This episode takes listeners on a journey through Solomon’s teachings on wisdom and financial prudence. The conversation begins with a gripping personal story that sets the stage to explore the distinctions between knowledge and wisdom. Listeners learn about the devastating consequences of lacking discretion and the vital need to navigate life with an understanding that goes beyond the superficial. Practical advice for financial stewardship, especially for the young, is discussed as Solomon offers timeless wisdom on borrowing and managing resources. With an engaging narrative on the parable of the ant, the discussion underscores the value of diligence and self-motivation.
The CEM Network is pleased to present Ronald L. Dart and Born to Win.
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There are a lot of ways to mess up your life. It’s frightening how easy it is, how one small mistake can carry consequences that last a lifetime. I used to know a fellow. He was about 30 at the time. Good-looking, drop-dead handsome. I mean, the girls really would have been chasing him. But for one thing, he was crippled. He dragged one leg behind him most of the time, and one of his arms didn’t work right. I thought maybe he had had polio, but it turned out that what had happened is when he was a kid, one day he was showing off, and he dived into the pool in the shallow end and banged his head on the bottom of the pool. And the result was the crippling effect that I saw. He was lucky, I guess, that he didn’t spend the remainder of his life in a wheelchair. You know, there’s no way to avoid every mistake, and accidents will happen from time to time. But what happened in his case was a moment of reckless behavior. that wisdom would have kept him from, would have prevented, would have headed off some way along the line. Now, you know, kids don’t have much wisdom. And so somebody else has got to have it for them. And some level of discipline has got to be applied to children so that they will learn not to run on the edges of pools, just to impress upon their minds that there are things they can do that can hurt them. because they can’t see out there far enough like you and I can, and they don’t know how much danger there really is. But if you can teach wisdom to a child early in life and begin to implant some of these lessons, it can make an enormous difference. But the problem is, most people assume that knowledge is wisdom, and it’s not. Mere knowledge will not do the job. And the reason is very simple. Some things are so tempting that just knowing better won’t keep you out of it. What you’ve got to have is wisdom. And wisdom is more than knowledge. Wisdom includes a sense of right and wrong, a set of values to go with knowledge that puts it together and helps you make the right kind of decisions in your life. King Solomon put it this way. In chapter 5, verse 1, he said, Pay attention. Bend your ear to my understanding that you may regard discretion and that your lips may keep knowledge. For the lips of a strange woman drop like a honeycomb. Her mouth is smoother than oil, but her end is as bitter as wormwood. It’s as sharp as a two-edged sword. Her feet go down to death. Her steps take hold on hell. Do you understand what he’s saying? He’s saying, you better pay attention to me. Gain wisdom. For here is something that’s going to be sweet like a honeycomb and smoother than oil. And the end of it, it’s going to kill you. Wisdom has the ability to see beyond the moment, to know that some things are right and some things are wrong intrinsically. You know, when we’re little kids and Dad tells us to do something, our favorite question is, well, why, Daddy? And Dad’s favorite response, well, because I said so. I heard that more times when I was a kid than I’d like to think about, because I said so. I guess I heard it so many times because I asked why so many times. And you know, because I said so has to be good enough for us at certain times in our lives, but it won’t carry you all the way. At some time, you have to come to the realization that Dad said no for a reason other than his own convenience. It wasn’t just because your dad didn’t like to see you running on the edge of the pool that he told you to stop it. So when you ask him why, he just doesn’t want to take the time to say, because I’m tired of watching you risk your neck, you little twerp. Stop it. Solomon emphasized the power of the temptation. To help us understand the importance of wisdom and discretion and foresight, we need to understand the end from the beginning. And the problem with kids is that you just can’t see very far. And as kids, we depend on people who can. Solomon chooses the strange woman only because she serves as a good example of all the things out there waiting, lurking to destroy your life. And there are more of them than we like to think about. Not only is this woman powerful, and not only is the end of fooling around with her destructive, she’s deceptive. Solomon said in verse 6, “‘Lest you should ponder the path of life. Her ways are movable, so that you cannot know them.'” She’s tricky. And life is tricky. Temptation of all kinds are tricky. And they’re sweet, and they’re smooth. And you just have a hard time really getting and understanding which of the paths that lay before you lead to life because some of them look so good. Hear me now, therefore, you children, said Solomon, and don’t depart from the words of my mouth. Remove your way far from this woman, the strange woman, and don’t come near the door of her house. Don’t even go down that street. lest you give your honor to others and your years to the cruel, lest strangers be filled with your wealth and your labors in the house of a stranger, and you mourn at the last when your flesh and your body are consumed and say, How have I hated instruction? How has my heart despised reproof? Why haven’t I obeyed the voice of my teachers? Why didn’t I listen to them that instructed me? Boy, this is a painful song, and it’s one we have all sung at one time or another. How could I have been so stupid? It is all so easy to see after the fact. You know, when you’re sitting in a doctor’s waiting room and he calls you into the office and sits you down and says, Bob, I’m sorry, but your test came back, you’re HIV positive. Oh, yeah, you slap your forehead then, and then at that time you’re going to say to yourself, Bob, How was it I couldn’t listen? How could I have imagined that I could get away with this? And you mourn at the last when your flesh and your body are consumed. Or when you’re slapped with a lawsuit for sexual harassment and strangers are filled with your wealth and all your labors go into the house of a stranger. Oh, yeah. How could I have been so stupid? How could I have been so foolish? Where was the wisdom when I needed it? Why didn’t I follow God’s instructions? Why didn’t I go in the right way? It is easy to see it then, isn’t it? And don’t we all know it? You know, there is always an alternative to evil. Solomon draws a really nice metaphor for faithfulness to your wife or faithfulness to your husband. In verse 15, he said, drink waters out of your own cistern and running waters out of your own well. Don’t let your fountains be dispersed abroad in rivers of waters in the street. Don’t take your resources and pour them out in the street. Let them be only your own and not a stranger’s with you. Let your fountain be blessed and rejoice with the wife of your youth. Let her be as the loving hind in the pleasant row. Let her breast satisfy you at all times and be you always ravished with her love. You know, the love of one man for one woman and one woman for one man is really a beautiful thing. the closeness, the love, the warmth, the being able to depend upon each other in times that are good and times that are hard, of knowing that when you’re in the hospital and lying up there racked with pain, that there will be somebody somewhere who cares enough to come in and wipe your brow and sit beside you and hold your hand. One of the most tragic results of following the strange woman, condom or no condom, is that it takes this away from you. You can’t have that kind of relationship with one woman when you’re sharing it with another. And the same thing goes for women with men. And why will you, Solomon asked my son, be ravished with a strange woman and embrace the bosom of a stranger? For the ways of a man are before the eyes of the Lord, and he ponders all his goings. His own iniquities shall take the wicked himself. He’ll be held with the cords of his sins. He shall die without instruction, and the greatness of his folly, he will go astray. What Solomon is saying is it’s so much better to learn this lesson beforehand, and so much cheaper. Solomon will change the subject a little, and we’ll talk about that right after these words.
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Write to Born to Win, Post Office Box 560, White House, Texas 75791. Or call toll free 1-888-BIBLE-44.
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Wisdom is not that hard to come by. In fact, through experience, the kind of wisdom that comes from experience will catch up with you whether you like it or not. But sometimes that’s a pretty expensive way to get wisdom. It’s a whole lot better to learn from someone else’s experience. Well, in the sixth chapter of Proverbs, Solomon gives us right off the bat two really important principles that could have an enormous amount to do with your net worth not that many years from now. In chapter 6, verse 1, he says, My son, if you be surety for your friend, if you have stricken your hand with a stranger. What’s that? Well, to be surety for your friend would be something like to co-sign on a note with your friend. And to strike your hand is like, well, it’s like signing, taking your hand and signing a loan document. And, of course, you’re borrowing money from this bank. And you may think, well, he’s your friendly banker, and you know him. He’s Bob or John or Phil. But you could go back there a month from now, and Phil has gone on to another job, and you’re dealing with a whole different person in that job. If you go in and sign a note with a bank, you have stricken your hand with a stranger. You’re snared, he says, with the words of your mouth. You’re taken by the words. You’ve made a promise. You have to do it. Do this now, my son, and deliver yourself. When you are coming to the hand of your friend like this, you’re actually in his power. in a way. You go and humble yourself and make sure that your friend makes that payment. Don’t give sleep to your eyes, nor slumber to your eyelids. Get yourself out of that like a deer gets away from the hand of a hunter, or a quail gets away from the guy with the double-barreled shotgun. Well, no, Solomon didn’t use the expression double-barreled shotgun, but you know what I mean. Whatever you do, says Solomon, don’t make yourself responsible for someone else’s debt. If he can’t afford it himself, let him do without. Now, a lot of people have gone contrary to that advice to their own sorrow and to their own hurt. You know, if I were giving advice to a group of young people today… I wouldn’t tell them to never borrow money. That would be asking a little too much in our world. But I would tell them to only borrow for two things. Two things and two things only. They are basic housing and essential transportation. Now, the reason I think this is good advice is easy enough. You have to have a place to live, and you and your young bride, you’re out there getting your life started together. If you rent a house, you’re paying interest on the house, and you might just as well, if you can manage the down payment, be paying that interest against your own principal so that eventually you do own the house. That’s easy to understand, isn’t it? You are going to have to pay interest anyway, so you might as well pay it directly instead of through a middleman and let him make a profit on the whole deal. Second, you have to have a way to get to work. If you don’t, if you have public transportation, don’t even think about a car. But nowadays, most places in this country, you can forget about working if you don’t have a car to get to work. But you don’t need a new Firebird that goes 150 miles an hour to get to work. A jalopy will get you to work. My advice to kids is always go out and buy a cheap, ugly car with good tires and good brakes. And if that embarrasses you a little bit, get yourself a bumper sticker that says, don’t laugh, it’s paid for. And all your friends that are driving around their shiny new cars and making payments on them, you can laugh at them and say, ha, you’re making those payments my car’s paid for. The payments I’m making, I make to myself. There is a time, by the way, when you can buy a new car. That’s when you can afford to pay cash for it. Now, I know that runs counter to what a lot of people think, but the truth is you’ll come out way ahead of the game if you’ll just follow that simple advice. Because when you have the cash, you’ve actually managed to save up, and you’ve put together $14,000, $15,000 in real hard cash in the bank. You’re going to think a long time before you go down and you plunk that down all at once on a brand-new Belch Fire 8 special, right? Something about cash in the hand that conveys its own kind of wisdom. And another piece of advice, never finance consumer goods like clothes, CD players, and television sets. Save up and buy cash. Now, I’ll give you a little exercise. I’m not going to do it for you. I’ll let you do it for yourself. You know that you’ve got credit cards, and you know that those credit cards have spending limits, and you know that all you have to do every month is pay off a certain part of that debt that you have on the card, and if you pay off part of it, then you can spend that the next month and run your spending limit right back up. Right? Right. Now, let’s suppose here you are. You’re 18, 19, 20 years old, and you, the first month, you and your bride get a new place and You take your credit card down and charge it all up, and you get your maximum limit, say $2,000 that you can borrow on your credit card, and you buy some things you need to have for your little house. You get yourself a television set so you won’t be bored in the evening. Think about that one for just a minute. You get yourself a CD player. You buy yourself some fancy expensive clothes and so forth. Wham, before you know it, $2,000 are gone. Next month, you drag out the checkbook when your bill comes in for the credit card, and you pay off the minimum that you have to pay. And that gives you that much money to charge against your credit card the next month, right? And so you go out and buy something else, keeping it up there. Now, just imagine that you kept your credit card right at the upper limit for the next 40 years, okay? Sit down with your pencil and piece of paper or your handy calculator, because I don’t think very many of us remember the multiplication tables anymore, and sit down and work out for yourself, okay? on that original $2,000 loan that you made, how much interest do you pay at your credit card rate of interest over 40 years? And realize something. From that first year forward, Everything you have done has been done on a cash basis. For 39 years, you paid cash for everything. And you kept paying interest on that first $2,000 that you borrowed. Because effectively, that’s what’s happened here. And for the privilege of having all that stuff… A few months earlier than you could have if you just made the payments to yourself and then went out and bought them and paid cash for them. For the privilege of having that stuff a few months early, look at how much money you have paid out on $2,000 over a 40-year period of time. Can you think of anything that you could do with that much money? Solomon’s not through giving advice in this area. In verse 6, he says this, Go to the ant, you sluggard, consider her ways and be wise, who having no guide, overseer, or ruler, provides her meat in the summer and gathers her food in the harvest. Now, right here is one of the great rules of life, and it is not very well understood. What would you say is the lesson that Solomon is trying to teach us with the parable of the ant? Go to the ant, you lazy lout. Consider her ways and be wise. She doesn’t have any guide, overseer, or ruler, and yet she does her work. What is it? Zeal? Diligence? Well, not exactly. The lesson of the parable is that the ant is able to work without a supervisor, to be a self-starter. Now, with the ant, this is not a matter of character. It’s a matter of genes. It’s written into the ant’s very being. But now imagine the value of writing this idea into your children’s character. Let’s see if we can understand why this is so. Imagine for a moment that you’ve got a job working in a factory manufacturing. I’d like to come up with a better name for it, but let’s call them widgets. That’s what everybody who uses illustrations like this calls them. And you make these widgets, and the widgets sell for $10 apiece. You can make so many widgets in a day, and as a consequence, you can earn so much money. Now, if you were reliable enough to come to work, set up your machinery, do all this stuff yourself, and carry it out and put it all out and get it ready for mailing and everything, and didn’t need a supervisor, Why, you could have, let’s say, a dollar each out of all the widgets you could make in a day, and that would make you a very good living. A hundred bucks a day, shall we say. Really good. But on the other hand, supposing you can’t work like that. Supposing you’ve got to have a supervisor. Somebody’s got to organize the work schedule. Somebody’s got to solve your problems for you. Somebody to see to it that you’re at work on time. Somebody to get you back from breaks on time instead of letting you linger at the coffee pot and so forth. Well, you see, if you have to have a supervisor, the $100 a day that you might have been going to make, some of that money is going to have to be given to the supervisor because the output isn’t any higher, right? We’re only doing so many widgets a day, right? And so consequently, if you have to have help to do that, well, then you’ve got to give up some of what you make. One of the reasons why we don’t have any more than we do is because we have to share so much of what we produce with the people who help us produce it. So if you can teach your children early in life to do the right thing without being told, To be diligent in their work without having to have somebody make them go do it. To get up in the morning without having to have somebody kick them out of bed. You have put them a long way down the road to being wealthy. Because in the long run, if you can work without a guide or an overseer or a ruler, you’d only be working in a factory. You need to be working for yourself.
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in your own business. And tell us the call letters of this radio station. How long will you sleep, you lazy lout?
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When will you get out of bed, asks Solomon. Well, let me sleep a little longer, you say, a little slumber. Let me fold my hands and snooze a bit longer. And Solomon says, so your poverty will come like a traveling man and your want like an armed man. Cause and effect, folks. Laziness, sleeping a little too long, loving slumber leads to poverty. Now, this isn’t to say we don’t need sleep. It’s a follow-on to the parable of the ant that says we’ve got to be self-starters. We don’t need to have somebody else wake us up and get us to work, not if we’re going to be successful and fairly well-to-do. Well, I’m sorry, but that’s the way of life. You’ve got to be able to get yourself moving. And unless you somehow teach your children that, well, you’re neglecting your duty as a parent. A naughty person, Solomon continues, a wicked man. He walks with a twisted mouth. He doesn’t just tell you the truth. He puts a spin on it. He’s got to be clever in the way he puts things. He winks with his eye. He speaks with his feet. He teaches with his fingers. He’s got all kinds of secret signs and symbols and movements. He’s a fidgety kind of guy, these deceivers. Perverseness is in his heart. He devises mischief continually, sows discord. Therefore, his calamity will come suddenly. Suddenly, he will be broken without remedy. I think this is here to tell us to get away from people like that. Don’t get sucked in by them because they really are smooth oftentimes, and they can offer you this fine little dinner. You know, they say something about swindlers and con men. The saying is you can’t con an honest man. And the fact is that this type of man that’s going out there looking for somebody to swindle is looking for someone who himself is trying to pull a fast one, trying to get away with something. And so he comes in and uses our own little criminal instincts against us, and we learn the hard way. Now, you may be under the impression that God loves everybody and everything. Well, it’s not quite true. There are some things that God hates. In fact, there are some of them that he says are an absolute abomination to him. Now, I don’t know about you, but it seems to me it would be a good idea that if there is something that God hates, that we knew what that was. Well, Solomon is kind to us. He gives us a list. These six things, he says, does the Lord hate. Yea, seven are an abomination to him. Absolutely despicable. Number one, a proud look. Second, a lying tongue. Three, hands that shed innocent blood. Four, a heart that devises wicked imaginations. Five, feet that be swift in running to mischief. Six, a false witness that speaks lies. And seven, he that sows discord among brethren. Well, you’ve got some attitudes here and some things that people do. And what’s disturbing? You know, you always hear these people say, well, you love the sinner, but you hate the sin. Well, unfortunately, we get down to the fact that God also hates some sinners, I guess, because that’s the way it’s listed. First of all, he talks about the things sinners do, proud look, lying tongue, and so forth. But then he says, first of all, he said he hates a lying tongue. Then he comes back around to it and says he also hates the false witness that speaks lies. That’s disturbing. And finally, he hates the man that sows discord among brethren. Now, I know that we could defend ourselves by saying, well, I was just telling the truth. But, you know, there is a time when telling the truth to somebody is going to separate chief friends and will actually do no good. I don’t think we can justify ourselves in splitting up people or causing discord between people with the excuse, well, what I was doing, it was just the truth, and I guess people need to know the truth. I think the lesson in these six things, the seven that God hates, is pretty important. It is possible to get on the wrong side of God, and you do it with having a proud and haughty look about you. You do it by having a lying tongue. You do it by giving testimony that might lead to the shedding of innocent blood. You do it by devising wicked imaginations in your heart, so you ought to really give attention to your fantasies. You do it with feet that are in a hurry to run into some kind of mischief. And then the speaking of lies and the sowing of discord among brethren. These things are really important to God, and we ought to regulate our lives taking them into account. Solomon continues, My son, keep your father’s commandment, and don’t forsake the law of your mother. Tie them upon your heart. Tie them around your neck. When you go, it shall lead you. When you sleep, it shall keep you. And when you wake up, it will talk with you. You got these things in your mind, and they’re so deeply ingrained in you that when you wake up in the morning, they come to mind. Folks, that’s a recipe for staying out of trouble. For the commandment is a lamp, and the law is a light, and the reproof of instruction is the way of life. Only a loser looks at the commandments of God as shackles and the law as chains. The winners, well, the winners see them as a light in a dark place. Until next time, this is Ronald Dart.
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And you were born to win. The Born to Win radio program with Ronald L. Dart is sponsored by Christian Educational Ministries and made possible by donations from listeners like you. If you can help, please send your donation to Born to Win, Post Office Box 560, White House, Texas 75791. You may call us at 1-877-7000.
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1-888-BIBLE44 and visit us online at borntowin.net Christian Educational Ministries is happy to announce a new full-color Born to Win monthly newsletter with articles and free offers from Ronald L. Dart. Call us today at 1-888-BIBLE44 to sign up or visit us at borntowin.net
