Today, I look back at my life and career choices that cost me dearly because I never understood the the power of Proverbs 12:11.
When I started out in my career as a software developer, I took an entry-level salary. This certainly helped pay the rent and put food on the table. I quickly progressed to a more senior role in a different company. Further promotions led to a directorship at a newly-formed company, owned by my existing employer.
I built the company up from a single employee (me) to a $1,000,000/year turnover with a team of developers and contractors managing the company’s growing client base… in return for which, I earned a $60,000/year salary. Sadly, when I resigned from that company, it was unable to continue in that vein. After I left, its income dropped, the developers I had trained and mentored moved on to other opportunities, and the company eventually closed its doors.
Some may look at the numbers above and consider my remuneration as unfair. I do not. I agreed a salary with my employers and they paid me the agreed wages every month. In the early days, they paid me what was legally owed, whether the company made any money or not, and they increased my salary as revenues grew. In other words, the business owners took the risks in the early stages and reaped their reward down the line, as annual turnover began to increase.
This is where the power of Proverbs 12:11 comes into play.
The Power of Proverbs 12:11
Looking back, I now realize that I was not working my own land back then; I was working someone else’s land! The business owners were the ones who had abundant food. So, was I chasing fantasies instead? Well, I certainly wasn’t chasing after any get-rich-quick schemes. Nor was I wasting my money on lottery tickets or the latest Bitcoin fad.
The only ‘fantasy’ I clung to was job security. I built up and managed a $1,000,000 turnover business. However, I would never have dared try to do this for myself back then. I was far more content with my $60,000 salary and would never have dared risk losing that income for the potential profits that I was already generating for the very business in which I worked. For me, job security at $60,000/year was worth more than all the profits I was personally generating for that company.
However, the sad truth is this; if that company had failed, those same business owners would probably have made me redundant in a heartbeat and paid me a a tiny severance package that might cover three months’ salary, if I was lucky. I have seen this happen to countless peers and colleagues over the years. In that sense, job security is a fantasy that I chased, like so many of my peers.
Looking back, I now realize, I traded my financial freedom for a $60,000/year paycheck and the illusion of job security.
Those who work their land will have abundant food, but those who chase fantasies have no sense.
Proverbs 12:11
For the past few years, I have been working my land as it were, and following the advice in this proverb. My ‘land’, in this context, is a growing rental property portfolio.
Currently comprised of three properties, this rental portfolio produces a small income over and above the income from my job. This has allowed me to give additional funds to support missionaries beyond my local church to ensure sustainable giving over time.
Having saved enough money to acquire a further two properties, and increase my portfolio to five, I cast my eye about for a new opportunity. However, the UK property market is on the rise and good investments have become harder to find.
Then an exciting opportunity presented. A block of flats with twenty-four apartments. Price tag? Five million dollars. My creative juices started flowing. I considered the possibility of Mezzanine finance — a second charge over the property — at a higher interest rate. This would raise my total funding to 90% of the purchase price. What if I could find private investors, and raise the remaining funds for this deposit?
My heart beat faster. I could increase my investment portfolio by orders of magnitude! My portfolio would leap from three to nearly thirty apartments in a single deal! How awesome would that be?
Then I remembered Proverbs 12:11 — but those who chase fantasies have no sense.
This may look like a fantastic opportunity. However, the reality is this; I don’t have the financial capacity to weather the storms I might encounter on an investment of this magnitude. What if I struggle to find tenants for these twenty-four apartments, even for a few short months? How would I cover the resulting expense out of my current portfolio of three properties? What if the building needs unexpected maintenance? Or what if the government passes their planned bill to make rental properties more eco-friendly?
The truth is, a single leap of such proportions is simply too big — and too risky. It is a fantasy. I might even find private investors to fund the deal but I know, in my heart, that I would be putting their money at undue risk. I would have a duty of care to any investors and I have not been doing this long enough to take on a block of that size.
Best-case scenario? At this point in my journey, such an investment opportunity might all come to nothing and simply waste a lot of my time and energy. I might find that I have spent weeks, or even months, talking to agents and finance brokers, preparing business plans and investment memorandums, meeting with potential investors and selling them on the concept — all very exciting — only to find that all my efforts come to naught.
For a start, any savvy investor would look at my current portfolio of three properties and ask the hard question. How will you keep my money safe in the event of any unexpected setbacks on such a big investment?
The truthful answer would be, ‘I can’t’
Worst-case scenario? Utter ruin and bankruptcy.
The biggest challenge is in the numbers. To jump from a portfolio of three to nearly thirty in a single leap is tantamount to building a skyscraper on a foundation of Lego blocks. With an inadequate foundation, every tiny gust of wind would strain the foundation to breaking-point. Even the smallest financial setback could bring the entire edifice crashing down. Those who chase fantasies have no sense.
Work Your Land
So what is the alternative? Work your land! Those who work their land will have abundant food
I’m not saying that we should never aspire to greatness in any shape or form. I may yet purchase this type of investment at some point in my journey. However, the right way to achieve that goal is to work my land. In other words, rather than chase after a fantasy, I should work on growing the portfolio of three properties I have right now. And, if I work my land, I might increase three properties to five over the next year or two — God-willing. Then, I can work on increasing my portfolio from five properties to ten. This may take a few more years. After that, I might spend another year or two — even three — building the portfolio from ten to twenty. Only then will I be in a position to realistically consider an investment of this size.
In all honesty, even a plan that aims to double my portfolio size every two years is fairly ambitious. But it is far more realistic than attempting to increase it by a factor of ten in a single transaction.
As I readjusted my goals and timelines, around a work your land mindset, God reminded me why I started building this portfolio. It is to serve His kingdom and purposes; not my own ambitions. It is to create an income stream that can fund missions and cover my salary in part or in full, so freeing me up to work as a Tent-Maker in God’s kingdom. And God has all the time in the world.
By working slowly and diligently, I am following the instruction in Proverbs 12:11; work your land. And therein lies the promise. Those who work their land will have abundant food.
Far better to follow the wisdom in God’s word and work your land, as the proverb says.
All hard work brings profit, but mere talk leads only to poverty.
Proverbs 14:23
This post is inspired by chapter one of The Wise Man & the Fool. This is the first lesson that the characters learn in the parable-like story. In this lesson, both men did equally well. They were both hard workers and learned to earn an honest wage. The differences between the two men — the wise man and the foolish one — appear later in the book.
As I observe hard-working believers the world over, I find this to be a common truth. Almost all of the Christians I know are people with a good work ethic who understand the value of an honest day’s work. Yet many of those people still experience financial difficulty in their lives and find themselves living from paycheck to paycheck.
That does not negate the value of this verse; it is an essential starting-point in the journey out of financial difficulty.
That said, there is much to think about with respect to this verse. We need to consider it in the light of other verses. For instance,
The toil of fools wearies them; they do not know the way to town.
Ecclesiastes 10:15
At first glance, this verse appears to contradict Proverbs 14:23 and points to the futility of working tirelessly, day after day.
Then there are verses like,
Unless the Lord builds the house, the builders labor in vain. Unless the Lord watches over the city, the guards stand watch in vain. In vain you rise early and stay up late, toiling for food to eat — for he grants sleep to those he loves.
Psalm 127:1-2
This verse really speaks to me when I consider my career in the corporate world. I recall a time when I woke up at 05h00 each morning. I would leave the house at 06h00 and face a grueling one and a half hour commute into the office. This was followed by nine hours — or sometimes ten — of work and endless meetings that ranged from tedious to pointless, but for which I received my monthly wage. Then followed the commute back home for another one and a half hours, assuming there were no traffic incidents en route. I usually arrived home between 18h00 and 19h00 in the evening. And I did this for eight years.
It was exhausting.
During that period of my life, I gained a deep understanding of Psalm 127:2. In vain you rise early and stay up late, toiling for food to eat.
Profitable Work vs the Toil of Fools
So how should we equate these two polarized views of hard work in the Bible?
The clue lies in Proverbs 127:1; unless the Lord builds the house, the builders labor in vain. We need to understand what ‘house’ the Lord is building in our lives and then get with the program.
The difference is intent. And intent goes to why we choose to work hard. If we are simply working hard to earn a living and pay bills, we are engaged in the toil of fools. On the other hand, when we are intentional about putting God first in our lives and seeking his kingdom, we can begin to build our job and the work we do around that goal. In this case, our work becomes a short-term means to a greater end; establishing God’s kingdom in our own lives and in the world around us.
As believers, we understand this truth with regards to the pursuit of riches. Don’t chase after wealth and riches, we tell ourselves; life is not all about making lots of money. But the same rule applies to how we make our living and pay the rent each month. If life isn’t all about making lots of money, it most certainly isn’t all about making ends meet. Where is God in either of those pursuits?
So how can we break the cycle, and ensure that we are doing profitable work but not engaging in the toil of fools? The secret lies in finding work that creates, or offers us, the freedom to seek God’s kingdom in our lives. For me, a job that devoured most of my waking hours and all of my energy, leaving me with no time to seek God’s kingdom or understand his purposes in my life, was the toil of fools. It paid the bills but left me exhausted and unfulfilled. It also left me unable to spend time on the things that were most important to me; my family and my relationship with God.
The change required some tough choices on my part. I left that job and embarked on a new adventure. That choice drastically reduced my income. My wife and I had a tough year, financially, as we adjusted to the new normal and figured out how to navigate this new lifestyle. I had a lot less money, but I had so much more time and energy! It was both terrifying and invigorating.
I have heard it said that people should learn to work smart, not hard. I subscribe to this philosophy insofar as, to me, ‘smart’ means making choices that create the space — read time — for me to seek God’s kingdom and understand what that kingdom looks like in my life. But, I have to acknowledge, those choices were not always easy. They made for a bumpy ride, financially, as my income reduced in the short term and bills began mounting up. This forced me to look at my whole approach to income and expenditure in a new way. I had to break a raft of culturally-ingrained spending patterns, centered around the love of money, and learn to make better financial decisions with the money I earned.
Yes, we should work smart, not hard — but we need to work hard at working smart.
Ironically, two years on, I am in a place where I earn more money than I did in my previous job. Only, now I work from home for the most part. I have more time to read and meditate on God’s word, and to share his word with others. I have more time to spend with my family. I have more time to pray too but, I confess, this is an area in which I struggle; I remain a work in progress.
I am still very much walking this journey and, I guess, will continue walking it as long as I live. However, I have committed to making more intentional decisions about how I earn my income as well as how I spend my money. Those decisions aim to put God first, to seek the kingdom and to work on the house that God is building in my life rather than on the toil of fools. I have chosen a job that fits around that objective, rather than one that encroaches on it.
As a result, I feel more energized than I have in years past. This because, today, I experience the promise in Psalm 127:2; he grants sleep to those he loves. It does not mean that I am living a life of leisure, however; it merely equips me to live a life of service to his kingdom. And that has made all the difference.
Do not get any gold or silver or copper to take with you in your belts — no bag for the journey or extra shirt or sandals or a staff, for the worker is worth his keep.
Matthew 10:9-10
I have been confronted with a fairly common question from believers. Should Christians invest in stocks? There are a lot of aspects to this question but one of the main debates goes to the question of faith. Many believe that such an investment undermines our faith in God as our trust should be in him, rather than in our investments, for our provision.
In some Christian circles, the argument goes that anyone who invests is a lover of money and is demonstrating a lack of faith by investing in assets like property or stocks. Their answer to the question —should Christians invest in stocks— is a resounding no!
Jesus instruction to the disciples in Matthew 10:9-10 is a common passage that Christians reach for whenever discussing the idea of investing for the future, versus faith in God. Jesus told his disciples to trust in the Lord for their provision. There was no need for them to plan for their the future, because God would work things out so that they would have all that they need.
However, there is something that we need to take note of when considering this passage. Jesus’ words to the disciples were specific to this journey. We see that by looking at his words to these same disciples in the following passage.
Then Jesus asked them, “When I sent you without purse, bag or sandals, did you lack anything?”
“Nothing,” they answered.
He said to them, “But now if you have a purse, take it, and also a bag; and if you don’t have a sword, sell your cloak and buy one.”
Luke 22:35-36
On this occasion, Jesus tells his disciples to provide for themselves in a more proactive way; by saving, buying, selling, and planning for the future. These were some of Jesus’ final words to his disciples, before he was arrested and crucified. They were his instructions on how we should carry out God’s mission after His death.
Two different journeys; two different instructions. We can’t take one verse and build a belief system around it without considering the other verse as well. After all, both instructions came from Jesus. He could not have been condemning the idea of investing, saving, and preparing for the future in Matthew 10, if he then instructed his disciples to actively engage in these activities at a later date.
Should Christians Invest in Stocks?
I would take this a step further. I find it strange that the same believers who rage against the idea of investing — on the grounds that it demonstrates a lack of faith — think nothing of waking up at the crack of dawn and commuting into work each day. There they will slave away at their jobs for eight to ten hours, before facing the reverse commute back home. And they will do this five to six days a week for forty to fifty years of their life… all to earn a paycheck at the end of each month!
If these believers are so sure that God will provide for them in their retirement, why not demonstrate that same faith with respect to their next paycheck? Why not simply quit their jobs and trust God for their monthly income, according to their interpretation of Matthew 10:9-10? The reason is simple; they recognize that to do so would be foolish, and it would put their income at risk. In so doing, they acknowledge that a level of pragmatism is needed. In this, they will get no judgment from me; they are exercising wisdom and protecting their income, while maintaining their faith in God. However, I will challenge the notion that investing for the future should, for some reason, be weighed using a different scale.
We can’t have it both ways. Investing for the future and working for immediate income are flip-sides of the same coin. Either both are wise — and sensible according to scripture — or neither is.
So, should Christians invest in stocks? I, for one, believe that we should invest for the future. Furthermore, I believe that there are sound Biblical reasons to do so. As long as we understand that we are not storing up treasure on earth in order to live a life of leisure. Rather, we should be doing this in order to build God’s kingdom. We do this by using the passive income generated from our investments to support us as we go about God’s business, as well as to support others in their service to God.
An investment portfolio might include property, stocks, commodities or any number of other asset classes. I am not here to tell believers which asset classes or, indeed, which stocks they should invest in. I will simply say that, from what I see in scripture, it is okay to do so and does not contravene God’s word, in principle.
A wife of noble character who can find? She is worth far more than rubies….She makes linen garments and sells them, and supplies the merchants with sashes.
Proverbs 31:10,24
I have heard many sermons preached about the Proverbs 31 Wife, or Wife of Noble Character over the years. There are numerous blogs and even entire ministries built around this particular passage of scripture. These messages generally focus on the woman’s character and duties as a wife and mother; I don’t want to diminish that focus in any way. It is both valid and important.
However, there is a major aspect of the Proverbs 31 Woman that is widely glossed over, and even totally ignored. This relates to her business acumen and the way she manages her finances. Here are the facts. Of the twenty-two verses in the passage, seven are comments for the reader’s benefit or general praise from her husband and children (E.g. Her children arise and call her blessed; her husband also, and he praises her – vs28). While these are interesting, they don’t actively describe her character. The remaining fifteen verses focus explicitly on her character and actions.
Of the fifteen verses that actively describe her character and actions, only two actually focus on how she acts toward her husband. Another three focus on how she cares for her children and household….
And no less than six verses focus on how she conducts her financial life. How can we, in good conscience, read this passage about the ‘Ideal Godly Woman’ and simply disregard 40% of what the Bible tells us about her!
What the Bible Says About Money in Proverbs 31
She makes linen garments and sells them, and supplies the merchants with sashes.
Proverbs 31:24
The preceding verses in this passage have already established that the Proverbs 31 Woman is more than a wife and homemaker. Lest there was any doubt, verse 24 slams that message home one more time.
We have seen that she buys raw materials for her business (vs 13). We have seen that she manages her employees (vs 15). We have seen how she invests her own earnings and manages her investments (vs 16). We have also seen how she labors tirelessly to make her business profitable (vs 18) and that she works alongside her employees on the factory floor (vs 19). Together, these verses offer valuable insight into what the Bible says about money and how we should manage it.
Now, in verse 24, we see that her business makes fine linen garments and sashes, which she sells to the merchants. The word ‘merchants’ is actually ‘Canaanites’ in the original Hebrew. In other words, the Phoenician merchants. Put in a slightly more modern context, this verse tells us that she manufactures high-quality fashion products and sells these to Phoenician merchants for export across the known world.
Girdles, in particular, were richly worked and highly valued. Good quality items would fetch a high price.
This verse is the culmination of the preceding ones. All the preceding verses that describe her various business activities are setting the foundation for verse 24. Together they paint the picture of a woman who — while managing her household duties, being a good wife and mother, serving her community and giving to the poor — is building a business that spans the supply chain and sells its wares for export to an international client-base.
And the Bible commends her for it. This is in stark contrast to many traditional Christian beliefs when it comes to what the Bible says about money. Perhaps this is why most studies of this passage either gloss over, or simply ignore these verses.
As I have stated previously in this series, I don’t believe that this takes away from any of the character traits and values that our Christian tradition usually chooses to hold up as the Biblical standard for the Ideal Godly Woman. All I am saying as that this verse and the five others mentioned in this post are right there alongside the ones that focus on her roles as a wife and mother. They are right there alongside the ones that focus on her wisdom and general work ethic…
… and together, these are the attributes that the Bible holds up as the character traits and actions that make her the Godly woman she is.
Verses like this show very clearly that what the Bible says about money cannot be distilled down to a Poor Good, Rich Bad mentality. Nor can we disregard financial matters as irrelevant in our Christian walk. I agree that our focus should always be first and foremost on God and his kingdom. However, we cannot ignore the financial aspects of our life when focusing on Godly character. Our view of money and the way we manage it are as much a part of who we are in relation to God as any other area of our lives — sometimes even more so.
A right view of money and how God wants us to manage it in our lives is essential to our success in this world and in God’s kingdom. The Bible offers a wealth of wisdom on this subject and we ignore verses like these, in Proverbs 31, at our peril — both in this life and the life to come.
Jesus told us to seek first the kingdom of God in this life — and how we manage our money will either lead us closer to, or further away from that goal.
A wife of noble character who can find? She is worth far more than rubies….Her husband is respected at the city gate, where he takes his seat among the elders of the land.
Proverbs 31:10,23
I have heard many sermons preached about the Proverbs 31 Wife, or Wife of Noble Character over the years. There are numerous blogs and even entire ministries built around this particular passage of scripture. These messages generally focus on the woman’s character and duties as a wife and mother; I don’t want to diminish that focus in any way. It is both valid and important.
However, there is a major aspect of the Proverbs 31 Woman that is widely glossed over, and even totally ignored. This relates to her business acumen and the way she manages her finances. Here are the facts. Of the twenty-two verses in the passage, seven are comments for the reader’s benefit or general praise from her husband and children (E.g. Her children arise and call her blessed; her husband also, and he praises her – vs28). While these are interesting, they don’t actively describe her character. The remaining fifteen verses focus explicitly on her character and actions.
Of the fifteen verses that actively describe her character and actions, only two actually focus on how she acts toward her husband. Another three focus on how she cares for her children and household….
And no less than six verses focus on how she conducts her financial life. How can we, in good conscience, read this passage about the ‘Ideal Godly Woman’ and simply disregard 40% of what the Bible tells us about her!
Freedom to be a Christian Influence on Society
Her husband is respected at the city gate, where he takes his seat among the elders of the land.
Proverbs 31:23
At first glance, this may look more like a tribute to the Proverbs 31 Woman’s husband rather than to her. However, in the context of this passage, it is clear that this is her achievement, not his alone. I have no doubt that her husband was a Godly man, filled with wisdom. He would not last long as an elder at the city gate unless it were so. But this verse is all about the Proverbs 31 Woman; not her husband.
So how is her husband’s position among the elders of the land counted as her achievement? The clue is in all the surrounding verses:
She contributes to the family income (vs 13)
She manages the household budget (vs 14)
She rises before dawn to provide food for her family (vs 15)
She also has help; she plans her day before sunrise and assigns her staff their responsibilities (vs 15)
She invests her earnings to acquire assets (vs 16)
She also works her assets to ensure they provide ongoing harvests (vs 16)
She is a hard worker (vs 17)
She runs a profitable business (vs 18)
She also nurtures her business income by working late into the evening (vs 18)
She works alongside her employees on the factory floor to maintain quality and productivity (vs 19)
She ensures that her family is properly clothed (vs 21)
She makes time to care for her own needs (vs 22)
She has prepared for the future (vs25)
She takes charge over her household (vs 27)
She is also never idle with respect to her household affairs (vs27)
… all of which creates the freedom her husband needs to take his seat among the elders at the city gate. Think of it as the Old Testament equivalent of being a Christian influence on society.
By leading the life she did, and by exemplifying the character and actions listed in the Proverbs 31 passage, this lady created the freedom for her family to be a Godly influence in her community, city, and nation. Because of her diligence and business acumen and wise management of the family finances, her husband was free to spend his days at the city gates, and take his seat among the elders of the land. Lest we think that he was living a life of leisure, while she worked her fingers to the bone back at home, this is not the case. His was a big responsibility and it was also a life of service.
In Biblical times, the city gates were where important business transactions were made, courts were convened, and public announcements were heralded. By way of example, in Ruth 4:1-11, Boaz officially claimed the position of kinsman-redeemer by meeting with the city elders at the gate of Bethlehem. It was at the city gate that the legal matters concerning his marriage to Ruth were resolved.
This verse is, perhaps, the first in the passage that truly reveals the male-dominated system into which this woman was born. She was a Godly woman full of wisdom who, for the most part, never allowed herself to be shackled by the patriarchal society in which she lived. However, in this, she had no choice but to work within those constraints; a woman in Old Testament times could never be an elder in the city gates. The only way to ensure that she and her family could exert Godly influence in their community and city was to pave the way for her husband to sit in that seat — and this she did with grace and dignity.
In this way, the Proverbs 31 Woman worked to position herself and her husband so that they could share God’s love, mercy, wisdom and righteousness with the people around them. More than that, it enabled them to influence shape a society that did the same. Thanks to the Proverbs 31 Woman, her family was in a position to change the world. This is her triumph and it is why the Bible commends her.
In fact, Proverbs 31 is a very practical example of how the Christian influence on society might look. Yes, we are all called to shine God’s light to those around us but we should also think about how we can shine that light beyond our immediate sphere of influence. I am reminded of verses like Acts 1:8 that tells us to be Gods witnesses in Jerusalem, Judea, Samaria and to the ends of the earth. Our friends, family, neighbors and work colleagues are our ‘Jerusalem’ but we also need to think about how we reach beyond that.
This means joining, or building, a platform from which we can expand our Christian influence on society. However, while we do this, the practical concerns like putting food on the table and keeping the lights on don’t go away. The Proverbs 31 Woman is a shining example of how we can manage our income and expenditure in a way that creates the freedom and opportunity to share God’s love and spread the gospel throughout the world.
I do not believe that every Christian should be rich like the Proverbs 31 Woman — but I do believe that every Christian should be free. Free to seek first the kingdom of God and his righteousness, as Jesus instructed. Free to share the gospel with others at every opportunity. Free to go wherever God sends them and to serve whenever God calls. In short, I believe that every believer should be free to be a Christian influence on society. To shine God’s light and to draw others into his kingdom so that they may also seek his kingdom and his righteousness. In this way, we can truly change the world.
A wife of noble character who can find? She is worth far more than rubies…. She makes coverings for her bed; she is clothed in fine linen and purple.
Proverbs 31:10.22
I have heard many sermons preached about the Proverbs 31 Wife, or Wife of Noble Character over the years. There are numerous blogs and even entire ministries built around this particular passage of scripture. These messages generally focus on the woman’s character and duties as a wife and mother; I don’t want to diminish that focus in any way. It is both valid and important.
However, there is a major aspect of the Proverbs 31 Woman that is widely glossed over, and even totally ignored. This relates to her business acumen and the way she manages her finances. Here are the facts. Of the twenty-two verses in the passage, seven are comments for the reader’s benefit or general praise from her husband and children (E.g. Her children arise and call her blessed; her husband also, and he praises her – vs28). While these are interesting, they don’t actively describe her character. The remaining fifteen verses focus explicitly on her character and actions.
Of the fifteen verses that actively describe her character and actions, only two actually focus on how she acts toward her husband. Another three focus on how she cares for her children and household….
And no less than six verses focus on how she conducts her financial life. How can we, in good conscience, read this passage about the ‘Ideal Godly Woman’ and simply disregard 40% of what the Bible tells us about her!
She is Clothed in Fine Linen and Purple
She makes coverings for her bed; she is clothed in fine linen and purple.
Proverbs 31:22
I am reminded of the pre-flight safety announcements on commercial air travel. In the event that the cabin loses pressure, passengers are instructed to put on their own oxygen mask first; before attempting to assist others. This to ensure that they are properly able to take care of those around them. In this, strangely counter-intuitive, instruction, the airline companies have recognized that the only way to properly care for the needs of others is by taking care of yourself first.
The Proverbs 31 passage tells us much about what this woman does for others. This includes her family, her employees, her community and the poor. In this verse, the passage pauses for a moment, and focuses on how she takes care of herself. In my experience, this is one of the most neglected areas in the lives of many wives and mothers. It is easy to become so busy doing daily chores, caring for the family, and running the household — often while earning an income and pursuing their own career — that many women never make time for themselves. Worse than that, many actually feel guilty when they take a moment to have some down-time and care for their own spiritual, emotional, or physical needs. As if, somehow, they are doing the world an injustice by putting themselves first for a change.
This verse reminds us that it is not only okay to take time out to care for oneself but also essential. Just like the airline illustration, what good is it trying to help someone with their oxygen mask if you pass out from lack of oxygen yourself while attempting to assist them? We need to replenish ourselves spiritually, emotionally, and physically in order to properly tend to the needs of others.
Jesus understood this and we see many verses in the New Testament where he withdrew from the crowds who so desperately sought his attention and healing power. The Bible tells us that he often withdrew to lonely places and prayed (Luke 5:16).
While the above example shows that there is no shame in making a little time for oneself, Proverbs 31:22 actually shows that the Woman of Noble Character is not above spending a little money on herself either. She happily spends some of her earnings on personal pampering and paying for the finer things in life. And, far from admonishing her, the Bible actually commends her for it.
This in strong contrast to Jesus’ New Testament parable of Lazarus and the rich man. In that passage, Jesus uses almost exactly the same words when he says the rich man was, ‘dressed in purple and fine linen’ (Luke 16:19). However, in that context, Jesus uses the phrase as an accusation rather than a compliment. The fundamental difference between the two is their heart attitude. The rich man lived only for himself whereas the Proverbs 31 Woman lived a life of service to others. In earthly terms, such a simple change of heart seems like such a small thing. outwardly, both of these Bible characters come from the same demographic; only their heart attitude is different. Yet, in Kingdom terms, it makes a world of difference.
Verse 22 focuses on two rather unexpected areas; how she cares for her comfort and her appearance.
The first, part of the verse takes a look at how she adorns her home. It tells us she makes coverings for her bed, adorning it with cushions and soft coverings that are both beautiful and comfortable. Some of the Bible commentaries point out that this verse could actually be a reference to her wider household furnishings — or how she adorns her home.
The second part of the verse focuses on how she adorns herself. The verse tells us she is clothed in fine linen and purple — just like the rich man in Jesus’ parable. In the original Hebrew, the term fine linen could refer to silk or, possibly, a white linen of very fine texture. Either way, the fabric was of good quality and extremely expensive. The reference to purple is also significant. Purple dye came from a specific shellfish species in the Mediterranean. It required somewhere between 10,000-12,000 shells to produce just one gram of purple dye. As such the dye, or the purple fabric made with it, was prohibitively expensive and only worn by the wealthiest members of society.
However, unlike the rich man in Jesus’ parable the Bible does not censure her for this indulgence when she is clothed in fine linen and purple. Rather, the Bible recognizes that she has kept some money aside to pamper herself only in the wider context of all she does for others, she ensures. She need not feel ashamed or guilty for this. In fact, according to Proverbs 31:22, she has every right and should do so with a clear conscience.
A wife of noble character who can find? She is worth far more than rubies…. She opens her arms to the poor and extends her hands to the needy.
Proverbs 31:10,20
I have heard many sermons preached about the Proverbs 31 Wife, or Wife of Noble Character over the years. There are numerous blogs and even entire ministries built around this particular passage of scripture. These messages generally focus on the woman’s character and duties as a wife and mother; I don’t want to diminish that focus in any way. It is both valid and important.
However, there is a major aspect of the Proverbs 31 Woman that is widely glossed over, and even totally ignored. This relates to her business acumen and the way she manages her finances. Here are the facts. Of the twenty-two verses in the passage, seven are comments for the reader’s benefit or general praise from her husband and children (E.g. Her children arise and call her blessed; her husband also, and he praises her – vs28). While these are interesting, they don’t actively describe her character. The remaining fifteen verses focus explicitly on her character and actions.
Of the fifteen verses that actively describe her character and actions, only two actually focus on how she acts toward her husband. Another three focus on how she cares for her children and household….
And no less than six verses focus on how she conducts her financial life. How can we, in good conscience, read this passage about the ‘Ideal Godly Woman’ and simply disregard 40% of what the Bible tells us about her!
Biblical Giving
She opens her arms to the poor and extends her hands to the needy.
Proverbs 31:20
Despite the introduction to this post, this is one aspect of the Proverbs 31 Woman’s financial activities that is highlighted and widely taught in most sermons, blogs devotionals and Bible studies. While most of the other verses in this series are often glossed over or flat-out ignored, this verse is usually not. And why would it be? Generosity and giving are an integral part of our Christian walk and should be taught on a regular basis. No teaching in relation to what God’s word says about managing money would be complete without a deep study of Biblical giving.
So, despite the fact that this verse has probably been widely taught in other forums, I would still like to focus on it as a part of this series. It is, after all, not only a vital aspect of our Christian walk but also an intrinsic part of the Proverbs 31 Woman’s financial life and one of the traits for which the Bible commends her.
In one sense, this is the verse to which many of the preceding verses have been building up. We have read much about her work ethic, her business acumen, her management skills and her ability to turn a profit. We have also had a glimpse of her wisdom when it comes to investing and acquiring assets. However, it is in this verse that we see why she goes to such lengths to enlarge her income. She has a deep understanding of Biblical giving and is generous toward the poor and needy.
We have seen that she is a woman blessed by God. She has her own income and it is clear that it is a large one. She works hard for her money and is shrewd in both her trading and investment activities. In this verse, we see that she does not labor simply for her own household necessities. Far less, to live a life of luxury! Instead, she labors to increase her income so that she is able to meet the needs of others who need her assistance.
This passage was written before Christ. In New Testament passages, Jesus teachings introduce another facet to our giving. Not only should we give generously to the poor and needy, like the Proverbs 31 Woman, but also to the kingdom in order to spread the good news of the gospel.
Generosity and Biblical giving should be a big part of our Christian walk. It should be done deliberately and with prayerful consideration so that we know where God wants us to employ our resources for the poor and needy as well as for his kingdom.
Most of all, this verse teaches us that the Proverbs 31 Business Woman understood that she was not the beneficiary but, rather, a steward of the wealth she acquired. Yes, she used her income to meet her household needs. Yes, she used her income to invest in assets in order to increase her income and produce a future harvest. But most of all, she used her income to reach out to the poor and needy. In so doing, she chose to live a life of service to others rather than a life of leisure for herself.
A wife of noble character who can find? She is worth far more than rubies…. In her hand she holds the distaff and grasps the spindle with her fingers.
Proverbs 31:10,19
I have heard many sermons preached about the Proverbs 31 Wife, or Wife of Noble Character over the years. There are numerous blogs and even entire ministries built around this particular passage of scripture. These messages generally focus on the woman’s character and duties as a wife and mother; I don’t want to diminish that focus in any way. It is both valid and important.
However, there is a major aspect of the Proverbs 31 Woman that is widely glossed over, and even totally ignored. This relates to her business acumen and the way she manages her finances. Here are the facts. Of the twenty-two verses in the passage, seven are comments for the reader’s benefit or general praise from her husband and children (E.g. Her children arise and call her blessed; her husband also, and he praises her – vs28). While these are interesting, they don’t actively describe her character. The remaining fifteen verses focus explicitly on her character and actions.
Of the fifteen verses that actively describe her character and actions, only two actually focus on how she acts toward her husband. Another three focus on how she cares for her children and household….
And no less than six verses focus on how she conducts her financial life. How can we, in good conscience, read this passage about the ‘Ideal Godly Woman’ and simply disregard 40% of what the Bible tells us about her!
In Her Hand She Holds the Distaff
In her hand she holds the distaff and grasps the spindle with her fingers.
Proverbs 31:19
The distaff is used to produce spools of neatly wound yarn from a piece of wool. It is this process that makes raw wool usable. Only then can it be used to create coverings or items of clothing.
The wool is first attached to the distaff, which is held in one hand. With the other hand, one pulls out sections of the wool. Each section of wool must be carefully twisted and pulled down to attach it to the spindle. The weight of the spindle then pulls the fibers out of the compacted wool. The fibers then begin to spin around the spindle.
During this process, the distaff must be held with one hand, while the other hand keeps the fibers from tangling. The process requires skill, care and attention. It is a laborious and time-consuming task. The job requires nothing less than complete attention.
Despite the skill, concentration, and attention to detail, it was considered a fairly menial task. A wealthy woman could be forgiven for delegating this responsibility to her employees. However, once again, this verse shows that the Proverbs 31 Woman does not shy away from work because it is difficult. Nor does she consider this work to be beneath her. Instead, in her hand she holds the distaff.In other words, she rolls up her sleeves and leads from the front.
Spinning the yarn is an integral process in her business, and a crucial one that will determine the final quality of her produce. She must ensure that her employees get it right and she is right there on the factory floor with them. In this way, she leads by example.
Anyone who has run their own business knows that the owner has a multitude of other responsibilities. These include dealing with suppliers, doing the Accounting, Human Resources (staff problems), Marketing, Paying Bills and a whole raft of admin tasks. Of course, the passage has already shown us that this lady rises early, long before her household is awake and before her employees show up for work. She also does not let her lamp go out at night, and continues working long after sunset. It is in this time that she completes many of those tasks.
But, during the day, when her employees are on site and working, she is on the factory floor working alongside them; in her hand she holds the distaff. From this position, she is able to lead and mentor her employees. She is able to show them how to use the distaff and the spindle to produce the quality that her clients expect; quality that will fetch the highest prices in the market and make her business profitable.
It is interesting to note that, in the 1990’s and early 2000’s, Toyota implemented its Lean Manufacturing Methodology. This was a set of principles and practices designed to improve quality and efficiency in the manufacturing process. Other companies and industries quickly latched onto this methodology and the Lean Methodology took the business world by storm.
One of the driving philosophies within the Lean Methodology is Go to Gemba — or doing the Gemba Walk.
The word Gemba is a Japanese term that means ‘the real place’. In Lean management, Gemba is the most important place for a team as it is where the real work happens. In short, it is a principle and practice that insists managers get out of their offices and down on the factory floor where the real work happens. Only then can they truly understand their how their business truly operates.
By doing this, managers are better informed because they understand the challenges their employees face, the constraints in which they operate and why they often work the way they do. This enables managers to make better decisions about how they run their business and what they can reasonably expect from their employees.
The Lean methodology and the principles on which it was built were ground-breaking and many companies still work hard at implementing Lean within their organizations today. Interesting that the Proverbs 31 Woman appears to have had a firm grasp of these core principles several thousand years before companies like Toyota ever existed.
There is a major aspect of the Proverbs 31 Woman that is widely glossed over, and even totally ignored in the church today. This relates to her business acumen and the way she manages her finances. Here are the facts.
Of the twenty-two verses in the passage, Proverbs 31:10-31, seven are comments for the reader’s benefit or general praise from her husband and children.
Of the fifteen verses that actively describe her character and actions, only two focus on how she acts toward her husband. And six verses focus on how she conducts her financial life….
… yet many believers today insist on calling her the Proverbs 31 Wife.
I would like to refer to her as the Proverbs 31 Business Woman. This to highlight a largely untaught aspect of her character. Yes, I know she is more than just a business woman. However, I would point out that she is also more than just a wife. Or a mother. This is a Godly woman that the Bible holds up as a shining example of Godly character and righteousness. If God’s word can celebrate every aspect of her character, then so should we. Men and women alike, can all learn from her and would do well to follow her example.
How can we, in good conscience, read this passage about the ‘Ideal Godly Woman’ and simply disregard 40% of what the Bible tells us about her character and choices!
Below is a list of attributes that the Bible commends in the Proverbs 31 Woman.
On the left is the list of attributes that almost every message — Blog, Bible study or Sermon that I have come across —shines a light on. All taken directly from the passage.
On the right is a list of attributes also taken directly from scripture in the passage — but which I have never heard taught.
Attributes of the Proverbs 31 Woman
All True!!!
She is More Precious Than Jewels
She is a Good Wife
She is a Homemaker
She is Wise
She is Charitable
She is Prepared for the Future
She Outfits Her Home and Herself in Fine Linen
She Has a Husband Who is Well-Known and Respected.