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The Money Answer Book The Money Answer Book

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  • Author: Dave Ramsey
  • Size: 876KB | 161 pages
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About the Book


"The Money Answer Book" by Dave Ramsey provides practical and straightforward advice on managing personal finances, including saving money, investing wisely, and getting out of debt. The book covers a wide range of financial topics and offers practical tips and strategies for achieving financial security and success.

Sophie Scholl

Sophie Scholl Sophia Scholl was a German student, active in the White Rose – a non-violent resistance group to Hitler and the Nazi party. In 1943, she was caught delivering anti-war propaganda and, with her brother Hans Scholl, was executed for high treason. Sophie Scholl has become an important symbol of anti-Nazi resistance in Germany. Sophie Scholl was born in Forchtenberg, Germany on 9 May 1921. She was the fourth out of six children. Her father Robert was the Burgermeister (Mayor) of Forchtenberg am Kocher, in Baden-Württemberg. She was brought up as a Lutheran Christian, and her childhood was relatively happy and carefree. However, in 1933, Hitler came to power and began controlling all aspects of German society. Initially, Sophie was unaffected, but her father and brothers were critical of the Nazi regime and this political criticism filtered through to leave a strong impression on the young Sophie. At the age of twelve, she joined a pseudo-Nazi organisation, the League of German Girls. Initially, Sophie enjoyed the activities of the group, and she was promoted to Squad Leader. However, after her initial enthusiasm with the activities of the group, Sophie became uneasy about the conflict between her conscience and the creeping Nazi ideology of the organisation. In 1935, Nuremberg Laws were passed which increased the discrimination against Jews, banning them from many public places. Sophie complained when two of her young Jewish friends were barred from joining the League of German Girls. She was also reprimanded for reading from the ‘Book of Songs’ by the banned Jewish writer Heinrich Heine. Scholl indicated her rebelliousness by replying, that Heine was essential for understanding German literature. These incidents and the bans against Jews led to Sophie taking a much more critical attitude to the Nazi regime. She began choosing friends more carefully – people who were politically sympathetic to her viewpoint. In 1937, her brothers and some of her friends were arrested for participating in the German Youth Movement. This incident left a strong impression on Sophie and helped to crystallise her opposition to the Nazi regime. In 1942, her father was later sent to prison for making a critical remark about Hitler. He referred to Hitler as “God’s Scourge.” Sophie was an avid reader and developed an interest in philosophy and theology. She developed a strong Christian faith which emphasised the underlying dignity of every human being. This religious faith proved an important cornerstone of her opposition to the increasingly all-pervading Nazi ideology of German society. Sophie also developed a talent for art – drawing and painting, and she became acquainted with artistic circles which, in Nazi terms, were labelled degenerate. In 1940, after the start of the Second World War, she graduated from her Secondary School and became a kindergarten teacher at the Frobel Institute. However, in 1941, she was conscripted into the auxiliary war service working as a nursery teacher in Blumberg. Sophie disliked the military regime of war service and started to become involved in passive resistance to the war effort. After six months in the National Labour Service, in May 1942, she enrolled in the University of Munich as a student of biology and philosophy. With her brother Hans, she became associated with a group of friends who shared similar artistic and cultural interests but also developed shared political views, which increasingly opposed the Nazi regime they lived in. She came into contact with philosophers such as Theodor Haecker, who posed questions of how individuals should behave under a dictatorship. The White Rose Movement The White Rose was an informal group who sought to oppose the war and Nazi regime. It was founded in early 1942 by Hans Scholl, Willia Graf and Christoph Probst. They wrote six anti-Nazi resistance leaflets and distributed them across Munich. Initially, Sophie was not aware of the group, but when she found out her brother’s activities, she was keen to take part. Sophie participated in distributing leaflets and carrying messages. As a woman, she was less likely to be stopped by the SS. The leaflets of the White Rose contained messages, such as “Nothing is so unworthy of a nation as allowing itself to be governed without opposition by a clique that has yielded to base instinct…Western civilization must defend itself against fascism and offer passive resistance, before the nation’s last young man has given his blood on some battlefield.” However, there was a pervasive police state which kept a high degree of surveillance on any resistance activity. After leaflets had been found at the University of Munich, the local Gestapo stepped up its efforts to catch the resistors. Hans, Willi and Alex also began painting anti-Nazi slogans on buildings in Munich. On 18 February 1943, Sophie and other members of the White Rose were arrested for distributing anti-war leaflets. The leaflets were seen by Jakob Schmidt, a local Nazi party member. Sophie and Hans were interrogated by Nazi officials and, despite trying to protect each other, just four days later were sent to court. The trial was presided over by Roland Freisler, chief justice of the People’s Court of the Greater German Reich. Freisler was an ardent Nazi; with great vigour and a manic intensity, he frequently roared denunciations at the accused. Despite the hostility and appearing in court with a broken leg after her interrogation. Sophie replied to the court: “Somebody, after all, had to make a start. What we wrote and said is also believed by many others. They just don’t dare express themselves as we did.” She also said: “You know the war is lost. Why don’t you have the courage to face it?” No defence witnesses were called and, after a very short trial, the judge passed a guilty verdict, with a sentence of death. The sentence was to be carried out early the next morning by guillotine. Walter Roemer, the chief of the Munich district court, supervised the execution, he later described Sophie’s courage in facing her execution. He reports that Sophie’s last words were: “How can we expect righteousness to prevail when there is hardly anyone willing to give himself up individually to a righteous cause. Such a fine, sunny day, and I have to go, but what does my death matter, if through us, thousands of people are awakened and stirred to action?” The guards were impressed with the courage of the resistors and relaxed the rules to allow Hans, Christoph and Sophie to meet before their execution. After the execution of Sophie, Hans and Christoph, the Gestapo continued their relentless investigation. Other members of the White Rose were caught and executed. Many students from the University of Hamburg were either executed or sent to concentration camps. Legacy of Sophie Scholl In a poll to find the greatest German, Sophie and her brother were voted to be fourth. Amongst the young generation, under 40, they were the most popular. On February 22, 2003, a bust of Sophie Scholl was unveiled by the government of Bavaria in the Walhalla temple. In 2005, a movie about Sophie Scholl’s last days was made featuring Julia Jentsch (Sophie Scholl: The Final Days) Motivations of Sophie Scholl Several factors inspired Sophie Scholl to take part in this highly dangerous resistance. Firstly, her family shared a dislike of the Nazi regime. Both her brothers and father had been arrested for making critical comments. Her father said to the family: “What I want for you is to live in uprightness and freedom of spirit, no matter how difficult that proves to be,” (link) She lived in a family environment which encouraged opposition to Hitler. Sophie had a strong Christian faith and was motivated after hearing speeches by anti-Nazi pastors. She read two volumes of Cardinal John Henry Newman’s sermons which made a strong impression on Sophie, especially his sermon on the ‘theology of conscience.’ During her interrogation, she referred to this ideology as a defence. “I am, now as before, of the opinion that I did the best that I could do for my nation. I, therefore, do not regret my conduct and will bear the consequences that result from my conduct.” Official examination transcripts (February 1943); Bundesarchiv Berlin, ZC 13267, Bd. 3 Her boyfriend Fritz Hartnagel was on the Eastern Front; he reported to Sophie the dreadful conditions of war, the German failure at Stalingrad and also witnessing war crimes undertaken by German and SS forces. Reports of mass killings of Jews were also widely shared amongst members of the White Rose. This features in the second White Rose pamphlet. “Since the conquest of Poland 300,000 Jews have been murdered, a crime against human dignity…Germans encourage fascist criminals if no chord within them cries out at the sight of such deeds. An end in terror is preferable to terror without end.” Sophie Scholl and other members of the White Rose remain a potent symbol of how people can take a courageous action to resist, even the most brutal totalitarian regime. Citation: Pettinger, Tejvan. “Biography of Sophie Scholl”, Oxford, UK – www.biographyonline.net. Published 12th Aug 2014. Last updated 8th March 2017.

Laziness Ruins Happiness

Most people do not want to be thought of as lazy — as a person averse to hard work. We all know laziness is a vice — a corrupting and addicting use of a good gift: rest. Leisure in proper doses is a wonderful, refreshing gift of God. But habitual indulgence in leisure to the neglect of God-given responsibilities brings destruction, both to ourselves and to others. But it’s destructive for a deeper reason than the obvious detrimental impact of work done negligently, or not done at all. At the deeper levels, laziness robs us of happiness by decreasing our capacity to enjoy the deepest delights. And on top of this, it leaves us failing to love as we ought. “Laziness robs us of happiness by decreasing our capacity to enjoy the deepest delights.” Since all of us are tempted in different ways to the sin of laziness, it’s helpful to keep in mind all that’s at stake — and why, over and over throughout the Bible, God commands us to pursue the virtue of diligence. Virtues and Vices For Christians, a virtue is moral excellence that, if cultivated into a habit, becomes a morally excellent character trait. We become more conformed to the image of Christ (Romans 8:29) and experience an increased capacity to delight in what God has made good, true, and beautiful. We see scriptural examples in 2 Peter 1:5–8: Make every effort to supplement your faith with virtue [aretē in Greek, referring to all the virtues] and virtue with knowledge, and knowledge with self-control, and self-control with steadfastness, and steadfastness with godliness, and godliness with brotherly affection, and brotherly affection with love. For if these qualities are yours and are increasing, they keep you from being ineffective or unfruitful in the knowledge of our Lord Jesus Christ. Conversely, a vice is moral corruption that, if cultivated into a habit, becomes a morally corrupt character trait. We become more conformed to the pattern of this fallen world (Romans 12:2) and experience a decreased capacity to delight in what God has made good, true, and beautiful. We see scriptural examples in Galatians 5:19–21: Now the works of the flesh are evident: sexual immorality, impurity, sensuality, idolatry, sorcery, enmity, strife, jealousy, fits of anger, rivalries, dissensions, divisions, envy, drunkenness, orgies, and things like these. I warn you, as I warned you before, that those who do [prassontes in Greek, meaning “make a practice of doing”] such things will not inherit the kingdom of God. Why Diligence Is a ‘Heavenly Virtue’ In the fifth or sixth century, many in the church included diligence on the list of the seven heavenly virtues to counter sloth (the old English word for laziness), which it had on its list of seven deadly sins. But saints throughout redemptive history have always considered diligence a necessary virtue. Both the Old and New Testaments consistently command saints to be diligent, and warn against the dangers of being slothful. Here’s a sampling: Only take care, and keep your soul diligently, lest you forget the things that your eyes have seen, and lest they depart from your heart all the days of your life. (Deuteronomy 4:9) The soul of the sluggard craves and gets nothing, while the soul of the diligent is richly supplied. (Proverbs 13:4) You have commanded your precepts to be kept diligently. (Psalm 119:4) Do not be slothful in zeal, be fervent in spirit, serve the Lord. (Romans 12:11) If anyone is not willing to work, let him not eat. For we hear that some among you walk in idleness, not busy at work, but busybodies. (2 Thessalonians 3:10–11) Therefore, brothers, be all the more diligent to confirm your calling and election, for if you practice these qualities you will never fall. (2 Peter 1:10) As these passages show, diligence is a “heavenly virtue” because it is a means of cultivating godliness — increased capacities to deeply delight in God and his gifts. Cultivating the “deadly sin” (or vice) of sloth, on the other hand, is a means of cultivating ungodliness — decreased capacities to deeply delight in God and his gifts. Wearing Our Love on Our Sleeve But when we speak of pursuing diligence as a way of cultivating godliness, there’s an additional dimension besides developing a strong work ethic for the sake of experiencing greater joys. Since “God is love” (1 John 4:8), and since love fulfills his law (Romans 13:10; Galatians 5:14), growing in godliness means we grow in some aspect of what it means to love. What makes the virtue of diligence distinctly Christian is that it is one of the ways we love God supremely and love our neighbors as ourselves (Matthew 22:37–39). “How we behave reflects what we believe; what we do reflects what we desire; our labors reflect our loves.” God designed us such that our actions bring into view the real affections of our inner being. To put it very simply (and admittedly simplistically): how we behave, over time, reflects what we believe; what we do reflects what we desire; our labors reflect our loves. Now, I realize I’m touching on a complex issue. Our motivating beliefs, desires, and loves are not simple, nor are the contexts in which we behave, do, and labor. Nor are the neurological disorders and diseases that sometimes throw wrenches into these already complex gears. That said, it remains true that our consistent behaviors over time reveal what we really believe, desire, and love. This is what Jesus meant by saying we can distinguish between a healthy (virtuous) tree and a diseased (corrupt) tree by its fruit (Matthew 7:17–20). And of course, the “fruit” is seen not only in what we do, but in how we do it. And here is where our diligence or laziness often reveals what or whom we truly love. Since we seek to take care of what we value greatly, it’s usually apparent when others put their heart into what they’re doing and when they don’t. Or as Paul said of some who were “lazy gluttons” in Crete, “They profess to know God, but they deny him by their works” (Titus 1:12, 16). In what we do and how we do it, in our diligence or laziness, we come to wear our loves on our sleeves — whether we love God (John 14:15) and our neighbor (1 John 3:18), or selfishly love ourselves (2 Timothy 3:2). Be All the More Diligent So, there’s more at stake in our diligence or laziness than we might have previously thought. Yes, diligence is important for the sake of doing high-quality work, which is beneficial in many ways. But hard work, by itself, does not equal the virtue of diligence. As Tony Reinke points out, “Workaholism is slothful because it uses labor in a self-centered way to focus on personal advancement or accumulated accolades” (Killjoys, 50). When Scripture commands us to “be all the more diligent” (2 Peter 1:10), God is calling us to work hard toward the right ends (growing in godliness), in the right ways (what God commands), for the right reasons (love). The more this kind of diligence becomes characteristic of us, the more we become like Jesus: we increasingly delight in what gives him delight, and increasingly love as he loves — which is true virtue. Article by Jon Bloom

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