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. 

Review
Belief
Culture
Music
5 min read

Mumford & Sons search for meaning

Wonder about which love they sing of - earthly or divine.

Steve is news director of Article 18, a human rights organisation documenting Christian persecution in Iran.

A band lounge around.
Pondering the reviews.
Mumford & Sons

My old RE teacher always liked to make the point that meaning can be found in anything, if you want to find it.  

“Do you find meaning in a sunset?” he’d ask. “Or only beauty?” 

From the outset of Mumford & Sons’ new record, ‘Rushmere’, the deeper things, as ever, are front and centre - at least for those of us who wish to find them. 

The folk band’s records have always been replete with religious undertones - lead man Marcus Mumford is the son of a preacher, don’t you know? - and they are apparent from the very start of the band’s fifth studio album and first since 2018. 

‘Rushmere’ kicks off with ‘Malibu’, which speaks of finding “peace beneath the shadow of your wings”, and an unnamed “you” being “all I want” and “all I need”. 

There’s even talk, right at the beginning of the song, of feeling “the spirit move in me again - the same spirit that moves in you”.  

Precisely which spirit is meant is never defined - these are song lyrics, after all, not a sermon - but for this listener at least, the reference to the third member of the Trinity appears clear. 

Not every song on the album hits such obvious religious notes, but the opening track is far from unique. Indeed, one needs only to flick through the names of the other songs to get a hint of the deeper meanings on offer, with titles such as ‘Truth’, ‘Anchor’ and ‘Surrender’. 

Meanwhile, in ‘Monochrome’, we’re told that even within a hyacinth can “life”, “restoration” - even “Christ” - be found.  

Could the “out of sight” monochrome “beyond reason” that we are called to contemplate represent the Christ - in theological terms, the “Word” of God - whose fingerprints can be seen across Creation? 

And what is meant when Mumford sings that “the kind of love that I’m always chasing is the kind of love that won’t be chased?”  

As with many of the band’s lyrics, there appears space for both a romantic and religious reading, though perhaps romance is harder to read into metaphors such as a “cup running dry”, as Mumford sings elsewhere in ‘Monochrome’.  

Is it only me for whom this evokes memories of the old Sunday school refrain: “Fill up my cup and let it overflow”? 

‘Truth’, meanwhile, begins with the fairly blunt statement: “I was born to believe the truth is all there is.”  

“Oh my love, hold me fast,” the song ends, and again we are left to wonder about which love he is singing - earthly or divine. 

It isn’t made clear whether such belief remains intact today, nor even which truth is meant, given that we now live in times where such things seem occasionally grey. But ‘Surrender’ appears more black and white, speaking of being brought to one’s knees, “broken” then “put back together”, and “held in the promise of forever”.   

“I surrender, I surrender now,” Mumford cries - words Christian congregations have sung for centuries. 

And as ever with a Mumford & Sons record, ‘Rushmere’ doesn’t hold back from the trickier theological issues, touching upon the concepts of both hell and original sin. 

“Let your anger go to hell,” ‘Where It Belongs,’ Mumford sings in the track of the same name, which is sung like a lament, while in the final track, ‘Carry On’, those of us who believe in original sin are encouraged to consider that “there’s no evil in a child’s eye”. 

“It was made, and it was good,” Mumford sings in a nod to the Creation story, when the world was blemish-free. 

Meanwhile, in ‘Anchor’, Mumford sings that he “can’t say he’s sorry if he’s always on the run from the Anchor”. Which for some of us, at least, will conjure recollection of part of the Bible’s Book of Hebrews that speaks of our “hope” - Jesus - being “an anchor for the soul, firm and secure”. 

“Oh my love, hold me fast,” the song ends, and again we are left to wonder about which love he is singing - earthly or divine. 

Fans of Mumford & Sons - and yes, you’ve guess it, I count myself among them - will recognise that particular phrase from a previous hit, ‘Hopeless Wanderer’, which again seemed to speak to a life of faith; of pilgrims “called by name” trying “so hard to live in the truth”, but being “prone to wander”, as it says in the hymn ‘Come Thou Fount’, which Mumford has also been known to perform. 

So this is not the first Mumford & Sons album to have contained such imagery. Far from it. For those of us who’ve followed the band since their debut album, ‘Sigh No More’, in 2009, there have always been calls to ‘Awake My Soul’ or to find comfort in a future day in which there will be “no more tears.”  

In the years since, we have been encouraged to be ‘Lover[s] of the Light’, or to find hope in a ‘Guiding Light’ who won’t ‘Slip Away’ in the night. 

Perhaps, then, there’s nothing very different about ‘Rushmere’ - it represents just another chapter on a journey of faith - but this particular fan continues to appreciate, deeply, the depth that Mumford and his bandmates continue to bring to our ears.  

And as for the music, well I suppose by now that most readers will probably be familiar with what one can expect from a Mumford & Sons album, and ‘Rushmere’ certainly doesn’t disappoint those of us who like that kind of thing. 

It’s notably shorter than the previous album - nearly half the length - but is probably no worse for it. It’s hard to think of a weak song on the album, while there is something for everyone: from the country feel of ‘Caroline’ (think Counting Crows/Ryan Adams) and rock and roll of ‘Truth’, to the gentle fingerpicking and harmonies of ‘Monochrome’. Heck, the banjos even make a comeback on the self-titled ‘Rushmere’, so truly something for everyone - or at least for all of us fans.   

By the way, my old RE teacher never told us what he believed, but I later found out that he’d once been ordained, so I suppose that he, like me, might still find meaning in a sunset or even, perhaps, a Mumford & Sons record.

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