How does Proverbs 22:26 reflect God's wisdom in financial stewardship? Text of the Verse “Do not be one of those who gives pledges, who puts up security for debts.” (Proverbs 22:26) What a “Pledge” or “Security” Means • In Solomon’s day, this referred to co-signing or guaranteeing another person’s loan. • It placed one’s own assets—often land, tools, or even the family bed—at risk if the borrower defaulted (v. 27). • The practice still exists today whenever someone obligates personal resources for another person’s debt. God’s Protective Wisdom in the Warning • The Lord, who owns everything (Psalm 24:1), calls His people to faithful stewardship, not reckless risk. • Co-signing shifts control of our God-given resources to an outside lender; Scripture cautions against voluntarily surrendering that control. • Because the command is negative (“Do not be…”), it highlights real danger rather than mere preference. Principles of Financial Stewardship Drawn from Proverbs 22:26 • Personal accountability—each believer should bear his own load (Galatians 6:5). • Avoid presumptuous risk—wise planning counts the cost before committing (Luke 14:28). • Preserve family provision—debt that endangers basic needs violates 1 Timothy 5:8. • Exercise love through prudent help—aid others without jeopardizing the resources entrusted to you (Proverbs 3:27). • Honor God’s ownership—manage resources as His steward, not as a gambler looking for quick solutions (1 Corinthians 4:2). Complementary Scriptures Confirming the Principle • Proverbs 11:15—“He who puts up security for a stranger will surely suffer...” • Proverbs 6:1-5—urges escaping a pledge “like a gazelle from the hunter.” • Romans 13:8—“Owe no one anything, except to love one another.” • Psalm 37:21—“The wicked borrow and do not repay, but the righteous are gracious and giving.” Practical Takeaways for Today • Think twice before co-signing; prayerfully consider alternative ways to assist without assuming the debt. • Keep an emergency reserve so you do not need to mortgage future stability (Proverbs 21:20). • Live below your means and avoid debt whenever possible; freedom from creditors frees you to serve the Lord generously. • Teach children early that borrowing brings servitude (Proverbs 22:7) and that God’s path is contentment with His provision. |
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