You Just Never Know

Nearly a decade ago, I met a couple at church…..good people. I got to know them over a period of time, and they started to know me as someone who helps people with finances. At one point, the wife said, “Travis, you need to help my son…..he’s a mess!!” Her son was in college and recently engaged. She was correct, he was indeed a mess (with money). He was a good dude, though, and his fiancé was pretty awesome, too. They were a top-notch young couple. I was blessed with the opportunity to serve them over the course of a few years, and during that time, I watched them transform their life.

Fast forward a few years, and that man would become my Meaning Over Money business partner. It’s the one and only Cole Netten! Cole and I have had a fun and interesting journey. We each ran our own companies while we built Meaning Over Money with whatever spare time we could muster. During our span together, we’ve both moved multiple times, he had a baby, our careers each shifted in major ways, my wife nannied for their daughter, and his wife Kate started her own company.

This brings us to the present day. Kate and her business partner, Kalli, have a company called Kate and Kal Co. Their mission is simple, clear, and powerful: help Christian women find time and intentionality to lean into their faith. Kalli and her husband, Alex, are also clients of mine, which stemmed from Kate’s referral way back when I first started coaching professionally. Yet another example of how one thing leads to another. Despite having only met Kalli in person one time (and never meeting Alex outside of Zoom), we’re close. I love them dearly and they are like family to me.

In a fun full-circle moment, Kate and Kalli recently invited me to make a guest appearance on their Kate & Kal Co podcast (Apple, Spotify, or wherever you listen to podcasts). As I reflect on that conversation, I can’t help but think how all these little encounters and seemingly benign situations build upon each other until something special forms. That’s how I view my relationships with both of these families. It was nothing…..until it was something……until it was something special. I’m grateful to know these people and it’s humbling to watch them all make their own unique impact on the world.

That’s the thing with life. One day you meet a random couple at church, and the next you have a new family. You just never know!

I recommend you listen to the episode and check out Kate & Kal’s website (linked above). They are doing some amazing work, and it just may be the perfect fit for you (or someone you know).

The Moment

Last October, I wrote a piece titled “Seasons of Need.” For obvious reasons, it feels relevant more now than ever. Violently and unexpectedly, so many people have suddenly landed in a season of need. The world feels like it’s burning all around us.

Someone in my life recently lost their job. Someone I really care about. This is someone who was trying to do all the right things, make good decisions, and build a firm financial foundation for their future family. Someone who had been working hard, had just started a newer, better, more promising job. Then we welcomed a global pandemic to the party and everything exploded.

My wife and I do all of our giving through a special checking account creatively called "Giving Account." On our printed checks (yeah those still exist!), just below our name and just above our address is a line that reads "Proverbs 3:27." I won't make you go look it up.....the scripture says "Do not withhold good from those to whom it is due, when it is in your power to act."

That scripture isn't a cute quote we burn into a piece of wood and hang above our doorframe. It's not even something we do. It's who we are! We are called into a life of generosity. Joyful, sacrificial, God-honoring generosity.

Since this is who I am, I did the first thing that came to mind when I learned about my friend’s sudden job loss. I Venmo'd them rent money. It wasn't even a real consideration….we simply acted. I texted my wife with the idea and within 15 seconds she responded "Yes I'm in support." 15 seconds! I love that about her. The whole process from idea to execution took no more than 90 seconds. Sarah and I aren’t heroes, and I don’t want you to think that. Please, please, please don’t think that. We are simply doing what God has asked us to do: show His love through generosity.

In a conversation that now makes me cringe, I was talking to my mentor Gary Hoag about generosity. Mind you, he wasn’t my mentor at this point…….in fact, this conversation happened less than 24 hours after I first met him. Gary asked me “do you think you’re generous?” I confidently (and perhaps arrogantly) answered “yeah, I do.” “Why?” “Because we give 12% of our income.” “What makes 12% generous?” “Because it’s more than 10%!” See, very cringey.

Gary paused for an uncomfortable period of time (or maybe it was just me who was uncomfortable), probably trying to decide how aggressive to be with this young guy he had just met. I don’t remember his exact words and it would be unfair for me to try to put words into his mouth all these years later, but the takeaways of that conversation were profound and life-changing. In short, Gary (who is one of the world’s brightest minds on Christian generosity) explained God isn’t keeping score. He’s not tallying dollars and keeping a ledger of our giving. Instead, he’s looking at our heart. When I asked Gary what it means to truly give sacrificially, he turned it back around on me with a question: “Does your giving hurt? Do you feel like you’re really giving up a lot to give what you’re giving?” It was an easy answer for me, “no.” Our 12% giving didn’t hurt. For us, it meant we saved a little less and maybe (maybe) went on one less trip per year. Thinking about it, it wasn’t a sacrifice at all. It was giving out of surplus. It may have been joyful (so very, very joyful!), but it definitely wasn’t sacrificial.

After this conversation, I talked to my wife and we agreed to immediately double our giving. Again, she’s pretty awesome in that way. That’s when our giving started to feel like a sacrifice. All sacrifice brings pain, but this is a pain I dream others have a chance to experience. The pain of working really hard, giving up something you feel is important to you, turning around to bless someone else instead, thanking God for giving you that opportunity, and trusting He will continue to meet your needs. It sounds ridiculous when I type it out and re-read it, but in practice it is the most life-giving, faith-growing, rewarding, exciting, and loving thing we can do with the money He’s blessed us with.

Back to my friend. When they unexpectedly received a Venmo notification on their phone about the gift we had just made, it led to the following text exchange:

“I can’t accept that money from you!!!”

“Of course you can!”

“At least allow me to provide something of value for you.”

“We’re in this together. All of us. We all have seasons of need. I’ve had several. This is yours.”

“I am so humbled. I don’t know what to say aside from thank you so very much.”

They were wrong on one thing…..when they asked to provide me something of value. Who says they haven’t already? Relationships matter. In fact, there is nothing more valuable than relationships. What’s not valuable in this equation is money. Money is just some paper and coins. But money is never about money……it’s always about something far greater. Given joyfully and sacrificially, God WILL use it to change the world.

The timing of this post is not a coincidence. There are a lot of hurting people right now. A lot of people experiencing a season of need. We all go through seasons of need, but if this isn’t yours, perhaps it’s time for you to get in the game. Ramp up your giving to your local church. Ramp up your giving to organizations doing amazing work. Find people around you who are hurting, and simply step in with joyful and sacrificial generosity.

“Do not withhold good from those to whom it is due, when it is in your power to act.” We live in a world full of pain, suffering, and fear right now. Each of us may not single-handedly change the world, but God can use us to change someone’s world. And if we all band together and change a few someone’s worlds, the world will most assuredly be changed. This, my friends, is the moment! Will you join me?