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.
As our world becomes more divided and we seek to reconcile with ourselves and our neighbors we know we need God more than ever. But how can we hear and follow God in the midst of our fractured reality in ways that are faithful and life-giving? UrbanFaith sat down with the artist, activist, and creative Sho Baraka to talk about his new book He Saw That It Was Good, which helps us think through some of the most pressing questions of our world to see the beauty and purpose of God’s creation expressed in our lives. The full interview is above and the excerpts below have been edited for clarity and length.
Hello UrbanFaith. We have with us one of our very own gems of our generation, as I like to say, an artist and activist. He’s a historian. He’s an author now, and that is Mr. Sho Baraka. With his book, He Saw That It Was Good. And we’re going to be able to talk with him about this book, what it was that he’s thinking, and how he’s thinking through these things, because I just feel like he’s got wisdom to drop for us today. So Sho, good to have you.
My first question for you is one of the ones that people ask all the time, I know you as an artist. A lot of people have encountered you in that space. What made you decide to write down your thoughts in this book and continue to integrate your art in this form?
I think ever since I recognized that I was a creative, I think I’ve always wanted to write. As a young child, I wanted to write novels, short stories. But like my own experience, as I got older, I got introduced to hip hop and poetry from the Harlem Renaissance. And my desire for art kind of moved towards poems and music. And so I pursued more hip hop than I did writing and poetry. But I got to a place where I felt like there were there were some things that music couldn’t really quite communicate. And when we got around 2016, the political landscape started to get real divisive. People were shouting at each other, friends became disintegrated. And I said, you know, music is great, music has this place of disarming people and communicating things in ways that are really helpful to society, getting us to reimagine our world. But I feel like, I need to communicate a very straightforward, more poignant message, and also exercise these muscles that I’ve always wanted to exercise. And so in 2016, is when I really [started] to process through. All right, I think I want to write a book. The question was, what type of book?
And a lot of people wanted me to write a book about race. Because I talked about race a lot. A lot of people wanted me to write a book about politics, because I wrote about politics sometimes. But the reality of it is I’m no expert in either one of those arenas. And so what I wanted to do was say: well, what is my personal, ethical, and theological approach to work? Creativity in telling stories, which is informed by race, which is informed by politics, which is informed by our personal experiences, and therefore I can talk about race, I can talk about politics, I can talk about creativity. But ultimately, I want to show how all of those things affect how we work, and how we and how we create and tell stories in this book.
I love it. You mentioned how you’re bringing in so many different things. You talk about race here, you speak, you do poetry, you do short stories in here. You’re bringing in history, you’re talking about creativity and theology. And I would say that that makes this a true theological work because us understanding God and ourselves is multiplicity, right? And so I wonder why do you think that’s important that you’re able to bring together all those different pieces of yourself? In order to share a message why is it important that we do that kind of work?
Yeah, I think you hit on it. I think oftentimes in theological posture in America, we’ve separated. Really, we’ve created a bifurcation of the body and spirit. You know, like there’s there’s ways to fake it and there’s ways to be. And I think Jesus very much so, the Bible very much so teaches us how to be comprehensive in our beings.
[It’s okay] to weep. Jesus is very emotional with people, he has these wonderful physical relationships with people, but he also is very didactic and theoretical and philosophical. And oftentimes, we feel that we can only exist in one or two spaces. The gist, I believe, and I think this book is arguing as well, is historically, the black Christian posture has done a great job of doing both. Because you can’t separate the spiritual element, like the theory or the up in the air aspect of like, we know that Jesus is real, we know God is real. We know we believe [even when] we can’t quite feel him in that sense. But there’s also this physical aspect of: we need liberation. There’s a physical, there’s a physical desire we have, we’re on this plantation, you know, I mean, we’re asking the Lord to be rescued. But at the same time, we know that…there’s a here and now need, and then there’s a future glory that we’re going to see as well.
And Christian faith in the black tradition has always been tethered to justice. So it’s always been tethered to this physical aspect of redeeming the world that has been broken, as well as this intellectual, inner introspective. Kind of how do I how do I wrestle with my own existential experiences, if you will. And to jump to the end of the book and kind of steal some of its glory, I talked about one of my favorite people, George Washington Carver. And that I think he had this wonderful mysticism, and I don’t want to say mysticism to scare people away from…the true and the actual, but there is a bit of mysticism about our faith. And we see that throughout the scriptures. But George Washington Carver had this physical felt God, let me relationship with God, that I think we often look at is weird to have, well, he knew nature. He knew the plants he knew. He knew that because he knew God years and his relationship with God and formed his work and his relationship. So much so that he spoke to plants. Yeah. And people who said, “It’s crazy.” And so for me, what I say is there’s this aspect of us, coming into this full, comprehensive understanding of what the gospel is. It’s not just this intellectual understanding, it’s the physical body, it’s how do we get connected with our bodies, and in the sense of that, how that impacts our communities and the things we make and create.
So last question for you. And this is one of those easy takeaways, what is it that people can do? What is it that we should do now in order to live into our vocation to make a difference? How can we approach finding our next is a better way to say it?
Yeah, that’s a good one of the things I this is, you know, this is not gospel, but this is just my own personal observation. I think when we think about the word calling, I think, oftentimes, we just think about what am I good at? What what’s my skills, and let me go pursue that. And I, you know, that can be very romantic and poetic, but often think that also has its problems. I think the way we should view calling is, where’s their need? And where has God led me to fulfill this particular need? Because we see that throughout Scripture, we see Moses being called to a problem. And Moses is like, well, I don’t know if you got the right guy. And God is like, No, I’ve got the right person, I just need you to go do it. And but the reality is, is Moses does have the skill sets he was born into, I mean, he was raised in the palace, you know, he knows the laws, he knows the culture. And so to send Moses back is the most wise actions you can do. And so Moses can say he’s like, but this is not what I want to do. Oftentimes, we got to get past what we want to do in order to really see great change in our society.
I hope that we start seeing vocation apart from something we just do, but it’s a part of actually creating and cultivating society. So oftentimes, you will think of artists and creatives of people who actually create culture. But the reality is, is every vocation participates in the building up of a culture of a society. And the more we wake up every day, seeing that we have this canvas, and we can paint this beautiful image of God without work, then the more intentional we’ll be about the work, we, we choose how we work every day, and how we, you know, view other people’s work. And so don’t just work at a place just to get a check.
But if that is you, if you are in a place in your life, where you only when you have to work just to provide Yeah, a lot of us are in that situation, then figure out how do you do that for the glory of God, you know, me? Because I know some people don’t have the luxury of picking a path and picking a career. Some people just have to pay bills. Yeah. But understand even in that, that’s, that’s important. That’s just that’s God glorifying, like your work doesn’t have to be tied to some sort of social good in order to be transformative. And if you’re working at the drive thru, well, the way that you come to work and the environment, you try to create the way you interact with the customers creates culture. It creates an environment. And so I look at chick fil a, the one thing you will know about chick fil a is when you go into chick fil a people don’t be foul. They don’t be smiling, they will say My pleasure, you’re going to get a wonderful experience. I don’t know if that person can have a moment. They can have the worst day ever. They can be mad, but they don’t least fake it. Yeah.
They’ve created a culture and an environment. And I think a lot of chick fil A’s business is because of that. Yeah. what you can expect from the environment. Imagine if we all had that posture where I work, I’m going to work even if I don’t like the job to create an environment of my pleasure. And that’s that’s kind of like the way we should view our vocation. So those are a few things I think that we can do.
Recently, a co-worker shared something that enlightened me. They always used a financial counselor to advise them on various decisions that they needed to make regarding their finances and investments. However, they didn’t seem to be satisfied with the outcome of their investments.
They shared with me that, after talking in detail with their spouse, they decided to learn more about investments and the stock market. They signed up for classes and realized they could actually manage their own financial portfolio. They took charge of their investments and began to see a positive turnaround within the first few months of releasing their financial counselor.
They seemed confident about what they had learned and we’re looking forward to managing their financial portfolio in the months and years to come.
The biggest fear that many people have, is the fear of not knowing what you don’t know. That sounds odd but it is true. What you do not know about your finances, or financial health, may seem scary to some to the point of denying its existence or choosing to deal with it when things get really tough.
God desires for us to have balance in everything we do. Having the confidence to handle your finances is a commitment you have to make to yourself. Hosea 4:6 states “My people are destroyed for a lack of knowledge” KJV.
If people are bold enough to admit they do not know, they take the time to educate themselves in the areas that matter to them. So, why not us, children of the faith?
There are so many resources on finances. The question you need to ask yourself is, “What is my area of struggle when dealing with money?”
Is it a saving problem? Most likely you have not established boundaries and self-control, and you may need to set up a budget to stick to it.
Do you have unrealistic goals and expectations that leave you disheartened each month when you review your finances?Set goals for yourself that will boost your confidence because you are able to achieve them. This will result in becoming a better steward of your money because you have established a level of faith in yourself that you are capable of meeting goals when you set them.
Are you drowning in debt? Find out the exact amount that you owe so that you can establish a precise plan of tackling it.
When it comes to money, you have to be bold and face the issues head on. If you are tremendously blessed financially and have no issues with money, find ways to educate others to live in that liberty that you have been blessed to experience.
I learned a great lesson from that co-worker. What you don’t know, you can learn, and what you learn can enlighten you to make better and sound decisions that can position you financially to be in a stable place.
Are you ready to face what you don’t know about your finances? Start today. Learn something. It could serve as the trigger of change to a great financial future for you in the years to come.
Morgan Harper Nichols describes herself as a quiet and passionate introvert longing for self-expression in a noisy world. In her book, “All Along You Were Blooming: Thoughts For Boundless Living,” Nichols not only expresses herself beautifully in both word and visual art, she holds a microphone to every person familiar with the sting of suffering and offers a poetic balm.
“All Along You Were Blooming” was originally the fruit of one of Nichols’ Instagram campaigns where she invites her 1.4 million followers to share their stories and, in turn, she responds to those stories with encouraging messages. This book is a collection of poetic encouragements and affirmations—each piece designed as an ode to those who were vulnerable enough to share their stories and their journeys to growth.
Nichols’ book appeals to both the soul and the eye. Sprinkled throughout “All Along You Were Blooming” are Instagram-worthy doodles and soft watercolor-esque visuals, giving the work both a therapeutic and aesthetically pleasing angle.
Nichols’ book not only acknowledges the reader’s wounds, traumas and hurts, but offers a constant, unrelenting, yet gentle push towards the Light. “All Along You Were Blooming” is neither a self-help book nor a polished 12-point plan on how to heal from hurt. It is the book you read if you seek encouragement, inspiration and the audacity to hope in the midst of your mess. These are the human-inspired pages you thumb through when your back is against the wall and you feel alone in your suffering. This book offers a breath of fresh air, the warmth of Light and a necessary bear hug for the soul.
To someone desiring a breakthrough but needs a nudge to step out in faith, Nichols encourages you to say: “I will go forth, with all I have now: a breath, a dozen steps, and a pocket full of fears, but no matter what tries to pull me back, I will find the strength to be here” (Page 3).
To someone actively fighting to make it through each day, she encourages you to repeat: “Even if my eyes are heavy, I will push forward with audacity, and I will rise with strength at dawn” (Page 51).
To someone eager to see the light at the end of the tunnel, Nichols proclaims: “May you know this to be true: no matter how dark the night, in the morning, Light pours through, filling every corner of the room” (Page 5).
Each line of Nichols’ work leaps out of the page with hope and welcomed, non-judgmental encouragement. The affirmations contained throughout the work are simple yet profound universal mantras for the hope-seeker. The book is a triumphant victory march for the long suffering, full of warmth and light.
Interestingly, while Nichols’ work and the basis of her encouragements appears to stem from her Christian faith, “All Along You Were Blooming” does not hold itself out as either an explicitly Christian work nor a theological examination of trauma and hope. In fact, the word “God” is only mentioned once in the entire work. Instead, Nichols may be taking a more nuanced approach to expressing her Faith through this work. Throughout the book, references to “the Light” and “Hope” are capitalized, as is typical when referring to God as the object in question. This subtlety is, perhaps, one avenue Nichols has found to be most inclusive—particularly where matters of suffering, trauma, hurt, pain and overcoming are universal experiences. Nichols does not claim to offer answers—theological or not. Through “All Along You Were Blooming”, Nichols offers a sounding board for the soul—a moment in time to feel heard and understood, regardless of where you stand religiously.
Nichols’ book can be summed up in this quote, where she hopes this for the reader: “I hope someday you know the taste of early morning mountain air, and the saltwater waves of the ocean, and the unexpected bliss of some strange sweet-bitter fruit. But I hope you also know the taste of hope on an ordinary Tuesday, when you do not feel okay, and you rise up anyway” (Page 53).
“All Along You Were Blooming” reminds us that, somedays, having and holding onto hope can be a small act of rebellion. Nichols encourages readers to strive for that hope. To go joy-hunting. And to live a life that blooms, regardless.