For years, I struggled to reconcile my passion for ministry and the marketplace. As a young minister, I found myself equally intrigued by the stories of great evangelists and the stories of entrepreneurs that used their influence to change the world. While the aspiration to be like the men and women I admired was immense, my reality painted a different picture. I was broke. Not only was I broke, but I faced the hard truth that I did not have the financial resources to accomplish what I felt God was calling me to do in ministry. Please don’t get me wrong, money does not make a ministry successful, but it sure does help. After all, the Bible states: “Money answers everything.” (Ecclesiastes 10:19).
As a Campus Staff Minister at a major Christian non-profit, I was tasked with raising a substantial budget to support the work of ministering the Gospel to students at Wesleyan University. After eight months of meeting with fundraising coaches and pitching the ministry to over 200 potential philanthropic partners, I was only able to raise half of my original fundraising goal. Little did I know that my failure to secure funding would be the catalyst to discovering my destiny in Christ.
Like many other young ministers, my desire to be an entrepreneur was distinctly separate from my desire to preach the Gospel. Because of this, I attributed my failures to lack of networks, lack of skill, and poor personal leadership, only to find that the deeper issue at play was that I was inauthentically engaging the call of God on my life. God called me to be a minister and an entrepreneur. In essence, an “EntreVangelist.”
I had spent nearly a decade preaching, serving on non-profit executive boards, traveling on missions nationally and internationally, and ministering in my local church. Yet, I never thought of taking the skills I acquired in ministry into the marketplace until I received what seemed to be a random call from a multi-millionaire asking me to work for him. He remembered my fundraising pitch from years ago. Now, it was his chance to pitch his multimillion-dollar project to me.
During the interview, I listened intently, mentally documented the areas needed for improvement, and made a suggestion that changed the project’s trajectory. Within a few weeks, I became the lead consultant. From that point on, I leveraged the skills I learned in ministry to lead a team of consultants, hire staff, and successfully pitch the project to city officials. While this opportunity transitioned me into a better understanding of God’s will for my life, I realized that I was internally conflicted by my desire to minister outside of the confines of the box I created around my calling. To address this internal struggle, I needed to clear up a misconception within myself regarding ministering in the marketplace.
Misconception: Ministry and the Marketplace Must be Separate
The misconception that deterred me from merging my skills in ministry and the marketplace was that I believed they were distinctly separate. Remember the story in the Bible where Jesus entered the temple courts and drove the money changers and merchants out of the temple? Well, for many that Scripture has been used to justify a separation between business and church; however, when one takes a closer look at Matthew 21:13, they will notice that Jesus declares: “My house will be called a house of prayer,’ but you are making it ‘a den of robbers.” This narrative focuses on the merchants and money changers perverting the House of God for personal gain. When Jesus forcefully redirects those exploiting the temple, He re-shifts the focus back to its primary use as a house of prayer. So, does this justify that the church and business should remain separate? The answer is no.
One thing to consider is that churches in America are legally and practically a business. Many, if not most churches have budgets, paid and volunteer staff, insurance, and boards of directors. In fact, the estimated hundreds of thousands of Protestant churches in America collect billions in revenue each year. They provide services, strategic planning, community development, networking events, conferences, and workshops that are considered valuable services in secular industries. A critical concept to understand is that the Church is a business and a ministry. As stewards entrusted with leading both, we should never forget that the primary function of the Church must always remain for the worship of God.
The barbershop serves as a default counseling center and community center for many Black men. But for barbers who are believers, it becomes a place for ministry. Meet Clayton Taylor, a minister and barber who sees his barber chair as his pulpit. UrbanFaith Contributor Maina Mwaura sat down with Taylor to discuss what it is like to be a barber who shares God’s love from behind the chair.
UrbanFaith sat down to interview Touré Roberts, the visionary leader and founder of ONE (formerly OneChurch LA) to discuss his new book Balance.
Touré Roberts is a man who wears many hats. He is a husband, father, producer, pastor, author, speaker, and business executive with churches and homes in two cities. His wife Sarah Jakes Roberts who wrote the foreword to his most recent book is one of the most sought after speakers in the country. Saying Roberts needs balance to maintain his success is an understatement. But Touré has uncovered an unconventional approach to balance…as a place to live from. An overview of the book is below.
Imagine learning to tap into the awareness, the sensitivity and highest thought patterns that enable the most successful outcomes in life, love and business. What would your life look like if you were able to break the patterns of inconsistency that keep you from your absolute best? These goals are not only possible—they are what you were made for! In Balance, bestselling author Touré Roberts guides us on the eye-opening journey that unpacks the divine formula that makes this a reality. This illuminating guide brings a unique and eye-opening perspective to the evasive concept of balance.
WASHINGTON (RNS) — The Rev. Melech E.M. Thomas attended two seminaries and graduated from the second, a historically Black theological school, in 2016.
That academic journey has put him in the pulpit of an African Methodist Episcopal Church in North Carolina.
But his pursuit of a Master of Divinity degree also left him about $80,000 in debt.
“The tuition was less, but I still had to live,” he said, describing other seminary-related costs after his transfer from Princeton Theological Seminary to the Samuel DeWitt Proctor School of Theology at Virginia Union University. “I’m in seminary full time. And I got to make sure I’m paying rent, that I’m eating, all those other expenses.”
Thomas traveled to the nation’s capital in early February for a meeting with other graduates, leaders and students of Black theological schools to discuss possible solutions for the disproportionately high debt of Black seminarians.
Delores Brisbon, leader of the Gift of Black Theological Education & Black Church Collaborative, said it’s important for leaders to understand the sacrifices being made by students who pursue seminary degrees in historically Black settings.
“We need to address this issue of debt,” she said, opening the collaborative’s two-day event, “and determine what we’re going to do about it.”
According to data from the Association of Theological Schools, debt incurred by Black graduates in the 2019-2020 academic year averaged $42,700, compared with $31,200 for white grads.
Data shows 30% of Black graduates in the 2020-2021 academic year had debt of $40,000 or more, compared with 11% of white graduates.
Thomas, 34, said his debt, necessary to achieve his degree and gain ordination, has led to a church appointment that “pays me enough to pay rent,” but not his other living expenses. Yet, Thomas said he knows he’s in a better situation than some other graduates of historically Black seminaries.
“I’m grateful,” he said. “But it’s extremely tough.”
The collaborative includes five Black theological schools — Hood Theological Seminary, Interdenominational Theological Center, Payne Theological Seminary, Samuel DeWitt Proctor School of Theology and Shaw University Divinity School. Lilly Endowment Inc. has given three grants between 2014 and 2020 totaling $2.75 million to the In Trust Center for Theological Schools to help facilitate coordination and increased mutual support between the schools, including the recent meeting about student debt.
The Rev. Jo Ann Deasy, co-author of a 2021 report on the ATS Black Student Debt Project, told the dozens gathered at a Washington hotel that the project came about as researchers discovered how “Black students were just burdened by debt more than any others.”
She said ATS is seeking to help change perceptions about what the project calls the “financial ecology of Black students” as seminarians seek training to become religious leaders, churches hope to hire them and theological institutions consider expanding financial networks to aid them.
“We’re trying to help people shift their understanding of finances from really individual responsibility to a broader systemic understanding of how finances operate in our communities and in our churches,” she said. “This is just a part of that shift toward understanding that it’s not the students’ fault but that this is a bigger issue that we need to address together.”
The report described “money autobiographies” of students who sought financially stable circumstances as they attended theological schools, whether historically Black, white or multiracial.
“They noted the disparities in financial support, particularly from congregations and denominations, between themselves and their White colleagues, a disparity that was often not seen or acknowledged by their peers or the institutions they attended,” the report states.
The average annual tuition for an M.Div. — before any scholarships are considered — is $13,100 for free-standing Protestant schools and $12,500 for Protestant schools related to a college or university. Chris Meinzer, senior director and COO of ATS, said that, on average, it takes students about four years to complete an M.Div. degree.
Seminary graduates who attended the Washington event spoke of having few scholarship options and having to take out loans to pay for expenses including or beyond tuition.
“It’s the cost of being enrolled and the cost of student fees along with your books,” said the Rev. Jamar Boyd II, senior manager of organizational impact at the Samuel DeWitt Proctor Conference, which supports African American ministries. Depending on the class and the number of books required, it could amount to as much as $600 to $700 in a semester, said Boyd, 27, a graduate of Virginia Union University’s theological school.
“If you’re a full-time student taking three or four classes, that’s a paycheck,” he said.
Minister Kathlene Judd, a theologian in residence at an Evangelical Lutheran Church in America congregation in North Carolina, said she eventually chose debt over the mental stress of working, studying and supporting a family at the same time.
She worked in information technology as she went through seminary and continues that career as she pays off her debts after originally hoping to pay for seminary without taking out loans.
“If I’m being fully transparent, I had no idea what I was getting myself into,” said Judd, 38, who graduated from Shaw University Divinity School in 2020.
She said it was a “big decision” to borrow money to continue the education she felt God called her to pursue.
“But honestly, it came down to my mental and emotional health,” she said.
Many students and grads, like Judd, are at least bivocational.
The Rev. Lawrence Ganzy Jr. is in his fourth year at Hood Theological Seminary, where he attends a track that allows him to pastor an African Methodist Episcopal Zion Church in South Carolina while taking classes on Friday nights and Saturdays. During the week, he’s an admissions officer for Strayer University.
Prior to seminary, his work through the Carolina College Advising Corps, a government program for University of North Carolina-Chapel Hill graduates to counsel low-income high school students, helped him afford the start of his theological studies.
“That paid for my first year of seminary,” said Ganzy, 26. “Then when I got to the next year, that money was gone.”
Keynoting the opening night of the collaborative meeting, the Rev. Michael Brown, president of Payne Theological Seminary in Wilberforce, Ohio, pointed to the portion of the Lord’s Prayer that says “forgive us our debts as we forgive those who are indebted to us” in the Gospel of Matthew.
“Debt keeps us chained to the past and it doesn’t open up possibilities for the future,” he said, “and so the idea of the forgiveness of debt in the Lord’s Prayer is that it releases you to do things for God.”
During the event, graduates spoke of the additional financial struggles they faced, such as debt affecting their credit scores as they try to purchase a car and escalating rent, sometimes in historically Black neighborhoods that have been gentrified.
Brisbon pointed out that Black theological schools may have small endowments and may not get support from their alumni, in part because of the often-lower salaries received by their graduates.
“Black preachers may love their school as much as somebody else but they can’t give money that they don’t have,” she said.
The ATS report noted that a 2003 Pulpit & Pew study found that, on average, Black clergy salaries were about two-thirds those of white clergy. In a 2019 Christian Century essay, scholars noted that a study by the Samuel DeWitt Proctor Conference found that one-third of Black pastors believed they were “fairly and adequately compensated as a professional” while 67% said that they had “particular financial stress” at that current time.
The Rev. Leo Whitaker, executive minister of the Baptist General Convention of Virginia, told Religion News Service that some clergy in the more than 1,000 churches in his Black state denomination are often “bivocational if not trivocational” to make ends meet, especially when they are located in a region like the state’s Northern Neck rather than the city of Richmond.
Whitaker suggested to collaborative members that they look to U.S. government programs that offer debt forgiveness to educators and doctors who serve in needy communities, noting they should offer the same for seminary grads. He hopes collaborative members will discuss his idea with seminary and education officials.
“You’re serving a stressed community and you’re financially stressed yourself without the ability to make the necessary funds and it’s not about them having a choice of where they choose to serve,” he said, noting that Methodist bishops appoint clergy and Baptist clergy go where congregations have called them to serve. “In ministry our location is not always assigned to us by choice.”
Bishop Teresa Jefferson-Snorton of the Christian Methodist Episcopal Church, a historic Black denomination, said laypeople and clergy may not be aware of the sacrifices made by seminarians and recent graduates as they pay seminary tuition that is far more than what she paid 40 years ago.
“Most of our highly organized denominations don’t really have a grasp on what they are actually doing or not doing to support theological education,” Jefferson-Snorton added. “Although in many cases we promote it, we encourage it. But we don’t resource it and I think that needs to be brought to the attention of the church.”
RNS receives funding from Lilly Endowment Inc. RNS is solely responsible for this content.
In church, we often hear people make reference to “being a good steward over what God has given us.” But do we really know what that means?
Many would argue that the Bible talks more about money and stewardship than almost anything else. That suggests to us that what God has to say about money is pretty important.
Yes, there are more ways of practicing stewardship than ways that involve money, but money is what people struggle with most. Let’s address God’s posture toward our finances this particular article—we’ll save parts II and III on personal finance tips and church finances for another time.
First, many Christians have an incorrect biblical understanding about money. I can’t tell you how many times I’ve simply mentioned money and a Christian said, “Don’t talk to me about money. You know the Bible says that money is the root of all evil!” Well… no, it doesn’t. First Timothy 6:10 says that “the LOVE of money is the root of all [kinds of] evil.” And that makes a big difference. Money itself isn’t evil. Money is necessary. It’s the love of money that makes people do evil things to acquire more money. Essentially, the Bible is warning us not to make money our idol or god. If Christians spend their time avoiding money conversations, how can we expect to acquire any money or manage the money we have well?
So how does the Bible say we should manage money? Luckily, Jesus gives us a parable (a short story that makes a point) about managing money! But it might not be quite what you realized when you heard it in Sunday School or heard it preached…
Matthew 25:14–30 and Luke 19:12–28 are parables about financial investment that Jesus tells to illustrate what the kingdom of God is like. Yes, you read that right. Jesus tells a story about stewardship and managing currency (fittingly called “talents,” making it translatable to non-monetary gifts as well) to illustrate what God’s rule is like. The stories have some minor differences, so I’ll stick with the more popular version in Matthew 25.
Briefly, the story goes like this: a man has three people that work for him. (We can call them servants or employees.) He leaves them five talents, two talents, and one talent, respectively, while he travels to another country. (A talent could be interpreted as a way of making money or money itself. For this, let’s just say a talent is worth $10,000.) When he comes back after a long time, the first employee now has ten talents ($100,000), the second has four talents ($40,000), and the last one gives his talent ($10,000) back to his employer. The employer rewards the two servants that made him money, but calls the other one wicked and “cast[s] the unprofitable servant into outer darkness” where it says there’ll be “weeping and gnashing of teeth” (Matthew 25:30, KJV). Yeah… he sends the unprofitable “wicked” servant to (symbolic) hell.
Whoa! That’s what the kingdom of God is like? According to Jesus—yep. But let’s unpack what this story is trying to tell us. It’s not saying that if we don’t make money (for God or ourselves), we’re going to hell. It’s something much more subtle and fundamental. So here are the three reasons the employer (who presumably represents God in this parable) is upset and what God is trying to tell us.
1. “Talents” lose value over time unless you grow them.
One of the first things that any good finance class will teach you is the time value of money, which simply means that money today is worth more than the same amount in the future. For some, this concept can be hard to understand, but trust me, it’s true. Money today can be invested sooner and gain more interest, so it is always worth more if used. And that’s before we consider inflation. In telling the story, Jesus is pointing out that the talents/money/earning potential that the master gave the servants was a gift that the master expected to be used for his benefit. (Sound familiar?) Jesus is clearly indicating that humans are God’s servants and that He expects us to use our talents (monetary and non-monetary) to His benefit. (The text doesn’t say “after a long time” he “settled accounts with them” for no reason; it’s symbolic of our lifetimes (Matthew 25:19, NIV).)
2. The servant wastes the talent that the master gave him.
I did say it’s only worth more if used. That’s why the Lord was so upset—the servant didn’t use the talent he was given. That means he not only wasted the talent itself (because it is worth less now than it was when he gave it to him), but also wasted all of that time that he had the talent. Imagine how much that single talent could have grown and been enhanced, but by hiding it instead of using it, he robbed it of its value. Unfortunately, some of us are guilty of doing the same thing with God because, like the servant in the stories, we’re afraid of messing up with the talent we have. This story warns us that the way to really mess up is to hide our talents and money out of fear and not utilize them for God’s glory
3. The servant/employee doesn’t put in any effort.
The biggest tragedy of this parable is that it didn’t have to end up that way for the third servant. The master points out that even if he feared him, hiding his talent (i.e., putting his money under a mattress) was the worst thing he could’ve done with it. He says, “You could have at least put my money in the bank so that it could have gained interest!” (Credit unions are also a great option these days.) This suggestion serves to tell us that even a little growth is better than no growth. Yet for some reason, many Christians think that as long as we present God with what He gave us, we’ll be fine. Not so. If we don’t help grow God’s kingdom, even a little bit, then it is as if He had not given us any gifts or talents to begin with. Putting the money in the bank was something simple that did not take much effort; how often do we not put in the effort to speak with someone about God or to pay our tithes and give our offerings? When we don’t put in the effort required to grow what God has given us, we are being the wicked servant Jesus warned us about.
In conclusion, many Christians erroneously believe that if they had more money, they would do better with it. Others say that when they make more money, they’ll pay their tithes, yet when a raise comes, they simply spend more money and never tithe. Based on the Scripture, if we did a better job of managing the little that we had, not only would we have more as a result of our good stewardship, but God would bless us with more. This is what I believe Jesus means when He says, “For whoever has will be given more … Whoever does not have, even what they have will be taken from them” (Matthew 25:29, NIV). To God, if we don’t put forth the effort to grow a little, then we won’t have the “talent,” skill, or practice needed to manage something greater.
In her new book, Seller of Purple, Dr. Tasha M. Brown lays out a solid framework for newbie women entrepreneurs.
Stepping out on your own and deciding to start a business can be daunting. Most people know going in that there’s going to be a lot of time, effort, money, and sacrifice to make your entrepreneurship dreams become a reality. And if you’re a woman who is juggling work and life balance, being an entrepreneur can sometimes have its own unique challenges.
In her new book, Seller of Purple, Dr. Tasha Brown lays out a solid framework for newbie women entrepreneurs. A seasoned entrepreneur herself, who has founded six businesses and two organizations, she weaves in her sage advice with biblical principles and role models. Urban Faith® had the opportunity to chat with Dr. Brown about her new book, her practical advice for budding entrepreneurs, and what we can learn from some of the women entrepreneurs in the Bible.
When should you not venture out on your own to be an entrepreneur?
People who really need to work a job, get their credit together. Or you need to build up some capital, save up some money. Because at the core of entrepreneurship is financial risk. If you’re not in a position to do that, if you need to feed your family, then maybe you need to work a little bit. It doesn’t mean that you can’t branch out into entrepreneurship later, but there are just some things you have to have in place.
Will you have to have a quarter of a million dollars to launch out?
No, not necessarily, but should you work towards having at least $200 to pay for the Articles of Organization. Yeah. And so there are some individuals who are thinking, “I just need to launch out. I’m going to give up everything and start being an entrepreneur.” That is quite possible, but it’s just a little easier if you can manage that financial risk by planning.
What organizations have you started?
I started the Women’s Leadership Network because I recognized a gap in leadership development for women in ministry. And so back from 2008 to 2011, I was working on my Doctorate of Ministry in Pastoral and Spiritual Care. And my thesis was around women in leadership or women in ministry navigating the leadership waters. It was my hypothesis that women did not have the same type of informal spaces to learn and grow as men. And so I wanted to create that space. And then most recently the Arise Prayer and Outreach Ministries.
You’ve got makeup and hair products in your portfolio. Why did you get in the beauty business?
In 2010, I was diagnosed with breast cancer. My sister was diagnosed in 2007. And so she went through her procedure in 2010. When I was diagnosed I did not have chemo or radiation, but I did have a mastectomy. And in 2011, I had what’s called an oophorectomy. I had my ovaries removed. And so in 2011, I went into menopause. And as your body ages, as you age, there’s hair loss. I also had to take a pill daily to prevent the cancer from returning and that also caused hair loss.
And so when you are going through a stage of your body changing, you look for really quick ways to feel beautiful. And so I already was in the space of having a body that was aging well beyond my 35 years of age when I was diagnosed. And so it was at my 40th birthday in 2015, that I was with my cousins and I told them that I would use mascara and edge control to cover up my edges. And I was like, “We need to create something. We need to create something.” And Dem Edges was born. Dem Edges Tinted Edge Control. And in 2016, Dem Edges was brought to the marketplace. But I didn’t want to be a one-trick pony, so I worked with someone to get a lipstick line. So it came really out of a space of being a breast cancer survivor, wanting to feel beautiful and I didn’t see things out there that really would help me.
How do you keep your faith when it comes to starting something new? Is it tough when sometimes it works and sometimes it doesn’t?
Initially, it was. In the beginning, I just couldn’t understand because I felt like I had this vision. I felt like God was leading me in a particular direction. But on the other side of those experiences, I recognize that number one, it was really important for that to happen, the experience to occur. Because in that failure was a seed, a seed of success. In that failure was a seed of wisdom, a seed of knowledge, a seed of information. And so that failure provided so much data that informed the next steps. I mean, it’s the same thing as an inventor or even someone who is in a lab, a chemist. They’ll try different things and learn what not to do. What do I need to pull back on? What do I need to add more of? And so I’ve just learned through my walk with the Lord that there is seed in that failure. And then the second thing I learned is that God is not bound by my time, just because I think it needs to happen the first time out the gate, doesn’t mean that God is like, “Yeah, it does have to happen the first time out the gate.” Sometimes I’ve got to take a couple of laps around, but I’ll still get that wind. So I just have to trust God’s timing in all of it.
What went wrong?
Small things got us ensnared, like not filing the annual report, and just not having a business process in place. Our heart was in the right place, but we didn’t have the business acumen. We didn’t have the tools. Just not having the knowledge to keep it going.
If you could go back to when you started your business, though, what advice would you give yourself?
I would tell myself it’s a marathon, not a sprint. There is such a misconception that you become an overnight success and that people are just exploding on the scene. Well, a lot of preparation goes into that moment. And so recognizing that you may have some success right out the gate, but you have to keep planning for recurring success. It’s the long game that really works. It’s not, “Man, I did $75,000 in sales. That’s great.” And then you stop. Well, no, you gotta keep going. And so to understand and not get seduced in the trap of the immediacy of the instant gratification, but to really look further and to plan for the long haul. That’s what I would tell myself.