A Risk-Free Future?

Cheryl and I received a promo flyer in the mail from a certified finan­cial planner inviting us to dinner at a nice restaurant where we’d hear a pre­sentation about the advantages of doing business with his company.  For some reason I decided to actually read this advertisement—and I was struck by “Bill’s” bold promise (not his real name).

Bill’s unique, much needed service “heralds a new era in which retirees can enjoy security without risk and a future without uncertainty.”  Just think:  security without risk and a future without uncertainty.

If I had heard such words to summarize the core confidence believers can have when it comes to spiritual things, I’d say, “Amen.”  After all, despite the risks we face in this world (e.g., of disease, accident, or job loss) and our uncertainty when it comes to knowing just how this life will pan out (e.g., events, relationships, world affairs), our status as children of God is secure:  no one can snatch Jesus’ lambs out of his strong and loving arms (John 10:27-30; see also Hebrews 13:5).

But Bill’s promise wasn’t about heaven.  It seems he got a little carried away writing this sales pitch.  After all, people in finance always say, “Past performance is no guarantee of future results.”  No doubt Bill realizes no investment plan is free from risk.  But he also knows that a lot of people hate risk and want someone to reassure them, “You’ll be just fine, you’ll have all the money you need no matter what.”

But Scripture begs to differ.  First, God warns us against greed:  Don’t hoard wealth for yourself (Luke 12:13-21), but work to gain to give (Eph 4:28); don’t set your heart on “uncertain riches” (1 Tim 6:17).

And second, God warns us against the false expectation that we can be insulated from all financial trials.  In fact, various losses will come our way:  “In this world you will have tribulation” (John 16:33).  “Beloved, do not be surprised at the fiery trial when it comes upon you to test you, as though something strange were happening to you” (1 Peter 4:12).  Trouble will surely come—and God will work it for our good.

This, of course, is no basis for neglecting reasonable financial planning.  But it does help us set realistic expectations for the journey through this rugged world and all the way home to heaven.  And it also helps us find security in the right place:  Put your hope in God (Psalm 42:5).