Feb. 19, 2025
The Church and $80,000

A discussion about church and money
A discussion about church and money
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Looking at our world from a theological perspective. This is
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the Theology Central podcast making Theology Central. Good afternoon everyone.
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It is Tuesday, February eighteenth, twenty twenty five. It is
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currently five twenty nine pm Central Time, and I am
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coming to you live from the Theology Central studio located
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right here in Abilene, Texas. Eighty thousand dollars per year,
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eighty thousand dollars per year. Now, I don't know what
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you think about that. Like, if you were trying to
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get a job and they offered you to pay you
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eighty thousand dollars per year? Would you think that was good?
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Would you think that was bad? Would you take it?
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Would you turn it down? How would you perceive eighty
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thousand dollars per year? How would you process that? Good? Bad?
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What do you think?
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Now?
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Now let me now change it up.
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What do you think about someone being a pastor making
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eighty thousand dollars per year? Does that change your perception
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at all? Does that impact you in any way? Are
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you like, no, eighty thousand dollars you would see it
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the exact same way or does it begin to make
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you start questioning?
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I don't know the entire this entire.
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Institution we call the church. Would it start impacting your
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perspective in any way, shape or form. Now, we just
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the other day we did a broadcast. What we talked
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about ten secrets your pastor doesn't want you to know
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about the church. And one of the things that person
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criticized the church for is that, Hey, look, whether anyone
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wants to admit it or not, the church is a business.
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We can try to pretend that it's not, but it
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is a business. And we talked a little bit about that. Well,
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today I heard something well that brought the eighty thousand
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dollars per year number right to the forefront.
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And while it added well.
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To me, it adds to our discussion about well, the
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church being a business.
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Here's what happened now.
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Earlier this morning, I was listening to you know, I
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was listening to the different chapel services, and in the
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middle of one Ambassador Baptist College chapel service, I snuck
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out of chapel And while I did a broadcast about grace.
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I think that was a very important one. Hopefully it's
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led to some good discussions on your side of things.
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Hopefully you've been thinking about it all day because that's
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a very important discussion about the nature of grace.
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Okay, so please go have that.
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But as that ended, I had a little bit more
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time to listen to some things, and I ended up
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at I think it was fair Haven Baptist Church and College,
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fair Haven Baptist Church and College. I think it was
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like a chapel service for maybe for the college. It
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may have been a chapel service. I didn't get to
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hear the beginning or the end, but I heard just
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like about just a couple of minutes of it when
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I was doing other things, and the person was talking
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about this young man who had called to ministry, gone
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to Bible College, and he was trying to get his
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first job at his first church, and they were excited
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to recommend him or whoever he was telling the story about.
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I think this story went basically, they were recommending him,
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but they were kind of depressed and they were kind
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of sad when they heard what happened. Because the young
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man was offered a job eighty thousans or a Yeah,
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he was offered a job, but he turned it down.
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This is how the story went.
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He turned it down, and when they asked him, why
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did you turn it down is because he was expecting
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at least eighty thousand dollars per year, plus housing and
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a car allowance. So it's his first opportunity in the ministry.
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But he's like, no, if I can't make eighty thousand
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dollars per year, have a housing and a car of
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some sort, some kind of car allowance, I'm not going
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to tell the job. And they were talking about well,
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you know, pastors thinking too much about themselves or whatever,
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and they had their own point they were going to make.
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But all I could get around was the eighty thousand,
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eighty thousand, eighty thousand, eighty thousand, because to me, it
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brought to mind many other questions. Right, and we've talked
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about this before, but I want to return to it.
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So here was a young man who wanted to go
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into ministry, who was offered a job. They were going
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to pay him less than eighty.
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Thousand dollars a year.
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I don't know if they had a house or a
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car allowance that was added to what they were going
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to give him, but it didn't come out to eighty
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thousand plus these additional benefits, so he turned it down.
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Now a lot of times the people sitting in the
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pew will say, well, he's not committed to God, and you.
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Know they will do a lot of criticizing it.
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Well, it's good for you with your job and you
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have everything you have to criticize the person who's going
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into ministry, Well, I don't know, because they want a
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place to live and be able to pay their bills
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and be able to live. So it's really sometimes people
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have very drastically different perspectives.
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I want to make this very clear.
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This episode is not about me saying should a pastor
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turn down a job if it's not eighty thousand dollars?
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Is that right? Is that wrong?
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Is that ungodly? Is that spiritual? Unspiritual? How should the
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people sitting in the pewfill about it? Should they offer
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more money? Like, I'm not here to get into that discussion.
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That we could do a podcast episode and all of that,
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and we could look at it from a lot of
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different perspectives. For me, I heard eighty thousand dollars a year,
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and immediately you probably know where my mind went. Okay,
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So if a church is paying a pastor eighty thousand
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dollars a year, or if they're paying a pastor seventy
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thousand dollars a year or sixty thousand or fifty thousand.
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That means a good portion of the money coming in
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to just keep the church operating goes directly to pay
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a pastor's salary. If you're paying a pastor fifty thousand,
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sixty thousand, seventy thousand, eighty thousand, ninety thousand, or even
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one hundred thousand, depending on the size of the church,
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how much of the budget just simply pays his salary.
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And then I started asking the question, you know what,
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I'm getting ready to say, Well, see what are the
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people sitting in the pew getting for fifty thousand, sixty thousand,
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seventy thousand, eighty thousand, one hundred thousand dollars a year?
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What are they actually getting? How many sermons a year
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does that even represent?
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What does that break.
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Down to to the cost per sermon? What is the
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quality of the teaching? What is the quantity of the teaching?
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If teaching is the primary thing. Now, again, if you're
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a sacramental church, well then you're paying for that pastor
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to be ordained so that he then has the spiritual
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authority to administer the sacraments, which you drastically need for
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your Christian line. But if you're not a sacri mental church,
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then the only thing that pastor can really offer other
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than maybe some counsel, right, I guess he could hang
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out and be your friend, but for the most part,
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you are paying him to provide you teaching from the
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Word of God. Well, how much teaching are you getting
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for sixty seventy eighty thousand dollars a year? So I
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started looking up and trying to.
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Do a little research.
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From what we can tell from the latest statistics as
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of January twenty twenty five, average sermon average pastors, their
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average salary per pastor is around about sixty thousand. I'm
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kind of rounding it, rounding it to just a specific number.
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I think it's maybe just slightly lower, but it's about
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sixty thousand dollars per year is what the average pastor
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makes in the United States. I didn't look globally, just
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in the United States usually though. Added to that sixty
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thousand is housing and a car allowance and maybe some
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other things. So in reality that sixty thousand is actually
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a little more when you add the additional benefits that
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they may they may receive and depending on the church.
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Maybe they receive some kind of health benefits, who know,
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sometimes they don't, but there's other benefits. So it's actually
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more than sixty thousand. So and this is crazy. Churches
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in the United States allocate a significant portion of their
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budgets to pastoral and staff salaries. On average, approximately forty
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five to fifty two percent of a church's budget is
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dedicated to compensation alone. So about fifty percent, maybe even
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more than fifty percent, of all the money that comes in,
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and when the people are putting that money in the
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offering plate or they're sending it via their bank account,
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over fifty percent just goes to southes. That's it.
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Fifty Now, pastors can stand up behind the.
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Pulpit and say, you need to give to show your
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love for God, and you need to be a good
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steward of the money you give, and you give your
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tithes and offerings to God, and you do it for God,
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and you do it for God, and about fifty percent
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of what you're putting in that offering plate is coming
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into my pocket. That would be more genuine, right, Not
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that you're doing it for God. You're ultimately doing it
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for me and guess what. The people in the congregation
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know they're doing it for him. So, in a roundabout way,
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we pay your salary, you work for us. Whether it's
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ever explicitly stated, everyone kind of knows the game over.
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In some cases, over fifty percent of the budget just
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goes for his salary.
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That's that's crazy.
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And again I would say, what are you getting for that?
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What are you getting for that? What are you getting
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for eighty.
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Thousand, seventy thousand?
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Now, now I did some and this was from church
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salary dot Com. I looked at a number of different
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places also utilized AI. Given this, if a church spends
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between sixty thousand to seventy thousand annually on a pastor's salary,
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it suggests that the church's total annual operating budget would
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be somewhere between one hundred and fifteen thousand and one
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hundred and fifty five thousand.
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That means, on average, for a church.
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Just to stay open, just for operating costs, you're gonna
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pay one hundred and fifteen thousand to one hundred and
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fifty five thousand just to keep the church operating.
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That's all you're doing.
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All that money is coming in just to keep the building,
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just to keep the people employed.
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That's all you're doing.
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That's all the money. You forget going to God, forget
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furthering the Kingdom of God, all the stuff that we
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wrap it all up in and try to make it. Oh,
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we're doing this for this reason. We're doing that, We're
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going to reach the law. You're just doing it to
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keep the building operating and to have someone actually working there,
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called a pastor or a youth pastor, or an associate
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pastor or anything along those lines.
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Just think about that one.
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Hundred and fifty five thousand dollars a year to keep
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a church operating. Now you can just consider your church.
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Let's say your church is taking one hundred and fifty
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five thousand to operate. I want you to consider the
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quantity and the quality of teaching you are receiving for
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one hundred and fifty five thousand dollars. I want you
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to consider the quality and the quantity of teaching you're
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receiving for one hundred and fifteen thousand. If we go
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in the lower end. Beyond salaries, churches incur various operational expenses. Typically,
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facilities and operations account for twenty to thirty percent, so
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if fifty percent, around fifty percent is just a pastor's salary, well,
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then you go almost up to thirty percent for everything else.
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That's sixty seventy eighty percent.
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I had, you know, I had to count it out.
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I know you're you're laughing at me.
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It's math about eighty percent then of the total budget
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just goes to salaries and the building, for crying out loud,
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eighty percent.
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Just to keep the building going.
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If you then if you had covering costs such as mortgage, rent, utilities, maintenance,
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and insurance would be added in that. You know about
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thirty percent. Program expenses, including funds allocated for ministries like
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children's ministries, youth ministry, and adult programs, constitute around ten
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percent of the budget. So when you finally get to
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actual ministries, when you actually get to you know, teaching
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and maybe materials, you're down to ten percent of your budget.
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Everything else is going to just the building. Everything else
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is just going to someone's salary before you even get
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to an actual ministry, and in many cases those additional ministries.
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Have you ever noticed this. The pastor may be making
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seventy or eighty thousand dollars a year, but in many cases,
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those other ministries, they're being led and taught by people
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not getting paid a dime. They go home, they go
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to work, they go home, and they got to put
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together the Sunday School lesson or the small group lesson.
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They're not getting paid for it. The pastor is getting paid.
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And many cases the pastors don't even teach Sunday school.
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