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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.

Gregory Thaumaturgus

Gregory Thaumaturgus Gregory the Wonderworker’s Early life Gregory was born in a Pontus, a region on the southern coast of the Black Sea, located in the modern-day eastern Black Sea Region of Turkey, around 212-13. His was a wealthy home and his parents named him Theodore (Gift of God) despite their pagan beliefs. When he was 14 years old his father died and soon after, he and his brother, Athenodorus, were anxious to study law at Beirut, Lebanon, then one of the four of five famous schools in the Hellenic world. Influence of Origen However, on the way, they first had to escort their sister to rejoin her husband, who was a government official assigned to Caesarea in Palestine (modern Haifa, Israel). When they arrived they learned that the celebrated scholar Origen, head of the catechetical school of Alexandria, lived there. Inquisitiveness led them to hear and speak with the Origen and his irresistible charm quickly won their hearts. They soon dropped their desires for a life in Roman law, became Christian believers and pupils of Origen, learning philosophy and theology, for somewhere between five and eight years. Origen also baptised Gregory. Pastor (then Bishop) of Neoceasarea Gregory returned to his native Pontus with the intention of practicing oratory, but also to write a book proving the truth of Christianity, revealing his evangelistic heart. But his plans were disrupted when locals noticed his passion for Christ and his spiritual maturity. There were just seventeen Christians in Neoceasarea when Gregory arrived and this small group persuaded him to lead them as their bishop. (‘bishop’ simply meant a local overseer). At the time, Neocaesarea was a wicked, idolatrous province. Signs of the Spirit By his saintly life, his direct and lively preaching, helping the needy and settling quarrels and complaints, Gregory began to see many converts to Christ. But it was the signs and wonders that particularly attracted people to Christ. En route to Neocaesarea from Amasea, Gregory expelled demons from a pagan temple, its priest converted to Christ immediately. Once, when he was conversing with philosophers and teachers in the city square, a notorious harlot came up to him and demanded payment for the sin he had supposedly committed with her. At first Gregory gently remonstrated with her, saying that she perhaps mistook him for someone else. But the loose woman would not be silenced. He then asked a friend to give her the money. Just as the woman took the unjust payment, she immediately fell to the ground in a demonic fit, and the fraud became evident. Gregory prayed over her, and the devil left her. This was the beginning of Gregory’s miracles. It was at this time he became known as ‘Gregory Thaumaturgus,’ ‘Gregory the Miracle Worker’ (or Wonderworker). At one point Gregory wanted to flee from the worldly affairs into which influential townsmen persistently sought to push him. He went into the desert, where by fasting and prayer he developed an intimacy with God and received gifts of knowledge, wisdom and prophecy. He loved life in the wilderness and wanted to remain in solitude with God until the end of his days, but the Lord willed otherwise. His theological contribution Though he was primarily an evangelist and pastor, Gregory also had a deep theological understanding. His principal work ‘The Exposition of Faith’, was a theological apology for Trinitarian belief. It incorporated his doctrinal instructions to new believers, expressed his arguments against heretical groups and was widely influential amongst leaders in the Patristic period: Basil the Great, Gregory the Theologian, and Gregory of Nyssa (The Cappadocian Fathers). It was the forerunner of the Nicene Creed that was to appear in the early 4th century. In summary He gave himself to the task of the complete conversion of the population of his diocese. The transformation in Neocaesarea was astonishing. Persuasive preaching, numerous healings and miraculous signs had a powerful effect. Such was his success that it was said that when Gregory became bishop (c 240) he found only seventeen Christians in his diocese; when he died only seventeen remained pagan (Latourette 1953:76). Basil the Great’s Testimony Basil the Great (330-379, Bishop of Caesarea, in his work ‘On the Spirit’ wrote the following account of Gregory the wonder-worker. “But where shall I rank the great Gregory, and the words uttered by him? Shall we not place among Apostles and Prophets a man who walked by the same Spirit as they; who never through all his days diverged from the footprints of the saints; who maintained, as long as he lived, the exact principles of evangelical citizenship? I am sure that we shall do the truth a wrong if we refuse to number that soul with the people of God, shining as it did like a beacon in the Church of God: for by the fellow-working of the Spirit the power which he had over demons was tremendous, and so gifted was he with the grace of the word ‘for obedience to the faith among. . .the nations.’ that, although only seventeen Christians were handed over to him, he brought the whole people alike in town and country through knowledge to God. He too by Christ’s mighty name commanded even rivers to change their course, and caused a lake, which afforded a ground of quarrel to some covetous brethren, to dry up. Moreover, his predictions of things to come were such as in no wise to fall short of those of the great prophets. To recount all his wonderful works in detail would be too long a task. By the superabundance of gifts, wrought in him by the Spirit, in all power and in signs and in marvels, he was styled a second Moses by the very enemies of the Church. Thus, in all that he through grace accomplished, alike by word and deed, a light seemed ever to be shining, token of the heavenly power from the unseen which followed him. To this day he is a great object of admiration to the people of his own neighborhood, and his memory, established in the churches ever fresh and green, is not dulled by length of time. (Schaff and Wace nd., Series 2. 8:46-47). “Gregory was a great and conspicuous lamp, illuminating the church of God.” —Basil the Great.

do not despise the day of small groups

Some three hundred years ago, an unusual kind of church gathering spread throughout the English-speaking world like fire in the brush. When describing these groups, church historians reach for the language of  newness : one refers to the gatherings as “innovations,” another as “a fresh ecclesiological proposal,” and still another as “decidedly novel.” To some, the groups seemed dangerous, a threat to existing church order. But to countless normal Christians, the groups held immense attraction. They were a new wineskin of sorts, and new wineskins have a way of offending and appealing in equal measure. Revealing the name of these gatherings risks anticlimax, however, because today they seem to many Christians as somewhat ho-hum, a churchly inheritance as traditional as pulpits and pews. For these innovative groups, these fresh and novel gatherings, were none other than the first modern small groups. Daring Idea of Small Groups Small groups, of course, were not  all  new three hundred years ago. In fact, when the German Lutheran Philip Jacob Spener (1635–1705) proposed the idea in 1675, he likened the groups to “the ancient and apostolic kind of church meetings” ( Pia Desideria , 89). Bruce Hindmarsh, in his article “The Daring Idea of Small Groups,” suggests Spener had in mind passages like Colossians 4:15 and 1 Corinthians 14:26–40, where the early Christians met in houses and exercised the gifts of the Spirit. To these we might also add Acts 2:42–47, where the newly Spirit-filled church met not only at the temple but also “in their homes.” For Spener, then, small groups were a retrieval project, an attempt to restore an ancient gathering somehow lost through the centuries. He wanted passive laypeople to act like the “royal priesthood” they really were in Christ (1 Peter 2:9). He wanted to see the Spirit working mightily through not only pastors and teachers but  all  members of the body, as in the days after Pentecost. Spener couldn’t help but trace a connection between the new-covenant ministry of the Spirit and the New Testament pattern of small groups. He was right to trace a connection. A few decades after Spener proposed his daring idea, a massive spiritual awakening spread throughout Western Europe and America. And just as in the days of Acts 2, the newly Spirit-filled church began to gather in small groups. Sunday morning couldn’t contain the Spirit’s flame. Fostering and Facilitating Revival Richard Lovelace, in his  Dynamics of Spiritual Life , notes “the persistent reappearance of small intentional communities in the history of church renewal” (78). And so it was in the First Great Awakening of the 1730s and beyond. In the decades surrounding the awakening, small groups were instrumental in both fostering and facilitating revival. In the first place, small groups had a way of  fostering  revival. Fascinatingly, we can draw a providential line between Spener’s small-group advocacy and the awakening of the 1730s. Spener’s godson, Nicolaus von Zinzendorf (1700–1760), led a group called the Renewed Moravian Brethren, who themselves had experienced the Spirit’s power in small-group community life. Then, in 1738, Moravians in London helped start the Fetter Lane Society, one of whose members was named John Wesley (1703–1791). And that society, writes Colin Podmore, would become “the main seed-bed from which the English Evangelical Revival would spring” ( The Moravian Church in England, 1728–1760 , 39). Spener’s idea — taken, tried, and tweaked from the 1670s to the 1730s — became one of the greatest means God used in the awakening. From then on, small groups also had a way of  facilitating  revival. As awakening spread through England, Wesley and his colaborers gathered earnest believers into small groups or “bands.” As awakening spread through America, writes Mark Noll, Jonathan Edwards created small groups “as part of his effort to fan this spiritual blaze” ( Rise of Evangelicalism , 77). Really wherever you look, Hindmarsh writes, “As the fires of evangelical revival spread, the fervor of small-group religion branched out too.” Small groups may have looked, at first, a little like the disciples in Acts 2:1, huddled “all together in one place,” waiting for the fire to fall. And then the fire did fall, creating communities that resembled Acts 2:42–47 in various degrees. Those awakened  wanted  to gather — indeed, felt  compelled  to gather — just like those early Christians in Jerusalem. And one gathering a week simply was not enough. Small groups fostered revival, and small groups facilitated revival, in both the first century and the eighteenth. And so they may again today. Four Marks of the First Small Groups Three hundred years after the First Great Awakening, small groups no longer raise eyebrows. The new wineskin has grown familiar, becoming one of the most common features of evangelical church life. Nevertheless, a closer look at these groups reveals a gap between the first modern small groups and many of our own. Often, we have settled for something less daring. Recovering the features of the first groups would not guarantee revival, of course. Awakening is the Spirit’s sovereign work. But in God’s hands, small groups like those of old may become a means of revival — or, short of that, a means of greater growth in Christ. Consider, then, four features of the first small groups, and how we might work to recover them. Experiential Bible Study When many of us think of small groups today, we imagine a Bible study: several people in a circle, Bibles open, discussing some passage and praying afterward. The Bible held a similarly central place in many early small groups; Spener couched his whole proposal, in fact, within the larger aim to introduce “a more extensive use of the word of God among us” ( Pia Desideria , 87). Even still, the phrase  Bible study  may not capture the practical, experiential spirit of these groups. Listen to Spener’s hope for “a more extensive” use of Scripture: “If we succeed in getting the people to seek eagerly and diligently in the book of life for their joy, their spiritual life will be wonderfully strengthened and they will become altogether different people” (91).  Altogether different people  — that was the goal of Bible study in these first groups. And so, they took an immensely practical bent to the Scriptures, studying them not only with their minds but with their lives. I can remember, as a young college student freshly awakened to Christ, how eager a group of us were to open Scripture together, often spontaneously. The Bible seemed always near, its wisdom ever relevant for “all things that pertain to life and godliness” (2 Peter 1:3). Importantly, we were as eager for  application  as we were for  knowledge . Yet I can also recall Bible studies that must have seemed, to any impartial observer, like a mere matter of words. We were studying a map without any clear intention of visiting the country. The first groups, needless to say, resembled the former far more than the latter. “These were not book clubs, lifestyle enclaves, or discussion groups,” Hindmarsh writes. “These were places for those who were serious about the life application of the teaching of Scripture.” We cannot manufacture a spirit of biblical earnestness, of course; we can, however, refuse to treat Scripture as a mere collection of thoughts to be studied. Frank Confession Zeal for life application, for becoming “altogether different people,” naturally gave rise to another feature: utterly honest confession. In fact, Podmore writes that, for many of the groups associated with Wesley and the Moravians, “mutual confession, followed by forgiveness and the healing of the soul, was not just a feature of the society, but its  raison d’ĂȘtre ” — its very reason for being ( Moravian Church , 41). The word  band , sometimes used for these groups, referred to “conversations or conferences where straight talking had taken place” (129). Hence, “these small groups were marked by total frankness.” For biblical warrant, the group leaders often looked to James 5:16: “Confess your sins to one another and pray for one another, that you may be healed.” The rules of the Fetter Lane Society even stated that “the design of our meeting is to obey that command of God” ( Pursuing Social Holiness , 78). The groups exercised wisdom, to be sure: they often shared only with those of the same sex, and they agreed to keep others’ confessions confidential. But there was no way to escape exposure in these groups. Honesty was the cost of admission. Some of our small groups already have a ready-made structure for mutual confession in what we may call  accountability groups . Yet even here, I suspect much of our accountability has room to grow toward the kind of utter honesty Wesley and others had in mind, as reflected in one of the rules for Fetter Lane: “That each person in order speak freely, plainly, and concisely as he can, the state of his heart, with his several temptations and deliverances, since the last time of meeting.” How can our groups grow toward such free, plain honesty? Partly by believing, as they did, that greater healing lies on the other side. Common Priesthood The Reformation, as has often been said, did not get rid of the priesthood; it gave the priesthood back to all believers. Or at least in theory. In Spener’s Germany, a century and a half after Luther heralded the priesthood of all believers, the laity once again had become largely passive. And not only passive, but fractured by class, creating an unbiblical hierarchy not only between clergy and laity but between rich and poor laity: “Elevated and upholstered places were reserved for the upper classes and only the common people sat on hard seats in the nave,” Theodore Tappert writes (introduction to  Pia Desideria , 4–5). The small groups of Spener and those who followed him dealt a devastating blow to that state of affairs. All of a sudden, normal Christians — mothers and fathers, bakers and cobblers, lawyers and doctors, farmers and clerks — sat in the same room, none of them elevated above the others. And more than that, they believed that they, though untrained in theology, could edify their brothers and sisters by virtue of the Spirit within them. Small groups made the people priests again. “Small groups made the people priests again.” The groups, rightly, did not aim to erase all distinction: pastors often led or oversaw the gatherings, aware that small groups could sometimes splinter from the larger body and seek to overturn godly authority. That danger will always be present to some extent when the people are empowered to be priests. But far better to deal with that danger than to render laypeople passive. Are we as persuaded as they were that the body of Christ grows only when it is “joined and held together by  every joint  with which is it equipped, when  each part  is working properly” (Ephesians 4:16)? If so, we’ll seek to unleash the gifts of every believer, including those “that seem to be weaker” (1 Corinthians 12:22). Though weak in the world’s eyes, they have been given crucial gifts “for the common good” (1 Corinthians 12:7). Outward Mission We have small groups today, in part, because some of the first small-group members refused to keep the groups to themselves. Hindmarsh notes that, among the Moravians, revival drove them “in two directions: inward, in an intensity of community life together; and outward, in missionary enterprise to places like Georgia and the American frontier.” How easily the Moravians might have prized their rich community life at the expense of outward mission, as we so often do. Instead, they lifted their glorious banner — “May the Lamb that was slain receive the reward of his suffering” — and sought to spread that same community life elsewhere. And because they did, they encountered John Wesley, helped begin the Fetter Lane Society, and thus gave shape to the small groups that would explode throughout the North Atlantic. “From the beginning, small groups, like cells in a body, were meant to multiply.” From the beginning, small groups, like cells in a body, were meant to multiply. Sometimes multiplication happened as Christians like the Moravians traveled to far-flung places as missionaries; other times, it happened as small groups remained porous enough for outsiders to look in and, like the unconverted John Bunyan, hear serious believers speak “as if they had found a new world” ( Grace Abounding , 20). One of our great challenges, then and now, is how to move our groups outward in mission while maintaining the kind of trusting relationships that allow for mutual confession and life together. That challenge likely will feel perennial. But believers with an inward bent — perhaps most of us — can probably risk erring in the outward direction, whether by finding some common mission, inviting outsiders into the group, or praying together earnestly for the nonbelievers in our lives. We may even find that mission binds us together like never before. Small Day of Small Groups Perhaps, as we consider the vitality that marked the first evangelical small groups, our own group grows a bit grayer. If so, we may do well to remember the biblical passage cited, it seems, more often than Acts 2 or 1 Corinthians 14 — that is, James 5. James 5:13–20 lays out a compelling program for small-group life. Yet we know from James’s letter that the community was not enjoying the kind of awakening we see in Acts 2. Class division, bitter tongues, fleshly wisdom, and worldly friendships were compromising the church’s holiness (James 2:1–13; 3:1–18; 4:1–10). Yet even still, James tells them to gather, to sing, to confess, to pray. Spener, himself unimpressed with the state of his church community, reminds us, The work of the Lord is accomplished in wondrous ways, even as he is himself wonderful. For this very reason his work is done in complete secrecy, yet all the more surely, provided we do not relax our efforts. . . . Seeds are there, and you may think they are unproductive, but do your part in watering them, and ears will surely sprout and in time become ripe. ( Pia Desideria , 38) Indeed, those seeds did bear fruit in time — far more fruit than Spener could have imagined. So don’t despise the small day of small groups. More may be happening than we can see.

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