balance. It knocked him down and pushed him back to shore. He got back up and gave it another try, but he tried again too soon. I would have said something to him, but I figured he’d see the next wave coming and hold off until it passed. Nope. The same thing happened and he had to pick himself up again. From where I stood, I could see he was having second thoughts about this. Holding the board made it so much more difficult to get out past the crashing waves when he ordinarily could’ve just dived through them or gone under them.

On the third try, with mounting failures fresh in his memory and fear building in his mind, I watched him enter the water much more tentatively. A wave approached him and it hit his board hard, reminding him of just how powerful the waves could be. I called to him, encouraging him from where I stood, but I could tell he wasn’t going to hang in there a whole lot longer. Moving slowly when he should’ve moved quickly, more waves bullied him. Struggling to keep a straight face, his eyes grew wide and he called out to me in fear, “Daddy, I don’t like this!”

It was a heart-wrenching moment. I moved quickly to him and helped get him steady. While still standing in the zone where the waves crashed, I told him I could help him get past the crazy part, but he was no longer willing to give it a try, he just wanted to get out of there as fast as possible. It pained me to see him give up, and I tried several more times to convince him to give it another go, but he had made up his mind to stick to the shallows.

The part of that experience that sticks out the most to me was when my little guy’s enthusiasm melted away and he went back to calling me “Daddy.” He gave up on something that I know he would’ve enjoyed if he’d just done things a little differently. I could’ve forced him to do it, but I wanted him to want to do it, and it didn’t seem right to make him try something he no longer wanted to do (especially since it could have resulted in him fearing the ocean for years to come).

In the Bible, God goes by many names. One of them is “Abba.” The word “Abba” is something that Hebrew-speaking children call their fathers…it’s like saying “Daddy.”

The word Abba isn’t used often in the New Testament. It’s only used by two people: Jesus and Paul. Joachim Jeremias, a German theologian, remarked on Jesus’ use of the word. He writes “[Jesus] spoke to God as a child to its father: confidently and securely, and yet at the same time reverently and obediently.”

It makes sense that the Son of God talks to His Father that way. The part that’s crazy and amazing is this verse that Paul writes in Romans 8:15 and following. Paul’s writing about how we’re changed once we receive the Holy Spirit, and he says The Spirit you received does not make you slaves, so that you live in fear again; rather, the Spirit you received brought about your adoption to sonship. And by him we cry, “Abba, Father.” 16 The Spirit himself testifies with our spirit that we are God’s children. 17 Now if we are children, then we are heirs—heirs of God and co-heirs with Christ, if indeed we share in his sufferings in order that we may also share in his glory.

This means that we (Christians) are adopted into the family of God. Not only that, but we’re loved and accepted to such a high degree that we’re given the privilege of calling God the Father “Daddy!”

The next time you’re overwhelmed or just having a hard time in general, remember that not only can you call on your Heavenly Father…you can call on your Heavenly Daddy. If you tell Him “I don’t like this,” know that He sees you, He’s got you, and He can get you where you need to be.

God, thank you so much for understanding us so well and for giving us so many illustrations by which we can get a better sense of Your love for us. You’ve assured us we’ll have hard times in this life. When we do, remind us to call on You, seek comfort in You, and remember that You’ll give us what we need for each day. Amen.

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Is Anyone Asking These Questions?

Antibacterial soap…is it good or bad?

On the one hand, it kills 99.9% of bacteria. On the other hand, it means that only the strongest…the bacterial equivalent of gold medalists…are left alive to reproduce.

It’s easy to see how this can be a double-edged sword. If you’re about to put in your contact lenses, sure, wash your hands with antibacterial soap. If you just came in from mowing the lawn or working on the car, regular soap will be just fine.

We’ve got sort of a similar case brewing with COVID. We currently have a couple of different shots geared to fight the virus. I don’t know that “vaccine” is the best term to use; a vaccine normally prevents you from contracting the disease it was made to combat. (Think Polio, Smallpox, etc.) Today’s shots are just supposed to make sure that if you catch Coronavirus, the symptoms aren’t as bad as they otherwise would be. It’s true that as the shots became widespread, the number of COVID hospitalizations declined, but they don’t do anything to prevent you from contracting the virus. Reduced hospitalizations aren’t proof that the virus stopped spreading, it could just mean that there were fewer severe cases (which is still a positive!).

These shots have limited efficacy. That is, the shots’ symptom-reduction effectiveness wears off over time. We’re still learning about exactly how long it’s effective, but for this discussion let’s say it lasts somewhere between 6 and 10 months. There’s a growing movement to get a booster shot available to the public. Once that’s available, I don’t know for sure, but I would think it would only provide relief for a similar timeframe, meaning that another booster shot is required every 6 to 10 months beyond that point.

So where are we right now? Well, here in the US, we have a growing percentage of adults that have been fully vaccinated. I imagine that means we have a shrinking percentage of adults that have either never received “the jab” or only got a partial dose. I’m a firm believer that we’ll always have some certain percentage of the population that opts not to get stuck. Realistically, I think 100% participation is very far out of reach, especially if you have to convince people to get on board with a solution that apparently only provides a limited-time reduction of symptoms.

Let’s get real here. The virus is going to continue mutating and evolving. It’s a living thing that will try to survive. We have these shots that are temporarily effective, but we will likely someday have a variant of Coronavirus that can overcome our current shots. If a shot is to be effective at stopping the spread of COVID, there are a couple of things we’ll need that we don’t yet have.

The first is a more effective shot. Protection that lasts for only 6-10 months is simply not sustainable. Some people will be very diligent for the rest of their lives in making sure they get a booster every time they hit their window. Others may get one or two, but will stop going after that. My guess is that most people will fall somewhere in the middle. If big numbers of people start skipping the boosters, the overall effort will be rendered less effective.

Second, there needs to be a massive campaign that synchronizes global dosing. Giving everyone the same shot at the same time means global “Coronahealth” is predictable and we could make more definite plans. The problem with that is that it’s a logistical nightmare of epic proportions. Let’s say that every 8 months or so, international organizations administer effective dosages for 7.5-8 billion people. That might someday be possible in countries with well-developed transportation infrastructure, but it would be a herculean lift in more remote areas of the globe where travel is much more difficult or is only possible at certain times of the year. It would certainly be an impressive feat, but even if we do it for a round or two, we’re eventually going to start asking “is this really worth all the effort?”

How about we skip ahead to that point right now? Is today’s madness really worth all the effort? Yes, COVID-19 can be deadly, but in most cases, it’s not. It’s unpleasant and inconvenient, certainly, with many people losing their sense of taste or smell for months, but it’s not as deadly as originally feared.

I’m certainly not an avid consumer of news programs, so I may not be completely accurate about this next part. It seems, though, that all you ever hear about is numbers of new infections. “There were X number of positive COVID tests last week, bringing the cumulative total to doom and gloom.” Well…sure, but then they never follow up after that; they make it seem like that’s the end of the story…all those people are the walking dead and it’s just a matter of time before the virus claims them. My question is: why don’t we hear more data on people that have overcome the virus? How long does their protection typically last? Do average people gain more protection from a low-efficacy shot or from their bodies actually overcoming the virus? To be honest, I don’t know the answer, but it seems like nobody’s asking the question. At a time where “breakthrough cases” are spiking, shouldn’t we be asking some basic questions? Considering all the regular news reports that show thousands of new cases…wouldn’t it be a fantastic development if we learned that only 60% of them had long-lasting immunity after that?

So let’s ask the question: “how do pandemics end?” In order for a disease to die out, it has to run out of new hosts to infect. That can happen in a couple of different ways. 1. Isolate people so that the virus cannot spread from host to host. In the process, every infected person that does not spread the virus becomes a dead end for it. This is why it’s so important to quarantine at the beginning of an outbreak, when it’s still possible to contain it, but it has obvious negative mental health effects that most of us have experienced at some point over the last 18 months. 2. Enough people possess immunity (either natural or synthetic) from the disease that the virus has a hard time finding new, vulnerable hosts to infect. Our current shots don’t provide immunity, so we should be looking down the line to the next generation of medical solutions to provide actual protection from COVID, rather than merely preventing potent symptoms.

I’m inclined to think that a population who received the existing shots is actually prolonging the pandemic. If we could develop a shot that were a true vaccine…something that permanently blocked the virus from infecting the person who received it…that would hasten the end of the pandemic. Biology is funny, though; by introducing a hybrid injection that makes symptoms much more bearable without actually preventing the infection, all we’ve done is give the virus a challenge…something interesting to tackle and overcome. Think Jeff Goldblum from Jurassic Park. “Life finds a way.” I suspect that this course of action will only extend the outbreak by creating a larger number of COVID variants than we otherwise would have had.

In short, you know best what your situation is. If you want to get the shot, I say go for it. If, for whatever reason, you don’t want to, I don’t think anybody should be able to force you to get it, but you really do need to be respectful and responsible with your social behavior in all aspects of life. At all times, assume you’re carrying the virus and that not everyone around you has as hearty an immune system as you do.

Today’s shots are not going to end COVID. This pandemic is still going to be around until it runs out of new people to infect, and infection rates (including breakthrough cases) will probably rise as the cold months approach. Don’t be surprised if the numbers get worse before they get better, but don’t shut the door on the possibility that the rising number of infections may be what eventually causes the drop in new infections.

Keep your head up. It may take some time, but we’ll get through this!

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Your Money Can’t Work for you if Someone Already has Dibs on it

I’m not sure why I didn’t realize this earlier, but it recently occurred to me that lots of people get themselves into trouble when it comes to money and I might be able to help them by offering a few tips.

I’m speaking specifically about debt in this case. Maybe you’ve learned about debt the hard way, or maybe nobody’s ever told you the basics before, but my goal for this post is to help some people get on the right track to worrying less about their financial situation so they can focus more on the purpose God’s given them. After all, with high levels of debt, it’s easier to lose focus on striving toward becoming the person God wants you to be. If you’re weighed down by worry about your debt load, I’d like to help you get started on a path that allows you to reach more of your God-given potential.

Money itself isn’t a bad thing, but a love of it is dangerous. Money is a valuable tool in this life. Having the knowledge to wield that tool effectively means you have the capacity to accomplish more by using it wisely, preferably to the glory of God. Because debt might be holding you back from doing the stuff God wants you to do, here’s some practical insight.

We’ll start with the basics. Let’s say you owe a lot of money to credit card companies. I can give you the first couple of steps you need to take, but it’s important for you to realize that even if you dig yourself out of debt, you’ll probably end up right back in the same hole if you don’t curb your tendency to buy stuff you can’t afford. That’s something you’re going to need to address right away. Make the switch to only paying cash if you need to. (Having to physically hand over something tangible has a way of making people question whether or not the purchase is actually necessary or if it’s more of a luxury.) Alternatively, enact a rule that you won’t ever buy something the first day you think about it. Forcing yourself to “sleep on” such decisions will help you cut out a lot of impulse buys.

Ok, after you get a handle on spending habits, the hard work begins. Here come three steps to follow. Each step should be completed (or nearly completed) before moving on to the next step.

(Before I get started, a note to the parents of kids under 18. Starting this month the Federal Government is giving advance payments each month for the rest of the year that will total half of the year’s child tax credit. If you normally have to pay taxes when you file, don’t spend this money, because getting an advance on your tax credit is going to result in a larger tax bill when you actually file. If you normally get a refund though, this is a great place to start for step 1.)

Step 1: Using money you can scrounge from your budget, money you can swing from a side gig, or even irregular windfalls like stimulus money, yard sale proceeds, or gifts, save up $500-2500 for your emergency fund. You determine the amount by looking at where you are on the scale of expenses. If someone else pays your rent and you take either public transportation or a ride-sharing service to get where you need to go, it’s okay to shoot for the lower end. If you have a mortgage and a vehicle or two, shoot for the upper end. This money is not to be spent unless…you guessed it…there’s an emergency. Cars break down, kids destroy stuff, water heaters reach the end of their life and quit working. The idea is to avoid going further into debt for unexpected expenses, and life is full of unexpected expenses. This money should be available quickly (not locked up in a certificate of deposit, for example), and should be considered your new “zero balance.”  That means if you’re keeping $500 as your minimum, $500 in your account actually means you have zero. A balance of $510 means you have $10 to play with. The emergency fund is not to be used for regular bills…your regular bills should be covered by your budget. This is not for celebrations, splurges, or any sort of “I want” situation. The emergency fund is kept for unexpected but necessary expenses. If you use money from your emergency fund when you’re in a later step, halt progress on that later step until you replenish your emergency fund.

Step 2: Start tackling the debt. This is the one that takes time and persistence. After you’ve established your emergency fund, continue using the same type of income you were saving to build the emergency fund and instead apply it toward paying more than the minimum payment on your credit card bills. Credit card statements are now required to have a section that tells you how long it will take you to pay off your balance if you only make the minimum payment. By taking several months to pay off a purchase, you’re not getting away with anything…you’re actually inflicting a good amount of financial harm on yourself. With high interest rates in the teens, even a minor balance will take a ridiculously long time (and a ridiculously large amount of money) to pay off a small balance. So if you want to get out of debt, you’re going to have to make more than the minimum payment on your accounts. The best way to use a credit card is to pay off the balance in full every month. (And no, don’t just buy stuff to get the points or rewards for your credit card’s rewards program!)

Lots of people that are heavily in debt carry balances on multiple accounts, and they play a version of a shell game to shuffle the debts around from one account to another while carrying a debt load on yet another account. If you really want to get out of debt, you need to make your money work more efficiently for you. Let’s say you’ve got five accounts that you’re reliably making minimum payments on. It’s good that you’re meeting your obligations, but let’s start retiring some of those debts. Now that you’ve built your emergency fund, it’s time to keep the momentum going. The additional funds you were using to establish your emergency fund should now be added to the minimum payment of one of your accounts. Even if it’s only an extra $20 per paycheck, add it to the minimum payment you’re making on one of the accounts.

Your success will likely depend on the type of person you are. If your attitude is “I want to get out of debt without paying one cent more than I have to,” then your plan should be to start throwing all the extra money you can possibly muster at the account that’s charging the highest interest rate, regardless of how large the different balances are. Once you pay that off, you’ve grown the potency of your arsenal; you’ll now be able to use the money you used to build your emergency fund plus the amount you used to make the minimum payments on the account you just paid off. If your monthly minimum payment was $30, your new capability will be that $30 per month plus the amount you used to build your emergency fund. One of your debts is paid off and you’re gaining momentum.

This strategy is the one that makes the most rational sense, but in reality it can be disheartening for some people because it might feel like it takes forever to make any progress. If you know you’re going to need some small victories to encourage you along the way, you may need a different approach. If that’s you, take a look at your complete list of debts and start making extra payments on the account with the smallest balance. Add whatever additional principal you can to the minimum payment, and keep chipping away at it until that balance is down to zero. After that, do the same thing as in the other example: add your newfound cash flow to the minimum payment on a different debt. The bigger the debt that you pay off, the more cash flow you’ll be able to create and apply to paying off other debts.

The idea is to concentrate your extra cash on one account at a time. By all means, continue making your minimum payments on all your accounts, but any leftover capacity you’ve got should be directed at only one account. (If you’ve got an extra $20 a month for paying down debt, it’s better to throw that whole extra $20 at one account rather than throwing an extra $4 at five different accounts. Persistence is important, hang in there. It may take some time, but being debt-free is within your grasp!

Step 3: Built your savings large enough to contain at least three months (but up to six months’ worth) of living expenses. Even without global pandemics, this is a common goal for a lot of folks. Mortgage or rent payments are likely going to be the largest expense, but don’t forget car payments (if applicable), grocery bills, utility bills, any subscriptions that you don’t plan to cut in the event of financial hardship, insurance expenses, gasoline/commuter costs, and anything like alimony or child support payments. Layoffs, natural disasters, market downturns, and any number of other triggers can set off a financial catastrophe for earners, and having a cushion large enough to last you a few months will give you more options as you await resolution (find a new job, wait for the insurance check to arrive, sell your house, or whatever that resolution looks like).

By the time you’ve completed all three of these steps, you’re in a much better situation than you were before you started. Persistence and focus are your key assets in this fight.

You don’t have to be religious to put this advice to good use. Know someone that could benefit from it? Please pass this along to them. Too many Americans are living paycheck to paycheck. Whatever your life story or wherever you come from, our society is better off if people and families can effectively manage their cash flow and keep their financial house in order. Spread the word!

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Time To Get Back on the Horse

September is a gorgeous month for skydiving. The summer heat has lost its oppressive force, but you can still be comfortable either in shorts and a tee shirt or with a jumpsuit on top of that. It’s noticeably cooler up top when you get out of the plane, but it’s not cold enough to need gloves or extra layers yet.

Now, for those of you that don’t know me, I’m ordinarily a pretty laid back guy. If you see me lose my temper, something like, huge has probably happened. For some reason though, skydiving was a parallel universe for me. I was driven. I wanted badly to be good at freefall skills so I’d be able to turn formations deftly and be able to zip around the sky with other jumpers. When I tried learning certain maneuvers though, I’d try too hard, and I’d be more likely to lose my cool when something didn’t go the way I planned.

Goofing off with a buddy while waiting for our ride to altitude. It’s important to keep the mood light!

Early on I would jump out of the plane and my body tensed up. I’d go rigid not because I was nervous about plummeting toward the ground, but because I was overthinking the instructions and was too focused on trying to get it right. In freefall though, to get your body to do what you want it to do, you need to have your muscles very relaxed. Tensing your muscles causes all different kinds of problems for you. This wasn’t like kayaking, weightlifting, or skiing, where adrenaline or extra power can be a big help; this was an entirely new type of physical challenge…you had to stay chill when the wind is so loud you can’t even hear what someone six inches away from your face is screaming at you.

On one jump, I don’t even remember what happened…I just remember that even though I landed safely I was furious at myself for not getting the freefall objectives right. I mean like, livid. Before my canopy had even completely settled onto the grass, I ripped off my helmet and threw it on the ground, then started kicking it around for good measure. Oh, man, was I ticked! I was ready to get in my car and leave.

There was one instructor at the drop zone, Darlene, who really understood people and what makes them tick. She saw my little tantrum and talked with me about what happened on the jump. After our impromptu debrief she said something surprising. She told me that I needed to get one more jump in that day before I left.

It was surprising because on busy days you had to get in line to get a ride up to altitude; if people wanted to leave early, that was only good news for everyone else. I didn’t want any part of it, I was just feeling sour and wanted to take my ball and go home. She took a look at the schedule of remaining flights and found a way to get me another jump before I left that day. I jumped again, and it went much better than my helmet-kicker.

Darlene knew that if I left on the heels of a bad jump, it was quite possible that I might never come back. She understood that in order for me to flip the script in my own mind, I needed to walk out of there with success more fresh in my memory than failure. It didn’t need to be a stellar jump. It didn’t even need to be a great jump. It just had to be enough, in my mind, to crowd out the memory of a horrible jump.

It may not be skydiving, but you might be in the same boat today. You could be about to turn your back on the thing you thought you were meant to do.

Maybe you already walked away from it. You started walking and you didn’t even turn around to look back, because you want to convince yourself that this isn’t for you.

Well, even if you stepped away, what if you gave it another try? Do you have more to lose than you have to gain? It might just be worth another shot.

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When the English Language Fails

As it turns out, when we read the Bible in English, we’re missing out on a lot of the little details you might otherwise catch if you were reading it in its original language (mostly either Hebrew or Greek). I recently learned something interesting about how the resurrected Jesus interacted with the disgraced Peter, who had denied Christ three times.

We’re probably all familiar with the passage in John 21:15-17. It’s the one where Jesus asks “Simon, son of Jonah, do you love Me more than these?”

He said to Him “Yes, Lord; You know that I love You.”

He said to him, “Feed My lambs.”

He said to him again a second time, “Simon, son of Jonah, do you love Me?”

He said to Him, “Yes, Lord; You know that I love you.”

He said to him, “Tend My sheep.”

He said to him the third time, “Simon, son of Jonah, do you love Me?” Peter was grieved because He said to him the third time, “Do you love Me?”

And he said to Him, “Lord, You know all things; You know that I love You.”

Jesus said to him “Feed My sheep.” – John 21:15-17

Just reading over it you might think “well that’s a little weird,” or “it’s because Peter denied Jesus three times.” Well, that might have something to do with it, but I thought it was interesting when I learned about a literary device used in the recording of this account.

When John wrote the gospel that bears his name, placing two words with similar meanings near each other actually amplifies the difference between the two. An example in our language might be something like “I love Krispy Kreme, but I adore Dunkin’ Donuts.” The words “love” and “adore” mean very similar things, but in this example, Dunkin’ is the favored product.

We’re looking at something along those lines in these verses, but you can’t see it in English. We’re dealing with two synonyms for the word “love,” but they have slightly different meanings. The one Jesus uses means loving without holding anything back…with complete and total commitment. Peter, still fresh off his stinging denials, isn’t quite so confident as he used to be in declaring his dedication. Instead of using the “total commitment” version, he responds with a synonym that declares his love/affection for Jesus, but is a little shakier as far as the commitment goes. Using our “original language lenses,” we read it again:

“Peter, do you love (total commitment) Me more than these?”

“Yes, you know that I love (I’m super affectionate for you, but maybe not super dedicated) You.”

“Feed My lambs.”

Then a second time:

“Simon, son of Jonah, do you love (total commitment) Me?”

“Yes Lord, You know that I love (affection but not commitment) You.”

“Tend My sheep.”

Now here’s where the twist comes in, and it helps reveal why Peter was so grieved. When Jesus asks the third time, He stops using the word for “love” that He’d been using. He switches to the word Peter’s using. Peter used this version instead of the one Jesus used because he thought he’d be safer. It pierced his heart to have Jesus question even this lesser level of love:

“Simon, son of Jonah, do you love (affection for, but not necessarily committed to) Me?”

Peter was grieved because He said to him the third time “Do you love me?” And he said to Him “Lord, You know all things; You know that I love (affection without dedication) You.”

Jesus said to him, “Feed My sheep.”

Knowing this little insight, it helps us understand a bit better why Peter was so hurt by this exchange. Jesus knew everything that was still coming in Peter’s future, and this round of questioning helped prepare Peter to deal with his doubts and make the conscious decision to become completely devoted to spreading the Gospel.

God is really amazing in how He prepares people for what the future will bring. Some people seem to just be born with devotion to Christ, while others have to really wrestle with it. In either extreme, and everywhere in between, God knows you, and knows exactly what you need to emerge from that crisis of faith with complete commitment. Maybe you’re in the middle of that struggle right now. I personally would urge you to keep the faith, but for some people God needs them to lose faith before they can find it again. I don’t know what God has planned for your life, but He does, and He’s preparing you for it.

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Is It Worth That?

Imagine if someone offered you the chance to live for two weeks with two other people in an area about the size of three or four phone booths.

Before you answer, hold on a minute. It gets worse.

Courtesy of OhioMemory.org

It’s a closed environment, so nothing extra comes in, and no garbage goes out. All the food you’ll be eating during that time needs to be freeze-dried and packed inside. It’s not modern day freeze-dried food, either; it’s like, 1960s freeze-dried food. Add water, stir, and eat. Want to eat it hot? Add hot water.

On top of that, there’s no bathroom. You’ve got a little suction tube for liquid waste and you’ve got some bags for solid waste. Not a great deal of privacy, either.

What do you think, are you in?

Of course not. Why would anyone in their right mind sign up for that?

Now what if I told you that if you can endure these conditions, you get to walk on the moon?

From 1968 to 1972, the American space program sent a series of missions into space that resulted in 12 men walking on the moon and returning safely to earth. Would you be willing to endure the cramped quarters and terrible conditions if you could look forward to setting foot on the lunar surface?

That paints things in a different light, doesn’t it? Life is largely the same for a Christian; the main difference is that instead of two weeks, we’re looking at 80 or maybe 90 years or so.

This life has some fun times, and it has some miserable times. The older you get, the more you understand the temporary nature of things on this earth, and the more you realize that everything around you will one day turn to dust or otherwise become worthless. The joy, however, comes in knowing that you’re on your way to a destination of unspeakable happiness, where you come face to face with God Himself and can ask Him everything you’ve ever wondered about, you can praise Him with no distractions, and you can rejoice in the fact that nobody who’s there will suffer pain, heartache, or loss ever again.

The longest time of any Apollo mission that astronauts spent on the surface of the moon was during the final mission, Apollo 17. Two astronauts spent about 75 hours…a little over three days…either in the Lunar Module or out on the surface of the moon. That whole mission lasted about twelve and a half days from start to finish. Twelve and a half days in cramped quarters eating nasty food in exchange for 75 hours and three moonwalks on the moon.

In a Christian’s case, unspeakable joy that doesn’t end alongside your Savior in a body that doesn’t decay. That’s worth 80 or 90 years, even if a good percentage of them get rough.

Better times are coming. Hang in there.

Enjoying DareGreatlyNow’s posts? Let me know what you think. Email me at tim@daregreatlynow.com.

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When a Fail is a Win

Strange times we’re in. While there are many people that no longer have the job they held a month or two ago, many others now work from home. For those folks, the reality is that sometimes they just can’t produce the same quality from home that they’re able to at their normal place of business. I don’t advocate for shoddy workmanship, but it’s important to understand that if you’ve turned in low-quality work of some kind, all is not lost.

We’ve heard many times that God can take terrible things and use them for good. It’s like saying God loves us. We’ve heard it so many times we lose our appreciation for what it means. What if I told you there’s a story in the Bible where God used someone’s poor-quality work to both glorify Himself and accomplish His will at the same time? That might make you feel better when you’re unable to produce the same quality of work you’re accustomed to turning in.

There’s a story in 1 Kings 20 that has a funny little twist. The Bible often glosses over big events in a very short amount of time, and if you blink, you’ll miss it. In this case, the Israelites were at war with a numerically superior foe, the Arameans. Verse 27 says that the Israelites were like two little flocks of goats, but the Arameans covered the countryside.

The Lord was kinda mad at the Arameans in this engagement, so he enabled the Israelites to cut down 100,000 of their enemy in one day, and verse 30 says that the rest fled into a nearby city. Here’s where you’ll miss it if you blink: “But the rest fled to Aphek into the city, and the wall fell on 27,000 men who were left.”

Now, I don’t know about you, but I’ve never seen a wall large enough to fall on 27,000 men. In order to have a wall that big fall on so many people at once, we’re talking about failure at a spectacular level. The book doesn’t say anything about how that wall was constructed or what made it collapse; we just know that it happened, it was bad news for the Arameans, and it was all part of God’s plan.

Don’t misunderstand me, I’m not condoning work that’s intentionally sloppy or poor. If you can’t meet the level of what you’re ordinarily capable of though, do the best you can. There may be a divine purpose for that imperfection later on down the line.