Published on 1/10/23
How am I currently investing?
Great question! Please forgive the proceeding nuanced and overly thought-out answer.
In short, I am putting more effort into my business and using what I divested from the market to either grow my business or improve my home.
In the long, after divesting from the market I had to do some deep thinking on time management and financial pursuits. The time value of money is something I did not think a lot about in my younger days, but now it is a crucial concept in how I live my life.
Like the vast majority of people, I had the financial goals of retiring early, living comfortably, and providing a good college education to my kids. Since my drastic change in thinking, which I am sure my readers are aware of by now, these financial pursuits have changed. I no longer ‘save’ for retirement, but I do prepare for disaster. I no longer wish to live a comfortable life, because I know that easy does not mean Good (Though it can at times). And college is increasingly the last place I want my kids to go, plus the writing is on the wall that a college education is only really worth the price for very specific majors.
This change in my thinking of financial goals has helped my time management. I no longer waste time researching my stocks and investments in hopes of a secure financial future, but instead, I spend time improving my current revenue-generating streams. This of course takes more labor, but it has also produced more fruit in the here and now, which can be used later if needed. This is essentially what I mean when I say I stopped saving for retirement and started preparing for the possibility of being incapable of work. I no longer plan for an easy future but prepare for one that may be difficult. I do this by optimizing my current revenue streams and developing relationships and friendships that are meaningful and beneficial to not only my financial well-being but my spiritual well-being too.
I have talked about it before, but I do hope that one day my ambitious goal of creating a Christian Catastrophe Sharing community will be realized. Much like Health share ministries, we want to develop a community of givers who support one another when catastrophe strikes. This concept would replace fire insurance, life insurance, and accident insurance much in the same way that health share ministries replace health insurance. I am already practicing this in a small way by developing a local community of friends and family who share the love of Christ and are willing to help one another out if the chance arises.
Living comfortably is something I am no longer concerned with. When people try to keep up with the jones’ or constantly pursue the easy life things naturally become perverted and spiritual ills follow. My mindset has gone from working to obtain the easy to working to produce and provide for as long as God will let me. This change in mindset has helped me to improve relationships and be more present, and it has produced more financial fruit in the process. What keeps coming to mind is Luke 19:26 where our Lord says “‘I tell you, to everyone who has, more will be given, but from the one who has not, even what he has will be taken away…”
My wife and I have decided that if we can, and we agree with the major choice, we will help our kids pay for college, but it is not something we are committed to doing. Nor is it something we necessarily want to do. Not having things handed to us is what builds spiritual strength and when things are handed to us, we oftentimes begin to atrophy spiritually. This idea of not saving for my kid’s college has allowed my family to be more action-oriented in the present and create things, like business, that can be more fruitful for the future.
In summary, I am no longer concerned with saving for the future in the traditional sense. I of course will save some money, invest in my home and business, and will be disciplined in my spending, but my primary concern is no longer with the worldly future but rather with the eternal future. This change of course in where my concern is placed has been liberating.
Now, perhaps when I am at some ripe old age and unable to work, I will be destitute because my community building failed, my business failed, inflation ate my cash savings, and my kids want nothing to do with me because I didn’t help them pay for a college degree and couldn’t afford them an extravagant wedding. If this is my future, then I hope my future self will take solace in the fact that he tried to do the right thing and follow our Lord’s will, and I hope that he has hope in the Kingdom of Heaven.
How should we invest…
- Raise a Christian Family
- Build Christian Community
- Start Christian Business
- Property (In a non-slumlord-type of way)
- Crypto and Gold if you think it should replace modern-day currency and are willing to labor to promote it.
What C3 is currently trying to do.
- Write a book on the Christian case against the Stock Market.
- Start a community of Christian Entrepreneurs who are looking to truly labor alongside one another to help Christian businesses thrive.
- Start a Christian Catastrophe Sharing Ministry.
If you are willing to help in any of the endeavors, then please reach out. We need all the help we can get and then some!