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"Start Late, Finish Rich" by David Bach is a financial guidebook aimed at individuals who have not focused on their financial futures and are worried about retirement. The book provides practical advice on how to catch up on retirement savings, eliminate debt, invest wisely, and create a plan for achieving financial security. Bach emphasizes the importance of taking small, consistent steps to build wealth over time, even if you are starting later in life.

Xi Shengmo

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 Xi’s 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, “Go back! Go back!” 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 missionary’s house in Pingyang, accompanied by his brother-in-law. Later Xi described the meeting: As daylight banished darkness, so did Mr. Hill’s 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: ‘If a man’s heart is not right, his eye will certainly bespeak it.’ That face told me I was in the presence of a true, good man. Xi became Hill’s assistant in writing literary tracts and translating the New Testament. Within two months, he became a Christian and accepted Hill’s 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, depression—-all attacked his enfeebled frame. When the struggle was most critical, the addict cried out, “Though I die, I never will touch opium again.” Through prayer “without ceasing” 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 “conqueror of demons.” 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 Xi’s 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 Xi’s 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 “usual” for him—- and which he considered to be from God—-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 missionaries—-the seven CIM missionaries known as the Cambridge Seven, CIM single women, and CIM missionaries from Scandinavia—-worked under Xi’s direction. This reflected Taylor’s conviction that Western missionaries were merely the “scaffolding” 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, “Pilgrims and Strangers: The China Inland Mission in Britain, Canada, the United States and China 1865-1990” (Ph. D. diss., York University, North York, Ontario, 1996). Broomhall, A. J., Assault on the Nine, Book 6: of Hudson Taylor and China’s 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.

Dressed in His Righteousness Alone

I’ll never forget meeting up with a mentor of mine at Starbucks shortly after becoming a Christian. We regularly met there to read and study the Bible. One day, a person walked by and was elated to find Christians. But during our conversation, my mentor began asking some pretty forthright questions, and I couldn’t quite understand why. “Do you believe that a person is justified by faith alone?” he said. The stranger hesitantly responded, “No, I believe that a person is justified by faith and works.” My mentor graciously but strongly insisted, “Then you don’t have a biblical view of justification.” A lot of back-and-forths followed, but because I was a recent convert, I found it immensely difficult to understand what was going on. I barely understood what the term justification meant! Eventually, I discovered the importance of this vital doctrine. Martin Luther and other Reformers considered the doctrine of justification by faith alone the article on which the church stands or falls. It is at the core of the gospel, and the church needs to embrace it as such. What Is Justification? So then, what is justification? This is a crucial starting point. How one defines justification will determine not only how one thinks and believes but also how one lives. Roman Catholic dogma, for example, defines justification as synonymous with sanctification,1 and the result is detrimental. One’s standing on the final day is determined by the growth of Christ’s righteousness, which is imparted to a person through baptism and increases through participation in the sacraments.2 In a word, justification is essentially a clean slate that one needs to maintain to enjoy a favorable verdict at the final judgment. Diametrically opposed stands the Reformed understanding of justification, which is carefully, succinctly, and biblically defined in the answer to question 33 of the Westminster Shorter Catechism: Justification is an act of God’s free grace, wherein he pardons all our sins, and accepts us as righteous in his sight, only for the righteousness of Christ imputed to us, and received by faith alone.3 Notice that justification is an act, not a work or process.4 It is not a hopeful destination. It is God’s gracious, once-for-all verdict — his declaration of a person to be righteous in Christ, and therefore fully accepted by God. The Greek words for justification and righteousness, along with their cognates,5 belong to the legal sphere.6 Consider, for example, Romans 8:31–34: What then shall we say to these things? If God is for us, who can be against us? He who did not spare his own Son but gave him up for us all, how will he not also with him graciously give us all things? Who shall bring any charge against God’s elect? It is God who justifies [Greek ho dikaiƍn]. Who is to condemn? Justification language belongs to the courtroom; it is forensic. Accusations are met with God’s justifying verdict spoken over his elect (see also Romans 5:16–19) — a spoken word that melts the hardened hearts of sinners. Whose Righteousness? God, the holy, just, and perfect Judge, finds sinners not guilty and declares them righteous. How? On the basis of the person and work of Jesus Christ — by forgiving our sins on account of the substitutionary death of Christ in our place (Romans 3:21–26) and imputing or reckoning Christ’s righteousness to us (Romans 4:1–9; Philippians 3:9; 2 Corinthians 5:21). What is this righteousness? His perfect obedience to God, rendered in his life and death, often referred to as the active and passive obedience of Christ. He perfectly fulfilled the law (Galatians 4:4–5; Romans 8:1–4) and also died under the curse of the law (Galatians 3:13), in love for his people (Galatians 2:20). Nevertheless, death could not keep its prey, and so Christ tore the bars away and arose a victor from the dark domain.7 Jesus’s resurrection was not only proof that his sacrifice satisfied God’s wrath; it was also his own justification or public vindication (1 Timothy 3:16; cf. Romans 4:25). On Resurrection Sunday, God declared the verdict of righteous over his Son, and through union with him, we too receive that unchangeable righteous standing (2 Corinthians 5:21). How Do We Receive It? What is necessary to receive this righteous standing? Faith, works, or a combination of both? The answer is faith alone. Paul makes this clear in Galatians 2:16: “We know that a person is not justified by works of the law but through faith in Jesus Christ, so we also have believed in Christ Jesus, in order to be justified by faith in Christ and not by works of the law, because by works of the law no one will be justified.” Justification is not a both-and matter. It’s either by faith or by works. Paul fleshes this out in Romans 10:3–4. He speaks of his Jewish kinsmen as those who are “ignorant of the righteousness of God,” are “seeking to establish their own [righteousness],” and thereby do “not submit to God’s righteousness.” Then he provides this explanation: “For Christ is the end of the law for righteousness to everyone who believes.” We submit to Christ’s righteousness by faith. Just breaths later, in Romans 10:9–10, Paul writes, “If you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For with the heart one believes and is justified, and with the mouth one confesses and is saved.” No wonder Paul, in the very next chapter, helpfully explains that “if it is by grace [that we are chosen, saved, and presumably justified (see Romans 10:10)], it is no longer on the basis of works; otherwise grace would no longer be grace” (Romans 11:6). “Justification is not a both-and matter. It’s either by faith or by works.” A biblically Reformed understanding of justification by faith alone is indeed comforting to the sinner. “How can I be righteous before a holy God?” is an appropriate question to ask for those outside of Christ. The only acceptable answer is found in Christ. He is the basis of our justification, and he can be received only by the empty hands of faith. And this doctrine is at the core of the gospel. More to the Gospel than Justification? In loving and declaring the doctrine of justification by faith alone, some can begin to think that justification is the gospel. But that is not true. Simply saying, “Jesus died for my sins so that I can receive Christ’s righteousness” does not capture the entire gospel.8 Paul doesn’t stop there when he lays out the gospel in 1 Corinthians 15:1–4. Jesus also was buried and rose from the dead. In fact, the resurrection of Christ plays a crucial role in our justification (as we’ve seen in Romans 4:25; see also Romans 1:3–4; 1 Corinthians 15:20–23, 42–49; 1 Timothy 3:16).9 The gospel also includes Jesus’s ascension, enthronement as Lord, and outpouring of the Holy Spirit (Romans 1:3–4; Acts 1:11; 2:1–21; 2:32–33). We therefore should not say that justification is the gospel. And yet, neither should we welcome the persistent emphasis of those who downplay justification, whether by minimizing it to a “subsidiary crater” in Paul’s theology10 or, even more drastically, by insisting that “our justification by faith is not part of the gospel.”11 In the end, justification is not the gospel, but it is undeniably at its center.12 If you exclude justification from the gospel, then the gospel ceases to be “good news.” Solely by Faith? The Reformed tradition has consistently promoted a threefold definition of faith: (1) knowledge of the content of the gospel that we believe (Latin notitia), (2) intellectual assent to the gospel of Christ (assensus), and (3) trust in the person and work of Christ on our behalf (fiducia). Recently some have taken aim at the third part of that definition (trust).13 They argue that faith is not primarily “interior” or “emotional” but “exterior” and “embodied.” In other words, faith is active rather than passive, and it should be seen rather than felt. So they prefer slogans such as “justification by allegiance alone,” since allegiance underscores the active nature of faith. Those who argue for this definition of faith make a major mistake. Since they redefine faith as a more active response, they argue that Paul’s either-or of justification is actually a both-and — both faith and works. To be clear here, they do not think a person can be justified by works that stem from self-righteous efforts. They believe Romans 3:20, that “by works of the law no human being will be justified in his sight.” However, they underline the phrase “works of the law” and say, “Paul was not against Spirit-wrought good works contributing to a person’s justification.” “Christ is the basis of our justification, and he can be received only by the empty hands of faith.” At this point, you may be feeling the way I did in the conversation at Starbucks, not really understanding the fine distinctions. But this is significant. To say that Paul wasn’t against good works with respect to justification, you have to make a drastic move theologically. You have to reject the distinction between justification and sanctification. What do I mean by that? Put simply, justification and sanctification are inseparable yet distinct, like the heat and light of a fire.14 You cannot have one without the other; at the same time, you can distinguish one from the other.15 Good works, as Paul commends them, are done in our sanctification, but they cannot contribute to our justification. If they do, justification is no longer by faith alone. Is Christ’s Righteousness Imputed? After the conversation with the stranger at Starbucks, I asked my mentor, “What does imputation mean?” The word was thrown around during our discussion but never really defined. Imputation means that the righteousness of Christ — his active and passive obedience — is counted or reckoned to believers. Christ’s righteousness is imputed, counted, reckoned to you when you are united to Christ by faith (1 Corinthians 1:30; 6:11; 2 Corinthians 5:21; Philippians 3:9). As Calvin said, “We do not . . . contemplate [Christ] outside ourselves from afar in order that this righteousness may be imputed to us but because we put on Christ and are engrafted into his body — in short, because he deigns to make us one with him. For this reason, we glory that we have fellowship of righteousness with him.”16 When we talk about receiving righteousness, union with Christ is essential. Imputed righteousness is distinct from infused righteousness. In the Roman Catholic view, Christ merited righteousness for us, and that righteousness is then infused into believers at baptism. It’s as if Christ’s seed of righteousness should be planted into your heart. It becomes your own. And it is up to you, in dependence on the Spirit and the sacraments, to water it and grow in personal righteousness. By contrast, the imputation view intentionally uses the words count or reckon, as Scripture does (Romans 4:1–8; 5:12–19; Galatians 3:6).17 In justification, Christ’s righteousness does not become ours as some sort of personal possession. It is counted or reckoned as ours. Why? Because we do not perform the acts of justifying righteousness. Christ, as our substitute, lived the perfect life we couldn’t and died the death we deserved. The righteousness of Christ must therefore primarily and exclusively belong to him.18 It is therefore an alien righteousness — it comes from outside of us. And it is graciously imputed, counted, or reckoned to those who have no inherent righteousness whatsoever (Romans 3:9, 23; Ephesians 2:1–3). We are indeed “dressed in his righteousness alone, faultless to stand before the throne.”19 For nothing else avails before God. Jesus Receives Sinners Listening to the conversation my mentor had with that fellow at Starbucks was intimidating and a bit over my head. I heard many terms and distinctions that didn’t seem, at the time, to make much of a difference in the Christian life. But the more questions I asked, the more I learned that the doctrine of justification by faith alone is not only theologically essential but thoroughly practical. Just think of Christians who question their salvation as they struggle with sin. In those times, they easily can turn inward. “Have I done enough to please God?” “Perhaps if I serve more at church, he will accept me.” “I need to stop sinning in order to be accepted by him.” They may never say these words out loud. After all, they wouldn’t want anyone to think they were weak in faith — or even worse, an unbeliever. But their knee-jerk reaction to turn inward reveals a deeper underlying issue. They need to turn outward toward the objective realities of the gospel. They need to trust in Christ Jesus, their righteousness (1 Corinthians 1:30). They need to rest — not only in mind and mouth, but in heart and life — in the “word of surest consolation; word all sorrow to relieve, word of pardon, peace, salvation! . . . ‘Jesus sinners doth receive.’”20 Catechism of the Catholic Church: “Justification is not only the remission of sins, but also the sanctification and renewal of the interior man” (1989); “The Holy Spirit is the master of the interior life. By giving birth to the ‘inner man,’ justification entails the sanctification of his whole being” (1995). ↩ See the Council of Trent, “Decree Concerning Justification,” §7. ↩ I have slightly updated the language to make the answer easier to read. ↩ The Westminster divines reserved that language for sanctification: “Sanctification is the work of God’s free grace, whereby we are renewed in the whole man after the image of God, and are enabled more and more to die unto sin, and live unto righteousness” (Westminster Shorter Catechism 35). ↩ See the words dikaioƍ, “I justify”; dikaiƍsunē, “righteousness”; dikaios, “just, right”; dikaiƍsis, “justification, vindication, aquittal”; and dikaiƍma, “righteous requirement.” ↩ As recently argued by James B. Prothro, Both Judge and Justifier: Biblical Legal Language and the Act of Justifying in Paul, WUNT 2.461 (TĂŒbingen: Mohr Siebeck, 2018), though for a criticism of other statements he makes, see my forthcoming review of his book in the Westminster Theological Journal. ↩ Trinity Hymnal #206, “Low in the Grave He Lay — Christ Arose.” ↩ That is one reason, after all, why the church disciples new believers: to increase their understanding of the gospel of Christ. ↩ See also Richard Gaffin, Resurrection and Redemption: A Study in Paul’s Soteriology (Phillipsburg, NJ: P&R, 1987). ↩ Albert Schweitzer, The Mysticism of Paul the Apostle (Baltimore, MD: Johns Hopkins University Press, 1998), 225. ↩ Matthew W. Bates, Gospel Allegiance: What Faith in Jesus Misses for Salvation in Christ (Grand Rapids, MI: Brazos Press, 2019), 37. See also Salvation by Allegiance Alone: Rethinking Faith, Works, and the Gospel of Jesus the King (Grand Rapids, MI: Baker Academic, 2017). ↩ I am currently in the process of writing a review article of Matthew Bates’s work in the Westminster Theological Journal, which will contain more in-depth critical interaction with his arguments. ↩ See Bates, Salvation by Allegiance Alone, 92. He qualifies this in Gospel Allegiance, 64: “I’m not arguing that faith simply means allegiance without remainder. Nor am I denying that pistis primarily means ‘faith/faithfulness’ or ‘trust/trustworthiness.’” But then he adds a telling caveat: “Trust in or faithfulness toward a leader that endures through trials over the course of time is probably best termed ‘loyalty’ or ‘allegiance.’” ↩ John Calvin make this comparison in Institutes 3.11.6. ↩ I find it telling that Matthew Bates denies the categorical distinction between justification and sanctification because it cannot be found in Scripture (Allegiance, 185–86), and yet, after reading Scripture and laying out his view, he promotes a strikingly similar distinction (see 127, 191–92, 196, and 206). Both justification and sanctification occur in union with Christ (1 Corinthians 1:30; 6:11). But at the same time, you can distinguish one from the other throughout Scripture “by good and necessary consequence” (Westminster Confession of Faith 1.6). See also the Westminster Larger Catechism 77 for a very helpful analysis of the inseparable yet distinct nature of justification and sanctification. ↩ Institutes 3.2.10; my italics. ↩ For helpful works on imputation and criticisms raised against it, see Brian Vickers, Jesus’ Blood and Righteousness: Paul’s Theology of Imputation (Wheaton, IL: Crossway, 2006); John Piper, Counted Righteous in Christ: Should We Abandon the Imputation of Christ’s Righteousness? (Wheaton, IL: Crossway, 2002); Ben C. Dunson, “Do Bible Words Have Bible Meaning? Distinguishing between Imputation as Word and Doctrine,” WTJ 75 (2013): 239–60; Thomas Schreiner, Faith Alone: The Doctrine of Justification (Grand Rapids: Zondervan, 2015). ↩ James Buchanan, The Doctrine of Justification: An Outline of Its History in the Church; and of Its Exposition from Scripture (Edinburgh: T&T Clark, 1867), 326. ↩ Trinity Hymnal #459, “My Hope is Built on Nothing Less.” ↩ Trinity Hymnal #394, “Jesus Sinners Doth Receive.” ↩ Article by David Briones Professor, Westminster Theological Seminary

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