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Author: Erin Lowry
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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.

J.C. Ryle

John Charles Ryle (May 10, 1816 - June 10, 1900) was an evangelical Anglican clergyman and first Bishop of Liverpool. He was renowned for his powerful preaching and extensive tracts. Biography Ryle was born on May 10th, 1816 at Park House, Macclesfield, the eldest son of John Ryle MP and Susannah Ryle. His family had made their money in the silk mills of the Industrial Revolution, and were prominent members of Cheshire society. Accordingly, Ryle was educated at Eton College and then Christ Church, Oxford, where he took a congratulatory First in Greats, and a Blue in cricket. Conversion and ordination Ryle's family were nominal Anglicans, and until his time as an undergraduate Ryle had a similar attitude to Christianity. However, as he was due to sit his final examinations, he became seriously ill with a chest infection, and was confined to his bed. During this time he began to pray and seriously read the Scriptures. However his conversion occurred when he attended an unknown church, and arriving late, he heard the reading Ephesians 2:8-9. The force of these words hit his heart, and from that point on he was assured of his salvation. After leaving Oxford, he returned to Macclesfield to assist his father in business and with the assumption that he would inherit the estate. However in June 1841 Ryle Senior was bankrupted, and the family was left ruined, and forced to leave Macclesfield. With his future now in tatters, Ryle was forced to look for a profession to sustain himself, and as a last resort, he offered himself for ministry in the Church of England. He was duly accepted and ordained in December 1841 by Bishop C.R. Summner of Winchester. Parish ministry Ryle's first charge was as curate of the hamlet of Exbury in Hampshire, an area of a rough but sparse agricultural population, and riddled with disease. After a difficult two years, he became unwell, and was forced to spend several months recuperating. In November 1843 he moved to become the rector of St Thomas', Winchester, where he made a reputation for himself as an energetic and thorough pastor. Over a period of six months the congregation grew to well over six hundred communicants, and the church was forced to consider alternative accommodation. However Ryle was offered the living of Helmingham, Suffolk, and it was to here that he moved in 1844, where he stayed until 1861. With a congregation of some two hundred, it was here that Ryle began to read widely amongst the Reformed theologians, and produce the writings that would make him famous. It was at Helmingham that he began his series of "Expository Thoughts on the Gospels", and started his tract-writing. Though his time at Helmingham was extremely fruitful, Ryle quarreled with the squire John Tollemache, and by 1861 he felt the need to move on. His final parish incumbency was Stradbroke, also in Suffolk, and it was from here that Ryle became nationally famed for his firm preaching and staunch defense of evangelical principles, both from the study and the platform. He wrote several well-known books, mainly based on his tracts and sermons, and often addressing issues of contemporary relevance for the Church from a Biblical standpoint. Of these, perhaps the most enduring are "Holiness" and "Practical Religion", both still in print. Episcopate Ryle's uncompromising evangelicalism in the face of increasing liberal and Tractarian opposition gained him many admirers, and he was fast becoming one of the leading lights of the evangelical party. He was originally recommended for the post of Dean of Salisbury, but before he was appointed the out-going Conservative Prime Minister Benjamin Disraeli offered him the position of Bishop of the newly-created Diocese of Liverpool. Ryle moved to Liverpool in 1880, and would stay until 1900. Despite his previous ministry experience having been almost exclusively exercised within a rural context, his plain speech and distinctive principles made him a favorite amongst Liverpool's largely working-class population. He proved an active bishop, encouraging the building of more churches and missions to reach out to the growing urban communities, and generally seeking to develop the new diocese as best he could. In common with many late Victorian bishops, Ryle was increasingly forced to deal with the tensions caused by the developing Anglo-Catholic wing of the Church of England. Of particular note is the so-called "Bell Cox Case" of 1885. Bell Cox was vicar of St. Margaret's, and a committed Ritualist. His Catholic practices soon came to the attention of several prominent evangelicals in the city, and one of them, James Hakes of the Liverpool Church Association, brought a private prosecution against Bell Cox under the Public Worship and Regulation Act of Despite Ryle's entreaties, Bell Cox refused to moderate his behavior, and thus the case proceeded to the Chancery Court of York, where Bell Cox was found guilty of contempt of court, and imprisoned for seventeen days. Ryle's behavior in particular was criticized for his failure to exercise his legal episcopal veto over the prosecution, and his apparent willingness to allow one of his clergy to be imprisoned over matters of worship. However, an examination of letters written by Ryle from the time suggest that Ryle was by no means a supporter of such practice, yet felt it wrong to come between the law and the defendant, particularly in the case of a private prosecution. In his speech to the Liverpool Diocesan conference the same year he openly declared the imprisonment of clergy over such matters as "barbarous", hardly a note of support. Ryle's tenure as bishop in general is remarkable for his efforts to build churches and mission halls to reach the rapidly expanding urban areas of Liverpool. Though subsequent biographers have criticised this policy, owing to figures which suggest a general decline in church attendance,[[ Link title]] it perhaps says most about Ryle's heart as an evangelist; a desire for all to hear and respond to the Gospel. Ryle served as Bishop until March 1900, where in his eighty-fourth year, a stroke and a general decline in health forced him to retire, despite his desire to die "in harness." He retired to Lowestoft, Suffolk, however passed away on 10th June 1900. He was interred in All Saint's, Childwall, next to his third wife, Henrietta. Bio. Taken from Theopedia

my wedding was supposed to be today

I made a life plan when I was ten years old (yeah, I know, crazy). It included all the normal things: graduate high school, go to college, travel the world. With regard to romance, though, I always assumed I would get married at 23, because “Why not?” and “Surely I’ll have met somebody by then.” So, in my late teens, I arbitrarily picked a date (today, April 22, 2017) as my likely wedding day because (a) it’s a few months before my 24th birthday and (b) I’ve always wanted a spring wedding. I added details about kids and jobs and travel along the way, but my plan has remained mostly unchanged. Pretty straightforward, right? Except the God I serve isn’t always a straightforward God. He is straightforward in what he wants from me: to act justly, love kindness, and to walk humbly with him (Micah 6:8), and to set nothing above him in my heart, mind, or soul (Deuteronomy 6:5). But what about beyond that? What about my wedding day? “I have had to learn to battle the temptations that creep into unwanted waiting and unwanted singleness.” Much to the woe of my control-desiring heart, he leaves much of it a surprise and mystery. To those who do not know him or trust him, the way he makes us wait may seem like stinginess or even evil. But in truth, he wants something better for us: for our trust and joy in him to flourish. As a planner, I must learn to live day-by-day by faith, not by sight, knowing that whatever he gives me is truly, deeply good for me (Romans 8:28). No matter how much his plans diverge from mine, no matter how much heartbreak those plans bring, no matter how far out of my comfort zone he pushes or pulls me, he is not only ultimately good, but his plans for me are also always better. Three Ways to Wait So, here on my “wedding day,” I’ve been single for several years now, including all of my five years as a Christian. I wasn’t asked out on a single date during college (and haven’t been since), so I have had to learn to battle the temptations that creep into unwanted waiting and unwanted singleness. Here are three lessons I have picked up in the fight. 1. Trust God to give you every good gift at the perfect time. While we wait, we will be tempted to doubt God’s love and ability. We are talking about the Lord who has built and leveled the nations throughout generations. He is the Lord who flooded the whole earth and held back the Red Sea long enough for his people to walk through on dry ground. Surely this great Lord of history can handle a small thing like the date of my wedding. And that’s what a wedding is: one day of millions of days. Not to say it isn’t important, but it also isn’t anywhere near ultimate. “My purity is not for me. My wedding is not for me. Marriage will not be for me. It is all for God.” Marriage is a gift. A gift isn’t earned or bargained for, and neither is a spouse. Pursuing maturity in Christ should be a consistent theme in any believer’s life, but never as currency to spend on something else. We pursue Christ not to “earn” a spouse, but in order to know Christ (Philippians 3:10). The gift isn’t given because the gift-receiver is fit enough, or tall enough, or smart enough. It is freely given because the gift-Giver is good. You cannot “earn” your way or “behave” your way to a spouse. God must give him or her to you in his own way, and at his time. 2. Make God the treasure and anchor of your life. While we wait, we will be tempted to envy others. There are many people getting married today that are not following the Lord and have (sometimes flagrantly) disobeyed him in the process. Regardless, if Jesus is our greatest treasure, we do not obey in order to gain a husband or a wife, and we do not groan under the perceived unfairness of unrepentant people getting married. My purity is not for me. My wedding is not for me. Marriage (if it happens for me) will not be for me. All these things are for the Lord and for his glory, not for me so that my life turns out “fairly.” Instead of praying for fairness in this life, we pray with Jesus, “Not my will, but yours, be done” (Luke 22:42). I pray that all couples getting married today would know my Lord and Savior, but many won’t. They will not have my anchor and firm foundation when life and marriage are hard (and they will be). What is there to envy? If single people lived so assured of God’s love that we were secure and satisfied in the absence of a spouse, perhaps the Lord would use us to witness to married men and women whose marriages have disappointed them or fallen apart. 3. Refuse to settle for someone who does not love Jesus. While we wait, we will be tempted to settle. We should not draw comfort from the assurance that God has someone for each of us to marry. He may not. Even if he doesn’t, or even if that person comes into our lives ten years late (by our schedule), that does not give us the right to rebel, disobey, or run away. None of us is entitled to marriage. I am not entitled to marriage. “Our romantic lives should look strange to the world, and so should our joy in singleness.” Our only constraint in seeking a spouse is to marry someone within the body of believers (2 Corinthians 6:14). It’s a simple guideline, and yet so easy to compromise. But if we’re to have marriages that glorify the eternal God at all, we cannot fall into the trap of setting aside faith, and basing our crushes and choices on temporal qualities like physical appearance or material wealth. I say “trap” because that’s what a spouse not centered on Christ will undoubtedly become. Recall what happened to Solomon, touted the wisest man in history: For when Solomon was old his wives turned away his heart after other gods, and his heart was not wholly true to the Lord his God, as was the heart of David his father. For Solomon went after Ashtoreth the goddess of the Sidonians, and after Milcom the abomination of the Ammonites. So Solomon did what was evil in the sight of the Lord and did not wholly follow the Lord, as David his father had done. (1 Kings 11:4–6) Heartbreakingly, this lust-following idol-worshiper is the same man who, in his youth, “loved the Lord, walking in the statutes of David his father” (1 Kings 3:3). The difference a few decades and poor choices in romance can make, right? A man to whom God gave wisdom, and whose future in loving and serving the Lord started out as promising as his father David’s, ends up unabashedly worshiping abominations — gods that cannot see or hear, let alone give wisdom or deserve worship. Many of those wives were probably pretty physically attractive (he was a king, after all), but they helped turn his heart into something ugly and steer his path away from the Lord. Rather than chafe at our only restriction in romance, followers of Christ should rejoice in the blessing of not being enslaved in the search for financial security or good looks or athletic ability. Our romantic lives should look strange to the world, and so should our joy in singleness. The Spirit empowers us to be countercultural lights pointing forward to our one true Bridegroom and our one true wedding day (Revelation 19:7).