How to Decide How to Invest

The American economy is struggling. Inflation is worse than at any time in the past forty years and the stock market has lost a quarter of its value since January of 2022. Retirees, many on fixed incomes, have lost $3 trillion in the same time.[1] Many are struggling just to get by. Necessities like food, fuel, clothing, shelter, and often health care, slip out of the fingers of millions of our countrymen.

Simultaneously, inflation is 9.1%, and the average interest on money in savings accounts is less than 1%. This means that in terms of purchasing power, savers are losing over 8% on their money.  For example, one hundred dollars in a savings account now could rise to $101 one year hence, but would only be able to buy $93 worth of goods and services.

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Values-Aligned Investing

Put your money where your heart is, and live your conscious with your finances. 

Christians often have a conflicted relationship with money. On one hand, Paul was a tentmaker who supported himself in ministry, and he tells Timothy that “a man who fails to care for his family is worse than an infidel (1 Timothy 5:8).” Many saints in the Bible were wealthy, from Abraham to Joseph of Arimathea, and they used their wealth to further the Kingdom of God.

Simultaneously, the Bible speaks often of money, and warns repeatedly against pursuing wealth. Paul says, “the love of money is the root of all sorts of evil (1 Timothy 6:9-10).” Agur advises “Remove far from me vanity and lies: give me neither poverty nor riches; feed me with food convenient for me: Lest I be full, and deny thee, and say, Who is the LORD? or lest I be poor, and steal, and take the name of my God in vain (Proverbs 30:8-9).” Jesus Himself warns, “Then Jesus said to His disciples, “Truly I tell you, it is hard for a rich man to enter the kingdom of heaven. Again I tell you, it is easier for a camel to pass through the eye of a needle than for a rich man to enter the kingdom of God (Matthew 19:23-24).”

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