A Reformation Day word on money, culture, and the work of our hands.
Five hundred and nine years ago today, a monk in Wittenberg challenged the institutional leaders and even the papacy of his time. Martin Luther circulated ninety-five arguments against the practices surrounding indulgences, challenging a system that had turned something sacred into a transaction. He wasn’t trying to start a revolution. He was trying to bring people back to something that had been lost.
The Catholic church had turned grace into a transaction. Drop a coin in the box and your soul was promised relief. Luther saw that something counterfeit had been passed off as the real thing, and that ordinary people were paying for it with money they couldn’t spare and with a faith that was slowly dying on the vine. Did he remain passive and accept this?
As a Lutheran, I don’t think it’s an accident that I keep coming back to that door this time of year. I think we are standing at a door like it again.
Look around and it’s hard to miss the turbulence. Prices climb faster than paychecks and families carry more debt to buy less. Inflation is climbing faster than the amount of times they try to re-write the algorithm. The bond market is faltering, meaning people are not comfortable investing in our 40 trillion in debt. Trust in institutions is thin, neighbors are strangers, and a lot of us feel like the ground is moving under our feet. There is a growing sense that something isn’t right, even if we can’t always agree on exactly what it is.
In my previous writing on the New Renaissance, I’ve argued that meaningful renewal begins when people stop waiting for the system to rescue them and start rebuilding what’s right in front of them. I still believe that. But I want to go a layer deeper today, because I think much of the turbulence we’re experiencing is a symptom of a larger problem. I believe we have lost sight of what we’re supposed to be preserving in the first place.
Start with money, because money tells us a lot about what a society values. For much of human history, gold and silver served as money because they possessed qualities that made them difficult to manipulate. They were scarce, durable, divisible, and universally recognized. You couldn’t create more of them simply because you needed to balance a budget or finance another ambition.
That doesn’t mean a gold or silver standard was without problems. But there was an important relationship between the money people held and something tangible that existed in the world.
Rome understood this relationship, at least initially. Over time, Roman emperors repeatedly debased the denarius, reducing its silver content to help finance an expanding empire and its obligations. The coin still looked like money, still had the guy’s face stamped on it, but the substance behind it was changing. The decline wasn’t caused by currency debasement alone, but it became a reflection of a much larger set of problems within the empire.
We took a different road in the modern era. In 1971, President Nixon suspended the dollar’s convertibility into gold for foreign governments and monetary authorities. That decision effectively ended the Bretton Woods system and accelerated the transition to the fiat monetary system we operate under today. Our currency is now supported by the productive capacity of the United States, its institutions, its taxing authority, and ultimately the confidence people place in it.
Since then, we’ve built an increasingly credit-dependent economy. Credit itself isn’t the enemy. It can be a useful tool for building, investing, and creating opportunity. But credit is a claim on future production. It allows us to bring tomorrow’s purchasing power into today. And when we become too comfortable borrowing against the future, eventually someone has to settle the bill, and the bill eventually comes due.
I’m not writing this to give anyone investment advice. I’m a builder, not a banker. I’m writing it because I see a familiar pattern (I tend to do this from time to time). There is a difference between creating value and creating more claims on value. There is a difference between building something and financing the appearance of having built something. We see this today in small business owners. Why? Because “access to capital” is actually considered “value” in a small business and could actually help you sell to venture capital or outside investors at a higher price. But at what cost? If you sell a business valued on what that capital bought, the buyer still has to subtract the debt it carries. Just think for a second: a cash-only business may grow more slowly, but its profit is real profit, and every investment gets weighed more carefully and strategically. Now imagine that business owning assets bought with those profits. See where I’m going with this? Obviously this can’t apply to all businesses but you get the idea.
Sound money is about more than gold and silver. It’s about discipline, accountability, patience, and stewardship. It’s about understanding that resources are finite and that the decisions we make today have consequences for the people who come after us.
Easy credit encourages us to live in the present at the expense of the future. Legacy asks us to do the opposite.
And that brings me to the part people don’t always like to hear.
I believe we are in a spiritual war right now, whether we want to believe it or not. Paul tells the church at Ephesus, “For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms.” (Ephesians 6:12, NIV). I don’t think that passage is any less relevant today than it was when he wrote it.
As I see all the political trash people like to fight about during election season, I think that the fight isn’t simply left versus right, rich versus poor, or one political party against another. Those are often just the visible expressions of something deeper. It’s a fight for the soul of our culture. For what we love, what we honor, what we teach our children, what we are willing to defend, and what we’re willing to sacrifice for.
And if I’m honest, I think we’re losing ground.
We’re losing it every time a craft dies with the last person who knew how to practice it. We’re losing it when families eat dinner in four different rooms, staring at four different screens. We’re losing it when music becomes nothing more than content to consume and forget, when nobody knows the names of the people living on their street, and when we outsource every act of care to an app, an agency, or someone else.
None of this happens all at once. It happens gradually. We trade convenience for connection, consumption for creation, and independence for an increasingly transactional way of living. Eventually, we look around and wonder where the community went.
So what’s the answer?
I believe it’s legacy.
Legacy is the binder that holds the pieces together and gives us a reason to move forward. Proverbs 13:22 tells us that “a good man leaves an inheritance for his children’s children, but a sinner’s wealth is stored up for the righteous” (NIV). I don’t think that inheritance is limited to money or property. It’s a way of life handed down. A craft taught. A table kept. A faith lived out. The radical living of the ordinary life. A standard of character that someone else can look to when they’re trying to figure out how to live. This is where many “frameworks” and programs can fall short whether in business or the church. For instance, in many “discipleship” programs I have researched, the goal is simply just to multiply. We want to have this eternal perspective, but if you teach people only how to be saved, and not how to live, it creates a problem with legacy. It’s almost like a multi-level marketing scheme where there is no product. Many business coaches get this kind of feedback from business owners as well. Once the coach leaves, so does the framework, because no one is still there selling it. Oftentimes these frameworks leave out the most important factor and one of the few things that can’t be manufactured: culture. I said earlier that I believe we’re fighting a war and that battle is for the culture.
Legacy is something that can’t be printed or manufactured. It has to be built, slowly, by hand, over a lifetime. And unlike so many things we’re encouraged to value today, its worth doesn’t diminish simply because time passes.
The beautiful thing about legacy is that it changes the questions we ask ourselves. Instead of asking what I can get out of this week, I start asking what I’m building that will still matter fifty years from now. Instead of looking at every relationship as an opportunity or transaction, I start looking at the people around me as people I’m responsible for serving. Try asking the questions: “Whom do I belong to? And does this glorify God?”
That shift changes the way we work, the way we spend our time, and the way we interact with our communities. It also moves us out of isolation and into collaboration, because nobody builds a meaningful legacy alone.
Luther understood something important about this. One of the great contributions of the Reformation was the doctrine of vocation. The idea that our everyday work has meaning and that serving our neighbor is a calling, regardless of whether we’re standing behind a pulpit, working in a field, raising children, or making something with our hands.
God doesn’t need our good works, but our neighbor does.
That idea brought faith out of the cloister and put it back on the workbench, in the kitchen, and in the field. It challenged the notion that only certain professions or positions were sacred. The ordinary work of ordinary people had dignity because it was an opportunity to serve others with extraordinary obedience.
Think about what came out of that tradition. Lutheran congregations sang, and they sang well, because Luther believed music was one of God’s greatest gifts. He understood that music could teach, unite, and communicate things that words alone sometimes couldn’t. I still believe that music is one of the most powerful ways to share ideas. And may the best one win!
A couple of centuries later, Johann Sebastian Bach would write Soli Deo Gloria at the end of his scores, to God alone the glory, which also happens to be one of the Five Solas that summarize Reformation teaching: Sola Scriptura (Scripture Alone), Sola Fide (Faith Alone), Sola Gratia (Grace Alone), Solus Christus (Christ Alone), and finally Soli Deo Gloria (To the Glory of God Alone). His work continues to be studied and performed centuries later. Think about that for a moment. A man sitting at a desk, composing music as an act of devotion, creating something that would outlive him by hundreds of years.
That’s legacy. Not a viral moment or a temporary measure of success, but work done with such purpose and conviction that it continues to give something to the world long after the person who created it is gone.
I think about that every time I’m on a job site.
As a carpenter, I know the difference between something built to get paid and something built to last. You can feel it in a stair tread, a piece of trim, or a cabinet door that fits just right. There is a certain satisfaction in knowing that the work was done properly, even in the places nobody will ever notice.
Craftsmanship is a quiet kind of sermon. It says that the person who will live in this house matters, even if I never meet them. It says that the work itself is worth doing well, regardless of whether anyone is watching.
And I think we’ve lost some of that understanding.
We’ve become so accustomed to measuring everything by speed, price, and convenience that we’ve forgotten the value of doing something simply because it’s worth doing well. When we recover that pride in our work, when we teach it to the next generation instead of allowing it to disappear, we’re doing more than preserving a trade. We’re preserving a piece of our culture.
But craftsmanship is only one part of it.
Legacy also lives at the table. It lives in the meals we prepare, the music we play, the conversations we have, and the people we invite into our homes. There is something about sharing a meal that breaks down barriers in a way that very few other things can.
Martin Luther’s home was famously full of conversation. His wife, Katharina von Bora, was instrumental in managing their household, which welcomed students, visitors, and others into their home. The conversations that took place around their table became the source of what we know today as Table Talk.
Hospitality wasn’t separate from the life of the Reformation. It was part of how that life was practiced.
I think there’s a lesson in that for us.
We don’t need another social platform to connect us. We need more reasons to put the phones down and sit across from one another. We need people who are willing to cook a meal, open their homes, share what they have, and make room for someone who might otherwise be alone.
You can’t argue someone into community, but you can invite them to the table.
The same applies to music, art, craftsmanship, and just about every other expression of culture. We need to be creating as much as we’re consuming. We need to be teaching skills, sharing knowledge, supporting people who are making things, and finding opportunities to collaborate with people who have something different to contribute.
A musician and a carpenter might not have much in common on the surface, but both understand what it means to spend time refining a skill. A farmer understands stewardship in a way that a business owner might appreciate. A cook understands the value of preparing something for someone else. A teacher understands that their greatest contribution might not be something they accomplish personally, but something they pass along.
These are the threads that hold a community together.
That’s why I believe the battle and the solution belong to everyone. You don’t need a pulpit, a political platform, or a large audience to participate in the fight for our culture. You need a skillet, a guitar, a set of chisels, a spare chair at the table, or a free Saturday to help the neighbor down the street fix his fence.
Every act of selfless service is an investment in something larger than yourself. Every song taught to a child, every skill passed to an apprentice, every meal prepared for a family going through a difficult season is another piece of the foundation we’re trying to rebuild.
And none of these things require us to agree on every issue or see the world exactly the same way. They require us to recognize that we have a responsibility to one another.
I think that’s something we’ve got to get back to.
We spend an enormous amount of time discussing the problems with our institutions, our economy, and our culture. Some of those conversations are necessary. But at some point, we have to stop talking about what everyone else should be doing and start looking at what we’re doing ourselves. Our lead pastor says, “look around, if you can’t see the person I’m talking about, it’s you.”
Are we teaching our children anything worth carrying forward? Are we building relationships with our neighbors? Are we supporting the people who create things? Are we taking the time to learn something, make something, or serve someone without expecting anything in return?
Are we building a life that somebody else would want to inherit?
The culture wasn’t lost in a day, and it won’t be won back in one either. It will be rebuilt the way it was always built: by ordinary people doing ordinary work with extraordinary faithfulness.
That’s what I think a New Renaissance looks like. Not a movement handed down from the top, but a thousand small reformations taking place in kitchens, workshops, churches, businesses, and front porches all at once.
I don’t know exactly what the next decade will bring. Markets will fluctuate. Institutions will change. Technologies will come and go. There will be plenty of reasons to worry about the direction of things.
But I don’t think uncertainty is a good enough reason to stop building.
We inherited a world shaped by people who came before us. We benefit from their labor, their sacrifices, their knowledge, their faith, and their willingness to create something they might never live long enough to see completed. We have an obligation to do the same for the people who come after us.
Luther’s hymn, A Mighty Fortress Is Our God, reminds us that the things of this world are temporary, but God’s truth endures. Money can be debased. Institutions can crumble. Markets can swing. But truth, faith, love of neighbor, and work done in service to something greater than ourselves hold a value that no economic cycle can erase.
So on this Reformation Day, I want to challenge you the way that door in Wittenberg challenged a generation.
Stop spending your life on counterfeit things. Invest in what lasts. Learn a craft. Make music. Teach someone what you know. Open your home. Cook for someone who can’t repay you. Support the people in your community who are trying to build something worthwhile. Serve your neighbor without keeping score.
We don’t have to wait for permission, a better economy, or the right political conditions to start doing these things.
We can start right where we are.
Because legacy isn’t something we leave behind when we’re finished living. It’s something we’re building every day, whether we’re intentional about it or not.
The question is whether what we’re building is worth handing down.
Soli Deo Gloria.