Luke 12:13-21 · The Parable of the Rich Fool
Financial Planning
Luke 12:13-21
Sermon
by King Duncan
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A woman who lost her husband several years ago developed a friendship with a man who had also lost his spouse. They seemed a perfect match. All their children agreed they should get married. So a date was set and invitations were sent out. The invitations read like this: “Phil, Richard, Karen, Allison, John, Matt and Steve request the honor of your presence at the marriage of their mother and father. Because they are combining two households, they already have at least two of everything. So please, no presents!  Reception and garage sale immediately following the ceremony.” (1)

We do accumulate a lot of stuff nowadays, don’t we? What will happen to all that stuff when we die?

Jesus was teaching one day and someone in the crowd said to him, “Teacher, tell my brother to divide our father’s inheritance with me.”

Now there is a battle even Jesus didn’t want to get in the middle of. Have you seen how people act when it comes to dividing up estates? Even nice people sometimes go years without speaking to their siblings because one family member got some family heirloom that someone else thought that she should get when mama’s estate was divided. Sometimes these things even go to court. Such things happened in Jesus’ time, too. That is why Jesus said, “Man, who appointed me a judge or an arbiter between you?”

Then Jesus decided to turn this family squabble into a teaching opportunity: He said to them, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”

And he told them this parable: “The ground of a certain rich man yielded an abundant harvest. He thought to himself, ‘What shall I do? I have no place to store my crops.’

“Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain. And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”’

“But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’

“This is how it will be,” Jesus concluded, “with whoever stores up things for themselves but is not rich toward God.”

This is an important parable. And yet, the sad truth is that most of us don’t see ourselves in this story. In our eyes we’re not rich and we’re not foolish. Well, maybe not rich, anyway. Actually we have more in common with the rich fool than any of us would like to admit. There are few of us whose lives are not dominated in one way or another by the pervasive materialism of our age. The desire for bigger houses, nicer cars, a boat, a swimming pool, a large screen television, a camper, new furniture, designer clothes—the list goes on ad infinitum.

Modern advertising is carefully designed to increase our need to acquire. We buy a certain perfume because, after all, “I’m worth it.” Such advertising is even aimed at our children. I suppose it reached its epitome a few years ago with “Cool Shopping Barbie.” If you don’t remember that particular doll, it came with Barbie’s own MasterCard and a cash register with a MasterCard logo on it. It even had a terminal through which Barbie could swipe her card. Of course, MasterCard has always been adept at pushing their product. Who in this room has never heard, “There are some things money can’t buy. For everything else, there’s MasterCard.” And before that, there was the seductive lure of, “I bought my sombrero in Rio de Janeiro  . . . so worldly, so welcome . . . MasterCard.”

Because it hits us where we live, it is difficult to approach the subject of materialism without the risk that many of you will simply tune me out. Many of us already feel guilty about our affluence. We know that most of the world’s people do not live as we do. It bothers us and yet, like the rich young ruler, we don’t want to give up what we have. The last thing we need on a Sunday morning is a moralistic tirade on the sin of affluence.

There is another problem, too. Some of us may not be as affluent as we may appear. One man was asked, “What would you do if you had all the money in the world?”

He replied, “I’d apply it to all my debts as far as it would go.”

Many, many families are in serious financial trouble today. We are told that the average American family operates just three weeks from bankruptcy.

Indeed, one survey by the U.S. Bureau of Labor and Statistics discovered that the average family spends each year $400 more than it earns. Who do we think we are the government?

No wonder that another survey reveals that 70 percent of all our worries these days are about money.

As Adlai Stevenson once put it, “There was a time when a fool and his money were soon parted, but now it happens to everybody.” No wonder it seems like meddling when the pastor feels obligated to talk about money.

There are some principles in the story of the rich fool, however, that are critical to our lives. Like most of the stories that Jesus told, the emphasis here is on practical application. The rich fool had devoted his life to acquiring goods. Now it was time for him to die. What would happen to the goods? Would they go on the auction block? Would they go to ungrateful relatives? What was the point of his life? He thought his wealth had bought security but it could not protect him from the grim reaper. Of what use was it then? Of what ultimate benefit is wealth to us? What is its proper place in our lives?

In the first place, we need to see that the tragic thing about this man’s life was not his wealth but his lack of commitment to anything else in life. There was nothing in the world that he was committed to except making money. All his thoughts, all his energies, all his ambitions had to do with the accumulation of wealth. Now he had come to the place where he had all the money he would ever need. What’s next? Of course more money!  When you get to where you are going, where will you be? The tragedy of this man’s life was not the abundance of his wealth but the poverty of his values. He had counted material success as the greatest goal in his life.

Did you know that the word “success” does not even appear in the Bible? The word is so important in our society. Indeed, for many persons it may be the most important word in their vocabulary. To be a financial success is their chief goal.

Could I challenge you to make a list of the things you are committed to besides making a living? Your family, your community, your church, the American Cancer Society, a scout troop these are some possibilities.

At the same time let me challenge you to make a list of the things you do for your family besides simply supporting them. Do you take time for your spouse, for your children? Patricia Clafford once said, “The work will wait while you show the child the rainbow, but the rainbow won’t wait while you do the work.” What are the ways that you give of yourself, not simply your money, but of yourself to the things you believe in?

What I am trying to do is to help each of us avoid the snare that this rich man fell into of living only for accumulating wealth. Mammon is an insatiable god. There is never enough to satisfy him. And yet Mammon can never give us peace within, only external trappings. Mammon never built a happy family or a loving heart.

Be careful that you are not saying, “Oh, sometime I will have time for these things but first I have a mortgage to pay off, an orthodontist to support, college to save for.” For those whose lives are dominated by wealth who are forever putting off more important things because they are so busy seeking after financial security tomorrow never comes. Make certain that you know what your priorities are. Decide that you will be committed to more than simply making money.

In the second place, it is important for each of us to have a plan by which we manage our resources. I said that many of us have more in common with the rich fool than we might care to admit. Our problem is not money its managing the money we do have. It is amazing how much money goes through our hands in a lifetime. A few years ago the website smartmoney.com reported that the average American will spend $2.9 million in a lifetime if he or she lives to the age of 81. Two point nine million dollars! That’s a lot of money. Of course, most of us let that $2.9 slip right through our fingers.  For many of us the problem is not money; the problem is management.

One man said it is true that money talks. Usually it says good?bye.

If we do not have a plan for the wise management of our financial resources, our money will continually say good?bye to us.

The question that God asked the rich man, “Then whose will these things be?” indicates that the man had made no provision for the disposal of his wealth after his death. It is amazing how many persons never get around to making a will. Probably we don’t like to face the fact that one day we will be leaving this world’s possessions behind. But it is true that we cannot take it with us.

Somebody asked, “I wonder how much money a certain billionaire left at his death?”

A wise friend replied, “He left it all.”

Some day so shall we. Wouldn’t it be smart to make sure that the money we leave behind us will be put to good use?

If we do not plan for the disposal of our earthly possessions when we go to be with God, Uncle Sam will do it for us. Or greedy relatives will take care of the task. It might cause a few family feuds as it did in our lesson for today. Why not sit down and make a plan? That is what a will is a plan for the management of our financial resources when we go to be with God.

Jesus knew the wisdom of good management and good planning. Remember some of his teachings: “No one builds his house upon the sand . . .” And on another occasion, “No one builds a tower without first sitting down and counting the cost . . .”

Jesus wanted his followers to be wise managers of their resources. He wants you and me to have a financial plan for our lives a budget, if you will that we can live within. That is the second principle in the story of the rich fool we need a plan for the management of our resources.

In the third place, it is obvious that the rich fool never discovered the joy of generosity the joy of using his money to bring happiness to other people.

His name is not as well known as that of the Rockefellers, the Vanderbilts or Andrew Carnegie, but once there was an American philanthropist named Dr. Daniel K. Pearson. Daniel Pearson had a lasting impact on colleges throughout this land.

Pearson grew up in poverty. He worked his way through college, living in an attic and cooking his own frugal meals. He was a school teacher, studied medicine, and afterward was a farmer. Later he engaged in the lumber business where he was quite successful. He was blessed with a wife, of whom Dr. Pearson has said, “She wanted me to make money to give it away.”

Pearson had a great knack for making money. But he didn’t keep it. He used it to help young people who were struggling for an education. He provided endowments to forty?seven colleges, particularly in Appalachia.

Here is how he described his life: “I have had more fun than any other rich man alive. They are welcome to their automobiles and yachts. I have discovered that giving is the most exquisite delight in the world. I intend to die penniless.”

And he did. As one biographer said, he died a poor but happy man. By the dawn of the twentieth century Dr. Daniel K. Pearson had given away more than $6,000,000. I can’t even imagine how much that would be in today’s dollars. Pearson knew the joy of living for others. We could truly say that he “laid up his treasure in heaven.”

You and I will probably never have six million dollars to give away, but we can learn the joy of generosity. There are worthy, often wonderful, people who need our help. And we need to give. Not for their good as much as for our own. The rich fool lived only for himself, he never learned the joy of generosity.

And finally Jesus tells us that the rich man was a fool because he neglected his responsibilities to God.

Bruce Larson, in his book Believe And Belong, tells about a very wealthy Christian businessman who was asked back to his church to speak to the Sunday school class he attended long years ago. The children were curious about this man now worth millions and asked him to tell how it all began. He said, “Well, it all began right here in this church. Those were hard times. I was a young man with no job and very poor. We had a guest preacher who said, ‘Give your life and all that you have to Jesus and He will bless you.’ I had $3.54 in my pocket. It was all I had in the world, and I put the whole thing in the plate. I gave my life to the Lord that day and He has blessed me ever since.”

He closed his talk with a time for questions, and the first hand up was that of a little boy in the front row. “Mister,” he said, “Could you do it now?” (2)

Wow! There is the hard question, isn’t it? It’s easy to trust your resources to God when they total $3.54, but it is different when you have millions. Perhaps that is why Jesus so often warned against the danger of wealth. On the basis of disposable income, it ought to be easier to tithe when you make $80,000 a year, than when you make $20,000 a year. But somehow it doesn’t work that way, does it? Somewhere along the way our money quits serving us and we begin serving it. “Thou fool,” says Jesus. Learn from this rich man that there is no lasting security in wealth. Take to heart these four principles:

  1. Make sure that you are committed to more than just making a living.
  2. Have a plan for the management of your financial resources for both now and when you go to be with God.
  3. Learn the joy of generosity. Find persons with whom you can share. You will find that it IS more blessed to give than to receive.
  4. Finally, when you are making your financial plan, begin with your responsibilities to God.

“What does it profit a man,” Jesus asked, “if he gains the whole world and loses his soul?”

Amen.


1. Top Greetings. Cited in WITandWISDOM(tm)

2. (Waco: Word Books).

ChristianGlobe Networks, Inc., Dynamic Preaching Third Quarter 2013, by King Duncan