Article
Culture
Economics
Generosity
5 min read

Be generous: pass on values and vision, not just wealth

Millennials may not earn more—but they could steward more wisely
An illustration of a family around a table looking at graph on a laptop.
Nick Jones/Midjourney.ai.

For the first time in modern history, this present generation of 28 to 43-year-olds will not achieve a higher standard of living than their parents. This is due to factors including wage stagnation, exorbitant house prices, equally exorbitant student debt, and an unstable job market.  

Paradoxically, this same generation stands to inherit the greatest amount of wealth in history. The Financial Times estimates this to be about £8.3 trillion in the U.S., £2.7 trillion in Europe, and £2.2 trillion in Asia.  

For Christian families fortunate enough to find themselves in this situation, it’s important to consider that passing on wealth is not just a financial issue, it’s a discipleship issue. And before we delve in, I want to acknowledge that not every reader will fit the traditional family model. You might be single, part of a blended family, estranged from children, or mentoring younger people instead of raising them. The principles here still apply - ‘next generation’ simply means those you influence.  

Talk about it 

One of my soap boxes is to encourage people, especially Christians, in the UK to talk more about money and giving. This becomes especially important within families who steward a lot of wealth. If parents don’t speak to their children about their wealth – what they’re doing with it and why – they run the risk of their children 

  • feeling overwhelmed by the responsibility and potentially making poor choices,  

  • not understanding or valuing their parents' heart for good stewardship and potentially squandering the wealth, 

  • doing things their own way and potentially dishonouring their parents’ wishes, or 

  • feeling resentful that they did not inherit as much as they thought they would. 

Being intentional and speaking openly as a family about your wealth will give you as parents a chance to inculcate your children with conviction about and purpose for what God has blessed you, and them, with. And it will give your children the opportunity to share their own heart and views on how to use wealth for good, as these may differ from yours.  

There is a plethora of information out there, and plenty of professional advisors who would love to be called upon to manage your wealth transfer, but, if you are a person of Christian faith, let us challenge ourselves to look to Scripture as a first point of departure.  

David and Solomon  

King David looms large as a character in the Old Testament. One of his ambitions was to build a temple for the Lord in Jerusalem. But God explicitly told him that he didn’t want David to do the building; instead, this project was to be passed on to his son, Solomon. We know that David was a very wealthy man, and that the temple building project would require vast amounts of resources, and thus, perhaps we can consider this instance as one of the great wealth transfers of ancient times. 

There are many takeaways from this story, but here are a few that stand out to me.  

David’s desire to build a temple for the Lord comes after he’s built an extravagant palace for himself. This invites a question: how many of us might come to the end of our working lives and realise we’ve had similar priorities?  

While we don’t have a way of knowing how much Solomon’s own ideas were welcomed in the planning and preparation, I think we can assume that David spent a lot of time imparting his vision and motivation to Solomon. There’s no way this kind of philanthropic project could’ve been executed otherwise.  

While this transfer started well, it didn’t end well. Solomon went on to accumulate even more wealth than his father and ended his life in a downward spiral of excess and deception. I’m not saying there is a direct correlation between inheriting wealth and getting caught in a downward spiral, but there are many temptations and pitfalls to contend with. 

There’s something to be said for timing. While one of the scripture passages that relate this story makes it sound like the handover went smoothly, another paints a very different picture. In it we see an elderly king clinging to his position and refusing to pass his mantle to Solomon until a coup by another son forces his hand.  

What can we learn from this?  

If we want our children to use their inherited wealth wisely and generously, it’s vital that they witness their parents modelling the right priorities. If I’ve pursued the accumulation of wealth more than I’ve pursued generously sharing my resources, my children are more likely to do the same. 

If we intend to pass our legacy on to our children, we must involve them in the conversation early on. And we must be careful to allow room for their own ideas lest they grow disillusioned and disengage.  

We cannot control what our children do with the wealth we give them; we can only do our best to model the right attitude before God when it comes to our resources. The best way to do this is to teach our children that everything we have comes from God and is to be used for his purposes, not for our own material excess.  

Know when to pass on the mantle. If we hang on too long, we risk opening the door to unnecessary division and conflict within our family. It’s also worth considering transferring wealth earlier rather than later in order to be philanthropically active as a family. As in a relay race, the person being passed the baton must for a time be running at the same speed as his or her predecessor.  

The great generational transfer  

When the time comes to hand over our resources and our legacy to the next generation, there are many things to consider. We’re not just handing over our money; we’re handing over all of what we’ve learned and experienced in our walk with God. I would argue that this spiritual transfer is even more significant than any other kind. For that, we have many biblical examples we can turn to: Moses and Joshua, Elijah and Elisha, Paul and Timothy, and of course, Jesus and his Church.  

Jesus told his disciples to go and make disciples of all nations, akin to what God said to Adam and Eve way back in the beginning: Be fruitful, fill the earth and exercise good stewardship over it. Our mission has always been to steward the earth, see it flourish, and point people to a relationship with God. To do this, God has put resources into our hands to be stewarded well and faithfully passed on to the next generation. It’s imperative that we do this well if our message is to be taken seriously.  

What would it look like for your family, or the next generation you influence, to steward both resources and faith together?  

 

Stewardship UK sponsors series 8 of the Re-Enchanting podcast. Find out more. 

Article
AI - Artificial Intelligence
Culture
Generosity
Psychology
Virtues
5 min read

AI will never codify the unruly instructions that make us human

The many exceptions to the rules are what make us human.
A desperate man wearing 18th century clothes holds candlesticks
Jean Valjean and the candlesticks, in Les Misérables.

On average, students with surnames beginning in the letters A-E get higher grades than those who come later in the alphabet. Good looking people get more favourable divorce settlements through the courts, and higher payouts for damages. Tall people are more likely to get promoted than their shorter colleagues, and judges give out harsher sentences just before lunch. It is clear that human judgement is problematically biased – sometimes with significant consequences. 

But imagine you were on the receiving end of such treatment, and wanted to appeal your overly harsh sentence, your unfair court settlement or your punitive essay grade: is Artificial Intelligence the answer? Is AI intelligent enough to review the evidence, consider the rules, ignore human vagaries, and issue an impartial, more sophisticated outcome?  

In many cases, the short answer is yes. Conveniently, AI can review 50 CVs, conduct 50 “chatbot” style interviews, and identify which candidates best fit the criteria for promotion. But is the short and convenient answer always what we want? In their recent publication, As If Human: Ethics and Artificial Intelligence, Nigel Shadbolt and Roger Hampson discuss research which shows that, if wrongly condemned to be shot by a military court but given one last appeal, most people would prefer to appeal in person to a human judge than have the facts of their case reviewed by an AI computer. Likewise, terminally ill patients indicate a preference for doctor’s opinions over computer calculations on when to withdraw life sustaining treatment, even though a computer has a higher predictive power to judge when someone’s life might be coming to an end. This preference may seem counterintuitive, but apparently the cold impartiality—and at times, the impenetrability—of machine logic might work for promotions, but fails to satisfy the desire for human dignity when it comes to matters of life and death.  

In addition, Shadbolt and Hampson make the point that AI is actually much less intelligent than many of us tend to think. An AI machine can be instructed to apply certain rules to decision making and can apply those rules even in quite complex situations, but the determination of those rules can only happen in one of two ways: either the rules must be invented or predetermined by whoever programmes the machine, or the rules must be observable to a “Large Language Model” AI when it scrapes the internet to observe common and typical aspects of human behaviour.  

The former option, deciding the rules in advance, is by no means straightforward. Humans abide by a complex web of intersecting ethical codes, often slipping seamlessly between utilitarianism (what achieves the most amount of good for the most amount of people?) virtue ethics (what makes me a good person?) and theological or deontological ideas (what does God or wider society expect me to do?) This complexity, as Shadbolt and Hampson observe, means that: 

“Contemporary intellectual discourse has not even the beginnings of an agreed universal basis for notions of good and evil, or right and wrong.”  

The solution might be option two – to ask AI to do a data scrape of human behaviour and use its superior processing power to determine if there actually is some sort of universal basis to our ethical codes, perhaps one that humanity hasn’t noticed yet. For example, you might instruct a large language model AI to find 1,000,000 instances of a particular pro-social act, such as generous giving, and from that to determine a universal set of rules for what counts as generosity. This is an experiment that has not yet been done, probably because it is unlikely to yield satisfactory results. After all, what is real generosity? Isn’t the truly generous person one who makes a generous gesture even when it is not socially appropriate to do so? The rule of real generosity is that it breaks the rules.  

Generosity is not the only human virtue which defies being codified – mercy falls at exactly the same hurdle. AI can never learn to be merciful, because showing mercy involves breaking a rule without having a different rule or sufficient cause to tell it to do so. Stealing is wrong, this is a rule we almost all learn from childhood. But in the famous opening to Les Misérables, Jean Valjean, a destitute convict, steals some silverware from Bishop Myriel who has provided him with hospitality. Valjean is soon caught by the police and faces a lifetime of imprisonment and forced labour for his crime. Yet the Bishop shows him mercy, falsely informing the police that the silverware was a gift and even adding two further candlesticks to the swag. Stealing is, objectively, still wrong, but the rule is temporarily suspended, or superseded, by the bishop’s wholly unruly act of mercy.   

Teaching his followers one day, Jesus stunned the crowd with a catalogue of unruly instructions. He said, “Give to everyone who asks of you,” and “Love your enemies” and “Do good to those who hate you.” The Gospel writers record that the crowd were amazed, astonished, even panicked! These were rules that challenged many assumptions about the “right” way to live – many of the social and religious “rules” of the day. And Jesus modelled this unruly way of life too – actively healing people on the designated day of rest, dining with social outcasts and having contact with those who had “unclean” illnesses such as leprosy. Overall, the message of Jesus was loud and clear, people matter more than rules.  

AI will never understand this, because to an AI people don’t actually exist, only rules exist. Rules can be programmed in manually or extracted from a data scrape, and one rule can be superseded by another rule, but beyond that a rule can never just be illogically or irrationally broken by a machine. Put more simply, AI can show us in a simplistic way what fairness ought to look like and can protect a judge from being punitive just because they are a bit hungry. There are many positive applications to the use of AI in overcoming humanity’s unconscious and illogical biases. But at the end of the day, only a human can look Jean Valjean in the eye and say, “Here, take these candlesticks too.”   

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