Others like start late, finish rich Features >>
The Wealth And Poverty Of Nations - Why Some Are So Rich And Some So Poor
God's Master Key To Prosperity
The 10 Pillars Of Wealth: Mind-Sets Of The World's Richest People
The Legacy Journey
Money Won't Make You Rich (God's Principles For True Wealth, Prosperity, And Success)
The Covenant Of Wealth
The Money Answer Book
Total Life Prosperity
Secrets Of The Richest Man Who Ever Lived
Overcoming The Spirit Of Poverty
About the Book
"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.
Fanny Crosby
"Oh, what a happy soul I am, / although I cannot see! / I am resolved that in this world / Contented I will be."
Francis Jane Crosby wrote more than 9,000 hymns, some of which are among the most popular in every Christian denomination. She wrote so many that she was forced to use pen names lest the hymnals be filled with her name above all others. And, for most people, the most remarkable thing about her was that she had done so in spite of her blindness.
"I think it is a great pity that the Master did not give you sight when he showered so many other gifts upon you," remarked one well-meaning preacher.
Fanny Crosby responded at once, as she had heard such comments before. "Do you know that if at birth I had been able to make one petition, it would have been that I was born blind?" said the poet, who had been able to see only for her first six weeks of life. "Because when I get to heaven, the first face that shall ever gladden my sight will be that of my Savior."
Blinded by a quack
Born in Putnam County, New York, Crosby became ill within two months. Unfortunately, the family doctor was away, and another man—pretending to be a certified doctor—treated her by prescribing hot mustard poultices to be applied to her eyes. Her illness eventually relented, but the treatment left her blind. When the doctor was revealed to be a quack, he disappeared. A few months later, Crosby's father died. Her mother was forced to find work as a maid to support the family, and Fanny was mostly raised by her Christian grandmother.
Her love of poetry began early—her first verse, written at age 8, echoed her lifelong refusal to feel sorry for herself:
Oh, what a happy soul I am,
although I cannot see!
I am resolved that in this world
Contented I will be.
How many blessings I enjoy
That other people don't,
To weep and sigh because I'm blind
I cannot, and I won't!
While she enjoyed her poetry, she zealously memorized the Bible. Memorizing five chapters a week, even as a child she could recite the Pentateuch, the Gospels, Proverbs, the Song of Solomon, and many psalms chapter and verse.
Her mother's hard work paid off. Shortly before her fifteenth birthday, Crosby was sent to the recently founded New York Institute for the Blind, which would be her home for 23 years: 12 as a student, 11 as a teacher. She initially indulged in her own poetry and was called upon to pen verses for various occasions. In time the principal asked her to avoid such "distractions" in favor of her general instruction. "We have no right to be vain in the presence of the Owner and Creator of all things," he said.
It was the work of a traveling phrenologist (one who studies the shape and irregularities of the skull for insights into character and mental capacity) that changed the school's mind and again ignited her passion. Though his study is now the ridicule of science, the phrenologist's words were to prove prophetic: "Here is a poetess. Give her every possible encouragement. Read the best books to her and teach her the finest that is in poetry. You will hear from this young lady some day."
Poetry for presidents
It didn't take long. By age 23 Crosby was addressing Congress and making friendships with presidents. In fact, she knew all the chief executives of her lifetime, especially Grover Cleveland, who served as secretary for the Institute for the Blind before his election.
Another member of the institute, former pupil Alexander van Alstine, married Crosby in 1858. Considered one of New York's best organists, he wrote the music to many of Crosby's hymns. Crosby herself put music to only a few of hers, though she played harp, piano, guitar, and other instruments. More often, musicians came to her for lyrics. For example, one day musician William Doane dropped by her home for a surprise visit, begging her to put some words to a tune he had recently written and which he was to perform at an upcoming Sunday School convention. The only problem was that his train to the convention was leaving in 35 minutes. He sat at the piano and played the tune.
"Your music says, 'Safe in the Arms of Jesus,'" Crosby said, scribbling out the hymn's words immediately. "Read it on the train and hurry. You don't want to be late!" The hymn became one of Crosby's most famous.
Though she was under contract to submit three hymns a week to her publisher and often wrote six or seven a day (for a dollar or two each), many became incredibly popular. When Dwight Moody and Ira Sankey began to use them in their crusades, they received even more attention. Among them are "Blessed Assurance," "All the Way My Savior Leads Me," "To God Be the Glory," "Pass Me Not, O Gentle Savior," "Safe in the Arms of Jesus," "Rescue the Perishing," and "Jesus Keep Me Near the Cross."
She could write very complex hymns and compose music with a more classical structure (she could even improvise it), but she preferred to write simple, sentimental verses that could be used for evangelism. She continued to write her poetry up to her death, a month shy of her ninety-fifth birthday. "You will reach the river brink, some sweet day, bye and bye," was her last stanza.
Did We Kiss Purity Goodbye
Not long ago, purity was something all Christians seemed to admire, and want, without qualification. Now, many professing believers associate the pursuit of personal purity with the scandal of “purity culture.” Christian pleas for purity, some claim, have spread fear, guilt, and shame instead. I encountered these concerns again as I researched and published a fresh plea for sexual purity. Some reformation was warranted. In some circles, the concerted effort for sexual purity in the nineties was a desperate effort to stem the tide of teenage pregnancy, AIDS and other sexually transmitted diseases, and abortion. In the eyes of many, sexual sin and temptation were the hordes outside the gate, and we needed extraordinary measures to hold them back. So they held rallies, published books, printed cards, and fashioned rings. And also (in the eyes of some, anyway) mass-produced shame, even as untold numbers made admirable resolves and were spared great miseries. Some, it seems, came away thinking of purity mainly as a means to marriage, to health, to earthly happiness, even to salvation, and not mainly as fruit of knowing and enjoying Jesus. Purity was not the final solution to AIDS, pornography, or teenage pregnancy; worship was. Purity wasn’t the ultimate key to a better marriage or better sex; worship was. But teenagers weren’t angsty about worship; they were angsty about marriage, sex, pregnancy, and disease, so that’s where the messaging often went (or at least what many kids came away with). Therefore, while teenage pregnancy and STDs did decline over the next couple decades (truly amazing when you think about it), many testified to experiencing more shame than freedom, more disillusionment than worship, more self than Jesus. And, in the process, some (certainly not all) missed the gift and peace of true purity. They may not have dated young or kissed someone before marriage, but they didn’t get to taste what God means by purity either. Lies That Spread in Purity Culture Calls for sexual purity were (and are) biblical and needed. Even in the midst of the good that was done through lots of preaching and discipleship during those years, several lies seemed to spread in the renewed emphasis on purity — each laced with enough truth to be taken seriously and yet with enough deceit to lead some astray. Lie 1: Sexual purity guarantees a happy marriage. Some heard, If you want to get married to a great guy (or girl), have a great marriage, and enjoy a great sex life, then abstain from any sexual sin. One commentator has called this “the sexual prosperity gospel.” It is true that sexual purity before marriage does guard and bless our future marriage, and it may improve our chances of marrying well and enjoying a healthy and happy sex life. But it doesn’t guarantee a great marriage. Sexual purity does not guarantee we will marry, or that our spouse will be wonderful and faithful, or that sex will easy or satisfying. Marriage is not a reward for purity in singleness, and prolonged singleness is not a curse for sexual sin. Sexual purity before marriage is a profound way to love your future spouse (if God brings you a spouse). More than that, though, it’s a profound way to honor God and experience more of his presence and power. “Blessed are the pure in heart,” Jesus says, “for they shall see God” (Matthew 5:8). Lie 2: Virginity is what makes someone desirable. Some heard, If I want a godly guy (or girl) to want to marry me, then I should abstain from sexual sin. They went away thinking that virginity was the greatest gift anyone could give a future spouse and that those who kept their virginity would, again, receive marriage as a reward for their waiting. “Virginity is not the greatest gift anyone can give a future spouse; a genuine faith in Jesus is.” Virginity is a precious gift to give a spouse. Perhaps my greatest regret as a husband, a father, as a man, is that I did not practice the love and self-control of waiting for the marriage bed. Virginity, however, is not the greatest gift anyone can give a future spouse; a genuine faith in Jesus is. Make no mistake, your sexual history (or lack thereof) will affect your marriage for better or worse, if God gives you a spouse, but the effect will not compare to your lived-out love for Christ (or lack thereof). Virginity is not at the top of a godly man’s or woman’s priorities; Jesus is. Whatever the history, he or she is now most committed to marrying in the Lord (1 Corinthians 7:39). That means sexual sinners are not ruined for happy marriages if we turn from our sin and commit to pursuing purity in Christ. Lie 3: Girls are why men sin. Some pushback against “purity culture” has come from women who felt the burden was unfairly laid on them to keep men from sinning. Lust is every young man’s battle, and they’re tempted and fall because women dress and act immodestly. As a result, some women may have carried shame and guilt over the sins of their brothers — and some men may have left thinking they experienced lust mainly because women dressed inappropriately. Jesus did not diagnose lust this way. He pointed first to our own hearts: “For out of the heart come evil thoughts, murder, adultery, sexual immorality, theft, false witness, slander. These are what defile a person” (Matthew 15:19–20). This doesn’t discount God’s real call to modesty, that women “adorn themselves in respectable apparel, with modesty and self-control” (1 Timothy 2:9); nor does it dismiss that immodesty can feed sexual temptation and lust. But Jesus does not lay a man’s sin chiefly at the feet of women. A man’s sexual immorality comes first and foremost from within him. How Does God Motivate Sexual Purity? If these untruths compromised the cause for purity, how does God inspire purity? What kinds of realities does he rely on to kindle a grace-filled, Christ-exalting, joyful pursuit of purity, especially sexual purity? A good place to start would be 1 Thessalonians 4:1–8, and especially verse 3: >This is the will of God, your sanctification: that you abstain from sexual immorality. Do you want to know God’s will for you? (Everyone, of course, does, and especially young people trying to figure out their lives.) This verse says God’s will for you is your sexual purity. In the wrong hands, the verse could become a prooftext for distorted teaching on purity, but I believe this passage still holds the cure for an ailing purity culture — and the catalyst for a new one. So how does Paul motivate sexual purity in 1 Thessalonians 4? In at least five profound ways. 1. Do you want to be free from lust? Again, beginning in verse 3, “This is the will of God, your sanctification: that you abstain from sexual immorality; that each one of you know how to control his own body in holiness and honor, not in the passion of lust like the Gentiles who do not know God” (1 Thessalonians 4:3–5). Paul is preaching freedom from the tyranny of the passions of the flesh. Those who don’t know God are enslaved to their cravings. They do what their body tells them to do — and their body consistently tells them to defy the living God. And so they forfeit fullness of joy and pleasures forevermore — and their very lives — for fractions of joy and moments of pleasure. But those who know God realize that sexual immorality is not freedom; it is slavery. And sexual purity is not slavery; it is a truer, longer-lasting freedom (Romans 6:6–7). 2. Do you want to experience the power of God? God not only calls us to sexual purity; he promises to work that purity in us. “God has not called us for impurity, but in holiness. Therefore whoever disregards this, disregards not man but God, who gives his Holy Spirit to you” (1 Thessalonians 4:7–8). With the command — abstain from sexual immorality — he also gives himself. I will work in you that which is pleasing in my sight, God says, as you work out your salvation with fear and trembling (Philippians 2:13–14). The soul successfully pursuing sexual purity in Christ is a soul coursing with the power of God — with the presence and help of the Holy Spirit. 3. Do you want to avoid the wrath to come? First Thessalonians 4:1–8 is a weighty passage. It’s not “Come as you are, and stay as you are.” It’s filled with warning. The Lord is an avenger in all these things, as we told you beforehand and solemnly warned you. For God has not called us for impurity, but in holiness. Therefore whoever disregards this, disregards not man but God. (1 Thessalonians 4:6–8) Faithful teaching on sexual purity will sound severe warnings. Those warnings, however, will harmonize with the melody of God’s grace to sinners — and they will focus most not on temporary, earthly consequences, but on spiritual, eternal ones. To be sure, there’s a place to warn about sexually transmitted diseases, teenage pregnancy, unwanted singleness, and marital dysfunction, but the weight of the church’s warnings about sex should land on God. And God makes himself clear: Do not be deceived: neither the sexually immoral, nor idolaters, nor adulterers, nor men who practice homosexuality, nor thieves, nor the greedy, nor drunkards, nor revilers, nor swindlers will inherit the kingdom of God. (1 Corinthians 6:9–10) 4. Do you want to guard the ones you love? Satan wants us to think that sexual sin is secret and private. That no one has to know. That we’re the only ones who suffer for our lack of self-control. The testimony of Scripture, however, is that our sexual sin always harms more than ourselves. That means sexual purity is an act of love. “This is the will of God, your sanctification: that you abstain from sexual immorality . . . that no one transgress and wrong his brother in this matter” (1 Thessalonians 4:3–6). “The consequences of sexual sin always injure others, and especially those we love.” There may have been particular ways the Thessalonians were using sex against one another, but the principle applies much more broadly: the consequences of sexual sin always injure others, and especially those we love. Sexual sin treats people as objects, and fuels sex slavery around the world. Sexual sin corrupts leadership, in the home and in the church, and it ruins ministries. Sexual sin destroys marriages and wounds children. Because God has given sex such unusual power for good in marriage, it has unusual power for destruction everywhere else. So, abstain from sexual immorality as an act of earnest love. 5. Do you want to feel the smile of God? Finally, a great reason to practice sexual purity in our pornographic age is that our purity pleases God. In Christ, by the power of the Spirit, we now have the profound ability to make the King of heaven smile. Finally, then, brothers, we ask and urge you in the Lord Jesus, that as you received from us how you ought to walk and to please God, just as you are doing, that you do so more and more. (1 Thessalonians 4:1) This does not mean God only loves those who kept their virginity before marriage. It does mean that when his chosen, forgiven, imperfect children choose purity, it pleases him. It makes him happy. Paul prays elsewhere, “that you may be filled with the knowledge of his will in all spiritual wisdom and understanding, so as to walk in a manner worthy of the Lord, fully pleasing to him, bearing fruit in every good work and increasing in the knowledge of God” (Colossians 1:9–10). Our God is the happiest being in the universe (1 Timothy 1:11), and one of his great pleasures is seeing his people overcome sin and temptation by his grace. Do you want a reason to resist sexual sin? Your purity pleases the Father. And your purity allows you to see and enjoy more of God (Matthew 5:8). Those who live to please him experience deeper, more enduring pleasure than this world can offer. Purity Is Greater Than Sex We likely won’t get to read many articles about the men and women who signed cards and wore rings out of a real, burning love for Jesus. The New York Times likely won’t cover the countless stories of those who credit the movement for helping them make Christian resolves against peer pressure and fight the good fight for purity in days when many weren’t. Where purity culture erred or was unclear, it wasn’t because Christian leaders called for sexual purity, but because sex and marriage threatened to become bigger than God. Wherever the messaging downplayed grace, or relied disproportionately on fear, or reduced purity to sexual ethics, it plundered the riveting and appealing beauty of purity in Christ — and, ironically, robbed purity of its power to overcome temptation. As purity becomes smaller and more human, it also becomes more burdensome — and less Christian. Christian purity is rooted in the bigness and goodness of God — his grace, his power, his love, his worth. The pursuit of purity (then and now) is not mainly about rejecting sexual temptation, but about receiving and embracing the heart of God. Yes, God calls us to walk in purity, but the only path to true purity is covered in blood and leads us to him.