How to pay $1.5 trillion with only $2,000

The concept of money in church has been completely misconstrued and the results are devastating to everyone involved: the church itself, the husband and wife in attendance, and the kids who are taught to join in the self-defeating cycle again and again!

The misconceptions must stop, and I write this letter as an appeal to help right the ship so that your members can work towards building prosperous, financially stable, and wealthy lives.

There are two shocking statistics that must first be laid out on the table:

The concept of money in church has been completely misconstrued and the results are devastating to everyone involved: the church itself, the husband and wife in attendance, and the kids who are taught to join in the self-defeating cycle again and again!

The misconceptions must stop, and I write this letter as an appeal to help right the ship so that your members can work towards building prosperous, financially stable, and wealthy lives.

There are two shocking statistics that must first be laid out on the table:

  1. The national student debt is $1.5 trillion dollars in 2018.
  2. The average American family only has $2,000 in savings.

We should collectively find these statistics outrageous,outlandish, and abhorrent to building Godly, Christ-like lives; and the work must begin now to create a better situation for ourselves and children, or we will in our lifetimes see family after family thrown to the streets by the coming flood.

There exists in many churches I have visited a common culture of not wanting to be a materialistic person, but rather a desire to be a more giving person. Which of course is admirable and appreciated, but how can your church members be more giving when their sack is empty? How can they be more giving when their sack has a hole in the bottom and it can’t even be filled up?

Your church members don’t want to be “materialistic” yet they have en masse bought pieces of paper supposedly worth $1.5 trillion, and that’s not even a number that includes per month, compounding interest to be paid, no that’s only principal amount.

That’s $1.5 trillion in debt held between 44 million Americans, an average number of $34,090 per individual in that equation. That’s ok though, they’ll let you pay as you earn! Assuming the lowest interest rate is 1% (good luck getting that). That’s 99 payments at $393.00/month (that’s two car payments, one third of a mortgage payment). Paid off over the course of 8.3 years, and that’s if nothing bad happens (job loss, injured) and if you don’t have to accumulate more debt along the way! Suddenly that piece of paper sure looks more materialistic than it was originally perceived to be.

To be redundant for clarity there is $1.5 trillion dollars of student loan debt in the United States. That’s $1.5 trillion dollars that has been spent on pieces of paper, $1.5 trillion that is not compounding in interest to be paid out, but rather it is $1.5 trillion compounding in crushing, burdensome, life destroying debt!

What then do we do with this knowledge?

We will have to get to work, collectively and in cooperation with each other. We will have to reclaim our God given principles on living a debt-free lifestyle that allows us to give, a life style that does not encompass accruing debt in pursuit of pieces of paper that have some other human tell us we’re worthy of their ascribed accolades. No, God already told us we’re worthy of His Love and Kingdom, but His Kingdom’s subjects are burdened with debt and they are not willing to give more, because they have none.

My request in this letter is that we now schedule time to talk in person so that I may teach selflessly, your church leaders and congregation the knowledge and wisdom I have been given.

I humbly await your response.

A Servant of Christ,

Kyle Castor