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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.
John and Betty Stam
The year 1934. Americans John and Betty Stam were serving as missionaries in China. One morning Betty was bathing her three-month-old daughter Helen Priscilla Stam when Tsingteh's city magistrate appeared. Communist forces were near, he warned, and urged the Stams to flee.
So John Stam went out to investigate the situation for himself. He received conflicting reports. Taking no chances, he arranged for Betty and the baby to be escorted away to safety if need be. But before the Stams could make their break, the Communists were inside the city. By little-known paths, they had streamed over the mountains behind government troops. Now gun shots sounded in the streets as looting began. The enemy beat on the Stams' own gate.
A faithful cook and maid at the mission station had stayed behind. The Stams knelt with them in prayer. But the invaders were pounding at the door. John opened it and spoke courteously to the four leaders who entered, asking them if they were hungry. Betty brought them tea and cakes. The courtesy meant nothing. They demanded all the money the Stams had, and John handed it over. As the men bound him, he pleaded for the safety of his wife and child. The Communists left Betty and Helen behind as they led John off to their headquarters.
Before long, they reappeared, demanding mother and child. The maid and cook pleaded to be allowed to accompany Betty.
"No," barked the captors, and threatened to shoot.
"It is better for you to stay here," Betty whispered. "If anything happens to us, look after the baby."
[When we consecrate ourselves to God, we think we are making a great sacrifice, and doing lots for Him, when really we are only letting go some little, bitsie trinkets we have been grabbing, and when our hands are empty, He fills them full of His treasures. --Betty Stam]
Betty was led to her husband's side. Little Helen needed some things and John was allowed to return home under guard to fetch them. But everything had been stolen. That night John was allowed to write a letter to mission authorities. "My wife, baby and myself are today in the hands of the Communists in the city of Tsingteh. Their demand is twenty thousand dollars for our release. . . . We were too late. The Lord bless and guide you. As for us, may God be glorified, whether by life or by death."
Prisoners in the local jail were released to make room for the Stams. Frightened by rifle fire, the baby cried out. One of the Reds said, "Let's kill the baby. It is in our way." A bystander asked, "Why kill her? What harm has she done?"
"Are you a Christian?" shouted one of the guards.
The man said he was not; he was one of the prisoners just released.
"Will you die for this foreign baby?" they asked. As Betty hugged Helen to her chest, the man was hacked to pieces before her eyes.
Terror in the Streets
The next morning their captors led the Stams toward Miaosheo, twelve miles distant. John carried little Helen, but Betty, who was not physically strong, owing to a youthful bout with inflammatory rheumatitis was allowed to ride a horse part of the way. Terror reigned in the streets of Miaosheo. Under guard, the foreign family was hustled into the postmaster's shop.
"Where are you going?" asked the postmaster, who recognized them from their previous visits to his town. "We do not know where they are going, but we are going to heaven," answered John. He left a letter with the postmaster. "I tried to persuade them to let my wife and baby go back from Tsingteh with a letter to you, but they would not let her. . . ."
That night the three were held in the house of a wealthy man who had fled. They were guarded by soldiers. John was tied to a post all that cold night, but Betty was allowed enough freedom to tend the baby. As it turned out, she did more than that.
Execution
The next morning the young couple were led through town without the baby. Their hands were tightly bound, and they were stripped of their outer garments as if they were common criminals. John walked barefoot. He had given his socks to Betty. The soldiers jeered and called the town’s folk to come see the execution. The terrified people obeyed.
On the way to the execution, a medicine-seller, considered a lukewarm Christian at best, stepped from the crowd and pleaded for the lives of the two foreigners. The Reds angrily ordered him back. The man would not be stilled. His house was searched, a Bible and hymnbook found, and he, too was dragged away to die as a hated Christian.
John pleaded for the man’s life. The Red leader sharply ordered him to kneel. As John was speaking softly, the Red leader swung his sword through the missionary’s throat so that his head was severed from his body. Betty did not scream. She quivered and fell bound beside her husband’s body. As she knelt there, the same sword ended her life with a single blow.
Betty
Betty Scott was born in the United States but reared in China as the daughter of missionaries. She came to the United States and attended Wilson College in Pennsylvania. Betty prepared to follow in her parents’ footsteps and work in China or wherever else the Lord directed her.
But China it proved to be. At a prayer meeting for China, she met John Stam and a friendship developed that ripened into love. Painfully they recognized that marriage was not yet possible. “The China Inland Mission has appealed for men, single men, to work in sections where it would be impossible to take a woman until more settled work has commenced,” wrote John. He committed the matter to the Lord, whose work, he felt, must come before any human affection. At any rate, Betty would be leaving for China before him, to work in an entirely different region, and so they must be separated anyhow. As a matter of fact, John had not yet even been accepted by the China Inland Mission whereas Betty had. They parted after a long tender day, sharing their faith, picnicking, talking, and praying.
Betty sailed while John continued his studies. On July 1, 1932, John, too, was accepted for service in China. Now at least he could head toward the same continent as Betty. He sailed for Shanghai.
Meanwhile, Betty found her plans thwarted. A senior missionary had been captured by the Communists in the region where she was to have worked. The mission directors decided to keep her in a temporary station, and later ill-health brought her to Shanghai. Thus without any choice on her part, she was in Shanghai when John landed in China. Immediately they became engaged and a year later were married, long before they expected it. In October, 1934 Helen Priscilla was born to them. What would become of her now that her parents John and Betty were dead?
In the Hills
For two days, local Christians huddled in hiding in the hills around Miaosheo. Among them was a Chinese evangelist named Mr. Lo. Through informants, he learned that the Communists had captured two foreigners. At first he did not realize that these were John and Betty Stam, with whom he had worked, but as he received more details, he put two and two together. As soon as government troops entered the valley and it was safe to venture forth, Mr. Lo hurried to town. His questions met with silence. Everyone was fearful that spies might report anyone who said too much.
An old woman whispered to Pastor Lo that there was a baby left behind. She nodded in the direction of the house where John and Betty had been chained their last night on earth. Pastor Lo hurried to the site and found room after room trashed by the bandits. Then he heard a muffled cry. Tucked by her mother in a little sleeping bag, Helen was warm and alive, although hungry after her two day fast.
The kindly pastor took the child in his arms and carried her to his wife. With the help of a local Christian family, he wrapped the bodies that still lay upon the hillside and placed them into coffins. To the crowd that gathered he explained that the missionaries had only come to tell them how they might find forgiveness of sin in Christ. Leaving others to bury the dead, he hurried home. Somehow Helen had to be gotten to safety.
Pastor Lo's own son, a boy of four, was desperately ill -- semi-conscious after days of exposure. Pastor Lo had to find a way to carry the children a hundred miles through mountains infested by bandits and Communists. Brave men were found willing to help bear the children to safety, but there was no money to pay them for their efforts. Lo had been robbed of everything he had.
From Beyond the Grave
But from beyond the grave, Betty provided. Tucked in Helen's sleeping bag were a change of clothes and some diapers. Pinned between these articles of clothing were two five dollar bills. It made the difference.
Placing the children in rice baskets slung from the two ends of a bamboo pole, the group departed quietly, taking turns carrying the precious cargo over their shoulders. Mrs. Lo was able to find Chinese mothers along the way to nurse Helen. On foot, they came safely through their perils. Lo's own boy recovered consciousness suddenly and sat up, singing a hymn.
Eight days after the Stams fell into Communist hands, another missionary in a nearby city heard a rap at his door. He opened it and a Chinese woman, stained with travel, entered the house, bearing a bundle in her arms. "This is all we have left," she said brokenly.
The missionary took the bundle and turned back the blanket to uncover the sleeping face of Helen Priscilla Stam. Many kind hands had labored to preserve the infant girl, but none kinder than Betty who had spared no effort for her baby even as she herself faced degradation and death.
Kathleen White has written an excellent and very readable biography John and Betty Stam, available from Bethany House Publishers (1988). She reports that Betty's alma mater, Wilson College in Pennsylvania, took over baby Helen's support and covered the costs of her college education. She added: "Helen is living in this country (USA) with her husband and family but does not wish her identity and whereabouts to be made known."
Resources:
Huizenga, Lee S. John and Betty Stam; Martyrs. Zondervan, 1935.
Pollock, John. Victims of the Long March and Other Stories. Waco, Texas.: Word Publishing, 1970.
Taylor, Mrs. Howard. The Triumph of John and Betty Stam. China Inland Mission, 1935.
we cannot cling to bitterness and god
Forgiveness . Even the word can make us bristle. Past wounds instinctively spring to mind, making forgiveness feel impossible (or at least unnatural). What feels natural is dwelling on the horrible things that others have done to us, rehearsing their wrongs and plotting our retaliation, if only in our imagination. I know. I have nursed my anger as I have lingered over the ways people have hurt me. A close friend who ended our long-standing relationship over a misunderstanding. A woman whom I mentored for years who slandered me to others. My husband who unexpectedly left me for someone else. The doctor whose careless mistake ended my son’s life. “We cannot hold on to bitterness and hold on to God.” I remember sitting in a counselor’s office, talking about a deep betrayal. When the counselor mentioned forgiveness, I was furious. It felt like he was suggesting I offer that person a “get out of jail free” card, which was unthinkable after all I had suffered. Just hearing the word made me angry. Why should I forgive?  Especially when the person didn’t even seem sorry. But as my counselor unpacked the biblical principles of forgiveness, I couldn’t ignore his words. I realized I had not fully understood what forgiveness was — and what it was not. What Forgiveness Is and Is Not There are many definitions of forgiveness, but a simple one is to surrender the right to hurt others in response to the way they’ve hurt us . Forgiveness means refusing to retaliate or hold bitterness against people for the ways they have wounded us. It is a unilateral act — not conditional on the person being repentant or even willing to acknowledge what they’ve done. Forgiveness is not  saying that sin doesn’t matter. It is not approving of what the other person has done, minimizing the offense, or denying we’ve been wronged. Forgiveness is  acknowledging that the other person has sinned against us and may never be able to make it right. The apostle Paul writes, “Be kind to one another, tenderhearted, forgiving one another, as God in Christ forgave you ” (Ephesians 4:32). If God in Christ forgave us, then forgiving someone cannot  mean diminishing the wrong they’ve done. God could never do that with sin and remain just. Forgiveness doesn’t always mean reconciliation or restoration. And it does not require restoring trust or inviting the people who hurt us back into a relationship. Forgiveness is unconditional, but meaningful reconciliation and restoration are conditional (in the gospel and in human relationships) on the offender’s genuine repentance, humble willingness to accept the consequences of his actions, and a desire by both parties to work on the relationship. Forgiving people also doesn’t mean they won’t experience consequences for their sin. When we forgive them, however, we leave those consequences to God, who says, “Vengeance is mine, I will repay” (Romans 12:19). This doesn’t mean we may not pursue legal action, if warranted, against someone who has hurt us. In certain circumstances, that may be vital for the rehabilitation of the offender or for protecting other potential victims. Forgiveness is costly. In the Bible, it involves shedding blood (Hebrews 9:22). Sacrifice. Death. Honestly, the first step of forgiveness still often feels like death. I want to cling to my right to be angry and often resent being asked to give that up. It all seems so unfair. My flesh still demands some type of retribution. My resistance shows me I need God’s help to understand forgiveness and to truly forgive. Where Do We Begin? I have often had to say, Lord, I don’t want to forgive now, but could you make me willing to forgive? You have forgiven all my sins and I know anything I forgive others is small by comparison  (Matthew 18:21–35). But I cannot do this without you. Please help me. Often, I have to repeat this prayer until God changes my heart. When he does, he usually helps me see the wounds of the person who has hurt me — wounds that do not diminish, justify, or excuse the offense, but that do soften my attitude toward the person. Once I am engaged in wanting to forgive, I begin the process of forgiveness by naming what has happened and all the negative repercussions from the person’s actions and words. I include everything. What I’ve lost. What’s been hard. How it’s made me feel. I want to know what I’m letting go of before I forgive so I can move forward, knowing I have counted the cost. For most offenses, forgiveness is both an initial decision to let go of bitterness as well as a long, ongoing process. When offenses come to mind and painful memories resurface, I must intentionally stop rehearsing them and ask the Lord to help me release those thoughts and practice forgiveness. Why Forgiveness Is Vital to Joy For years I didn’t realize the importance of forgiveness and somehow assumed it was optional; now I see it as a command. “As the Lord has forgiven you,” Colossians 3:13 says, “so you also must  forgive.” So to truly forgive those who have wronged us, we must first receive God’s forgiveness, acknowledging our need before him, which empowers us to forgive others. Christian forgiveness is vertical before it is horizontal. Throughout Scripture, our Lord intertwines his forgiveness of us with our forgiveness of others (Matthew 6:14–15). And like all of his commands, it is always for our good. “Joy and sorrow often coexist, but joy and bitterness cannot.” Forgiving those who have hurt us sets us free. It keeps bitterness from taking root, bitterness that would defile us and everyone around us (Ephesians 4:31). When we cling to resentment, we unknowingly give our offender ongoing power over our hearts, which keeps us enslaved to our anger. This prison we have created pulls us away from our Lord because we cannot hold on to bitterness and hold on to God. Correspondingly, forgiving those who have wronged us releases the hold of bitterness on us. God, who has forgiven our enormous debt, gives us the power to forgive others. It is his power, not ours. This is the miracle of Christian forgiveness: when we forgive, Christ does something profound in us and for us. Those wounds inflicted by others firmly graft us into Christ, the vine, and his life flows all the more powerfully through us. The process unleashes God’s power in our lives in an unparalleled way, making forgiveness one of the most life-changing steps we ever take. Forgiveness, Freedom, and Peace Joy and sorrow often coexist, but joy and bitterness cannot. Bitterness and unforgiveness rob our lives of vitality, peace, and the refreshing joy of God’s presence. We see the power of forgiveness and grace in the lives of Joseph (Genesis 50:15–21) and Job (Job 42:7–10), who both forgave those who wronged them. And we see the hold of unforgiveness and rage on others like Joash, who murdered the priest who disagreed with him (2 Chronicles 24:20–22), and even on Jonah, who was angry at God’s compassion (Jonah 4:1–3). Being able to forgive not only changes our present; it changes our future. When we forgive, we can begin walking in freedom and joy. I don’t know where you are in your journey of forgiveness. Perhaps the wound for you is still fresh, and you need time to process all that’s happened. Maybe you’ve been holding on to bitterness for a long time, and God is asking you to let go. If that’s you, I encourage you to pray. To trust God. To forgive your offender. You won’t regret it. And after you have forgiven, after you’ve been released from the prison of bitterness, you may be amazed at how quickly God begins to flood your life with the joy and peace you lost.