People go through three conversions: The conversion of their head, their heart, and their pocketbook. Unfortunately, not all at the same time.
Martin LutherFor God is not gracious and merciful to sinners to the end that they might not keep his Law, nor that they should remain as they were before they received grace and mercy; but he condones and forgives both sin and death for the sake of Christ, who has fulfilled the whole Law in order thereby to make the heart sweet and through the Holy Spirit to kindle and move the heart to begin to love from day to day more and more.
Martin LutherIf obedience is not rendered in the homes, we shall never have a whole city, country, principality, or kingdom well governed. For this order in the homes is the first rule; it is the source of all other rule and government.
Martin Luther