I had a chance to interview David Hyams, a Denver Seminary graduate and current practicing attorney. You’re really going to enjoy his wisdom – especially his personal story of navigating student loan debt.
David, you have a unique background – you are a practicing attorney but you also attended and graduated from Denver Seminary. Why did you pursue those seemingly very different directions?
The short answer is, because I was trying to follow God’s call on my life. What this looked like in reality, of course, was a serpentine path to law shrouded by fog, marked by stints of clarity. My undergrad degree is in Sport Medicine, which was never a good fit, but when I chose that major as a freshman, like most 18-year-olds, I didn’t know myself and certainly was not considering career options in terms of God’s calling on my life. Toward the end of college, I fell in love with Jesus and apologetics, which led to seminary. While at D. Sem., I learned my giftings trended more academic, so I pursued the M.A. in Philosophy of Religion. Upon finishing that degree, despite numerous red flags cautioning me otherwise, I was convinced a Ph.D. in Philosophy was what God had for me. Toward that end, I picked up another M.A. in Philosophy from Georgia State University. Eventually, in a most unfamiliar and uncomfortable act of humility, I surrendered to what the Lord had for my career instead of imposing on Him what I thought “made sense.” That led to law school, which wound up being a perfect complement for my background and giftings. In fact, I’ve met quite a few seminarians over the years who’ve entertained the prospect of attending law school, and lawyers who’ve wanted to go to seminary. Few have had the privilege of doing both. Thus, becoming an attorney was not the product of a planned career path, but was the result of my (highly imperfect) attempts to daily follow the Lord’s whispers.
You and I have talked briefly about your personal interaction with student loans. I know you have really sacrificed to pay those down – what has your journey looked like?
I’m not proud of my journey. Had I to do it over again, it would look very different. Nonetheless, if through my weaknesses and the ensuing suffering Christ’s power may rest upon me and others may be comforted (see 2 Cor. 12:9; 1:3-4), I gladly share it.
Thankfully, my personal interaction with student loans stemmed solely from my law degree. My parents paid for the B.S. We paid for seminary through a combination of work (my wife and I both worked, though she was the primary breadwinner), scholarships, and church contributions. The second M.A. was paid for through work (again, my wife mainly supported us, though I worked as well), and grants from the university.
By the time I started law school, however, we were burned out on school and were ready to cast off the shackles of financial restraint we had worn for the years of student life and start living like “grown ups.” Thus, despite having very good jobs for the duration of law school, instead of using our income to actually pay for tuition, we financed the entire degree with student loans. (For brevity’s sake, I’ll skip over the multitude of other financially-ruinous decisions we made over the next several years and focus on the loans.) I thus graduated from law school in 2008 with approximately $125,000 in student loan debt.
Aside from the sloth, prideful sense of entitlement, and utter foolishness that informed the decision to borrow all that money, I never once stopped and put pen to paper to determine the answers to such basic questions as:
“How much money am I going to have to make each month in order to pay these loans back in x years?”
“If I don’t pay at least $x per month, what is the interest going to do to the principal?”
“What sort of jobs am I either going to need to apply for or walk away from because of my obligation to service this debt, and how does that align with God’s call on my life?”
“What sort of opportunities am I not going to be able to pursue because of the commitment I’m making to my lender?”
Instead, in repeated acts of cowardice, I stuck my head in the sand and, semester after semester, took on more and more debt. Of course, I never abandoned my faith along the way, so, on those rare occasions when I’d actually entertain post-law school financial realities in a general sense, I would sanctify my naivety with such theological quips as, “I don’t know how, but God will provide.” (All the while ignoring that God was actually providing the entire time, I was just choosing to squander his provisions.)
After narrowly avoiding personal bankruptcy following law school, we went through a major life overhaul and (finally) started living on a budget. After eight years of attacking debt, belt-tightening, and the selling of two houses in 2016, we are, praise be to God, debt-free. The student loans had ballooned to ~$165,000, for I had put them in deferment and had entered into a federal “repayment program” while I repaid other debts. And while we’re now starting over in some ways, we’re finally complying with the Lord’s command in Romans 13:8 to owe no one anything except love. It feels amazing.
Financially, what word of advice would you give to someone just entering into seminary?
Generally speaking, you need to understand that, while the degree you’re about to earn is extremely valuable and worthwhile from a kingdom perspective, the world does not place the same value on it. And, by and large, the world’s value metrics determine the amount of money you will earn upon exiting seminary, regardless of your place of employment. And while it may feel a little “dirty” to the seminarian who is dutifully following the call of God on his or her life, they need to get comfortable talking about money and the financial realities that come with it. The last thing you want to do is in one breath say, “God, I will go anywhere and do anything you call me to do,” and in the next breath say, “so long as it pays at least $x per month because I’ve got to pay these student loans back!” At its most basic level, taking on student loans is taking on the yoke of another master, and the Lord has warned us about the feasibility of serving two masters (Lk. 16:13)—especially when that other master is Caesar himself (i.e., the federal government)). Moreover, many (most?) of the life crises of the people you’ll be ministering to involve finances in some capacity.
Moreover, you have no idea what will happen in life. Yes, God will provide for your needs. And yes, He owns the cattle on a thousand hills. But this world we live in is fallen and suffering and persecution is a part of the path of righteousness. Why purposefully compound that by fiscal irresponsibility?
Accordingly, I’d advise the seminarian to avoid student loans at all costs. If need be, take your time getting through seminary. (For most of you, being older and wiser upon exiting seminary will only help your future ministry.) Get creative by working multiple jobs (even jobs that might be “beneath” you), take night or weekend classes, check your textbooks out from libraries, live on a budget, beg, pinch, scrape, whatever, just stay indebted only to the Lord.
You have a unique background in Bankruptcy law. I believe one of the biggest issues with large amounts of student loans is that personally you can’t bankrupt out of them. That makes it almost impossible to escape them should you become overly indebted or should life change radically. Obviously bankruptcy has been abused by some people over the years, but can you help us understand why it’s important to our economic process and what risks someone takes by taking on non-bankrupt-able debt?
In its simplest form, bankruptcy is about the unmerited forgiveness of voluntarily-incurred debt. As people of the gospel, we should be able to appreciate this, especially given bankruptcy’s biblical roots in the year of jubilee (see Lev. 25). By allowing a debtor—whether an individual or a company—to make a “fresh start,” risk-taking activity is encouraged. Starting a business, pursuing an idea, investing in something you believe in—all of these are risks. If failure would result in a lifetime of inescapable debt, fewer people and companies would be willing to take risks. Thus, fewer jobs, inventions, and fulfilled dreams, i.e., less human flourishing. Bankruptcy allows the risk-taker to minimize her risks by providing a means to discharge or reorganize her debts in the event of financial calamity. Likewise, creditors are encouraged to invest in the risk-takers, for their rights are protected under the Bankruptcy Code as well. Of course, certain types of debts are offered very little protection, but most creditors will work the prospect of bankruptcy into their pricing and they understand the risk of participating in the market.
By taking on debt that cannot be discharged in bankruptcy, such as student loans, the debtor is taking on the risk that, despite Jesus’ promise that we will face trouble in this world, “everything is going to work out.” Unlike other debts where the debtor and creditor share the risk and therefore want to see the debtor succeed, student loan creditors bear virtually no risk by extending the loans to the particular student. The student bears all the risk, the debt is completely unsecured, i.e., the debt does not attach to any collateral that can be liquidated to satisfy the debt, and it will follow the student all the way to the grave.
What have you learned from your unique background working with religious institutions about how occupational ministry and finances collide?
There are of course numerous and beautiful exceptions I’ve seen, but here are a few trends I’ve noticed.
Often, ministry leaders are incredibly gifted at relationships, but they do not have a very keen business sense. This can have the effect of a poorly run organization that is out of tune with realities its donor base grapples with on a daily basis, even if the leader has good intentions and the doctrinal statement is sound. Of course, there are problems that come with unreflectingly adopting “secular” business principles, but at a minimum, a basic understanding of budgeting, business, and economics (and law) would help ministry leaders.
By embracing a negative mindset toward finances, pastors contribute to the sacred/secular divide, and stymie their flocks’ ability to think Christianly regarding money and work.
Many younger evangelicals who do not feel called into pastoral ministry come to the conclusion that in order to faithfully serve God, they must start or work for a non-profit, because, in their mind, they cannot work for a for-profit company because “profit equals greed,” which is, of course, a sin. But profit and greed are distinct concepts that are not necessarily correlated. This mindset has deprived us of thoughtful Christians in the marketplace and given us too many non-profits, which has had the concomitant results of draining kingdom resources and increasing ministry redundancy. (Not to mention the sympathies toward Marxism this general disdain toward capitalism has engendered—an economic philosophy whose utter failure to actually work in reality has only been surpassed by the torrents of blood that have flowed everywhere it’s been implemented.)
Many believe that by getting too far into the details of finances, they aren’t trusting God or would be idolizing money. A quick survey of Proverbs should put that fear to rest. (See, e.g., Prov. 27:23.)
There is also the risk of the pendulum swinging the other direction toward the “health and wealth” prosperity gospel, which also prevents thoughtful, biblical engagement with finances.
Jesus rightfully warned of the dangers of money. But by failing to help move their flocks beyond “money is bad” (except when the offering plate comes around), the church is left ill-equipped to expose the idols of the age and model a biblical counterexample.
Thank you for your wisdom, vulnerability, and leadership in this area. We are deeply grateful.
If you’d like to learn more about David in is own words you can visit a longer bio here: www.sdglawllc.com and if your organization has any legal needs feel free to reach out to him here or 703-771-4671.
Some students I counsel are skeptical when I advise them that they can and should be earning more money.
If you want to earn more money, it is helpful to understand how and why employers pay employees. Understanding this will dramatically improve your earning power. Here are three main ways employees are compensated:
1.) Hourly. This is the most common and first (and usually only) way most of my students think about being paid. When I tell them they can easily earn $25+ an hour they say “Nobody is paying that.” Correction: (Almost) Nobody pays that per hour. Hourly work is the lowest common denominator – we all have an hour. It’s not based on skill or productivity. There’s nothing wrong with being paid hourly, just understand that both your hours and the dollar per hour the employer can justify are limited.
2.) Piece Work. Many jobs pay by the job, not by the hour. For example, you may be paid $100 to clean a house that should take 5 hours. That’s $20 an hour work. If you can do it in 4 hours, you just received a 25% pay raise. If you’re looking for part time work, finding work that pays by the job instead of the hour is a great way to dramatically boost your income.
3.) Value Added. The highest paying jobs pay by the amount of value you can add. A simple version of this is someone who works on commission. If I sell 3 cars instead of 1 car on a Tuesday, my hourly income is 3x higher. The employer is happy to pay me because they are earning more money. I have ‘added more value’ then I cost my employer. More jobs than you think use this model. It’s “knowing where to hit”. This is why Zig taught “You will get all you want in life, if you help enough other people get what they want.”
There are lots of other ways to make money (buying and selling stuff, investing, etc.), but those are three models employers use in determining what compensation structure to offer.
Here are some random thoughts on these compensation plans:
- Pastors should insist on positioning themselves as ‘Piece Work’ and ‘Value Add’, never on hourly. Your Sunday sermon is ‘Piece Work’. It needs to be ready to go by Sunday at 8am. If you can train and discipline yourself to prepare it in 10 hours instead of 20, you should then go home to raise your kids, play golf, or spend time in spiritual renewal. The reality is that being able to prepare it in 10 hours instead of 20 is a unique value you bring, and you need to capture that value for yourself. If you raise a healthier family, the church will benefit from that so the value is mutually beneficial. This isn’t just true of sermon prep, it’s also true of staff meetings, budget committees, dealing with people who complain, etc.
- When it comes to adding value, there is a huge mark up. Pastors that are educated, good leaders, and have excellent communication skills are going to command a significant premium. Rick Warren has sold over 25 million books, and while he has been blessed with lots of skills, gifts, and opportunities from his maker, he isn’t lucky. The same is true for a local electrician like my friend Tim. Tim is compensated far more than many others in his field because being honest and dependable has a huge premium in his field.
- The great news is that the ways you can add value are truly limitless. Find the areas that have the highest return on your time. It might be recruiting new kids to the youth group. It might be solving problems without requiring direction. Studies show that food servers that use their name and smile can earn $2.00 more per tip.
- Part time income is really well suited for piece work and value add. If you worked in retail you might make $10 an hour. 10 hours a week would be $100. But you could make several times that if you were a piano teacher or math tutor charging $40 an hour. It would require you to put together flyers and facebook posts to spread the word. The actual time you spend teaching piano is somewhat valuable, but the time you spend finding new clients is extremely valuable. Finding new clients will pay you $100-$200 an hour. No matter what job you have, figure out what part of that job is the most valuable and do it more.
- To truly understand value, we need to understand the stories people tell themselves. Teaching little Suzy the piano probably isn’t the highest value you bring. As a parent I want to believe that I am opening up the world of music to my kids. Broadening their horizons and teaching them the arts. The REAL value you bring isn’t teaching the piano its confirming my story to myself that I’m a good parent.
- You don’t need to be self-employed for this to work. If I cleaned houses, I might go to my boss and ask “What’s the value of a new customer?” If they hired our company once a month for an average of three years and the company made a profit of $100 each visit a new customer would be worth $3,600 to the company. Would the company pay me $500 to find them a new customer? Of course. Then I would put up flyers on the bulletin board at church, let friends know I was looking for new customers. I may have started as a house keeper, but now I have a side hustle.
- Most people that don’t believe they can make a lot more money don’t understand where they can add true value. A piano teacher is somewhat valuable. But if the teacher asks for referrals every week at the end of the lesson, that 1-2 minutes is worth hundreds of dollars per hour.
- If you have the capacity for 10 students and you have 15 willing to take lessons, you can raise your rate from $40 to $50 (or $20-$35 or $55-$65). You will lose a couple students, but still have 10 willing to pay the extra. You didn’t earn a 25% raise for being a great teacher (though you may and should be), you earned that by finding more clients. No matter what job or field, figure out where the value is added to the organization.
- I’m not convinced driving for Uber or Lyft is a good job. It wears out my car (my factory), my income is limited by the hours I can work, and there are very few ways I can add additional value.
- I watched “The Big Short” last night and was reminded that nobody understands “Value Add” like financial professionals. Hedge fund managers build it right into their agreements (2 and 20) so there isn’t any ambiguity when it comes time to get paid.
- Perhaps the most important skill you can build is learning how to explain to the client what exactly is the value you add and why that is important and worth it to them.
- The heart of all jobs is solving a problem. The highest paid people are able to communicate “I understand your problem” and “I can help you”. It’s really empathy. That will get you the job, following through and delivering on and above your promise will keep the job or keep the customer coming back.
A friend started this foundation a couple of years ago:
If you apply, meet the criteria, and are selected they provide a dollar for dollar matching grant to help you pay off your student loans. More information on their website. A fantastic resource for a Seminary graduate.
The two most common financial questions students have are “How much will my income be once I graduate?” AND “What will the payments be on my student loans?“.
We’ve looked at different income questions before (here, here, here, here), and we’ve looked at some of the payment questions (like is Public Service Loan Forgiveness (PSLF) a good option?), but as a regular reminder you can go to this link and run your future payments for yourself:
I’m working on a long article. Here is a short excerpt. What do you think is the best metaphor for a local pastor?
There are a couple of occupational metaphors for someone going into a full time ministry career. The rise of the mega church over the past 25 years has led some to equate the lead parson as the “CEO” of the local house of worship. One potential problem of this metaphor is the primary ‘work’ of a faith leader doesn’t have anything to do with that of a CEO. Eugene Peterson says “The pastors of America have metamorphosed into a company of shopkeepers, and the shops they keep are churches. The vocation of pastor has been replaced by the strategies of religious entrepreneurs with business plans.” A better metaphor might be faith leader as Physician of the Soul. The origin of that saying goes back hundreds of years, probably predating a famous sermon by George Whitefield in the mid 1700s. The phrase is taken from Jesus famous retort to those questioning the company with which he chose to keep “Healthy people don’t need a doctor – sick people do.”
The primary work of a faith leader is to tend to the spiritual health of those in their care. For that reason I really like the analogy of faith leader as a physician of the soul. My proposal is this: The way the medical profession educates physicians is a good example for how we should be educating occupational ministers.
Does debt influence risk taking? In this article on Millennial entrepreneurs, that is one of the propositions:
The answer begins with more debt and less risk-taking. The number of student borrowers rose 89 percent between 2004 and 2014, as Lettieri said in his testimony. During that time, the average debt held by student borrowers grew by 77 percent. Even when student debt is bearable, it can still shape a life, nudging young people toward jobs that guarantee a steady salary. Entrepreneurship, however, is a perilous undertaking that doesn’t offer such stability. There is also some evidence that young people’s appetite for risk-taking has declined at the same time that their student debt has grown. More than 40 percent of 25-to-34-year old Americans said a fear of failure kept them from starting a company in 2014; it 2001, just 24 percent said so.
Assuming that hypothesis is true, what risks are required for those going into Occupation Ministry?
Are church planters inherent risk takers? Does a candidate need a willingness to relocate? Do financial constrains restrict a pastors ability to start with a small congregation? Are church staff less likely to stand up to improprieties in leadership if they are financially stressed?
Millions of dollars are being spent researching the issues around student loan debt – preventing unhealthy amounts of it and creating paths for students to graduate with less or no debt.
One thing that we hesitate to talk about is the following truth:
Debt only makes sense in relation to Income
Our income will dramatically affect our opinion of our debt. A friend of mine graduated from an Ivy League law school and his first job after passing the bar was with a white collar, downtown firm on a partnership track with a starting salary of $140,000. He lived well below his means (drove his old car for 5 more years) and he was able to pay off his student loans within a few years. His debt was manageable in relation to his income.
You might say ‘obviously’, but it isn’t obvious. Income simply isn’t talked about much in and around graduate school or in the many conversations about addressing student debt.
$500, $5,000, $50,000, or $500,000 of debt all may be disastrous or manageable BASED ON INCOME. If you are going to have a $250 student loan payment, you need to understand how much of your income that will consume. $250 is a percentage of your take home pay. Putting your debt in relation to your income is one reason we have tried to develop rules of thumb like this.
There is a reason we hesitate to talk about income – it can vary widely. Some variables are based on things we can control and some are not. Some of those variables that can drastically change your income potential are:
A friend of mine was offered a pastoral position in downtown San Francisco that had a starting salary of $100,000 a year. After doing some research and running his budget he discovered that even with that salary he couldn’t afford to live within 30 minutes of the church. A pastoral position in Lawrence, Kansas may pay significantly less, but cost of living is much different. Student loans aren’t geographic – they travel with you.
- Employee Personal Capacity
Employees have very different capacities – speaking specifically of things that are in our control. Some people are just naturally better or have worked hard on areas of personal development such as likeability, work ethic, punctuality, working well with others, and creating positive results. 70% or more jobs are landed through personal networks, so a future employee needs to be able to build and maintain relationships. These skills will have a huge impact on future income opportunities and student’s personal networks and skills vary widely.
- Macro Economics
Our economy is still driven by supply and demand. If there are more attorneys’ then jobs, the cost of labor (salaries) goes down. If overall church attendance in your denomination is declining, then there are fewer dollars and jobs available. If the markets do well and overall charitable giving goes up across the country it will generally increase salaries. Furthermore, certain skills pay much better in the marketplace. In America today, a pastor who is a dynamic public speaker will earn more than a less dynamic shepherd that loves his flock just as much or more.
- Gender, Race, Height, Etc.
Unfortunately in the broken world in which we find ourselves, there are significant wage discrepancies for things that are well outside the control of the employee. It seems insane, but age, race, gender, and even height will play a significant impact on our ability to earn.
Some of these variables are hard to talk about. The reality is that it isn’t right or fair that some of these variables are out of the control of the employee. It’s easier to avoid discussing injustice (or to rant against it) then to pragmatically address what to do in light of it.
For these reasons we have dropped the ball on having honest discussions with students about understanding their future income. Some of us can do different things to maximize our income potential. That may be learning a new skill or focusing on skills that pay more in the marketplace.
Others shouldn’t focus on maximizing at all. The world truly needs homemakers and small town pastors. For those called into those types of occupations, we need to talk about debt in light of their future income.
65 years ago, in post World War II America, there were major social and economic power structures that provided an easy path into occupational ministry. The vast majority of citizens attended a faith based service at a church founded by a national denomination. If you felt called into occupational ministry, you could pick one of those national denominations and follow a clearly defined path to ordination. After ordination, you could rely on that denomination calling you into an entry job and a clearly defined occupational path.
This was extraordinarily effectively. It’s hard to over emphasize the influence of “Methodism” to all aspects of American culture. American’s LOVE the concept of applying a ‘method’ to everything from making Ford Model A’s to making the next generation of pastors.
There was an obvious backlash to this version of cultural Christianity. That led to the Jesus Movement of the 70s which directly led into Calvary Chapels and Vineyards. I had a church planter from the 70s tell me that all you had to do was plant a ‘cool’ church and they would fill right up. I believe these churches really connected culturally with the counter culture movement of the late 60’s and 70’s. Instead of a priest or pastor in robes with a pipe organ, you had pastors in jeans and rock and roll worship.
That movement is (or has) waned. We are in the middle of another major religious cultural shift. Into what I don’t know, but you can’t just plant a ‘cool’ church and you haven’t been able to for a decade or two. (For what it’s worth, I think we’re moving back toward a version of “liturgy” and the grounding nature of old church traditions. I think the unmoored feeling of modern culture is driving us back toward practicing faith in a manner our forefathers did. For example, we are seeing a rise in young Episcopal’s and evangelical Catholics.)
The point of this is that there were two major cultural trends that have lost some footing:
- If you go to college, you’ll have a job for the rest of your life. This idea goes back to the 1950s and factory mentality. A college degree isn’t a guaranteed job. A job isn’t a guaranteed career. And a career isn’t a guaranteed pension in retirement.
- There will be a clearly defined occupational ministry career path. Either from your denomination, or local congregation, or society.
I don’t think this is a reason to panic. In fact, I’m excited. I think this is a wildly transformational time in our culture and power structures (religious and otherwise). I strongly believe in the value of a solid Theological Education, and I don’t think a changing society or job market undervalue that at all.
But the reason I write this blog is that the changing times require greater FINANCIAL prudence in navigating the path to occupational ministry. You cannot follow the path of our parents and grandparents. I believe it is also very difficult to go into ministry following the cultural norm of the day – accumulating large amounts of student loan debt.
Instead, to Graduate Free we are going to have to take the path less traveled. The path of minimalist living, working our way through school, fundraising, Ministry Residency’s, and being shrewd shoppers.
I am here to walk with you. It is a journey worth making, and you can do it!
Ministry work and fundraising seem to perpetually be stuck together. This is a brief note on why that isn’t a bad thing.
Some students have put a support team together to help them pay for a theological education with less or no student loan debt. I think this is a great way to go. If you intend to go into occupational ministry, you need to become more comfortable with fundraising – but why?
The answer to that question isn’t restricted to ministry – in fact I came across the answer 10 years ago reading Seth Godin’s phenomenal blog. He is described as an ‘author, entrepreneur, marketer, and public speaker’, but I like to see him as a thoughtful person who is willing to share.
Seth’s post a decade ago was on a New York Times article from Ben Stein (shout out to Win Ben Stein’s Money hosted by Jimmy Kimmel (!)) in which he questions Yale’s persistence in asking him for money. If you haven’t followed it since 2005, Yale’s endowment is now over $24 Billion. That’s easily enough to never charge tuition again much less ask their alumni for donations that pale in comparison. So why do they do it? Godin answers:
Michael Motta answered that question for me when he quoted Ben Franklin in an email today. “he that has once done you a kindness will be more ready to do you another, than whom you yourself have obliged”.
In other words, Yale wants Ben Stein’s money so that Ben will be inclined to do the things that Yale really wants: send over great students, hire graduates, talk up the school and maintain its place in the pantheon of liberal arts colleges. And donors are far more likely to do that than disconnected alum.
Therein lies the reason fundraising is an essential part of all ministry work from now until the end of time. There are a lot of things that your personal ministry “really wants” much more than money. It’s nice to ask for ‘prayer’, but I’m certain that people that actually support you with their real dollars are far more likely to support you with real prayer.
So what is it that you ‘really want’? If you’re in Seminary, there are a lot of things more important then money that would be deeply helpful for you: housing, prayer, a job, people with whom you can actually minister, babysitting, an audience for your teaching, wise counsel, theological reflection, and much more.
A friend of mine recent gave my car a jump start when I was stranded in a distant neighborhood. It was a friendship that started and grew through a business transaction. Finances have a way of connecting us in cool ways.
I truly believe that God has promised to meet all my needs according to the riches of his glory in Christ Jesus. So I don’t need to do fundraising to meet my financial needs, but I think one reason God gives us financial needs is to connect us with fellow travelers through jobs, fund raising, giving, lending, and helping each other with physical needs. We are hard wired to want to help each other. And through financially helping one another we find ourselves helping each other with the things that really matter – the stuff money cannot buy.
Going out and asking other people to support your cause*, specifically including financially, is an important part of the spiritual order of the universe. It really is a blessing to you AND to them.
*BTW, if you’re diligently asking and people aren’t supporting your cause it may be because you aren’t communicating its importance in a way that they can understand. Or perhaps you are communicating it properly, in which case maybe you should quit that cause ASAP.