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.
A few years ago, while I was pastoring in California, our church had a dream for our mission trip to Mexico: to build two homes for two families in need. We believed it was a God-given dream, but we had only enough resources to build one home (and even that was a stretch). Despite our prayerful planning, the resources for the second home seemed out of reach.
Then something unexpected happened. A pastor from another state heard about what we were trying to accomplish. He wasn’t part of our church. He wasn’t part of our denomination. In fact, he had no obligation or benefit to help us at all. Yet he believed in the vision God had given us. His church provided the remaining funds, and because of their generosity, two families instead of one received homes.
I have never forgotten that response because it reminded me that God’s Kingdom has always been bigger than any one church, ministry, or even denomination.
In a world that often celebrates building our own name and platform, the words of Jesus are challenging:
“But seek first the kingdom of God and His righteousness…” (Matt. 6:33 NKJV).
“But seek first the kingdom of God and His righteousness…”
(Matt. 6:33 NKJV)
Notice what Jesus didn’t say. He didn’t tell us to seek first our own ministries, churches, or reputations. He called us to seek first His Kingdom. And when we do, something beautiful happens.
We begin celebrating what God is doing beyond our own walls. We stop asking, “How does this benefit us?” and instead ask, “How can we join what God is doing?” Our perspective shifts from ownership to stewardship and from building our own kingdoms to advancing His.
I believe that this perspective shift is one of the key reasons the early church experienced such extraordinary multiplication and unity.
Acts 2 gives us one of the clearest pictures in all of Scripture of what happens when God’s people put His Kingdom first. The chapter is, in many ways, the story of “all.” Or as I like to say, “The Power of We.”
The result we see is twofold: they enjoyed the goodwill of all the people, and each day God added to those being saved.
Their unity resulted in the Kingdom of God multiplying beyond what any individual could accomplish or hope for. Their unity wasn’t manufactured; it was built on seeking first the Kingdom of God and His righteousness.
I love how Psalm 133 expresses this truth:
“How good and pleasant it is when God’s people live together in unity. . . For there the Lord bestows his blessing” (Psalm 133:1-3 NIV).
When is the blessing of the Lord released? When His people prioritize unity.
When churches work together in unity, their unity does not diminish the importance of each individual church. Quite the opposite. I deeply believe the local church is God’s plan for reaching the world. Every church matters. Every pastor matters. Every congregation has a unique calling to fulfill.
But what is encouraging is to know that our local churches are part of something much larger. Open Bible Churches is not the Kingdom of God. Your local church is not the Kingdom of God. But together we are privileged to be part of Christ’s Church, advancing His Kingdom alongside brothers and sisters from every tribe, tongue, and nation, who all proclaim Jesus Christ as Lord.
Imagine what could happen if every church celebrated every life changed, every church planted, every missionary sent, every leader raised, every community impacted, not because it happened through “our” ministry, but because it advanced His Kingdom. We don’t all have the same assignment, but we do share the same mission.
We don’t all have the same assignment, but we do share the same mission.
I believe that’s the kind of unity Jesus prayed for. I believe that is the kind of unity we are striving for. It is the kind of unity the early church experienced, and it’s the kind of unity our world desperately needs to see today.
Remember that pastor who helped my church build homes in Mexico? What made his contribution even more remarkable was that his own church was in the middle of a building project. They had needs of their own. They could have easily said, “Maybe another time.” Instead, they chose to invest in someone else’s Kingdom assignment while trusting God to provide for theirs. I will never forget it. He wasn’t thinking about whether it was his church’s project or what it meant for their own building campaign. He simply recognized it was God’s work and chose to be part of it.
May that be true of us
Perhaps that’s what Jesus had in mind when He said,
Seek first the Kingdom of God.
When His Kingdom becomes our highest priority, our own agendas begin to take their proper place. Unity becomes more than something we talk about; it becomes something we live. We celebrate what God is doing through others because we recognize that every life changed, every church strengthened, every missionary sent, every young leader raised, and every community impacted is a victory for the Kingdom.
When God’s people seek His Kingdom first, I believe He still does what He has always done. He pours out His blessing and advances His Kingdom through a united church.
About the Author
Michael Nortune serves as president of Open Bible Churches. He has ministered in the local church faithfully for over 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 four of their six children and their spouses. They also treasure the time they spend with their five grandsons (and counting) whenever possible!
There has been much discussion about the future of the Church. While I’m not a futurist or researcher, I’m grateful for voices that help us think wisely about pursuing the mission of the Church in an ever-changing culture. Researchers like Ed Stetzer and Carey Nieuwhof highlight some encouraging trends, such as revivals on college campuses, rising Bible sales, and Gen Z’s hunger for authentic faith.
I carry deep conviction and a faith-filled anticipation about what I see and am praying for. When I think about the Church and the days ahead, I don’t see a Church in retreat, but I do see a Church being refined – prepared for what God is getting ready to do. A victorious and glorious Church (Eph. 5:27).
When I think about the Church and the days ahead, I don’t see a Church in retreat, but I do see a Church being refined.
Jesus said, “I will build my church, and the gates of hell shall not prevail against it” (Matt. 16:18 ESV). That promise has no expiration date. Jesus is still building His Church today.
As the church advances, it will not stand on programs, buildings, or production. . . it will be built on the authority of Christ and the power of the Holy Spirit.
Across the body of Christ, there is a growing recognition that the future of the Church will not be built by addition alone, but by multiplication. Disciples will make disciples, leaders will develop and release leaders, and churches will plant churches. There are many voices helping to bring clarity to this, and we are seeing that same conviction take shape within Open Bible through our Mission to Multiply and the Power of We.
So, when I think about the Church and what is ahead of us, what do I see?
I SEE A MULTIPLYING CHURCH
We often measure success by attendance, budgets, and programs. While salvations and baptisms remain central, we must expand the scorecard. As Larry Walkemeyer describes in The River Church, we must move from “lake churches” that gather to “river churches” that send – becoming disciple makers who multiply.
The book of Acts shows us a model of a church that did not just meet but multiplied. The future will not belong to churches that simply gather a crowd, but it will belong to churches that make and send disciple makers. Jesus did not commission us to build an audience. He commanded us to go and make disciples (Matt. 28:19). Multiplication begins there – in intentional, relational, Spirit-led disciple making.
Multiplication is not just a strategy or a motto we adopt. It is the culture of Spirit-empowered, disciple-making churches. The Church I see measures health not only by attendance, but by how many are discipled, equipped, and sent to reproduce what’s been invested in them. This is our Mission to Multiply.
I SEE A SPIRIT-EMPOWERED CHURCH
We live in a time of rapid change. Technology, AI, and social media shape how we communicate and connect. These tools can be helpful, but they don’t transform lives. The Holy Spirit does.
These tools can be helpful, but they don’t transform lives. The Holy Spirit does.
Pentecost was Heaven’s defining moment for the birth of the Church and the fulfillment of what Jesus said in Acts 1:8. The early followers of Jesus did not have the influence, resources, or tools we have today. What they had was the power of God. That has not changed!
In the days ahead, more than ever, the Church will move forward not through innovation alone but through consecration. The church I see is unapologetically dependent on the Spirit of God.
I SEE A COURAGEOUS CHURCH
In the book of Acts, every step forward required courage – Peter and John before the Sanhedrin, Stephen in the face of death, Peter going to Cornelius’s home, the sending out of Paul and Barnabas. These were not small steps; they were courageous steps across cultural and spiritual boundaries. The early Church moved from gathering to going, from addition to multiplication. The expansion of the early Church was not accidental. It followed obedience and courage.
The Church I see will walk in that same Spirit.
Courage to preach the truth in love.
Courage to plant in hard places.
Courage to raise and release the next generation.
Courage to choose multiplication over comfort.
Courage to link arms with others for the sake of the greater mission.
Courage to build the Kingdom over our own castles.
We can stand on His promise and by His Spirit knowing “God has not given us a spirit of fear but of power and of love and of a sound mind” (2 Tim. 1:7 NKJV).
I SEE THE POWER OF WE
As we look forward, one of the strongest convictions I carry is this: our future will be stronger through the Power of We.
Individualism limits impact; partnership multiplies it. When we share vision, develop leaders, and align around mission, we step into something far greater than any one church could accomplish alone. I believe the future Church will not thrive through isolation but will flourish through collaboration. The church I see understands that “we” is stronger than “me.”
When we share vision, develop leaders, and align around mission, we step into something far greater than any one church could accomplish alone.
I am confident in what God has called us to:
The church that makes disciple makers will multiply.
The church that depends on the Holy Spirit will endure.
The church that walks in courage will advance. This is the church I see, and I believe we are being invited to build it together.
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!
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!