Finding Financial Freedom 3

The Diligent Servant : Luke 19:11-27

 

Dr John Gray has become a household name, and probably saved many marriages, through a series of international best sellers. In ‘Men are from Mars and Women are from Venus’ Gray reveals the mysteries of gender difference and how to understand them. I cannot think of a greater challenge to the survival of the male species, at least, than learning to cope with the physical and emotional differences between men and women. But then I am just a man.

 

But that is just the beginning. There are many other ways people differ. Bill Hybels observes there are cat people and there are dog people. There are tennis people and there are golf people. Some people like to sleep with the windows open and some people prefer to sleep with the windows closed - and they are usually married to each other. Some people keep a pen and notepad by the telephone while other people just have children. There are breakfast people and there are people who don’t remember what breakfast is. There are A type people and there are the rest of you. There are Tigger people and there are Eyore people. There are blue sky optimist people and there are chicken little - sky falling in people. And every team has at least one of each. When it comes to finances, some are cheque book people and some are cash people. There are Windsor farm shop - John Lewis - Waitrose people and there are Staines market - Tesco- Pound shop people. There are carefully balanced every month cheque book people and there are shut the cheque account down every two years and start over people. And you know who you are. There are people with stock brokers and there are people perfectly capable of going broke without them.

 

We were all brought up differently. We all came from homes that handled money differently. I remember as a young child how on a Friday night my father would come home with his week's pay - cash in an envelope. I'd watch as my parents would open the envelope, spread the money on the table, check the amount, moan about the deductions, then get out the bills due and apportion some of the weeks pay for food, some for the bills, and some to be saved for the future. It was a fine line between having enough and going without.  I am sure this has influenced the way I handle money today. The way we approach money management will clearly vary considerably.

 

But as we observed last week, the one thing we all have in common is the urgent need to tame the incredible allure and seduction of money. This is because the Bible makes the ultimate distinction between two kinds of people. Wise people and foolish people. Ultimately, God will declare we are either one or the other. How we handle money is one way we will find out. How we handle money reveals what is closes to our heart. How we handle our money is shaping our eternal destiny.

 

Jesus said, “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money” (Matthew 6:24).

 

Ultimately we will either learn to master money or be ruined by it. You will, I am sure have first hand experience, whether in your own family or circle of friends, ample proof of how the unwise handling of money causes unnecessary stress and unhappiness, tears families apart and provides bad role models for the next generation. 

 

We live in a materialistically crazed culture and some of us have not been wise when it comes to money. I want us to be jealous for our children and granchildren because they need good role models. Bill Hybels warns, given the power of money to deceive, we should therefore be very careful about what it might do to destroy our families and ultimately imperil our eternal destiny. That’s why I urge you, if you have not already done so, to put a plan together to manage your money wisely. A plan that can set you free from worry and debt, free from marital stress and family conflict.

 

I’d like us to look at our Bible reading from Luke 19 and see what values and principles we can learn. To help us develop a financial plan that will withstand the shockwaves of an uncertain world. That we can live with for the rest of our lives. That we can teach and model for our children, and God-willing - influence the eternal destinies of future generations.

 

Last week I had my two year appraisal with Bishop Ian. He had taken detailed references from various members of the leadership team and for about two hours we examined the ministry here in great detail. He was delighted to learn of the sustained growth, the energy and diversity of ministry which, by God’s grace, there has been here in recent years. But that’s not what keeps me going. I delight to receive emails and letters from parishioners who regularly share how God has touched their lives through Christ Church, how they feel fed and nurtured, how their children now want to come to church, how excited they are to be part of our fellowship here at Christ Church, but that’s not what keeps me going. My ultimate ambition, the one thing that keeps me going is the desire to hear God say, ‘Well done, good and faithful servant.’”

 

No doubt you have heard that phrase before. It comes from the parable Jesus told in Luke 19. I invite you to turn to it with me. This is a most unusual parable because it’s the only parable, as far as we know, Jesus told that was based on an actual historical event. In the preceding verses Jesus has for a third time predicted his death, visited Jericho, restored the sight of a blind man, stayed at the home of Zacchaeus. Now He was begun the steep ascent from Jericho to Jerusalem. Jericho is 1,300 feet below sea level, the lowest city in the world, and Jerusalem in about 2,500 feet above sea level. This 20 mile road was a six hour uphill climb in more ways than one, because Jesus knew that within a week He would be arrested, tortured and crucified. Let’s read beginning in Luke 19:11:  “While they were listening to this, he went on to tell them a parable, because he was near Jerusalem and the people thought that the kingdom of God was going to appear at once.” (Luke 19:11). What historical event lay behind this parable and why tell it at this moment? The answer lies in our first observation: 

 

1. Jesus is the King: We are his Servants (Luke 19:12-14)

He said: “A man of noble birth went to a distant country to have himself appointed king and then to return. So he called ten of his servants and gave them ten minas. ‘Put this money to work,’ he said, ‘until I come back.’ But his subjects hated him and sent a delegation after him to say, ‘We don’t want this man to be our king.’” (Luke 19:12-14)

 

You’ll remember that Herod the Great was king at the time of the birth of Jesus. He had directed the magi to go to Bethlehem, locate the newborn king, then tell him, so he could identify and execute any rival. Mary and Joseph escaped with Jesus so Herod exacted revenge on all the other families living in and around Bethlehem.

 

He was Herod the Great Murderer. But when Herod died, there was confusion over his will (he had made six). Two of his sons, Antipas and Archelaus claimed the throne. Archelaus tried to outwit his brothers and travelled to Rome to ask Caesar Augustus to give him the throne. The Jews were outraged with the prospect of Archelaus because he was as brutal as his father. They sent an official delegation of 50 of the leading Jews to Rome to oppose him. Augustus didn’t crown Archelaus, instead he made him a ruler of Judea, and gave Galilee to Herod’s son, Antipas, and the region  east of the Jordan to Herod’s other surviving son, Phillip.


Archelaus was so angry that when he returned to Jerusalem, he had thousands of Jews who had opposed him put to death. After the death of Herod the Great, when Joseph and Mary returned from exile in Egypt, Matthew 2:22 says when they heard Archelaus was ruler of Judea, they went to Galilee to hide. So this is more than a fictional story. It’s based on real events Mary and Joseph would have talked to Jesus about as a boy. So when Jesus told this story, those who heard would have shuddered. Its likely everyone listening to Jesus could name a relative Archelaus or his father had had murdered.  Archelaus was so brutal, the Jews and Samaritans united to depose him and Caesar eventually removed him.

 

His brother Antipas was then given charge over both Galilee and Judea. So Jesus is now approaching Jerusalem. Many believed he would take the crown from Antipas, destroy the Romans and inaugurate the kingdom of God. That is why Jesus told this particular story on this particular day. Jesus is indeed the true king but not the kind they were expecting, not on their terms and not on their timescale. What about our expectations of Jesus? What principles can we glean from these opening verses? There are two kinds of people in Jesus’ story, just as there are in the world today. Servants and subjects.  The servants were entrusted with some of his wealth and given a job to do while he was away. His subjects, however, opposed his rule. Sound familiar? Rick Warren says when you are rowing the boat you don’t have time to rock it.

 

Notice in this parable the noble man gave each of his ten servants the same amount of money - a mina is about three months wages.  The Greek word for “put to work” means pragmatia from which we get the word ‘pragmatic’. It suggests a degree of individual initiative and creativity in the way they were to put his money to work. Isn’t that true for us also? At the November Family Service we are going to look at a similar story Jesus told - the Parable of the Talents. Don’t confuse the two. In Matthew 25 Jesus told a story about three servants. One is given five talents, another is given two and the third is given one talent. If that parable emphasizes how we each have been given different talents, this one emphasizes what we have in common. I can think of three things we are given in equal amounts.

 

Time:  Look at your watch. Yours is ticking at the same speed as mine. We each have 24 hours a day in which to accomplish God’s will. We have all been given enough time. 

Truth: Look at your bible. It’s the same as mine. We each have the same instruction manual, the same amount of truth revealed. Some may have memorised more of it than others but we all have equal access to God’s revealed truth.

Task: Look at your hands. We are his servants and he expects us to work. The word translated servants, actually means ‘slave’.  We are his slaves entrusted with his resources. We may have different talents and different assignments but we have all been entrusted with time, with the truth and with tasks.

Jesus is the King. We are his servants. Never forget it.

 

2.      Jesus is Returning: We are Accountable (Luke 19:15-23)

“He was made king, however, and returned home. Then he sent for the servants to whom he had given the money, in order to find out what they had gained with it. “The first one came and said, ‘Sir, your mina has earned ten more.’ “‘Well done, my good servant!’ his master replied. ‘Because you have been trustworthy in a very small matter, take charge of ten cities.’ “The second came and said, ‘Sir, your mina has earned five more.’ “His master answered, ‘You take charge of five cities.’ “Then another servant came and said, ‘Sir, here is your mina; I have kept it laid away in a piece of cloth. I was afraid of you, because you are a hard man. You take out what you did not put in and reap what you did not sow. His master replied, ‘I will judge you by your own words, you wicked servant! You knew, did you, that I am a hard man, taking out what I did not put in, and reaping what I did not sow? Why then didn’t you put my money on deposit, so that when I came back, I could have collected it with interest?’” (Luke 19:15-23)

 

In verse 16 we learn how the first servant used his mina while his master was gone. He reports that his mina has made ten minas more! That’s quite a dramatic increase – a 10 fold one! Certainly if I knew of a fund manager, who could turn £10,000 into £100,000 I’d be quite impressed! And the new king is impressed! In verse 17, he congratulates the servant, “Well done, good servant” Not only does the servant receive commendation from the king, but he also receives a reward – authority over 10 cities. A mina was a pittance in comparison to a city – yet because the servant had proved faithful in a small thing, he was given responsibility over something much greater. In the same way – what God has given us – our money, time, resources and talents – is nothing compared to the wonderful things He will give us in eternity – but only if we prove faithful with what He has given us now.

 

Just as Archelaus left Judea and traveled to Rome, so Jesus was crucified, resurrected and ascended into heaven to be crowned. Just as Archelaus returned from Rome to become the ruler, so one day soon, Jesus will return to planet earth as king of kings. Do you see the simple logic of this story. Because Jesus is King, we are his servants. Because we are his servants we are accountable for the resources he has entrusted to us. 

 

About once a year I meet with a financial advisor. Its usually a short meeting because I don’t have much and then we go and play golf. He asks me a series of questions. He wants to know about my goals. About what I want to achieve with my assets. Imagine if he said, “You know what, my kids have been nagging me for months about building a swimming pool. Thank you for entrusting your finances to me. With your money I can give my kids what they want.” I’m really not interested in his goals for my money. He gets to keep the job on one condition - Whether he achieves my goals not his. The most important question you can ask yourself on a regular basis is this. Am I advancing the cause of my Lord and King? Am I achieving his goals with his resources entrusted to me?

John Wesley taught a very simple approach to money. His instructions were: “Earn as much as you can. Give as much as you can. Save as much as you can.” That’s a good principle to follow But notice no where on his list were the instructions to "buy as much as you can."

 

Christian financial planners who have studied God’s word recommend we follow what’s known as the 10:10:80 principle. Every month when you take your pay cheque or salary slip in your hands, consciously choose to pay two entities handsomely and consistently. The two most responsible for your income : God and yourself. Tithe 10% to the work of the local church - where ever you have made your spiritual home - where you and your family are fed and nurtured.

 

Bill Hybels says, “When you tithe you declare God is sovereign in your life and this sets in motion God’s supernatural intervention in your financial affairs.” Then invest 10% in a savings fund - not for the holidays or the next car - but for the long term. Its your investment fund for the future - you are building an inheritance for your pension or for your children. And then be a prudent consumer on the 80% left which is for the normal expenses of living in God’s world. When you’ve honoured God with your first tenth and put aside the second and are providing for the future, you can relax a bit, you can live a little. Once you are on a plan - you are going to be less anxious about the future.

 

Let me just illustrate what this might mean for you: Lets say you are 25 and you are earning just £15,000 a year - and that’s all you earn for the next 20 years. By the time you reach 45 you will have given £30,000 to the work of God. And you will have an investment of £85,000 with compound interest. How many 45 year olds do you know earning £15,000 a year have £85,000 in the bank? But lets say you decide to start the 10:10:80 principle a bit later in life. You are 35 and you are earning £30,000 a year. When you reach 55 you will have invested £60,000 in the work of the Lord. And you know what? You would have a cool £171,000 in your personal equity plan. One more illustration.


You are 45 years old earning £60,000 a year. When you retire aged 65 you will have seeded God’s work with £120,000. What Christian is not going to have a sense of fulfilment at that prospect. And how much would you have in your investment plan? £343,000.

 

The power of compound interest. The power of the 10:10:80 principle when you stay on the plan. If you feel prompted to begin your own 10:10:80 plan, and regard yourself as a member of Christ Church please complete Bankers Form and Gift Aid form. As we saw last week in Acts 4, people were being saved daily because:

 

“All the believers were one in heart and mind. No one claimed that any of his possessions was his own, but they shared everything they had… and it was distributed to anyone as they had need.” (Acts 4:32, 35).

 

When the church functions as a group of servants trying to figure out how to achieve God’s goals with God’s resources, miracles happen. The lost get found, believers are built up, needs get met, God gets glorified and his kingdom gets extended. Jesus is the King: We are his servants. Jesus is Returning: We are accountable.

 

3.      Jesus will Judge: We are in Training (Luke 19:24-26)

“Then he said to those standing by, ‘Take his mina away from him and give it to the one who has ten minas.’ “‘Sir,’ they said, ‘he already has ten!’  He replied, ‘I tell you that to everyone who has, more will be given, but as for the one who has nothing, even what he has will be taken away. But those enemies of mine who did not want me to be king over them—bring them here and kill them in front of me.’” (Luke 19:24-26)

 

In the parable, there were two kinds of people: servants and subjects. It’s also true in this world there are two kinds of people: the servants of the Master, the Lord Jesus, and subjects who have not yet surrendered to Jesus. This side of Jesus return we have the choice. If you haven’t yet accepted Jesus as your Lord and Saviour I would be an unfaithful servant if I didn’t tell you that


3.1 Those who reject the King’s authority will be rejected
It’s not pretty, but verse 27 describes what will happen to those who haven’t surrendered to the Lordship of Jesus when He returns. In the parable, the King executed them. There is no other way to put it. I pray you won’t reject God’s free gift of eternal life in Jesus Christ.
In the parable, the servants represent those of us who are followers of Jesus. When the king returned, he found two kinds of servants. There were two faithful servants who leveraged the Kings minas to create more value. They were rewarded. But what about the unfaithful servant who gave his one mina back to the king? We learn here that


3.2 If you hide God’s resources, you risk losing them
In verse 21 the unfaithful servant reported he was afraid of the King, so he hid the money. If you feel the nobleman in the story is hard on the man, describinbg him as ‘wicked’ ask yourself what he was doing while his Lord and King was away?  His excuse was, “I knew you were a hard man, and you reap what you don’t sow.” The other servants didn’t say that. They considered the King to be a fair man who would reward their faithful service. The king now uses the servant’s own words to judge him. Using the servant’s own logic, the king reasons that if the servant thought he was a hard taskmaster, then he should have been all the more motivated to put the money to use. 

 

The unfaithful servant maybe a picture of a Christian who is headed for heaven, but because of fear, or perhaps because they have never taught from the Bible about their destiny as a child of God, about their role as a servant of Jesus, they have never really got involved in the Kings business. Now, while you can’t lose your salvation, you can lose the joy of your salvation; you can lose your usefulness; you can lose the Lord’s favour; you can lose your reward. When we stand before the Lord, He will examine us and our work. Our management will be tested in the fire of his evaluation. Paul writes in I Corinthians,

 

“The fire will test the quality of each person’s work. If what has been built survives, the builder will receive a reward. If it is burned up, the builder will suffer loss; but yet will be saved - even though only as one escaping through the flames.” (1 Corinthians 3:13-15).

 

The King took the mina away from him and gave it to the one who had ten. The witnesses, cried out, “that’s not fair!” Jesus replied, “Use It or Lose It!” That may sound unfair to you, but it’s a principle woven into our universe. Think about it - it’s true of your muscles. Use them or lose them! Lie in a hospital bed for a week without exercise, and you’ll lose your strength. Atrophy occurs when muscles aren’t used. That’s why physical therapy, exercise, and rehabilitation are so important after you have been hospitalized.


It’s true of your mind as well–use it or lose it! There was an article in a 2002 edition of the Journal of the American Medical Association (JAMA) about how mental stimulation can keep your mind sharp and prevent Alzheimer’s disease.

 

“The study was conducted by scientists at the Rush Alzheimer’s Disease Center at St. Luke’s Medical Center in Chicago. They found that frequent participation in cognitively stimulating activities by senior citizens is associated with a reduced risk of AD. The research examined groups of aging people from several areas around the nation and looked at activities like reading books, newspapers or magazines, engaging in crossword puzzles, or card games, and going to museums. They found that on a scale measuring cognitive activity–with higher scores indicating more frequent activity–a one point increase in cognitive activity represented a 33% reduction in the risk of AD.”

 

It’s true of your muscles. It’s true of your mind. It’s also true of your soul. If you don’t use God’s resources you may lose them. If you aren’t actively doing the Kings business, you may lose the ability or the desire to do his business. Consider this little verse:

To each is given a block of time… and a bag of tools;

 

And the Word of God for a Book of Rules;

For each to build… in this life alone;

A stumbling block or a stepping stone.”

 

Are you investing your time for God? Your talents? Your treasure? Where are they right now? At work for God or hidden in your pocket? Maybe even in a secret Swiss Bank account? The Inland Revenue may not know about them but your King certainly does and he is expecting some interest, some return on his investment. But here’s the glorious truth Jesus is trying to communicate to each of us today, if you needed any more motivation:


3.3 If you invest God’s resources, you’ll receive much more
The first and second servants were spiritual entrepreneurs. They got busy and invested their mina doing business for their master. They started with the same amount as the unfaithful servant–they just did something with their mina, while he hid his.

 

Life is all about taking the training opportunities God gives us and going for it! There were ten servants in the parable who were each given a mina. Only three reported back: Where are the other seven? Maybe we are the other servants, and the end of the story won’t be written until we also stand before the Lord and He evaluates us. One day you and I will stand before Jesus and He’ll ask us, “What did you do with all that time I gave you?”

“What did you do with the truth you knew about me?” “What did you do with those opportunities to serve me through others?” God has given each of us - one life. What are you doing with yours? If you are investing your life in the King’s business then you will be blessed indeed. This is how Peter summarises this parable:

 

"The end of all things is near. Therefore be clear minded and self controlled so that you can pray. Above all, love each other deeply, because love covers over a multitude of sins. Offer hospitality to one another without grumbling. Each one should use whatever gift he has received to serve others faithfully administering God’s grace in its various forms.” (1 Peter 4:7-10).

 

So, remember when ever you look at your watch, when ever you look at your bible, when ever you look at your hands, that:


Jesus is the King: We are his servants.

Jesus is Returning: We are accountable.

Jesus will Judge: We are in training.

 

God is looking for entrepreneurs who are willing to risk their lives doing His business. Will you? If you will, by God’s grace, one day you’ll hear Him say, “Well done, good and faithful servant!” Lets pray.

 

 

I am grateful to several other pastors for inspiration, ideas and quotes used in this sermon. These include: David O. Dykes, pastor of Green Acres Baptist Church, Tyler, Texas; Thomas Hemphill, Pastor of Grace Bible Church, Brisbane, Australia;  Kenneth Trent, pastor Second Baptist Church, Channelview, Texas; and Bill Hybels, pastor of Willow Creek Community Church, South Barrington, Illinois;