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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.

Cornelius Van Til

Cornelius Van Til Cornelius Van Til (May 3, 1895 – April 17, 1987) was a Dutch-American reformed philosopher and theologian, who is credited as being the originator of modern presuppositional apologetics. Biography Van Til (born Kornelis van Til in Grootegast, Netherlands) was the sixth son of Ite van Til, a dairy farmer, and his wife Klasina van der Veen. At the age of ten, he moved with his family to Highland, Indiana. He was the first of his family to receive a higher education. In 1914 he attended Calvin Preparatory School, graduated from Calvin College, and attended one year at Calvin Theological Seminary, where he studied under Louis Berkhof, but he transferred to Princeton Theological Seminary and later graduated with his PhD from Princeton University. He began teaching at Princeton Seminary, but shortly went with the conservative group that founded Westminster Theological Seminary, where he taught for forty-three years. He taught apologetics and systematic theology there until his retirement in 1972 and continued to teach occasionally until 1979. He was also a minister in the Christian Reformed Church in North America and in the Orthodox Presbyterian Church from the 1930s until his death in 1987, and in that denomination, he was embroiled in a bitter dispute with Gordon Clark over God's incomprehensibility known as the Clark–Van Til Controversy. Work Van Til drew upon the works of Dutch Calvinist philosophers such as D. H. Th. Vollenhoven, Herman Dooyeweerd, and Hendrik G. Stoker and theologians such as Herman Bavinck and Abraham Kuyper to devise a novel Reformed approach to Christian apologetics, one that opposed the traditional methodology of reasoning on the supposition that there is a neutral middle-ground, upon which the non-Christian and the Christian can agree. His contribution to the Neo-Calvinist approach of Dooyeweerd, Stoker and others, was to insist that the "ground motive" of a Christian philosophy must be derived from the historical terms of the Christian faith. In particular, he argued that the Trinity is of indispensable and insuperable value to a Christian philosophy. In Van Til: The Theologian, John Frame, a sympathetic critic of Van Til, claims that Van Til's contributions to Christian thought are comparable in magnitude to those of Immanuel Kant in non-Christian philosophy. He indicates that Van Til identified the disciplines of systematic theology and apologetics, seeing the former as a positive statement of the Christian faith and the latter as a defense of that statement – "a difference in emphasis rather than of subject matter." Frame summarizes Van Til's legacy as one of new applications of traditional doctrines: Unoriginal as his doctrinal formulations may be, his use of those formulations – his application of them – is often quite remarkable. The sovereignty of God becomes an epistemological, as well as a religious and metaphysical principle. The Trinity becomes the answer to the philosophical problem of the one and the many. Common grace becomes the key to a Christian philosophy of history. These new applications of familiar doctrines inevitably increase [Christians'] understanding of the doctrines themselves, for [they] come thereby to a new appreciation of what these doctrines demand of [them]. Similarly, Van Til's application of the doctrines of total depravity and the ultimate authority of God led to his reforming of the discipline of apologetics. Specifically, he denied neutrality on the basis of the total depravity of man and the invasive effects of sin on man's reasoning ability and he insisted that the Bible, which he viewed as a divinely inspired book, be trusted preeminently because he believed the Christian's ultimate commitment must rest on the ultimate authority of God. As Frame says elsewhere, "the foundation of Van Til's system and its most persuasive principle" is a rejection of autonomy since "Christian thinking, like all of the Christian life, is subject to God's lordship". However, it is this very feature that has caused some Christian apologists to reject Van Til's approach. For instance, D. R. Trethewie describes Van Til's system as nothing more than "a priori dogmatic transcendental irrationalism, which he has attempted to give a Christian name to." Kuyper–Warfield synthesis It is claimed that Fideism describes the view of fellow Dutchman Abraham Kuyper, whom Van Til claimed as a major inspiration. Van Til is seen as taking the side of Kuyper against his alma mater, Princeton Seminary, and particularly against Princeton professor B. B. Warfield. But Van Til described his approach to apologetics as a synthesis of these two approaches: "I have tried to use elements both of Kuyper's and of Warfield's thinking." Greg Bahnsen, a student of Van Til and one of his most prominent defenders and expositors, wrote that "A person who can explain the ways in which Van Til agreed and disagreed with both Warfield and Kuyper, is a person who understands presuppositional apologetics." With Kuyper, Van Til believed that the Christian and the non-Christian have different ultimate standards, presuppositions that color the interpretation of every fact in every area of life. But with Warfield, he believed that a rational proof for Christianity is possible: "Positively Hodge and Warfield were quite right in stressing the fact that Christianity meets every legitimate demand of reason. Surely Christianity is not irrational. To be sure, it must be accepted on faith, but surely it must not be taken on blind faith. Christianity is capable of rational defense." And like Warfield, Van Til believed that the Holy Spirit will use arguments against unbelief as a means to convert non-believers. Van Til sought a third way from Kuyper and Warfield. His answer to the question "How do you argue with someone who has different presuppositions?" is the transcendental argument, an argument that seeks to prove that certain presuppositions are necessary for the possibility of rationality. The Christian and non-Christian have different presuppositions, but, according to Van Til, only the Christian's presuppositions allow for the possibility of human rationality or intelligible experience. By rejecting an absolutely rational God that determines whatsoever comes to pass and presupposing that some non-rational force ultimately determines the nature of the universe, the non-Christian cannot account for rationality. Van Til claims that non-Christian presuppositions reduce to absurdity and are self-defeating. Thus, non-Christians can reason, but they are being inconsistent with their presuppositions when they do so. The unbeliever's ability to reason is based on the fact that, despite what he believes, he is God's creature living in God's world. Hence, Van Til arrives at his famous assertion that there is no neutral common ground between Christians and non-Christians because their presuppositions, their ultimate principles of interpretation, are different; but because non-Christians act and think inconsistently with regard to their presuppositions, common ground can be found. The task of the Christian apologist is to point out the difference in ultimate principles, and then show why the non-Christian's reduce to absurdity. Transcendental argument The substance of Van Til's transcendental argument is that the doctrine of the ontological Trinity, which is concerned with the reciprocal relationships of the persons of the Godhead to each other without reference to God's relationship with creation, is the aspect of God's character that is necessary for the possibility of rationality. R. J. Rushdoony writes, "The whole body of Van Til's writings is given to the development of this concept of the ontological Trinity and its philosophical implications." The ontological Trinity is important to Van Til because he can relate it to the philosophical concept of the "concrete universal" and the problem of the One and the many. For Van Til, the ontological Trinity means that God's unity and diversity are equally basic. This is in contrast with non-Christian philosophy in which unity and diversity are seen as ultimately separate from each other: The whole problem of knowledge has constantly been that of bringing the one and the many together. When man looks about him and within him, he sees that there is a great variety of facts. The question that comes up at once is whether there is any unity in this variety, whether there is one principle in accordance with which all these many things appear and occur. All non-Christian thought, if it has utilized the idea of a supra-mundane existence at all, has used this supra-mundane existence as furnishing only the unity or the a priori aspect of knowledge, while it has maintained that the a posteriori aspect of knowledge is something that is furnished by the universe. Pure unity with no particularity is a blank, and pure particularity with no unity is chaos. Frame says that a blank and chaos are "meaningless in themselves and impossible to relate to one another. As such, unbelieving worldviews always reduce to unintelligible nonsense. This is, essentially, Van Til's critique of secular philosophy (and its influence on Christian philosophy)." Karl Barth Van Til was also a strident opponent of the theology of Karl Barth, and his opposition led to the rejection of Barth's theology by many in the Calvinist community. Despite Barth's assertions that he sought to base his theology solely on the 'Word of God', Van Til believed that Barth's thought was syncretic in nature and fundamentally flawed because, according to Van Til, it assumed a Kantian epistemology, which Van Til argued was necessarily irrational and anti-Biblical. Influence Many recent theologians have been influenced by Van Til's thought, including John Frame, Greg Bahnsen, Rousas John Rushdoony, Francis Schaeffer, as well as many of the current faculty members of Westminster Theological Seminary, Reformed Theological Seminary, and other Calvinist seminaries. He was also the personal mentor of K. Scott Oliphint late in life.

Satan Will Sing You to Sleep

“You don’t tell people about Jesus, because you don’t care about their eternal state.” His assertion stung. But I knew it was true. Confronted with the way he lives for the lost, its truth was as obvious to me as the nose on my face. And like the nose on my face, I wasn’t paying much attention to it until he called it out. But unlike the nose on my face, his assertion was eternally significant. I recently met this remarkable man while traveling in the Middle East. He, along with his wife, is leading a rapidly growing movement of Muslims turning to Christ in a very restrictive part of the Islamic world. I had the great (and exposing) privilege of spending hours with him. I wish I could tell you more about his story — how Jesus called him and the incredible ways the Lord uniquely prepared him to make disciples and plant churches in a very dangerous place. His story is worth a book someday. For now, I will spare the details, lest I in any way expose him. I must pass along something he shared with me, though, because we all might be ignoring the obvious and eternally significant “nose” on our collective Western Christian faces — to our own spiritual detriment, for sure, but also to the spiritual catastrophe of those around us. What Could Happen to Them My new friend lives in an Islamic country where sharing the gospel, if you’re caught, will get you thrown into prison and likely tortured to extract information about other Christians. Yet he and his wife are daily, diligently seeking to share the gospel with others because they want to “share with them in its blessings” (1 Corinthians 9:23) — even more than they want their own survival. Each morning, when this husband and wife part ways, they acknowledge to one another that it might be the last time they see each other. She knows, if caught, part of her torture will almost assuredly include rape, probably repeatedly. He knows, if caught, brutal things await him before a likely execution. For to them, “to live is Christ, and to die is gain” (Philippians 1:21). Yet each day they prayerfully pursue the Spirit of Jesus’s direction in order to show the lost the way of salvation. And they are equipping other Christians to do the same. Wholly Dependent on God When I say “prayerfully,” I mean prayerfully. They, and their fellow leaders, spend a minimum of four hours a day in prayer and God’s word, and frequently fast for extended periods, before they go out seeking souls. They do this because they need to. Spiritual strongholds do not give way and conversions don’t happen unless they do this. One wrong move and a whole network of believers could be exposed. So, they depend on the Holy Spirit to specifically lead them to people the Spirit has prepared. For them, the doctrine of election is not some abstract theological controversy for seminary students to debate. They see it played out in front of them continually. The cessationism-continuationism debate is also a moot issue for them. They regularly see the Holy Spirit do things we read about in the book of Acts. As my friend described the Spirit’s activity where he lives, it was clear that all the revelatory and miraculous spiritual gifts listed in 1 Corinthians 12–14 are a normal part of life for these believers — because they really need them. They’re not debating Christian Hedonism either. When you live under the threat of death daily, either life is Christ and death is gain to you, or you will not last. So, I learned that my friend has translated John Piper’s original sermon series on Christian Hedonism into his native language and used them as part of his core theological curriculum for believers. Lulled by an Evil Lullaby All those things were wonderful and encouraging — as well as convicting — to hear. But then he told me a disturbing story. A number of years ago, this man and his wife were given the opportunity to move to the States, and they did. After living here for a period of time, however, the wife began to plead with her husband that they move back to their Islamic country of origin. Why? She told him, “It’s like there’s a satanic lullaby playing here, and the Christians are asleep. And I feel like I’m falling asleep! Please, let’s go back!” Which they did (God be praised!). This story contains an urgent message we must hear: she wanted to go back to a dangerous environment to escape what she recognized as a greater danger to her faith: spiritual lethargy and indifference. This should stop us in our tracks. Do we recognize this as a serious danger? How spiritually sleepy are we? According to my new friend, we can gauge our sleepiness by how the eternal states of non-Christians around us shape the way we approach life. Judging by the general behavior of Christians in the West, it’s clear to my friend that, as a whole (we all can point to remarkable exceptions), we don’t care much about people’s eternal states. Are We Content to Sleep? My friend and his wife are right. There is a satanic lullaby playing, even in churches, across the West. Why else are we so lethargic in the midst of such relative freedom and unprecedented prosperity? Where is our collective Christian sense of urgency? Where are the tears over the perishing? Where is the groaning? Where is the fasting and prevailing intercession for those we love and those we live near and those we work with, not to mention the unreached of the world who have no meaningful gospel witness among them? Paul had “great sorrow and unceasing anguish in [his] heart” over his unbelieving Jewish kinsmen (Romans 9:2). Do we feel anything like that? And Paul’s Spirit-inspired urgency to bring the gospel to the lost shaped his whole approach to life: I have become all things to all people, that by all means I might save some. I do it all for the sake of the gospel, that I may share with them in its blessings. (1 Corinthians 9:22–23) What is shaping our approach to life? If we think that kind of mentality was only for someone with Paul’s apostolic calling, all we need to do is keep reading 1 Corinthians 9:24–27. It’s clear that Paul means for us to run our unique faith-races with the same kind of kingdom-focused mentality. If we’re not feeling anguish over people’s eternal state and ordering our lives around praying for and trying to find ways to bring the gospel to them, we are being lulled to sleep by the devil’s soothing strains. It’s time to start fasting and praying and pleading with God and one another to wake up. Now Is the Time It matters not if we call ourselves Calvinists and believe we have an accurate knowledge of the doctrine of election, if our knowledge does not lead us to feel anguish in our hearts over the lost and a resolve to do whatever it takes to save some. “We do not yet know as we ought to know” (to paraphrase 1 Corinthians 8:2). What we need is to cultivate Paul’s heart for the lost. My conversation with this new friend showed me that, Calvinist though I am, I do not yet know as I ought to know. But, Father, I want to know as I ought to know! I repent of all lethargy and indifference! I will not remain sleepy anymore when it comes to the eternal states of the unbelieving family and friends and neighbors and restaurant servers and checkout clerks all around me. Over Our Dead Bodies According to Jesus, in his parable of the ten virgins, spiritual sleepiness is a very, very dangerous condition (Matthew 25:1–13). We need to get more oil — now! There isn’t much time. I want to be done with satanic sleepiness and cultivate the resolve that led Charles Spurgeon — that unashamed Calvinist — to say, If sinners be damned, at least let them leap to hell over our dead bodies. And if they perish, let them perish with our arms wrapped about their knees, imploring them to stay. If hell must be filled, let it be filled in the teeth of our exertions, and let not one go unwarned and unprayed for. Father, in Jesus’s name, increase my anguish over perishing unbelievers and my urgent resolve to “become all things to all people, that by all means I might save some” (1 Corinthians 9:22), whatever it takes! Article by Jon Bloom

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