Shining Light Baptist Church

Shining Light Baptist Church Listen to Pastor Murphys messages on FaithLife.com under SLBCofDanville.

Weekly Devotionals - September 14-18 - Weekly Devotionals - September 14-18click the blue heading to download the devoti...
09/12/2026

Weekly Devotionals - September 14-18 - Weekly Devotionals - September 14-18
click the blue heading to download the devotional in Word


Monday: God Never Takes a Step Backward
Jane Christian smiled as she watched John teach from the pulpit. This had not been the plan for Sunday morning. Their pastor had become sick and, with very little notice, had asked John to fill in for him. As one of the church’s teaching elders, John was accustomed to teaching God’s Word, but Jane knew how nervous he had been about stepping in with so little time to prepare. She could hardly see that nervousness now. As John explained the Scripture, his voice grew stronger and his hands began to move more. Jane knew that look. John had forgotten to be nervous. “God Never Takes a Step Backward!” John said again, and Jane smiled. He was definitely enjoying himself now.

John reminded the church of a familiar saying: “One step forward, two steps backward.” Everyone understood the frustration of working hard at something only to feel further behind than when they started. “But that has never happened to God,” John explained. Nothing has ever set God or His plans back. John reminded them of the Bible Storyline they had been learning together. The Bible’s Storyline is God’s Unstoppable Plan to overcome evil, restore creation, and establish His Kingdom on earth. Unstoppable means more than God will eventually win after suffering setbacks along the way. God has never suffered a setback. Satan has never forced God to retreat, regroup, or change His purpose.

John turned to Isaiah 46 and read God’s declaration: “My counsel shall stand, and I will do all my pleasure.” Then he emphasized the end of verse 11: “I have purposed it, I will also do it.” Jane thought about everything the church had already studied in the Bible Storyline. Satan rebelled against God. Adam and Eve sinned. Cain murdered Abel. The earth became filled with wickedness and violence before the Flood. Each event could appear to be another victory for Satan’s kingdom, but none of them moved God backward. God continued moving His plan forward. Jane looked toward Beth and Ben as they listened closely. She hoped they understood what their dad was so passionately teaching. Satan has never gained enough ground to make God take even one step backward.
What Scripture Says
Isaiah 46:10–11 says, “My counsel shall stand, and I will do all my pleasure.… yea, I have spoken it, I will also bring it to pass; I have purposed it, I will also do it.” God has a purpose that He will accomplish. No act of Satan, decision of mankind, nation, ruler, or event in history can prevent God from fulfilling His plan. Satan may rebel and people may resist, but God keeps moving His unstoppable plan forward. God Never Takes a Step Backward!
Tuesday: The Rebellion at Babel
Beth Christian always enjoyed hearing her dad teach, but she especially enjoyed watching him when he became passionate about what he was teaching. By the time John reached Genesis 11, any nervousness he had felt about filling in for Pastor was long gone. Beth had heard the story of the Tower of Babel many times, but her dad was connecting it to everything their church had been learning in the Bible Storyline. After the Flood, God commanded Noah and his sons to “Be fruitful, and multiply, and replenish the earth.” John reminded the church that replenish means to fill, make full, or occupy the whole. God was continuing His purpose for mankind to fill the earth with His image. Then John read Genesis 11:4. The people said, “Let us build us a city and a tower... lest we be scattered abroad upon the face of the whole earth.” Beth immediately saw the problem. God had commanded mankind to fill the earth, but these people had decided to stay together in one place. John explained that Babel was another organized rebellion against God. The people believed their unity and strength in numbers would enable them to resist what God had commanded. Together they would build their city, establish their own way of life, and prevent themselves from being scattered across the earth. Then John stopped and looked across the congregation. Beth knew what was coming. “Time out!” he said. She smiled because her dad had reached one of those places where he could hardly believe what he was reading. “Did these people learn nothing from history?” John asked. Satan had rebelled against God and failed. Satan had deceived Adam and Eve, but God immediately promised that the seed of the woman would crush the serpent. The earth had become filled with sin and violence, but God sent the Flood, preserved Noah’s family, and continued His plan. Now the people at Babel seemed to believe that if they worked together, they could succeed where every previous rebellion had failed.
What Scripture Says
Genesis 11:4 says, “Let us build us a city and a tower... lest we be scattered abroad upon the face of the whole earth.” The people at Babel deliberately resisted God’s command to fill the earth. Humanly speaking, they were united, determined, and confident. Yet their rebellion never threatened God’s purpose.
Wednesday: Make Us A Name
Ben was still smiling about Beth’s comment when John returned to Genesis 11:4. This time he emphasized another part of the people’s plan: “Let us make us a name.” Ben had always thought the Tower of Babel was mainly about people building a tower that was too tall, but his dad was showing him that the real problem was much deeper. The people wanted to resist God’s command to scatter across the earth, and they wanted to build something so impressive that their own name would be remembered. John explained that they wanted fame, honor, and a reputation that would continue long after they were gone. Ben thought about how different that was from God’s purpose for mankind. God created people in His image and commanded them to fill the earth. Mankind was supposed to spread God’s image and glory throughout His creation. Instead, the people at Babel wanted to spread their own glory. They were essentially saying, “Look at what we can build. Look at what we can accomplish. Remember us.” Ben had never connected the desire to “make us a name” with being created in God’s image before. The people were using what God had given them to make themselves great instead of using their lives to make God known. John smiled as he pointed out the irony. “They wanted to make a name that would be remembered for generations, and they certainly did!” A few people in the congregation laughed. “But they are not remembered for the reason they wanted to be remembered.” Their great city became a monument to their great failure. Ben leaned toward Beth and whispered, “I’m pretty sure that wasn’t the legacy they were going for.” Beth tried not to laugh while John continued teaching. Ben’s smile faded as he realized how easily the same desire could appear in his own life. A person did not have to build a tower to live for their own name. People still wanted others to notice what they accomplished, admire what they possessed, and remember how important they were. Babel showed where that desire leads. God created people to reflect His image and live for His glory, and no accomplishment could be greater than fulfilling the purpose of the One who created them.
What Scripture Says
Genesis 11:4 says, “Let us make us a name, lest we be scattered abroad upon the face of the whole earth.” The people at Babel wanted their own greatness remembered, but God created mankind to bear His image and bring glory to Him. Our lives should make God known rather than make ourselves great. The greatest name is not ours. Philippians 2:9 says that God has given Jesus “a name which is above every name.”
Thursday: God Never Lost Control
John’s mother sat quietly listening as her son continued teaching. She had known him long before he was a teaching elder standing behind a pulpit. She remembered him as a boy learning Bible stories in Sunday School, and the Tower of Babel had certainly been one of them. Now she was listening as John connected that familiar story to the entire Bible Storyline. He read Genesis 11:7, where God said, “Go to, let us go down, and there confound their language, that they may not understand one another’s speech.” Then John pointed out how easily God ended the rebellion. The people had gathered together, made their plans, begun their city, and believed their combined strength could keep them from being scattered. God simply changed their languages.

John’s mother smiled as he became even more animated. God did not struggle with Babel. He did not have to gather an army or develop a new plan. By confounding their language, God brought their project to an immediate stop. People could no longer communicate with everyone around them, so they gathered with those they could understand and began spreading across the earth. The very thing they had tried to prevent was exactly what happened. Their rebellion did not move God backward. God used their rebellion as part of moving His plan forward. Then John carried the congregation to the other end of the Bible. Revelation 19 describes the kings and armies of the earth gathering together against Jesus when He returns. Once again, mankind will unite in rebellion against God. John explained that the outcome will be no different. The armies do not slow Jesus down for a single second. He defeats them, establishes His Kingdom, and Satan is bound. Even after Satan is released at the end of the thousand years, Revelation 20 says he will deceive the nations and gather another enormous army against God. Fire comes down from God and destroys them, and Satan is cast into the lake of fire forever. John’s mother thought about the little boy who had once learned these stories one at a time. Now he was showing the church how they all fit together. From Babel to the final rebellion, Satan’s kingdom keeps resisting God, but God’s plan keeps moving forward.
What Scripture Says
Isaiah 14:27 asks, “For the LORD of hosts hath purposed, and who shall disannul it?” Babel could not stop God, and the final armies gathered against Christ will not stop Him. Satan has never forced God to retreat or change His plan. What God has purposed, He will accomplish. God Never Takes a Step Backward!
Friday: The End of the Story
Near the back of the auditorium sat a man who had taught John in Sunday School when John was a boy. He remembered teaching John many of the same Bible stories John had mentioned that morning, but now John was carrying the congregation from Genesis all the way to Revelation. “Some people never learn,” John said with a smile. Babel was not the last time Satan’s kingdom would unite people in an attempt to resist God. Revelation 19 describes the kings and armies of the earth gathering against Jesus when He returns. Humanly speaking, it sounds like an enormous show of strength. Yet their combined armies cannot slow God’s plan for a single second. King Jesus defeats them, Satan is bound, and Jesus reigns on earth for one thousand years. Then John turned to Revelation 20. After the thousand years, Satan will be released and immediately return to what he has always done. He deceives the nations and gathers an enormous army for one final rebellion against God. John’s former teacher smiled when John paused and asked, “Does this sound familiar?” Once again, Satan believes that enough people united together can resist God. The army surrounds God’s people and the beloved city, but there is no great struggle. Fire comes down from God and destroys them. Satan is cast into the lake of fire forever. Evil is finally defeated, creation is restored, and God establishes His eternal Kingdom on earth. The Bible’s Storyline is complete. John closed by asking the church to make three commitments. “Because God never takes a step backward, I will never fear, worry, or fret over world events.” The news may be frightening, nations may rage, and wickedness may appear powerful, but nothing happening in the world can derail God’s plan. “Because God never takes a step backward, I will dedicate myself to the Kingdom of God and reject the kingdom of Satan.” Satan’s kingdom has already lost, so God’s people should give themselves completely to their King. Finally, “Because God never takes a step backward, I will fulfill the Great Commission to make disciples of every people group and nation.” God scattered the nations at Babel, and now His church carries the gospel to those nations. John’s old teacher smiled. Years ago, he had taught these truths to a boy. Now that boy was challenging another generation to build their lives upon them.
What Scripture Says
Satan’s final rebellion will fail just as surely as every rebellion before it. Because we know where the Bible Storyline ends, we can live without fear, give ourselves completely to God’s Kingdom, and faithfully carry the gospel to the nations. God Never Takes a Step Backward! Learn More Here:

"); doc.close(); // 3. Wait for iframe to load and set its height dynamically setTimeout(function() { var fullHeight = doc.body.scrollHeight; $iframe.css("height", fullHeight + "px"); var opt = { margin: 0.5, filename: "sermon-notes.pdf", image: { type: "jpeg", quality: 0.98 }, html2canvas: { scale:...

Living Letters - Chapter 7 - The Bible (August 30, 2026) - Living Letters - Chapter 7 - The Bible (September 13, 2026)Cl...
09/11/2026

Living Letters - Chapter 7 - The Bible (August 30, 2026) - Living Letters - Chapter 7 - The Bible (September 13
, 2026)
Click the Blue Heading to Download Notes

Review
In the previous lesson, we examined discipleship. Other believers invested in our faith, and we now have a responsibility to help others follow Christ.

What role does the Bible play in our Christian legacy?

The Bible teaches us what to believe and how to live. It tells us who God is, why we are sinners, what Jesus did through His death and resurrection, and how we can be saved.

The Bible has been part of every lesson in this series. It taught us the meaning of salvation and baptism. It showed us what should change after we are saved. It gives us the gospel we include in our salvation story. It teaches us how to serve through the church, how to use what God has given us, and how to disciple others.

Someone used the Bible to teach these truths to us. We must know the Bible well enough to teach the same truths clearly and correctly to those who follow us.



LESSON FOCUS

God has preserved His Word so every generation can hear it, understand it, and obey it.


Moses Discipled the Nation with the Scriptures
The book of Deuteronomy records the final period of Moses' leadership. Israel had spent forty years in the wilderness and was camped east of the Jordan River, preparing to enter Canaan. Moses had led the people out of Egypt, received God's law at Sinai, judged their disputes, and taught them how to live as God's people.

Moses would soon die, and Joshua would lead Israel into the promised land. God's enduring Word would continue guiding the nation from one generation to the next.

Moses told the people:

Deuteronomy 6:6–7 — And these words, which I command thee this day, shall be in thine heart: And thou shalt teach them diligently unto thy children, and shalt talk of them when thou sittest in thine house, and when thou walkest by the way, and when thou liest down, and when thou risest up.



God's words were to be in their hearts. They were to know them, value them, and live by them. They were then to teach those words diligently to their children.

God intended parents to teach His commands as part of daily life. Sitting at home, traveling, ending the day, and beginning the next describe the whole course of the day. As children watched their parents make decisions and respond to different situations, they were to hear how God's law guided them. In this way, the next generation would learn God's commands and see how those commands governed real life.

Before his death, Moses prepared Israel to continue learning God's Word. He entrusted the written law to the priests and elders and commanded them to read it publicly at the Feast of Tabernacles every seventh year.

Deuteronomy 31:12–13 — Gather the people together, men, and women, and children, and thy stranger that is within thy gates, that they may hear, and that they may learn, and fear the LORD your God, and observe to do all the words of this law: And that their children, which have not known any thing, may hear, and learn to fear the LORD your God.



This gathering provided regular discipleship for the whole nation. Adults were reminded of God's commands. Children learned who God was and how His people were to live. Strangers living among Israel received that teaching as well. Together they heard God's Word, learned from it, grew in the fear of the Lord, and were taught to obey Him.

Moses discipled Israel with the Scriptures, and that work continued after his death. A Christian legacy does the same. God's Word continues teaching and guiding people after those who first taught it are gone.
A Generation Grew Up Without Knowing the Lord
After Moses died, Joshua led Israel across the Jordan and into Canaan. Joshua and the elders of his generation saw God stop the Jordan River, bring down the walls of Jericho, and give Israel the land He had promised.

Judges 2:7 — And the people served the LORD all the days of Joshua, and all the days of the elders that outlived Joshua, who had seen all the great works of the LORD, that he did for Israel.



After Joshua and those elders died, another generation arose.

Judges 2:10–12 — And also all that generation were gathered unto their fathers: and there arose another generation after them, which knew not the LORD, nor yet the works which he had done for Israel. And the children of Israel did evil in the sight of the LORD, and served Baalim: And they forsook the LORD God of their fathers.



To “know the LORD” meant recognizing Him as Israel's God, trusting what He had revealed, worshiping Him, and living under His commands. The worship of Baalim—the false gods of the people around them—showed where this generation had placed its faith and allegiance.

This began the repeated pattern found throughout Judges. Israel turned to idols, God brought judgment, the people cried out for help, and God raised up a judge to deliver them.

The generation after Joshua had not received the knowledge of God that guided Joshua and the elders. Their idolatry shows what happened when God's truth no longer directed the life of the nation.
Josiah Brought God's Word Back Before the Nation
After the period of the judges, Israel became a kingdom. The kingdom later divided, and Judah became the southern kingdom with Jerusalem as its capital. Many of Judah's kings led the people away from God.

Josiah became king after the idolatrous reigns of his grandfather Manasseh and his father Amon. False worship had spread throughout Judah, and the temple had been neglected.

In the eighteenth year of Josiah's reign, he ordered workers to repair the temple. During the work, Hilkiah the high priest found the book of the law.

2 Kings 22:8 — And Hilkiah the high priest said unto Shaphan the scribe, I have found the book of the law in the house of the LORD.



Shaphan carried the book to Josiah and read it to him.

2 Kings 22:11 — And it came to pass, when the king had heard the words of the book of the law, that he rent his clothes.



Tearing his clothes expressed Josiah's grief and humility. God's law showed him how far Judah had departed from God and how serious their guilt was. Josiah sent men to inquire of the Lord and learn how the nation should respond.

Josiah then gathered Judah's leaders and people at the temple and read God's Word to them. He renewed the covenant before the Lord and led the people to do the same. He removed idols, destroyed places of false worship, ended sinful practices, and restored the Passover according to God's commands.

God's Word corrected Josiah, exposed Judah's sin, and directed the nation's response. Josiah placed the law before the people and led them to repent, remove false worship, and obey what God had commanded.
Ezra Taught the People to Understand God's Word
After Josiah died, later kings again led Judah into sin. Babylon eventually conquered Jerusalem, burned the temple, and carried many of the people into captivity.

Years later, groups of Jewish people returned to Jerusalem and rebuilt the temple. Ezra came to Jerusalem to teach God's law to the returned people.

Ezra 7:10 — For Ezra had prepared his heart to seek the law of the LORD, and to do it, and to teach in Israel statutes and judgments.



Ezra followed a clear order. He studied God's law, obeyed it in his own life, and then taught it to Israel. He lived under the authority of the Word he taught.

Years later, Nehemiah led the rebuilding of Jerusalem's walls. After the walls were completed, the people gathered near the Water Gate and asked Ezra to bring out the book of the law.

Ezra read from morning until midday. Men, women, and everyone old enough to understand listened. The Levites helped the people follow what was being read.

Nehemiah 8:8 — So they read in the book in the law of God distinctly, and gave the sense, and caused them to understand the reading.



The Levites explained the law so the people could understand what God had said and respond to Him. Their work shows an important part of discipleship: faithful teachers make Scripture understandable and help people live by it.
Philip Used Scripture to Preach Jesus
Ezra shows the importance of helping people understand Scripture. Acts 8 shows how Scripture leads people to Jesus Christ.

Centuries after Ezra, an Ethiopian official traveled to Jerusalem to worship. As he returned home, he read from Isaiah 53. The passage described someone who suffered silently and was led like a sheep to the slaughter.

God sent Philip to meet him. Philip heard the man reading and asked, “Understandest thou what thou readest?” The Ethiopian answered, “How can I, except some man should guide me?” He then asked Philip whom Isaiah was describing.

Acts 8:35 — Then Philip opened his mouth, and began at the same scripture, and preached unto him Jesus.



Philip explained how Isaiah's words pointed to Jesus Christ. The Ethiopian heard the gospel, believed, and asked to be baptized. Philip then baptized him.

This connects with Chapter 1. Someone used Scripture to teach us about our sin, the death and resurrection of Jesus Christ, repentance, faith, and baptism. As we disciple others, we follow Philip's example by opening God's Word, explaining its meaning, and showing how it points to Christ.
Mary Jones Received a Bible of Her Own
The history of Scripture continued through people who copied, translated, printed, and distributed the Bible. Their labor brought God's Word within reach of ordinary people in languages they could understand.

In 1800, Mary Jones was a fifteen-year-old girl living in Wales. Her family was poor, and she did not own a Bible. According to the Bible Society's historical account, Mary walked about two miles each week to a farmhouse where she could read a Welsh Bible.

Mary saved money for six years so she could purchase a Bible of her own. She then walked approximately twenty-six miles to Bala, where the minister Thomas Charles supplied her with a Bible.

Mary's experience represented a wider need. Many Welsh people desired Bibles they could read and afford. Thomas Charles brought that need before other Christians. In 1804, he and others helped organize the British and Foreign Bible Society to distribute affordable Bibles in Wales and beyond.

Mary later supported that work herself. In 1854, fifty years after the Society was founded, she contributed to a campaign that sought to send one million New Testaments to China. The girl who once traveled for access to one Bible later helped extend access to people in another part of the world.
Our Access to Scripture Today
Bibles were difficult for Mary Jones and many people of her time to obtain. Today, printed Bibles are widely available in the United States. Scripture can also be read or heard on phones, tablets, and computers. Many Christians own several copies.

The 2026 State of the Bible report shows how Americans use that access. Seventeen percent of Americans surveyed said they had read the entire Bible. Altogether, 50 percent said they had read at least half of the Bible.

Among people who followed a Bible-reading plan, 74 percent said they had read most or all of the Bible. People who regularly engaged with Scripture were also more likely to read complete chapters, keep Bible reading in their schedule, and participate in a Bible study. These habits help readers work through entire books, follow the writer's thought, and understand passages in context. Printed, digital, and audio Bibles give us several practical ways to read and hear Scripture consistently.
The Bible in a Christian Legacy
Generations of people preserved, translated, and printed the Bible, and faithful Christians used it to teach us. Through Scripture, we learned the gospel and how to follow Christ. God's Word shaped the beginning of our Christian lives and continues to guide our beliefs and conduct.

We now use that Word to disciple others. We help people read Scripture in context, understand what God has said, obey Him, and become able to teach His Word faithfully. This is how biblical truth continues from one generation to the next.
Coming Up
God speaks to us through His written Word. In the next chapter, we will examine prayer—how believers speak to God, depend upon Him, and bring the needs of others before Him. Learn More Here:

"); doc.close(); // 3. Wait for iframe to load and set its height dynamically setTimeout(function() { var fullHeight = doc.body.scrollHeight; $iframe.css("height", fullHeight + "px"); var opt = { margin: 0.5, filename: "sermon-notes.pdf", image: { type: "jpeg", quality: 0.98 }, html2canvas: { scale:...

Proverbs - Lesson 19 6.1-11 (September 9, 2026) - Proverbs - Lesson 19 6.1-11 (September 9, 2026)Click Blue Heading To D...
09/08/2026

Proverbs - Lesson 19 6.1-11 (September 9, 2026) - Proverbs - Lesson 19 6.1-11 (September 9, 2026)
Click Blue Heading To Download Notes
PROVERBS
God's Handbook for His Image Bearers
Wednesday Bible Study • Lesson 19 • September 9, 2026
FINANCIAL COMMITMENTS AND WORK ETHIC
Proverbs 6:1–11

God expects His image bearers to help people in genuine need, make financial promises they can faithfully keep, and work to meet their own responsibilities.



REVIEW AND INTRODUCTION



In Proverbs 4, Solomon told his son to guard his heart and ponder the path of his feet. Before making a choice, he should consider where it may lead and how that choice affects his character. Proverbs 5 continued that warning, but specifically addressed sexual choices. Proverbs 6:1-11 applies it to finances and work ethics.

Poor financial choices can destroy what a person has spent years building. A person may lose his home, savings, and financial freedom by making a promise he cannot fulfill. They also may come to poverty by refusing to work and continually expecting someone else to provide for them.

Proverbs 6:1–11 also brings up a subject Christians often struggle to work through. What are our obligations to help someone financially?

A wise person knows when to remove emotions from the decision. Not every situation is equal. Financial needs arise for many different reasons, and evaluating the character of the person in need, as well as the reason for their need is wise.

A person may need help because he has been injured or lost his job. Another may be in trouble because he refuses to work, spends carelessly, or expects his family to rescue him from every poor decision. Both may ask for assistance, but they do not need the same kind of help.

God calls us to be compassionate, generous, faithful to our promises, and responsible for our work.



WARNING AGAINST CO-SIGNING A LOAN — PROVERBS 6:1–5



Proverbs 6:1–5

1 My son, if thou be surety for thy friend, if thou hast stricken thy hand with a stranger,

2 Thou art snared with the words of thy mouth, thou art taken with the words of thy mouth.

3 Do this now, my son, and deliver thyself, when thou art come into the hand of thy friend; go, humble thyself, and make sure thy friend.

4 Give not sleep to thine eyes, nor slumber to thine eyelids.

5 Deliver thyself as a roe from the hand of the hunter, and as a bird from the hand of the fowler.



The word “surety” describes a responsibility similar to cosigning today. A man wants to borrow money, but the creditor will not lend it to him without another person guaranteeing payment. The borrower receives the money and is expected to repay it. If he fails to pay, the cosigner becomes legally responsible for the unpaid debt.

“Striking hands” was the act that confirmed the agreement, much as signing a contract does today. The cosigner did not receive the money or control how it was used, but his own promise made him responsible if the borrower failed to pay.

That promise could cost far more in the ancient world than a damaged credit score. If the debt could not be paid, the creditor could seize personal property or land. A person could also be placed in debtors’ prison and be required to work off the debt. Solomon calls the agreement a snare because the cosigner has put his personal financial security at risk based upon another person’s character and ability to pay.

The cosigner cannot control the circumstances or choices, but the creditor can still require him to pay.

This is why we must think beyond the moment when someone asks for help. The request may come from a person we love, and the need may be real. Our first response may be, “Of course I will help you.” Solomon teaches us to consider what we are actually promising before we give our word.



WHY WOULD WE COSIGN?



Most people cosign a loan because they want to help someone they care about. A family member or friend may want to help someone who has not established credit. Love and compassion are main reasons people consider helping someone financially.

Other pressures can also affect the decision. We may feel guilty because the person says we are his only hope. We may fear that refusing will damage the relationship. Family members may accuse us of being selfish. The borrower may ask for “only a signature” while avoiding questions about his income, spending, or previous debts.

Emotions tell us that the person needs us to help them. A wise person makes the decision from the facts and God’s instruction. He considers why the person needs help, whether the borrower has shown that he keeps his word, whether he has the income to make the payments, and whether the proposed purchase is necessary and affordable.

We should also consider why the lender requires a cosigner. The lender has examined the borrower’s income and credit record and will not accept the risk without someone else who can be required to pay. They also know if the person has a suitable credit history. A wise person should learn the facts instead of allowing emotions such as guilt or pressure to make the decision.

The most important financial question is simple: If the borrower pays nothing, can I pay the entire debt? That question replaces “Do I think he will pay?” with “Am I prepared to pay?”

Modern contracts may make the cosigner responsible for interest, late fees, and collection costs. Missed payments may damage his credit or allow the lender to collect from his wages or bank account. Because agreements differ, a wise person learns what the lender can require before signing.

The Federal Reserve reported in 2026 that only 55 percent of American adults had savings sufficient to cover three months of expenses. Many households are already one job loss, illness, or major repair away from financial trouble. A person who cannot carry his own household through an emergency cannot safely add a debt that belongs to someone else.

God requires us to consider the people who already depend upon us.



1 Timothy 5:8

8 But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel.



If making another person’s payment would jeopardize our own family, it is an unwise step. A wise person considers everyone affected by the decision.



A WISE PERSON HELPS THE POOR



Solomon’s warning does not dismiss our responsibility when someone is in genuine need. God told Israel how to respond to a poor person living among them.



Deuteronomy 15:7–8

7 If there be among you a poor man of one of thy brethren within any of thy gates in thy land which the LORD thy God giveth thee, thou shalt not harden thine heart, nor shut thine hand from thy poor brother:

8 But thou shalt open thine hand wide unto him, and shalt surely lend him sufficient for his need, in that which he wanteth.



God told His people to help the poor. We may decide not to cosign the loan, but we can help in another way.

Taking financial responsibility for another person is not always foolish. At times it is an act of love and ministry that reflects the kindness of God. Jesus illustrated this in the parable of the Good Samaritan. The Samaritan treated the injured man’s wounds, carried him to an inn, and accepted responsibility for the cost of his care.



Luke 10:35

35 And on the morrow when he departed, he took out two pence, and gave them to the host, and said unto him, Take care of him; and whatsoever thou spendest more, when I come again, I will repay thee.



The Samaritan accepted financial responsibility for someone who was unable to care for himself.

Paul made a similar promise when he sent Onesimus back to Philemon. Onesimus had wronged Philemon, and Paul wrote:



Philemon 18–19

18 If he hath wronged thee, or oweth thee ought, put that on mine account;

19 I Paul have written it with mine own hand, I will repay it.



Paul was willing to take the loss himself to help Onesimus. The Good Samaritan and Paul show that accepting a financial obligation for someone else can be a loving and wise choice.

The difference lies in whether we understand the responsibility and are prepared to accept it. The Good Samaritan used what he had to meet a helpless man’s need. Paul knowingly offered to pay a specific obligation for a runaway slave. Cosigning becomes foolish when we allow emotions to lead us, or we put our own finances at risk.

If we decide to cosign after considering the facts, we should do it knowing that the payments may become ours. If we cannot accept that result without anger, blame, or financial ruin, we should not make the promise. We may still find another way to help.



ESCAPING A FOOLISH PROMISE



Solomon next tells his son what to do if he has already made a reckless guarantee: “Do this now, my son, and deliver thyself.” He should humble himself, speak to the people involved, and urgently seek release from the agreement. Solomon compares his escape to a deer fleeing a hunter and a bird escaping a trap. Delay allows the danger to remain.

That instruction does not mean that every person who has cosigned should seek to get out of it. A modern cosigner remains responsible unless the lender releases him or the debt is paid or refinanced. A person who discovers that his promise has placed him in danger should learn what he promised, speak honestly with the borrower and lender, and pursue every lawful way to reduce the danger. If he cannot be released, he must prepare to fulfill the obligation he accepted.

In verse 4, Solomon tells the cosigner:

“Give not sleep to thine eyes, nor slumber to thine eyelids.”

He must act quickly to deal with the financial danger. Solomon now uses sleep to introduce a different problem. The cosigner must not delay taking action, but the sluggard keeps delaying the work he needs to do.



Proverbs 6:6–11

6 Go to the ant, thou sluggard; consider her ways, and be wise:

7 Which having no guide, overseer, or ruler,

8 Provideth her meat in the summer, and gathereth her food in the harvest.

9 How long wilt thou sleep, O sluggard? when wilt thou arise out of thy sleep?

10 Yet a little sleep, a little slumber, a little folding of the hands to sleep:

11 So shall thy poverty come as one that travelleth, and thy want as an armed man.



Solomon tells the sluggard to learn from the ant’s work ethic. The ant does not need someone to force it to work. It gathers food in ahead of time, and is prepared for the winter.

The sluggard keeps putting off work. Each time there is work to do, he wants “a little sleep” first. While he delays, the work remains undone and the needs continue. Eventually, he has nothing because he has not worked.

Solomon’s warning first speaks to our own work ethic. A wise person takes responsibility for his work. He completes what needs to be done, provides for his needs, meets his responsibilities, and prepares for future needs.

This also helps us decide how to respond when someone asks for help. A person who cannot work needs a different response from a person who can work but refuses. The Bible commands us to care for people who cannot provide for themselves. It also says:

Paul addressed this problem in the church at Thessalonica. Some people in the church had stopped working and were depending upon others to feed them.



2 Thessalonians 3:10–13

10 For even when we were with you, this we commanded you, that if any would not work, neither should he eat.

11 For we hear that there are some which walk among you disorderly, working not at all, but are busybodies.

12 Now them that are such we command and exhort by our Lord Jesus Christ, that with quietness they work, and eat their own bread.

13 But ye, brethren, be not weary in well doing.



Paul said, “if any would not work.” These people were able to work but chose not to. The church was not to keep feeding them while they refused to work. Paul told them to return to work and provide their own food.

Verse 13 reminds the church that correcting these people should not make them stop caring for others who genuinely needed help.

We must learn why a person needs help before deciding what help to give. Illness, disability, job loss, or caring for a family member can leave a hardworking person broke. Refusing to keep a job, wasting money, and expecting other people to pay the bills create a different problem. A wise person learns the facts and gives the kind of help the person actually needs.



HELPING AS GOD'S IMAGE BEARERS



God’s character holds both sides of this lesson together. God is compassionate toward people who cannot rescue themselves. He is also faithful in every promise and righteous in everything He does. When we image Him, we do not close our hearts to people in need, make promises we cannot keep, or expect others to carry responsibilities He has given us.

Jesus shows God’s compassion and faithfulness more fully than any financial example can. We owed a debt created by our sin that we could never pay. Jesus knew the full cost before He came. First Peter 2:24 says that He “bare our sins in his own body on the tree.” He paid the penalty we could not pay and gave Himself to save us.

We will never repeat what Christ accomplished as our substitute, but His sacrifice shows us the character we are called to reflect. Godly love sees the person and the need. It learns the facts, considers the cost, protects the responsibilities God has already given, and faithfully provides the help it has promised.

Proverbs 6:1–11 therefore gives us more than a rule about cosigning or a warning against sleeping too late. It teaches us how responsible love behaves. A wise person may give, lend, cosign, offer practical help, or refuse a request that would support continued irresponsibility. He makes that decision from the facts and God’s instruction rather than guilt, pressure, or manipulation.

Before accepting another person’s financial obligation, consider where the promise may lead and whether you are prepared to pay it. Before asking others to carry your needs, consider whether God has given you the ability and responsibility to work. Then help in a way that reflects God’s compassion without abandoning the faithfulness, truth, and responsibility that also belong to His character. Learn More Here:

"); doc.close(); // 3. Wait for iframe to load and set its height dynamically setTimeout(function() { var fullHeight = doc.body.scrollHeight; $iframe.css("height", fullHeight + "px"); var opt = { margin: 0.5, filename: "sermon-notes.pdf", image: { type: "jpeg", quality: 0.98 }, html2canvas: { scale:...

Address

2815 Blairmont Drive
Danville, VA
24540

Opening Hours

Wednesday 2pm - 3pm
7pm - 8pm
Sunday 9:45am - 12:15pm

Alerts

Be the first to know and let us send you an email when Shining Light Baptist Church posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category