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
Culture
Holidays/vacations
Mental Health
Wildness
5 min read

This is why we must go down to the sea

Stepping off the shore restores more than our sanity

Paul is a pioneer minister, writer and researcher based in Poole, Dorset.

A sunset over an island casts golden light on the sea and a beach.
An Argyll beach.
Nick Jones.

It’s that time of year again. Much of Britain has been enjoying (or possibly enduring) a heatwave, the summer holidays are approaching, and our thoughts naturally turn toward an escape from our ordinary, often urban, landlocked, lives. And for many of us that escape will be to the sea. It’s true, we really do like to be beside the seaside. As a nation our souls seem to suffer from an annual experience like that described in John Masefield’s poem Sea-Fever as we head coastwards muttering ‘I must go down to the sea again...’  

We want to holiday by the sea – as the market for second homes in places like Cornwall will confirm. We also want to live permanently by the sea, or at the very least by the water. Some experts estimate that properties by the water have an average increased value of around 48 per cent. Water sells. It does so perhaps because proximity to it provides something of a mental escape from the overwhelming rigidity and linearity of our predominantly urban environments.  

Iain MacGilchrist has argued that our modern lives suffer from the triumph of the left-brain hemisphere’s attention to the world. This is a focussed attention that is all about controlling and getting. It leads to the creation of a self-contained and ordered world with little attention to context. And so little attention to the natural, complex, fluid reality of creation. MacGilchrist goes on to correlate the rise in a variety of mental illnesses characterised by what he calls ‘right hemisphere deficits’ with industrialisation and the development of our culture of modernity.  

In his book Blue Mind Wallace Nichols explores the evidence for the positive effect of water on the brain. He highlights how a proximity to water can heal, restore, give us a sense of connection and promote calm. He argues that water can shift our minds into what he calls ‘drift’, the kind of mental attention which generates calm. Being with, on, better still in water, is undoubtedly good for us. No wonder we are drawn to it.  

Yet at the same time water, and particularly the sea, has been a source of terror. A no-go area ‘where there be dragons’, OK, lobsters for sure, probably sharks, and whales like Moby Dick. The sea remains one of the last places of mystery, an unfathomed, unfathomable place of endless dark water. We know more about the far reaches of the universe than we do about the truly deep ocean. Mythical creatures of the deep, whether Nessie, or one of various giant specimens hauled unsuspectingly from the ocean, continue to populate the diminishing space of our wonder and fear of the unknown.  

So whilst elucidating the psychological benefits of water is certainly helpful, it’s all a bit…tame. Is it just another way of humans turning the wild and numinous into something we now think we understand? Something we can now control and apply in our lives for our own benefit and comfort? Have we demystified the sea? Reducing its mysteries to little more than a balm for our troubled modern minds? A lure for our attention and our debt in an overheated housing market? 

In the Christian tradition the sea is a place of profound paradox. Creation begins with God’s Spirit hovering over the water. However, the Hebrew scriptures also present the sea as a place of God’s absence. The sea is the place of monsters and mystery, and death. It’s also the place of perhaps the most famous whale in all literature. The whale that swallows the hapless Jonah. Jonah’s story expresses the deep paradox of the sea as a place of death and yet also a place of divine encounter. It is in the depths of the sea, and the digestive system of the whale, that Jonah’s epiphany takes place and his journey starts anew. 

Stories of Jesus also deal with this paradox of wildness and encounter in the chaos of the sea. In the story of the calming of the storm the wild threat of the sea is not rendered as simply something to be avoided. Jesus is not a fixer making all daily dangers obsolete. Rather the story says that it is precisely in such moments of wildness, fury and terror that his powerful presence can be encountered.  

To step off the shore and into the sea is to enter the possibility of the death and (paradoxically) the real possibility of deeper life.

It’s for these reasons perhaps that, John Good, a friend of mine, has formed a Christian community that’s based around encounter with the sea. Located as it is in an area almost surrounded by the sea, it started as a social enterprise helping people access the water who otherwise lacked the equipment or resource to do so. Pretty soon it became clear that this was transformational for people. Enabling families otherwise excluded from a life-giving resource to enjoy it as much as anyone else was powerful. One person referred to the experience by saying that on that day the sea had been ‘her saviour.’ Ocean Church began with a gathering on three large, tethered paddleboards some metres offshore. They now run retreats and pilgrimages on the sea, practice centering prayer (a form of Christian meditation or contemplative prayer) on the sea and continue to explore what it means to meet God on the water.  

We yearn for the sea, and the water, for more than a balm for the mind. The sea remains that place, in our mechanised, technological world with its constant lure of control and mastery, where an immersion in dangerous mystery can still be experienced. To step off the shore and into the sea is to enter the possibility of the death and (paradoxically) the real possibility of deeper life. To be held buoyant by the sea and look to the horizon is to get it touch with our finitude in the context of the vastness of the seas. It is to engage with our utter dependency on the creation which we inhabit and to connect with the presence that holds that creation together.  

To step into the sea is even therefore a step of faith. A step in the direction of our own vulnerability. A brave step away from the world in which our technology, our algorithms, our machines and our skyscrapers dupe us into a faith in our own control, our own supremacy. A step into the depths. ‘Deep calls to deep’ says the psalmist as ‘all your waves and breakers have swept over me.’ As many of us step into the sea this summer it may certainly be a step toward a restored sanity, but it might also be a step toward a restored soul.   

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