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About the Book


"The Richest Man in Babylon" is a personal finance classic that offers timeless advice on how to build wealth and achieve financial success. Set in ancient Babylon, the book follows the story of Arkad, the richest man in the city, as he imparts his wisdom on the principles of saving, investing, and managing money to his friends. Through a series of parables and lessons, readers learn key financial principles such as living below your means, investing wisely, and setting financial goals. Overall, the book serves as a guide to achieving financial freedom and prosperity by following simple yet effective money management strategies.

Gladys Aylward

Gladys Aylward Gladys Aylward was born in London in 1904 (or a few years earlier). She worked for several years as a parlormaid, and then attended a revival meeting at which the preacher spoke of dedicating one's life to the service of God. Gladys responded to the message, and soon after became convinced that she was called to preach the Gospel in China. At the age of 26, she became a probationer at the China Inland Mission Center in London, but was failed to pass the examinations. She worked at other jobs and saved her money. Then she heard of a 73-year-old missionary, Mrs. Jeannie Lawson, who was looking for a younger woman to carry on her work. Gladys wrote to Mrs. Lawson and was accepted if she could get to China. She did not have enough money for the ship fare, but did have enough for the train fare, and so in October of 1930 she set out from London with her passport, her Bible, her tickets, and two pounds ninepence, to travel to China by the Trans-Siberian Railway, despite the fact that China and the Soviet Union were engaged in an undeclared war. She arrived in Vladivostok and sailed from there to Japan and from Japan to Tientsin, and thence by train, then bus, then mule, to the inland city of Yangchen, in the mountainous province of Shansi, a little south of Peking (Beijing). Most of the residents had seen no Europeans other than Mrs. Lawson and now Miss Aylward. They distrusted them as foreigners, and were not disposed to listen to them. Yangchen was an overnight stop for mule caravans that carried coal, raw cotton, pots, and iron goods on six-week or three-month journeys. It occurred to the two women that their most effective way of preaching would be to set up an inn. The building in which they lived had once been an inn, and with a bit of repair work could be used as one again. They laid in a supply of food for mules and men, and when next a caravan came past, Gladys dashed out, grabbed the rein of the lead mule, and turned it into their courtyard. It went willingly, knowing by experience that turning into a courtyard meant food and water and rest for the night. The other mules followed, and the muleteers had no choice. They were given good food and warm beds at the standard price, and their mules were well cared for, and there was free entertainment in the evening--the inkeepers told stories about a man named Jesus. After the first few weeks, Gladys did not need to kidnap customers -- they turned in at the inn by preference. Some became Christians, and many of them (both Christians and non-Christians) remembered the stories, and retold them more or less accurately to other muleteers at other stops along the caravan trails. Gladys practiced her Chinese for hours each day, and was becoming fluent and comfortable with it. Then Mrs. Lawson suffered a severe fall, and died a few days later. Gladys Aylward was left to run the mission alone, with the aid of one Chinese Christian, Yang, the cook. A few weeks after the death of Mrs. Lawson, Miss Aylward met the Mandarin of Yangchen. He arrived in a sedan chair, with an impressive escort, and told her that the government had decreed an end to the practice of footbinding. (Note: Among the upper and middle classes, it had for centuries been the custom that a woman's foot should be wrapped tightly in bandages from infancy, to prevent it from growing. Thus grown women had extremely tiny feet, on which they could walk only with slow, tottering steps, which were thought to be extremely graceful.) The government needed a foot-inspector, a woman (so that she could invade the women's quarters without scandal), with her own feet unbound (so that she could travel), who would patrol the district enforcing the decree. It was soon clear to them both that Gladys was the only possible candidate for the job, and she accepted, realizing that it would give her undreamed-of opportunities to spread the Gospel. During her second year in Yangchen, Gladys was summoned by the Mandarin. A riot had broken out in the men's prison. She arrived and found that the convicts were rampaging in the prison courtyard, and several of them had been killed. The soldiers were afraid to intervene. The warden of the prison said to Gladys, "Go into the yard and stop the rioting." She said, "How can I do that?" The warden said, "You have been preaching that those who trust in Christ have nothing to fear." She walked into the courtyard and shouted: "Quiet! I cannot hear when everyone is shouting at once. Choose one or two spokesmen, and let me talk with them." The men quieted down and chose a spokesman. Gladys talked with him, and then came out and told the warden: "You have these men cooped up in crowded conditions with absolutely nothing to do. No wonder they are so edgy that a small dispute sets off a riot. You must give them work. Also, I am told that you do not supply food for them, so that they have only what their relatives send them. No wonder they fight over food. We will set up looms so that they can weave cloth and earn enough money to buy their own food." This was done. There was no money for sweeping reforms, but a few friends of the warden donated old looms, and a grindstone so that the men could work grinding grain. The people began to call Gladys Aylward "Ai-weh-deh," which means "Virtuous One." It was her name from then on. Soon after, she saw a woman begging by the road, accompanied by a child covered with sores and obviously suffering severe malnutrition. She satisfied herself that the woman was not the child's mother, but had kidnapped the child and was using it as an aid to her begging. She bought the child for ninepence--a girl about five years old. A year later, "Ninepence" came in with an abandoned boy in tow, saying, "I will eat less, so that he can have something." Thus Ai-weh-deh acquired a second orphan, "Less." And so her family began to grow.... She was a regular and welcome visitor at the palace of the Mandarin, who found her religion ridiculous, but her conversation stimulating. In 1936, she officially became a Chinese citizen. She lived frugally and dressed like the people around her (as did the missionaries who arrived a few years after in in the neighboring town of Tsechow, David and Jean Davis and their young son Murray, of Wales), and this was a major factor in making her preaching effective. Then the war came. In the spring of 1938, Japanese planes bombed the city of Yangcheng, killing many and causing the survivors to flee into the mountains. Five days later, the Japanese Army occupied Yangcheng, then left, then came again, then left. The Mandarin gathered the survivors and told them to retreat into the mountains for the duration. He also announced that he was impressed by the life of Ai-weh-deh and wished to make her faith his own. There remained the question of the convicts at the jail. The traditional policy favored beheading them all lest they escape. The Mandarin asked Ai-weh-deh for advice, and a plan was made for relatives and friends of the convicts to post a bond guaranteeing their good behavior. Every man was eventually released on bond. As the war continued Gladys often found herself behind Japanese lines, and often passed on information, when she had it, to the armies of China, her adopted country. She met and became friends with "General Ley," a Roman Catholic priest from Europe who had teken up arms when the Japanese invaded, and now headed a guerilla force. Finally he sent her a message. The Japanese are coming in full force. We are retreating. Come with us." Angry, she scrawled a Chinese note, Chi Tao Tu Pu Twai, "Christians never retreat!" He sent back a copy of a Japanese handbill offering $100 each for the capture, dead or alive, of (1) the Mandarin, (2) a prominent merchant, and (3) Ai-weh-deh. She determined to flee to the government orphanage at Sian, bringing with her the children she had accumulated, about 100 in number. (An additional 100 had gone ahead earlier with a colleague.) With the children in tow, she walked for twelve days. Some nights they found shelter with friendly hosts. Some nights they spent unprotected on the mountainsides. On the twelfth day, they arrived at the Yellow River, with no way to cross it. All boat traffic had stopped, and all civilian boats had been seized to keep them out of the hands of the Japanese. The children wanted to know, "Why don't we cross?" She said, "There are no boats." They said, "God can do anything. Ask Him to get us across." They all knelt and prayed. Then they sang. A Chinese officer with a patrol heard the singing and rode up. He heard their story and said, "I think I can get you a boat." They crossed, and after a few more difficulties Ai-weh-deh delivered her charges into competent hands at Sian, and then promptly collapsed with typhus fever and sank into delirium for several days. As her health gradually improved, she started a Christian church in Sian, and worked elsewhere, including a settlement for lepers in Szechuan, near the borders of Tibet. Her health was permanently impaired by injuries received during the war, and in 1947 she returned to England for a badly needed operation. She remained in England, preaching there. In 1957, Alan Burgess wrote a book about her, The Small Woman. It was condensed in The Reader's Digest, and made into a movie called The Inn of the Sixth Happiness, starring Ingrid Bergman. When Newsweek magazine reviewed the movie, and summarized the plot, a reader, supposing the story to be fiction, wrote in to say, "In order for a movie to be good, the story should be believable!" Miss Gladys Aylward, the Small Woman, Ai-weh-deh, died 3 January 1970.

Be Content with What You Have

Contentment is not simply about settling for what we have, but trusting in what God has said. Both anxiety and greed rise in our hearts as God’s words fall. When the author of Hebrews wanted to teach his readers about contentment, he told them an old story with a familiar refrain. He quieted their fears and quenched their greed by reminding them what  God had said . “Keep your life free from love of money, and be content with what you have, for  he has said , ‘I will never leave you nor forsake you’” (Hebrews 13:5). Which prompted Charles Spurgeon to ask, Will not the distresses of life and the pangs of death, will not the internal corruptions and the external snares, will not the trials from above and the temptations from beneath all seem but light afflictions when we can hide ourselves beneath the bulwark of “he has said”? The seed of unnecessary fear in the heart of a Christian is forgetfulness — an inability to remember and trust what the God of the universe has said and done. No one has ever had any grounds to accuse God of not following through on his word. Not even one phrase in any sentence in any statement he has ever made has failed (Joshua 21:45). We will only be truly content with what we have when we know that we have him. And we will remember that we have him when we hear and believe his voice. God Has Said When God said, “I will never leave you nor forsake you,” he was speaking to Joshua before little Israel went up to take the whole land of Canaan by force. A nation of nomads was about to invade a land filled with enemies bigger and stronger than themselves. Not one army, but many (Joshua 3:10) — and not our turf, but theirs. Israel’s only confidence was that God had told them to go.  He had said . What did he say? The foreign land you are about to enter is already yours (Joshua 1:3). No enemy, no matter how many or how strong, will be able to defeat you (Joshua 1:5). And most promising of all: “I will not leave you or forsake you.” ‘I Will Never Leave You’ “Both anxiety and greed rise in our hearts as God’s words fall.” This great promise will fall flat if we think mainly in terms of geography and not fidelity.  Of course  God will never leave us because he’s everywhere all the time. “If I ascend to heaven, you are there! If I make my bed in Sheol, you are there!” (Psalms 139:8). But we see God’s  fidelity  in the very next verse, “If I take the wings of the morning and dwell in the uttermost parts of the sea, even there your hand shall lead me, and your right hand shall hold me” (Psalms 139:9–10). If you are his, he will not leave you; he will lead and protect you. When Joshua stared out into impossible circumstances and enormous opposition, God said, “I will not leave you or forsake you. . . . Be strong and courageous. Do not be frightened, and do not be dismayed, for the Lord your God is with you wherever you go.” (Joshua 1:5, 9) When the author of Hebrews saw what followers of Jesus would face, and how they would be tempted to wander, he went back to those same words (the only time this promise is quoted in the New Testament), “He has said, ‘I will never leave you nor forsake you’” (Hebrews 13:5). You will never be alone. No matter how desperate and alone you feel, no matter how much opposition you face, no matter how precarious your circumstances become, he has said,  I will be with you.  His presence can calm any fear — if we don’t forget that he’s there, he’s near, and he’s attentive. What You Don’t Have The author of Hebrews, however, wasn’t warning about Canaanites, Hittites, Hivites, Perizzites, Girgashites, Amorites, and Jebusites. His readers, who were Jewish converts, were facing intense persecution, but from within their own nation — from their own communities, even their own families. And as the scorching friendly fire fell, an even more threatening enemy emerged within their hearts: their own cravings and desires. He says, “Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you’” (Hebrews 13:5). When Western Christians today read, “Be content with what you have,” we might assume the Christian has enough. We may hear, “Don’t long for more than you need.” But many of these young converts were being thrown out of their families, cut off from all provision and protection. To follow Jesus was to embrace abandonment and accept poverty. So, many of them were being called to be content with what they did  not  have. “The seed of unnecessary fear in the heart of a Christian is forgetfulness.” Discontentment suddenly doesn’t seem so unreasonable. Some of them went without food — for Christ. Some of them had only the clothes on their back — for Christ. Some of them lost their homes — for Christ. Some of them “joyfully accepted the plundering of [their] property, since [they] knew that [they themselves] had a better possession and an abiding one” (Hebrews 10:34). If  they  could be content with what they had, and didn’t have, how can we not learn to be content with what we have? Grace Enough Be content with what you have.  Are there six more terrifying words in a culture like ours? They certainly land on me like six sharp cannon blasts. Don’t let your heart endlessly pine for what you might have one day, but cultivate satisfaction in what God has given you for today. The word for  content  is the same word in 2 Corinthians 12:9, when Jesus says to the apostle Paul, “My grace is  sufficient  for you, for my power is made perfect in weakness.” Paul responds, “Therefore I will boast all the more gladly of my weaknesses, so that the power of Christ may rest upon me. For the sake of Christ, then, I am content with weaknesses, insults, hardships, persecutions, and calamities. For when I am weak, then I am strong” (2 Corinthians 12:9–10). Paul’s message is not like so many contentment gospels: If the Lord gives you less, make lemonade. Rather, he says,  If Christ gives you less, boast in your less, because you get to see more of him in your less.  His grace is sufficient to cover any deficiency in us. If God is that big, and grace that sweet, then we are able to say what the vast majority cannot say: “If we have food and clothing, with these we will be content” (1 Timothy 6:8). We will not be simply appeased, but pleased, because our deepest joy does not rise and fall with what we have (Philippians 4:11). How Silver Kills a Man If we want to be content with what we have, however, we have to be free from the love of money. As Paul warns, “The love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs” (1 Timothy 6:10). And through this craving, many have forfeited contentment and forgotten what God has said. Intimacy with God loses its value as we fall deeper in love with our currency (and all it buys for us). “We will only be truly content with what we have when we know that we have him.” If we keep flirting with money, we will make ourselves sons of Judas, who traded God himself for thirty pitiful pieces of silver (Matthew 26:15). But even before he died, Judas knew he had been had (Matthew 27:3). He had grossly overestimated money and misjudged the love that no amount of silver could buy: “I will never leave you nor forsake you.” Could he not see how murderously unhappy the Pharisees were (Luke 16:14)? Still he couldn’t shake his cravings for more, even if they cost him everything. If we could feel the horrible realization he felt after trading Jesus away for money, would we not race to give away every possession necessary to have God? Would we not gladly have however little in this life to gain him in the next and forever? Content and Courageous What does contentment sound like? True contentment does not sound cheap, shy, or docile because it often requires profound strength and lionhearted courage. Hebrews continues, “He has said, ‘I will never leave you nor forsake you.’  So we can confidently say , ‘The Lord is my helper; I will not fear; what can man do to me?’” (Hebrews 13:5–6). As he looks out on this small army of Jesus-followers, facing want and need and worse, he turns from Joshua 1 to Psalm 118, which goes on to say, It is better to take refuge in the Lord      than to trust in man. It is better to take refuge in the Lord      than to trust in princes. (Psalm 118:8–9) Courage ties Psalm 118 to the promise from Joshua 1 because God says to Joshua three times, “Be strong and courageous” (Joshua 1:6–7, 9). And before Joshua heard those four words, Moses had said to him, “Be strong and courageous. Do not fear or be in dread of them, for it is the Lord your God who goes with you. He will not leave you or forsake you” (Deuteronomy 31:6). When you are tempted to worry about how much you have, set your mind on what  he has said . If the true God is your God, he goes with you. He knows what you need (Matthew 6:32). And knowing all you need, and all you will face, he will never leave you nor forsake you. Therefore, we can be courageous wherever his hand leads us, flee the shiny promises of silver, and rejoice in what we have. Most of all, we can rejoice that we have him.

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