John 19:28-37 · The Death of Jesus
Don't Sweat the Sin Debt
John 19:30
Sermon
by James Merritt
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It was a crisp May morning in a small pastorium of a small rural community called Buck Grove, Kentucky. I had been living, eating, sleeping, and breathing with a document called a dissertation. I had read from hundreds of books, articles, and journals in English, French, and German. Hardly a day went by for three years that I did not work on this thesis.

It was midnight on that May morning, and I wasn't just tired, I was, as they used to say in the country, "all tuckered out." I started to put my pen down when my eye caught something and I froze. In my concentration and weariness I had not noticed that what had been a box of several hundred note cards had now dwindled to just 25 to 30. It hit me like a hammer: I am almost done.

After almost three years I could see a light at the end of the tunnel, and it was not a train headed in my direction. My adrenaline started pumping, my blood start racing, my heart started pounding, and I began to write more furiously than ever before. Four hours later, at exactly four o'clock in the morning, I flung my pen down, pushed back my chair, lifted my hands, and said the sweetest word I had ever spoken in my life "FINISHED!"

For three years Jesus had been doing the work his Father had sent him to do. That work centered in the cross and culminated with his death. For six hours Jesus had writhed in agony; for three hours the world had been covered by the darkest cloud in history but there was a silver lining in that cloud. For Jesus now utters the greatest word He ever spoke one word in the Greek three words in English "It is finished!" (Jn. 19:30) At the age of 33, when most people are saying "It is beginning", Jesus said, "It is finished!"

Up to now we have studied the tragedy of the cross. Now we come to the triumph of the cross. We have heard a sound of desolation ("My God, My God, why have You forsaken Me?"); we have heard a sigh of lamentation ("I thirst!"); but now we hear a shout of jubilation ("It is finished!"). According to Matthew, Mark, and Luke, He didn't just say this, he shouted it.

It was a cry of victory. For six hours Jesus had been the victim of sin, but now He is the victor of salvation. Notice, He did not say, "I am finished!" The devil thought he was finished. For a brief moment the demons in hell howled with glee.

The Pharisees thought he was finished. They were saying, "We will have no more problems with that Galilean troublemaker."

The disciples thought he was finished. They were saying, "Well, it was fun while it lasted. We sure will miss Him." But they were all wrong. Jesus was not finished He was just getting started!

We have all started things we didn't finish. You can see it in the partly mowed lawn, the half read book, the unfinished letter, the lifelong marriage that was interrupted by divorce. But praise God what Jesus starts Jesus finishes.

There is an ocean of meaning in this drop of language, and I want to give you several reasons why this is the greatest word that Jesus ever spoke, and why you no longer have to sweat the sin debt.

I. The Pain of Suffering Was Finished

From the time Jesus was born, Jesus lived in the shadow of the cross. He could say with the psalmist, "I have been afflicted and ready to die from my youth." (Ps. 88:15) Remember, Jesus grew up in a carpenter's home.

Every piece of wood reminded him of that old rugged cross. Every time he saw Joseph hit a nail with a hammer, He was reminded of the hammer that would drive the nails through his hands and feet. Every time He went to the temple and saw those animal sacrifices, He was reminded that He was the Lamb slain before the foundation of this world.

His life was filled with suffering. There was the social suffering of being rejected by his own family and his own nation. There was the physical suffering of crucifixion, perhaps the cruelest form of punishment in the history of the world. There was the spiritual suffering of bearing the world's sins and being totally separated from His Heavenly Father.

We know He suffered, but we will never know how much He suffered. No meter could measure it, no computer could calculate it, no scale could weigh it.

When He said, "It is finished!" that meant no one will ever again spit in his face; never again will his beard be plucked from his jaws; never again will he be taunted, mocked, or scorned; no crown of thorns will be jammed down upon that precious head; no spear will ever again be thrust into his side; no nail will ever again be driven through his hands. The pain of his suffering was finished.

II. The Prophecy of Scripture Was Finished

There was one thing that Jesus had to know before he would voluntarily give his last breath and lay down his life. He had to know that every prophecy concerning his first coming was fulfilled. That's why we read in v.28, "After this, Jesus, knowing that all things were now accomplished..." The word accomplished is the same Greek word used for the words "it is finished!" in v.30. Every arrowhead prophecy of his first coming had found its bull's-eye in the heart of the Lord Jesus Christ. Everything the Old Testament Scripture had said about his birth, his life, and his death, whether in promise, picture, poetry, or prophecy, had been fulfilled.

Before Jesus died on the cross, He had said to the disciples, "Behold, we are going up to Jerusalem, and all things that are written by the prophets concerning the Son of Man will be accomplished." (Lk. 18:31) Again, the word accomplished is the same word Jesus used when He said, "It is finished!"

But then after the cross He said to the disciples in Lk. 24:44, "These are the words which I spoke to you while I was still with you, that all things must be fulfilled which were written in the Law of Moses and the Prophets, and the Psalms concerning Me." And all things were fulfilled.

Not one stone was left unturned, not one step was untaken, not one standard was unmet, not one statement was unfulfilled. From the place of his birth, to the purity of his life, to the picture of his death, every prophecy had become a reality. Every picture had become a fact, every prediction had become truth in the Lord Jesus Christ.

III. The Payment for Sin Was Finished

On 43rd Street in New York City there is a 25 x 10 sign that has become both a fixture and a tourist attraction in downtown Manhattan. It is called the National Debt Clock. It was designed by a real estate developer named Seymour Durst in 1989 when the debt was $2.7 trillion. It is now flashing the staggering total of $5 trillion.

Each family's share of the debt has increased from $42,000 to more than $64,000, and the national debt is now increasing $10,000 a second. The question is now being raised by many as to whether this debt, the largest national debt in the history of the world, will ever be paid off.[1]

In the garden of Eden another debt clock began to run the sin debt clock. The human race is a world of sinners in debt to a holy God. We have broken God's law, and we are spiritually and morally bankrupt.

Now there are two problems with this debt. First of all, God never writes off a bad debt; He demands full payment.

But the second problem is just as great. You cannot file Chapter 11 with God. That is compounded by the fact that you cannot pay off the debt. For you do not have the payment God expects for the debt to be paid in full.

Thank God that is where the Lord Jesus comes in. Jesus came into the world to pay a debt He did not owe, in order that we might be relieved of a debt we could not pay.

The Greek word that Jesus used is tetelestai. What does that word really mean? Back in this time in the Roman government, Roman law said that when a man was brought before a judge for a crime, the judge could adjudicate this man as either guilty or innocent. If the man was guilty then the judge would prescribe the sentence and would write out a piece of paper called a Certificate of debt.

On one side of that piece of paper would be the crime that the man had committed. On the other side was the penalty that the crime incurred. If that man was put into prison this Certificate of Debt would be nailed to his prison door. Anybody who wanted to could come by and read it. They could see what this man had done and what he was having to pay for his crime.

Now when this man had paid to the uttermost; that is, when he had done his time, or, when someone had come and paid his fine, they would then come and write on that particular Certificate of Debt this word tetelestai, meaning "Paid in full."

They would then take the certificate off the door, roll the certificate up, and give it to the prisoner. This was his proof that the full demands of the law had been met. He had suffered, he had paid in full, and he was never again to be brought into double jeopardy and tried for that crime again.

That is the word that Jesus used on the cross when he said, "It is finished!" What He literally said was "Paid in full!"

The devil does not want you to know your sin debt has been paid in full. He wants you to continue to go to the bank of guilt and make a payment on the mortgage of sin.

Dr. Harry Ironside used to tell about a young man who was a soldier in the Russian army. This young man's father was a friend of the Czar, Nicholas I. Because of this, he had been given a very responsible post. It was his job to see that the right amount of money was distributed each month to the soldiers in his barrack.

Unfortunately, the young man's character was not the same as his name. He took to gambling. Eventually he fell heavily into debt and began to gamble not only his own money away, but a great deal of the government's money.

Well, in due time, the young man received noticed that a representative of the Czar was coming to check all of the accounts and to make sure the books would balance. He knew he was in trouble. That night he got out the books and totaled everything that he owed, and he went to his safe and got out his own small amount of money. As he sat there and looked at his small amount of money and the great debt on the books, he knew he would be disgraced.

The young man determined he was going to take his life. He pulled out his revolver, placed it on the table, and wrote a letter telling of all the wrong doings he had done. At the bottom of the ledger where he had totaled his illegal borrowings, he wrote, "This is too great a debt, who could possibly pay it?"

He decided at midnight he would die. As the evening wore on he grew drowsy and eventually he fell asleep. That night the Czar himself, Nicholas I, had decided to pay a visit to the son of his good friend. Seeing a light, he stopped, looked in and saw the young man sound asleep. He recognized him immediately and started to speak to him, but then saw the ledger and read the note and realized all that had taken place.

He was about to awaken the young man and arrest him when his eye fastened on that young man's message: "This is too great a debt, who could possibly pay it?" Suddenly, with a great surge of kindness, he reached over, wrote one word at the bottom of that ledger and slipped out.

The young man awakened a little while later, glanced at the clock and realized it was long after midnight. He reached for his revolver, but as he did his eye fell upon the ledger. Underneath the words he had written was one word "Nicholas."

The young man was dumbfounded. There had to be a mistake. He went to the safe where material that bore the signature of the Czar was on file. He compared it; sure enough the Czar had signed himself. He said to himself, "The Czar has seen the book, he knows all that I owe, and still he is willing to forgive me."

Well, the young soldier rested on the word of the Czar and the next morning a messenger came from the palace with exactly the amount needed to meet the deficit. Only the Czar could pay that debt, and the Czar did pay that debt.

We don't have a Czar, we have a Savior. When Jesus said "It is finished!" that meant the last drop of blood had been shed. The final price had been paid. The cup of God's wrath had been drained completely dry. The debt of sin had been canceled. The walls of sin had been completely torn down. The gates of heaven had been permanently opened, and you no longer have to sweat the sin debt for Jesus paid it all.

IV. The Plan of Salvation Was Finished

The Greek word tetelestai was a very common word in the days of Jesus. It was used by servants. When a master would order his servant to do something, the servant would go and do the work and come back and say, "Tetelestai It is finished!"

It was used by artists. When an artist was painting a portrait and touched the canvas for the last time, applied the last drop of paint with the last stroke of his brush, he would step back and say, "Tetelestai it is finished!"

Jesus said in Jn 4:34, "My meat is to do the will of Him who sent Me, and to finish His work." Jesus had a work to do; a work that had been given to him in the eons of eternity before the creation of the world. Why did Jesus come into this world? Why was He born a babe in Bethlehem? Why had God become a man? John tells us in I Jn. 3:5, "You know that He was manifested to take away our sins."

In the Old Testament tabernacle there was a lot of furniture, but there was no chair. Because the priest could never sit down. The priest could never sit down because his work was never finished. But praise God, we have a High Priest of whom the Bible says in Heb. 10:12, "After He had offered one sacrifice for sins forever, sat down at the right hand of God."

Jesus not only fulfilled the word of God, He finished the work of God. That is why He could say in Jn. 17:4, "I have glorified You on the earth. I have finished the work which You have given Me to do."

Now when a work is finished, you don't keep working on it, you just enjoy it. Because if you ever work on a finished work it will become unfinished.

A Christian was trying to witness to a friend of his who was a cabinet maker, and explain to him the finished work of Christ. The cabinet maker said, "I just can't see it. I just can't understand it." Finally, an idea came to this soul-winner and he went over to a beautifully French polished table that this man had built. He said, "Is this table finished?" He said, "Absolutely, can't you tell?" The man picked up a plane and approached that table as if he were going to sand it down, and the cabinet maker said, "Stop! Don't you see that is a finished table? If you touch it you will ruin it."

The man said, "That's exactly what I've been trying to tell you about the work of Christ. It was finished when He gave his life for you. If you try to add to it you will only ruin it.

If you try to add church membership, baptism, money, confirmation, catechism, good works, to the work of Jesus Christ, all you will do is ruin it. When a work is finished you don't touch it, all you do is enjoy it.

V. The Power of Satan Was Finished

Jesus was looking ahead to the cross when he said in Jn. 12:31, "Now is the judgment of this world; now the ruler of this world will be cast out." When Jesus said, "It is finished!" He said, "I win" to sin and "you lose" to Satan. For Jesus the cross was sunrise, but for the devil it was sunset.

When Jesus said, "It is finished!" Angels sang, but the demons wept. God smiled with approval while the devil gnashed his teeth. There was silence in hell, but there was celebration in heaven.

Satan's doom was sealed; his defeat was ensured; his demise was guaranteed; his dominion was ended. It was the death of Jesus that gave the death penalty to Satan. For Heb. 2:14 says, "Inasmuch then as the children have partaken of flesh and blood, He Himself likewise shared in the same, that through death He might destroy him who had the power of death, that is, the devil." Everything that I have mentioned to you in this message was wrapped up in the greatest word Jesus ever spoke: tetelestai "It is finished!"

Back in the early days of our country men dreamed about a railroad that would connect East and West. They dreamed about somehow connecting the shores of the Atlantic with the shores of the Pacific. Well, the dream was conceived and engineers began to make that dream a reality.

They started to lay ribbons of steel called railroad tracks together. They started from the West and they started from the East; closer and closer they crept until finally they came to a point where at New Mexico and Arizona those ribbons of steel would meet.

They had a great ceremony. Both of the governors of those states came together. One had a silver hammer, the other had a golden spike; the last spike that would complete that link. With great pomp and ceremony, one of the governor's took that silver hammer, and while the other governor held it, drove that golden spike into that rail. When it was cinched up, and the rails were connected, the people gave a shout and applauded. A wireless message was sent over a telegraph back to Washington saying, "It is finished. East and West have been reconciled and brought together."

2,000 years ago at Calvary another spike was driven. It wasn't a golden spike, it was just a rusty nail. Another hammer was used, but it was not a silver hammer, it was just a Roman club. The only gold that was there was the gold of his blood; the only silver that was there was the silver of his tears. But the Lord Jesus Christ took Holy God with one hand, sinful man with the other, joined the two together and said, "It is finished!" Jesus let us know, once and for all, you don't have to sweat the sin debt it has been paid in full!

Lifted up was He to die,
"It is finished," was His cry;
Now in heav'n exalted high,
Hallelujah! What a Savior!


[1] The Charlotte Observer, "The Debt Clock continues to Tick out in creator's warning", May 28, 1985.

ChristianGlobe Networks, Inc., Collected Sermons, by James Merritt