Debt Must Be Paid Quotes

A woman doesn't always have a choice, not in a meaningful way. Sometimes there is a debt that must be paid, a comfort that she is obliged to provide, a safe passage that must be secured. Everyone of us has lain down for a reason that was not love.

I know the world is a drawing-room, from which we must retire politely and honestly; that is, with a bow, and our debts of honor paid.

Death is a debt to nature due, Which I have paid, and so must you.

Everything we get, outside of the free gifts of nature, must in some way be paid for. The world is full of so- called economists who in turn are full of schemes for getting something for nothing. They tell us that the government can spend and spend without taxing at all; that it can continue to pile up debt without ever paying it off, because "we owe it to ourselves.

Death is a debt to Nature due Which we have paid and so must you.

Weedon Scott had set himself the task of redeeming White Fang - or rather, of redeeming mankind from the wrong it had done White Fang. It was a matter of principle and conscience. He felt that the ill done White Fang was a debt incurred by man and that it must be paid.

It is true, Christian, the debt thou owest to God must be paid in good and lawful money, but for thy comfort, here Christ is thy paymaster. Send

daughter of the servants.” “Gee, you must have been lonely, Judge, having nobody to play with.” “I played with Sam Westing—chess. Hour after hour I sat staring down at that chessboard. He lectured me, he insulted me, and he won every game.” The judge thought of their last game: She had been so excited about taking his queen, only to have the master checkmate her in the next move. Sam Westing had deliberately sacrificed his queen and she had fallen for it. “Stupid child, you can’t have a brain in that frizzy head to make a move like that.” Those were the last words he ever said to her. The judge continued: “I was sent to boarding school when I was twelve. My parents visited me at school when they could, but I never set foot in the Westing house again, not until two weeks ago.” “Your folks must have really worked hard,” Sandy said. “An education like that costs a fortune.” “Sam Westing paid for my education. He saw that I was accepted into the best schools, probably arranged for my first job, perhaps more, I don’t know.” “That’s the first decent thing I’ve heard about the old man.” “Hardly decent, Mr. McSouthers. It was to Sam Westing’s advantage to have a judge in his debt. Needless to say, I have excused myself from every case remotely connected with

The laws of thermodynamics were very clear on the subject – all debts must be paid in full.

A woman doesn’t always have a choice, not in a meaningful way. Sometimes there is a debt that must be paid, a comfort that she is obliged to provide, a safe passage that must be secured. Every one of us has lain down for a reason that was not love.

The demands of justice must be met; the requirements of God’s holiness must be satisfied; the awful debt we incurred must be paid. And on the Cross this was done; done by none less than the Son of God; done perfectly; done once for all. “It is finished.

Some people owe everything they have to the bank accounts of their parents. I owe the state. Put simply, the state educated me, fixed my leg when it was broken, and gave me a grant that enabled me to go to university. It fixed my teeth (a bit) and found housing for my veteran father in his dotage. When my youngest brother was run over by a truck it saved his life and in particular his crushed right hand, a procedure that took half a year, and which would, on the open market—so a doctor told me at the time—have cost a million pounds. Those were the big things, but there were also plenty of little ones: my subsidized sports centre and my doctor’s office, my school music lessons paid for with pennies, my university fees. My NHS glasses aged 9. My NHS baby aged 33. And my local library. To steal another writer’s title: England made me. It has never been hard for me to pay my taxes because I understand it to be the repaying of a large, in fact, an almost incalculable, debt. ....The charming tale of benign state intervention described above is now relegated to the land of fairy tales: not just naïve but actually fantastic. Having one’s own history so suddenly and abruptly made unreal is an experience of a whole generation of British people, who must now wander around like so many ancient mariners boring foreigners about how they went to university for free and could once find a National Health dentist on their high street.

Heaven’s justice and righteousness must be recognized and maintained. Apart from grace, you find yourself bankrupt and insolvent, desperately in debt and helpless to meet God’s judgment. Therefore, your only hope is to fly to the wounded side of the Lord, who in His life kept God’s law perfectly and in His death paid the price of your rebellion.

We are criminals and we do not know how to express or prove that we are criminals. The problem is that if, as criminals, we were recognized as such, we would have to pay for the crime. Yet if we paid, the crime would disappear and our debt would be wiped out. We must keep our crime in order to keep our crime safe, to avoid the terrible fate of being forgiven.

When I visited George Bernard Shaw, in 1948, at his home in Aylot, a suburb of London, he was extremely anxious for me to tell him all that I knew about Ingersoll. During the course of the conversation, he told me that Ingersoll had made a tremendous impression upon him, and had exercised an influence upon him probably greater than that of any other man. He seemed particularly anxious to impress me with the importance of Ingersoll's influence upon his intellectual endeavors and accomplishments. In view of this admission, what percentage of the greatness of Shaw belongs to Ingersoll? If Ingersoll's influence upon so great an intellect as George Bernard Shaw was that extensive, what must have been his influence upon others? What seed of wisdom did he plant into the minds of others, and what accomplishments of theirs should be attributed to him? The world will never know. What about the countless thousands from whom he lifted the clouds of darkness and fear, and who were emancipated from the demoralizing dogmas and creeds of ignorance and superstition? What will be Ingersoll's influence upon the minds of future generations, who will come under the spell of his magic words, and who will be guided into the channels of human betterment by the unparalleled example of his courageous life? The debt the world owes Robert G. Ingersoll can never be paid.

The human eye is restricted to see the useen, because there’s a price to be paid to the rulers of this image and if this image is seen by you, you’ll dare not divulge it to others, for others must pay a price

Likewise, however little man, in living, demands as just to himself, his duty toward justice remains infinite. The right to live cannot be paid by finite labour, only by infinite activity. Because you participate in the violence of all things, all of this violence is part of your debt to justice. All of your activity must go toward eradicating this: to give everything and demand nothing; this is the duty—where duties and rights may be, I do not know.

Ah yes.' Peter's tone was scornful. 'And they must always be paid before the poor tradesmen's bills, mustn't they?' 'They must indeed. They are debts of honour.' 'Oh, Mary.' He leant over and kissed me quickly. 'What a lot we'll have to argue about after we're married.

Four-fifths of the world’s people consider life a trial, a tribulation, a time of testing, a karmic debt that must be paid, a school with harsh lessons that must be learned, and, in general, an experience to be endured while awaiting the real joy, which is after death. It is a shame that so many of you think this way.

And now without redemption all mankind Must have been lost, adjudged to death and hell By doom severe, had not the Son of God, In whom the fullness dwells of love divine, His dearest mediation thus renewed. 'Father, Thy word is passed, man shall find grace; And shall grace not find means, that finds her way, The speediest of Thy winged messengers, To visit all Thy creatures, and to all Comes unprevented, unimplored, unsought, Happy for man, so coming; he her aid Can never seek, once dead in sins and lost; Atonement for himself or offering meet, Indebted and undone, hath none to bring: Behold Me then, Me for him, life for life I offer, on Me let Thine anger fall; Account Me man; I for his sake will leave Thy bosom, and this glory next to Thee Freely put off, and for him lastly die Well pleased, on Me let death wreak all his rage; Under his gloomy power I shall not long Lie vanquished; Thou hast given Me to possess Life in Myself forever, by Thee I live, Though now to death I yield, and am his due All that of Me can die, yet that debt paid, Thou wilt not leave Me in the loathsome grave His prey, nor suffer My unspotted soul Forever with corruption there to dwell; But I shall rise victorious, and subdue My vanquisher, spoiled of his vaunted spoil; Death his death's wound shall then receive, and stoop Inglorious, of his mortal sting disarmed.

The big celebration, the wedding or housewarming, takes place not when the debt is discharged, but when it is undertaken. What is emphasized on TV, for example, is not the middle-aged man who has finally paid off his mortgage, but the young man who moves into his new home with his family, proudly waving the papers he has just signed and which will bind him for most of his productive years. After he has paid his debts—the mortgage, the college expenses for his children and his insurance—he is regarded as a problem, a “senior citizen” for whom society must provide not only material comforts but a new “purpose.

We cannot pick and choose whom among the oppressed it is convenient to support. We must stand with all the oppressed or none of the oppressed. This is a global fight for life against corporate tyranny. We will win only when we see the struggle of working people in Greece, Spain, and Egypt as our own struggle. This will mean a huge reordering of our world, one that turns away from the primacy of profit to full employment and unionized workplaces, inexpensive and modernized mass transit, especially in impoverished communities, universal single-payer health care and a banning of for-profit health care corporations. The minimum wage must be at least $15 an hour and a weekly income of $500 provided to the unemployed, the disabled, stay-at-home parents, the elderly, and those unable to work. Anti-union laws, like the Taft-Hartley Act, and trade agreements such as NAFTA, will be abolished. All Americans will be granted a pension in old age. A parent will receive two years of paid maternity leave, as well as shorter work weeks with no loss in pay and benefits. The Patriot Act and Section 1021 of the National Defense Authorization Act, which permits the military to be used to crush domestic unrest, as well as government spying on citizens, will end. Mass incarceration will be dismantled. Global warming will become a national and global emergency. We will divert our energy and resources to saving the planet through public investment in renewable energy and end our reliance on fossil fuels. Public utilities, including the railroads, energy companies, the arms industry, and banks, will be nationalized. Government funding for the arts, education, and public broadcasting will create places where creativity, self-expression, and voices of dissent can be heard and seen. We will terminate our nuclear weapons programs and build a nuclear-free world. We will demilitarize our police, meaning that police will no longer carry weapons when they patrol our streets but instead, as in Great Britain, rely on specialized armed units that have to be authorized case by case to use lethal force. There will be training and rehabilitation programs for the poor and those in our prisons, along with the abolition of the death penalty. We will grant full citizenship to undocumented workers. There will be a moratorium on foreclosures and bank repossessions. Education will be free from day care to university. All student debt will be forgiven. Mental health care, especially for those now caged in our prisons, will be available. Our empire will be dismantled. Our soldiers and marines will come home.

...Because the sacred fire that lights all nature liveliest of all in its own image glows. All these prerogatives the human creature possesses, and if one of them should fail, he must diminish from his noble stature. Sin only can disenfranchise him, and veil his likeness to the Highest Good; whereby the light in him is lessened and grows pale. Ne'er can he win back dignities so high till the void made by guilt be all filled in with just amends paid for by illicit joy. Now, when your nature as a whole did sin in its first root, it lost these great awards, and lost the Eden of its origin; nor might they be recovered afterwards by any means, as if thou search thou'lt see, except by crossing one of these two fords; either must God, of his sole courtesy, remit, or man must pay with all that's his, the debt of sin in its entirety. Within the Eternal Counsel's deep abyss rivet thine eye, and with a heed as good as thou canst give me, do thou follow this. Man from his finite assets never could make satisfaction; ne'er could he abase him so low, obey thereafter all he would, as he'd by disobedience sought to raise him; and for this cause man might not pay his due himself, nor from the debtor's roll erase him. Needs then must God, by his own ways, renew man's proper life, and reinstate him so; his ways I say - by one, or both of two. And since the doer's actions ever show more gracious as the style of them makes plain the goodness of the heart from which they flow, that most high Goodness which is God was fain - even God, whose impress Heaven and earth display - by all His ways to lift you up again; nor, between final night and primal day, was e'er proceeding so majestical and high, nor shall not be, by either way; for God's self-giving, which made possible that man should raise himself, showed more largesse than if by naked power He'd cancelled all; and every other means would have been less than justice, if it had not pleased God's Son to be humiliate in fleshliness.

Clown Laurie,” I begin, “the cosmos exists on credit! It is like a debenture, a draft for material and energy which must be repaid immediately, because its existence is the purest one hundred percent liability both in terms of energy and in terms of material. Then, just what does the cosmologist do? With the help of physicist friends he builds a great ‘chronogun’ which fires one single electron backward ‘against the tide’ in the flow of time. That electron, transformed into a positron as a result of its motion ‘against the grain’ of time, goes speeding through time, and in the course of this journey acquires more and more energy. Finally, at the point where it ‘leaps out’ of the cosmos, i.e., in a place in which there had as yet been no cosmos, all the terrible energies it has acquired are released in that tremendously powerful explosion which brings about the universe! In this manner the debt is paid off. At the same time, thanks to the largest possible ‘causal circle,’ the existence of the cosmos is authenticated, and a person turns out to be the actual creator of that very universe!

Shareholders have a residual claim on a firm’s assets and earnings, meaning they get what’s left after all other claimants—employees and their pension funds, suppliers, tax-collecting governments, debt holders, and preferred shareholders (if any exist)—are paid. The value of their shares, therefore, is the discounted value of all future cash flows minus those payments. Since the future is unknowable, potential shareholders must estimate what that cash flow will be; their collective expectations about the future determine the stock price. Any shareholders who expect that the discounted value of future equity earnings of the company will be less than the current price will sell their stock. Any potential shareholders who expect that the discounted future value will exceed the current price will buy stock. This means that shareholder value has almost nothing to do with the present. Indeed, present earnings tend to be a small fraction of the value of common shares. Over the past decade, the average yearly price-earnings multiple for the S&P 500 has been 22x, meaning that current earnings represent less than 5 percent of stock prices.

We have separated this perfect virtue into its several parts. The desires had to be reined in, fear to be suppressed, proper actions to be arranged, debts to be paid; we therefore included self-restraint, bravery, prudence, and justice – assigning to each quality its special function. How then have we formed the conception of virtue? Virtue has been manifested to us by this man's order, propriety, steadfastness, absolute harmony of action, and a greatness of soul that rises superior to everything. Thence has been derived our conception of the happy life, which flows along with steady course, completely under its own control. 12. How then did we discover this fact? I will tell you: that perfect man, who has attained virtue, never cursed his luck, and never received the results of chance with dejection; he believed that he was citizen and soldier of the universe, accepting his tasks as if they were his orders. Whatever happened, he did not spurn it, as if it were evil and borne in upon him by hazard; he accepted it as if it were assigned to be his duty. "Whatever this may be," he says, "it is my lot; it is rough and it is hard, but I must work diligently at the task.

The problem is that for several hundred years now, it has simply been assumed that the guardian of that debt we owe for all of this, the legitimate representatives of that amorphous social totality that has allowed us to become individuals, must necessarily be the state. Almost all socialist or socialistic regimes end up appealing to some version of this argument. To take one notorious example, this was how the Soviet Union used to justify forbidding their citizens from emigrating to other countries. The line was always: The USSR created these people, the USSR raised and educated them, made them who they are. What right do they have to take the product of our investment and transfer it to another country, as if they didn’t owe us anything? Neither is this rhetoric restricted to socialist regimes. Nationalists appeal to exactly the same kind of arguments—especially in times of war. And all modern governments are nationalist to some degree. One might even say that what we really have here, in the idea of primordial debt, is the ultimate nationalist myth. Once we owed our lives to the gods that created us, paid interest in the form of animal sacrifice, and ultimately paid back the principal with our lives. Now we owe it to the Nation that formed us, pay interest in the form of taxes, and when it comes time to defend the nation against its enemies, offer to pay it with our lives.

Just like rain, let it all flow incessantly until the sky clears out. Sometimes a part of me asks how is it that the ones who love the most, dearly, tenderly giving their all, find their hollow end meeting with scars that they never deserved. How is it that sometimes Life turns cold for those who sprinkle the most amount of sunshine, the hand that wipes other's pain how is that parched with betrayals and misunderstandings. But I guess it is about life lessons, how a soul grows through it all, as if the soul walks across the pyre of fire to know and eventually become its own mettle. Through it all the heart becomes more open and the mind more understanding, a unique strength of peace walks inside the very fire that rages the soul. Patience flows in through perseverance and the ashes mould in the teardrop of resilience to wear the smile of kindness. I have realised that when the worst happens to us, the soul is confronted with two choices, either to become bitter with repeating the question why or to become better with understanding the way how to walk ahead. Eventually it boils down to two simple emotions, love and hate, astonishingly born out of the same part of our mind and heart. It is a selection of either vengeance or forgiveness, not an easy choice to make especially when we are at our most vulnerable self. Whatever we choose becomes our reality, as if we get soaked in it, and somehow Time runs by. And when years pass by and we look back and see the path, and reflect on our choice we understand the meaning of both the choices, to some they take the shape of peace and to some they take the shape of agony, but looking closely we can see that the agony is the pathway leading to peace, forgiveness is the destination, sooner or later we all reach that space to find it in us to forgive, some in years while some in lifetimes. And perhaps, that is why we all undergo all that happens to us, chained in our Karma. So even when Life seems unfair, give it your all. Love with all your soul and no matter what comes by, don't stop walking along this shore of Time, because no matter how long it takes, you will find your Home. And when Life puts up a question as to why some who broke your soul find pleasure so easy, remind yourself the difference between pleasure and peace and don't forget to acknowledge the fact that perhaps you have paid your Karmic debt in full while theirs might just be beginning. So break if you must, but remind yourself about the gift of Life and Love every passing moment that breathes like a dream in an illusion of Time. Let your Faith walk hand in hand with you as you tread softly towards your destination, because no matter the years or the lifetimes, someday the sky shall be clear for the rainbow of your soul to smile in the Justice of Him, who knows all, sees all, feels all and does all.

Christianity . . . does not [simply] stand in the history that we only know and which knowledge we take to ourselves so that we say “Christ died for us and has broken death in us and made it into life. He has paid the debt for us. We need only to comfort ourselves with this and firmly believe that it has happened.” Since we in ourselves find that sin in the flesh is living, desirous and active, that it might work, the new birth out of Christ must be something else that does not work along with the sinful flesh and that does not will sin. . . . Here a Christian is to consider why he calls himself a Christian and is truly to consider whether he is one. Because I may learn to know and understand that I am a sinner, and that Christ has killed my sins on the cross and shed His blood for me, this in no way makes a Christian out of me. The inheritance is only for the children. A maid in the house knows well what the wife would eagerly have. This does not therefore make her an inheritor of the wife’s goods. The devil also knows that there is a God [James 2:19]. That does not therefore make him an angel again. However, if the maid in the household marries the wife’s son, then she can truly come to the inheritance of the wife’s goods. . . . The scorner and the titular Christian is the whore’s son, who must be cast out for he is not to inherit Christ’s inheritance in the kingdom of God (Galatians 4:30). He is no use, and only Babel, a confusion of the one language into many languages. He is only a talker and arguer about the inheritance and wishes to talk and argue to it with his mouth-hypocrisy and appearance of holiness, but he is only a blood-thirsty murderer of Abel his brother who is the true heir. . . . If one says, “I have the will and wish eagerly to do good, but I have earthly flesh that holds me [back] so that I cannot [act]; nevertheless, I shall be blessed by grace because of the merit of Christ. Since I console myself indeed with His suffering and merit, He will take me out of grace, without any merit of mine, and forgive me my sins,” he acts like one who knows of good food for his health and does not eat it, but who eats instead the poison from which he becomes ill and dies. What does it help the soul if it knows the way to God and does not wish to take it, but goes instead on a way of error, and does not reach God? What does it help the soul if it consoles itself with the sonship of Christ, [with] His suffering and death, and is itself hypocritical, but cannot enter into the childlike birth so that it is born a true child out of Christ’s Spirit, out of His suffering, death and resurrection? Certainly and truly, this tickling and hypocrisy about Christ’s merits aside from the true inherited sonship is false and a lie, [regardless of] who teaches. This consolation belongs to the repentant sinner who is in strife with sin and God’s wrath when the temptations come that the devil sets on the soul. Then the soul is to wrap itself completely in the suffering and death of Christ in His merit. [The Way to Christ, trans. Peter Erb, 138-139, 156-158]

Golden Gold Vine Part One There was a miser who prized her, this golden gold vine. This sapling so gilded, her leaflings did shine. The moment he saw her, he let out a whisper of, “mine.” He’d found her in rubble, along a plain road. Unburied, he took her, in pocket he stowed. Back to his house, where he stared at her gleam. Hands curled to covet, want stitched to seam. What a chance this was, the chance for much more. So he planted her there, right outside his front door. Kept under secrets and hidden she lay. This old miser did find her, did steal her away. Brought to the yard, he planted her there. Fenced her all in to shelter her glare. Soon she grew tiny buds, glinting with gold. He plucked them by one, went to town to be sold. He paid off his debts, bought whatever he sought. But it wasn’t enough, whatever he got. For greed had been planted beside her thin roots. Want had leafed out, along with her shoots. Yet although he watered, soon she did wilt. Her golden did dull and worry he spilt. For his most prized possession looked right to be culled. She wasted away, while he fretted and mulled. It wasn't til so angry, he pulled out his hair. Brown clumps all fallen on the vine bare, that her color suddenly glistened, her vine did then surge. She grew ever much from his body he'd purged. Ecstatic, he knew, what he must do. So this miser clip-clipped, and gold flowers then bloomed. His hair he snip-snipped, gladly shedding his plume. For she would not grow without sacrifice. Only pieces of him would ever suffice. For her to keep growing, that was her price. This golden gold vine was the miser’s own vice. To be continued…

THE DIET-GO-ROUND LOW-CALORIE DIETS Diets began by limiting the number of calories consumed in a day. But restricting calories depleted energy, so people craved high-calorie fat and sugar as energizing emergency fuel. LOW-FAT DIETS High-calorie fats were targeted. Restricting fat left people hungry, however, and they again craved more fats and sugars. FAKE FAT Synthetic low-cal fats were invented. People could now replace butter with margarine, but without calories it didn’t deliver the energy and satisfaction people needed. They still craved real fat and sugar. THE DIET GO-ROUND GRAPEFRUIT DIETS Banking on the antioxidant and fat-emulsifying properties of grapefruit, dieters could eat real fat again, as long as they ate a grapefruit first. But even grapefruits were no match for the high-fat American diet. SUGAR BLUES The more America restricted fat in any way to lose weight, the more the body rebounded by storing fat, and craving and bingeing on fats and sugars. Sugar was now to blame! SUGAR FREE High-calorie sugars were replaced with no-calorie synthetic sweeteners. The mind was happy but the body was starving as diet drinks replaced meals. People eventually binged on excess calories from other sources, such as protein. HIGH-PROTEIN DIETS The new diet let people eat all the protein they wanted without noticing the restriction of carbs and sugar. Energy came from fat stores and dieters lost weight. But without carbs, they soon experienced low energy and craved and binged on carbs. HIGH-CARB DIETS Carb-craving America was ripe for high-carb diets. You could now lose weight and eat up to 80 percent carbs—but they had to be slow-burning, complex carbs. Fast-paced America was addicted to fast energy, however, and high-carb diets soon became high-sugar diets. LOW CHOLESTEROL The combination of sugar, fat, and stress raised cholesterol to dangerous levels. The solution: Reemphasize complex carbs and reduce all animal fats. Once again, dieters felt restricted and began craving and bingeing on fats and sugars. EXERCISE Diets weren’t working, so exercise became the cholesterol cure-all. It worked for a time, but people didn’t like to “work out.” Within 25 years, no more than 20 percent of Americans would do it regularly. VEGETARIANISM With heart disease and cancers on the rise, red meat was targeted. Vegetarianism came into fashion but was rarely followed correctly. People lived on pasta and bread, and blood sugars and energy levels went out of control. GRAZING High-carb diets were causing energy and blood sugar problems. If you ate every 2 hours, energy was propped up and fast-paced America could keep speeding. Fatigue became chronic fatigue, however, with depression and anxiety to follow. FOOD COMBINING By eating fats, proteins, and carbs separately, digestion improved and a host of digestive, energy, and weight problems were helped temporarily. But the rules for what you could eat together led to more frequent small meals. People eventually slipped back to their old ways and old problems. THE ZONE Aimed at fixing blood sugar levels, this diet balanced intake of proteins, fats, and carbs. It worked, but again restricted certain kinds of carbs, so it didn’t last, and America was again craving emergency fuel. COFFEE TO THE RESCUE Exhausted and with a million things to do, America turned to legal stimulants like coffee for energy. But borrowed energy must be paid back, and many are still living in debt. FULL CIRCLE Frustrated, America is turning to new crash diets and a wave of high-protein diets. It is time to break this man-made cycle with the simplicity of nature’s own 3-Season Diet. If you let nature feed you, you will not starve or crave anything.

I’ve never much liked the whole setup of Christianity, with its emphasis on being saved, thereby acknowledging a debt that can only be paid by a lifetime of sacrifice and devotion. Must God’s love have strings attached? People who crave salvation should think about how they’re going to feel if it turns out that this God who saved them is, upon closer acquaintance, completely alien. He, possibly she (or, more likely, it), is not now and never has been one of us. Jesus clearly was not one of us, with his crypto-stories about the prodigal who is more beloved by the father than the dutiful son and the sliding pay scale for field hands, with his magic powers that run the gamut from improving the wedding beverage to blasting trees to raising the dead. These days we have born-agains everywhere, even in the White House, carping about how clear and meaningful everything is now that they’ve seen the light and accepted Christ as their Savior. There they were, just sinning along aimlessly, drinking and fornicating down that slippery slope lined with good intentions and ending you know where, when suddenly Jesus reached out and down or across and saved them. And now they feel grateful all the time, every day. It things go wrong, that’s God’s way of testing their faith, and if they are successful and make lots of money, that proves they have been chosen by God. It's supposed to be all about free will, but there’s not much freedom in it. And if God is really so eager to save the desperate from themselves, where was he when my mother was knocking back the Seconal with her lunatic girlfriend from hell.

In a pastoral letter in 1976, Archbishop Kabanga of Lubumbashi issued a devastating critique of the system that Mobutu ran. The thirst for money . . . transforms men into assassins. Many poor unemployed are condemned to misery along with their families because they are unable to pay off the person who hires. How many children and adults die without medical care because they are unable to bribe the medical personnel who are supposed to care for them? Why are there no medical supplies in the hospitals, while they are found in the marketplace? How did they get there? Why is it that in our courts justice can only be obtained by fat bribes to the judge? Why are prisoners forgotten in jail? They have no one to pay off the judge who sits on the dossier. Why do our government offices force people to come back day after day to obtain services to which they are entitled? If the clerks are not paid off, they will not be served. Why, at the opening of school, must parents go into debt to bribe the school principal? Children who are unable to pay will have no school . . . Whoever holds a morsel of authority, or means of pressure, profits from it to impose on people, especially in rural areas. All means are good to obtain money, or humiliate the human being.

States, in the name of austerity, have stopped providing prisoners with essential items including shoes, extra blankets, and even toilet paper, while starting to charge them for electricity and room and board. Most prisoners and the families that struggle to support them are chronically short of money. When they go broke—and being broke is a frequent occurrence in prison—prisoners must take out prison loans to pay for medications, legal and medical fees, and basic commissary items such as soap and deodorant. Debt peonage inside prison is as prevalent as it is outside prison. Prisoners are charged for visits to the infirmary and the dentist. Prisoners must pay the state for a fifteen-minute deathbed visit to an immediate family member, or for a fifteen-minute visit to a funeral home to view the deceased. New Jersey, like most other states, forces a prisoner to reimburse the system for overtime wages paid to the two guards who accompany him or her to the visit or viewing, plus mileage cost. The charge can be as high as $945.04 in New Jersey. It can take years to pay off a visit with a dying father or mother when you make less than $30 a month.

Chapter 3 What to Do with Money as You Save It Chapters 1 and 2 should have helped you understand the theory behind frugality and develop a practical plan to live on less than half your take-home pay; all in the context of building up your first $25,000. After reading those two chapters, you should understand what you need to do to put yourself in position to save thousands of dollars per month on a middle class income. Now, it’s time to deploy those savings in such a way as to develop your first year of financial runway. Your goal is stockpile a reserve capable of funding your frugal lifestyle for around a full year. Unlike many Americans who struggle to make ends meet, you now face a new problem. A good problem. You now have to decide how to deploy your rapidly expanding savings so that they extend your financial runway as much as possible. There are three initial steps that should be completed, in order, for the seeker of early financial freedom to build up that one-year stockpile. These three steps are (1) to build up an emergency fund of $1000 to $2000; (2) to pay off all “bad debts” (we define this term below) and build strong credit; and then (3) to build up one year of financial runway in the form of cash or equivalents By completing these three steps, readers will set themselves up for the next phase of wealth generation, discussed in part II. They will have the cash and credit they need to buy a home with ease, and will have the financial runway they need to pursue career opportunities with little risk of financial ruin. Central to the discussion in this chapter will be the concepts of debt—both good and bad debt—and credit. We must pay off our bad debts immediately, and treat them as a financial crisis. Good debts can still delay financial freedom, but may not need to be paid off early if money can be put to higher and better use in the meantime. While paying off bad debts and managing other debts, readers will want to focus on improving their credit scores as much as possible, and increase their access to credit.

We must put away a whitewashed Christianity that says that God simply forgives because He is nice, kind, loving, gentle, etc. That is not how forgiveness works. God does not simply ignore our sins, turn a blind eye to them, and perpetuate injustice. No. God has forgiven you for Christ’s sake. It was because Jesus paid your debt, took your penalty, and ransomed you from sin and death that you are forgiven.

In the Kingston group, the men do little or nothing to support their families. Women and children are worked for as many as sixty hours a week for near-minimum wage in the Kingston businesses. Instead of receiving paychecks, their wages are deposited in a Kingston bank account (rent, debts and a mandatory 10% tithe are automatically deducted) and they are paid in scrip that can only be spent in Kingston-owned stores. clix They are also made to understand that if the church requires their money, they will pull it from their bank accounts. They are deprived of having any real experience with money. “We were told to sacrifice everything for the kingdom,” said one former member, “to the point that if we found a penny in the street we were to turn it in.” clx And each year, members must sign a form reaffirming their loyalty to the group and firm belief in the religion, and that when they die, everything they own will go to the church.

eaten in debt, we have been waited on in debt. Yes, many a time I knew those servants hadn’t been paid. That’s why they left, they weren’t dismissed. And all the time I partook of the whole; yet I must admit, with shame at times. But’ – he now looked along the length of the old building – ‘I am now earning my living, and it has got to keep me and pay a man. And I can sleep easy at nights.

I say: if the debt you feel has not been paid, then pray for the grace to forgive those you believe are indebted to you. You will come to know a peace you have never known, and you will embrace a feeling of freedom simply because you are free. Those whose lives had been marred by the ravages of Jim Crow segregationist laws live far richer spiritual lives by practicing radical forgiveness towards those who oppressed them than they would by seeking retributive justice. This is because an obsession with justice and entitlement shackles the soul in some sense to the compensations of the one who has harmed one. A spirit of aggrievement, paradoxically, places one in a dependent role on the other; in this instance, one is not free. Radical forgiveness frees the soul from resentment and fosters an ethic of care towards those who have harmed one. Radical forgiveness not only forges new relationships, but it also heralds a model for a new type of humanity, a new planetary ethic, and humanism devoid of bitterness that will change the world. To the black individual rising and striving to make something superlative of his or her own life, who refuses to be shackled by the racial script that would ossify the soul and calcify the heart, you are a historical process emerging in this world. You know as I do that for this to happen, the race to which we were assigned must die so that the individual can rise. The individual must rise!

The choices you make that violate biblical truth invite emotional discord even though they may initially produce counterfeit joy. This emotional debt must always be paid back, with interest. But when you behave in ways that are pleasing to God, you will be rewarded with the emotional fruit that your soul truly desires.

Paul Ricœur has two terms that neatly sum up this difference between modern contracts and God’s covenants.12 Contracts obey a logic of equivalence, a regime of strict justice in which unerring calculation determines the just measure of commitment in each case. It is the logic of the transaction and of the market, a reciprocal paradigm in which debts must be paid in full, but no more. The logic of equivalence belongs to a view of the world in which every gift is a trojan horse that requires reciprocation sooner or later: “They invited us round for dinner and baked their own dessert; we will have to do the same!” It is the ethics of a Derrida who ruefully acknowledges that “for there to be gift, there must be no reciprocity, return, exchange, counter-gift, or debt.”13 This is an impossible standard that leads him to conclude that the pure gift is impossible and could not even be recognized as such: gifts always fall back into economies of debt sooner or later, a grim reality that leads Terry Eagleton to remark “one would not have wished to spend Christmas in the Derrida household.”14 The contractual logic of equivalence is the logic of an eye for an eye and a tooth for a tooth. It is a human logic. God’s covenants, by contrast, operate according to a logic of superabundance, a lavish, gracious, loving paradigm of excess. God walks between the animal parts alone; the exodus rescue precedes the Sinai law; Christ lays down his life in the new covenant in his blood. This is the logic of the “how much more” of the Pauline epistles (Rom 5:9, 10, 15, 17; 11:24; 1 Cor 6:3; 2 Cor 3:9) and the letter to the Hebrews (Heb 9:14; 10:29; 12:9), of going beyond the call of duty, beyond what is right and proper, beyond what could reasonably be demanded on a ledger of credit and debt. The logic of superabundance replaces the fear and submission of Hobbes’s Leviathan or the tyranny of Rousseau’s general will with the love and sacrifice of Christ. It is the logic of grace and the gift. It is a divine logic. The

They must first judge themselves, that presume to censure others: And such will not be apt to overshoot the Mark. We are too ready to retaliate, rather than forgive, or gain by Love and Information. And yet we could hurt no Man that we believe loves us. Let us then try what Love will do: For if Men did once see we Love them, we should soon find they would not harm us. Force may subdue, but Love gains: And he that forgives first, wins the [Laurel]. If I am even with my Enemy, the Debt is paid; but if I forgive it, I oblige him for ever. [From Fruits of Solitude, 1693]

Verse 20 is a restatement of verse 14: we need to live our lives “in line” with the truth of the gospel. Now that Christ’s life is my life, Christ’s past is my past. I am “in Christ” (v 17), which means that I am as free from condemnation before God as if I had already died and been judged, as if I had paid the debt myself. And I am as loved by God as if I had lived the life Christ lived. So “it is not me that lives, but Christ” is a triumphant reminder that, though “we ourselves are sinners”, in Christ we are righteous. Then Paul follows up with verse 21, to say: Now when I live my life and make my choices and do my work, I do so remembering who I am by faith in Christ, who loved me so much! The inner dynamic for living the Christian life is right here! Only when I see myself as completely loved and holy in Christ will I have the power to repent with joy, conquer my fears, and obey the One who did all this for me. Everything or Nothing? It’s worth remembering that Paul is still speaking to Peter here! And so he finishes by reminding Peter that the Christian life is about living in line with the gospel throughout the whole of life, for the whole of our lives. We must go on as Christians as we started as Christians. After all, if at any point and in any way “righteousness could be gained through the law, Christ died for nothing!” (v 21). Christ will do everything for you, or nothing. You cannot combine merit and grace. If justification is by the law in any way, Christ’s death is meaningless in history and meaningless to you personally. Imagine that your house were burning down but your whole family had escaped, and I said to you: Let me show you how much I love you! and ran into the house and died. What a tragic and pointless waste of a life, you would probably think. But now imagine that your house was on fire and one of your children was still in there, and I said to you: Let me show you how much I love you!, ran into the flames, and saved your child but perished myself. You would think: Look at how much that man loved us. If we could save ourselves, Christ’s death is pointless, and means nothing. If we realize we cannot save ourselves, Christ’s death will mean everything to us. And we will spend the life that He has given us in joyful service of Him, bringing our whole lives into line with the gospel.

Today, in the wake of the credit-card party of the eighties, it has become fashionable to live beyond one’s means. The nouveaux riches (new rich) are distinguished from old money families by their ostentatiousness and their colorful display of newfound status. But to live beyond one’s means, one must actually charge items for which one does not expect to pay. Oh, sure, there is the realization that the company will not let the bill go forever, but we will enjoy it now and worry later. This, too, is a form of theft. The creditor assumes that when we charge something, we intend to pay off the debt; but if that responsibility is not assumed by the debtor, there is a breech of contract—fraud, or, if you will, theft. It is not really our hard-earned cash that paid for the item, but the money loaned to us by the creditor. To default on our loans, of course, does not mean merely that we fail to pay for the item, but that we are requiring someone else to pay for it.

The Rothschilds taught the rich men of the earth to smile and be glad to permit such debts to be incurred. But such debts must not be personal debts. They must be debts owed by governments so that entire peoples may thus be mortgaged. And, when entire peoples are mortgaged, what more might a gentle multimillionaire ask? Why should he require that the debt be paid? Better for him and his class that the debt be not paid. So long as the debt stands the people are mortgaged to him. They plant. He reaps. He holds the bond. He can draw interest upon it until the bond is due and then exchange it for another bond and draw interest some more; or he can sell his bond to some other millionaire and thus get his money back. It is really so great a device that these gentlemen themselves assure us that the existence of a national debt is " the first stage of a nation toward civilization." Of course, such assurances are often given, not by the rich personally, but by the eminent political economists who are employed by them to provide wholesome reading matter for the common people.

ANYTHING THAT HURTS OR INJURES THE TEMPLE OF GOD (THE BODY) IS A KARMIC DEBT THAT MUST BE PAID!

Will you dine with me, or no?” I shook my head again, not trusting my voice. “A dance, then,” he suggested unexpectedly, with a laughing gleam in his eyes. “I must have some recompense for my hospitality.” “I do not dance.” “I’ll keep the step simple,” he promised, and I shook my head helplessly. It was unheard of, I thought, to dance in private with a man, and that man not your husband. It would be improper, wanton, and yet the thought of it set my blood racing with unladylike excitement. “There is no music,” I remarked, retreating another step. Richard de Mornay smiled. “Would you like me to call for my stableboy? He is unequaled on the lute, and I’m sure he would favor us with a danceable tune.” “No,” I said hastily. I had no desire for a witness to my folly. “Then you must make do without. Or I could sing, if you wish it.” He held out his hand. “Come, you are no coward. One dance, a simple step, and the debt is paid.” Trapped, I took his hand. He did sing, after all, softly and in French. He had a deep and pleasant voice, and his warm breath fanned my cheek as he twirled me round and round the deserted, echoing room. It was a sinful feeling.

Every lie we tell incurs a debt to the truth. Sooner or later, that debt is paid.” ​— ​VALERY LEGASOV, CHERNOBYL (HBO)

There are the grace moments in life when you’re able to ride the wave just ahead of the piper, and there are others still when debts must be paid.

When I started building my own wealth, when my business grew to six figures and then seven figures, when I paid off my debt . . . I felt ashamed. Sometimes that shame was internally induced: I would feel ashamed that I wasn’t struggling when so many others were, ashamed that being financially comfortable must mean I wasn’t donating enough. That internal shame was the result of our culture’s messaging about women with money, but the trolls that swarmed my social media mentions, making assumptions about my story, just reinforced that I was supposed to feel ashamed for having money.

When an aggressor causes the loss, damage, or destruction of an innocent man’s values, justice demands that the aggressor pay for his crime, not by forfeiting a part of his life to “society,” but by repaying the victim for his loss, plus all expenses directly occasioned by the aggression (such as the expense of apprehending the aggressor). By destroying the victim’s values, the aggressor has created a debt which he owes to the victim and which the principle of justice demands must be paid. With the principle of justice in operation, there is only one loss of value; and, while this loss must initially be sustained by the victim, ultimately it is the aggressor—the one who caused the loss—who must pay for it.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.

Zealously she paid her debt to virtue and morality—all the more so because she had set about this a little late without ever thinking for the better half of her life that there would be such a price, but then, becoming convinced that it was unavoidable, she—one must do her justice—endeavored with an improbable commitment to pay the aforementioned debt and all interest that had accrued.

Redemption is an age-old concept rooted in many religions. It is a concept that presupposes that we will all make mistakes, and for some, that mistake will rise to the level of being a crime. Yes, there must be consequences and accountability. But after that debt to society has been paid, is it not the sign of a civil society that we allow people to earn their way back?

But God hath undertaken to right Himself. He will reckon with them. He hath undertaken to see that the debts due to Him are paid. All their sins are written in His book: not one of them is forgotten, and every one must be paid…“He will not be slack to him that hateth him, he will repay him to his face” (Deu 7:10).

Others may be able to help you pay the mite that you owe to creditors, but they cannot help you pay the penalty you owe to God for the unrighteous sins you have committed during your lifetime. Human effort is not the currency that can pay off your debt of sin. Imelda Marcos from the Philippines used to walk on her knees from the back of her Catholic church all the way to the front. She thought that her suffering would pay for her sins. When she meets Jesus, she will realize that she was deceived. Muslims believe there is a great weighing scale that weighs their good deeds against their bad deeds to determine where they will spend eternity. Again, that won’t be happening. So to avoid taking their chances with the weighing scale, they’re taught that if they die as a martyr for Allah, they can skip judgment and go directly to Paradise! Nope. Their ticket must be stamped in the blood of Jesus Christ, or they will not be entering Paradise for all of eternity. Jesus tells us in verse 59 of our chapter’s passage that the guilty cannot pay their sin debt. They can’t get that last penny. They don’t have it, and no one can lend it to them or give it to them. Anyone who stands before the Lord without having their sins washed away by His blood will have no ability to pay off their eternal debt of sin. Remember, there is a great penalty for not having your sin debt paid in full before you stand before the Judge. And these shall go away into everlasting punishment: but the righteous into life eternal. Matthew 25:46

The first servant owed his master 10,000 talents – and a talent was the equivalent of fifteen years’ wages. That is an incredible debt. It was more than the total budget of the ordinary province. The total revenue of the province which contained Idumaea, Judaea and Samaria was only 600 talents; the total revenue of even a wealthy province like Galilee was only 300 talents. Against that background, this debt is staggering. It was this that the servant was forgiven. The debt which a fellow servant owed him was a trifling thing; it was 100 denarii, and a denarius was the usual day’s wage for a working man. It was therefore a mere fraction of his own debt. The biblical scholar A. R. S. Kennedy drew this vivid picture to contrast the debts. Suppose they were paid in small coins (he suggested sixpences; we might think in terms of 5-pence pieces or dimes). The 100-denarii debt could be carried in one pocket. The 10,000-talent debt would take an army of about 8,600 carriers to carry it, each carrying a sack of coins 60 lb in weight; and they would form, at a distance of a yard apart, a line five miles long! The contrast between the debts is staggering. The point is that nothing that others can do to us can in any way compare with what we have done to God; and if God has forgiven us the debt we owe to him, we must forgive our neighbours the debts they owe to us. Nothing that we have to forgive can even faintly or remotely compare with what we have been forgiven. As A. M. Toplady’s great hymn ‘Rock of Ages’ has it: Not the labours of my hands Can fulfil thy law’s demands; Could my zeal no respite know, Could my tears for ever flow, All for sin could not atone.