Archives by: Gary Hoag

Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? Luke 16:10-11

“Patrick Henry wrote into his will that if he had left nothing in terms of worldly riches but had given his heirs faith in Jesus Christ, then they were of all people most wealthy. Conversely, he added that if he had left them with all the wealth in the world but had not left them a faith a Jesus Christ, they would be of all people most destitute.”

Patrick Henry as cited by Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 82.

My granddaughters and future grandchildren have been on my mind a lot lately. I don’t want to ruin them with money. I want to teach them to make it their slave. I want them to master worldly wealth so they get true riches.

Easier said than done! The world bombards them with opportunities to make poor financial decisions. For starters, I want them to learn the value of work (think: do chores) and understand saving, spending, and sharing.

Saving is the “margin” piece I’ve been writing about lately. It appears in daily practices as living on less than we make so we have resources or “margin” to live, give, serve, and love generously. It also enables you to meet unexpected expenses with funding.

The “spending” part is easy to teach, while the “sharing” piece will take a little more work. I like the word “sharing” as it represents the New Testament word for giving, koinonia, which can be translated fellowship, sharing, or communion.

Today I fly to Bogotá, Colombia (pictured above on my first trip there in 2023).

I will meet up with Paula Mendoza, GTP Chief Administration and Mobilization Officer, from Guatemala. Together we will activate two new workers. Eliana Ramirez begins her full-time service as GTP Project Manager for South America.

Eliana’s main project to manage is Palmful of Coffee. I am so excited about this. And she will not go at it alone.

Esther Zuluaga, already serves as GTP Country Coordinator for Colombia and Founder of the Peer Accountability Group, Foundation Orden Colombia. Esther joins GTP as a part-time contractor serving as Vision Architect for Palmful of Coffee.

Thanks for your prayers for a fruitful trip from 8-12 August 2025. And pray with me that Palmful of Coffee helps spread the gospel of Jesus Christ to the 2.5 million indigenous workers in the Coffee Triangle.

Imagine, they drink some of the best coffee in the world, but I want them to taste true riches. And I must add, this vision launches because a long-time friend put his arm around me and said, “let’s do this!”

I thank God for his sacrificial and generous giving!

If there is among you anyone in need, a member of your community in any of your towns within the land that the Lord your God is giving you, do not be hard hearted or tightfisted toward your needy neighbor. You should rather open your hand, willingly lending enough to meet the need, whatever it may be. Deuteronomy 15:7-8

“However, there is a danger of too much calculation in our giving. That danger is the subtle tendency to call the shots. The warm openness that once characterized our giving can gradually turn into tightfistedness. A miserly spirit becomes justified in the name of prudent and responsible giving.”

Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 75.

Foster brings a real danger into view today. To “call the shots” means we act like the owner of all we possess. Once we act like it is ours, we get tightfisted.

When we embrace our role as steward and obediently follow God’s instructions we find ourselves enjoying and sharing, sometimes helping others and sometimes receiving help.

John Stanley, a dear mentor and friend, has taught me that focusing on creating margin helps us proactively avoid the tendency toward of becoming miserly.

They both start with the letter “m” and take you down two paths. The soft hearted steward willing to share creates margin to do that. The hard hearted steward does too much calculation and becomes miserly.

How do we create margin? We don’t do too much calculation. We keep track of all supplies and put it to work faithfully with space for God to direct us in new ways. This positions us to receive and steward more for enjoyment and sharing.

This is life in God’s economy.

On the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it up, so that when I come no collections will have to be made. Then, when I arrive, I will give letters of introduction to the men you approve and send them with your gift to Jerusalem. 1 Corinthians 16:2-3

“With glad and generous hearts, let us keep in creative tension “reasoned” giving and “risk” giving. There is one kind of giving that carefully evaluates the track record of organizations and individuals, and another that gives without calculation. Both kinds of giving are essential.”

Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 75.

I love these two expressions: reasoned giving and risk giving. Reasoned giving is intentional, calculated, and distributed to trusted people. It follows the pattern of today’s Scripture.

But sometimes God nudges us to help someone who has made poor decisions. Risk giving says to help them not because they deserve it, but because God helped us when we were undeserving.

What if you made two gifts today? What if you sent a gift to ministry that you trust or that has undertaken a project? And what if you also gave a gift to aid someone who does not deserve it?

Sit with the Holy Spirit. Ponder the possibilities. Follow God’s leading in making reasoned and risk gifts.

When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me. 1 Corinthians 13:11

“When we have a spirit of thanksgiving we can hold all things lightly. We receive; we do not grab. And when it is time to let go, we do so freely. We are not owners, only stewards. Our lives do not consist of the things that we have, for we live and move and breathe in God, not things. And may I add that this includes those intangible “things” that are often our greatest treasures-status, reputation, position. These are the things that come and go in life, and we can learn to be thankful when they come and thankful when they go.”

Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 49.

I got to spend the day with my two granddaughters recently. They turned 3 years old and 1 year old back in April and I find joy watching them grow up. When I read the word, grab, in today’s reading I thought of them.

Children grab for things. They love to carry them around. And when they see what someone else has, they seem to only want to grab what the other person has. They grab for things and hold them tight.

God wants us to move beyond this way of thinking. He wants us to live open-handed lives as stewards and to share things freely. And He wants us to hold tightly to things more important than money and possessions as we age.

Today I feel a burden and passion to make sure my granddaughters get this. Do you have little people in your life that you can teach about stewardship and generosity? Make the most of the opportunity to teach them and set a generous example.

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’ Matthew 25:40

“Let us discover ways to get in touch with the poor. One of the most damaging things affluence does is allow us to distance ourselves from the poor so we no longer see their pain. We then can create an illusionary world that prevents us from evaluating life in the light of “love of neighbor”… Let us give with glad generous hearts. Giving has a way of routing out the tough old miser within us. Even the poor need to know that they can give. Just the very act of letting go of money, or some other treasure, does something within us. It destroys the demon greed.”

Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 35.

“Even the poor need to know that they can give.”

I shared with readers about Palmful of Maize, a vision GTP launched in Malawi in 2022. By way of an update, it’s already engaged the participation of 1,136,250 children to give. Those children have helped 10,474 starving people with compassionate care. Find other stats here.

Why mention that today? Needs about everywhere in the world.

God has resource people everywhere as well. He wants all of us to destroy the demon greed by doing what we can with what we have where we are. And when we do this for even the least significant people, we do it for Jesus.

I have learned that God does not just want me to give with a glad and generous heart.

He loves it when I encourage everyone I know to grasp life in this way. When I do, the hungry get fed. The hurting get a hand up. And in the process, he transforms misers into ministers. Join me in this work.

Or allow the deceitfulness of wealth to win and let your affluence destroy you. Strong words but they echo Jesus.

Later this week I head to Colombia to activate the project manager who will oversee Palmful of Coffee. Your giving to GTP spreads the gospel, advances accountability, and grows generosity in the hardest places.

Thanks for your partnership. Join the work in Colombia here.

And he told them this parable: “The ground of a certain rich man yielded an abundant harvest. He thought to himself, ‘What shall I do? I have no place to store my crops.’ “Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain. And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”’ “But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’ “This is how it will be with whoever stores up things for themselves but is not rich toward God.” Luke 12:16–21

“In the parable of the rich farmer who tore down his barns to make way for expansion, we have every indication of honesty and industry (Luke 12:16–21). We would call him prudent-Jesus called him a fool” … This radical criticism of wealth makes no sense at all unless we see it in the context of its spiritual reality. It is one of the principalities and powers that must be conquered and redeemed through the blood of Jesus Christ before it can use for the greater good of the kingdom of God.”

Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 31.

God’s design and desire for humans who experience abundant blessing is enjoyment and sharing. This goes all the way back to Abraham. ““I will make you into a great nation, and I will bless you; I will make your name great, and you will be a blessing.” Genesis 12:2

Notice the difference between Abraham and the rich farmer. One functioned as a conduit of blessing. So he got to enjoy and share abundance. The other operated as a container. The world calls him prudent and industrious. But in the story God called him a fool and took his life.

And don’t miss what God says. He will take yours too if you don’t choose the path of being rich toward God. “This is how it will be with whoever stores up things for themselves but is not rich toward God.” In this sense, generosity is the only prudent path to take.

I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings. Luke 16:9

“The very fact that we have the leisure time to read a book or watch television means that we are wealthy. We do not need to be ashamed of our wealth or try to hide it from ourselves and others. It is only as we admit our wealth and quit trying to run from it that we are in a position to conquer it and use it for God’s good purpose.”

Richard Foster in The Challenge of the Disciplined Life: Christian Reflections on Money, Sex, and Power (HarperOne: San Francisco, 1979) 33.

I enjoyed the last book by Foster so much, I’ve moved to another classic. This is a must-read if you have never read it. Today’s exhortation is to use whatever wealth God has entrusted to you to make friends for eternity.

My great grandfather (before my time) would say, our wealth is like a cup. God filled it so we’d have something to enjoy and share. But if we leave it in the cup, He cannot refill it. We must put it to work, use it for Him.

Today’s charge is to take inventory of what you have and put it in play to accomplish God’s good purposes. If fear holds you back, it reveals your trust is misplaced in that wealth. Don’t let your story end there.

Write a new ending. Put it to work. Use worldly wealth to make friends for eternity. And the welcome you will get in heaven will be unfathomable. You’ve got this. God’s got you.

But seek first His kingdom and His righteousness, and all these things will be given to you as well. Matthew 6:33

“Tenth, shun anything that distracts you from seeking first the kingdom of God. It is so easy to lose focus in the pursuit of legitimate, even good things. Job, position, status, family, friends, security—these and many more can all too quickly become the center of attention.

George Fox warns, “…there is the danger and the temptation to you, of drawing your minds into your business, and clogging them with it; so that ye can hardly do anything to the service of God…and your minds will go into the things, and not over the things…And then, if the Lord God cross you, and stop you by sea and land, and take [your] goods and customs from you, that your minds should not be cumbered, then that mind that is cumbered, will fret, being out of the power of God.”

May God give you—and me—the courage, the wisdom, the strength always to hold the kingdom of God as the number-one priority of our lives. To do so is to live in simplicity.*

Richard Foster (b. 1942) in Celebration of Discipline (San Francisco: HarperCollins, 1998) 95.

Today marks the last post from Foster’s list of ten practical steps for people to take to choose a lifestyle of simplicity. Shunning distractions means to abandon average or good for best.

How important is God’s kingdom to you? Are you willing to sacrifice everything else for it? Or do your treat it like icing on the cake of the way you want to live your life?

It matters not to me how you answer the question. What matters is whether or not you will be prepared to give an answer to Jesus when you meet Him face to face.

He cares not what we believe. Even the demons believe. He cares what we do related to what we believe. Avoid distractions and maintain your devotion. You’ve got this. God’s’ got you.

“May God give you—and me—the courage, the wisdom, the strength always to hold the kingdom of God as the number-one priority of our lives. To do so is to live in simplicity.*

“Is not this the kind of fasting I have chosen: to loose the chains of injustice and untie the cords of the yoke, to set the oppressed free and break every yoke? Isaiah 58:6

“Ninth, reject anything that breeds the oppression of others. Perhaps no person has more fully embodied this principle than the eighteenth-century Quaker tailor John Woolman. His famous Journal is redundant with tender references to his desire to live so as not to oppress others.

“Here I was led into a close and laborious inquiry whether I…kept clear from all things which tended to stir up or were connected with wars…my heart was deeply concerned that in [the] future I might in all things keep steadily to the pure truth, and live and walk in the plainness and simplicity of a sincere follower of Christ…And here luxury and covetousness, with the numerous oppressions and other evils attending them, appeared very afflicting to me…”

This is one of the most difficult and sensitive issues for us to face, but face it we must. Do we sip our coffee and eat our bananas at the expense of exploiting Latin American peasants? In a world of limited resources, does our lust for wealth mean the poverty of others? Should we buy products that are made by forcing people into dull assembly-line jobs? Do we enjoy hierarchical relationships in the company or factory that keep others under us? Do we oppress our children or spouse because we feel certain tasks are beneath us?

Often our oppression is tinged with racism, sexism, and nationalism. The color of the skin still affects one’s position in the company. The sex of a job applicant still affects the salary. The national origin of a person still affects the way he or she is perceived. May God give us prophets today who, like John Woolman, will call us “from the desire of wealth” so that we may be able to “break the yoke of oppression.”

Richard Foster (b. 1942) in Celebration of Discipline (San Francisco: HarperCollins, 1998) 94-95.

In America we like living on top of the proverbial global economy and want to keep it that way. After all, society says we earned it. Alternatively, I love the buy local emphasis I see across America.

It supports local people who do honest work. Though things often cost more, our purchases redirect resources from larger companies who tend to oppress workers worldwide. Imagine if Christians everywhere changed spending habits accordingly.

Think about it. Why would Foster say this emerges in our view as the most difficult and sensitive of issues? We justify getting a good price as good stewardship though it might come at the expense of others.

I see this in my global travels. Oppressed cultures have debt that jubilee would forgive, and people never have a chance to rise out of destitution. Rather than break the yoke of oppression, what do Christians do?

We give handouts that create ongoing dependency rather than a hand up to build disciples. We support the corrupt structures inadvertently through our purchasing of wares that oppress workers.

Why lean into such challenging topics with Foster? You and I will have to one day give an account for our stewardship to God.

Let’s spend in such a way that we can say we tried to do what we could to break the yoke of oppression.

All you need to say is simply ‘Yes’ or ‘No’; anything beyond this comes from the evil one. Matthew 5:37

“Eighth, obey Jesus’ instructions about plain, honest speech. “Let what you say be simply ‘Yes’ or ‘No’ anything more than this comes from evil” (Matt. 5:37). If you consent to do a task, do it. Avoid flattery and half-truths. Make honesty and integrity the distinguishing characteristics of your speech. Reject jargon and abstract speculation whose purpose is to obscure and impress rather than to illuminate and inform. Plain speech is difficult because we so seldom live out of the divine center, so seldom respond only to heavenly promptings. Often fear of what others may think or a hundred other motives determine our “yes” or “no” rather than obedience to divine urgings. Then if a more attractive opportunity arises we quickly reverse our decision. But if our speech comes out of obedience to the divine center, we will find no reason to turn our “yes” into “no” and our “no” into “yes.” We will be living in simplicity of speech because our words will have only one Source.”

Richard Foster (b. 1942) in Celebration of Discipline (San Francisco: HarperCollins, 1998) 93-94.

Today brings us to practical point number eight of ten from Foster. Notice how simple life can be when we root our thinking, speaking, and practice in only one Source. But we overcomplicate things! We do.

I had a remarkable time seeing old friends and making new ones in South Carolina this past weekend.

We talked about the fact that Jesus spoke clearly about what to do with money and what not to do with it. We discussed how we ignore Jesus and rationalize disobedience. I used an illustration that comes from my devotional book, Steward.

Inspired by the statement of C.S. Lewis that Jesus is either Lord, a lunatic, or a liar. I said, that related to money, Jesus is either stupid, a socialist, or Savior. Of course, I land on Savior.

I explained that we ignore the teachings of Jesus on money as if He is stupid and we know better. Notice how “yes” (commitment to obey and follow Jesus) becomes “no” (we Americans know better than Jesus on money).

I continued that some wrongly see the voluntary sharing Jesus encourages us to practice as some form of socialism (so again, we Americans choose an entitlement and ownership mentality of all we possess instead of sharing as obedient stewards).

I finish by saying that Jesus is Savior, because His teachings aim not to rob us but help us. They point the way to life and literally save us from ourselves.

Anyway, if you want to live generously, don’t overcomplicate things. Chart your course with words from only one Source.