Stick Figures Explain the Mortgage Mess

Uncle Sam is experiencing a housing crunch. Sucks to be me, I am getting ready to sell my own house. Be that as it may, one might be wondering, “how did we get in this position?”

Great question. A hilarious depiction is shown in stick figures of the whole mess.

[Disclaimer: lots of foul language in the stick figure presentation]

The biblical answer, however, is this. Sinful human beings can be greedy, leading them to mortgage their entire lives for the dream home that they can’t otherwise afford. Proverbs 22:7 says that “the borrower is the servant to the lender.” That means if someone owes someone else money, they are essentially that person’s slave until the debt is paid. In the OT, when someone couldn’t afford to pay their debts, they would literally mortgage their own bodies by selling themselves into slavery to pay their debts.

Christians are called to be free (Galatians 5:1). How can a person be “free” to follow Christ when he is enslaved to creditors? He can’t be. Consumer debt is antithetical to the Christian calling.

Jesus himself urged his listeners to trust for God’s provision and not to be greedy, saying

do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing? Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they? (Matthew 6:25-26)

Later he adds, “you cannot serve both God and money.” We are either enslaved to God, or enslaved to money. If we are enslaved to money, then we are not free to serve God.

My advice: modesty. Buy a home you can afford with plenty of green to spare. Pay cash for your car. Cut up your credit cards.


  1. sweet. somehow i did it right. it was a little of an accident though. we accidentally told the mortgage company our net instead of our gross and our loan estimate was about 80,000 dollars less than it would have been. the lord seemed to protect us in that one. i still think that it’s better to pay somebody to live in my house than to pay somebody to live in their house a.k.a. renting.

    much love for ya D!!

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