I was watching a news report called House of cards the other night. It was reporting on how the mortgage crisis happened. The lenders were making it easy to borrow money and the people were happy to take it. I was amazed to hear about families that borrowed large amounts of money by tapping into their “equity”. Many did it by inflating or exaggerating their income. This was sometimes encouraged by the mortgage brokers. Some of the families did not understand the terms of the loan. They assumed that they could always refinance later if they needed to. All of this was building toward a certain crash. Borrowing and spending money on the hope that your income will always go up and that your home value will never go down. Overextending yourself through credit is always a dangerous game.
Yesterday I had breakfast with a friend of mine and he made the comment that made me think of the House of Cards, “what are you investing in that could bankrupt you?” He wasn’t talking about mortgages, he was talking about spiritually and relationally. Is your faith a house of cards? Are your relationships a house of cards? Does it feel like things could fall apart at any time?
What are the things you are spending your time on that may be distracting you from your relationship with God? Or what are you investing in that is hurting your important relationships? What are you reading? What are you watching? Who are you spending time with? Who are you listening too? Who are you unwilling to forgive? Where are you spending your money? What are you putting in your body? What are you doing with your body? How are you treating the people around you?
We all need to take a serious look at where we are investing our time, talent, thoughts, attention, money and energy. There may be some things you need to eliminate, change or get out of in order to avoid a bankruptcy, whether that is emotional, relational, financial, physical or spiritual.