Well by definition they are all mooches because they borrow without repaying you back, however, they are investing in the kingdom of God. So take your pick I guess. Most missionaries are very giving and we are to support those families. For instance I work full time in a secular job, and I should donate to missions in support of their ministries, along with opening up my home when needed. I think people are ultimately selfish with their time and not so much their money, which makes me have a deep respect for most missionaries over seas. They endure horrible & dangerous conditions and leave the comforts of the United States to reach out to the lost in other parts of the world.
However, I say most because I know a missionary family that is in Kenya and they have gotten to meet other Christian missionaries over the years. One very common thing that occurs with missionaries, that they told me, is that some will pocket money in excess for their retirement and 401k, since they do not have those types of benefits. I find this very appalling since that we do not retire from working for God. For the working man retirement should mean moving into a full time position with the church, not sitting on a beach soaking up the sun. It reminds me of a quote from John Piper's book, "Dont Waste your Life".
It says, "I will tell you what a tragedy is. I will show you how to waste your life. Consider a story from the February 1998 edition of Reader’s Digest, which tells about a couple who “took early retirement from their jobs in the Northeast five years ago when he was 59 and she was 51. Now they live in Punta Gorda, Florida, where they cruise on their 30 foot trawler, play softball and collect shells.”
At first, when I read it I thought it might be a joke. A spoof on the American Dream. But it wasn’t. Tragically, this was the dream: Come to the end of your life—your one and only precious, God-given life—and let the last great work of your life, before you give an account to your Creator, be this: playing softball and collecting shells.
Picture them before Christ at the great day of judgment: ‘Look, Lord. See my shells.’ That is a tragedy. And people today are spending billions of dollars to persuade you to embrace that tragic dream. Over against that, I put my protest: Don’t buy it. Don’t waste your life.”"
that some will pocket money in excess for their retirement and 401k, since they do not have those types of benefits. I find this very appalling since that we do not retire from working for God.
Do you make a distinction between a missionary's "personal funds" and "ministry funds" and if so, isn't this a commendable trait of planning and foresight for a missionary to use personal funds for kid's college or for when they get older?
The majority of the missionaries I know are trying NOT to retire and only do so when they get too sick or enfeebled to serve overseas and need better facilities.
My org made me contribute to a plan, since they know the mindset of many missionaries - and I am very thankful to them for this forced policy of having a minimum taken out each month for "retirement" or "savings" since many otherwise would leave the field with nothing to their name.
---------- Post added at 10:55 AM ---------- Previous post was at 10:48 AM ----------
Yet missionaries are as likely as anyone physically and mentally to decline to the point of being unable to engage in active work of any kind. Some provision must be made for their maintenance and expenses during the decline of their life: a decline that in our times is likely to be quite lengthy and staggeringly expensive. It’s all very well to say people shouldn’t retire, but when you can no longer preach, teach, or write, or at least can do so only at a very reduced rate, what exactly are you supposed to do?
I agree with what you just said, but they are taking money donated for their ministry and pocketing it. Technically speaking, the church should provide for them when they can no longer serve. My point was they were taking money that was intended for their ministry and putting some aside for themselves (even though it was not intended for that purpose).
You wrote,
.
the church should provide for them when they can no longer serve.
But the church IS providing for them when they can no longer serve if they allow freedom in a missionary's use of funds and/or sets up a retirement or savings fund for them.
Sad to say, but most churches forget about a "non-producing" missionary once they return Stateside. I know several missionaries who even had to go into debt to buy their plane tickets back home and not even 6 months' notice was given to give the family a smoother transition. I have one supporting church of this mindset right now and they left a hurting couple nearly stranded overseas...all because the wife got stressed out and "couldn't hack it" and they were forced to return home (and will never be salvaged again for later service because of the scars inflicted).
---------- Post added at 11:09 AM ---------- Previous post was at 10:55 AM ----------
The 401k is simply a tax-deferred account to draw from when you are older. There is nothing in the law requiring it to be used for collecting shells on the beach.
When people think of retirement that's typically what comes to mind. Taking away funds for personal necessity is one thing (food, clothes & shelter), but its something else when you are socking away money in a 401k for retirement when you are in a country full of people that are starving. I'm not just picking on the missionaries because we are all guilty of that. Think about the distribution of wealth in the United States compared to the world. Here is a quick example:
World distribution of wealth - Wikipedia, the free encyclopedia
If you don't want to look, according to Wikipedia the United States holds 32.65% of the wealth of the world. The average income of a family in the United States is around 30k a year. The average family income in the world is around 10k. However, this number is very misleading since the majority of the worlds population lives on dollars a day. So I ask, how can a family struggling to even eat in a different country retire? Is there such a thing as retirement for the majority of the worlds population? Are we showing lack of trust in God since he promises to provide for his children? Wouldn't these verses listed below also apply to retirement?
Mat 6:27 And which of you by being anxious can add a single hour to his span of life?
Mat 6:28 And why are you anxious about clothing? Consider the lilies of the field, how they grow: they neither toil nor spin,
Mat 6:29 yet I tell you, even Solomon in all his glory was not arrayed like one of these.
Mat 6:30 But if God so clothes the grass of the field, which today is alive and tomorrow is thrown into the oven, will he not much more clothe you, O you of little faith?
Mat 6:31 Therefore do not be anxious, saying, 'What shall we eat?' or 'What shall we drink?' or 'What shall we wear?'
Mat 6:32 For the Gentiles seek after all these things, and your heavenly Father knows that you need them all.
Mat 6:33 But seek first the kingdom of God and his righteousness, and all these things will be added to you.
Mat 6:34 "Therefore do not be anxious about tomorrow, for tomorrow will be anxious for itself. Sufficient for the day is its own trouble.
Robert,
If these are your views, you should apply this more broadly and strive to make sure your pastor also is not taking out retirement either and has no plans to retire. Then work towards reforming the entire congregation of your church. Then, make sure that you yourself work up until your dying day or die before you become un-productive. If you fall ill or become frail, I would also expect you to reject any government-subsidized healthcare so that you can maintain a purity of principle.
-
Yes. I agree with you that there is a wealth disparity in the world.
There is only so much each of us can do, however. Us missionaries are willing to suffer hardship. Most of us, also, don't feel entitled to any retirement and most people I know don't even have an expectation of retiring unless their health fails (a very real possibility). But....it is a real, nice thought when one's missionary org or church makes such a provision and encourages us to store money away for a later time.
Our W-2 reads about 30k per year. The CIA Factbook lists my country's yearly average income at 660 USD per year. That's quite a humbling disparity and we live daily with a very real awareness of this. My org provides a plan for me and I have several thousand dollars saved up now after 6 years. I live with a daily humbling knowing that I am one of the richest folks around me.
-
A final observation, in many non-western cultures, there are tighter expectations of how we treat our old people and there are fewer old folk's homes in many areas overseas and more frequent living arrangements which include extended family.
---------- Post added at 11:11 AM ---------- Previous post was at 11:09 AM ----------
p.s. it is a false dichotomy to say one is being anxious for tomorrow due to saving. Heeding Matthew 6 does not necessitate a lack of fiscal foresight.
---------- Post added at 11:20 AM ---------- Previous post was at 11:11 AM ----------
I agree with what you just said, but they are taking money donated for their ministry and pocketing it. Technically speaking, the church should provide for them when they can no longer serve. My point was they were taking money that was intended for their ministry and putting some aside for themselves (even though it was not intended for that purpose).
So you’re saying the church should have a pension plan. That’s not a bad idea.
I would suggest that if you don’t trust a missionary to make their own judgments about saving, that you simply support another with whom you feel more comfortable. But please don’t accuse them of misappropriating funds, or of raising funds under false pretenses. Most people understand that spending, saving, and giving, are all things that will happen to donated money.
Ruben,
You mentioned ...
raising funds under false pretenses.
This is a HUGE area in missions. And many missionaries are guilty of this, at least occasionally and mostly due to lack of clear communication or not thinking through things enough.
Donor intent:
The phrase "donor intent" is very important when dealing with the relationship betweeen missionaries and their supporters. Was this check mailed to me for "me" for "ministry" for "the local ministry [meaning not other ministries or not my ministries in other areas]" ...or is it ear-marked for a special project. If so, does this include transportation to and from the place of the special project, food eaten while doing the special project? If given money for a trip where "business" and pleasure are mixed, can I take my wife out to eat, buy a toy for my kids, pay a little extra for a room with A/c, etc, when done on a supporter's dime?
So "donor intent" (what the donor desires to be done with his money) is often very fuzzy and the missionary can be wracked by quilt sometimes. Especially if they get tricked out of 200 USD, like I did 2 months ago. Also, determining donor intent is essential for IRS purposes as well, especially for orgs such as mine that strive to have good ECFA ratings every year.
Some donors have (God bless these folks) given some funds and have disallowed the funds to be used for ministry, stating that the funds may only be used for toys or a date night with my wife, etc...and this allows us to free our minds from the constant calculations done whereby we rate our effectiveness versus our monthly expenditure...etc.
---------- Post added at 11:42 AM ---------- Previous post was at 11:20 AM ----------
I find this very appalling since that we do not retire from working for God.
So how many elderly and infirm (unable to work) missionaries are you supporting?
I know one or two churches that, commendably, look after their infirm ex-missionaries.
I have also talked to far more churches that see these older missionaries as a burden. Some even wish to be rid of the burden so as to support younger workers. Some inherited the support of these older missionaries when they took the pastorate; sometimes the church has even changed somewhat in doctrine but just didn't feel right to drop someone after 20 years of support... many calvinistic baptist churches are using their mission dollars to support sometimes up to 30% semi-Arminian missionaries over the age of 55, waiting for them to retire in order to take on a younger crowd. And sadly, younger missionaries are not really replacing the older crowd - who went out in a wave after WWII.
Local churches are incredibly fickle and unreliable. Most pulpits in the US change at least every 3-5 years. I could not advise any missionary to trust their local church back home to be there 20 years from now for them. Most churches are only the same church in name only after 2 decades and you almost might as well say it is nearly a different church than the one which began the support of the missionary in the first place.
---------- Post added at 11:44 AM ---------- Previous post was at 11:42 AM ----------
I find this very appalling since that we do not retire from working for God.
So how many elderly and infirm (unable to work) missionaries are you supporting?
I know one or two churches that, commendably, look after their infirm ex-missionaries.
I have also talked to far more churches that see these older missionaries as a burden. Some even wish to be rid of the burden so as to support younger workers. Some inherited the support of these older missionaries when they took the pastorate; sometimes the church has even changed somewhat in doctrine but just didn't feel right to drop someone after 20 years of support... many calvinistic baptist churches are using their mission dollars to support sometimes up to 30% semi-Arminian missionaries over the age of 55, waiting for them to retire in order to take on a younger crowd. And sadly, younger missionaries are not really replacing the older crowd - who went out in a wave after WWII.
Local churches are incredibly fickle and unreliable. Most pulpits in the US change at least every 3-5 years. I could not advise any missionary to trust their local church back home to be there 20 years from now for them. Most churches are only the same church in name only after 2 decades and you almost might as well say it is nearly a different church than the one which began the support of the missionary in the first place.