Chuck Bentley Answers: How Do I Get Out of Debt?

Dear Chuck,

I am working hard to be better with money. What’s your best tip for getting out of debt?

Debt Free in Three 

Dear Debt Free in Three,

I am excited that you have a goal to be debt free. I am hoping that your phrase “debt free in three” is a three year goal—or maybe even less—to pay off your debt. What I want to address is your first comment about wanting to become better with money.

Stewarding involves the heart and what we believe about God.

If all we ever do at Crown is get people on a budget, out of debt, or to have more savings in the bank, then we’ve failed because fixing our money problems is not the goal—our hearts need to be changed.

People can retire as millionaires and die as billionaires. But, unless they turn to God for the forgiveness of sins and the gift of new life, they will remain paupers—eternally separated from Jesus Christ.

How To Know the Lord 

Man’s relationship with God was broken when Adam disobeyed the Lord. The guilt had to be punished; the debt had to be paid. In the Old Testament, Passover and sacrifices foreshadowed a future event in which God provided the perfect sacrifice, a Lamb without blemish—His only Son.

Jesus is God’s gift to us. We can’t earn salvation. We don’t deserve it. We can only receive it by humbly trusting the Lord and His grace.

“If we confess our sins, he is faithful and just and will forgive us our sins and cleanse us from all unrighteousness.” (1 John 1:9 ESV)

“If you declare with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.” (Romans 10:9 ESV)

Our goal is not simply to help you get out of debt and on a budget. Our goal is to lead you to God so that you can know Him as Lord and Savior. Stewardship is born out of this relationship. When you know Him, you then want to obey what He teaches about finances.

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SOURCE:, Chuck Bentley

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