Doing some research for an apologetics (defending the faith) series I’ll be preaching starting January 2020, I stumbled across author and blogger Natasha Crain. Wow! She has a fantastic website crammed with resources for parents trying to help their children with answers to common questions either they have–or will have the first time they encounter a friend who does. The following post is a wise callout to Christians about what we discussed yesterday: be discerning who you follow.
During my last sermon I made this offhand comment that raised a few eyebrows: “I think it’s unwise for parents to pay for all or most of their kids’ college education.” Say what? How does a Messiah College student come up with $192,000 for their four years–or even a Millersville University student with the $112,000 they need ?
We didn’t put our three kids through college–not because we had this philosophy at the time, but because we couldn’t. When my oldest child started college, I was only five years out of graduate school myself. Although able to get through school debtfree, the day I graduated we had just $500 in the bank. Our children understood that college would be their responsibility. In the end, each acquired a four-year degree without borrowing thanks to savings, scholarships, jobs, and military service.
I’ve wondered what decision we’d have made if we had the resources. Probably paid between half and all of it. Which I now think would have been a disservice to my children. A few years ago when I asked each of them if they valued having had to find their own way to pay for college, each gave an unequivocal “Yes”. I realize you may come to a different conclusion but here are the six top reasons I think parents should think twice before paying for their kids’ college.
- It is not your obligation: At 18, your kids are considered adult enough to vote, and get a fulltime job. So why do parents fund their meals, lodging, schooling and good times for the next 4 years? If there was ever a way to cement in a young adult’s mind that mom and dad are always obligated to sponsor me, this is it. No wonder 52% of 18-29 year-old Americans now live with their parents (did you see Failure to Launch?). There’s nothing biblical about the widely held belief that parents owe their kids college. Too many parents buy the oft-repeated lie told by schools and politicians that the only way to succeed in life is with a 4-year degree. Yet I know many, many very successful business owners who didn’t go to college. I know many successful tradesmen who never went to college. With both an undergraduate and a graduate degree, I’m hardly anti-academic. But to say there’s no success outside of a college degree–and therefore good parents should do ANYTHING necessary to fund it, is little more than propaganda. Because 40% of college graduates take a job that doesn’t require a degree. Ten years after graduation, 20% of them are still not working in the field they trained for (Strada Institute for the future of Work, May 2018). There’s also a bit of vocational snobbery in play because some parents are embarrassed to admit that their son is a plumber, their daughter a waitress. They’d prefer to brag he’s an attorney, she’s a nurse. (We’ll have this discussion again sometime in the future when you can’t find someone to repair your toilet.)
- Paying students make smarter school choices: When it’s you buying the car–and you only have so much money, you pick the Ford even though you’d really like the Ferrari. If someone else is buying the car for you, why not get the Ferrari? Unless she realizes she can save a boatload of money, why would any 18 year-old pick HACC for her freshman and sophomore years to get general courses out of the way before going to Penn State for junior and senior years? “But all my friends are going to Penn State all four years!” Knowing it’s going to cost THEM an extra $80,000 will likely tilt their decision in a better direction.
- Paying Students apply themselves better: If it’s up to you to land what you want (new girlfriend, new kitchen, lose weight, new car), you apply yourself. But many young people go to college oblivious to the sacrifices momma and daddy are making to send them. After all, how many 18 year-olds know how much money mom and dad have, or understand the impact on the family finances of everyday things like a mortgage, taxes, cars, insurances, utilities, repairs–or college? Happily oblivious to the sacrifices others are making for their education, some end up partying the first couple of years before buckling down, while others never really apply themselves because they have no skin in the game.
- Paying Students get a great financial education: This may be one of the most valuable lessons college provides–something he/she won’t get in the classroom. College students who pay their own way by juggling savings, employment, grants, and loans, get a real world education about the consequences of working, saving, spending or borrowing large sums of money.
- Paying Students feel enabled, not entitled: When asked what word describes the millennial generation, 71% say “entitled”. But how did they get like that? If mom and dad give, give, give–then neglect to ask mid-late teens to contribute something (gas money for the car, or partial insurance, or do chores around the house), it’s no wonder young adults feel entitled when given a $100,000-$200,000 education with few or no strings attached. And don’t be surprised if this attitude endures into jobhunting: “I want to start at the upper middle if not at the top; I expect regular promotions, wage increases, and flexible hours–regardless of how well I perform.” Compare that with a student who works summers, is also employed on campus during the school year, and takes out limited loans to get the education he realizes not everyone has access to. He has already pulled up any entitlement roots that were growing in his soul.
- Paying students leave funds needed for parents’ golden years: Some people can continue to work well into retirement but health problems or employment challenges (we’re letting you go because we’re, ah, we’re…, ah… downsizing”) means there’s no guarantee. A friend who was 79 told me he was still working fulltime, and his wife was almost fulltime. Seeing my flabbergasted look he explained, “We refinanced our house to pay for our children’s college. We’re still paying that off.” I’m pretty sure that his now middle-aged children would not have wanted to put mom and dad in that kind of situation had they understood the implications at the time.
Don’t wait until your son or daughter’s a high school junior to inform them they’re going to be responsible for paying for most or all of their college. Tell them in middle school; yep, you heard me. Because schools are already talking to them about college. Teach them young to save. At ten, my daughter was already saving babysitting money for college. Help them apply for grants, or strategize how much they can earn during summers. Most likely your teen has never borrowed money before so if that’s part of their plan, give them good counsel. Parents are rightfully concerned that if they don’t foot the college bill, their children will take out ill-advised loans and end up deeply in debt. But if you financially parent your children (teach them what stuff costs, teach them to work, teach them to become increasingly self-sufficient), they’ll be willing to dedicate savings, choose a less expensive college, shoulder summer jobs as well as work while in school, penny-pinch on expenses, and work hard for scholarships if college is their goal. Teaching them such things IS a parent’s responsibility; paying hundreds of thousands of dollars to “educate” our adult children, is not. For it isn’t a liberal arts education that is the foundation of true knowledge, but the “fear of the LORD” (Proverbs 1:7).
Although a pastor, I never led family worship well. In fact, I frequently gave up in frustration. Months later I’d be convicted again and muster up the resolve to try again. There were many obstacles–such as the busy lives of both parents and children. And what kind of family worship can you do that’s helpful for a 12 year-old, a 10 year-old, AND a 5 year-old? And how can you keep their attention when the competition is YouTube videos, video games, and…, pretty much anything else?
I’m sure I’ve spoken with dads who’ve felt they succeeded at this, but I can’t remember them. Most of us stumble at it–and perhaps like me at times, you feel that stumbling means you might as well give up. But what if instead of making a touchdown the goal, we are satisfied with just moving the ball forward for our children? Just nudging their hearts repeatedly towards Jesus–whether done well or still with room to improve?
Here’s a great piece that may give you some encouragement. And if it does and you’d like some concrete suggestions of what to do, ask a Christian brother who’s already doing it. Or, email me and I’ll see if I can help. https://www.desiringgod.org/articles/you-can-lead-family-worship?utm_campaign=Daily%20Email&utm_medium=email&_hsmi=96005595&_hsenc=p2ANqtz-_prfx5XzO7bx3-CKZktadY_WqcTU3BIkM2bLw23oRhF7g0ZKPfJD_GRLY0EdFslf9H2rdLGxVIpbnTBM_IIy6td1imdlVd-fWUBC_ul4UmRiFAk_E&utm_content=96005595&utm_source=hs_email
Just months away from their wedding, the young couple looked stunned. They couldn’t believe what I’d just said. I say the same thing to every couple going through premarital counseling, but their surprise was not surprising.
“Someday in the future, one of you will find yourself attracted to someone else. Your marriage may be struggling–or it may be soaring. Don’t be surprised; be ready for it. Know ahead of time what you’ll do.”
I warn them so they won’t be ambushed. An ambush leads to delusional thinking. A starry-eyed husband might be deceived that he’s found his soulmate. A loyal wife may be horrified that she could even have such thoughts. Thinking the attraction itself is an evil–rather than an invitation to evil, some spouses pretend it’s not happening. Bad move.
Gary Thomas–Christian speaker and author of Cherish: the one Word that Changes Everything for your Marriage, gives advice on what to do and not do when it happens to you.
[Note, I first wrote this on my personal facebook page on May 31, 2020]
We can’t keep starting conversations on race this way. I’m speaking to me, and the majority of my family, friends, and congregation who are white. If we hold out any hope of convincing our African-American friends, neighbors, fellow believers–or even strangers, that we believe–or seriously care about their experiences of being avoided, excluded, suspected, arrested, and even executed when not guilty (see the National Memorial for Peace and Justice in Montgomery, AL), listening would be better than asserting.
“Yes but…, we don’t know what happened before the video. Yes but…, most police officers are not racist and do a good job. Yes but…, looting isn’t the solution to racism. Yes but…, I’ve never personally mistreated anyone of color. Yes but…., slavery was outlawed 160 years ago; African-Americans need to stop acting like victims. Yes but…, since we live in a sinful world we can’t end racism anyway.”
The issue is not really whether our “Yes but…” is false, true, or a bit of both. It’s that starting there is a tipoff that we’re not REALLY interested in listening or learning. Maybe we’re too confident we have a clear eyed view when in fact it could be that we have one eye–or both, closed.
[Moment of truth: I was tempted to include in this post a number of my own “Yes buts…” because of people I know and love who will object that I failed to make any clarifications. But because of Christ’s love, rather than justify and defend we can be part of improving America. Let’s sit down, be quiet, and listen to African-Americans tell us what it’s like to be black in America. Afterwards, be humble enough to admit, “I didn’t know.” Then link arms with them to be agents of change; or put another way, to be Christians.]
A 25 year-old unarmed black man goes out for a jog in the deep south and is accosted by 2 white men–one brandishing a shotgun, the other a handgun, who shout that they want to talk to him. If I had been Ahmaud Arbery and black I think the last thing I would have thought was, “Oh, here are two law-abiding citizens who simply want to sort out whether or not I committed a crime.” I’d have seen two white vigilantes whom I’d have suspected have a visibly low regard for their darker-skinned brethren, and that on this sparsely traveled street, my life may depend on me getting that man’s gun away from him.
I realize that authorities only this week got access to the video that many of us have watched and then vomited, but how can you have a dead man whom nobody says was armed, an admitted shooter, and no arrests for two months?
Yet again, it is hard to escape the bitter truth that in the US of A where a slave owner once wrote without a hint of irony that “all men are created equal”, 250 years later some are still more equal than others. It’s still hard to escape the conclusion that despite being given nearly 160 years to make a respectable attempt to right the wrongs of the capture, imprisonment, exploitation, killings and brutal treatment of Africans during our centuries of slavery, there’s less evidence than there should be that we Americans who are white believe that creed. God forgive us.
And God, bring us together: African-American, Hispanic, American Indian, Caucasian, Asian, Indian, Eastern European, or Middle Eastern. You painted that picture in heaven (Revelation 7:9-10). Would you do it earlier? Amen.
What if…, everyone who still has a job, gave part or all of his/her $1200 stimulus check to someone who doesn’t? What if, instead of banking that unexpected money or putting it in a retirement fund or keeping it for a future vacation, we gave it away to those in need? Or, gave it to a local ministry whose donations have plummeted? Or gave it to one of our missionaries whose support has taken a hit because some of their supporters can no longer help?
Whatever you give is acceptable if you give it eagerly. And give according to what you have, not what you don’t have. Of course, I don’t mean your giving should make life easy for others and hard for yourselves. I only mean that there should be some equality. Right now you have plenty and can help those who are in need. Later, they will have plenty and can share with you when you need it. In this way, things will be equal. 2 Corinthians 8:12-14.
Most had already gone to bed, some perhaps still reading in their staterooms when the ship shuddered violently. A chunk of what 3000 years earlier had innocently begun as accumulated snow, eventually broke off from a glacier in the Arctic Ocean. Several hundred feet long, what made the iceberg so deadly was its height–most of which was invisible. Rising just 50-100 feet into the air, it boasted a massive but unseen root that may have descended 1/5 of a mile beneath the waves. On April 14, 1912 it sent a ship marketed as “unsinkable”to the bottom of the sea in less than three hours, killing about 1500.
90% of an iceberg’s force lies hidden below the waterline where its mass and muscle stabilize the ice and serve as a crude rudder. Scientists recently estimated that the Titanic killer weighed 75 million tons. Despite its own size, a vessel of 52,000 tons plowing into it at full speed stood no chance.
While we race to understand and defeat an ominous virus stalking the world, America is on lockdown. With US cases at half a million and 20,000 deaths, we’re following state orders to stay home and wear masks. The most dire predictions suggest the nation’s death toll could reach 250,000. Many are worried–and not just about getting sick or even dying, but about how to feed their families if they can’t work. What does America’s future look like if JPMorgan turns out to be right and unemployment reaches 20% or more?
Though the official news is bleak–and what we’re hearing from friends and family may have us even more rattled, the virus could provide Christians with an unexpected gift: a diagnosis. Could this be a chance to discover what’s below the waterline of our faith so we can strengthen it if needed? The apostle Paul confessed that the terrible time he went through “crushed” him, “overwhelmed his ability to endure”, and that he “expected to die” (2 Corinthians 1:8). But looking back on those terrifying days, he realized that God had been up to something: “…as a result, we stopped relying on ourselves and learned to rely only on God, who raises the dead” (2 Corinthians 1:9). Good times can camouflage the tinsel strength of our faith, but often bad times are brutally honest.
Two months ago we were as oblivious to danger as the guests on the Titanic; enjoying good food, good drink, good friends, a great voyage. And then, impact. We have jobs but can’t work; schools but can’t attend; church buildings but can’t gather for Easter. And the most prosperous nation the world has ever known can’t find or make enough medical masks, ventilators, gowns, or even hospital beds. As you filed for unemployment, listen to the news, watch the battering your budget’s taking, get cabin fever, miss your friends and try to explain what’s happening to your 8 year-old daughter, what are you discovering lies beneath the waterline? Has your faith proven formidable and muscular, or does it appear to be a somewhat lightweight version of what you thought it was? In His great love for us, God sometimes leads us to relocate our confidence and satisfaction in Him–not in a life marked by smooth sailing on a glassy sea, but in one whose waters are littered with icebergs. This is a big one, but it could turn out to be the opportunity of a lifetime.
church segregating according to economics, but the rebuke applies to every way of separating people : “If you give special attention and a good seat to the rich person, but you say to the poor one, ‘You can stand over there, or else sit on the floor’–well, doesn’t this discrimination show that your judgments are guided by evil motives?”