Daily Devotions for Busy Lives

What to Do When You're Drowning in Debt

6 min · 16. juni 2026
episode What to Do When You're Drowning in Debt cover

Description

Debt is never only a math problem; it steals your sleep and loads on shame, convincing you to hide instead of ask for help. This episode looks at what God offers a person who's drowning in what they owe, and the deliberate path toward getting free. Debt is never only a math problem. It's the thing you turn over at 2 a.m. when you can't sleep, the knot in your stomach when an unknown number calls. And worse than the numbers is the shame: the sense that you should have known better, and that you'd better not let anyone find out. That shame often does more damage than the balance does, because it isolates you at the exact moment you need help the most. It convinces you that you're the only one in this spot, which is almost never the case. Dave Ramsey knows that ground from the inside. By 26 he had a net worth over a million dollars and a six-figure income, with the Jaguar and the real estate to match. The catch was that the whole thing was built on short-term debt. When the banks called those loans, he had 90 days to come up with millions he didn't have. He fought it for two and a half years, and in September 1988 the Ramseys filed for bankruptcy, on the same day the sheriff was set to haul off their furniture, including the crib their daughter still slept in. He hadn't told a soul what was happening. What he found at the bottom surprised him. He said he came to know God there in a way he never had on the way up. Scripture had described his situation long before he lived it. Proverbs 22:7 says the borrower is servant to the lender. It's a plain description of how debt works: when you owe money, the lender has a claim on you, and your paycheck is spoken for before it ever arrives. God gives that verse to name what you already feel, so you'll take it seriously enough to start getting free. There's no shame in it. Here's the encouraging part. What God offers someone in this spot is wisdom. He doesn't ask how you got here before He helps. He gives the next right step and stays with you for the long, unglamorous road out, because getting free of debt is slower than anyone wants. Many people, Bart and his wife included, have used the debt snowball to get there: list your debts smallest to largest, and attack the smallest one first while keeping the minimums going on the rest. As each debt falls, you roll its payment to the next. The momentum of an early win is what keeps you going. It's a series of unremarkable, disciplined months, but it works. In this episode, Bart speaks from his own experience of climbing out of debt more than once, and points to the God who meets people at the bottom and never shames them for being there. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: * Why debt is never only a financial problem, and what the shame does to a person * What Proverbs 22:7 names about the weight of owing, without condemning you for it * A practical, momentum-building way to start digging out What you owe doesn't get to decide what you're worth. God meets you with wisdom and His presence, and the way out comes one payment at a time. Share This Episode: https://www.dailydevotionsforbusylives.com/261 [https://www.dailydevotionsforbusylives.com/261] Need Prayer? Leave me a voicemail: https://www.dailydevotionsforbusylives.com/voicemail [https://www.dailydevotionsforbusylives.com/voicemail] Want to keep these devotions coming? Please consider supporting this podcast. https://www.dailydevotionsforbusylives.com/support/ [https://www.dailydevotionsforbusylives.com/support/] Rate and Review https://www.dailydevotionsforbusylives.com/reviews/new/ [https://www.dailydevotionsforbusylives.com/reviews/new/] Connect with Bart Facebook Page: https://www.facebook.com/dailydevotionsforbusyliveshttps://www.facebook.com/dailydevotionsforbusylives [https://www.facebook.com/dailydevotionsforbusylives] Website: https://www.dailydevotionsforbusylives.com/https://www.dailydevotionsforbusylives.com [https://www.dailydevotionsforbusylives.com] Feeling spiritually drained? Start here. Download your free copy of my eBook Making Time for Jesus https://daily-devotions-for-busy-lives.kit.com/b33aa395d1here: https://www.dailydevotionsforbusylives.com/subscribe [https://www.dailydevotionsforbusylives.com/subscribe]. Mentioned in this episode: Join Our Private Facebook Community If you're looking for a place to connect with other Daily Devotions listeners and pray for each other, I'd love for you to join our private Facebook community group. Come find us at https://www.dailydevotionsforbusylives.com/group

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271 episodes

episode When You've Been Wrong About Something Important artwork

When You've Been Wrong About Something Important

Sooner or later, most thinking Christians discover they were wrong about something they were sure of, and it feels like a small earthquake. This episode looks at the strange grace of changing your mind, and why being corrected, like Saul on the Damascus road, is one of the kindest things God does. Sooner or later, most of us realize we were wrong about something we were certain of: a position we defended, or a verse we'd read one way for years. The discovery can feel like a small earthquake. It isn't only that one belief that shifts. Suddenly you're aware that if you were that sure and that wrong here, you might be wrong about things you've never even questioned. The ground feels less solid than it did an hour ago. Tom Tarrants knew that kind of certainty before it cracked. As a teenager in 1960s Alabama, he was sure he was defending a Christian America, and that conviction led him into the Ku Klux Klan and, eventually, to a Mississippi prison cell with a thirty-year sentence. Even caught and nearly killed, he wasn't sorry. The change came later, alone in a cell with nothing to do but read. He picked up the Bible he thought had been on his side and met a Jesus he had never paid attention to, one who told him to love the very people he had spent his life hating. The certainty he had held like a weapon finally cracked, and the man who left that prison went on to co-pastor a church of the people he once called enemies. It's the oldest pattern of grace there is. In Acts 9, Saul was breathing out threats, certain he was serving God as he hunted down Christians, until a light put him flat on the road and a voice asked, "Why are you persecuting me?" He didn't reason his way to a better position. He was knocked down and made to see what he had refused to see, and that was a mercy. He was sincerely, religiously wrong, certain his harm was holy, and the most loving thing God could do was stop him cold. We don't usually think of correction that way. Being wrong feels like failure, a crack in our credibility. But for someone who loves the truth more than being right, the moment you finally see your error is a door, the light getting into a room you'd kept locked. The people who keep growing their whole lives are the ones who hold their certainties with an open hand: sure of Christ, and humble about the rest. In this episode, Bart speaks from 56 years of following Jesus, including the experience of reading the Bible as if for the first time and rethinking things he had believed for years. He names a freeing humility, that there are things we're each sure of now that we'll get to heaven and find we didn't have quite right, while holding firmly to the one thing none of us can afford to be wrong about: the gospel, salvation by grace through faith alone in Jesus Christ. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: * Why discovering you were wrong can feel like the ground shifting under your feet * What Saul's experience on the Damascus road reveals about the mercy of correction * How to hold your convictions with an open hand while staying anchored in the gospel Being wrong and finally seeing it is one of the doors God walks through. Hold your certainties with an open hand: sure of Christ, and humble about the rest. Share This Episode: https://www.dailydevotionsforbusylives.com/270 [https://www.dailydevotionsforbusylives.com/270] Need Prayer? Leave me a voicemail: https://www.dailydevotionsforbusylives.com/voicemail [https://www.dailydevotionsforbusylives.com/voicemail] Want to keep these devotions coming? Please consider supporting this podcast. https://www.dailydevotionsforbusylives.com/support/ [https://www.dailydevotionsforbusylives.com/support/] Rate and Review https://www.dailydevotionsforbusylives.com/reviews/new/ [https://www.dailydevotionsforbusylives.com/reviews/new/] Connect with Bart Facebook Page: https://www.facebook.com/dailydevotionsforbusyliveshttps://www.facebook.com/dailydevotionsforbusylives [https://www.facebook.com/dailydevotionsforbusylives] Website: https://www.dailydevotionsforbusylives.com/https://www.dailydevotionsforbusylives.com [https://www.dailydevotionsforbusylives.com] Feeling spiritually drained? Start here. Download your free copy of my eBook Making Time for Jesus https://daily-devotions-for-busy-lives.kit.com/b33aa395d1here: https://www.dailydevotionsforbusylives.com/subscribe [https://www.dailydevotionsforbusylives.com/subscribe].

29. juni 20267 min
episode The Slow Climb Back from Burnout artwork

The Slow Climb Back from Burnout

Burnout rarely announces itself; you can live in survival mode for a year or two before you notice how depleted you've become. This episode looks at the slow climb back, and why recovery starts the way Jesus prescribed it for His worn-out disciples: with rest you don't have to earn. Some stretches of life shrink down to one goal: just make it to the end of the day. Maybe a crisis dropped you there. Maybe caregiving did, the grind of being responsible for someone around the clock. The strange thing about survival mode is that it works at first. You lower your head and push through. Then one day it stops working, and it can take a long time to notice. By then you've been running on empty for a year or two, and you can't remember the last time you felt like yourself. Patricia Benamon hit that wall as an emergency room nurse. When the pandemic surged, she took travel assignments far from home, sleeping some nights on an air mattress, working shifts so relentless she would go 10 hours without a break or a meal. Slowly, a knot of dread and a sense of defeat settled in. She loved nursing, yet she was running on empty, and she came to what she calls the end of herself, the point where there's nothing left in the tank. What she found there surprised her. She found God already present, waiting for her to stop long enough to ask for help. Jesus saw this coming in His own disciples. They had been healing and teaching, pouring themselves out for crowds that never thinned. In Mark 6:31 He told them, "Let's go off by ourselves to a quiet place and rest awhile," because there were so many people coming and going that they didn't even have time to eat. Notice what He prescribed for depleted people: rest, with no time limit attached, and a meal. That is the picture of recovery, and it's gentler than most of us would write for ourselves. Your way back from burnout starts the same way. Not by trying harder, but by stopping, by letting yourself be fed and refilled by God and the people He has placed around you. It's worth naming that some of what Patricia faced was compassion fatigue, the particular wearing-down that comes from absorbing other people's pain day after day. It's a cousin of burnout, common in caregivers and first responders, and the road back runs through the same door: you stop pouring out long enough to be poured into. In this episode, Bart speaks openly about hitting full burnout twice in his years of ministry, and how recovery came only as he turned back to God and trusted the calling God had placed on his life. Patricia's way back came as she let her faith and her church community hold her up. The climb is rarely fast, but it begins where Jesus began it for His disciples: come away and rest. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: * Why burnout can run for a year or more before you recognize it * What Mark 6:31 reveals about how God treats depleted people * The difference between burnout and compassion fatigue, and why the way back is the same The climb back from burnout begins with rest you don't have to earn and a God who feeds you. You stop pouring out long enough to be poured into. Share This Episode: https://www.dailydevotionsforbusylives.com/269 [https://www.dailydevotionsforbusylives.com/269] Need Prayer? Leave me a voicemail: https://www.dailydevotionsforbusylives.com/voicemail [https://www.dailydevotionsforbusylives.com/voicemail] Want to keep these devotions coming? Please consider supporting this podcast. https://www.dailydevotionsforbusylives.com/support/ [https://www.dailydevotionsforbusylives.com/support/] Rate and Review https://www.dailydevotionsforbusylives.com/reviews/new/ [https://www.dailydevotionsforbusylives.com/reviews/new/] Connect with Bart Facebook Page: https://www.facebook.com/dailydevotionsforbusyliveshttps://www.facebook.com/dailydevotionsforbusylives [https://www.facebook.com/dailydevotionsforbusylives] Website: https://www.dailydevotionsforbusylives.com/https://www.dailydevotionsforbusylives.com [https://www.dailydevotionsforbusylives.com] Feeling spiritually drained? Start here. Download your free copy of my eBook Making Time for Jesus https://daily-devotions-for-busy-lives.kit.com/b33aa395d1here: https://www.dailydevotionsforbusylives.com/subscribe [https://www.dailydevotionsforbusylives.com/subscribe].

26. juni 20266 min
episode What to Do When You're Feeling Sorry for Yourself artwork

What to Do When You're Feeling Sorry for Yourself

Self-pity is one of those things you can be deep into without recognizing what it is, until every thought circles back to you and how unfair things feel. This episode shows how to name it and break its hold by lifting your eyes off yourself and onto what God has done and who still needs you. Self-pity is sneaky. You can be neck-deep in it and never name it for what it is. Maybe you're worn out, or something painful happened and you have every right to be hurt. Either way, the mind drifts toward the long list of reasons you have to feel sorry for yourself, until every thought circles back to you and how unfair things are. It rarely announces itself. It just takes over the narration. The Bible has an almost comic picture of this, and it stars a prophet. God had just spared the city of Nineveh, and Jonah, who had been sent to warn them, was furious that God showed them mercy. In Jonah 4, God answers all of Jonah's drama with a calm question, asking whether it is right for him to be so angry. A whole city was just rescued, and all Jonah can talk about is his own disappointment. Then it shrinks further. God gives him a plant for shade, and when it dies the next day, Jonah sinks lower and says he would rather be dead. He is grieving a shrub while a hundred thousand people barely cross his mind. That is the problem with self-pity in one scene. It shrinks the picture down to you, until a dead plant feels bigger than a rescued city. Your pain may be valid; Jonah's discomfort was. The trouble is that the lens has zoomed so far in on you that nothing else fits in the shot. The way out is the one thing self-pity cannot survive: you lift your eyes, off yourself and onto what God has already done and who around you still needs you. J.R. Martinez learned this in a burn ward. At 19, he was pulled from a burning Humvee in Iraq with burns over more than a third of his body, and the day he first saw his own face, he sank into anger and the endless question, why me. Then a nurse asked him to visit another patient down the hall who had stopped talking to anyone. J.R. didn't think he had anything to offer, but he went, and as he spoke he watched something lift in a stranger. For the first time since the fire, he wasn't thinking about his own face. He started visiting patients every day, and he would later say God opened up a whole new world for him in that hospital. In this episode, Bart is candid about his own long history with self-pity, and the realization that every time he gave in, the subject was always himself. The turn came when he lifted his eyes off his situation and onto Jesus and his calling. Gratitude widens the frame, and so does service. The moment you remember someone who needs what you have, you stop being the only one in the picture. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: * Why self-pity is so easy to slip into without recognizing it * What Jonah sulking under a withered plant reveals about self-focus * A two-step way out: name it, then lift your eyes off yourself Self-pity shrinks the world down to you. The way out is to lift your eyes, onto what God has done and who still needs you. Share This Episode: https://www.dailydevotionsforbusylives.com/268 [https://www.dailydevotionsforbusylives.com/268] Need Prayer? Leave me a voicemail: https://www.dailydevotionsforbusylives.com/voicemail [https://www.dailydevotionsforbusylives.com/voicemail] Want to keep these devotions coming? Please consider supporting this podcast. https://www.dailydevotionsforbusylives.com/support/ [https://www.dailydevotionsforbusylives.com/support/] Rate and Review https://www.dailydevotionsforbusylives.com/reviews/new/ [https://www.dailydevotionsforbusylives.com/reviews/new/] Connect with Bart Facebook Page: https://www.facebook.com/dailydevotionsforbusyliveshttps://www.facebook.com/dailydevotionsforbusylives [https://www.facebook.com/dailydevotionsforbusylives] Website: https://www.dailydevotionsforbusylives.com/https://www.dailydevotionsforbusylives.com [https://www.dailydevotionsforbusylives.com] Feeling spiritually drained? Start here. Download your free copy of my eBook Making Time for Jesus https://daily-devotions-for-busy-lives.kit.com/b33aa395d1here: https://www.dailydevotionsforbusylives.com/subscribe [https://www.dailydevotionsforbusylives.com/subscribe].

25. juni 20267 min
episode When You've Wanted Children and It Hasn't Happened artwork

When You've Wanted Children and It Hasn't Happened

Wanting children when it hasn't happened is its own kind of grief, often invisible to others and strangely lonely in a church that celebrates babies. This episode looks at how God meets that ache, the way He met Hannah at the temple, and why your sorrow is never hidden from Him. Some grief comes with no funeral and no casserole, and the longing for a child you can't have is one of the deepest of them. Couples spend years trying for a baby that never comes. Women lose pregnancies without warning, sometimes more than once. Behind it is the slow realization that this part of life may not look the way you pictured, and the ache of it is mostly invisible to the people around you. Church, of all places, can be one of the loneliest rooms to feel it in, because church culture knows how to celebrate babies far better than it knows how to grieve with the ones who don't have them. Chelsea Patterson Sobolik grew up wanting more than almost anything to be a mom. In her early twenties, a doctor's visit she expected to be routine ended with a diagnosis: a rare condition meaning she would never bear a child of her own. She was in church circles full of baby dedications and pregnancy announcements, and she found there was almost no language for the woman in the third row whose body never would. Rather than walking away from God, she brought Him the raw version of her grief. Scripture does not flinch from this. In 1 Samuel 1, Hannah wanted a child and couldn't have one, and when she finally prayed, she didn't tidy it up. She wept with such abandon, her lips moving and no sound coming out, that Eli the priest assumed she was drunk. He misread her completely. God didn't. He saw what Eli missed and received a prayer too raw for words. That's the invitation here: you don't have to bring God a composed version of this grief, or make peace with it first. You can bring Him the unedited ache, even the envy you feel at the next announcement, and He receives it the way He received Hannah's. What holds here, whatever happens, runs deeper than whether a baby comes. Sometimes the longing is met, through birth or through a door like adoption you haven't opened yet. Sometimes it isn't, at least not the way you pictured. Either way, God sees you, in the exam room and in the third row, and His eyes are on a grief the rest of the world walks right past. In this episode, Bart speaks from a place close to his own family, where his daughter's first baby was stillborn, and from years of counseling couples who couldn't have children naturally. Chelsea didn't get a medical reversal. Years later she and her husband adopted a little boy, and the love for her son and the old longing live in the same heart now. What she'll tell you is that she was seen the whole way through, by a God her grief was never invisible to. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: * Why infertility and pregnancy loss are a real grief, even when no one else can see it * What Hannah's unfiltered prayer shows about bringing God your rawest pain * Why being seen by God matters whether or not the longing is ever met Whether or not the longing is met the way you hoped, your grief is not invisible to God. He sees you, and He is near. Share This Episode: https://www.dailydevotionsforbusylives.com/267 [https://www.dailydevotionsforbusylives.com/267] Need Prayer? Leave me a voicemail: https://www.dailydevotionsforbusylives.com/voicemail [https://www.dailydevotionsforbusylives.com/voicemail] Want to keep these devotions coming? Please consider supporting this podcast. https://www.dailydevotionsforbusylives.com/support/ [https://www.dailydevotionsforbusylives.com/support/] Rate and Review https://www.dailydevotionsforbusylives.com/reviews/new/ [https://www.dailydevotionsforbusylives.com/reviews/new/] Connect with Bart Facebook Page: https://www.facebook.com/dailydevotionsforbusyliveshttps://www.facebook.com/dailydevotionsforbusylives [https://www.facebook.com/dailydevotionsforbusylives] Website: https://www.dailydevotionsforbusylives.com/https://www.dailydevotionsforbusylives.com [https://www.dailydevotionsforbusylives.com] Feeling spiritually drained? Start here. Download your free copy of my eBook Making Time for Jesus https://daily-devotions-for-busy-lives.kit.com/b33aa395d1here: https://www.dailydevotionsforbusylives.com/subscribe [https://www.dailydevotionsforbusylives.com/subscribe].

24. juni 20267 min
episode What to Do When Family Gatherings Are Stressful artwork

What to Do When Family Gatherings Are Stressful

Most families have at least one person or one dynamic that makes the holidays more tense than the greeting cards suggest, and you can feel braced before you sit down. This episode looks at how to move from keeping a fragile peace to making it, starting with prayer long before the gathering does. Almost every family has at least one person, or one dynamic, that makes getting together more stressful than the photos suggest. The brother-in-law who needles you about politics until you say something you regret. The sibling you haven't really spoken to in years, now sharing a kitchen with you and pretending it's normal. By the time you sit down at the table, you're already braced. You've run the scenarios and decided which comments you'll let slide. That's an exhausting way to love your own family, and it's more common than the cheerful holiday images let on. Julie Plagens knows the extreme version. She grew up in a Dallas home that looked spiritually buttoned-up, with a father who pastored two megachurches. Then she and her husband walked away from the faith and the family both, and the bitterness she held toward her parents and God knotted her up so badly it showed up in her body as Crohn's disease. She spent seven years away. When she finally felt called back, the bridges were gone, too much had been said, and nobody was willing to budge. So she did the one thing left to her. She set aside two days to fast and pray, trusting a God who raises the dead to breathe life into a relationship that looked finished. Two days in, her father called and extended an olive branch. Jesus spoke a blessing over people who step into this kind of tension. Matthew 5:9 says God blesses those who work for peace, for they will be called the children of God. The word matters: He blessed the peacemakers, which asks more of us than peacekeeping does. Peacekeeping is biting your tongue and managing the room so nothing blows up; it holds a fragile calm and costs you something every time. Peacemaking is active. It moves toward what's broken to put it back together, which is slower work and far more like what God does. Here's the part worth being clear-eyed about. Your difficult relative probably won't change because you held your peace one more year. But the dynamic between you can start to shift when you do something different on your end, when you pray for that person by name instead of dreading them. It's difficult to keep seeing someone as the enemy while you're asking God to bless them. The dread loosens, your guard comes down, and sometimes the other person feels the change before they understand it. In this episode, Bart is candid that his own family gatherings have been calm, a gift he doesn't take for granted, and he draws on years of counseling people for whom they are anything but. The encouragement is practical: the work of peace usually starts on your knees, long before you reach the table. You do the working. You let God make the call. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: * Why most family tension is more common than the holiday images admit * The difference between keeping the peace and making it, and why it matters * How praying for the relative you dread can change the dynamic between you You can't control how everyone behaves around the table, but you can be the one who works for peace. That work usually starts in prayer, long before the gathering does. Share This Episode: https://www.dailydevotionsforbusylives.com/266 [https://www.dailydevotionsforbusylives.com/266] Need Prayer? Leave me a voicemail: https://www.dailydevotionsforbusylives.com/voicemail [https://www.dailydevotionsforbusylives.com/voicemail] Want to keep these devotions coming? Please consider supporting this podcast. https://www.dailydevotionsforbusylives.com/support/ [https://www.dailydevotionsforbusylives.com/support/] Rate and Review https://www.dailydevotionsforbusylives.com/reviews/new/ [https://www.dailydevotionsforbusylives.com/reviews/new/] Connect with Bart Facebook Page: https://www.facebook.com/dailydevotionsforbusyliveshttps://www.facebook.com/dailydevotionsforbusylives [https://www.facebook.com/dailydevotionsforbusylives] Website: https://www.dailydevotionsforbusylives.com/https://www.dailydevotionsforbusylives.com [https://www.dailydevotionsforbusylives.com] Feeling spiritually drained? Start here. Download your free copy of my eBook Making Time for Jesus https://daily-devotions-for-busy-lives.kit.com/b33aa395d1here: https://www.dailydevotionsforbusylives.com/subscribe [https://www.dailydevotionsforbusylives.com/subscribe].

23. juni 20267 min