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About the Book
"Broke Millennial" by Erin Lowry is a practical guide aimed at helping young adults take control of their finances and navigate their way to financial independence. Lowry explores topics such as budgeting, saving, investing, and dealing with debt in a relatable and straightforward manner. The book offers actionable advice and tips to help millennials achieve financial success and build a solid foundation for their future.
Xi Shengmo
Xi Shengmo, whose birth name was Xi Zizhi, was born into a literary class family of traditional Chinese medical doctors in Western Zhang village near Linfen, Shanxi Province. Young Xi received traditional Chinese education which would one day place him among the ranks of the learned Confucian scholars. Among his friends, he was a high-spirited boy, very forceful in character and a born leader. But, when alone, there were always questions about human life, perplexing and disturbing him, and he longed for an answer to the problem of existence. When his father passed away, his estate was divided. Young Xi purchased a farm on the outskirts of the town. He now became a Confucian scholar who in 1851 obtained Xiu Cai (BA), the first of three literary degrees. He soon won the esteem of the humble villagers and was asked to mediate in quarrels, law suits and other emergencies. As a result, his reputation for wisdom spread far and wide.
But with Xi, happiness and rest of soul were not purchased by such paltry trifles. His first wife passed way, leaving no children, and Confucianism did nothing to still the tumult of his soul. His study of Chinese classics, while stimulating the intellectual side of his nature, did not bring peace. At the age of thirty, he was married again, to a girl in her late teens, who became a loving and understanding wife. But the continued conflict in Xiâs soul was affecting his health. When friends suggested that an occasional use of the opium could do no harm and might bring relief, he decided to test its merits.
Temporary exhilaration was followed by a deeper depression of spirit than he had suffered before, however. He soon became an addict and resorted to opium again and again, until he was only a shadow of his former self. Committed to death by his wife and friends, he was dressed in his best clothing and laid on his bed, awaiting the moment of departure. To his great relief, his world-weary spirit seemed to be leaving the body. Suddenly it was arrested by the authoritative command, âGo back! Go back!â Sadly, the order was obeyed and the sick man found himself again facing the realities of life. After his conversion, Xi never conceded that what had happened was the fantasy of a distorted mind, but felt rather that it was the voice of God.
In 1877, a famine of fearful proportions stalked Shanxi province. For several years, there was no rain and, consequently, no crops. Thousands of people perished from hunger, diseases or suicide. In the midst of the distress, it was learned that two foreigners, David Hill (British Methodist missionary) and Timothy Richard (British Baptist missionary), had come to a nearby town. They wore Chinese dress, distributing food and money to the starving people. They also brought with them a religion of which the people of Shanxi never had heard.
With the end of the severe famine in 1879, Hill and Richard conducted a unique type of literature evangelism at the time of the triennial examinations in Taiyuan, and offered prizes for the best literary essays on Christian themes, which covered such subjects as opium, images of the gods, and the regulation of the heart and life; the essays sought to lead scholars to examine the Christian faith.
Urged on by his family to prove his prowess, Xi wrote four essays under four different names, and submitted them for examination. When the results were announced, he won three out of the four prizes offered. He went reluctantly to collect the prize from Hill at the missionaryâs house in Pingyang, accompanied by his brother-in-law. Later Xi described the meeting:
As daylight banished darkness, so did Mr. Hillâs presence dissipate all the idle rumors I had heard. All sense of fear was gone; my mind was at rest. I beheld his kindly eye and remembered the words of Mencius: âIf a manâs heart is not right, his eye will certainly bespeak it.â That face told me I was in the presence of a true, good man.
Xi became Hillâs assistant in writing literary tracts and translating the New Testament. Within two months, he became a Christian and accepted Hillâs help in breaking his addiction to opium. After Xi started to read the Bible, the Book began to exert a great influence upon him, giving him hope of deliverance from the dreadful habit of opium smoking. One day, as he was reading the story of the crucifixion, he fell on his knees, with the Bible before him, weeping as he read. At that moment, he felt that the dying, yet living Savior, enfolded his weary soul in his great love. His search was ended; peace like a river became his portion. The slave of sin was now and forever the bond-servant of God.
This peace did not last long, however; for a week, Xi neither ate nor slept. In the fierce combat between good and evil, he experienced almost every agony known to the human body. Weakness, faintness, dizziness, exhaustion, fever, chills, depressionâ-all attacked his enfeebled frame. When the struggle was most critical, the addict cried out, âThough I die, I never will touch opium again.â Through prayer âwithout ceasingâ and Bible reading, it was revealed to him that only the Holy Spirit could enable him to conquer in the conflict. Xi said later of the Spirit:
He did what man and medicine could not do. From that moment, my body was perfectly at rest. Then I knew that to break off opium without faith in Jesus would indeed be impossible.
He was finally delivered from opium bondage and became a new man. When this victory over opium was won, Xi adopted the name Shengmo, meaning âconqueror of demons.â Along with a sense of abundant grace given him came an intense longing to spread the possibility of such an experience to men near and far. Soon he became convinced that he was commissioned by God to do that very thing.
Thus, in a very brief time, he was converted, committed to holiness of life, and feeling a call to preach the Gospel. After Hill received a new appointment and returned to Hankou, Xi was baptized in November 1880 at Pingyang by J. C. Turner, missionary with the China Inland Mission (CIM). Subsequently he worked with CIM missionaries in pioneer evangelism in Shanxi and surrounding areas. His education, forceful personality, and spiritual gifts, together with a fervent faith expressed in a deep prayer life, quickly led to his emergence as a spiritual leader.
Now the opium-drugged victims of Shanxi occupied Xiâs attention. The wide-spread use of the opiate required earnest and intense effort if the enslaved were to be rescued. His first attempt to do so was in a small town near his village. Since they were short of funds, Mrs. Xi sold some of her precious bridal garments and jewelry. They rented a shop and stocked it with medicines, and furnished it with Christian texts on the walls.
For twenty years, the system adopted in this area became a pattern for between forty and fifty others that were opened as refuges for the users of opium. In each station, hundreds of persons were treated with pills that eventually Xi made himself by a secret formula which he believed was revealed to him by God. Loving care, presentation of Gospel truth, and much prayer led to the liberation of thousands of addicts, who then carried the news of their freedom to others. Every new patient was expected to attend daily prayer sessions. Indeed, only those willing to make prayer a major factor in their treatment were admitted. The pills, which took the place of expensive, imported ones, the supply of which had often failed at a crucial time, were the fruit of a season of fasting and prayer, plus Xiâs knowledge of native drugs.
His notable achievement was to establish as many as 50 opium refuges in four provinces; these also functioned as centers for church planting. One of the largest of these centers was at Hongtong County, thirty miles north of Pingyang. These refuges were run by reformed addicts who had come through his system, first as patients, then as converts, evangelists, and assistant refuge keepers. Churches established as a result of the outreach by opium refuges were made up largely of recovered addicts.
Xi remarked that his Christian life was a very real and constant warfare with the powers of Satan. His battle to develop that most effective evangelistic spearhead, the opium refuge project, met with opposition and difficulties. The only thing he could do was to ignore criticism and resist Satan with spiritual weapons. He relied on the strength of God, rather than his own. At times he became conscious of great fatigue and weakness, and these occasions became the call to much prayer and fasting, for it was in this way that he could know that some immediate, perplexing problem was to be prayed through. Always when he thought the will of God was ascertained, or the problem resolved, the unusual energy which was âusualâ for himâ- and which he considered to be from Godâ-was regained and the work resumed.
Xi also developed a utopian community called Middle Eden, where he worshipped and ministered together with family members, 50 or 60 disciples, and many recovering opium addicts. Many of the hymns used in churches and the opium refuges were composed by Xi. These were published as Xi Shengmo Hymns by the Shanghai Presbyterian Press in 1912.
Xi was an independent, strong-willed man. For the most part, he was respectful in his relationships with the Western missionaries, although some of them fiercely proud themselves noted that he frequently manifested an anti-foreign attitude. Not all agreed with his charismatic emphasis, his desire for control, nor his use of opium refuges as the principal method in his evangelism. Despite character weaknesses of impatience, dogmatism, and authoritarianism, which mellowed with years, he eventually came to exercise a ministry widely described as apostolic. His pastoral gifts leadership were recognized in 1886 when Hudson Taylor ordained him as superintending pastor over a wide area in Shanxi. Three groups of missionariesâ-the seven CIM missionaries known as the Cambridge Seven, CIM single women, and CIM missionaries from Scandinaviaâ-worked under Xiâs direction. This reflected Taylorâs conviction that Western missionaries were merely the âscaffoldingâ in the building of an indigenous Chinese church.
In 1895, Xi planned a conference in his own home village with the purpose of enlarging the refuge work. Two hundred persons were present, and the last sermon that he preached was unusually solemn. At the close of the conference, he decided to visit Mr. Dixon Hoste, who later was to succeed Hudson Taylor as General Director of the China Inland Mission.
In the midst of genial conversation with Hoste, Xi fell to the ground unconscious. He rallied, suffering more from weakness than from pain. Within weeks, signs of a serious heart problem developed. For six months he remained with those who loved him. Xi ceased his labor and entered into everlasting rest on February 19, 1896.
Sources
Taylor, Mrs. Howard, Pastor Hsi: Confucian Scholar and Christian (1900; rev. 1949, 1989).
Austin, Alvyn James, âPilgrims and Strangers: The China Inland Mission in Britain, Canada, the United States and China 1865-1990â (Ph. D. diss., York University, North York, Ontario, 1996).
Broomhall, A. J., Assault on the Nine, Book 6: of Hudson Taylor and Chinaâs Open Century (1988).
Latourette, Kenneth Scott, A History of Christian Missions in China (1966).
About the Author
G. Wright Doyle, Director, Global China Center; English Editor, Biographical Dictionary of Chinese Christianity, Charlottesville, Virginia, USA.
Will I Trust God
Had you been there that very moment, watching from a distance, you wouldnât have observed anything dramatic. Iâm talking about the moment Abraham (still called Abram at the time) stepped out of his tent and gazed into the heavens, looking at the stars. You may have heard him muttering something or other, perhaps at some point raising his hands or bowing to the ground. These gestures wouldnât have seemed out of character to you because everyone knew Abram was a deeply pious man. And being tired, since it was the middle of the night and all, you probably would have left Abram to whatever he was doing and headed to bed. You would not have known that this was a defining moment in Abramâs life. You certainly wouldnât have guessed this was a defining moment in world history that would impact billions of people. Because it would have seemed so undramatic. But thatâs the way moments like these â moments that powerfully direct and shape the arc of history â often appear at first. And in this case, what made the world-changing minutes of stargazing so quietly monumental was that this old man, in the deep recesses of his heart, believed God. Pushed Nearly Beyond Belief To understand the profundity of this defining moment, however, we need to see how this old manâs belief had been pushed to the very brink. It all began in Genesis 12, where God delivered to Abram a promise that would have been incredible on its own, quite apart from the fact that Abram, at age 75, and Sarai, at age 66, as yet had no children: Now the Lord said to Abram, âGo from your country and your kindred and your fatherâs house to the land that I will show you. And I will make of you a great nation, and I will bless you and make your name great, so that you will be a blessing. I will bless those who bless you, and him who dishonors you I will curse, and in you all the families of the earth shall be blessed.â (Genesis 12:1â3) So, âby faith Abraham obeyed,â packing up his household and setting out, though ânot knowing where he was goingâ (Hebrews 11:8). And when he and his small tribe arrived at Shechem, God spoke to him again and said, âTo your offspring I will give this landâ (Genesis 12:7). Time passed. Godâs blessing rested on Abram and his tribe, which included his nephew Lotâs household, and their combined possessions and herds grew larger â so large, in fact, that Abram and Lot had to separate into two tribes. Still, Abram had no offspring â the key to the fulfillment of the Lordâs greatest promise to him. Nonetheless, the Lord once again affirmed his promise (Genesis 13:14â16). More time passed. God continued to prosper whatever Abram did. And once again, the Lord appeared to him and said, Fear not, Abram, I am your shield; your reward shall be very great. (Genesis 15:1) But for Abram, now in his eighties, and Sarai in her seventies, there was still the same glaring problem. Amid all the abundant blessing of prosperity God had showered on him, there was one conspicuous, crucial place of poverty: Abram still had no offspring. Desperate Prayer of a Man of Faith It was at this point that Abram could not contain his anguished perplexity over the ongoing void at the core of Godâs promises, and it poured out in a desperate prayer: âO Lord God, what will you give me, for I continue childless, and the heir of my house is Eliezer of Damascus?â And Abram said, âBehold, you have given me no offspring, and a member of my household will be my heir.â (Genesis 15:2â3) The apostle Paul later wrote, âNo unbelief made [Abram] waver concerning the promise of God, but he grew strong in his faith as he gave glory to God, fully convinced that God was able to do what he had promisedâ (Romans 4:20â21). But in this prayer, do we overhear Abramâs faith wavering? No. What weâre hearing is not unbelief, but sincere perplexity. And thereâs a difference. Abramâs perplexity is similar to the young virgin Maryâs perplexity when Gabriel tells her that she will âconceive in [her] womb and bear a son.â She responds, âHow will this be, since I am a virgin?â (Luke 1:30, 34). Itâs a reasonable question; virgins donât get pregnant. Abramâs question is also reasonable with regard to nature; barren women past childbearing years do not get pregnant. God was not offended or dishonored by Maryâs or Abrahamâs sincere perplexity, which is why he responds to both with gracious kindness. And Godâs answers are also reasonable, even if his reasonableness often extends far beyond the limits of human reason (âIs anything too hard for the Lord?â Genesis 18:14). So, in answer to Abramâs sincerely desperate prayer, God graciously invites him to step outside. Starry, Starry Night God says to Abram, âLook toward heaven, and number the stars, if you are able to number them.â Then he said to him, âSo shall your offspring be.â (Genesis 15:5) Here, suddenly, is a defining moment for Abram. Godâs answer doesnât include how Abram is going to obtain descendants. All God does is reaffirm, and even expand the scope of, what he has already promised. In other words, âIâm going to give you more offspring than you can count or even imagine. Do you believe me?â And old Abram, with an old wife and a childless tent, looking up into the night sky so full of stars that in some places they looked like clouds of light, with the word of the Lord ringing in his mind, realizes that whatever God is doing is about something much bigger than he has yet grasped, and so he resolves to trust âthat God [is] able to do what he [has] promisedâ (Romans 4:21). [Abram] believed the Lord, and he counted it to him as righteousness. (Genesis 15:6) âThe world would never be the same because of that moment on that starry, starry night.â No one, not even Abram, could have seen just how history-shaping, how destiny-determining, this moment was, when a man was justified â counted righteous â in the eyes of God simply because he believed God. Because a man believed Godâs promises over his own perceptions. Because a man trusted God and did not lean on his own understanding (Proverbs 3:5). The world would never be the same after that moment on that starry, starry night. Joy Beyond Belief Iâm not saying it was smooth faith-sailing from then on for the man God renamed Abraham, âthe father of a multitude of nationsâ (Genesis 17:5). It wasnât. The Hagar and Ishmael event, as well as others, were still in the future. Isaac, the first of the promised offspring, wouldnât be born for another fifteen years or so. And God had another defining moment in store for Abraham on the slopes of Mount Moriah. The path of faith is a rugged one, and almost always more demanding than we expect. But after that night, Abraham did not waver in his belief that God would, somehow, do what he had promised. And God did. He made both Abraham and Sarah, and all who knew them, laugh for joy â âjoy inexpressible and full of gloryâ (1 Peter 1:8) â when Isaac was finally born. For thatâs where the rugged path of faith, the hard way that leads to life (Matthew 7:14), ultimately leads: to âfullness of joy and . . . pleasures forevermoreâ (Psalm 16:11). âThe path of faith is a rugged one, and almost always more demanding than we expect.â God leads most of his children, who are Abrahamâs children because they share Abrahamâs faith (Romans 4:16), to defining moments of faith, moments when our faith is pushed nearly to a point beyond belief, or so it seems to us. These moments may not appear dramatic to others. But to us, in the deep recesses of our hearts, everything is on the line. And at these moments, everything comes down to a simple but profound, and perhaps anguishing, question: Will I trust God? What usually isnât apparent to us is how significant the moment is for an untold number of others. For it is often true that in âobtaining [as] the outcome of [our] faith, the salvation of [our] soulsâ (1 Peter 1:9), what also results in the years and centuries that follow is the salvation of others â so many, perhaps, that they would boggle our minds if we could see them. When you believe God, he counts it to you as righteousness, as full acceptance from God himself. And when you believe God, it leads to the Isaac-laughter of inexpressible joy as you at last see God do for you what he has promised. And when you believe God, you will share inexpressible joy with a host of others who, because you believed, will be laughing in joy with you. Article by Jon Bloom