How can we apply Proverbs 11:15 in financial decisions today? Proverbs 11:15 at a Glance “He who puts up security for a stranger will surely suffer harm, but whoever refuses to shake hands in pledge is secure.” (Proverbs 11:15) Why Ancient “Surety” Was Dangerous - “Security” meant guaranteeing another person’s debt—becoming legally obligated to pay if they defaulted. - A handshake sealed the agreement; no lengthy paperwork, just instant liability. - Failure to pay could cost land, family freedom, or even life (Proverbs 22:26-27; 2 Kings 4:1). Timeless Principle for Money Management - Avoid binding yourself to debts you cannot control. - Protect personal stewardship so you remain free to honor God with resources (Romans 13:8). - Recognize that compassion must be matched with discernment (Philippians 1:9-10). Practical Steps for Modern Application - Decline requests to cosign loans unless you are fully prepared—and able—to repay the entire amount yourself. - If you feel led to help, consider a gift instead of a loan; gifts remove the debt-bondage (2 Corinthians 9:7). - Keep an emergency fund so you never need to jeopardize another’s financial future—or your own. - Review all contracts slowly and prayerfully; haste invites regret (Proverbs 21:5). - Seek wise counsel before entering any obligation that could threaten your family’s stability (Proverbs 15:22). Guardrails for Generosity - Give within your means; God never asks you to mortgage tomorrow’s obedience for today’s impulse (Luke 14:28). - When lending, set clear terms, write them down, and expect repayment only if it does not create bitterness (Psalm 37:21). - Prioritize eternal investments—missions, church, caring for the needy—over risky speculation (Matthew 6:19-21). Related Scriptures Reinforcing the Lesson - Proverbs 6:1-5 – warning a son who has “shaken hands in pledge.” - Proverbs 17:18 – “A man lacking judgment strikes hands in pledge…” - Proverbs 22:7 – “The borrower is slave to the lender.” - 1 Timothy 6:10 – love of money leads to “many sorrows.” - Proverbs 13:11 – honest, steady growth outweighs quick gains. Key Takeaway Stay free from entangling financial guarantees so you can use God-given resources with wisdom, generosity, and lasting security. |
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