Money – G-d’s Way

Money can be a useful tool to further the kingdom of G-d or a dangerous trap to lead us away from Him. It is an integral part of society and no matter what period of life you are in, money will likely be constant consideration. You might be a teenager making money with your first job and figuring out what to do with your paycheck. You may also be further along in life developing a career and possibly responsible for taking care of your new family.

In any case we should turn to G-d and His Word for guidance as we do for all aspects of our life. While doing some research into the topic of money in Scripture I came across several statistics. While not all of the sources agreed on the exact numbers the consensus lies somewhere around the following: there are 2350 verses that reference or talk about money (though not all of them are specifically about the use money) and 16 out of 38 of Yeshua’s parables deal with money. Though I wouldn’t put stock in these statistics, it is clear that G-d wanted to relay to us an understanding of money and its handling.

Money as an Idol
Despite the necessity of money in our lives we are warned to not make money an idol. Consider what Yeshua has to say. “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.” (Matt 6:24) We know from other parts of Scripture that money is a necessary tool. Therefore, money itself is not evil and does not cause idolatry. Paul tells us in his discussion on contentment that it is the love of money that turns us away from G-d. “Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” (1 Tim 6:9-10)
Consider also: Matthew 6:19-20

Debt
Debt has been the downfall of many individuals and families. It and other financial concerns have been cited as one of the top five reasons for divorce, often higher than infidelity. Unfortunately, debt has become a normal way of life for modern households. Getting what you want now instead of saving to get it later has become perfectly acceptable. Scripture is quite clear on how G-d views debt. “Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.” (Rom 13:8) “The rich rules over the poor, and the borrower becomes the lender’s slave.” (Prov 22:7) When we borrow from others we become like slaves to them. Lenders often have legal rights to take our assets or money straight from our paycheck. They will also create stress on you or your family that ultimately takes your attention away from G-d.

If you are at the point in your life where you are in college or about to go into college, you are likely going to have to consider student loans. If you have no other choice, student loans may be necessary. You should first consider all possible ways to reduce the amount of debt you need to take on before doing so. Apply for as many scholarships and grants as possible. Also consider the benefits of taking on a part time job throughout school. If you still need to take out a loan, work out a plan to have it paid off as quickly as possible. You may also be at the point in your life where you are considering buying a house. Oftentimes a mortgage payment is near the same amount or less than rent for a similar house. If you are considering buying then try to make sure your budget can allow for you to pay more than the minimum each month. This will allow for you to be free from the debt much sooner. Just because a bank will give you a loan for a larger or nicer house doesn’t necessarily mean you can afford it. You must carefully consult your budget but most importantly, you must pray and consult the Lord.
Consider also: Neh 5:3, Ecc 5:5, Ps 37:21, Being the surety of other’s debt (Prob 6:1-5, Prov 11:15, Prov 17:18, Prov 22:26-27)

Savings
If you are free from debt then you should motivate yourself to save money. When you have money saved there are three main benefits. The first benefit is that you will be prepared when emergencies happen. It is not a matter of IF unforeseen expenses will happen but WHEN they happen. “In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.” (Prov 21:20) Consider the wisdom of Joseph as an advisor to Pharaoh regarding the upcoming famine in Genesis 41:34-36. The second benefit is that when there is something special you want to buy, you will have the means to do so. G-d does not wish for us to be devoid of nice things but He wants us to obtain them responsibly. “The blessing of the LORD makes one rich, and He adds no sorrow with it.” (Prov 10:22) The third benefit is that you open up yourself to be a blessing to others. When you have your finances under control and have saved up for emergencies then you can confidently spend more of your time and money to bless others.
Consider also: Prov 6:6–8, Prov 13:11, Prov 14:29, Prov 21:5

Budgeting
Now that we see G-d’s wisdom in staying out of debt and saving up our money you may ask, how? The answer is quite simply to keep a budget. People often look at their busy lives and find this task too daunting but the benefits far outweigh the time it takes. Scripture advises that we need to budget as well. “For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it—lest, after he has laid the foundation, and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finish’?” (Luke 14:28–30) The process of budgeting provides two great pieces of information: how much money you can spend on certain things and and where you might need to cut back.

In this modern age there are several great software packages that will help you budget. If you want to keep things simple, I highly recommend the envelope system. The idea is that every dollar that you make has a purpose. To use a simple example let’s say it is the beginning of the month and you made 300 dollars last month. Now you need to put all of this money into the different categories (envelopes) that you spend your money on. If your envelope system is simple then you may allocate this way: Tithe – 30, Saving for College – 100, Entertainment and Purchases – 70, Gas (based on how much you usually spend) – 100. Now let’s say you were out and found a pair of shoes that you really like that cost 65 dollars. Since your envelope for Entertainment and Purchases has 70 dollars you know you can afford the shoes and still have enough to fill your gas tank at the end of the month. Further you will also know that if you buy the shoes you won’t have enough in your envelope to go see the movie you and your friends were planning to see next week.

Remember it doesn’t matter how young or old you are it is never too early or late to learn how to budget. I encourage each and every one of you to implement this in your lives. If you need help make sure to talk to your YMJA or congregational leaders. I personally would love to assist anyone who asks for help in developing a personal budget. In doing so, their time and resources can be more devoted to G-d.
Consider also: Prov 27:23, 1 Tim 5:8

Authored by Nick Lewis, Midwest Regional Rep

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TIPS TO GET THERE

By Maggie Nelson • November 13, 2024
Three Fundraising Tips for the YMJA Retreat!

Teshuvah - Repentance

By Maggie Nelson • October 11, 2024
What image comes to mind when someone says “repent”? Do you imagine God standing over you, shaking his finger, saying, “Go over there and be sad for a bit. You deserve to feel guilty for what you did”? Often when we think about repentance we can think about sinning, guilt, and condemnation. Well… two of those things are certainly involved. Sinning brings guilt, enough said. But repentance is not God telling us in an angry tone to go off and fix ourselves. Instead, the Lord is saying, “Come here. You turned away from Me; turn back. Come over here, back to My loving arms.” This is a vastly different view of repentance. One view can keep us from even wanting to repent because we don’t like the feeling of guilt and condemnation, so we’d rather pretend we don’t have a problem or hide our sin from God (it’s impossible by the way). But when we actually understand what repentance means, we can see the true heart of our Father, which always longs to be close to His people, so much so that Yeshua laid down His life for our sakes. The word for repentance in Hebrew is teshuvah, which means to “turn” or “return.” That is exactly what repentance should be. Have you ever felt the difference between when you condemn yourself for sin and when the Ruach convicts you? Whenever I sin and I am not walking in the Ruach, I tend to beat myself up, feeling upset with myself and distant from God. However, when I am humble before God and the Ruach convicts me it’s different. I feel the “ouch” or “oof” of seeing my sin for what it is, but I also feel the love of Yeshua. I feel close to God, not far away, because I am comforted to know that He thinks of me and is willing to show me where I am walking in destructive habits. When the Ruach prompts us to repent it’s as if God is getting down on our level and holding out his arms, beckoning us to Himself again. This doesn’t mean repentance is only joyful. It’s like pulling a thorn from your foot. It’s not pleasant that we have to do it because thorns hurt, but the answer to the thorn isn’t ignoring it or pretending it’s not actually that bad. Pulling it out is a good pain that ultimately brings healing and freedom to keep walking. The same thing is true with turning from our sins. Sin is turning away from God and it separates us from Him, our ultimate Good. So coming back is always relieving, refreshing, and right—even if sometimes it feels like we got a little “Ruach HaKodesh" slap in the face. In the Eitz Chayim liturgy, we sing an excerpt from Lamentations 5:21: “Hashivenu Adonai v’nashuva” (Turn us, Oh Lord, and we will return). We can’t please God or even turn back to Him in our own strength. We rely on the conviction of His Ruach when we fall short and turn away. It should be encouraging to know that it isn’t just you trying to battle sin by yourself. You and Yeshua are standing together against darkness. So during this time of teshuvah at Yom Kippur, let’s be glad that we can turn to a Father who is asking us to repent and come back to Him. We love Him, so of course we want to be close to Him. Well, He wants the same thing.

Yom Kippur Reflection

October 13, 2022
Y om Kippur (The Day of Atonement) is a day to reflect on the past year and see what areas of your life you have been battling with sin. We all have areas where we fall short (being quick to anger, gossip, our language, etc.) which is why God sent Yeshua to wash the dross away. Thanks to Yeshua we know that as long as we accept Him as Messiah, we will be saved. Traditionally, the Jewish people believe that their good deeds are the way to salvation but we, as Messianic Jews and  all believers in Yeshua, know that is not the case, only through Yeshua can you be saved. So are our actions and good deeds still important? YES! Even though they are not the way to salvation, they still hold value in the kingdom of God. We are the body of Messiah, therefore we represent Him through our actions. Hebrews 13:16 says “Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God”. So this year on Yom Kippur I encourage you to reflect on what you can do in the next year to represent Yeshua. By: Jennifer Meyers October 4, 2022

A Days of Awe Reflection

October 4, 2022
As we are towards the end of the Days of Awe and soon it will be Yom Kippur, let's reflect on the following scripture from Psalms 102:25-27 "Long ago You laid the foundation of the earth and made the heavens with Your hands. They will perish, but you remain forever; they will wear out like old clothing. You will change them like a garment and discard them. But You are always the same; You will live forever.” Consistency. To be consistent means, marked by harmony, regularity, or steady continuity. Consider for a moment the following time patterns in nature. Our own planet earth has a repetitive pattern to rotate on its axis for 24 hours. Earth has been consistently rotating on its axis for 24 hours, since Creation. That is consistency! We also have a fixed pattern of day and night. Day follows the night, and night follows the day. We read of this rhythm over and over throughout Genesis 1, ‘So the evening and the morning were the first day.’ If we look at human heart beat rate- it is an average of 72 beats per second. The heart is consistently beating to push blood flow in our body. What about the Lord? God keeps showing up. He is completely reliable. When all of life seems to be unsteady and unpredictable, we can have confidence in the Lord to remain the same. He chooses to remain constant in His attitude and affection towards us. God does not have mood swings or sudden outbursts of anger. We will always know what to expect in His nature and character towards us. He always means what He says. And He always follows through on His words. The truth is that, 'Yeshua Messiah is the same yesterday and today and forever.' (Heb. 13:8). And He has always desired our wholehearted love. Prayer changes things. God is relational and desires to dialogue with us. He wants to hear our heart. God alone has the capacity to hold the past and future in His hands, and at the same time, be fully engaged in our present situation. There is no conflict for Him in this! God invites the conversation with us, calling us to work with Him, to petition our request to him and to glorify Him in prayer, prayer is powerful. May we take time this season to reflect on the consistency of the nature of God. Does God's consistency comfort you? In what way? Are you a consistent person? In attitudes, in showing love to others? Where could you grow in being consistent? Let’s embrace God’s consistent love, grow in consistency in our prayer life, open our hearts in prayer for God to show and guide us in deep ways. Especially as we go into Yom Kippur let’s be grateful for our salvation and pray for those that do not know him. By: Hannah Micu October 3, 2022

Mark Dayan's Legacy

August 9, 2022
Yesterday we lost a friend who means so much to so many in the YMJA. We are grieving losing Mark Dayan on earth but rejoicing that he is with the Lord. Mark was fondly known by many as "Uncle Mark". He served the Messianic community at large and in Philadelphia with his whole heart. In the YMJA he led the singles program for decades! There have been so many beautiful words posted about him within the last 24 hours, here are some of them: "He taught me how to lead worship by worshipping with joy and sincerity. One of my favorite people to sing with, worship with and travel with. He diffused the tension in any room. He was the one that everyone everywhere gravitated toward and remembered.”- Marc  "Uncle Mark never approached life looking for ways to climb to the top of the social ladder. Instead, he focused on getting as low as he could, so that he could best serve the least & anyone in need of love, or just a hug & a good belly laugh. Just like his Messiah, he lived not be served, but instead he lived to serve.”- Nate "He was impossible to miss as not only was he more than likely the loudest laugh or the loudest singer in the room but also he brought such an infectious joy and intentionality to everyone. He made a point to reach out to everyone, especially those who others deemed different or difficult. He made a point to lift others up even when it made him seem less.”- Melissa "Uncle Mark had perfected the art of taking joy in other's successes. When you had a good report, Uncle Mark would be so excited, just as if whatever blessing you had received had actually come to him. Uncle Mark lived to give, lived to laugh, lived for joy and praise.”-Nyssa "He always gave the best hugs, told the best stories, and above all encouraged everyone around him to joyfully follow G-d.”- Danielah Today we encourage you to think of how you can remember Mark Dayan’s legacy and walk in his footsteps. We encourage you to seek ways to serve your community, notice who needs a friend and meet them where they are, and above all find your strength in the Lord. We will miss you Mark, all your big hugs and encouragement. We will carry on your faithful legacy.

Isaiah 40:30-31 Encouragement

October 19, 2021
Shalom everyone, I wanted to share what the Lord has been reminding me lately. I am young, serving the Lord and recently I have been encouraged by Isaiah 40:30-31. This passage is honest and says “Even youths grow tired and weary, and young men stumble and fall, but they who wait for Adonai will renew their strength. They will soar up with wings as eagles. They will run, and not grow weary. They will walk, and not be faint.” It is essentially saying that even though we are young and are “supposed” to have this never-ending tank of energy, we still can get overwhelmed. We are humans living in 2021, it can get very overwhelming! This verse has encouraged me to not let myself be or stay burdened. Rather be open to speak and say that sometimes I need to rest in the Lord, that it’s not about how much I can do, but rather it’s about how much God can do. And it’s true, there are things that only God can do. It goes to show that even youths grow weak and weary…. but those who hope in the Lord will find new strength! It’s about being encouraged to lift each other up to show that God’s Chesed (grace/compassion) is meant for everyone; that strength will rise to those who wait upon the Lord, and that He will mount us up on wings like eagles. Yes, it’s okay to take the time to stop. It’s okay to take the time to let go. And it is always for the best to simply follow God’s lead on what is yours to do and what is not in each season. I encourage you to pray and ask God about when and how to serve and rest while being constantly renewed in His strength. #mycurrentfavoritescripture By: Jacob R. October 19, 2021

Galatians 6:9 Reflection

October 13, 2021
Hey YMJA! I hope you are all enjoying this lovely season of fall, and reflecting on all the Lord taught us during our recent journey through the Fall Feasts. What a time we are living in! It feels like there is transition everywhere. For me personally, I just began a new job--one that has been an amazing experience, and I know I'm where the Lord wants me. On the other hand, I've had some tough moments in this process of beginning a new season. I know many YMJAers are at a similar time in life-- a time of newness and transition. The Lord wants to grow our faith and trust in Him during these times, and to deepen our relationship with Him. My current favorite scripture, one that I have really been holding on to in recent days, is Galatians 6:9--"So let us not lose heart in doing good, for in due time we will reap if we don’t give up." With everything going on in the world today, it can be so easy to get discouraged--especially if what we are doing is not showing immediate results. Newness can be hard, whether it be a new job, a new school, a new house, or just a time of waiting on the Lord for next steps. Don't give up. Keep doing good. Keep serving, loving, trusting. Keep waiting for Him. He will bring a beautiful harvest of faith, hope, and blessing in your life as you persevere in the season He has brought you to. He is with you always--don't lose heart. Keep going. #mycurrentfavoritescripture By: Michaela, YMJA Prayer Team Member October 12, 2021

Linda's Legacy

September 28, 2021
If you have been at the MJAA registration desk for a regional conference or the annual Messiah Conference, you were likely greeted by Linda’s warm smile and genuine gift of hospitality. She ran housing and registration and spoke to many of your youth leaders and parents to make sure everything was in order for all of us to have the best experience possible. While she worked for the MJAA, she simultaneously worked as the YMJA administrative assistant from 2012-2019. She played an instrumental role behind the scenes to make the YMJA what it is today. You might not know that in the early days Linda and her husband Steve created and ran the teen program at Messiah Conference. This was many decades ago, now the program is run by the YMJA as of 1988. Our current YMJA Executive Director, Rabbi Kevin, was a teenager in their program! As an educator, she founded two Messianic schools, Chalutzim and Cornerstone, where some of our YMJA members attended school including her daughter and our beloved VP, Melissa. There is so much more that could be said about her accomplishments, but this is just a snapshot of her vibrant life. Those who met her were struck by her effortless excellence. She was organized, efficient, and made hard tasks and problem-solving look simple. More importantly, she had an extraordinary ability to connect with people and made people feel loved and seen. Many have said that her encouragement and affirmations empowered them to be who they are today. Throughout good times and very challenging times, she clung to the L-rd and her love was an overflow of her love for Yeshua. She always said, "There’s enough time in each day to do the Lord’s will for that day.” We have so much to learn from the way Linda lived her life. As we grieve, please remember to keep Melissa and the entire Brown family in your prayers as they walk through this very difficult time. Linda Brown's legacy is a blessing and she will always be remembered. July 2, 2021

Simchat Torah Reflection

September 28, 2021
A beautiful tradition on Simchat Torah is to read the last verse of Deuteronomy and the first verse of Genesis. There is celebration and joy in the Word of G-d. We are celebrating a beautiful in between moment. Honoring the end of a chapter and a beginning of a new as a community. Maybe your Sukkot was not as joyful as you had hoped. Maybe your Yom Kippur fast was not as meaningful as you had anticipated. Maybe your Rosh Hashanah was not as sweet as it has been in the past. All of that is okay, the Word of G-d will always be relevant and this holiday of Simchat Torah is a tangible reminder that no matter what season we are in, there is joy in focusing on the Word of G-d. His Word isn’t changing even if other areas of our life feel shaky. Simchat means joy; joy isn’t circumstantial. The Torah scrolls that are held in synagogues all over the world are in the process of being rolled back to the beginning. There is a beautiful sense of unity in Jewish life, there is a joy that is hard to explain. If you were unable to go to a Simchat Torah service, you can take some time to read the end and the beginning of the Torah and ask G-d to be with you in this season of life. September 28, 2021 

Rosh Hashanah Preparation 🍎

September 28, 2021
H ere are some ideas that you are welcome try in preparation for Rosh Hashanah, on Rosh Hashanah or during the 10 days of awe. We hope these ideas and this season in general brings you closer to G-d and your community. The fall holidays are an invitation to draw near to the Lord, connect or reconnect to community and pray for the world around us, especially those who do not yet know Yeshua. As you celebrate the holidays or prepare for them please feel welcome to tag us. We love that Instagram can bring us together, even though we live all over the 🌎. #roshhashanah #reflection #baking #naturewalk #cards #daysofawe #community September 2, 2021
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