Tag Archives: Economics

We Know Better, Part 9: Economics 101: A Call for sanity

If we managed our family checkbook like the federal government, we would all be bankrupt. It is one thing having deficit spending in wartime or particular crises. It is quite another to simply print money, sell T-Bills and leave $30T for future generations to manage. It is immoral, unconscionable, and terrible economics. We have tried to be a warfare and welfare states since the 1960s and we must alter course.

In this essay, I am not ranting about the current administration’s out-of-control spending and highly political largesse for voters. Anyone can do that. I am not going to lambaste both parties for their refusal to trim waste and remember that all the money they spend in Washington, D.C. originates with taxpayers. I am going to offer a way forward that is at first glance naïve and simplistic, but upon further reflection, incorporates the insights of leading thinkers of the last half-century and is non-partisan and non-ideological.

I think we must argue about spending priorities, just like the family dinner table, a small business, or the corporate boardroom. I think we must argue about a fair tax system, from flat taxes, modified flat taxes, progressive tax rates, and levels of corporate taxation. Let the debates begin in the House of Representatives where they belong, and let Congress do its job.

We also forget that decentralized administration is almost always more efficient and fairer, so it should be a long-term priority to have our states, counties, and cities receive a larger portion of our tax dollars and Washington, D.C. much less.

OK, here are three simple points that will transform our economic future, without starving anyone or leaving America defenseless.

ONE: We must achieve a truly balanced budget ASAP, preferably in the next five years, beginning with significant deficit reductions and then living within our means. What does this mean? Here are some ways forward under this heading:

  • Reduce ALL federal spending by 15-20% across the board, targeting inefficiencies, encouraging retirements, rewarding departments under budget, and placing moratoriums on discretionary spending. (Oh, and place all elected and appointed officials back in the social security system and privatize their pensions.)
  • Look to eliminate unneeded agencies, restore as many functions as possible back to state and local governments, and welcome input from business leaders on more effective administration.
  • Decide ahead of time that we must live within our means. Need more money for a particular program that is working? Then find new revenues that are not hurting the productive and perhaps cut other budgets if needed. 

TWO: We must transform our overly-complex federal tax system. We have higher corporate tax rates that many “semi-socialist” nations in Europe. The top 10% pay more than 60% of the taxes and almost half of all American pay little or nothing. Here is a pathway forward:

  • Move to a modified flat tax that is revenue neutral from the baseline of a selected year, like 2019 (when the economy was good). Start at 5% and set the cap at 20%. Do the math. There is enough money.
  • Over a five-year period, eliminate all personal deductions – yes, ALL deductions, including charity, mortgage interest, etc. If I know I will never pay more than 20%, then I am still incentivized to earn more. If I know that at least 5% will be paid, I will aim to work hard and advance.
  • Corporate tax rates must be fair and reasonable and we must stop the cronyism that exempts some elites and places the burdens on the rest of corporate America. Tax only profits after accounting for expenses, R&D, etc., and do not tax dividend, stock, and other capital gains above the lower rate. I recommend 20% as a maximum rate.

THREE: This is the hardest of all: We must stop looking to the federal government to directly solve problems best tackled by more local private-public partnerships. WE DO need the universal ethics of the federal government, but not the ubiquitous administration. For example, an FDA is good, but a government-run meat company would be terrible. Here are some first steps:

  • End all loans for education. Encourage grants and scholarships from states and private sources. Continue with scholarships for veterans and particular fields that serve the common good.
  • Streamline military and welfare agencies so that the cost of services is reduced and the frontlines are actually helped instead of everything being entangled in a bureaucratic mess.
  • NO taxes on personal inheritances. It is immoral to tax again monies already taxed.

The burden for these changes is on us, the American citizens that vote. Will we see the moral problem of spending or capitulate to fatalism and hope we get our share? Our grandchildren need our courage! And if we make these changes, our economy will again be the envy of the world.

A Time for Repentance and Reflection

In the wake of the events following the murder of George Floyd, Made to Flourish issues the following statement. I think it is a clear, fair, and wise expression and I hope you will pass it on.

We join a chorus of voices in the unequivocal condemnation of the brutal killing of George Floyd, which followed the recent tragic killings of Ahmaud Arbery and Breonna Taylor. Of course, these are only the most recent examples among the long scourge of institutional and systemic racism and brutality against black and brown brothers and sisters who bear God’s image. We lament in the fullest biblical sense the injustice that has been perpetrated towards people of color which events like the killing of George Floyd continue to expose.

Above all, our righteous God is angered by injustice. And because the church is the visible representation of his voice and work in our world—the body of Christ—the church has a responsibility to offer prophetic critique and model a new way forward. Many churches have understood this calling, especially among our African American brothers and sisters. For many others, there is much work that needs to be done, undergirded by humble listening and sincere repentance. Corporately, we confess not only our sins of commission, in ways that the church has been complicit in racism, but also our sins of omission, as we have not loved justice and sought change that is consistent with God’s character and will.

As an organization, we exist to empower pastors and their churches to integrate faith, work, and economic wisdom, for the flourishing of their communities. Safe to say, our communities are not flourishing, and they haven’t been even long before the unrest of these past few weeks. Why? In part, we believe that the church has not been all that it is called to be in society. We say this not merely as a critique, but in humility, realizing that we have not embraced the totality of God’s mission in our world, the reconciliation of all things to himself, which entails reconciliation to one another.

While there are many ways to frame our current moment, one could say that our current crisis is a crisis of work, vocation, and economics. How will the people of God respond and live in their work environments? Will city government workers seek to build bridges in their communities? Will police chiefs and departments continue to inspect every system and incentive that leads to injustice? Will workers in unions not only protect their own but also embrace accountability? Will pastors and churches seek unity and partnerships, first among themselves, and also among the many non-profit, governmental, and for-profit companies engaging in redemptive work in our cities? Will each individual recognize and act on their responsibility to seek the common good of all in their community?

And of course, economics. Much has been written on the racial wealth disparities in our country, and how they undergird many of the challenges we face in our communities. The causes are myriad, some as old as the founding of our country. But how might the church embrace and call for expanding economic opportunity, rooting out bias in hiring and promoting, support for those looking for jobs, expanding access to social and financial capital, and calling for equal pay for equal work? In the model of sphere sovereignty, the institutional church is not always or even usually the final actor. But the scattered church, followers of Jesus deployed in every sphere of society, bring the aroma of Christ wherever they work.

We long for churches, alongside so many other important initiatives, to embrace the integration of faith, with work, and economic wisdom, for the flourishing of their communities. And we need to hear your stories of creative response and engagement. God’s Spirit is not done with his church. Through repentance and in humility, the church plays a central role in God’s redemptive plan, and the gates of hell will not prevail against it.

We end by praying for justice in our communities, that God’s justice would be made known in our cities where there has been rampant injustice. We pray for peace, not merely the absence of conflict, but the holistic flourishing of our communities under the reign of God. We pray for conviction in the face of our apathy and the seeming entropy of our concern. And we pray for hope, among what seems like a hopeless situation. Our God is more than able.

“And now may the God of hope fill you with all joy and peace as you trust in him, so that you may overflow with hope by the power of the Holy Spirit.” Romans 15:13

A Peaceful Revolution in Discipleship: Living in 5-D

Praying for a peaceful revolution in Christian discipleship, with millions of “ordinary” believers awakening to God’s presence and power in the midst of daily life. It is possible to enjoy God, become more whole, have healthy relationships, live with purpose, and do today’s tasks as worship. We have more resources than ever before for growth, but often see believers living emaciated lives. We need a fresh vision of “normal” that can inspire hope and propel institutional and personal transformation. Thank God for all our fine pastors and good resources. But there is an “Aha!” moment that must capture our imaginations for real progress.

Here is the revolutionary key: reconceiving the Christian life in terms of dimensions and outcomes instead of categories and classes is the key to fruitfulness. Sermons and Sunday schools, Bible studies and small groups, online and print programs: all of these are the means to a desired end, not the end in themselves! Check out this special Assessment for further understanding: www.discipleshipdynamics.com.

Life is dimensional and integrated, not just a “to do list” of boxes to be checked (yes, it is good to order our day’s activities!). The challenge for each person is understanding what “there” looks like. In other words, what are we aiming for, in principled and practical terms? Hebrews 13:7 offers this advice: “Consider the outcome of their (spiritual leaders) way of life and imitate their faith (both belief and action).” The next verse says, “Jesus Christ is the same, yesterday, today, and forever.”

Being a follower of Christ means imitation Jesus’ attitudes and actions, dispositions and disciplines, with a desire to love God, love our neighbor and make more disciples from every culture. What does this look like in real life? There are five dimensions to our lives that are all part of God’s plan and therefore they are all “spiritual” there is no sacred/secular divide, no separation of Sunday ecstasies and Monday’s ethics. Here are the five dimensions:

  • Loving God with all our being: enjoying and growing in intimacy with the Trinity. This is true spiritual formation and includes all the classical disciples of prayer and Bible study, church attendance and Sabbath-rest, etc.
  • Personal wholeness is an organic fruit of true intimacy with God. We lean to overcome our painful history with hope, manage our negative emotions, see ourselves as loved by God, forgive others and discover inner peace.
  • Healthy relationships are the implication of “loving our neighbor as ourselves.” This include healthy boundaries, sexual purity, good friendships and much more…think of all the great “one another” texts of the Bible.
  • Vocational clarity is the fulfillment of Ephesians 2:10: we are designed for a purpose and we are always more than our current job. Knowing our natural and spiritual gifts, the dignity of our labor and serving with humility should inform our lives daily.
  • All of these dimensions are worked out as we live in a world of economics and work each day! Whether paid or unpaid, labor or leadership, private or public, almost everyone spends their waking hours actively doing something. This is not our secular life nor are our activities merely a means to an end…our work matters to God.

Imagine millions of God-fearing friends awakening to the fullness of God’s intentions and offering all daily activity as worship to God. Imagine seamless integration of evangelism and compassion, for-profit and non-profit efforts, and prayer and the pursuit of justice. A peaceful and powerful revolution indeed.

Pastors and Politics, Part 2: Hidden Issues of Love and Justice

Our divided American political world offers peacemaking opportunities for local churches. As leaders and congregations committed to Biblical authority and the timeless moral and spiritual convictions of historic Christianity, we will never please everyone or always win over our opponents. This is why compassionate, intercession-infused courage and wisdom are vital for leading God’s people in to maturity and kingdom influence.

The obvious “hot-button” economic, moral and social issues must be confronted: divisions of class, gender and race, abortion and infanticide, marriage and sexual ethics, peace and war and many more. These require deep study, discernment and humility.

There are, however, hidden issues of love and justice that the local church is uniquely equipped to address. Convening partners and confronting particular barriers to flourishing will enhance peace among diverse groups and offer a shining witness of Christ in a world darkened by moral inversion and spiritual confusion.

One day in Nashville, TN, a group of pastors met to learn more about connecting Sunday faith and Monday work and infusing integration into their worship service, discipleship plans and outreach efforts. In the midst of a lively conversation of church and community flourishing, an African American pastor stood up and spoke, his voice trembling and full of pathos: “I am not an angry man. I have been a pastor in my church and neighborhood for over thirty years. Your church [here he pointed to a young church-planting leader] just set up your franchise two blocks away. No one called me. No one thought to talk to the people of the neighborhood. What you call gentrification and opportunity we call exile. Aren’t we supposed to work together? Where will my people go when they can’t afford to live in their neighborhood?”

There was a holy silence. The church planter humbly apologized and with tears, both leaders agreed to work together. The hidden issue? Gentrification. What some see as a positive transformation of blight is often displacement of generations of residents. What can the local church do?

Pastors and church have unique convening ability. Creating space for shared vision, dialogue and forging alliances among business, cultural, educational, social service, religious, and political leaders for the common good is a prophetic opportunity. Asking the question, “What does a flourishing neighborhood look like…and how can everyone be a part of the future?” and hosting people with the influence, skills and wisdom to forge a just answer is part of our calling as a church. One of the great critics of the early church in the 2nd and 3rd century was a man named Celsus. He was particularly indignant that the communion table welcomed all classes, cultures, races and both genders. Pastors can bring wise believers and people of conscience in all domains so that a community can improve without scattering generations of residents.

The second hidden issue is deeply connected to the first: How can we help foster true equity and create opportunities for sustainable work so that all classes and cultures flourish in a rapidly-changing world? Put another way, how do we empower folks that are left behind in the name of “progress” or the “gig economy”?

The local church, in cooperation with other churches and agencies, can shine brightly as she empowers congregants and the community with the spiritual, emotional, relational, vocational and occupational support and wisdom people need. Immediate emergency aid is good, but long-term, relational investment in people will yield much better results. The 21st century global economy demand workers with clarity and stability in their vocations and great flexibility and nimbleness in their daily occupations. Pastors can help create disciples able to understand and respond to the local and global changes. Local churches can convene forums for community growth that is inclusive and just.

One growing local church recently sold some property. Instead of either building a bigger church building or sitting on the funds, the congregation fostered ten new initiatives that help the community flourish, including new business incubation, life skills training and compassionate outreach programs offering hope for many.

Jeff Greer, senior pastor of Grace Chapel in Mason, OH (in the Cincinnati metro area) has articulated a vision he calls, “Biznistry.”  The local church can be an incubator of economic, social, and spiritual transformation as she empowers and equips men and women in creating sustainable enterprises that in turn contribute resources for future entrepreneurs.

The third hidden arena of love and justice concerns the unseen populations often overlooked in our conversations on flourishing. These include ex-prisoners and their families, and people with disabilities. Our neighborhoods and our nation are missing out on these divine image bearers that have much to offer as opportunities for meaningful work and service are made available.

People coming out of incarceration need the social capital of the local church so that they can grow in self-worth, learn needed skills and find open doors for sustainable work. Women and men with disabilities can be productive workers, not just objects of charity. These hidden groups can be participants in the more that 600 churches with some form of “job club.” Helping people find sustainable work in a rapidly changing economy is integral to the local church’s mission.

Whether it is the Career Actions Ministry of Menlo Park Presbyterian Church (now helping older people find and keep work in a “gig economy” that favors the young), Jeff Greer’s Biznistry for entrepreneurs or the efforts of restauranteur Tom Landis in Texas who employs men and women with autism and Down Syndrome, local churches can foster a creative and innovative vision offering hope and wisdom.

Navigating political issues will never be easy. Pastors need love, courage and wisdom as they equip God’s people for engagement – not just in voting – but in being part of the solution. Pastors can also help church and community look past the obvious issues and create fresh pathways forward so all can thrive, without capitulating to ideological extremes and the paralysis of partisan politics.

Working toward Peace as We Live with Our Differences

Critical thinking is not a critical spirit.
Evaluating ideas is not judging people. Please, let’s grow up and think as adults. Agree or disagree with ideas and policies instead of lapsing into labeling and libeling.

To all defenders and haters of Presidents Obama and Trump:
I challenge you to make friends that differ and really evaluate what is said and done.
I was not a fan of the previous President and have serious concerns about our current leadership. I am praying, learning and above all working for genuine peace, justice and reconciliation.

I affirm for all others the rights I desire for myself. This includes self-critique, efforts to reform institutions I serve and the necessity of evaluating other applications of various faiths and philosophies.

Let’s stop trying to silence our philosophical opponents and have dialogue.
I challenge every public college administration to stop capitulating to political correctness and let all (peaceful) sides of issues be heard.

I challenge conservatives to confront historical and institutional injustice as well as individual iniquity.

I challenge progressives to assess honestly the issues of economics and liberty of conscience and stop defending perpetrators of evil as victims.

To all women and men of conscience I offer the hope that while we debate our deepest differences we can go and do good for the world together.

Shalom.