April 27, 2024

Should a Christian Carry a Firearm?

Should a Christian Carry a Firearm
 
 
I was originally going to write about whether a Christian should carry at church, but the issue is broader than that, so I decided to expand it, and discuss carrying at church as a part of this topic.
 
 

Should a Christian Use Self-Defense?

I covered this topic thoroughly in Should Christians Practice Self-Defense. In an attempt to keep this article slightly less than a novel, I am only going to bring up a couple issues here about Christians and self-defense.

I have been accused of twisting God’s Word and told that I should be ashamed for telling people that God is in favor of people using self-defense. First, I have come to my belief based on what scripture says and the use of common sense. I have not twisted scripture to fit my already held belief. If you are of that opinion, do me a favor and show me where I am wrong in scripture. We’re both entitled to our opinions about the use of violence. However, we are not entitled to making scripture say something it doesn’t say. I can show you several verses where God either used violence, or mandated it.
 
 
The Lord Abhors Violence

“The Lord hates violence” is a saying I have heard a few times in my life. It never really made sense to me, because of how He used violence to defeat His enemies throughout the Old Testament and will in Revelation.

I have a hunch that the person who came up with that saying and those who espouse it now, are actually the ones that hate violence! Doing a search for the word violence at Blue Letter Bible brings up over 50 verses and not one of them includes “The Lord hates violence”.

There are several verses decrying the use of violence, but what these people either don’t see, or leave out is that these verses decry the use of violence by those who clothe themselves in it and love it. Not one mention is made of never using violence to defend oneself.

Here are some examples:

Psalms 11:5 “The LORD examines the righteous, but the wicked, those who love violence, he hates with a passion.”

Psalms 7:9 “Bring to an end the violence of the wicked and make the righteous secure— you, the righteous God who probes minds and hearts.”

Proverbs 21:7 “The violence of the wicked will drag them away, for they refuse to do what is right.“

Now one might say that doesn’t say we’re permitted to use violence. There are several verses where God commands the use of force to destroy His enemies or uses it Himself.

Where is the line; when are we permitted to use violence then? Let’s take a look at David.
As a very young man, he stood before an entire army and condemned them for their blasphemy against God. He then proceeded to kill Goliath and cut off his head. He entered into many wars and smaller conflicts throughout his life. It wasn’t until David turned away from God, murdered Uriah and let his bloodlust take over that he got into trouble with the Lord. David’s love of violence and unrighteous use of it, is what almost led to his being eternally separated from God.
 
 
Jesus is a Pacifist

No, no He is not. He was non-violent. There is a big difference! A non-violent person is non-violent until they need to be. A pacifist refrains from it even at the cost of their own or a loved one’s welfare.

Jesus practiced avoidance and de-escalation at various times; when they went to get stones to kill Him and again when He said “he who is without sin cast the first stone” are two examples that come to mind.

I have read a few articles that say that the angel referred to as the Angel of the Lord, was actually Jesus, before He was born of the flesh. I don’t know if this is true or not and is something I have wanted to look into, but have not yet. If this is true, then read the Old Testament again and look at the different accounts the Angel of the Lord using violence. One would be killing 185,000 Assyrians for example.

Even if that is not true, it does not change His use of violence in the end of days. He kills with the very word of His mouth:

Revelations 19:15 “Coming out of his mouth is a sharp sword with which to strike down the nations. “He will rule them with an iron scepter.” He treads the winepress of the fury of the wrath of God Almighty.”

Revelations 19:21 “The rest were killed with the sword coming out of the mouth of the rider on the horse, and all the birds gorged themselves on their flesh.”
 
 
Turn the Other Cheek

There are so many people who think this verse means, offer the other cheek to be slapped, to not only not defend yourself, but to ask for more. The trouble with this is that context is important. I have done a fair bit of research and I have found four theories that take the verse in context of the Jewish people at the time of Christ.

The following are some things to keep in mind.

Many cultures have used the left hand for “unclean” tasks and I believe some still do. I remember my father, who is left handed, telling me that when he was a child his parents tried to force him to use his right hand for writing and other tasks. I mention this only to give some example of how widespread this practice was. Because the left hand was used for unclean tasks you would not use it, not even to strike someone you deemed less honorable than yourself.

Honor is something else that is lost on western culture. In many cultures, even today, honor is valued higher than life. This is why there are honor killings in some religions and cultures. Honor was also very important in the days when Jesus walked the earth. He condemned the Pharisees for always wanting to sit in the place of honor. He also rebuked the disciples, telling them in Mark 9:35 “Anyone who wants to be the first must take last place and be the servant of everyone else.” One would only slap someone they considered less honorable than themselves and Jesus states, “If your right cheek is slapped.” Since the left hand would not be used, one would have to use their right hand for a backhand slap. A backhanded slap carries more dishonor than a palm.

To see the full list of theories please see Should Christians Practice Self-Defense

After my research, I believe that what was meant was to not react to insults, not that we should offer the other check to be slapped.
 
 
Sheep, Wolves and Sheep Dogs

Here is an excellent excerpt from the book, On Combat, by Lt. Col. Dave Grossman. More can be read from this excerpt on his website Killology Research Group.

One Vietnam veteran, an old retired colonel, once said this to me: “Most of the people in our society are sheep. They are kind, gentle, productive creatures who can only hurt one another by accident.” This is true. Remember, the murder rate is six per 100,000 per year, and the aggravated assault rate is four per 1,000 per year. What this means is that the vast majority of Americans are not inclined to hurt one another….

I mean nothing negative by calling them sheep. To me it is like the pretty, blue robin’s egg. Inside it is soft and gooey but someday it will grow into something wonderful. However, the egg cannot survive without its hard blue shell. Police officers, soldiers and other warriors are like that shell, and someday the civilization they protect will grow into something wonderful. For now, though, they need warriors to protect them from the predators.

“Then there are the wolves,” the old war veteran said, “and the wolves feed on the sheep without mercy.” Do you believe there are wolves out there who will feed on the flock without mercy? You better believe it! There are evil men in this world and they are capable of evil deeds. The moment you forget that or pretend it is not so, you become a sheep. There is no safety in denial!

“Then there are sheepdogs,” he went on, “and I’m a sheepdog. I live to protect the flock and confront the wolf.” Or, as a sign in one California law enforcement agency put it, “We intimidate those who intimidate others.”

I only have a few things to add to this. The Sheep Dog Mottos is “Only a predator can stop a predator.” This is absolute fact. Watch any place with a bully in action. People may tell the bully to stop picking on the lamb, but the young wolf ignores them. That is until a sheepdog steps in front of the sheep to confront the wolf.

I was a sheep during my childhood. Back then Autism and Asperger’s wasn’t well known, so I was looked at as being quiet and, well, a little odd. Because of this, I was picked on horrifically from 1st grade until 10th grade. The summer after 9th grade, I made a decision not to be bullied any more and hit the weights. God blessed me with a growth spurt as well. Oh there were still insults, but the violence had stopped, and I was now mostly ignored, which was fine with me.

Civilization continues on because of sheep dogs; in uniform, wearing a badge or civilian. The choice must be made to stop being a sheep, and anyone can make that choice. A 4’, 90lb woman with the mindset and will to use a firearm is just as capable as a 6’, 200lb man is of stopping a wolf!

I’m sure many of you will agree with this; I don’t ever want to use violence. I will try to deescalate, and avoid violence if possible, only using it as a last resort. However, if the wolf comes and tries to hurt my family or myself, I don’t care if it’s bigger, stronger or if there are more of them; I will be a danger to my enemy. Trust me, the cost they will pay in pain and blood is not worth whatever benefit they were after. I may not go unscathed, but “baa” is not in my vocabulary, and it is not in my nature to allow my loved ones or myself to be victimized.
 
 
Violence at Church

“Be on your guard; you will be handed over to the local councils and be flogged in the synagogues.”
~Mathew 10:17

This is a subject I have covered before in Rising Church Crime and Security back in 2011. Things have only gotten worse. I recently attended the Sheep Dog for Churches Seminar with Lt. Col. Dave Grossman, Carl Chin and Jimmy Meeks.

While I knew some of what was covered from my past research, I learned a lot and was blessed by listening to these men of God and sheepdog trainers. I will cover the seminar in more detail in a future post, but will just cover some high points now.

Since 2006 the rate of deaths at churches or at church functions or buildings has skyrocketed over 1000%! That is NOT a typo! There have been over 549 violent deaths at churches since 1999!

In the 36 months of 2012 (75), 2013 (45), 2014 (74), there were more deaths at churches than at schools! Remember that this was the time period for one of the bloodiest, most horrific school massacre at Sandy Hook Elementary.

I’m not trying to diminish the problem of school violence, I’m simply trying to make you more aware of the problem of violence at faith-based centers.
 
 
Should a Christian Carry a Firearm?

If you have read everything thus far, you would think my answer is “yes”. However, my answer is, “actually, it depends”. If you cannot get your mind ready to take the life of another, do not carry, as you would be a liability.

If you have a prepared mind, then yes, I do believe, if you are legally able, you should carry. I support law enforcement but it is not possible for an officer to be everywhere at all times. If they are there, they will try to protect and serve. If they are not, they will document the crime scene.

God has called us each to serve Him in some manner that no one else could do like we do. Not to toot my own horn, but when I started this site, there were two other sites that looked at some of the same issues but they were posted to and updated infrequently. I have heard from scores of people who thank me for putting a Christian perspective on preparedness topics. If I had decided I wasn’t up to the task, would there be a Christian voice on these topics? It’s possible, but they wouldn’t have covered them the way I have.

Now, we all have a calling. However, because He gave us free will, it is possible that Joe Dirtbag may come along and interrupt God’s plan. Is it not our duty to defend ourselves and protect God’s plan so we can further work for His glory?

I believe that if we see a wrong being done to another person and choose to do nothing we then bare some guilt for that wrong. Not only that, but for future wrongs the evildoer will accomplish as a result of not being stopped. Because Joe Dirtbag doesn’t like being stopped and doesn’t want to possibly go to jail, he sometimes uses force to stop the Sheepdog. “A predator is the only thing that can stop a predator” and a gun is what gives that predator, the sheepdog, teeth.
 
 
Should We Carry at Church?

In some states, carrying a gun in places of worship is illegal. In states where it is not, whether or not to carry is a debated issue. With everything I have listed here and what I will cover soon in my review of the Sheep Dog for Church Seminar, I absolutely will carry in every church I attend.

I believe it was LT. Col. Grossman who said that “if we love the people we worship with, we should carry the tools to protect them.”

Again, Jesus Himself said violence would be done to believers in our places of worship. History, over the last 2,000 years, has shown Him to be correct. I believe the future will continue to prove so as well.

 
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What Would You Do if You Had a Gas Leak?

Its 10:00pm on a February night and the temperature is in the teens. You turn on the oven to make a snack and a few minutes later you come back in the kitchen to the smell of gas. You crack the oven door and a small fireball shoots out. You quickly shut the door and turn off the gas.

This recently happened to us. My stepson was the one getting a snack. He told us what had happened, so I went to the kitchen. There was a smell of gas, but it seemed to be dissipating to me. Trudee didn’t think so and called the gas company.

They said we should evacuate the house immediately, explaining not to turn on or off any switches, not to even hang up the phone, and they would send someone out as soon as possible. The gas didn’t smell very strong to me so I didn’t think it was that big of a dead, but those are probably famous last words. The three of us and the four dogs bugged out.

I always thought I would have some kind of warning, and at least a few minutes to get the car packed, but that’s not the way it went down. We put on our coats, grabbed the keys, and jumped in the truck, where we sat at the end of the driveway, waiting for the service man.

We had one BOB in the truck, a couple blankets and some cash, with access to my BOB in my car, which was in the garage and my stepson’s BOB, which was in the driveway. That’s it! I really didn’t think we would be forced to stay out of the house, but I kept thinking, “what if we can’t go back in?”

We have the basics in our BOBs. I don’t know about you, but I want more than the basics to get by if I’m not in a survival situation. I was so focused on getting leashes on the dogs and all of us dressed and outside as safely and as quickly as possible, that I forgot to grab my money clip. We did have some cash, so if we needed to we could have bought some short term supplies.

The gasman showed up and said his meter was pegged in the kitchen when he walked in. He opened the oven and discovered our issue. Trudee had very recently inserted a cover to catch oven gunk, and it turns out it was covering a vent she hadn’t noticed, causing gas to build up and cause carbon monoxide and gas fumes to flood the kitchen.

This little event exposed some normalcy bias I didn’t know I had. I expected to have time to load up before bugging out. This just goes to show you that we all have opinions on how this or that will go down, but the truth is, we never know exactly what, or how things will happen!

Do you have some normalcy bias that needs to be put in check?
 
 
What Would You Do?

Put yourself in my position and think about what you would do. Had I done that previously, I would have thought I would have done better than I did. This just goes to show that theory is great, but simply can’t replace application and practice!

 
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Update on Christian Preparedness Retreats

There was so much interest in the Christian preparedness retreat that I have an exciting update that I want to share with all of you! Many of you said that you were interested but would not be willing to drive. This led me to contemplate “what if” with Trudee, with me saying how fantastic it would be if I could do this full time and we prayed about it. The next day I was contacted by a reader who is associated with a Bible camp in Virginia and they want to host a retreat as well! This has led me to the decision to start a company offering these retreats around the country, to any Bible camp, regular camp or Church that is willing to host one.

I have a few things I really could use your help with! First; prayer! I am completely out of my depth here and trusting God to lead the way! Please pray for wisdom and that I am able to see His direction.

Second is the name, as I am stumped! Here are a few I have come up with, but I am open to suggestions.

A. Practical Readiness Retreats
B. Practical Christian Readiness Retreats
C. Christian Readiness Retreats
D. Readiness Retreats
E. Prepared Christian Retreats

I have a few thoughts here; I want to stay away from “prepper” or “preparedness” in the name, as I want the class to draw non-preppers who might be put off by “prepper” because of shows like Doomsday Preppers and the like. I try to keep everything I do rooted in the practical and I think readiness is pretty non-threatening. I go back and forth on having “Christian” in the name. I want believers to know the retreat is rooted in Christ but that will be easily distinguished by looking at the content. I also need to keep in mind what people type into the search engines or address bar when they do an internet search. I almost didn’t add option E, as I am not sure if I want to keep this completely separated or not and it has “Prepared” in the title.

The last thing I need your help with is finding other venues that may be interested in hosting a retreat. If you’re affiliated with or spend time at a Bible camp, gauge the interest and have them contact me at Chris {at} Preparedchristian {dot} net. The same goes for a church or other venue that might be interested! This is a great opportunity to bring in extra income for the camp.

My church did a one day seminar and I know others have told me their church put on a seminar or held a bible study, but many more of you have told me that your church seemed apathetic or against the idea. This is why I think a Bible camp is such a great idea! The classroom setting is great for some topics, but teaching about making fire really needs to be done outdoors.

 
 
Retreat Design

The retreats will be designed to fit the venue and attendance. If there are enough people attending, we could have as many as four classes going on at one time in breakout sessions, with everyone attending the main sessions.

This brings up an inevitable problem; missing a class that you wanted to take because you’re taking a class you wanted to attend a little more. For the time being, the only solution I have for this is to have popular classes taught multiple times, though I don’t know if this will be done either. If these retreats catches on, I could eventually offer recordings of classes available for a small fee for those who attend a retreat and possibly offer them to those who can’t attend as well.

The two camps I am working with now have both expressed interest in holding a retreat multiple times a year. I think this is a great idea because, for example, spring isn’t hunting season! Therefore, holding a class on the basics of hunting and dressing game isn’t ideal then, but in the fall it would be a great fit! The same could be said for canning, foraging and other classes as well. It also gives those who have jobs with busy seasons a chance to come when their work load is less.

To protect anonymity, I will not be maintaining attendee information after the retreat.

The layout for the weekend will contain 2-3 main sessions, and 6-8 breakout sessions. If there is enough people attending, we can have 2-3 breakout sessions going on at one time.
 
 
Price

The price will vary by venue, but a ballpark price will be $300-$500 per person; this price includes lodging and food and the usual camp entertainment activities. If you want to camp in a tent the price would be less. Some of the camps will have varying levels of cabins. The prices could reflect this with dormitory style cabins being cheaper than private 2-4 person cabins.

I am going to try and arrange it so that financial aid is available for a certain amount of guests per retreat for those who would like to attend but are on a restricted budget.

I am going to try to work with the camps to have a day pass, for those who don’t want to sleep there for whatever reason.
 
 
Instructors

Obviously, with multiple classes being taught at the same time, I will need other instructors. Some classes will require local instructors, like bee keeping and foraging for local plants. I am also hoping that I can find some high caliber instructors willing to travel with me. These instructors will be vetted by me to ensure quality of their topic and instruction. I will also be doing background checks on instructors to ensure guest safety. All instructors will be paid for their time, plus other incentives.

The vetting process is still something I am trying to work out. The easiest way would be for me to watch them teach their material; either in person or by video. However, not everyone has a youtube channel, a recording of them teaching or has taught a class like this. If anyone has any ideas, I am open to hearing them. For now, maybe a conversation by phone with all potential instructors is in order.

If you are an instructor who would like to be considered as either a local instructor or one who would be willing to fly to other locations, please send an email to instructor {at} Preparedchristian {dot} net containing:

• Your name and phone number
• Topic(s) you want to instruct on.
• If you have an example of your content, send it as well.
 
 
Vendors

I am looking for high quality vendors to showcase their products and/or services and be available to answer questions from guests. If you offer preparedness, homesteading, survival, outdoors, gardening, self-defense or other related products and/or services and would be interested in having a booth, please contact me at chris {at} Preparedchristian {dot} net.
 
 
Topics

This list is not inclusive of every topic, just what I have had time to scratch together so far. I have a lot more to add and a lot more filling in to do. However, if you see something missing, feel free to add a comment and let me know. After all, these retreats are for you. Tell me what you want to learn about! If I don’t know about it, I will try to find someone who does.
Here is a shortened outline. The full one is 10 pages so far.

These are potential for all future retreats. I am still deciding which breakout sessions will be covered for the retreat at Camp Bethel in Virginia.
 
 
Main Sessions:

Why Should I prepare and Is It Biblical?
o Taken from the free eBook I wrote. This class will cover the meat of why I started to prepare and why I believe God not only allows preparedness, but mandates it.

5 Basic Human needs part one
o Water
 How to purify
 Where to find it
 Storage
o Food
 Food storage rules
 What to store
 Building Food Storage
 Shelf life
 How to store it
 Enemies of food storage
o Medical
 OTC meds to store
 Ways to stock a small surplus of meds
 Shelf life of meds
 Veterinarian meds

5 Basic Human needs part two
o Shelter
 Some topics could be taken from “Off grid (for short term outages)”
 Duct Tape and Plastic, Really?
 Expedient nuclear shelters in the home
 Home security
• Safe rooms
• How to handle an intruder
• Harden access points
• Hardening your yard

o Energy
 Generator
 Battery bank that can be charged from a car
 Rocket mass heater
 Off grid fuels (what and how to store)
 Solar
 Wind
 Fuel Storage

o Security
 Is it Christian to practice self-defense?
 Security is a women’s responsibility too
 Willingness to use force and permission to do so
 Use of violence to stop violence
 Awareness
 Personal security
 Neighborhood security
 Personal security plans
 Family security plans
 Keeping watch after SHTF
 Building a defensive battery
 
 
Breakout Sessions

• Miscellaneous topics:
o Christians and Preparedness
o Preparedness Mindset
o Threat assessment
o Bugging out
o Off Grid (short term outages)
o Communicating during a disaster
o Staying informed now and post StuffHTF
o I am NOT a victim
o Car Safety
o When spouses don’t agree (on prepping or a firearm)
o Building a House Church
o Building a preparedness community
o Money and the future or the American Economy
o Wood Gas
o Prepper Tips
o Securing data and personal information
o Family preparedness
o Fire safety now and after SHTF

• Outdoor topics:
o Hunting
o Fishing
o Wilderness skills
o High ropes/rock climbing
o Tracking
o Archery
o Trapping
o Forestry management
o Fire building
o Permaculture (basic introduction)
o Gardening topics
o Hugelkultur
o Introduction to livestock for a homestead
o Aquaponics
o Hydroponics
o Foraging
o Bee Keeping

• Cooking:
o Butchering livestock or wild game
o Wild game recipes & cooking
o Cooking with dried foods (from food you’ve stored or purchased such as dried beans)
o Canning or pickling
o Cheese making
o Cooking with various outdoor methods
o Canning

• Medical/first aid
o General first aid
o AED
o Wilderness first aid
o Home remedies
o Colloidal silver
o Essential oils

• Self-defense:
o Situational Awareness
o Physiological changes
o Verbal de-escalation
o Martial arts
o How to escape from zip ties and duct tape
o Firearm Training
o Non-lethal self-defense
o Force on force training aka stress inoculation
o Spiritual self-defense
 
 
The First Retreat

Camp Bethel, located in Virginia will be hosting the first retreat! The tentative (fairly firm) date is June 19-23. This is father’s day weekend! What a great gift and event for father and son or daughter! Ladies don’t feel left out, you’re more than welcome as well.

I am working very hard to get things ready. Once I have the name decided upon, I will be purchasing the domain and will be using that as the source for distributing information. However, if you are interested in receiving information, you can sign up on the form below. You will only get updates on the Retreat at Camp Bethel.


 
 
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A Practical Look at the Economy and What You Can Do To Prepare

I was recently sent an email from fellow Prepared Christian Jeff, asking if I would give my thoughts on the economy, debt and how scripture may tie into it. First, thanks Jeff for the email! Second, I’ll say that I am, by no means, an economics expert. I could only give a novices explanation to the workings of the stock market, or how the economy of a country works. I am, however an expert at threat analysis and troubleshooting in general. While I do think I could do wonders to fix the economy, nothing I say will have any impact on a national level. But I also have some ideas that could help you and your family get out of debt, put more money into your pockets, and build an emergency fund.
 
 
At a National Level

The truth is that nothing I say in this segment matters to the extent that we can do anything about it. It is important to understand how and why things will trickle down to the point where you will feel it.

I don’t want to get to political, but we can’t discuss our national economy and our debt without wading into politics. I used to be someone who thought the person we voted for would have some impact on the economy; no longer. I have used this analogy before; our economy lies in a coffin, one party is pounding in nails slowly but steadily with a hammer. The other is frantically putting them in with a pneumatic nail gun. While one might be doing the job slower, they’re still putting nails in the coffin.

President Bush increased the national debt a huge amount with the start to the wars in Afghanistan and Iraq, and the creation of DHS. This was made to look like child’s play by the staggering amount of debt the Obama administration has created. From the continuation and eventual withdrawal of the war in Iraq, to the ongoing war in Afghanistan, the various militaristic involvements, to the untold number of social programs and on and on and on. Not to mention QE 1, 2 and 3, and Obama care. We have more American’s on welfare and disability than ever before; there are 20 million people that cannot feed themselves without some form of government aid. Some could argue that this was done on purpose, research the Cloward Piven strategy.

I could go on and on, but the point is that in the last fifteen years the value of the dollar has decreased significantly. The country has taken on debt that, if we stopped spending today, would probably still take my great grandchildren to pay off. But that won’t happen. I believe each President for the last fifty years has spent more than his predecessor. Instead, we’ll keep digging the hole deeper and ask China and other nations to help remove some of the dirt from time to time.
 
 
At a Local Level

How can this affect you? I’m not one who believes in the impending economic collapse that will see societal collapse and WROL (Without Rule Of Law) overnight. Instead, I think it will be a slow boil. I believe it is only a matter of time until we see another recession. I think that this one will be harsher than that of 2008. Federal dollars will have to stretch further due to the above mentioned incurred debt, so cuts will need to be made.

These cuts will be to federally funded programs, some in terms of money given to states, and others in forms of cuts to social programs. If less federal dollars are coming into the states, the states need to make cuts, thusly will the cities.

When we see a recession, we obviously see unemployment rise. We’re not in a recession now, and I am seeing more local businesses fold then I am seeing open. When we do see a recession, this number will rise. If you would like a few ways to judge the health of your local economy, I wrote an article called Signs of a Slowing Local Economy.

In the last five years I have seen some reports that cities are no longer having street lights on after certain hours. Police have said they won’t respond to certain crimes and won’t ticket or arrest for others.

We’re also seeing more and more young adults living with their parents. I think the main reason for this is that the jobs they are able to find aren’t paying enough for them to afford living on their own. I have read that the unemployment rate for people in this age group is nearly three times what it is for older workers.

These items might seem unrelated, but let me tie them together. We’re not currently in a recession, and there are several municipalities making cuts to basic safety features. Many small businesses are closing their doors and we have many college-age people living with their parents because they are either unemployed or underemployed. All of this is occurring during a “stable” economy.
 
 
The College Bubble

Here is an article that will explain the College Bubble better and in more detail than I. Here is my quick and dirty explanation; federally backed student loans are handed out to just about anyone. Colleges are continually raising the tuition costs; I wish someone could explain to me why it costs more not to teach someone about a topic like computer programming than it did ten years ago. Student loan debt is over 1 trillion dollars and, according to the linked article, has surpassed credit card debt.

I see enough similarities to the housing bubble to believe it will pop. When it does, enrollment will drastically decrease, causing schools to lower tuition or close. In both cases, cuts to staff and salaries will be made. I also agree with the article that it will be much harder to get a student loan.
 
 
Debt

I hate debt. In fact, I think it steals from ones future; and you should too. This isn’t to say I don’t use it, I just avoid it at all costs. I saw statistics that say the average household has from $7,000-$12,000 in credit card debt alone. If you could pay $100 toward your credit card debt each month, it would take almost six years to pay off $7,000. Unfortunately many of us who use credit cards can only afford to pay the minimum payments. I bought into this trap in my early twenties. I bought a computer for $2,500 and made the minimum payments. It took me seven years to pay that off.

The Bible lists the word debt in less than ten verses. My favorite is this one from Romans 13:8:

“Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.”

Biblical times didn’t look at debt like we do. Back then, if you had a debt and you couldn’t pay when the debtor wanted to collect, you could be sold into slavery until the debt was paid. Now this isn’t the kind of slavery we had in America. It was more like indentured servitude. An indentured slave would work until their debt was paid off. I don’t know this for sure, but I would imagine that the cost for room and board would be added to their debt, increasing the amount of time they might need to work. Keep in mind, it was Jewish custom to forgive the debts of fellow Jews (I believe) every seven years.

If you’re currently living a lifestyle where you use your credit cards frequently and are sporting hefty debt, you might not see it as slavery. But I bet as soon as you decide you want to be debt free you will be.
 
 
What Do I Suggest?

It’s not my place to tell you what to do. Instead, I’ll offer my suggestions. First, you have to want to get out of debt and decide to only spend what you have, as does your spouse if you have one. Along with this, Tithe. If you don’t have a church you want to give to, find a Christian organization to give to. Give God what is His, and let Him bless you in return.

Next, I would work on an emergency fund before paying off the credit cards. You need to be able to pay for the things that go wrong without going into more debt. I think enough money to pay one month’s bills makes sense. This way if there is a major car repair, or you’re hurt and can’t work for a few weeks, the bills are paid.

Now, I would pay the minimum on all cards, then pick the card with the smallest outstanding balance and throw as much “extra” money at it as you can. Once it is paid off, use all of that money to pay the next smallest one, and so on until all cards are paid off. I haven’t looked into him much, but I believe Dave Ramsey has a similar approach and I know some of you have had great success with it.

So, you’re debt free. Now what? Now I think would be a good time to do two things; pick a more expensive prep, save up for it and purchase it with cash.

Don’t hesitate to hold cash. I know some people believe cash will be worthless overnight. The only scenario I can see that in is a total grid down event, and even then it would hold its value for a time. Now that I think about it, in this scenario and many others, cash will still be king, at least for a while. People know its value, they believe it is worth what it is stamped with and transactions can be done without power.

It is a good idea to keep some cash at home, or in a safe deposit box. I also keep a small amount of emergency cash on me. In fact, they are the same bills I originally started carrying. I consider this money only to be spent in dire situations.

I think saving for retirement is a good idea. We have no idea when or if the economic “meltdown” is coming, or what shape it will take. I know some of you believe the fed will seize all assets in 401K accounts. I just don’t see it. I think there would be blood in the streets and they know it. I can’t even imagine what creative ways they would use to come after more of our money, but I do think that they would do it going forward, not taking money that has already been saved.

Once you are debt free and have your preps squared away, you could work on both barter items and learning skills that you could barter.

This would also be a good time to invest in precious metals, if that is of interest. I think it is a good idea. I wrote a two part primer on precious metals, part one and part two. I see gold and silver as currency that has held its value over time, that can be used to barter. I don’t hold it as an investment. I see it the same as paper money but with a stronger run in terms of holding value.

One other big ticket item you may consider is a BOL (bug out location). This is a goal of mine; a piece of land I can do some permaculture on, use as a vacation spot, and BOL if ever needed. Does this mean more debt? It might. We will have to pay cash for raw land or take a mortgage for land with a structure. If this is my only other debt besides my current mortgage, I think there is more than enough upside to take on the additional debt.

The last thing I will suggest to do once you are debt free is to save up and treat yourself in some way. Life is more than prepping, working and saving; as long as we don’t go into debt for it, splurge a little.
 
 
Final Thoughts

The point I am trying to make is that there is plenty to be concerned about when it comes to the economy. Watch for national signs, and especially local signs because these things never happen overnight. The best thing we can do now or if things really go sideways and we do see a complete economic collapse overnight, is to have our financial house in order.

 
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