Spotlight
Turn Your Budget Upside Down
By Stuart Steenhoek
My wife and I are still in our thirties, and we’ve lived most of our lives together without a mortgage, car debt, or credit card debt. We are able to give more to help others than I ever imagined I could. We feel blessed!
How is this possible? Usually the assumption is that we must just make a lot of money. But if there is one thing I’ve learned about finances, I’ve learned that you cannot out earn bad decisions. We’ve learned that financial freedom is possible at nearly any income level. It started for us by turning our financial budget upside down.
I share our story with you because my hope is a fruitful life for everyone. Honestly, our journey started in a way that left me pretty upset at the time. As a young adult I was attending a church in Rockford, Illinois. I hadn’t faithfully attended any church since high school and had started going back as a way to meet friends in a new city. After attending a small group for a while, I started to become close friends with the group’s host. One day he waited after the rest of the group had left to ask me a pointed question about whether I gave to the church. (To be clear, this article isn’t about giving, but this part is important in understanding where my wife and I came from.)
I was actually mad that the host had the audacity to ask me about my giving practices at my church. The reality was I didn’t give at all.
In my frustration, I asked others in the group if they gave. I was surprised to learn that several of my friends did give, and quite liberally. My question to them was how did they afford it?
Ten percent or any version of that seemed outrageous to me. As I pressed this issue more with others in my group, I found out, to my surprise, that one of my friends in the group not only gave consistently, but he had already saved enough money to buy his first house with cash. He was 27 years old at the time, and none of the money came from his parents.
I thought, who buys a house with cash? Now I started asking a million questions. I thought I was pretty smart with finances, being Dutch and all, but in my own small group I had friends doing things I never thought of.
What did they do that I wasn’t doing? They had a monthly budget that began with saving, not spending.
Fast forward: I got married to my lovely wife, Lauren, and we began using the advice I learned to help run a financially sound household. I was so excited about the results that I’ve taken the opportunity to facilitate five Dave Ramsey* classes. Not surprisingly, one consistent challenge I hear in the class over and over is the same one I had. Most people place the savings and giving budgets last on their list, if at all, which dramatically impacts their financial lives, the ability to feel rich, and the ability to give. Dave Ramsey does a great job of demonstrating how to place those two categories at the top of the list and spend from what’s left over. We learned that when we did that, we always had plenty of money to enjoy life. We learned that we can be wealthy at any income as long as we spend less money than we make.
Most people place the savings and giving budgets last on their list, if at all, which dramatically impacts their financial lives, the ability to feel rich, and the ability to give.
Again, please don’t interpret this as an article on giving. It’s about learning to pay yourself before you spend. Imagine what life could be like if you always had excess income every month. For us it meant my wife and I paid our house off at age 30. We have nice cars, but they are used cars and we paid them off with cash on day one. We travel, but we travel with cash we have saved up. We do fun things, but never on credit. Honestly, we are just loving life, our version of life, within the income God trusts us with. Even when we face a hurdle, we feel financially prepared to take it on.
Dave Ramsey says if you live like no one else (aka save), you can live and give like no one else. It sure is true. Even though this article is not about giving (that falls under your own walk with God), Lauren and I found that if you save and plan, giving becomes easy. God asks us to trust Him in this area and see if we aren’t rewarded many times over. We may not all be rewarded in the same manner, but since giving became a regular part of our lives, we’ve felt richer than we ever imagined.
I think giving changes your heart, and all relationships – even business relationships – improve when people have a giving heart.
Jesus told his followers, “For where your treasure is, there your heart will be also” (Matthew 6:21). In modern lingo we would say, “Where you spend your money is where you will spend your time.”
If you spend your money buying things with credit, you’ll spend time working and paying for things that eventually become outdated or end up in garage sales. Instead, spend money on others and watch your life grow. Consider this: How can you give or live rich if saving isn’t the first thing you do with each paycheck? That is how you turn your financial budget upside down.
Have a fruitful, rich life!
About the Author
Stuart Steenhoeck is a member of Journey Church of the Open Bible in Urbandale, Iowa. Having spent fourteen years in sales, he hails from Pella, Iowa, is authentically Dutch, and loves golf and the outdoors. Stu and his beautiful wife, Lauren, are the proud parents of three children, two sons and one daughter.
Spiritual direction…hmmm, sounds like what I get from the Holy Spirit when I pray, so why would I need to meet with a spiritual director when I can do this on my own? Seems unnecessary, right? Not to mention, I’m a guy; we never ask for directions.
That was my thinking a few years ago, until the day I got a call from another minister who was training to be a spiritual director. She needed to log a certain number of practice hours to finish her training, and she asked if I would be her “guinea pig.”
The call had “coincidentally” come in the middle of a challenging season; my pastoral duties felt relentless, and I was going through a profound life change. I felt empty inside as I wrestled with a nagging question: “Am I really hearing God clearly?” Unable to talk through my struggle with very many people, I had been feeling spiritually stuck. The person calling was someone I trusted, so I agreed to be a part of her training process. I thought I was helping her out, but little did I know this decision would stand as a cornerstone of my spiritual and mental health moving forward.
Spiritual direction is like having a wonderful (dare I say, sacred) friend who walks alongside you and gently guides you to notice and respond to the presence of God in your life.
Spiritual direction is like having a wonderful (dare I say, sacred) friend who walks alongside you and gently guides you to notice and respond to the presence of God in your life. Believe it or not, even the best of us can miss Him in the middle of our emotional and mental upheavals. Unlike traditional counseling or mentorship, spiritual direction focuses on deepening our relationship with God, helping us become more aware of His presence in our everyday experiences.
A Transformative Encounter: Experiencing the Father Three Ways
There’s one spiritual direction session that particularly stands out in my mind. My mom had just passed away, and my dad was in the final stages of his life. It had been a tough year of loss, and I was doing my best to keep it together. As I shared with my spiritual director, she made a suggestion. She said, “Gary, take the next ten minutes to sit before the Father and ask Him what He wants to say to you in this season.”
I muted the microphone, sat in silence, and stared out the window of my office into my backyard. It was a beautiful day, and the wind was rustling through the trees. Things moving by some unseen force. As I sat there, God reminded me of three snapshots (memories) with my dad. The first was a memory of being at the beach with him when I was four and his taking me into the deep water. I remember protesting that I didn’t want to go out there but also feeling safe because I was held tightly in my father’s arms. The second was a memory of when I was twenty and we took a trip together. It was on that trip that I felt my father, through his actions, take his mantle of authority and leadership and place it on my shoulders. The third snapshot wasn’t a true memory but a glimpse into the future. I was about to visit my dad in a month – it was to say goodbye as he was in the final stages of life on earth. My agenda was simple: I was just going to spend time with Dad.
In those pictures, with the wind blowing through the trees, the Father used my father to help me encounter Him. I’ll never forget the three things God whispered to me as I pondered those three snapshots:
Gary, I’m with you; you’re safe.
Gary, I’ve given you everything you need to fulfill what I’ve called you to do; I trust you.
Gary, all I desire is for you to spend time with me and enjoy my presence.
Those past and future joys were a reminder from my heavenly Father that I could take the path ahead because He was with me. I’m not sure I would have had such a profound experience had it not been for the preceding conversation with my spiritual director and our subsequent debrief.
Integrating Spiritual Direction into Pastoral Ministry
Moments in this and following sessions have been a game changer for me, helping me become a better leader and follower. I now approach decisions with a greater sense of grounding, choosing to rely on prayerful discernment and feedback from someone who’s spiritually mature and not emotionally tied to the situations. I’ve also learned to listen better, not just to God but also to people.
Spiritual direction has been a transformative experience for me, helping me grow both personally and professionally.
Spiritual direction has also been a huge help with my mental health. Regular sessions provide a sanctuary from the incessant demands of ministry and allow me to process those stressors in a safe context. I’ve learned to be more resilient, thanks to the reflective exploration of my spiritual journey, and I feel more balanced and purposeful.
If you’re a minister who hasn’t tried spiritual direction yet, I highly recommend it. Here are a few things to keep in mind:
- Find a spiritual director who’s trained to help others on their spiritual journey.
- Make sure you prioritize regular meetings. Consistent engagement allows for a deeper unfolding of your spiritual narrative and allows for sustained growth.
- Be open and vulnerable. Don’t be afraid to talk about the good and bad parts of your spiritual life.
Spiritual direction has been a transformative experience for me, helping me grow both personally and professionally. Remember, we all need help sometimes.
About the Author
Gary Kahn
Gary Khan was born on the island of Trinidad in the Caribbean. He moved to America when he was twenty to pursue his education and calling to be a pastor. He met his wife DeLaine at Eugene Bible College (now New Hope Christian College) and upon their graduation, they were married and began working at Desert Streams Church in Santa Clarita, CA. After thirty-two years as a pastor, Gary became an Executive Director of Operations for Marketplace Chaplains. He is the author of devotionals including Reset and Greater and his most recent book, That Didn’t Turn Out the Way I Thought.
On the fifth day of creation, our wonderful God showed himself in a brand new way. He began to create the living creatures that walk among us. This expression of His creation has shown itself throughout history; from Noah’s dove, to Balaam’s donkey, to Jonah’s whale and Daniel’s lions, God has continued to use animals in His grand plan and purpose.
We can still use these animals as a metaphor for God’s love and guidance. One notable example comes from Bob Sjogren’s book Cat and Dog Theology: “A dog says, ‘You pet me, you feed me, you shelter me, you love me, you must be God.’ A cat says, ‘You pet me, you feed me, you shelter me, you love me, I must be God.’”
As true as this may be, something wonderful happens when the molds break.
[God] certainly doesn’t want to drag us from one destination to the next. He would rather we follow Him willingly, eager to remain in His presence.
In our family, we recently experienced an interesting phenomenon when it came to our pets. To understand the story better, you need to understand our animals. Ralphie is our young, spirited Maltipoo. He has never met a stranger he didn’t love. He is sweet, loyal and in many ways the ideal companion.
Then we have our chihuahua, Sally. We found Sally roaming our neighborhood in 2014 with no tags and no microchip. She had obviously been mistreated, and when I took her to the vet, they found so many things wrong with her that I was advised, “Don’t be in a huge hurry to find her owner.”
We cleaned Sally up, and two weeks later she was legally ours. While she is affectionate to us and our kids, to this day, if I lift my hand to give her a pat on the head, she winces as if I am going to hit her (something I have never done and never intend to do).
Ralphie and Sally’s unique natures show themselves on our nightly walk around the neighborhood.
Ralphie tries his hardest to pull on the leash and run ahead. He so desperately wants to lead whoever is holding the leash that he nearly chokes himself on his collar. (We’ve had to switch to a harness.) He is unaware that he is only eight pounds, and his actions make little to no difference in the direction we are going.
Sally, however, must be practically dragged throughout the walk. She is timid and afraid to take a step that she isn’t sure is safe.
It’s quite a sight to have such different dogs reacting to the same thing.
Witnessing this phenomenon gave me pause, and I couldn’t help but think what a picture this is for the diverse ways we respond to the Holy Spirit’s leading in our lives.
So many people are like Ralphie. They try to tell God where they want to go without any regard to His guidance. They would rather choke themselves on their own will than listen to what He has to say. Others are like Sally and struggle to fully trust the Lord. For them to move, the Holy Spirit must practically drag them to the next place.
It sounds like a simple premise, but so many followers of God fall into these two opposite extremes. People miss their destinies when they act like Ralphie and Sally.
But there is another pet in our household whom I have not told you about. His name is Caesar, and he is an old, wise cat. We got Caesar the year we were married, and he lived up to his noble name every chance he got. Years ago, on our nightly walks with the dogs, Caesar began doing something amazing.
By his own free will, he would simply follow us on our walks. No need for a leash. No need for us to coax him. He just followed our gentle guidance every night for the mere purpose of being with us. Every now and then we would have to call his name, but he was always nearby.
I believe that in a world full of Ralphies and Sallys, God would rather we be like Caesar. The Lord doesn’t want us to tell Him where we are going rather than let Him lead, and He certainly doesn’t want to drag us from one destination to the next. He would rather we follow Him willingly, eager to remain in His presence.
In Matthew 8:18-22, two men express a desire to follow Jesus. The first is overly eager, not knowing what he is getting himself into. Jesus gives him a stern warning, explaining that he doesn’t know what he’s asking. The second man hesitates and says he needs to bury his father first. We never learn the fate of either man, but I hope they both abandoned their natural tendencies and learned to faithfully follow.
Whether you struggle with being too aggressive on your journey with God or whether you’re entirely too scared to take another step, I believe we can all grow in learning to be led
After sixteen years of being our cat, Caesar died peacefully this past March, but not before we had gotten a kitten named CJ. CJ is full of life and extremely playful. She was always so intrigued by our old friend Caesar that she started following him everywhere he went, even if it meant a walk around our neighborhood.
Caesar indirectly made a disciple with our young kitten, who now follows us on our walks every night. Despite how aggressive Ralphie wants to be or how timid Sally is, we now have CJ, just following along wherever we go.
Whether you struggle with being too aggressive on your journey with God or whether you’re entirely too scared to take another step, I believe we can all grow in learning to be led. If we will stay close to Jesus, we cannot help but fulfill His destiny for our lives.
About the Author
Bill Francavilla
Bill Francavilla is the lead pastor at Living Hope, an Open Bible church in Williamsburg, Virginia. Having lived in Virginia nearly his entire life, he attended Lynchburg College, where he studied history and theater. In 2017 Bill received his master’s degree in theological studies from Liberty University. He has been active in missions to Mexico, Dominican Republic, and Cuba. He and his wife, Jessica, have four children: Alex, Liam, Rita Grace, and Gino.
I am Shane Blackledge, and my wife Amber and I are the founding pastors of Cultivate Church in St. Louis, Missouri. My story is one of transformation and God’s grace, showing how He can use anyone to build His kingdom.
I was born in Colorado at the Air Force Academy Hospital. My father served in the Vietnam War, and while stationed in Taiwan, he met my mother and they got married. When I was six, my parents separated, and my mother moved back to Taiwan, leaving me devastated. As a kid, I faced racism and extreme poverty. I battled depression, anxiety, and thoughts of suicide. I started smoking and drinking at eight years old, joined a gang at age thirteen, and was using meth daily by the time I was fourteen.
At age seventeen, I was arrested and sentenced to thirty years in prison for selling drugs. I found myself in my jail cell wanting to end it all. On my night stand I found a Gideon Bible, and I opened it right to John 3:16. As I sat there reading, I realized I was a sinner, but that God created me and I had a purpose to live. I repented and asked Jesus to forgive me. I felt the Father’s love and the presence of the Holy Spirit in an indescribable way.
After my release, I struggled transitioning back into society (finding a job, paying rent, and finding a church that would accept me). I was discouraged and soon relapsed on meth. During the years of my addiction, I was sent to five prisons and was incarcerated for over six years. In 2006, after nearly dying from an overdose, I woke up from a coma and realized God had saved me from death. That day I fully surrendered to Christ, and that’s when my real transformation began.
In 2006, after nearly dying from an overdose, I woke up from a coma and realized God had saved me from death
God restored what addiction had taken from me. I have now been clean from meth for seventeen years. In 2013, I married Amber. We started attending Waverly Life Church, served as youth leaders, and eventually started a Celebrate Recovery program. In 2022, God called us to plant Cultivate Church in St. Louis, Missouri. We resigned from all ministries and jobs and sold our home. In April of 2023, we started house church gatherings which quickly grew in Christ and numbers. We launched our first Sunday gathering in October of 2023.
Today, we are a church without walls, modeled after the early church in Acts. We have regular church gatherings geared towards discipleship, street ministry, addiction recovery, Christian hip-hop events, prison ministry, and nursing home visits. We work with local treatment centers and recovery programs to support and mentor people. We have partnered with churches and ministries to organize monthly inner-city mission trips.
One way God has used my story is with my podcast: “Kingdom Minded,” which streams into 1000 prisons across the country on over one million inmate tablets. In partnership with the Edovo learning app, the podcast focuses on sharing testimonies and teaching Biblical principles.
Looking back, I am amazed at what God has done. In just a year our church has grown from a small group in our living room to a thriving community, passionate about sharing God’s love. Amber and I are excited about the future. We believe God is just getting started with Cultivate Church.
He can use anyone, even a former addict and convict like me, to build His kingdom.
My story and the story of Cultivate Church are really about God’s faithfulness. He can use anyone, even a former addict and convict like me, to build His kingdom. All the glory goes to Him.
To donate toward our prison ministry and homeless outreach, visit wearecultivatechurch.org or check out our Blessing Bags Gift Registry at HERE.
About the Author
Shane R. Blackledge
Shane R. Blackledge is the co-founder and senior pastor of Cultivate Church. He and his wife Amber started Cultivate Church in their home in 2023. Today, the church is known for spreading the Gospel and being the church without walls. Shane’s podcast, “Kingdom Minded,” is available in over 1000 prisons on inmate tablets on the Edovo Learning App. Through testimonies and Bible principles, the podcast aims to teach, inspire, and equip Christians to live their best life now. Shane is an author and speaker, and his books From Prison to Purpose and Overcoming Codependency are available on Amazon. Shane and Amber have four children and live in St. Louis, Missouri.
