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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.

William Wilberforce

William Wilberforce William Wilberforce was born in 1759 in Hull, East Yorkshire. He graduated from Cambridge University with the intention of following a political career, and became Member of Parliament (MP) for Hull in 1780, aged 21. Four years later he became MP for the whole of Yorkshire. It was at this time that he began to work for the abolition of the British trade in enslaved people. Wilberforce was a deeply spiritual man and later became an Evangelical Christian. He was a popular figure and was known to be charming and witty and a great public speaker. He campaigned for a number of causes: for legislation to improve the lives of the poor, education reform, prison reforms and ending child labour. He was also one of the founders of the Royal Society of the Prevention of Cruelty to Animals (RSPCA). A Committed Abolitionist With the backing of his friend William Pitt, who became Prime Minister, Wilberforce became leader of The Society for the Abolition of Slavery. The society campaigned for almost 20 years to bring an end to British involvement in the Transatlantic Slave Trade. The abolition campaign made them many enemies, especially among those who had made huge profits from the trade in enlsaved African people. Wilberforce left Hull in 1792 and moved to Clapham, London to be closer to his work in Westminster. Within the local community he found friends who shared his interests in religion and politics. They became known as the Clapham Sect and they actively supported the anti-slavery abolitionists. William Wilberforce, oil painting by Karl Anton Hickel, 1793 . Willima has a white scarf tied at his neck and wearing a dark blue coat with a folded collar. William Wilberforce by Karl Anton Hickel, 1793 Wilberforce married Barbara Spooner in 1797 and they had six children. Historical acounts show that he was a loving and devoted husband and father, and was proud that three of his sons became clergyman. The Slavery Abolition Bill Wilberforce attempted several times to bring private members' bills before Parliament to end Britain’s involvement in the slave trade, but the Bill was defeated many times. It was finally passed on 25 March, 1807. However, this only went as far as banning British people from engaging in the slave trade, it did not ban slavery itself. Wilberforce retired from politics in 1825 due to ill health, but he continued to campaign for the abolition of slavery. Finally, on 26 July 1833, as Wilberforce lay on his deathbed, he was told that the Slavery Abolition Bill, granting freedom to all enslaved people within the British Empire, had been passed by Parliament. He died three days later. As a mark of respect for his achievements, his body was buried in Westminster Abbey. Childhood and Education William Wilberforce was born on 24 August, 1759, at 25 High Street, Hull (which is now known as Wilberforce House) to Robert and Elizabeth Wilberforce. He had three sisters, Elizabeth, Ann and Sarah (known as Sally). Of the four children, only William and Sally survived to adulthood. The Wilberforce family were successful merchants, who traded in imported goods, like wood and cloth, from northern Europe and the Baltic states. The family home reflected the family's wealth and was decorated with fashionable architecture of the day. William was a small, sickly child with poor eyesight, but this did not stop him from attending Hull Grammar School or taking part in musical activities or sports. William was known to have a beautiful singing voice and had a reputation for telling funny stories and playing practical jokes. When William was only eight years old, his father died. William's mother then became ill and so she sent him to live with his aunt and uncle, Hannah and William Wilberforce, in London. They sent him to study at a small boarding school in Putney, which he disliked, complaining about the food. Hannah and William were Evangelical Methodists and they took William to church regularly, where he enjoyed listening to bible stories and sermons by prominent figures within the Methodist movement. William's mother worried about his exposure to such a strong religious influence and arranged for him to come home to Hull. William was sent to board at Pocklington Grammar School, where he studied hard and did well at Latin, English and History. Aged 17 he went to Cambridge University, where he met William Pitt the Younger, who became a lifelong friend. Wilberforce took full advantage of the social life on offer at university, and was well known for attending dinners, gambling, and playing cards. Despite his busy social life, Wilberforce managed to graduate from Cambridge in 1781, determined to have a career as a Member of Parliament. Religious Beliefs and Influences William Wilberforce became a deeply religious man who dedicated his life and his work to acting on his beliefs. He had many religious and political influences during his lifetime. His mother was staunchly Church of England. However, after the death of his father, William spent two years living with his aunt and uncle in London, who were keen Methodists. They took the young William to church regularly, where he heard important figures like George Whitefield preach. At that time, Methodism was known as a branch within the Church of England that was particularly concerned with social welfare. However, his mother became alarmed at his growing interest in evangelical Christianity, and she brought the young William home again. Wilberforce's second major religious influence was Isaac Milner, who was a young teacher when Wilberforce attended Hull Grammar School. They were to become lifelong friends and in 1784 they travelled together through Europe. During the months they spent together, Milner introduced William to his own religious beliefs and encouraged him to read an essay entitled 'The Rise and Progress of Religion in the Soul'. The whole experience had a profound affect on William and he returned home to England a changed man and devout Methodist. Another influence on William was John Newton, his Aunt Hannah’s half-brother who had previously been involved in the slave trade. Newton was one of the wealthiest men in Europe and a great humanitarian and philanthropist, and gave many gifts to the Evangelical church. Following William's tour of Europe with Milner, he met up with John Newton to discuss his new-found faith. William wrote in secret to Newton: Sir, there is no need of apology for intruding on you, when the errand is religion. I wish to have some serious conversation with you… the earlier the more agreeable to me. I have ten thousand doubts within myself, whether or not I should discover myself to you; but every argument against doing it has its foundation in pride. I am sure you will hold yourself bound to let no one living know of this application, or of my visit, till I release you for the obligation… P.S. Remember that I must be secret, and that the gallery of the House is now so universally attended, that the face of a member of Parliament is pretty well known. William stuck with his conversion to Methodism and wrote a best-selling book A Practical View of Christianity thirteen years later. Early Political Life and Influences After graduating from Cambridge University, William Wilberforce chose to follow a career in politics and stood as Independent candidate, in an election for Hull's Member of Parliament. He won by an overwhelming majority and was elected to represent the citizens of Hull, at the age of just 21. The young Wilberforce was a natural politician. Following the deaths of his father and his uncle he had inherited enough money to financially support his political career. He was also well liked among Hull's merchant families, who hoped that he would represent their business interests in parliament. Two of Wilberforce's most appealing qualities were his engaging personality and his eloquent speaking voice - useful traits for a politician. He was so famous for his public speaking that he was nicknamed the 'Nightingale of the Commons'. On taking up his seat in the House of Commons, Wilberforce met up with his university friend, William Pitt the Younger, who had also chosen a political career. Pitt and Wilberforce spent much time studying the more experienced Members of Parliament from the Commons gallery, and listening to heated political debates of the day. Pitt enjoyed a very sucessful political career, becoming Prime Minister and the new Tory party leader in 1783, aged just 24. Although not quite as ambitious as Pitt, Wilberforce took the decision to stand as candidate for Member of Parliament for Yorkshire. This was one of only two county seats and on winning it, Wilberforce became a more influential politician. Following his conversion to Methodism in 1785, Wilberforce considered leaving politics. Yet, Pitt and John Newton convinced him to persevere and use his political work as a way of serving God. Wilberforce saw the campaign to abolish the Transatlantic Slave Trade as a way of following his religious and humanitarian beliefs, as well as his moral conscience.

Christian Depression and the use of Medication

An acquaintance of mine, Becky, is a grandmother who cites her chief joy in life as “pleasing the Lord and walking faithfully with him.” She delves into Scripture daily, and for decades has shepherded others through Bible studies. Christ has claimed her heart, and daily stirs her mind. Yet seasons of guilt and uncertainty have punctuated Becky’s walk with her Lord, because while she remains steadfastly devoted to Christ, she also struggles with clinical depression. To maintain her clarity and focus on God’s word, she needs help from an antidepressant medication. As is often the case, depression runs in Becky’s family. When despair first gripped her in her twenties, Becky had already watched her mother slide through the deep darkness into a mental breakdown. She’d witnessed firsthand how depression can ravage a life, as well as the critical roles that medication and counseling can play in drawing sufferers back into the world again. But even these experiences didn’t banish Becky’s concerns about taking antidepressants herself. She wondered if she were right to take medication for an issue that seemed spiritual. Her guilt only deepened when someone in authority at church claimed, “It’s rare for someone to really need antidepressants, because usually things can be solved biblically.” “Hearing that from the pulpit sent me into the depths of guilt,” she relates. “I feel so guilty that I must take this medication that has kept me well for years.” A Troubling Subject The doubts swamping Becky trouble so many of us who suffer from depression. Some of us worry that reliance upon medications implies a paltry faith. Others confuse antidepressants with opioids, and fear addiction. In an opposing scenario, our pain-averse culture, which prioritizes comfort and instant gratification, can mislead us toward chemical prescriptions for normal, refining grief. Throughout, questions churn: Are antidepressants permissible? Or sufficient? Does our need for them reflect a deficit in faith? How do they factor into other means of grace with which God has blessed us, such as prayer, study of the word, and counseling? After a careful exploration of depression, its treatment, and how the Bible guides us in suffering, these questions should give way to discernment and gratitude. No medication can sponge away the blackness in our hearts. But in his steadfast love and mercy toward us, God has gifted us with medical science as a means of common kindness. In the right circumstances, when carefully combined with counseling and spiritual disciplines, antidepressants can ease some of us back into daylight. While we should never rely on medication exclusively, neither should we demonize those who use it as part of a comprehensive approach. More Than Sadness At this point in the discussion, we need to define terms. In the undulating course of life, seasons of grief, tears, and bleakness can trouble all of us. In most cases, these valleys have limits. We may sink low, but we retain our capacity to climb, and eventually we crest into the bright air again. Clinical depression, also called  major depressive disorder , falls outside these usual variations in emotion. The fact that depression increases the suicide rate by  27 times  that of the general population should alert us to something gone terribly awry. 1  In major depression, hopelessness, despair, and lack of motivation persist long after wounds have healed, for reasons even the victim can’t always pinpoint. Sufferers can’t control their descent into darkness, nor can they wrench themselves from its clutches by sheer will, because the social, spiritual, and practical factors we can easily see interact with changes deep in the brain, hidden from view. The ramifications are not only spiritual, but also physical (see the table below), 2  hampering engagement in even the most basic stuff of living. Laughter, conversation, and interaction feel impossible, even with those we love. 3  Routine self-care overwhelms, and some of us find ourselves bed-bound, too bereft of joy to drag ourselves into the world. In many ways, living through depression resembles dying. It’s crucial to distinguish this affliction from appropriate sadness or grief, because God works through our suffering to refine us (Genesis 50:20; Jonah 2; Romans 5:2–5). We should never seek chemical means to buttress ourselves through the  typical  peaks and valleys of our emotions. Not only can melancholy and anguish be worthy responses to the travails of a sinful world, but God also disciplines us, shapes us, and draws us closer to himself through our ordeals. Even Jesus wept in the face of loss (John 11:34–36). Depression, however, isn’t typical grief. It can persist even when our days unfold free from catastrophe. It’s a complex beast, whose sufferers desperately need prayer, Christian love, and professional help. A Complicated Problem Too few sufferers of major depression actually receive the help they need. Guilt — which is a  feature  of the disorder (see the table) — and stigma discourage many with depression from seeking assistance. 4  In a survey of 5.4 million adults in the US reporting an unmet need for mental-health services, 8.2% did not seek mental-health treatment because they did not want others to find out, 9.5% because “it might cause neighbors/community to have a negative opinion,” and 9.6% due to concerns about confidentiality. Some 28% believed that they could handle the problem without treatment, and 22.8% did not know where to go to receive treatment. 5  Such statistics reveal that the road to healing slouches uphill. Many tread it alone. Yet even those who seek help embark upon a tortuous path, without easy remedies. We have no quick-fix cures for depression, because the neurobiological underpinnings that fuel our despondency are much more elaborate than a simple chemical imbalance. Regions of the brain responsible for memory and executive function shrink in depression, as do the pathways connecting these areas to sites controlling mood, fear, and drives. 6  Brain cell loss is accelerated among the depressed. 7  The actions of chemical signals between nerve cells are disrupted, especially serotonin, a neurotransmitter that helps regulate mood, sleep, appetite, and pain. 8  While we don’t know in all cases whether these changes  cause  depression or arise as a  result  of the disorder, they hint at why sufferers struggle to recover. In depression, the architecture of our own brains traps us in the dark. And yet, while neurological changes abound in depression, even biology doesn’t tell the entire story. While some individuals are genetically prone to major depression, 9  a first episode requires the intermingling of this risk with social, psychological, and spiritual triggers. Medical illnesses contribute in up to 15% of cases, and depression increases the risk of a future heart attack by two to threefold among people with heart disease. 10  People with seasonal affective disorder, who struggle with depression during the winter months, respond well to bright-light therapy, while others without this temporal pattern don’t. Some sufferers struggle with anxiety in depression, others with melancholy, and still others with catatonia or psychosis. This variability hints that the current diagnosis we call  major depression  is probably an umbrella term, a catchall phrase encompassing multiple related syndromes with similar effects, but distinct causative mechanisms. This diversity in depression creates treatment challenges, as one person’s struggle doesn’t resemble another’s. Promising research suggests that MRI scans of the brain may differentiate between depressive subtypes and allow for more precise, targeted treatments. 11  But this research is preliminary. In the meantime, depression continues to wreak havoc upon its victims, earning the eleventh spot on the World Health Organization’s list of conditions causing the greatest disability and mortality. 12  Treatment of such a highly convoluted, variable, and debilitating disorder doesn’t proceed simply. Imperfect Options The two mainstays of treatment for clinical depression are antidepressant medications and psychotherapy or counseling. While both these avenues can provide life-giving support, neither offers a quick fix. And while both play vital roles in recovery, neither diminishes the importance of spiritual disciplines as we strive to reclaim our joy. Most antidepressants work by increasing the concentration of serotonin in the brain. Given strong evidence for reduced serotonin transmission in depression, for decades we hoped that replenishing serotonin would reverse the disorder. Given what we now know about brain structure and circuitry in depression, it’s no surprise that antidepressants produce modest effects. Although these medications can promote crucial  improvements  in symptoms, when used alone they facilitate  full remission  in only about 50% of cases. 13  While this effect can be life-giving for half of sufferers, it’s disappointing for a class of medications we hoped would definitively treat the illness. (Imagine our predicament if insulin reduced blood sugar in only half of diabetics, or if antibiotics eradicated the most common bacterial infections only half the time.) Research also reveals only a small benefit of antidepressant therapy over a placebo pill. Just meeting with a health care provider to receive a placebo constitutes personal connection and care, and ameliorates symptoms in up to 35% of cases. 14 Such research, coupled with criticism that studies supporting antidepressants often suffer from publication bias, has sparked debate about whether antidepressants work at all. Last year, a research group attempted to put the issue to rest by conducting a large meta-analysis of FDA data on antidepressants, and found that all twenty-one agents studied were more effective than placebo. The study garnered significant media attention, with exuberant headlines proclaiming, “The Debate Is Over!” But the data warrant a more restrained response. We can confidently glean from the review that antidepressants can  lessen  symptoms of depression after eight weeks of therapy. That’s good news for those clambering in the gloom, for whom even a minor improvement can provide stability to engage with the world. But it still doesn’t mean antidepressants have earned a reputation as a miracle cure. 15 Taken in total, research on antidepressants supports their use as  one component  of a comprehensive approach. Antidepressants are often  necessary  to equip us for the hard work of recovery, but they are not typically  sufficient . While antidepressants can lift our darkened mood, full recovery also requires attention to elements that pharmacology cannot penetrate: our social support, our patterns of thinking, our habits and histories, and especially our walk with Christ. While antidepressants improve serotonin signaling, psychotherapy and counseling can help us navigate the social and cognitive barriers to recovery. And a rich life of prayer and Bible intake, with support from the body of Christ, is essential to usher us through the storm. Non-Pharmacological Support The term  psychotherapy  often scares Christians, as they automatically associate it with the atheist Sigmund Freud. The term, however, refers to multiple approaches in clinical psychology, many quite different from Freudian psychodynamics. According to the medical literature, cognitive-behavioral therapy and interpersonal therapy are most effective in depression, but other methods also garner favor. 16 Psychotherapy and counseling can be crucial to keeping depression at bay. Studies show that antidepressants and psychotherapy have similar efficacy in treating acute depression, but after treatment  ends , those who discontinue antidepressants commonly relapse. 17  By contrast, the benefits of psychotherapy persist long after treatment stops. Dr. Karen Mason, associate professor of counseling and psychology at Gordon-Conwell Theological Seminary, has witnessed this phenomenon firsthand. “There’s a biological vulnerability that antidepressants address, but people are also dealing with social and behavioral issues that reinforce their depression,” she relates in personal correspondence. “You might be on antidepressants alone for six months, and they help, but as soon as you stop them you become depressed again because patterns of thinking are still there.” In Dr. Mason’s experience, spiritual support can also be crucial to recovery. “People struggle through the lens of their faith,” she remarks. “In depression, usually the person has a low sense of self-worth, and faith can influence this.” For the believer, our value in Christ, and as God’s image-bearers, helps us sift past the shadows and cling to life. Whether we enroll in psychotherapy or use an antidepressant, our identity in Christ, and what God has done for us through the cross, remain central. A Multifaceted Approach For those of us with mild cases of major depression (as determined by a professional using validated instruments), it’s reasonable to begin with a trial of therapy or counseling alone, and to consider an antidepressant after several months if there’s no improvement. But those with severe cases are at high risk for suicide. In such harrowing circumstances, the precaution of an antidepressant in addition to counseling can be lifesaving. Indeed, given the benefits of psychotherapy and antidepressants together, the American Psychiatric Association (APA) recommends combination therapy in moderate to severe cases of major depression. 18 The APA further recommends that sufferers who improve with antidepressants continue these medications for four to nine months after a first episode, as the risk of recurrence is high before this period. For those who have endured three or more major depressive episodes, the APA recommends continuing an antidepressant  for life . Such recommendations can unnerve us. We might worry about addiction, and question the strength of our faith. We read headlines announcing that primary care physicians now prescribe 40% of antidepressants, often without documenting a psychiatric diagnosis, and we wonder if we’re aiding an epidemic of self-medication to numb the ordinary ripples of life. 19 Before we chastise one another, consider that while half of people recover from a first episode of depression without further issues, after three episodes the risk of recurrence approaches 100%. 20  In chronic and recurrent depression, maintenance antidepressants don’t imply addiction, but rather a vital precaution to safeguard against future episodes. Addictive drugs produce euphoria, sedation, or other states that veer from reality and dishonor God (1 Corinthians 6:19–20). Our craving for such substances never abates as long as we continue taking them. Few people, by contrast, covet antidepressants. About 60% of people who take an antidepressant complain of uncomfortable side effects, including diarrhea, nausea, vomiting, insomnia, drowsiness, weight gain, sexual dysfunction, and anxiety. 21  Given these unpleasant effects, the dropout rate for antidepressant therapy is high, with many stopping the medications before their depressive symptoms resolve. 22  Addiction isn’t even an appropriate consideration. When used wisely in severe depression, antidepressants don’t offer an escape from suffering, but rather equip us to contend with it. When used with discernment, these medications can root us in reality, and help us to focus with clarity on our risen Lord. Becky, who shared her experiences at the start of this article, emphasizes their role with this point: “This issue has kept a short tether between the Lord and me as I seek him and stay in his word — I know I must!” Depression and Christian Suffering Even when we grasp that major depression isn’t normal sadness, we can still struggle with misconceptions that depression is somehow “un-Christian.” “How can a believer like me struggle with depression when I have the gospel?” one sufferer asked me. Another admitted, “I feel like there must be something wrong with me and my alleged ‘faith.’ I end up chastising myself for not having the kind of faith that would lead me out of this depression.” Such comments echo those of Dr. Beverly Yahnke, executive director of The Lutheran Center for Spiritual Care and Counsel: Far too many well-intentioned Christians are imbued with the conviction that strong people of faith simply don’t become depressed. Some have come to believe that by virtue of one’s baptism, one ought to be insulated from perils of mind and mood. Others whisper unkindly that those who cast their cares upon the Lord simply wouldn’t fall prey to a disease that leaves its victims emotionally desolate, despairing and regarding suicide as a refuge and comfort — a certain means to stopping relentless pain. 23 An assumption common to such doubts is that gospel hope should guard us against maladies of the mind. But such assertions lack both empathy and biblical grounding. Christ has triumphed over death (1 Corinthians 15:55; 2 Timothy 1:10), and when he returns, all its wretched manifestations will wash away (Isaiah 25:7–8; Revelation 21:4). But for  now , we still live in the wake of the fall. We must never mistake the Christian life for a prance through a garden path. Jesus warns that persecution will follow us into the world that has rejected him (Matthew 16:24–25; John 1:10–11; 15:20). All creation groans (Romans 8:22–28). Sin still seethes across the globe, stirring up calamity, infiltrating the synapses in our brains to tangle our thoughts and feelings. Our Savior himself was a man of sorrows, acquainted with grief (Isaiah 53:3), even though he shared perfect communion with the Father. While sin stains the world, even those most devoted to Christ can sink into despondency. The gospel doesn’t promise us freedom from pain, but an abundantly more precious gift: the assurance of God’s love, which  prevails  over sin and  buoys  us through the tempests. Christ offers us hope that transcends the crooked wantonness of this broken world. Suffering can bear down on us. Depression can crush even the most faithful among us. But in Christ, nothing can separate us from God’s love (Romans 8:38–39). The Source of Our Hope Christians should feel empowered to consider medical treatments — whether antidepressants or otherwise — as blessings, given by God as evidence of his mercy. We clearly see from Jesus’s ministry that healing displays the Father’s love for us (Mark 1:40–41; 3:1–5; Matthew 8:1–3; John 9:1–7). Prophets and apostles also mention physical means of healing as instruments to nurture the hurting (Isaiah 38:21; 1 Timothy 5:23). Perhaps the best example is the parable of the good Samaritan, when the passerby stops to tend to an injured man’s wounds with bandages, oil, and wine (Luke 10:25–37). Such passages should chase away our guilt if we require antidepressant medications as part of a multifaceted, prayerful approach to depression. And yet, while we partake of these ordinary means of grace, they cannot offer us the renewal we find in Christ. We quench our parched souls only from the living water that springs from the gospel. We’re right to accept medical advances for what they are — blessings from God, gifts to help us heal and prosper. While we seek treatment, however, we must still turn our eyes toward God (2 Chronicles 16:12). The need for a heavenward gaze does not limit itself to depression, but to any ailment of mind, body, or soul. As Christians we cleave to a hope that far exceeds any protocol or prescription. Whether we use medications or not, a vital response when we sink into despair is to pray and to meditate as best as our clouded minds permit on his living and active word (Philippians 4:6; James 1:5; Hebrews 4:12). When we kneel before our Lord in humility and supplication, and with palms open lift our burdens to him, he draws us near (Psalm 34:18), even as we struggle through the avenues of medications and counseling. In the coming age, our Savior will chase away the specters that loom over creation (Revelation 21:4). In the meantime, we take comfort that he too has walked in darkness. He too has endured deep suffering, not from brain circuitry gone awry, but willingly, for our sake, out of abundant love for us (John 3:16). And to that truth we cling, even when the shadows descend, even as we labor through medications and therapy, and breathlessly scramble for the light.

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