Category Archives: Debt-Free

Debt-Free Series: Weeds?

I was introduced to flying by my dad. It became my passion. I poured every cent I could into learning how to fly and after I got my license in flying itself. At first my flying money came from my paper route and then later from my first job. Any extra money I had went toward flying.

Despite that passion, 35 years ago, the Lord convicted me to stop flying, and one of the reasons was because of the expense of it. The other day at an airport, I noticed a sign that advertised the hourly rental for the plane I used to fly. Can you believe it was $120 an hour? I have no doubt I’d still love to fly, but I’m very grateful to not be flying. I couldn’t justify flying for entertainment then, and I certainly couldn’t now.

Since this series is about raising children to be debt-free and content in Christ, there is a critical question that must be asked. Are there appetites (weeds) being created in your children that will be a lifelong curse? Are there things that will tug at their hearts, rob their peace and wallets by crying for their time and money? If your family is like most, then there are “weeds a-grow-n.”

For the sake of clear communication, let’s define weeds as “activities that consume time or money that are not beneficial or edifying.” If there are weeds in your children’s lives, even if they become debt-free, it is likely your children won’t be content in Christ.

“Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap: (Galatians 6:7). 


Debt-Free Series: Do You Know The Difference?

Do you know there is a big difference between being debt-free and being content in Christ? I am debt-free, but I am still in the process of learning to be fully content in Christ.

Being debt-free is a financial condition, but content in Christ is a matter of the heart and life. A person can be debt-free and not be content in Christ. While someone who is content in Christ, is almost certainly going to be debt-free. (Notice the phrase “going to be”? If they aren’t debt-free now, I believe it will be the burden of their heart, and they are working toward being debt-free.)

Debt-free is a matter of learning certain techniques and disciplines–being willing to limit oneself because of a commitment. However, that person can still be raging with discontent and be miserable. He could choose to live out his unmet desires through other means. He might still practice poor financial management by spending everything he has to fulfill his lusts.

“Not that I speak in respect of want: for I have learned, in whatsoever state I am, therewith to be content” (Philippians 4:11).

As parents committed to raising your children to be debt-free, an even more important question is: Do you desire for them to learn to be content in Christ? 


Debt-Free Series: Is Anything Too Hard?

Trying to live a debt-free life without Christ is empty and much more difficult than one who lives debt-free IN Christ. Remember Philippians 4:19? “But my God shall supply all your need according to his riches in glory by Christ Jesus.” Isn’t that a beautiful promise? Think about the phrase, “according to his riches in glory.” The One Who owns the cattle on a thousand hills, Who made the earth and hung the sun, moon and starsHe is the One Who provides for our needs. WOW. He has the means. Do we have the faith and depth of character to receive it?

We certainly don’t abide in Christ so He will provide for our needs. We abide in Christ for blessed fellowship with the One Who loves us and died for us. “As the Father hath loved me, so have I loved you: continue ye in my love. If ye keep my commandments, ye shall abide in my love; even as I have kept my Father’s commandments, and abide in his love” (John 15:9-10).

Providing for our needs is a blessing of abiding in Christ. It’s as natural as the vine giving nourishment to the branches. It is like parents providing for their children. As you raise your children, you aren’t keeping track of everything you spend on them so they can repay you when they are on their own. You provide for them because you love them.

The Psalmist said, “The idols of the heathen are silver and gold, the work of men’s hands” (Psalm 135:15). Likely that is why it’s been said that “anything we turn to to meet our needs is a competing god.” Are we content in Christ Who will supply all our needs? Does the reality of our day-to-day life—the decisions that we makeprove to those observing us that He is our God, Whom we trust and live for? Who/what are we looking to for our needs?



 “For every beast of the forest is mine, and the
cattle upon a thousand hills.” Psalm 50:10

“Behold, I am the LORD, the God of all flesh:
is there any thing too hard for me?” Jeremiah 32:27

Debt-Free Series: What is Our Example?

Our children are watching us and our example is being imprinted on their lives. We must ask ourselves, is it really about teaching our children to be debt-free, or the more important commitment, to love the Lord Jesus with all our heart, soul, and mind and obediently follow Him? I endorse the latter.

At the heart of our walk with Christ is whether we believe Him. Obviously, believing in Him, Who He is, and what He has done for us on the cross is essential for salvation. However, believing His Word is essential for abundant life in Christ. Do we truly believe what His Word says?

It is one thing to believe He has saved us for eternity with Him after we die, but does He provide and guide us while we live? If so, am I really willing to follow Him? Could it be that our willingness to trust and obey Him in life is an indication of our real trust in Him? Do we actually believe something if “it” doesn’t affect the decisions we make?

In the garden, Satan led Eve to sin by “encouraging” Eve to doubt what God told them. “…And he said unto the woman, Yea, hath God said…?: (Genesis 3:1). As a result of that exchange, sin entered and passed to their children and down through the ages to us. Foundational to teaching our children to be debt-free is for them to observe parents who truly believe God and follow Him.

Scripture is very clear on whether God will provide for us. “But my God shall supply all your need according to his riches in glory by Christ Jesus” (Philippians 4:19). Is it true? Of course. Do we believe it always? most of the time? some of the time? none of the time?

Our actions are determined by our decisions. We make decisions based on what we believe to be true. If we believe that God will supply all of our needs, what do we do when we don’t have money for something?

Do we first seek the Lord as to whether He considers it a need or a want? God will not supply all our wants, but He will supply all of our needs in His time.

Our children are watching. They remember our actions. We set the example. If we justify wants as needs, they will also. Then when God doesn’t supply money for their wants, they will borrow like everyone else.

Are you content in Christ? Are you trusting Him to meet your needs? Are you teaching, by example, your children to walk in faith, obediently following Jesus?


“Be ye followers of me, even as I also am of Christ.” 
1 Corinthians 11:1

Debt-Free Series: Excited to Begin

For some time I’ve had it on my heart to encourage families who have the desire to raise children to live debt-free lives. From my discussions with people, I believe the vast majority of Christians today are burdened down with debt. They believe it is just a fact of life – unavoidable.They have labored for years under the weight of it, not thinking it is possible to live without it. Praise God there are some who desire and are committed to something better for their children. If that is your desire, this series is for you.

I recently asked those who receive the Seriously Dads’ email if they were committed to raising their children to be debt-free. My purpose was to reply to them directly and encourage them. However, too many responded for me to dialog with each individually. To give you an idea, however, of the mindset of today’s conservative Christians, ONLY 2% replied that they are committed to this endeavor for their children. That grieves my heart not in any sort of condemnation, but because of the bondage they are experiencing and the freedom in life they are missing.

Still, I was encouraged that many responded that they are committed to raising their children to be debt-free. That also meant I needed to find another way of corresponding with you. I realized we could do it via the blog and for those who wished could sign up to receive the blog via email (see the right side bar). That is why the addition of a new topic thread to the blog.

What to expect, (Lord willing):

  • Hope! Hope is the essential, beginning point for commitment and achievement.
  • Practical ideas and resources that build upon that hope.
  • Encouragement. One brother shared how all his friends were suggesting that he get a mortgage and that it was a ridiculous idea to try to save for a house. This will be a “place” of encouragement.
  • A place for you to be involved. You can respond via e-mail (not by comments), give me your thoughts on questions, share your heart, and ask questions. (If you wish to respond, you can do so via our Contact Form or replying to a Seriously email.)
  • God’s grace. He gives it bountifully when we seek to follow Him.
  • Life in Christ, Who is the Hope of the world, the King of Kings and Lord of Lords.


Share these posts with others who you believe are open to living debt-free and/or raising their children that way. Even though you may be surrounded by those thinking it isn’t possible, why not help them escape “Egypt” with you? Create your own encouragement community around you.

Question: What do you think are foundational aspects for someone to be debt-free?

Thank you for being a part. Please pray for us as we pray for you.

(Also, WordPress automatically adds what it considers as related posts below.)

Trusting in Christ alone,

img_8178“Now the God of hope fill you with all joy and
peace in believing, that ye may abound in hope,
through the power of the Holy Ghost” (Romans 15:13).