Financial Lessons from my Preschooler

Susie and I started our life together like many others with basically nothing in regard to money and possessions. Married halfway through college our major goal was to finish college without being in debt. So after two years of marriage all we owned fit into our tiny Datsun F-10 alongside our baby son and lone piece of furniture, a rocking chair.Things didn’t get any better financially the next few years. I ended up out of work and we were poor, really poor. When I finally got a job it was minimum wage. I don’t know how Susie managed to feed us the way she did. And somehow, by God’s goodness, we paid our bills.Well that baby who traveled with us in the Datsun F-10 turned out to be a very smart little fellow. Turns out he has like an almost photographic memory, which meant he beat me at Memory at age three, right after he figured out that for the past six months Daddy only won by following his eyes. When he started looking in other directions I was toast.That little rascal wasn’t just good at Memory, he was also good at money, saving it, managing it, keeping track of it. I don’t remember exactly when it started, but I remember why. I needed some money for gas and we lived an hour from or bank, and we really didn’t have anything in the bank. In my need I borrowed from the smart little fellow. He was more than willing, but I think he already had memorized Proverbs 22:7, “The rich rules over the poor, And the borrower becomes the lender's slave” (NASB). So now he could not only beat me in Memory but he could also call in my loan. “Hey Daddy, you might really want think about that spanking because your current balance is minus $30.00.” Good thing he was not the kind of conniving kid his Daddy was as a kid.Once, as I was trying to settle my current account with him (I think he was twelve by then) we disagreed on the figure. I could have sworn I had made a previous payment, but whose memory was more reliable? Whose figures did we eventually go by? You probably guessed it.That little guy is now a grown man with his own family. I so hope his sons will have photographic memories and whoop their Daddy’s behind in memory and who knows what. But they won’t end up loaning him money because he is still good at managing it, saving it, keeping track of it, and even more importantly, being generous with it.It is much easier to be generous when you are not in debt. That little “loan shark” of ours figured that out too. He delighted in figuring out his tithe (10% you honor God with) of whatever money he was blessed with. He loved buying his sisters treats. He enjoyed giving extravagant gifts. That’s much easier to do when you are in the black and not in the red. In the red the first obligation is to the one you owe, and depending on how much you owe there might not be anything left to be generous with. It is tough to experience “It is more blessed to give than to receive” Acts 20:35 (NASB), when you are in debt.One more thing, it is amazing what can happen to us financially and materially when four things come together: 1. Working hard, 2. Managing well, 3. Honoring God, and 4. Generosity.“I have been a constant example of how you can help those in need by working hard. You should remember the words of the Lord Jesus: ‘It is more blessed to give than to receive” Acts 20:35 (NLT). “Honor the LORD with your wealth and with the best part of everything you produce” Proverbs 3:9 (NLT). “Again, the Kingdom of Heaven can be illustrated by the story of a man going on a long trip. He called together his servants and entrusted his money to them while he was gone. He gave five bags of silver to one, two bags of silver to another, and one bag of silver to the last—dividing it in proportion to their abilities. He then left on his trip. The servant who received the five bags of silver began to invest the money and earned five more …” Matthew 25:14-16 (NLT). “… God loves a cheerful giver” 2 Corinthians 9:7 (ESV).Wouldn’t it be great if we’d figure all of this out before the age of five? But even if we didn’t, today would be a great day to start.To God be all glory. Love you, Pastor HansP.S. If you live in or around Don Pedro and you wonder how to make a start on the above why not sign up for an upcoming Biblical Financial Seminar in the month of May. Contact the church office ldpbaptistchurch@gmail.com, (209) 852-2040. If you do not live around here check out http://www.daveramsey.com/fpu/ or http://www.crown.org/ .