The Audience Matters: Introducing You to the Ideal MH4C Reader (New Series)

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It’s time once again for a series of posts.

Most blogs (including this one) are composed of a series of ‘thoughts of the day’. The disadvantage to you, the reader, is that you miss out on the opportunity to fully grasp the author’s full overview of money in a succinct and connected fashion.

That’s why I’ve focused on writing books. A newbie can read one of my books and get a better idea of what I think about money than a person who reads my blog for a month.

In order to help all of you get a solid idea of what MH4C teaches about money, I’m going to be publishing a series of articles over the next two weeks.

The Exhaustive Guide to the MH4C Approach to Personal Finance Series:

  1. The Audience Matters: Introducing You to the Ideal MH4C Reader
  2. Learning Personal Finance: A Guide to Successful Financial Health (With A Glance at How I Manage Money): Part I
  3. Learning Personal Finance: A Guide to Successful Financial Health (With A Glance at How I Manage Money): Part II
  4. Unlearning Personal Finance: A Guide to Successful Christian Finance
  5. Christian Personal Finance Pyramid: Listening to Multiple Personal Finance Voices

The Audience Matters: Introducing You to the Ideal MH4C Reader

I spend a lot of my time teaching the Bible.

One might assume that the task would be quite simple for a guy who’s been doing it for a decade. The problem is that every audience is different.

In New Guinea, I spend a lot of my time teaching and focusing on elements that help construct and build up people’s faith. I use words that are easy to understand. I preach and teach from the Easy to Read Version of the Bible.

In the United States, I spend more of my time teaching and focusing on things people need to unlearn or relearn about faith. I’m more direct, hoping to break through some thick shells of status quo. I preach and teach from the NIV.

When I’m talking with individuals with a seminary education, I challenge their thinking and challenge their assumptions with a goal to help them address some inconsistencies of their faith.

If I forget my context and challenge the faith (in a manner that is beyond the maturity of their faith) of infant Christians, I do them a tragic disservice.

The MH4C Audience Issue

The problem here at MH4C is I don’t get to choose my audience. You come via Facebook or Google and then start to read. I know some of you through comments. Others I know by the email correspondence we’ve had. I’ve even had the pleasure of meeting or knowing many of you.

But, I’m still not sure who the audience is.

That can be very dangerous.

The reason it can be dangerous is because at this blog I like to challenge conventional financial wisdom.

What if you have never learned conventional financial wisdom? Or even worse, what if you’ve never practiced conventional financial wisdom?

That’s the main reason why I started Christian Debt Coach. So my readers who are in debt could have a forum where we can talk directly about issues related to Christians in debt.


The message to Christians in debt is different than the message to out-of-debt Christians.

As an example, last week I wrote a post called What Your Financial Advisor Won’t Tell You About How to Successfully Reduce Your Nest Egg.

The post had some positive feedback, and some folks were concerned.

Imagine how damaging that information could be in the hands of the wrong person.


But, imagine how much a blessing it could be in the hands of the right person.

Unless called or compelled otherwise, Christians in debt should give a portion (I’m comfortable suggesting 10%) of their income and focus the majority of their efforts to pay off debt and getting a solid financial footing.

Also, I believe there are many people who should graduate beyond the ridged advice they’ve always followed.

Some people need to be prayerfully considering how to do more with what they have been entrusted with. There are also many people who need to be patiently enduring the stages of conventional financial advice so they can be in a better position to full participate in the joy of giving.

The ideal MH4C reader is debt free (or working to become debt free) and wants to be sure that they are honoring God through their blessings.

I’m at the point in my life where I’m asking myself – what should I do next as a Christian? Most of the articles on this blog address that struggle.

I think there is a void of solid teachings for Christians who are debt free.

Our knee jerk reaction is to continue to follow the advice that helped get us to a place of financial health.

In case you’ve never read it, my biggest criticism of Dave Rasmey’s Baby Steps is the seventh step – build wealth like crazy. I have some minor differences of opinion on the other steps, but in general, I agree with the Baby Steps. But, I’m still not convinced God ever intends for the majority of Christians to enter into a build wealth like crazy stage. (But, we’ll have more on that in the fifth part of this series.)

MH4C challenges those who could be in the build wealth like crazy stage to forego the stage and learn to systematically use their resources for the benefit of others.


  1. Mary says


    Great post! You bring up some very solid questions and possible concerns but if someone is offended by your thoughts, they don’t have to read them. That’s the beauty of the Internet, if you’re not happy with one site, there’s always more to choose from. And, if someone takes the time to browbeat you over your thoughts, they need to get a life!

    I agree with you 100% on your thoughts on Ramsey’s focus on building wealth like crazy. That’s something that always seems to hit my solar plexus when I read it, that a solid Christian is doing something just to build wealth, no matter what it is. I remember a motivational speaker’s book that someone suggested I read and the whole book focused on doing things for God’s glory but then went on to how to build your millions. That just didn’t sit right with me. Since I seem to have the same thoughts as you, we can’t both be coming out of left field but then again, maybe it’s just that we’re both a little “different.” I can think of worse things to be…:-)


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