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After I had been tithing a year or more, through no fault of mine or my family but through sickness, we got rather deep in debt. The enemy said to me: "It is not right for you to give a tenth of what you make to the church when you owe these bills. A Christian pays his debts. You should pay these creditors, and when all your obligations are settled you can give more than a tenth to the church." That sounded very religious. In fact, it sounded so much like the thing to do that I took his advice. His advice was wrong and this is what is wrong with it: a Christian should pay his debts, but he should not use God’s money to pay them. He should use his own. (Jarret E. Aycock)

Dan Thompkins. (2008). Sermons of Dan Thompkins.