I’d like to tell you a story.

It’s a story about two people who didn’t grow up with much. One was the son of a farmhand and a bus driver, the other the daughter of a single mom. It’s a story of not having much but not really knowing it. It’s a story of growing up, getting educated, and earning an honest living. It’s a story of making ends meet, then making enough to do more than meet your needs. It’s a story of making enough to waste a lot, and it’s a story of realizing you make too much to not give more away.

It’s my story; it’s my wife’s story. And I’d like to tell it to you.

Most people in ministry complain a lot about not making very much money. I’ve never been one of them, because I know it’s not true. I make more than the average youth minister, based on this survey at least. In fact, without throwing out a specific number, I make more than the average youth minister my age, in my region, in my church size, of my gender, with my level of education. Plus, I remember when my dad shoveled horse manure for a living and sometimes we started our car with a pair of vice grips. So you won’t catch me complaining.

Two years ago my family and I moved to Texas. Have you ever heard the saying, “Everything’s bigger in Texas?” It’s true. We had some very generous folks help us buy a house. So we settled into our little McMansion without giving it a whole lot of thought. The house my wife and I bought had four bedrooms, two and a half baths, two living spaces, two areas to eat in, two living rooms, and a two car garage. It’s typical of a Texas house. Here are a couple pictures:




Pretty nice, huh? I was 30. My wife was 28. We had two kids. Our fence wasn’t white and picket, but other than that, it was a big old slice of Americana. We were living the life. Then a crazy thing happened on our way to the American dream:

We read the Bible. And some other stuff. And visited another country. And realized we were filthy stinking rich. Not by Katy, Texas standards (the average household in the county our church is located in makes $125,000/year…we do not). But by the world’s standards, we are. No question.

Global Rich List RankThere are over 2 billion people in the world who live on two bucks a day or less. My salary puts me in the .09% of the richest people on the planet and in the top 7 million richest people overall. You can find out where you rank here.

All this led to a conclusion. There’s a longer story behind the conclusion, and maybe I’ll tell it later. But the bottom line was this:

We were not giving enough money away. And we were living in a 2,600+ square foot expenditure that prevented us from being as generous as we wanted to be. So we decided to sell our house, take our profits and pay off all our debt (still have the pesky student loan hanging out there), and downsize to a rental. The savings will net us well over $500/month, which we plan to give away.

Some of you are thinking, “Oh, sweet. I did that a couple years back. It’s a no-brainer. What took you so long, dummy?” Others will think we’re nuts–for spiritual or other reasons. Who rents? Why throw your money away? You’re house isn’t that big! If you can afford it, why move? Won’t your smaller house feel crowded?

Trust me, we’ve thought of it from about every angle possible. And I’d be a liar if I told you we were totally cool with every aspect of the decision. But we’ve reached some conclusions that supersede all our reservations:

1. We are paying big money for rooms we barely use while there are homeless people all over the world. (Luke 14:13-14, Proverbs 19:17)

2. We have two eating areas in our home. Yesterday, over 25,000 died of starvation or starvation-related causes. It will happen again today. That’s not okay. (Matthew 25:35, Proverbs 28:27)

3. Investments in this world matter way less than investments in the Kingdom of God, so owning a home isn’t a huge priority for us. Though we probably will own again when we’re in a position to do so, because over the long haul, it is cheaper. So in a way we’re planning to downsize again, so we can give more. (Proverbs 14:31, Proverbs 11:24)

4. By downsizing our space, we’re reminding ourselves that this world isn’t really our home, anyway. (Philippians 3:20, Hebrews 13:14)

5. Capitalism is a great financial system, but it’s not a basic tenet of Christianity. It may be the means through which two formerly poor kids gathered up a lot of stuff, but that doesn’t mean we deserve it or have the right to hoard it. (Matthew 6:19-21, Matthew 25:40)

So our lives are about to shrink by 1,000 square feet or more. Our extra dining space, our extra bedroom, our extra bathroom, and our extra living room will disappear. The key word there is “extra.” Because our house shrinks, we’ll be able to get rid of a lot of stuff, too. Already, we’ve dropped over 20 bags and boxes at a local charity.

We’ll land in a home that, globally, is still above average. The point is not to live in squalor. The goal is to leverage our wealth for the good of the Kingdom, not to inundate ourselves with meaningless trinkets and possessions.

One more thought, lest I come off prideful or condescending, which I really do not want to do:

This is our conviction. It may not be everyone’s. There are many who will give away more money than us next year because they earn more, spend less, etc. By the same token, while the conviction may not be the same, the challenge is identical for anyone who calls themselves a Christ follower.

So I leave you with this challenge:

1. Read all the Scriptures I just shared. Look yourself up on the Global Rich List (click the link or image above). Have a nice honest talk with yourself, with God, and with your family. Do you have enough? Too much?

2. Do some soul-searching on how you justify those areas of excess. Why do you think you need the things you think you need? Is it normal in your community? Can you afford it? Have you ever really even stopped to think about it?

3. Do something that other people won’t understand in order to advance the Kingdom. How can you leverage your wealth to be more generous and beneficial to Kingdom work?

323There is a for sale sign in our yard today. We don’t know when our house will sell or exactly where we’ll land next (Other than it’ll be in Katy, Texas. So no worries, Current family!). We have some prospects, and we’re praying the right one will work out. We’re praying we make enough on our house to pay off that student loan, and we’re praying it will free up the most money possible so we can be as generous as possible. A year from now, we’ll have thousands of dollars that we’ve funneled into Kingdom work instead of brick and mortar. I don’t only ask you to pray for us.

I ask you to join us.

1 Timothy 6:17-19 says:

17 Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. 18 Command them to do good, to be rich in good deeds, and to be generous and willing to share. (emphasis is mine) 19 In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.

My family is done ignoring those words. We’re done pretending we’re not rich. We’re done hoarding our wealth. We’re done living for the present age. We’re going to live with less because less will do, and give more because we have plenty to spare.

I would love to hear your thoughts and we covet your prayers.

Thanks for reading.


Since publishing this post back in August, my wife and I started a nonprofit corporation called The 25 Group. Our purpose is to leverage the wealth of the American church to fund global Kingdom work. We’re looking for folks not to sell their homes, but to devote $25/month to the cause. You can sign up to give here

33 thoughts on “Surrendering the American Dream

  1. Great story and example of living like Christ Titus. Thanks for sharing and being so open. Also Thanks for assuring us you are not moving from Katy. Out of curiosity, isn’t living in a rental more expensive than buying? I looked up homes and apartments for rent and the rate was much higher than our house note, almost double for a two bedroom. Although I live in a small humble home, our monthly payment is $659.00 including insurance and taxes. So maybe buying is still the way to go, just downsizing possibly? Just a thought from a simple gal. 😉

  2. WHOA!!!! We have consciously tried to live our lives “simply” . . . and we are closing in on retirement!! We have two children . . . ministry LCU grads, by the way . . . who are living “simply” . . . and we are always stunned by how much “simpler” we can yet live!!! Blessings to you in your Christ-like decisions . . . may you continue to serve your Lord in such a humble, committed, exemplary way!!! You have brought hope to a senior-heart that can sometimes be discouraged by choices of the indulged and comfortable!!!!! You have reminded us personally that no matter WHAT STAGE OR AGE we are still extremely “wealthy” . . . we have been convicted!! Now we will be changed . . . again . . . and again . . . and again!!!!!

  3. Hey Titus, It’s a great story and backed w/ plenty of prayers and scriptural references. TFS ;o). Wow…quite a house ! Yall been listenin’ to Dave Ramsey about being debt free ? I like that program and message..almost as good as the one you tell. I enjoy my life in our little house down from where you once lived. Oh, it’s…brick..but that’s cause of Charlie Midyett..and Terry , my husband’s distaste for house painting ! But best of all, it’s ours and it’s enough. Why have ‘more’ when we have plenty and it is a heck of a lot simpler to heat and cool. I can sure add you to my prayer list, I don’t have many ” T”s…and do have lots of “B”s…we teachers just alphabetize everything ;o). Take care and God bless IGWT ME(C) Salem, Mo. Date: Sun, 4 Aug 2013 19:02:47 +0000 To: app2draw@hotmail.com

  4. Radical, Titus. I am sure we all can find more excess than we ever thought was there. Thank you for your contribution to the kingdom, financially, spiritually, and for your contribution in wisdom.

  5. Hi Titus, What a wonderful message and thing to do. I put our combined salary and pressed the button but got no reply. The house is beautiful but I truly believe in what your doing and back you completely. Truly miss you here in St. Louis but it appears your new family loves you too. Let me know what I may have done wrong on the income page. You are so loved for all that you do, especially by our Father. Ann

  6. Thank you!!! I went through financial peace university when getting divorced and recommend it to all. We downsized a lot, then found a more comfortable place a year later. 1 mommy, 4 boys – 3 bedrooms 1.5 baths 1490 sq. ft. And guess what?! It’s perfect! God placed us here, and I have a peace knowing I can afford the rent, clean it quickly, pay the utilities, manage the yard and so on without it being a burden. We got rid of SO many unused items, lightened our load which truly was a burden. My goal is to keep purging more so that the next move we can fit it all in one uhaul! I know that in my case there was no helping it, but knowing what I do about divorce money is typically the thing that drives it. And houses typically the heaviest burden. I pray this message spreads – it has the ability to save lives, marriages as well as all of the other world needs you mentioned that so many are ignorant to.

    God bless!

  7. So proud of you guys, Titus. It takes a lot of courage to take this step when many won’t understand. My prayers are with you.

  8. Thank you, Titus. And I will be praying for your family… and mine… and our church. I’m curious if you’ve ever read In His Steps by Charles Sheldon. If not… it’s really good! You would like it I think. There’s another book, which I haven’t read yet but have heard is good, called Living on Less, Liking it More by Maxine Hancock. Just thought you might be interested. Thanks again!

  9. Thank you, Titus. And I will be praying for your family… and mine… and our church. I’m curious whether you’ve ever read In His Steps by Charles Sheldon. If not… it’s really good! I think you’d like it. Another book you might like, which I haven’t read yet but have heard is good, is called Living on Less, Liking it More, by Maxine Hancock. Maybe you’ve read them; just thought you might be interested. Thanks again!

    1. Another book I would recommend is “Rich Christians in an Age of Hunger” . . . this one will keep the conversation going for a long, long time . . . and will create a long hard look as well!

  10. yes! yes! yes! he is totally worth it, isn’t he? everything we have for everything he has. it’s a trade-up. and you didn’t come across arrogant either. bonus.
    i’m curious what books you have been reading. mind sharing?

  11. Great story.. I too did the same but am much older than you.. Finally decided I did not need a big house or all the stuff that went with it. Have saved 500/mnth and gave away alot.. Kingdom work is what its all about.. Sure cant take it with us.

  12. I am a Muslim Turkish man living in Istanbul. I loved your story. I will pray for your good. God help you. There are so many wonderful people with good hearts in your country. I hope things get better and ordinary, good willing people have better living standards. I also hope that smart, intelligent financial wizards there start feeling about their good people also and try to create new methods, financial tools and derivatives to ease the hard living conditions of the middle class, instead of helping the greedy rich only. America’s well being is also important for people other then Americans. Love and peace.
    Aytac D. Erenler

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