Give worshipfully. Our giving is a reflexive response to God's grace. It doesn't come out of our altruism - it comes out of the transforming work of Christ in us.

But isn't it wrong to be motivated by reward? No, it isn't. If it were wrong, Christ wouldn't offer it to us a motivation.

Your children should love the Lord, work hard, and experience the joy of trusting God. More important than leaving your children an inheritance is leaving them a spiritual heritage. If you left your children money they didn't need, and if they were thinking correctly, wouldn't they give it to God anyway? Then why not give it to God yourself, since He entrusted it to you?

Any concept of grace that makes us feel more comfortable sinning is not biblical grace. God's grace never encourages us to live in sin, on the contrary, it empowers us to say no to sin and yes to truth.

Materialism blinds us to our spiritual poverty. Jesus rebuked the Laodicean Christians because although they were materially wealthy, they were desperately poor in the things of God . Puritan Richard Baxter said, "When men prosper in the world, their minds are lifted up with their estates, and they can hardly believe that they are so ill, while they feel themselves so well."

There's only one requirement for enjoying God's grace: being broke . . . and knowing it.

Hudson Taylor and Charles Spurgeon believed that Romans prohibits debt altogether. However, if going into debt is always sin, it's difficult to understand why Scripture gives guidelines about lending and even encourages lending under certain circumstances. Proverbs says "the borrower is servant to the lender." It doesn't absolutely forbid debt, but it's certainly a strong warning.