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David J. Dunn, PhD

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Dave Ramsey's Deism and the Economics of Jubilee

Posted: 12/01/11 11:20 AM ET

Even though the Christian financial "guru" Dave Ramsey claims not to understand Occupy Wall Street, he does know why protesters (and by extension most Americans) want to raise taxes on the wealthy: We are sinners. "At the core of this demand [to raise taxes]," he says, "is envy."

This judgment is not just offensive and wrong (see my last post) but sadly ironic: Dave Ramsey tells people to bring the Bible to their personal finances, so he should know that God's economy is all about (what he scornfully calls) "wealth redistribution."

Being a theologian, I could talk about how sharing in the life of the Trinity obligates us to share our lives with others, but another excuse to "spiritualize" our wallets is the last thing we need. I am also tempted to "tear apart" Ramsey's caricature of the "Occupy" movement (it may truly be one of the finest examples of a "straw man fallacy" I have ever seen). But I respect Dave Ramsey as a fellow Christian and a person who has helped free thousands of families from crushing debt. (He does "God's work.") Therefore I will focus on the practical, theological root of his economic "heresy."

Ramsey says, "When someone takes my money and gives me no say in the matter, that's called theft -- whether they're using a gun or the government." Though this statement begs the question and shows a desperate need to Google "social contract," it is most troublesome because of its exclusionary theology of property. Or as toddlers say, "Mine!" This doctrine does not come from Ramsey's Christian faith.

Exclusionary property rights require Deism. Deists in the 17th and 18th centuries compared God to a watchmaker: God designed the universe, wound it up, then went on vacation until the end of infinity. They said divine hands never dirtied themselves with human affairs.

Prior to Deism, "The earth ... and all its fullness" belonged to God (Psalms 24:1), and people had inherent worth because they bore the divine image (naturally, I am simplifying the history quite a bit). That changed when this mechanistic metaphor took over. British policymakers "privatized" common land that had sustained families for generations, and they used the threat of starvation (allegedly God's way of discouraging laziness) to grow the modern labor market.

When everything is a "gear" or "cog" in a large machine, nature can become a private commodity and a person's value can be judged by her productive capacity.

The biblical God -- the God with dirty hands -- does not tolerate such policies.

If we are truly the possessions of a loving God (Leviticus 25:23), then rights must be regulated by needs. In contrast to the deistic view Leviticus 25 (the closest thing the Bible offers to a clear economic "policy") presents a more "open" theology of people and property. That is why this chapter gives more rights to the poor than the rich, saying that a person who falls into poverty, and sells his property to survive, has the right to buy it back at any time (with some exceptions). Or a relative may but it back for him.

This "policy" does not exactly qualify as what Ramsey calls "theft" (yet) but it does not support his deistic concept of exclusionary property, either. If Ramsey says nobody has a right to take his "stuff," then I assume he believes nobody has a right to make him sell it, either. Though he agrees that everything we have comes from God, which is why he rightly stresses private giving, he sadly fails to let that belief get in the way of his laissez faire economics. Otherwise he might not be so quick to condemn progressive tax reform.

What Ramsey calls "wealth redistribution" the Bible calls "Jubilee." That same chapter goes on to prescribe an economic "Sabbath" to take place every 50 years. The most prominent feature of this Jubilee year is the requirement that all property be returned to its original owners. Thus, twice a century God would "level the playing field" between the rich (who had accumulated property) and the poor (who had lost it). This kept the poor from ever becoming too poor, and the rich too rich, over multiple generations.

Ramsey might say the Jubilee is impractical or that Christians are not obligated to follow the Old Testament. But he misses the point. Christians believe all Scripture offers insight into the mind of God, and the Jubilee suggests that God and Dave Ramsey are of two minds about "wealth redistribution."

Besides, the economics of Jubilee do appear in the New Testament as the "kingdom of God." Those three little words make us modern people think of "heaven" (with puffy white clouds and possibly harps), but it was a technical, theological term for Jesus and his fellow Jews. The kingdom of God meant social and especially economic justice.

Prophets like Amos (4-5) and Isaiah (59-66) proclaimed a day of judgment on those who oppressed the poor, which would also be a day of feasting for their victims. Or as Jesus' mother sang (Luke 1:52-53),

"[God] has put down the mighty from their thrones,
And exalted the lowly.
He has filled the hungry with good things,
And the rich He has sent away empty."

Jesus' audience "marveled" when he proclaimed "good news" for the poor (Luke 4:18, 22) and (some scholars think) maybe even a new Jubilee (v. 19), words he later elaborated on, saying, "Blessed are you poor, For yours is the kingdom of God ... But woe to you who are rich, For you have received your consolation" (6:20, 24). It takes some spry intellectual gymnastics to make those words not mean "wealth redistribution."

The kingdom has not come, but Mary did not praise a God who "will put down," nor did Jesus say, "Tomorrow, this Scripture will be fulfilled..." (see Luke 4:21). The Bible assumes that God's kingdom has begun in Christ Jesus. Thus, the social and economic reordering he proclaimed should already be happening.

It also indicates that what our word "heaven" means -- the kingdom of God -- looks a lot like Dave Ramsey's economic hell.

Someone who truly believes God's kingdom is a place where the "first will be last, and the last first" (Matt 19:30) should think twice before implying people who do not agree with him are sinners. Some of us are his sisters and brothers. Many Christians want to see higher taxes for the rich because the mission of the church is not "private." We must "lean" into our future hope -- the hope of social justice and wealth redistribution far more radical than anything Occupy Wall Street has demanded -- working toward the economics Jubilee as if the kingdom of God were already among us (Luke 17:21). Because it is.

 

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11:03 AM on 12/11/2011
I'll put money on you and Ramsey agreeing on the redistribution of wealth. Isn't the issue here whether or not the government should be in control of the process? So, the real questions become...should the kingdom of darkness be involved in the work of the Kingdom of God? Should we try to work the Kingdom of God through the kingdom of darkness? Well, we know they don't have any fellowship with one another and they are completely opposite, so....
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
06:50 AM on 12/19/2011
Actually, you are right about Ramsey's stress on a kind of radical giving. I applaud him for that (though theologically speaking the way he articulates it sounds a lot like the second temptation of Christ). I guess I am just as scared of "big business" as I am of "big government." I certainly would not identify the federal government with "the kingdom of darkness." There is no theological basis for that, especially since it is so Manichean.
09:49 AM on 12/20/2011
"I certainly would not identify the federal government with the kingdom of darkness."

Which kingdom is the federal government a part of? The kingdom of light? There is no theological basis for a kingdom of the "in-between" right?
05:01 AM on 12/07/2011
I can follow most of what you say, David, but I question the conclusion...

"We must "lean" into our future hope -- the hope of social justice and wealth redistribution far more radical than anything Occupy Wall Street has demanded..."

Correct me if I'm wrong, but the "we" you are referring to seems to mean the Church forcing itself upon a political system that doesn't have the same mission as the Church. I'm all for the Church taking up the responsibility to seek social justice, feed the poor, and being radical with our finances for God's Kingdom. However, if you are implying that we should use our votes to force others to pay for our Kingdom values against their will, I'd have to disagree with that conclusion.

God's Kingdom must come about with the Church humbly leading the way, not the government. The belief that if we have a majority that believe the same values then we can force the minority to do what we want seems like a counter-Kingdom value. Jesus says "love your neighbor as yourself". Would we want our neighbors to vote their values into laws to force us to pay for their programs?

Like I said, I was in harmony with most of your article but got caught on that conclusion! :)

That's the only critique I have. Thanks for posting this. I haven't read many Christian perspectives on Occupy Wall St. or Dave Ramsey. You do a good job of tackling both.
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
05:46 AM on 12/09/2011
I totally agree with the sentiment of this post. There is a way to read what I wrote as suggesting I'm for legislating the kingdom of God into law (see my response to "tipdawg20" below). I think what I'm calling for is a little less scary.

You ask, "Would we want our neighbors to vote their values into laws to force us to pay for their programs?" To which I ask, "Isn't this what everybody does?"

The classical idea of "liberalism" (in a non-pejorative sense of the term) is that our private beliefs should be, well, private. John Kerry expressed this sentiment about stem cell research a few years back when asked about how his Catholicism informs his decisions.

Dave Ramsey definitely votes his values. What I am saying is that he and his fans (and I consider myself kind of a fan, actually), should take a minute to ask if their values reflect the values of their faith – the love of neighbor, for instance, you are talking about – or doctrinaire free-market talking points.

The church, after all, is not fundamentally an institution but the people in it.
04:55 AM on 12/10/2011
I like classical "liberalism" as private beliefs kept private. There may be some overlap with the thoughts below.

In response to your question I think you'd agree that just because everybody else tries to legislate their values doesn't mean it justifies whether we as Christians should or shouldn't. What I meant by "kingdom values" may be better defined as "non-government role values".

One of Jesus' most quoted lines about taxation is "Render to Caesar what is Caesar's & God what is God's." Romans were free of welfare until Trajan in 98 CE. Roman Kingdom values were in stark contrast to the Kingdom of God, perhaps why Jesus used that radical metaphor.

One could argue from a biblical perspective that our faith values should influence what we give to The Church & not what we give the government (give to God what is God's). For me there is a separation & my "vote" is to give God's money to God's Church or a cause that is a good steward. The other side is the role of government. We have a Constitution that tells us the answer to that. In the same way, we have God's revelation through the Bible/Christ/Holy Spirit telling us the role of the Church. I don't see the government thriving in social justice on behalf of the Church. Things become too big & too impersonal. Social justice may be better served by investing into local churches, non-profits, & social entrepreneurs who care immensely about their own communities.
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
06:55 AM on 12/19/2011
Thanks for your polite response. I think we start from two fundamentally different places when it comes to our values and our politics. So in a way we are at an impasse.

I don't know where you stand on these issues, but I will say that a lot of people oppose abortion or the death penalty or war because of their religious values. To allow one's faith to influence anything but economic issues just seems a little inconsistent to me.
09:47 PM on 12/04/2011
I find it interesting that you choose to take the concept of the Jubilee and try to apply it to modern government. Although I agree that the concept of redistribution through government taxes sounds godly and ethical, the truth is taxes taken from the rich are too often not given to the poor. They are instead used to line the pockets of wealthy politicians and those who are fortunate enough to know how to work "the system." Why not argue instead for an increased taxable deduction for charity giving to encourage the rich to voluntarily give away their wealth? Or a law mandating that everyone making over $1 million a year give at least 25% of their income to one of a list of charities proven to be responsible and effective with their money? 200 years ago, the citizens of the United States decided to run a government that kept church and state separate. Please do not re-join the two by using principles taken from the theocratic government of the Old Testament in which God chose who the original land owners were to be, and try to apply them to a democracy run by the people. Although people are well-meaning, they can be extremely flawed no matter which end of the political spectrum they may hail. I'd rather keep my money out of the hands of politicians (Republicans and Democrats) and into the hands of the Salvation Army who supports the poor and deserving much more efficiently.
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
09:07 PM on 12/05/2011
What I am hearing you say is that I am calling for legislating Jubilee when in fact I am saying that it is incumbent up on a Christian for her politics to be transparent to the politics of the kingdom of God.

A lot of Christians try to do this when it comes to things like gay marriage and abortion (though I think most of their approaches are mistaken to sinful). It is hard to see calls to legislate Christian morality on fetuses but not the market as anything but crass hypocrisy.
11:08 AM on 12/06/2011
Well said. I agree that too many Christians cherry pick scripture to match their world view. On the other hand, I believe there is a difference between basic morality and "Christian" living. I believe a non-Christian can argue abortion and the gay lifestyle as immoral separate from scripture. What they base their morality upon is another discussion :-) When it comes to taxes, we don't have much to go on in scripture other than Jubilee as was mentioned and the communal living of the early Christians. In the first case, God determined the appropriate division of land. In the second case, it was a voluntary living arrangement, giving from the heart. Forcing someone to live by this biblical model is in my mind opposed to the point of Acts 2:44-45 and 4:32. It must be willingly entered into. So I go back to the question of how can we increase willful giving from the rich? I think Gates and Buffet have given us the best answer in modern times and it has nothing to do with taxes.
07:32 AM on 12/04/2011
Jesus speaks often about the 'kingdom of God' in the New Testament - in the Beatitudes, & when he answered the question, "Who is the greatest in the kingdom of heaven," calling a child to come to him. Many of his Parables speak about the kingdom; the Parable of the Mustard Seed, the Parable of the Treasure, the Parable of the Vineyard Workers, the Wedding Feast, the Prodigal Son, & the Parable of the Good Samaritan & so on.

My personal favorite is the one where the Pharisees ask him about when the kingdom of God is coming.

Jesus answered, "The kingdom of God is not coming with things that can be observed; nor will they say, "Look, here it is!" or "There it is!" For, in fact the kingdom of God is among you."

Then, when his followers asked him the same thing, "When will the kingdom come?"

Jesus answered, "It will not come by watching for it, It will not be said "Look, here it is!" or "Look, there it is!" Rather, the father's kingdom is spread out upon the earth, & people do not see it."

Thank & respect Dr. Dunn - maybe more people will see it upon reading your article.
04:18 PM on 12/02/2011
Dave Ramsey claims he does know why Americans want to raise taxes on the wealthy...at the core of this demand he says is envy. Perchance Mr Ramsey is guilty of Freudian projection. At the core of this demand I see: necessity...if a few have pretty much all the marbles, the game pretty much comes to a stop. Like the board game monopoly the ultimate goal of capitalism is to take it all. The government at society's request disperses the wealth to the benefit of all, leaving just enough for the big players to maintain interest in the game...but if they don't, well, they can be replaced. We need to move beyond the greedy colonial mentality of grab and let the devil take the hindmost, to a national self interest in building up the larger community.
01:12 PM on 12/02/2011
I tend to agree more so with your understanding of economics within the kingdom of God. I think that Ramsey does good work, but in many ways he lacks a kingdom perspective and gives the same financial advice one can get from a non-christian adviser. The only difference is he adds tithing.

However, in your article you take issue with him accusing those he disagrees with as being "sinners". Below is a sentence from your blog on gay marriage. Aren't you guilty of the same thing?

"Their efforts, which reveal a fundamental misunderstanding of the nature of marriage, are misguided at best and sinful at worst."
04:24 PM on 12/02/2011
St Paul instructs if a Christian feels obligation to keep one part of the law (tithing) that same Christian is returned to the necessity of keeping all the law (including jubilees). There was the same sort of blindered approach in the past to slavery...yes, it was approved in the law, but then the slave holders forgot all about the seven year limitation. It's just cherry picking in the Scriptures...to accommodate one's own convenience.
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
06:00 PM on 12/02/2011
Yeah, but I was right and Dave Ramsey is wrong. (-;

In all seriousness, I meant what I said. He should "think twice" about it. I do not necessarily have a problem with someone pointing to sin when she thinks she sees it. However, in my mind there is a big difference between calling someone's "efforts" sinful versus presuming that their motives are sinful. That's what Ramsey did when he said people who think as I do are motivated by envy. Calling an effort or act sinful leaves open the possibility that someone has good motives, but is misinformed (which is what I think about Ramsey). The other suggests someone is just a bad person and therefore shouldn't be taken seriously.
11:46 AM on 12/02/2011
Thanks for the thoughtful article. For far too long Ramsey has gone unchecked by followers of Jesus in America. Honestly, I am overcome by the goodness of your article. While declaring the kingdom of God is sometimes difficult, it's always filled with goodness.
Grace & Peace.
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Susie Ries Barnes
09:10 PM on 12/01/2011
No one mentioned the early church. In Acts, it says that they held all things in common. The apostle Stephen was appointed as someone whose principle job was to make sure the widows and orphans were taken care of. Then there's the story of Anias and Sapphira who lied to the Holy Spirit about money.

Dave Ramsey no longer serves the community of people who are trying to get their heads above water. He serves himself. God will walk away from that guy.
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
05:55 AM on 12/02/2011
Susie, I tried so very hard to insert a couple of sentences about those very points into early drafts of this post! I completely agree with you! In my opinion, Ananias and Sapphira were not struck dead for the spiritual equivalent of lying on their tax returns, but for failing to embody the future hope of the church – God's kingdom – in the present.

It reminds me very much of the story of the onion from Dostoevsky's _The Brother's Karamazov_. Have you read it?

The only thing I would say is that two reasonable people can disagree. Obviously, I think Dave Ramsey is very, very wrong when it comes to the way he fails to let his faith shape his politics. In my opinion, he gets it backwards. I actually struggled for quite a while to write this because I found myself picking apart every little thing he says. Ramsey is not a very good thinker, for whatever that is worth. Like William James (allegedly) said, What most people call thinking is really just rearranging their prejudices. Ramsey fits that description quite nicely, and this will probably only get worse as more and more people heap praises upon him. (St. Augustine warned us about this.)

On the other hand, God uses people who are wrong, and I do believe that despite his very flawed ideology, Ramsey has put together a brilliant kind of "folk economics" when it comes to personal finance. He really does deserve credit there.
07:47 AM on 12/04/2011
I like what The Gospel of Thomas says about the kingdom:

"Jesus said, if your leaders say to you, "Look, the kingdom is in heaven," then the birds of heaven will precede you. If they say to you, "It is in the sea, then the fish will precede you. Rather, the kingdom is inside & it is outside you."

Also this, from the Gospel of Thomas:

"He said to them, "You examine the face of heaven & earth, but you have not come to know the one who is in your presence,

& you do not know how to examine this moment."

The Gospel of Thomas:
http://www.gnosis.org/naghamm/nhl_thomas.htm
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Christopher Hull
Democratic Socialist
03:58 PM on 12/01/2011
Being an atheist I probably don't have much right to say much about Dave Ramsey. But I will anyway. Even from my rudimentary understanding of the Bible taxes are not "stealing." What happened to whole "Render unto Cesar that which is Cesars?" Or what about the parable about if a Roman soldier asks you to carry his goods for one mile instead carry them for two? In other words, if government asks you to do something for the poor or to make society better you should double that. Of your own free will.
But obviously the "church" has vested so much of its capital into "chasing the money" that they no longer are christian by any liberal definition. Mercenary, grave robbing, nursing home preying vultures, yes. But not Christian.
If there is a God to Hell with them.
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David J. Dunn, PhD
Eastern Orthodox Christian; lay theologian.
06:00 AM on 12/02/2011
I just commented about Dostoevsky, which I guess is why your comment is reminding me about a conversation Ivan had with Alexy in a French restaurant. I believe the chapter is called "Rebellion." As an atheist, it is something you should read if you haven't already (it is, by far, one of the most challenging arguments I have heard against God so far).

You say, "In other words, if government asks you to do something for the poor or to make society better you should double that. Of your own free will." Brilliant! I couldn't agree more!

Let me also add that Ramsey really does not get the idea of social contract when he calls taxes theft. Total assent is not required for a policy to become law. If "we the people" decide that some members of our society are obligated to contribute more than other members, that is not called "theft." It's called democracy!
07:52 AM on 12/04/2011
Apparently Ramsey gets his ideas about 'social contract' & 'taxes are theft' from modern day Libertarian thoughtviews.
03:31 PM on 12/01/2011
Thank you very much for this article.
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Godfearing
Get Ready For NRA Takeover!
01:26 PM on 12/01/2011
The never ending question to all those Christians who have become billionaires and millionaires, is that "eye of neadle" passage just el toro pu pu?
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JohnFromCensornati
Free your mind and your ass will follow.
12:24 PM on 12/01/2011
Picking and choosing from the Big Book of Multiple Choice.
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frank day
Obama cares about all of U.S.
12:11 PM on 12/01/2011
I've listened to Dave Ramsey since he first came on the air.

His recent political rants have driven me away.

I am no longer a fan.