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How to Avoid Being the “Greater Fool”

Todd R Leave a comment

My day job involves helping people save and invest for retirement, and every now and then it involves helping people avoid speculation.  What’s the difference between investment and speculation?  A short explanation is that speculation often means you’re trusting the “Greater fool theory” to make money.  According to Investopedia[1], “The greater fool theory states that you can make money from buying overvalued securities [stocks, bonds, currency, etc.] because there will usually be someone (i.e., a greater fool) who is willing to pay an even higher price.”  Another way to put it is that speculators buy things because they think someone else will later find them more valuable, whether they actually are or not.  Speculators seek to sell before others figure out that what they’re selling might be worthless.  Instead of trusting this, investors do some work to find out what something is worth and why it would be worth more later to someone else.

In an earlier post about saving for retirement, I noted that “Solomon did encourage us to invest for the future” but also “not to stress too much about what may or may not happen.”  So, this post is not about how to best invest for goals like college or retirement, but about how do we avoid ultimately being the greater fool?  The longer you extend the time frame – even beyond death and into eternity – any investment or speculation in this world looks very different.  In the words of Jim Elliot, an American missionary martyred in Ecuador: “He is no fool who gives what he cannot keep to gain that which he cannot lose.”  In eternity, much of what we now consider investment will look like foolish speculation.

Consider this excerpt from Ecclesiastes 2:18-21.  “I hated all my toil in which I toil under the sun, seeing that I must leave it to the man who will come after me, and who knows whether he will be wise or a fool?…sometimes a person who has toiled with wisdom and knowledge and skill must leave everything to be enjoyed by someone who did not toil for it. This also is vanity and a great evil.”

Solomon is cautioning against counting on things we can’t control, such as what will be done with our worldly goods after we’re gone.  If we agonize over accumulating goods, not only are we not satisfied, but do we also teach the next generation to overvalue things, rather than their Creator, thus making our efforts futile and foolish?  Even if our goods outlive us, can we hope that they help those who receive them more than they helped us?  Or is this just speculation?

As an alternative, Solomon says in 2:24: “There is nothing better for a person than that he should eat and drink and find enjoyment in his toil. This also, I saw, is from the hand of God, for apart from him who can eat or who can have enjoyment?”

Solomon argued that we can’t trust in goods to help our descendants – but what about the question of whether our goods will do us any good in eternity?  Can we trust goods to help us after we’re gone?  Jesus had this in mind in Mark 8:36, when He said: “For whoever would save his life will lose it, but whoever loses his life for my sake and the gospel’s will save it.  For what does it profit a man to gain the whole world and forfeit his soul?  For what can a man give in return for his soul?”

Jesus’ question is rhetorical, because we cannot offer any goods to God which are not already His: “The earth is the LORD’s and the fullness thereof, the world and those who dwell therein.”[2] Also, nobody else can pay the cost of our soul either, because they owe their own.

Jesus, the Greater Fool
If our souls are eternal, but we’ve spoiled them by speculating on the goods of this world, who is the greater fool who will pay for them?

Fortunately, the only One who can pay the cost of our souls is also the one who values them the most – even more than we do.  This One was willing to become a fool to the world to purchase the souls of His people.  This One has a soul that was not wasted on the things of this world; therefore, He can offer it for others if He chooses to.

Fortunately, this One is also the One who values every soul the most because as Creator, He loves His people.  An old proverb says, “a thing is worth only what someone else will pay for it.”  On the cross, this One paid His own life for you, because to Him you are worth it and His own life was the price He was willing to pay.

Jesus is this One and in eternity, the only way to avoid the “greater fool theory” is to give our lives to Him and follow His command to love Him and love our neighbor.  Then we will always have everything we need, and we will never lose it.  Even after death and into eternity.

“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.  For where your treasure is, there your heart will be also.” – Jesus, in Matthew 6:19-21

[1] https://www.investopedia.com/terms/g/greaterfooltheory.asp
[2] Psalm 24:1

He is Always Abba, Father

Todd R 2 Comments

Fellow travelers,

Just before being betrayed by Judas and arrested, Jesus sought some solitude in the garden of Gethsemane, where “he fell on the ground and prayed that, if it were possible, the hour might pass from him.  And he said, ‘Abba, Father, all things are possible for you. Remove this cup from me. Yet not what I will, but what you will.’” (Mark 14:35-36). Jesus knew He was soon to die.

Donald McKim notes that “In Aramaic, the language Jesus spoke, Abba is the word for ‘Father.’ It is a term that expresses the closest and deepest intimacy of the relationship of parent and child.”[1]  Jesus knew this intimacy even on the way to the cross.

McKim also quotes Philip Melanchthon, who said: “’Abba, Father’. By this he taught us that these two things are required in prayer, namely, the ardent affection of the mind and the faithful trust of children toward God: these two words testify that both of these aspects were present in Christ.”

The Father loves us always, even on our most difficult days.  Trust Him in prayer today.

[1] McKim, Donald K.  Everyday Prayer with the Reformers (2020).  P. 73.

The Meaning of the Bible in Sign Language

Todd R 1 Comment

As a hearing child of deaf parents myself, I was thrilled in 2022 to see the movie CODA win best picture, deaf actor Troy Kotsur win best supporting actor, and Siân Heder win for best adapted screenplay.  CODA stands for Children of Deaf Adults and the story centers around Ruby Rossi, a hearing teenage girl who is an amazing singer but is the only hearing member of her family.  There are good lessons in the movie about overcoming differences and obstacles through some compassion and creativity.

It was a great movie but be aware: “Mr. Kotsur used the versatility of sign language to enhance Frank’s dialogue, which is sometimes salty enough to push the limits on the movie’s PG-13 rating.”[1]  There’s one scene in particular where Frank Rossi embarrasses his daughter Ruby in front of a boy with some improvised, erotic sign language.  Versatility has negatives but also positives…

Multiple words for love in Greek (eros, agape, etc.) conceal layers of meaning when translated to English.  After watching CODA, I was reminded of an example where the expressiveness of sign language also adds layers of meaning beyond spoken English. (maybe spoken English is just a bad language?)  Not all sign language is the same – there are many dialects – but the sign for Bible I use is actually two signs: “Jesus” followed by “book.”  Every time I sign what I would just speak as “Bible,” there’s a reminder built right in that the Bible is a book about Jesus.  From start to finish, the Bible is a record of why He needed to come, what He was like when He did, and what His followers should believe, know, and do.  Jesus Christ is described right in the sign for Bible!

But there’s still another layer.  In the book of 1 Corinthians, the apostle Paul defends his ministry saying that his message needs to focus on “Christ crucified”[2], not on performing miracles to those who want signs and impressing with fancy speech those who love wisdom.  To sign “Jesus”, I touch the middle finger of my right hand to the palm of my left hand, then the middle finger of my left to the palm of my right.  What does that signify?  It’s an expressive reminder of the crucifixion of Jesus, and the nails that were barbarically driven into his hands.  Thomas, one of the 12 main disciples of Jesus, said after the first Easter that he would not believe Jesus had risen from the dead “Unless I see in his hands the mark of the nails, and place my finger into the mark of the nails, and place my hand into his side.”  Eight days later, Jesus presented Himself to Thomas and said “Put your finger here, and see my hands; and put out your hand, and place it in my side. Do not disbelieve, but believe.”  To which Thomas replied: “My Lord and my God!”  (John 20:24-29).  I don’t know if this was intended by the person who created the sign for Jesus, but it may be a liturgy recalling this encounter, reminding us that Jesus was crucified, yet lives!

So, whenever you think of the Bible, think of it in sign language where every single time you sign it, there is a reminder that the Bible is the book about Christ crucified.  After Thomas declared who Jesus was, Jesus responded: “Have you believed because you have seen me?  Blessed are those who have not seen and yet have believed.”  Every time I sign “Bible,” it testifies to those who have not seen Jesus of what He has done for them.

One Last Thing
By the way, to sign “book” you place your hands together flat, palms facing each other, in front of you, then open them as if your hands were the front and back of a book.

[1] Jurgensen, John. “Troy Kotsur of ‘CODA’ Wins Best Supporting Actor Oscar.” The Wall Street Journal, 27 March 2022.
[2] 1 Corinthians 1:23

God Overcomes the Green-Eyed Monster

Todd R Leave a comment

In Shakespeare’s play Othello, the evil Iago says the line: “O, beware, my lord, of jealousy! / It is the green-eyed monster which doth mock / The meat it feeds on.”[1]

Jealousy can be a monster that takes control of us if we aren’t careful, so since at least 1603, people have been describing this powerful emotion as being taken over by the “green-eyed monster.”  What is this emotion?  Merriam-Webster says we are jealous when we feel “hostile toward a rival or one believed to enjoy an advantage.”[2]  Even though jealousy is a hostile emotion, “we know that for those who love God all things work together for good,”[3] so He must be able to work through the green-eyed monster.

The first use of the word jealousy in the ESV Bible comes from Genesis 37:11, which begins with: “And [Joseph’s] brothers were jealous of him.”   This jealousy came from the favoritism Joseph’s father Jacob showed toward Joseph over his 11 brothers, but also the dreams Joseph shared where his family was bowing to him.  So, in Genesis 37:19-20, the brothers “said to one another, ‘Here comes this dreamer.  Come now, let us kill him and throw him into one of the pits. Then we will say that a fierce animal has devoured him, and we will see what will become of his dreams.’”  But Joseph was rescued and ended up in charge of Egypt’s food supply during a famine, enabling him, through God’s providence, to feed and save the rest of his family.  Therefore, what started as jealousy resulted in Israel’s deliverance from famine.  Joseph tells his brothers: “As for you, you meant evil against me, but God meant it for good, to bring it about that many people should be kept alive, as they are today.”  (Genesis 50:20)

Later, in the New Testament, jealousy was a cause of the persecution of the early Christian church.  Acts 13:44-45 says “The next Sabbath almost the whole city gathered to hear the word of the Lord.  But when the Jews saw the crowds, they were filled with jealousy and began to contradict what was spoken by Paul, reviling him” and Acts 17:4-5 says “And some of them were persuaded and joined Paul and Silas, as did a great many of the devout Greeks and not a few of the leading women.  But the Jews were jealous, and taking some wicked men of the rabble, they formed a mob, set the city in an uproar, and attacked the house of Jason, seeking to bring them out to the crowd.” (Emphases added)

The apostle Paul was quite aware of this fierce jealousy, but instead of getting upset and annoyed about it, he knew that God would use it for the good of His people.  In fact, while Paul knew his ministry to the Gentiles provoked jealous feelings among Jews, he also hoped jealousy would bring some Jews to faith in Christ: “Now I am speaking to you Gentiles. Inasmuch then as I am an apostle to the Gentiles, I magnify my ministry in order somehow to make my fellow Jews jealous, and thus save some of them.” (Romans 11:13-14)

But the biggest example of God working through jealousy and its relative, envy, can be found at the cross.  Pharisees and other religious leaders of Jesus’ day were jealous of the crowds that followed Him, of the authority He wielded, and of the miracles He performed.  Therefore, they plotted against Jesus to silence Him, and when they finally seized Him and turned Him over to Pilate, the Roman governor of the region, Matthew 27:18 records that Pilate “knew that it was out of envy that they had delivered him up.”  What began as jealousy led to the cross and the only way our sins could be paid for was fulfilled!

Jealousy remains a harmful emotion, and God never creates evil in us, but jealous feelings not only resulted in the temporal salvation of Israel from famine and eternal salvation for some Jews in the New Testament, but jealousy also contributed to the crucifixion of Jesus, which made all salvation possible. When Paul wrote “we know that for those who love God all things work together for good,” it included God overcoming “all things.”  Even jealousy, the green-eyed monster.

[1] https://www.merriam-webster.com/wordplay/top-10-phrases-from-shakespeare
[2] https://www.merriam-webster.com/dictionary/jealous
[3] Romans 8:28

Rules Aren’t Enough (No Matter What You Call Them) – Psalms of Ascent #2

Todd R Leave a comment

Fellow travelers,

Last week I introduced a weekly series on the “Psalms of Ascent”, grouped together from 120-134 and used as a liturgy for pilgrims going to Jerusalem for annual festivals.  Before jumping into Psalm 120 next week, today we consider what it might mean that Psalm 119 precedes it.  Was this order intentional (as the grouping of Psalms 120-134 was) and for what reason?

Laws, Precepts, Statutes, Rules, and More
Psalm 119 is the longest chapter in the Bible, with 22 sections, or stanzas, one for each letter of the Hebrew alphabet.  In it, the Psalmist poetically praises God’s moral law, using 8 different words to describe it, and including at least 6 of these in every stanza.[1]  It seems repetitive, but by approaching it from so many angles, the Psalmist is saying “no matter how you look at it, everyone is better off if they know and follow this law.”  For example, verse 105 – “Your word is a lamp to my feet and a light to my path” – says that not knowing the law is like walking in darkness, but that following the law keeps you on the right path.  Verse 98 – “Your commandment makes me wiser than my enemies, for it is ever with me” says the law is a reliable source of wisdom, and better than the rules of God’s enemies.  There are many such examples in the 176 verses.

But, while declaring that following the right moral law is good for us, Psalm 119 also declares that none keep it regularly.  The Psalmist says “My eyes shed streams of tears, because people do not keep your law” in verse 136, and also that “I have gone astray like a lost sheep” in verse 176.  God’s word may be a lamp to our feet, but our feet go elsewhere anyway.  Therefore, we mourn sin – that of us and that of others – because we are all guilty and we all suffer the consequences[2].  We take no joy in other’s misfortune because we are not immune.  Any moral law – including a perfect one from God – always shows us how far short we fall.  Rules cannot make us perfect; they can only define perfection.

Christ Crucified
Therefore, there is another part of God’s law – the ceremonial law – which is never mentioned in Psalm 119 unless you want to include the “freewill offerings of praise” mentioned in verse 108.  The Psalms of Ascent follow a Psalm praising God’s moral law because, although His law is good, it is not enough.  Only by going to the temple regularly could God’s people see what sacrifices God prescribed to compensate for their failures and satisfy His justice.  While these ceremonial sacrifices were insufficient, they always pointed forward to the ultimate, perfect sacrifice of Christ which would fully cover our sin, empower us to grow in obedience to His good moral law over time, but also make the temple sacrifices irrelevant and unnecessary from that time forward.

To today’s Christian, the Psalms of Ascent remind us not only of our need for salvation apart from law, but they prepare us to regularly contemplate His provision to accomplish that salvation.  As these Psalms provided instruction on what Israelites should have been thinking about along the way to the temple in Jerusalem, we can benefit from them also as we travel to congregate with other sinners seeking our only hope together.  God’s people didn’t just arrive in Jerusalem and become magically transformed by ceremonies.  The Psalms of Ascent encouraged them to prepare and participate.

[1] As noted in the Reformation Study Bible.
[2] See this blog’s series on “Blessed are those who mourn,” which starts here.