President's Perspective
“Let No Debt Remain Outstanding”
By President Randall A. Bach
Many years ago, I helped students at Open Bible College obtain bank loans for their college expenses. This was before the college gained eligibility for federally funded student grants and loans. The college had an arrangement with a local bank that allowed us to write up documents for loans, within predefined parameters, and send students to the bank to formalize the contracts. In essence, the college co-signed for the loans, which meant we assumed the risk if students defaulted on their loans. A few did default, but thankfully, most students did not.
After performing this service with students for a few years, I found that the experience began gnawing on my insides. That is because many of the students were straight out of high school, so naïve, so excited to move forward with the big step of entering college, and willing to sign on the line for virtually any amount of money they could borrow. I looked into their young faces, recognizing that many of them were unprepared to deal with the cost of repaying that debt. For many students, it never occurred to them that they would have to invest time and labor to pay back money they borrowed. They had little to no experience in managing their own finances. To them, payback was way off in the future. Everything was OK for today; let tomorrow take care of itself. Some students were more mature as they diligently monitored their debt and kept it to a minimum. My concern was for the students who, even after hearing my explanation about what would be involved in paying back a loan, seemed oblivious to that reality. I could tell that my counsel went in one ear and out the other in terms of awareness. Eventually, of course, they would all learn about the discipline and time necessary to service debt they had assumed. In many of their cases, no one else would be standing by to pick up the responsibility; they owned it.
In that era, I was bothered by what I saw as naivete about debt in some of the young students. Yet today I still see people, not just young ones, willing to embrace enormous debt without reluctance. That naivete has not changed.
The Apostle Paul wrote, in Romans 13:8 (NIV), “Let no debt remain outstanding, except the continuing debt to love one another.” Clearly, we are to work at eliminating financial debt. One of the greatest blessings that occurs because of faithful personal stewardship of finances, which includes meeting and reducing debt obligations, is freedom to be obedient to the Lord with tithes and other generous giving.
Debt is not automatically evil. Entering into debt to purchase an asset that can appreciate in value, such as a home, can be a good investment if it does not exceed one’s capacity to service the debt. Unexpected loss of income and unanticipated expenses such as medical bills can place a family into an unhealthy debt position. They may be hard-working and conscientious people caught in a situation beyond their control with no choice but to assume debt in response. However, irresponsible financial stewardship of resources, whether those resources are large or small, is a choice that can lead to disastrous debt that can feel like a millstone around the neck for much of life and lead to financial downfall. Sadly, it isn’t always low-income people who struggle with excessive debt; there are also people with adequate incomes who spend beyond their income.
Dave Ramsey’s Financial Peace University teaching is a product for our time. His instruction is in demand because the need is great; many Americans are carrying the weight of heavy debt! Ramsey’s approach is to train people to tell their money where it should go rather than letting their money tell them where it will go – simply powerful because it is powerfully simple. Ultimately, we must assume responsibility for and take control of personal financial management.
The Bible presumes people will have debt. The Apostle Paul wrote, in Romans 13:8 (NIV), “Let no debt remain outstanding, except the continuing debt to love one another.” Clearly, we are to work at eliminating financial debt. One of the greatest blessings that occurs because of faithful personal stewardship of finances, which includes meeting and reducing debt obligations, is freedom to be obedient to the Lord with tithes and other generous giving. Psalm 37:21 (NLT) instructs us, “The wicked borrow and never repay, but the godly are generous givers.”
The key consideration is not how much money we make but what kind of stewards we are with the money we have. We should not view debt as an inevitable burden of life. It is something we should undertake only with great caution, with the intent of repaying it as quickly as possible. Our goal should be to reduce or to completely break free of debt and its burdensome interest payments, which can imprison us. It may take some time, but consistent stewardship of finances really can enable your family to embrace financial freedom.
About the Author
Randall A. Bach delights in opportunities to serve the Lord, including his current assignment as president of Open Bible Churches. He earned a master’s degree in organizational leadership from Regent University. Randall and Barbara, his wife, have been in ministry almost as long as they have been married. They are grateful to have celebrated their 50th Wedding Anniversary in 2021. Randall loves the church, pastors, and church leaders and is convinced that God loves to work through them to make disciples, develop leaders, and plant churches. A voice for Evangelicals, his work has been featured in several publications, including Ethics: The Old Testament, The New Testament, and Contemporary Application. He serves as a member of the Board of Directors and the Executive Committee of the National Association of Evangelicals.
Randall has produced and edited several publications and other resources, including the Message of the Open Bible, We Believe: Core Truths for Christian Living, and a doctrinal course for youth called We Believe for Kids! He also led the creation of Acquire, Open Bible’s online leadership development site.
Every January since my first year serving as president of Open Bible, I’ve invited our Open Bible family to set aside a week for focused prayer and fasting. We call it “Awakening”; it is a week to seek God together and align our hearts with His purposes for the year ahead.
Each year I’ve been encouraged by how many pastors, churches, and leaders have participated. I believe what began as a week of prayer and fasting is becoming something more—a movement of awakening across Open Bible.
… what began as a week of prayer and fasting is becoming something more—a movement of awakening across Open Bible.
As we approach Awakening 2026, I sense God calling us not simply to talk about prayer or to understand the priority, place, pattern, or even practice of prayer. All of these are biblical and essential, as we will see briefly. But what I also want us to embrace again is the promise of prayer.
As we commit ourselves to prayer and pray according to His will, we know He hears us. But I am also struck by this thought: if Jesus asks us to pray and shows us how to pray and what to pray, then surely He intends to answer those prayers. He would not instruct us to pray in a certain way only to respond, “I don’t think so,” or “That’s not something I would do.” When we pray according to His will, there is a promise attached. Let’s examine this thought in more detail.
The Priority of Prayer
In Matthew 6, Jesus says, “When you pray…” not if you pray, not “on your good days pray,” or “in desperation pray.” “When you pray” implies the expectation of regular and consistent time with Him. Prayer is essential for every one of us.
Jesus modeled this. We see that He frequently withdrew to places to pray and would rise early to spend time in prayer. Before performing miracles, making decisions, or facing challenges, He prayed. Prayer was His priority and His starting point. The disciples recognized this priority and eventually asked Him, “Lord, teach us to pray.” They could have asked Him how to do anything, yet the one thing they understood they needed was this life of prayer and communion with the Father.
If prayer was Jesus’ priority, it must be ours as well.
The Place of Prayer
Matthew 6:6 tells us to go into our room and pray to the Father. Prayer is personal and relational.
Luke 11 adds another layer: “Jesus was praying in a certain place.” This was familiar, intentional, habitual. Jesus returned to a place because prayer was His rhythm.
We all need a “certain place,” a space where we meet with God. The location isn’t what matters; His presence does. In that place of prayer, clarity grows, peace settles, and the Holy Spirit aligns our hearts with God’s will.
The Pattern of Prayer
For generations, believers have studied the Lord’s Prayer as a pattern to follow—and rightfully so. It includes worship, surrender, dependence, repentance, forgiveness, and spiritual covering. It is powerful and worth using as a model. But it’s more than a pattern. It’s an invitation to relationship. Prayer is not simply reciting words; it’s drawing near to the Father. The pattern leads us to the Person.
The Practice of Prayer
Prayer is a discipline we cultivate. Acts 1:14 says the early church “joined together constantly in prayer.” Prayer wasn’t an event; it was a lifestyle.
Prayer wasn’t an event; it was a lifestyle.
This connects to our MULTIPLY values. The “I” stands for Intimacy with God and fellowship with the Holy Spirit. Prayer is what produces that intimacy. The more we practice prayer, the more we recognize God’s voice and trust His leading.
The Promise of Prayer
Here is the point I want to drive home: Jesus didn’t just teach us how to pray; He promised God would hear our prayers, and His heart is to answer. If He told us to pray, “Your kingdom come, Your will be done on earth as it is in heaven,” then we can trust He desires to fulfill that prayer. He wants us to experience His Kingdom in our lives each and every day—a promise for us to possess.
Here are a few Scriptures that reinforce this idea:
- “Ask and it will be given to you…” (Matthew 7:7).
“I will do whatever you ask in my name…” (John 14:13).
“Call to me and I will answer you…” (Jeremiah 33).
“The prayer of a righteous person is powerful and effective.” (James 5:16).
“If we ask anything according to His will, He hears us…” (1 John 5:14).
Prayer is more than a pattern or routine; it also has a promise. When we pray according to His will, heaven responds.
As we prepare to step into 2026, I believe God is calling Open Bible to pray first. Before we make our plans, before we act or react, and before we lead, we pray.
Not prayer as routine, but prayer as relationship. Not prayer as obligation, but prayer as awakening. So, I invite every pastor, leader, and church to pursue intimacy with God and the fellowship of the Spirit this year. Hold onto the promise that He hears and answers.
Join us for Awakening 2026, January 18–24, as we pray and fast together with churches around the world, seeking God for a move of His Spirit in the year ahead.
About the Author
Michael Nortune serves as president of Open Bible Churches. He has ministered in the local church faithfully for thirty-five years. From his start as a janitor and groundskeeper to church planter and lead pastor of Life Church in Concord, California, Michael has had the opportunity to gain experience in every capacity within the church throughout his ministry. Not only does he have hands-on experience on the local level, but Michael has also led at the district, regional, and national levels within Open Bible Churches. Michael and his wife, Julie, currently reside in Colorado and love living near five of their six children and their spouses. They also treasure the time they spend with their other daughter who lives in Alabama with their first (but not the last) grandson!
Adapted from President Michael Nortune’s message at National Convention 2025
In 1990, during a game against the Cavaliers, Michael Jordan scored a career-high sixty-nine points. Rookie teammate Stacey King came in late and hit a single free throw. After the game, as reporters were clamoring around Michael Jordan for questions and quotes, King quipped, “I will always remember this as the night that Michael Jordan and I combined to score seventy points.”
It’s a humorous line — but also a profound picture of what it means to be part of something greater than yourself. In the Kingdom of God, it’s not about who scores the most; it’s about showing up, stepping in, and doing your part. Even one point matters when the mission is shared.
This is the heart behind The Power of We, the theme of our 2025 Open Bible National Convention. And I believe what we experienced together this year in Orlando was more than a gathering. It was truly a divine appointment!
President Michael Nortune unveils the new Open Bible logo.
Some arrived full of vision and faith while others came a bit weary from the weight of ministry. But what united us was not our circumstances or season; it was our shared faith, our shared mission, and our shared future.
From the first moment we worshiped together, it was clear: God was doing something deep among us. He reminded us that we were never meant to lead alone. The Church isn’t built by individuals — it’s built by people united in purpose, empowered by the Spirit, and connected in community.
It’s the Acts 2 model.
“All the believers were together…
Acts 2:1–4, 42–44
Each of them was filled…
All the believers devoted themselves…
All met together… they shared everything they had…”
Over and over, we see a Church that didn’t just meet — it moved together. The Holy Spirit didn’t fill a bunch of individuals scattered across the city. He filled a room full of believers who were unified in their pursuit of God and His mission.
We are in a defining moment, a time when God is inviting us to lift our eyes to the harvest and step boldly into what we call the Mission to Multiply. We believe in a future where there are life-giving, disciple-making, Spirit-empowered Open Bible churches in every state and in one hundred nations around the world who possess a missional mindset, a multiplying priority, and a mobilizing commitment.
Every church, every pastor, every nation represented globally in Open Bible is a result of that decision. And now it’s our turn.
In Luke 5 Jesus told Peter to cast his nets after a night of fruitless fishing. This time, the nets were so full they began to break. Scripture tells us “They signaled to their partners in the other boat to come and help them…” (Luke 5:7). Later it says, “James and John… were partners with Simon” (5:10).
Both Acts 2 and Luke 5:10 use the root word koinonia, meaning spiritual partnership. We see evidence of the disciples’ shared mission, shared identity, and shared sacrifice. That’s what Jesus built His Church on, and that’s what this movement, Open Bible, is built on.
In 1935, two revivalist groups, the Bible Standard Conference and the Open Bible Evangelistic Association, prayed and believed that together they could do more. As they joined their two growing movements together, they chose unity over independence, believing the mission was too important to accomplish alone.
We are the fruit of that decision. Every church, every pastor, every nation represented globally in Open Bible is a result of that decision. And now it’s our turn.
That’s why this year’s convention marked something historic. Our Executive Leadership Team (ELT) — The Regional Executive Directors, Global Missions Executive Directors and National President and Secretary/Treasurer — made a powerful decision: to lay down their individual logos and ministry-specific vision statements and embrace one unified identity.
We’re not just working near one another — we’re working with one another. We’re not separate voices, but one voice. We’re not serving competing visions, but one mission.
We’re not just working near one another — we’re working with one another. We’re not separate voices, but one voice. We’re not serving competing visions, but one mission: to globally make disciples, develop leaders, and multiply churches.
We even unveiled a new shared logo, not just as a design, but as a declaration: we are in this together. And it’s not just talk. It’s already happening.
Churches are being planted in creative ways. Ministries are being adopted and aligned. Schools of Ministry are raising up new leaders. INSTE is discipling new pastors. Open Bible Churches are being planted in new nations around the world.
As we look ahead, we need to continue to strengthen our existing churches, plant more churches nationally and globally, and develop younger leaders. We need to cultivate the next generation not just to inherit the work but to lead it forward.
The good news? We have everything we need.
As Paul reminds us in 1 Corinthians 1, “…Now you have every spiritual gift you need…. God has called you into fellowship with His Son, Jesus Christ our Lord. And He is faithful” (vs 7,9).
That’s the Power of We.
That’s the heart of Open Bible.
And that’s the hope for the road ahead.
So, let’s keep signaling across the water, joining our boats (churches) on mission together, and casting our nets together for a great harvest.
Here are some highlights from the Power of We Convention. See more Here:
About the Author
Michael Nortune serves as president of Open Bible Churches. He has ministered in the local church faithfully for 35 years. From his start as a janitor and groundskeeper to church planter and lead pastor of Life Church in Concord, California, Michael has had the opportunity to gain experience in every capacity within the church throughout his ministry. Not only does he have hands-on experience on the local level, but Michael has also led at the district, regional, and national levels within Open Bible Churches. Michael and his wife, Julie, currently reside in Colorado and love living near five of their six children and their spouses. They also treasure the time they spend with their other daughter who lives in Alabama with their first (but not the last) grandson!
Texto adaptado del mensaje del presidente Michael Nortune en la Convención Nacional de 2025
El año 1990, durante un partido contra los Cavaliers, Michael Jordan anotó sesenta y nueve puntos, el récord de su carrera. Su compañero novato Stacey King llegó tarde y lanzó un solo tiro libre. Después del partido, mientras los periodistas se agolpaban alrededor de Michael Jordan para hacerle preguntas y comentarios, King bromeó: «Siempre recordaré esta noche como la que Michael Jordan y yo nos combinamos para anotar setenta puntos».
Es una frase graciosa, pero también es una ilustración profunda de lo que significa formar parte de algo más grande que uno mismo. En el Reino de Dios, no se trata de quién anota más puntos; se trata de hacer acto de presencia, intervenir y poner de su parte. Cuando la misión es compartida, cada punto cuenta.
Esa es la esencia de: «El Poder de Nosotros», el lema de la Convención Nacional de la Biblia Abierta, 2025. Y creo que lo que experimentamos juntos este año en Orlando fue más que una reunión; ¡fue una verdadera cita divina!
El presidente Michael Nortune presenta el nuevo logotipo de la Biblia Abierta.
Algunos llegaron llenos de visión y fe, mientras que otros vinieron un poco cansados por el peso del ministerio. Pero lo que nos unía, más allá de nuestras circunstancias o fases de la vida, era nuestra fe común, así como nuestra misión y nuestro futuro, que compartíamos todos.
Estaba claro desde el primer momento en que adoramos a Dios juntos: Era evidente que Dios estaba haciendo algo profundo entre nosotros. Nos recordó que no estábamos destinados a liderar solos. La Iglesia no la construyen individuos, sino personas unidas bajo un mismo propósito, fortalecidas por el Espíritu Santo y conectadas en comunidad.
Ese es el modelo de Hechos 2.
«Todos los creyentes estaban unánimes juntos…
Hch. 2:1-4, 42-44, RVR-1960
Cada uno de ellos fue lleno…
Todos los creyentes perseveraban…
Todos estaban juntos… tenían en común todas las cosas…»
Una y otra vez vemos una Iglesia que no solo se reunía, sino que se movía unida. El Espíritu Santo no llenó a un grupo de personas dispersas por la ciudad. Llenó un cuarto repleto de creyentes que estaban unidos en la búsqueda de Dios y SU misión.
Estamos en un momento decisivo, un tiempo en el que Dios nos invita a alzar la vista hacia la mies y a dar un paso audaz hacia lo que llamamos la Misión de Multiplicar. Creemos en un futuro con iglesias de la Biblia Abierta en cada estado y en cien naciones de todo el mundo: iglesias que den vida, hagan discípulos y estén empoderadas por el Espíritu Santo con mentalidad misionera, prioridad multiplicadora y compromiso movilizador.
Cada iglesia, cada pastor y cada nación representados globalmente en la Biblia Abierta son fruto de esa decisión. Y ahora nos toca a nosotros.
En Lucas 5, Jesús le dijo a Pedro que echara las redes después de una noche de pesca en la que no habían obtenido ningún resultado. Esta vez, las redes estaban tan llenas que empezaron a romperse. La Escritura nos dice: «hicieron señas a los compañeros que estaban en la otra barca, para que viniesen a ayudarles…» (Lucas 5:7). Más adelante dice: «Jacobo y Juan… eran compañeros de Simón» (5:10, RVR-1960).
Tanto Hechos 2 como Lucas 5:10 utilizan la palabra koinonia, que significa compañerismo espiritual. Los discípulos muestran evidencias de que compartieron una misión, una identidad y un sacrificio. En eso edificó Jesús su Iglesia, y sobre lo mismo es edificado este movimiento de la Biblia Abierta.
En 1935, dos movimientos de avivamiento, la Bible Standard Conference (Conferencia del Estándar Bíblico), y la Open Bible Evangelistic Association (Asociación Evangelística de la Biblia Abierta), oraron y creyeron que juntos podían hacer más. Al unir sus dos crecientes movimientos, optaron por la unidad en lugar de la independencia, creyendo que la misión era demasiado importante para llevarla a cabo solos.
Somos fruto de esa decisión. Cada iglesia, cada pastor y cada nación representados globalmente en la Biblia Abierta son fruto de esa decisión. Y ahora nos toca a nosotros.
Por esa razón, la Convención Nacional de este año marcó un hito histórico. Nuestro Equipo de liderazgo ejecutivo (ELT, por sus siglas en inglés), los directores ejecutivos regionales, los directores ejecutivos de Misiones Globales, el presidente nacional y el secretario-tesorero, tomaron una decisión poderosa: renunciar a sus logotipos y declaraciones de visión individuales de cada ministerio y adoptar una identidad unificada.
No solo trabajamos codo con codo, sino que trabajamos juntos. No somos voces separadas, sino una sola voz. No servimos a visiones en competencia, sino a una misión
No solo trabajamos codo con codo, sino que trabajamos juntos. No somos voces separadas, sino una sola voz. No servimos a visiones en competencia, sino a una misión: hacer discípulos, desarrollar líderes y multiplicar iglesias en todo el mundo.
Hasta hemos presentado un nuevo logotipo común, no sólo como diseño, sino como declaración: estamos juntos en esto. Y no son sólo palabras. Ya está ocurriendo.
Se están plantando iglesias de forma creativa. Se están adoptando y alineando ministerios. Las Escuelas de Ministerio están capacitando a nuevos líderes. INSTE está haciendo discípulos y formando nuevos pastores. Se están plantando iglesias de la Biblia Abierta en nuevas naciones por todo el mundo.
Al mirar hacia adelante, tenemos que seguir fortaleciendo nuestras iglesias existentes, plantar más iglesias a nivel nacional y mundial, y desarrollar líderes más jóvenes. Debemos formar a la próxima generación no sólo para que herede la obra, sino para que la dirija.
¿Cuál es la buena noticia? Tenemos todo lo que necesitamos.
Tal y como nos recuerda Pablo en 1 Corintios 1, «…no les falta ningún don espiritual … Fiel es Dios quien los ha llamado a tener comunión con su Hijo Jesucristo, nuestro Señor.». (vv. 7,9. NVI)
Ese es el «Poder de Nosotros».
Ese es el corazón de la Biblia Abierta.
Y esa es la esperanza para el camino que tenemos por delante.
Así que sigamos haciendo señas a través de las aguas, uniendo nuestras barcas (iglesias) en misión conjunta y echando nuestras redes juntos para obtener una gran cosecha.
A continuación, se presentan algunos aspectos destacados de la Convención «El Poder de Nosotros». Ver más aquí:
Sobre el autor
Michael Nortune es presidente de las Iglesias de la Biblia Abierta. Ha servido fielmente en la iglesia local durante treinta y cinco años. Desde sus inicios como conserje y jardinero hasta ser el pastor principal de la Iglesia Life Church en Concord (California), Michael ha adquirido experiencia a lo largo de su ministerio en todas las funciones dentro de la iglesia. No sólo tiene experiencia práctica a nivel local, sino que también ha liderado a nivel distrital, regional y nacional dentro de las Iglesias de la Biblia Abierta. Michael y su esposa Julie residen actualmente en Colorado, donde les fascina vivir cerca de cinco de sus seis hijos y sus cónyuges. También disfrutan del tiempo que pasan con su otra hija, que vive en Alabama, y con su primer (pero no último) nieto.
