Tag: wisdom

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Am I a one percenter?

Reading Time: 3 minutes 
“I said to myself, “Come on, let’s try pleasure. Let’s look for the ‘good things’ in life.” But I found that this, too, was meaningless.” Ecclesiastes‬ ‭2:1‬ ‭NLT‬‬

​The heart searches, but does it find fulfillment? First of all Solomon was afforded something most humans never have access to – leisure.

I don’t know if it’s true, but I’ve heard about this 99% of the world don’t have a lot. Does the majority of humanity even have the resources to enjoy leisure?

Solomon had a life that gave him the opportunity to even ask the question, “What do I really want?” Most work, sleep and eat very little and have no time to ask about dreams, wishes or even a moment to search for Solomon’s list.

Look at what he tries out for fulfillment. Pleasure. Laughter, enhanced by wine. Then he pauses and admits, “I tried to experience the only happiness most people find during their brief life in this world.” He knew he was entitled. He knew he had the access, money and opportunity to push every boundary possible to see what’s out there to fill the emptiness and/or cravings in his soul.

He tried more noble pursuits, like building. Oh, he didn’t build these things himself, he only dreamed the design and architecture of what he desired. Slaves built HIS dreams. Read the plurality of he “built,” big homes, vineyards, gardens, and man-made lakes (reservoirs). He bought slaves! He bought people to serve himself and his kingdom. And, he had the unashamed, zero self-awareness to couple those purchases with animals. He bought people like he did animals, and used them for his search for fulfillment! He acquired massive amounts of wealth, wealth upon wealth, money that makes more money, by ever increasing in value. He hired singers and had numerous sexual encounters with women and possibly men as well (concubines). He captured his plenty in this sentence, “Anything I wanted, I would take. I denied myself no pleasure.” He even tried actual WORK. What did he go out an pull a weed? Did he play slave for the day?

What is the point of all this pursuit? And, why the excess? Solomon decided, since he was the wisest human to ever exist until Jesus came along, that he would find the answers and record them for anyone interested in knowing what’s out there.

You know what he found, exhausting every known pursuit – nothing! Nada! Zilch! He writes, “There was nothing really worthwhile anywhere.” I question the wild, abandoned pursuit of any of these things Solomon thought would bring him fulfillment or satisfaction of life itself.

But, I do know this. One, he did it so that I don’t have to wonder, “what if.” Two, Jesus, being the wisest ever, lived a totally and completely opposite kind of life. He didn’t live for pleasure, humor, wine, buildings, vineyards or gardens. He didn’t buy people or animals to amass a popular image. Jesus was financially BROKE, not having any real money or real estate to his name. Every cool little luxury he had was borrowed! Yeah, donkeys, rooms, goblets, gardens and even his own tomb – all donated by others. He died naked and even wore someone else’s burial clothes!

Solomon lived a life of excess and ecstasy so we can see how worthless it really is. Jesus lived a simple life, even a poor life, to show us the perspective of God towards a truly generous and eternal life. Jesus owned NOTHING, but had EVERYTHING. And, in God and accomplishing his mission, found the fulfillment that Solomon searched for.

Prayer

Dad,
If I am living the 1% life, and I believe I am. Then I really need to pay attention to a couple things: To whom much is given, much is required and I need to live a far more grateful, thankful existence. I need to constantly tend to my generosity and gratitude!

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Tell your face

Reading Time: 2 minutes 
“A glad heart makes a happy face; a broken heart crushes the spirit.” Proverbs‬ ‭15:13‬ ‭NLT‬‬

If you’re happy and you know it, tell your face! The commonly used phrase is “it takes more muscles to frown than it does to smile.” That’s a bust. Scientists just don’t agree on the number of muscles it takes. But there is a social science or physiological truth, we tend to mirror or mimic each other’s faces! And, it has been proven that a smile benefits the smiler and the smilee (observer).

The wisdom writers capture a truth about us, an ancient truth about us that transcends culture (don’t tell the Soviets), race, creed or color – when we smile it changes the perspective of those around us. And yes, Americans smile the most out of any country. It doesn’t mean we’re happier, we’ve just been socialized to do it more. And, I like it.

I’m back to driving our beloved freeways on my commute to our church. Traversing “the” 5, 605, 22, 405 and 91 (whew) I am a big-time people watcher with my 3 second neighbors. I can tell who is going to change lanes, or cut me off before they (or if they) use their blinkers. I watch their eyes in their tiny little mirror. I spend MORE time looking in my rear view mirror to see who’s naughty or nice and try to get out their way so they can go and “get my ticket” 😀. Anyways, I see a lot of freeway emotions everyday! Do you know what emotion I like seeing the most? Yep, a smile. When I see people smiling, it really does make me smile. It momentarily makes me think about my own life, circumstances and instead of being all grinchy, I just join in.

Some people think about how much God loves them and it makes them smile. I think about how God is in control of what I see as chaotic, and it makes me smile knowing that I don’t have to fix anyone or anything. I smile thinking I’m going to be obedient to God and give him my best! Even when my heart is broken or one my friend’s spirit is crushed, I still believe that God is at work on his good plan and pleasure. So go on get your heart in a glad place and then your heart WILL tell your face to smile.

Prayer

Dad,
You know I’d much rather be happy than sad. I am completely okay with moving through sadness, madness, frustration or even exhaustion – I just don’t like staying there. I often think about how terrifyingly miserable my life was from four to fifteen years old, eleven years of my precious childhood. Then I look at what life has been like since you transformed me. What a difference! It’s not like everything went perfect, or that some seasons weren’t extremely difficult. But the difference was YOU. You were with me. I was not alone. You walked with me through those times. I have determined to be as happy as I can because my heart is no longer broken. Thank you!

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You can get what you want.

Reading Time: 2 minutes 
“Backsliders get what they deserve; good people receive their reward.”
— ‭‭Proverbs‬ ‭14:14‬‬

Am I reading this Proverb correctly? Did the wisdom writers actually have and USE the word, “backslider?” I am shocked! I promise you, I thought it was some judgey word from a holiness/pentecostal era. Backslide? Backslider? The Hebrew writers tap into this idea that if Humans don’t want to constantly, continually move towards God, so be it. No one is forcing them to follow God. Well, yeah, there’s also the idea that they CAN get what they want!

The Rolling Stones had a song, “You can’t always get what you want.” It turns out you can. New Living Translation says, backsliders “deserve,” but the Hebrew word is “derek: way, road, or journey.” God will and does give humans the freedom to walk… away.

Oh, and I get the feeling that walking away feels so GOOD, so mature, so freeing, for the moment. Instead of freedom from sin and a redemptive life story, you get whatever results from the rugged, independence of God, “I’ll choose my own truth, own beliefs, own reality – thank you.”

Let me be honest, my parents (all five of them), and much of my extended family choose that way of life. All it brought was a huge pile of poopy for them and us as kids. I’ve been on this God path for over 45 years and there is no way I want to go for it on my own! I’m not perfect either. I’ve had my short bursts of moving away from God, not really intentionally, but just being lazy. The second I realize I’m drifting into a Glenn path, I turn, make it right with God and get back on His road – you know, the narrow, less travelled one.

So be warned or be encouraged, God will let you move away from Him and make your own way. Just know that either way, you’ll reap the results. My advice: move toward and with God. If you’re not on the right path TURN NOW. Find God’s way and get back to following it.

Prayer

Dad,
I had no idea the word, “backslider” was a real thing! I’m kind of shocked about it. Of course, I remember Jesus warning pharisees and prodigals that they can receive their little praise for cool prayers or loud generosity and certainly the son who demanded his future inheritance so he could squander it on Pig Island. They got what they wanted and it wasn’t your desire or path for them. But wow, this is right in our face! I can move towards you or backwards to slide away from you. I want to choose you always. I want to stay on this path, your path for the entirety of my life.

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Attention dog and dolphin lovers!

Reading Time: 3 minutes 
“The godly care for their animals, but the wicked are always cruel.” Proverbs‬ ‭12:10‬ ‭NLT‬‬

You may ask why such a strange principle shows up in wisdom training. What does animal care have to do with wicked and cruel humanity?

Whether you’re a dog, cat, duck or dolphin lover you know that there is something inherently good about being kind and yes, caring to animals.

Confession time. When I was a teen I had two unfortunate moments where I killed or injured an animal. Both had to do with a BB gun. The death was a dove innocently sitting on a telephone wire above. It came flying down right at me and died at my feet. I wept. The other was sorta accidental. I also shot at a cat walking down the sidewalk in front of my friends apartment. As it turned out, the cat belonged to MY OWN next door neighbor and I was “coincidentally” asked to cat sit while she recuperated from a vet removing the BB from her back leg. I had to CARE for the cat I had shot. That was it for me and animal cruelty!

I was also an avid reader of C.S. Lewis and he was an activist who constantly opposed vivisection (experimentation on animals). Lewis actually wrote about animal cruelty in many of his books. I came across the concept in one of his books, That Hideous Strength where Weston, the antagonist, picked up innocent little frogs and tore their limbs off, causally tossing them off into the grass along the path. Lewis even believed in animal immortality, and was adamant that animals would be in heaven – and likely talk!

There is scientific proof that children, mostly young boys that systematically harm, torture and kill animals are showing early signs of a psychopathic behavior. And, it’s been widely known that adults, again, mostly males, have used animal abuse and torture to threaten and control children – oftentimes their own children. Why? Why? Why? Lewis believed that it was one of the ways that our deeply evil brokenness gets a chance to lash out at our loving creator.

It appears that throughout our human history that cruelty and abuse eventually spiral downward to harm the most innocent, the most defenseless. Animals, unfortunately, fit that example.

The wisdom writers make a clear connection between care for animals, representing innocent and defenseless to godliness. And it rightly follows that the wicked, are ALWAYS cruel.

No one in their right mind speaks of cruelty as a human right. No one says they believe that evil and wicked people should be free to carry out their every desire. Ah, but follow the thread. Who says evil people shouldn’t act out on their desires? Isn’t cruelty, their self-made, humanistic, evolutionary propelled truth a right? That’s sounds unfair. That sounds so judgey to tell the wicked how wrong they are. Among the benefits of believing in God is the knowledge that He and He alone dictates true justice, true morality. And I for one am glad God tells us to be nice to animals. Believers should be better at it because wisdom says it’s a godly characteristic.

Prayer:

Dad,
I absolutely love the clarity of focus on your righteousness, your justice. Let’s just say I love your eternal and perfect perspective on everything in creation, including us as humans. So for me to “get wisdom,” is to understand you. It’s to understand your character, your ways, your interactions with me, with all of us. And, even in our “freedom” to choose to believe in you, but even further, to trust you with our lives and our future is beautiful and amazing. It does all come back to trust doesn’t it? I guess it’s similar to faith, but trust feels so much more intimate. I don’t just have a “belief” in you, I completely and totally live my life TRUSTING you. I don’t have to know all things. I don’t have to control all things. I just have to trust and obey… there really is no other way to be happy in Jesus!

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Hello, my name is Glenn and I’m a blabaholic.

Reading Time: 2 minutes 
“Too much talk leads to sin. Be sensible and keep your mouth shut.” Proverbs‬ ‭10:19‬ ‭NLT‬‬

This is one of those Proverbs that keep coming back to smack me in the face. Have you ever posted or put up sticky notes or cards with sayings and Bible verses you’d like to memorize and live by? This is one I should make into a T-Shirt.

I talk too much. I overshare, tell too-long stories and have determined it’s way too much like gossip. I shouldn’t even be writing this because it’s probably the last time you’ll tell me anything! I do have some safety features built into my blabbering ways. Sometimes I remember to ask friends, “is this confidential or is it something I am free to share?” Honestly, if it’s confidential I don’t share it with anyone, not even my wife. That word, confidential, seems to be the key to keeping my mouth shut! And those confidential things shared with me go into the VAULT.

I find it interesting, no HAUNTING, that the wisdom writers associate “too much” talking with sin. It’s like I hear people talk about drinking alcohol. A little, they say, is like “social” drinking. Like Paul telling Timothy to take “a little” wine for his stomach. But TOO MUCH and boom, you’re drunk. I don’t drink, but too often I blab. I’d love to say “oh, I’m just a social blabber,” or, “a little blab for levity.” Truth is I’m kind of a blabaholic.

There, confession is good for the soul or confess to one another so I can be healed. I see the remedy right there in the saying – just keep my mouth SHUT. I’d get that tattooed, but I hate needles. Plus, I’d have to explain it to anyone who asks, then I’d be shunned for sure!

Anyways, Proverbs is right and I need this constant reminder. If we talk please us the phrase, “this is confidential,” that should keep us both safe. Thank you for reading.

PRAYER:

Dad,
Wow. Many times I look into your Word, the Bible and it is experienced much like looking into a mirror. Except, I don’t like the reflection I see looking back at me! Forgive me of my sin. Help me in my sin. Help me change and grow to not increase in foolishness, but instead in wisdom. Thank you for your grace and power to overcome my big mouth.

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Wisdom’s own Willy Wonka Chocolate Factory

Reading Time: 3 minutes 
“Wisdom has built her house; she has carved its seven columns. She has prepared a great banquet, mixed the wines, and set the table. She has sent her servants to invite everyone to come. She calls out from the heights overlooking the city. “Come in with me,” she urges the simple. To those who lack good judgment, she says, “Come, eat my food, and drink the wine I have mixed. Leave your simple ways behind, and begin to live; learn to use good judgment.” Proverbs‬ ‭9:1-6‬ ‭NLT‬‬

​What an amazing way to look at God’s wisdom, actually preparing for and inviting people to a beautiful setting and a meal. There are so many pictures that come to mind as I read this.

First the enormous space that wisdom has anticipated for the event, it had seven columns. It’s not just a great feast it’s a large setting, a banquet hall ready for guests to be honored and treated like royalty. Do you see this? The SIMPLE are given a chance to feel like kings and rulers. Fools are invited to this feast! This is the Hebrew word, pethiy, fool, silly (i.e. Seducible). These are the ones who are easily enticed, misled. It’s the second most used word (15 times) for “fool” in Proverbs.

The other picture I see reflected in these verses is Jesus talking about a banquet feast that no one showed up to! Luke tells us in chapter 14 that Jesus told this story of the man who wanted to throw a huge party and invites had all gone out. However, when regrets started coming back, it made the man angry. He got excuses from the rich and/or well off – a man who just bought property, who was so wealthy he didn’t even need to see it first! Another who picked up some oxen and didn’t know if they were any good. And finally, a married guy, who forgot to tell his bride he’d been invited to a posh event, sorry no plus one. All of these smell of entitlement! So the man got really angry and instructed his servants to go out and invite the disenfranchised. They were not fools, but would likely not have opportunities to attend an event like this. This old proverb is different because the entire extravaganza was planned and prepared for those fools on the fringe.

And, here’s the kicker. Wisdom reveals her motive right there in the last stanza. “Ok,” you might think, “there’s the hook, the switch, the real truth.” But look at WHY wisdom would go to such extremes to host this party specifically for those who are specifically and regularly targeted for being taken advantage of. The catch, wisdom wants them to LEAVE their normal patterns of gullibility and find out how to LIVE! And to LEARN to use good judgment. This was a fancy, free dinner and seminar on how to better themselves and to quit being duped all the time!

Genius! Come for the elegance and free drinks and stay for a life seminar. If you could only see how much God wants to GIVE you a solid life, a good life, a smart and morally sound life, you would see how much He cares for you. Jesus retold a form of this parable with the edgy, entitled angle to basically say the same thing. This grand banquet, this free seminar is open to any who would take God up on his offer. In a very odd coincidence, it feels like Wisdom has its own Chocolate Factory and has invited the Charlie’s of the world to experience it!

PRAYER:

Dad,
Why is it so hard for folks to see how much, how hard you work to love us and give us a life filled with adventure and fulfillment. Why have we pitched salvation and redemption as a jail cell filled with rules and a boring funless life? We’ve really been duped! I think the church has been complicit in pitching holiness and righteousness and as joy and freedom killers. We’ve got it all wrong, all backwards! The real lie is this idea that our free choice to do what ever we want leads to happiness. And having our every wicked desire fulfilled leads to freedom. We have played the Pethiy fool, the simple seducible for believing that! We have all been DUPED! Help us see TRUTH, live truth!

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It can be a wonderful life.

Reading Time: 2 minutes

“I love all who love me. Those who search will surely find me. I have riches and honor, as well as enduring wealth and justice. My gifts are better than gold, even the purest gold, my wages better than sterling silver! I walk in righteousness, in paths of justice. Those who love me inherit wealth. I will fill their treasuries.” Proverbs‬ ‭8:17-21‬ ‭NLT‬‬

Wisdom is so generous! But she must be sought after and respected. It is interesting that when people think of riches or wealth, be it bitcoin or gold and silver, no one really associates it with wisdom. Wealth is more often associated with greed, manipulation and slick, smooth fast talkers bilking folks out of their hard earned money.

Wisdom says, get me and wealth will follow but it will not only come by hard work but also earned by how you treat others.

I know some wealthy people and they did not gain by i’ll-means and they are super generous. Their wealth had all the markings of hard work, smart decisions, right decisions, justice and yes – wisdom. It would be foolish to think for some moment that I should strip away their wealth and give it to someone who has not worked, not earned, not made good decisions and certainly not learned or even attempted to get close to wisdom!

This is not equality, this is moronic shortcuts to some humanistic principle of “rights.” I’ll tell about rights, wisdom says “come one come all and search for me, learn my ways, listen to me and I will lead you.” Wisdom gives the right to a great life by invitation NOT by some kind of socialistic lottery system. Why won’t some just come and learn? I have no idea! But wisdom (which by the way IS Jesus himself) doesn’t come free. It comes at a great cost to the giver (God) and the receiver (learner).

There are wealthy that are wicked for sure. And they did not gain their money or power through paths of righteousness or wisdom. Their path was stealing, manipulating, tricking and hooking the poor and the fool to gain their trust. Their path looks like casinos, lotteries and unaccountable welfare systems that rob humans of dignity and traps them into cycles of debt and dependency. Our only hope is through wisdom! And, wisdom is the first thing God gives a new believer who will continue to commit and walk with him in this journey through life. Get Jesus, get wisdom.

PRAYER:

Dad,
You are generous beyond measure in grace and wisdom. Knowledge itself starts with fearing your. And a all-in pursuit of you is a life long curiosity and education in wisdom. Thank you for the disciple and the patience to walk these paths of righteousness and justice to find wisdom and love her ways. Now looking back, wealth or the reality of having enough was absolutely a concern and often an outright fear. And, I can’t ignore the financial responsibilities that you have allowed wisdom to so carefully teach me. But I have learned that money is not the only riches that come from a godly life, a life engaging with wisdom. I also have friends, wonderful eternal friends that remind me of how truly wealthy I am. It becomes a wonderful life for sure!

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Wisdom doesn’t celebrate April fools.

Reading Time: 3 minutes 
“You simple people, use good judgment. You foolish people, show some understanding.” Proverbs‬ ‭8:5‬ ‭NLT‬‬

Ok, today’s proverb is too perfect for the calendar! It’s April Fool’s Day. A day that used to be filled with jokes, puns, tricks and stunts you’d play on your teacher, co-worker, boss, family or friend. It should just be called “prank” day but apparently on tiktok or IG that’s everyday.

Proverbs is filled with this word fool. And, basically there are only four different Hebrew words used. In this one verse, two of them are used – kesil & pthiy. These two would be the most used words for fool and they are both the more innocent words, describing folks who are slow or simple.

Don’t misread these as critical for those born with special needs or some kind of diminished mental capacity or delays in learning. That is NOT what proverbs is about.

These fools are fools by behavior, choice, regular consistent lifestyle decisions that leaves them vulnerable by lack of learning. The fact that wisdom is BEGGING them to see, hear and make changes, reinforces the idea that they are this way because of sin, or selfish stubbornness.

The wisdom writers have wisdom personified, calling out to the “kesil” stupid, dullard, fool. And says to use good judgment. This is the word, prudence. It is interesting because this specific Hebrew word is a normally a negative word, but here it is to be used and applied POSITIVELY for the one who ALWAYS seems to be taken advantage of. There are to learn and apply some shrewdness or craftiness. Think about this. Sometimes the simple are always being mistreated unfairly because they’ve never learned the art of reading other people’s motives. They become victims of a continuous cycle because they’ve got this emotional target on their back that says “kick me.” Wisdom says, take off the sign and start paying attention to being ripped off! Quit “believing in others” to the point of sacrificing your own self worth and self respect. Get some shrewdness, LEARN to find your voice and stand up for yourself.

To the “pthiy” fool. The simple, perhaps open-minded, (when used negatively the root word, pathah, means open – like an airhead). Wisdom has some different advice, she says show some understanding – the word “bin”: to discern. For these folks who are silly (i.e. seducible) and may love playing the clown or enjoying the momentary attention that this “act” may bring. Wisdom calls out their nonsense and gives stern warning that this lifestyle is filled with heartache and they will continue to be the beneficiary of bad “luck”. It’s not bad luck, it’s just sad to see them live down to the worst of what others see and never apply themselves to change. This again is someone who constantly leans on an apparent ease of apathy, of no concerns for anything serious or consequences of inaction. Their perception of themselves and the world around them is a perpetual lie! Wisdom’s advice, start filling your head with something of substance, like knowledge or passion, or God’s word. Quit living life with a helium-filled brain!

If these two words describe you in anyway – you CAN CHANGE. Do not believe the lie that life will never get any better or that you can never be anything different. If you know a “fool,” love them, but be straight with them. Call them up to better. See their potential and constantly remind them of a future that is good. Offer help and feedback to get them unstuck and moving forward.

Have fun with the day of pranks, but please don’t play the fool.

PRAYER:

Dad,
I am so thankful for your wisdom. You are an amazing father to the fatherless and you do such a good job training us in wisdom, discernment and discipline.

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Real men are not fools.

Reading Time: 3 minutes 
“While I was at the window of my house, looking through the curtain, I saw some naive young men, and one in particular who lacked common sense.” Proverbs‬ ‭7:6-7‬ ‭NLT‬‬

Wisdom, personified as someone looking out of the window of their house, sees young men. I don’t know what kind of neighborhood wisdom lived in but wow, she could look out and see some solicitation happening right across the street!

She sees young men and specifically the one who lacked common sense. What she saw was one of the four words the wisdom writers use for “fool.” Did you know there were four Hebrew words for fool? 1. Keciyl- stupid or silly, 2. Pethiy- seducible or simple, 3. Eviyl- perverse, and 4. Nabal- wicked (for more – bit.ly/biblefool).

Here the word “naive” in other translations is “simple” and yep, you guessed it, the seducible kind. I totally believe that wisdom looks out and sees this in some young men.

However, I’ve seen a lot of “simple” men (not just young) in my life. I used to think these were men who had horrible-to-none father figures, but some had/have great Dads and they just want to be knuckleheads.

I look out my own window and see plenty! I see young men race through neighborhoods, not caring about young children darting out in the street. I hear young men “sharing” their over-driven, expensive, testosterone fueled stereos leaving car alarms blaring and windows shaking. I see really expensive cars, all customized and tricked out with all the bling that could have gone into a ring for their girl. I see prison tats and angry death-glares as they swagger down our street scoping out a score or peeing spray paint to tag a neighbors wall. I hear f-bombs dropped as they talk to their woman and illegitimate children in tow. Oh, I see and hear a lot of vibrato, but I do not see men or maturity. I see fools.

I drive though my city and see young boys, preschoolers walking with their moms. They are as cute and as innocent as can be. I pray they don’t grow up to be fools, but I also know about the vicious cycles of a macho culture that will leave them with few choices to follow wisdom.

My heart breaks. I, like wisdom herself, want to call out and beg them not to be seduced by all the evils of this world, all the easy opportunities to just grow up mirroring what they saw in their own estranged father.

These stories of the simple do not turn out well. The wisdom writers, speaking of the temptress, say, “Her house is the road to the grave. Her bedroom is the den of death.” Honestly, sex isn’t the only seduction – power is just as tempting. And young men who figure out “to be feared, is to be powerful,” mistake the real purpose of power. Real men, wise, mature men, know that real power is to protect the weak, not intimidate them. And real men know that sex is not love. Sex is given, received and experienced in a lifetime bond of commitment and sacrifice to one woman; and to make kids that grow up secure, protected, and wise to love God & others.

PRAYER:

Dad,
I would never have figured out how to be a man if you had not found me and rescued me from a cycle of chaos. You pulled me out of generations of some good-hearted but weak, simple men trying to be fathers in my life. Of course, Ben, dad #3, wasn’t kind at all he was a Nabal kind of fool – wicked and conniving to his core. Thank you for wisdom. Thank you for discipline of character. Thank you for being a great Dad!

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Co-Signing a loan is super risky!

Reading Time: 3 minutes 
“My child, if you have put up security for a friend’s debt or agreed to guarantee the debt of a stranger— if you have trapped yourself by your agreement and are caught by what you said— follow my advice and save yourself, for you have placed yourself at your friend’s mercy. Now swallow your pride; go and beg to have your name erased. Don’t put it off; do it now! Don’t rest until you do. Save yourself like a gazelle escaping from a hunter, like a bird fleeing from a net.” Proverbs‬ ‭6:1-5‬ ‭NLT‬‬

This proverb falls under an NLT heading of “Lessons for Daily Life.”

I should have paid better attention to this advise from ancient wisdom writers. If you ever wondered how some advice given back in ancient times could possibly guide someone today just keep reading.

I had read this proverb as a youth. There was a problem then. I was broke and could not see myself EVER being in a position of loaning someone money or having a credit rating that would or could guarantee someone else’s loan. And, I didn’t understand this concept of co-signing a loan back then, but I sure do now.

Fact, if you ever co-sign on a loan, you better just be ready to see it as a gift! I’ve done this a few times in my lifetime. One for a young friend and the others for our children. The co-signing on a child’s loan is up to you. One of our child’s was a school loan and we (Robin and I) would have gladly payed it if we could afford it. So, we took on the risk and that loan will be paid off in a couple of months. Whew.

The other one was a rollercoaster ride of stress and could have been a complete financial disaster that my friends could have never foreseen. That co-signed loan went sideways. It grew in size because it was delayed in payment twice. In other words, if the student is still in school or has financial difficulties making the monthly payment after graduation or asks for extensions, the loan payment is paused but keeps accruing interest. This loan ballooned to twice the amount originally borrowed! And, as a co-signer, I was equally on the hook for it. It also deeply effected our credit score (you know the one I didn’t have or care about when I was younger). At one point I had to manage both co-signs in regards to our credit score! Let’s just say it was super stressful and I was praying for my friend to regularly make his payments.

NOTE: Not knowing the consequences did not save me from almost ruining our financial future. And, that’s the point of this proverb really. The warning(s) seems so silly, so far-fetched, futuristic, so old man/Dad-advise when you’re young.

This is one area I beg people to listen to! The phrase, “if you trapped yourself” haunted me for many years because of the one co-signed moment. It was so easy to sign the paperwork. It was so easy to want my friend to get into the school, get a great education and be a hero in his life. None of those feelings were there when we almost could qualify for a home loan!

God was merciful to us and our friend. He was eventually able to make the payments on time and eventually paid off the loan! I was so thrilled, so relieved and so proud of him – all at the same time. Would I do it again? Absolutely not!

People still co-sign for friends thinking they are helping them get the degree, get the car, get the house. I can’t believe it! This proverb is still true, and often it’s still ignored with horrible consequences. I know how hard it is to say “no” as well. The person is so sincere and can prove their need for the loan. They can’t figure out why someone won’t let them “borrow” your credit, your reputation and your future to pay if that loan defaults! And, trust me, it may not be for the amount loaned at the time. It may be double or triple that amount because of delays or missed payments in the life of the loan. If you aren’t in a position to outright GIVE someone the money, DO NOT co-sign for them.

Have you co-signed a friend’s loan? How did it turn out?

PRAYER:

Dad,
Your grace and mercy in this area has been so generous. It turned out well, but I would not have done it if I had known the true cost of co-signing! Thank you for the lessons from proverbs.