Excerpt from Sandra Dillon’s 2017 El Salvador Mission Journal
March 6, 2017
How many of you have hung out with the homeless? Serving and eating a meal with them? Fellowshipping and praising God with them? Well, Kate and Nate Stal gave Darin and me the opportunity to walk into their ministry by helping set up Motel Church this Sunday in the parking lot of an old strip mall on FM 1960. Many homeless live next to the “Motel” or the old Century 21 building nearby. Because Motel Church has had to flex where they set up on the first Sunday of the month, they have kiddingly dubbed this church the Parking Lot Church.
So how does Motel Church have any connection with our upcoming mission trip to El Salvador? God is always creative in how he speaks into my life. As I wrote in the last journal entry, God wrote the first book that culminated with the design and launch of World Changers on Mission (WCoM). I wrestled with whether God would start a second book in the series, and if so, I questioned how a repeat mission trip to El Salvador with LWI would begin the first chapter. I believe I have an inkling on what God might be scripting based on what He showed me during our two hours in church. Before I unpack His message, I want to share with you my experience as contextual background.
Motel Church entered my personal world when Matt and Holly Smith invited Kate and Nate Stal to a World Changers on Mission meeting. Darin and I specifically wanted to hear more about the call that God had put on Kate’s heart—bringing church to the homeless. After hearing her stories over dinner, we decided to step into Kate’s world. Kate’s passion was contagious, and we wanted to provide support to someone who was making personal sacrifices to follow God’s call. Rain or shine, Motel Church was holding service.
We met in the parking lot of a dilapidated but functioning strip mall which sat next to the motel where some of the homeless were staying. You might call this motel a flophouse. Other homeless church members had been living at an abandoned Century 21 building, but recently a fence had been installed around the property to prevent squatters. When we arrived at the strip mall, the parking lot was sporadically full with parked cars owned by those who were attending either one of two small churches located inside. The only sufficient parking area to set up tables was near the dumpster, which adjoined another building open for business. Kate was nervous to set up the church so close to the business in the event the owners decided to call the cops. What an awful feeling to think we could not hold church because of the fear of prosecution.
After the business owner gave us his blessing, we waited for Nate to arrive with supplies and food, so we could set up church. Kate knew many of the homeless members, so we engaged in conversation. Darin and I offered them drinks from our cooler, and we arranged tables, chairs, and placed Biblical resources on the tables. What I loved was how some of the homeless men helped. Kate did not know how many members would come to church because of the looming threat of rain and the fact that some had dispersed when the fence went up around the Century 21 building. Previously, they had as many as 30 attend this small Parking Lot Church. From my perspective, the numbers did not matter! God would bring the perfect number! As several more church members arrived, the volunteers started to serve plates of home-cooked food.
As we broke bread together, I was intrigued by the stories shared by James and Amy, a husband and wife, who lived in the woods behind the motel in a 3-bedroom tent. They had previously owned a much larger tent but had to downsize to a smaller one for some undisclosed reason. Before they could share more, dark clouds opened their flood gates, so we picked up the tables, chairs, and food and moved them under the shallow protective overhang that provided a sheltered walkway for the storefronts. We traded in our chairs and tables to sit on concrete planter boxes with plates on our laps. A few more folks arrived. Darin and I happened to strike up a conversation with Miss Karen, a woman in her 60’s, who had on a McDonald’s employee uniform. She lived in Greenspoint and took a bus to the stop in front of the strip mall, so she could then walk across the street to the McDonald’s where she worked. When she got off the bus, Miss Karen saw our church, was intrigued, and eventually came over to find out more. I asked her if she lived in Houston all her life, and after saying she was originally from Louisiana, she started to pull out old photos from a Ziploc bag. Some photos were over 50 years old and showed herself and her twin sister when they were young. She and her twin were separated at 9 years, when they went into the foster care system. She never saw her sister until she decided to search for her as an adult. This search brought her to Houston many years before. Miss Karen’s story was painful to hear, yet she spoke of it as if she expected nothing less of life. What was amazing is how she carried her most prized positions with her—these photo memories.
Jason started our church service with the third chapter in the book of James. What I loved was how everyone participated. Chris, one of the homeless church members who would not partake of any of the food, read some of the verses. Although Jason led the sermon, many people participated in the Scriptural discussion, vulnerably sharing their own testimonies. A youth worship team, who cancelled a few days before, left us without a praise and worship agenda. However, that did not stop one of the homeless men, who was enthralled with the message of James 3, to put his plate aside, rise, take the mic, and sing A Cappella about how God’s not dead. These few stories provide just a flavoring of what it was like to worship with Motel Church. God kept nudging me with thoughts of Motel Church and El Salvador. What do you want me to see, God?
God whispered that this is how he meant us to church. I like to refer to it as a virtual church. Matthew 18:20 describes church in its simplest version “For where two or three are gathered in my name, there am I among them” (ESV). Motel Church was beautiful, because it reflected church in its simplest design. A church is not a building but the gathering of those who are united in belief. Recently, God has been tugging on my heart to re-read the Book of Acts, which describes the formation of the early church after Jesus ascended into heaven to be with the Father. As described in Acts 2:46-47, “…breaking bread from house to house, they were taking their meals together with gladness and sincerity of heart, praising God and having favor with all the people…” (NASB).
I have walked in severe material poverty in third world countries, but surprisingly not spent the same amount of time in similar poverty situations in my own country. On a relative scale, you might consider the American homeless as one of our more extreme poverty populations. I found it strange how two active churches in the same strip mall were holding services, yet the homeless were not or did not feel welcome. Walls can create boundaries that separate and protect those who are behind closed doors. Are our church walls creating boundaries that separate the body of Christ? On the other hand, does the concept of a virtual church help prevent the slow and insidious behaviors of putting up walls of exclusion? What resonated with me was how active and participatory church could be in the virtual. Everyone was free to contribute and participate. In comparison, a church with four walls tends toward passive participation where the congregation sits and is fed from a pastor.
On our last trip to El Salvador, God told me that every one of us is equipped in some way where we stand, regardless of the newness of our faith. Jason was equipped to lead the sermon, and many of the homeless felt equipped to read from the Bible and contribute their testimonies and views. WCoM speaks to how church, business, and mission are integrated with connectivity, dignity, and the knowledge and faith that one is equipped. I have a feeling that God wants to show me a vision of church and has tied an element of this message with our mission trip to El Salvador. Perhaps the next book will speak to what the church should look like, how it should operate, and what it was intended to achieve. I am reminded of the Book of Revelation, where a unique message was delivered to each of the seven early churches. Each letter defined for the church how it was viewed through God’s eyes, a challenge or reproach, and a promise. In today’s climate of conflict and judgment, providing an environment where people from all walks of life can come together to share in the common bond of the love of Christ is one of the best strategies that I know of to grow the church. Only seven short months before mission departure! A lot can happen in seven months!
December 15, 2016
The flip side of that question is “Does your college debt make you less attractive to date or marry?” Many want to believe the most important ingredient to a happy and fulfilled marriage is love, because true love can overcome the normal struggles endured by marriages over their lifetimes. These same people would also like to believe that college debt should be immaterial to the decision with whom you spend the rest of your life—after all, the right person is the right person, no matter what the circumstances. I would propose that love is a choice—a choice to fall in love with someone with whom you can create a successful life. If this holds true, I would wager that most successful people are not necessarily looking for partners with money but for spouses who make sound financial decisions. Why? Because fiscal literacy and responsible financial stewardship are extremely helpful in developing a solid marriage foundation from which to move forward in individual life calling and marriage purpose.
Overwhelming college debt can sap energy and joy, as well as interfere with life calling, because significant resources are funneled to pay off those loans—making it feel like one is dragging around a ball and chain for ten years. Not even personal bankruptcy can dissolve this financial burden—a lifetime sentence until it is repaid. I am neither advocating for or against pursuing a college degree, and these words come from a chemical engineer with an MBA, who will also receive her second masters in life coaching in 2017. I believe a college education can open more doors for career and job choices as well as develop new worldviews, critical thinking, discipline, commitment, friendships, and a sense of community. However, I am recommending that before taking on any debt that everyone understand what they are called to do, how post-secondary education will support that purpose, and then using sound judgment to determine the best path forward. Approaches can include community college, part-time vs. full-time, scholarships, employer incentives, military benefits, etc. You may ask how did I pay for my education? I focused on good grades, worked when not studying, saved, sacrificed, applied for scholarships and loans, and was rewarded with grants and reasonable loans to pair with my savings the first time. The second time I worked full-time while going for my graduate degree part-time, taking advantage of my employer’s partial tuition reimbursement benefit in conjunction with my savings. The third time around I worked and saved for my full tuition, hence my return to college at 53 years old.
Mentoring and coaching high schoolers and young adults, I often see them struggle with evaluating and deciding how to afford a college education. Surprisingly, many of these students are encouraged by their parents to apply and attend universities above their collective financial means. The parents and students alike are swept up in the hype that a college education is the gateway to a successful life—the more prestigious the school, the better, and whatever debt is required to achieve that dream is worth it. With this momentum and the euphoria of acceptance letters, it becomes difficult to bring good judgment and reasonable thought in deciding whether to pursue a degree, what degree, its timing, and how to pay for it.
The sad reality—burdensome college debt has stalled many young degreed graduates who cannot turn back time. They are drowning in debt that cannot be expunged. Consumer Reports (2016) issued a report on the impact on student debt, and the survey statistics are sobering:
- 45% of respondents said their student loan debt was not worth the cost of college
- 47% said if they had the chance to do it all over again they would accept less financial aid and go to a less expensive school
- 50% are having problems making student loan payments
With half of recent graduates wishing for a do-over or struggling with debt repayment, these statistics should be a wake-up call that the current approach in securing a diploma is broken. What are the impacts to graduates overburdened with college debt? Consumer Reports (2016) found:
- 44% cut back on daily living expenses
- 37% delayed saving for retirement or other financial goals
- 28% delayed buying a house
- 12% delayed marriage
- 14% changed careers because of student debt
In many cases, these necessary life adjustments resulted from not understanding the impact of long-debt. Although not specifically addressed in the survey, many young graduates reluctantly return home after college to live with their parents, resulting in a “failure to launch” not by personal choice. Although subsidized room and board allow these graduates to pay off college debt, they struggle with financial independence and attracting financially independent mates. Consumer Reports (2016) revealed that 44% of respondents wanted to know how much student debt a dating partner had before beginning a serious relationship with 36% and 20% of respondents saying “no” or “unsure”, respectively.
With these statistics as a wake-up call, the next question most students should ask is “How much college debt can I afford?” The general rule of thumb is a graduate can afford college debt equivalent to the first year of salary. For example, if you are pursuing a teaching degree and expect to be paid $50,000 per year as a teacher, you can commit to $50,000 of student debt. A post-graduation balanced budget should be drafted to confirm you can re-pay this debt while ensuring you can put a roof over your head, food in your mouth, clothing on your back, and the means of getting to your job to earn that income.
When I coach students and parents on personal finances, this simple matrix translates the amount of student debt into a monthly payment for 10 years at various interest levels. Some students are financing teaching degrees at prestigious 4-year universities, taking on over $100,000 of debt for a job which will only pay $50,000 per year. When asked “How will you put a roof over your head if you have to pay $1,000 a month towards school loans?” their facial expressions reflect confusion, surprise, and worry. What I find more troublesome are students who are financing college under an “undecided” major. These students usually take upwards of 5 to 7 years to graduate—incurring more debt than if they would have paused after high school, worked, figured out what degree fit their life plan, and then pursued their education over 4 years. Powell (2016) reported that the average college graduate debt is $37,000 in 2016. Many of the entry-level, non-science based jobs for these graduates do not pay that amount per year. Many graduates have no idea when their loans will be paid off.
If you think colleges are educating you on prudent decision-making and the harsh realities of debt repayment, they are not. Universities are businesses, trying to make enough money to keep their doors open. If they sign you up, the colleges will receive income through your financial aid and tuition payments. They are not incentivized to explain what debt you can and cannot afford. By default, they are operating on the concept of Caveat Emptor, translated Let the Buyer Beware!
Pursuing a college degree can be one of life’s most significant and costly decisions, because the debt you take on can have a lasting impact on your quality of life. The debt you carry can also impact your ability to attract a life partner. Many students never stop to consider all the long-term ramifications of debt choices. I encourage you to pause, think through this decision, reach out for help, and make wise choices! Your future depends on it!
Consumer Reports National Research Center (2016). College Financing Survey: 2016 Nationally Representative Online Survey. Retrieved from: http://www.consumerreports.org/student-loan-debt-crisis/degrees-of-debt-and-regret/
Powell, F. (2016). Ten Student Loan Facts College Grads Need to Know. U.S. News. Retrieved from http://www.usnews.com/education/best-colleges/paying-for-college/slideshows/10-student-loan-facts-college-grads-need-to-know
About the Author: Sandra Dillon is a business, life, and marital coach with an extensive background in business development and leadership. She coaches others in how to develop and execute life plans, develop successful businesses, and build better relationships by identifying and living their personal values, enhancing skills and competencies, and being held accountable for executing their defined goals.
I travel the world and in my community carrying my self-identity in missional living. Back in February 2016 my husband and I returned from Nairobi, Kenya from a business-as-mission themed short-term trip developed between my home church, Northisde Christian (NCC), the local church, Redeemed Gospel Church (RGC), and a non-profit Transformational Ventures (TV). Below is my final journal entry where I shared what God revealed to me in my walk with him during my time in the slums of Nairobi. My Chapter 3 as mentioned below has been written in the documentary Poverty, Inc.* The message hit me upside the head as hard as a two-by-four. After being stunned and finally picking myself up off the floor, I am processing the message in how it continues to break my paradigms about missional living and my role in developmental mission. Stay tuned for my next blog where I unfold my Chapter 3 and response. This entry provides perspective…
* Poverty, Inc. available for viewing on Netflix
Wednesday, February 24, 2016
Over the past 10 days I have rejoined my normal world. The re-entry process for every mission journey is unique, because it is a time of reflection and consideration of next steps based on experiences that challenge my thinking. Although I am fairly experienced at international mission journeys, I desire to understand what God wants to show me on any journey. God has a purpose, and I seek to understand his message and what I am to learn and do.
So spending time in my journal and reviewing all the photos and videos we took of our journey together, some of the themes that keep coming to mind are:
- Power of partnership, especially with dignity
- Relationships, not necessarily business
- Transforming lives
As I dig deeper in thought what rises to the surface is the “Power of Partnership to Transform Lives” through dignity and not charity. The words power, partnership, transform, dignity and charity will all have slightly different meanings to the reader depending on the filter by which each word is read. All 6 words by themselves are positioned for misinterpretation, so string them all together into one phrase, and I fear the concept may get messy! What does she mean by the “Power of Partnership to Transform Lives?”
I believe Redeemed Gospel Church (RGC) and Northside Christian Church (NCC) can be partners to transform lives both spiritually, emotionally, mentally and physically. When two organizations come together for a common goal, many people refer to the union as a partnership. When I refer to a union, I am careful to delineate the difference between a partnership and a relationship. A partnership brings two entities together that have a long-term vision, are joined through thick and thin, pool resources, hold each other accountable and are each valued by the other in what they can bring to the partnership. Upon closer examination many churches or non-profit partnerships have some of the above elements but not all. When one organization believes it provides more value than the other joining organization, the unspoken word is charity. For lack of a better descriptor, the dominant partner perceives it is giving away some of its value (charity) to combine into one entity. There may be a reasonable driver for this type of union, but I would not call it a partnership under those circumstances. In typical business merger and acquisition, a fair price or equity position is negotiated for the value each company may bring to a joint venture or merger.
Well placed charity is a blessing! Northside financially blesses many initiatives or mission outreaches that align with their vision, mission, and goals. Northside and RGC have a long standing relationship where Northside has brought money and people to help drill a water well on the property, put a new roof on the church, etc. Transformational Ventures has invested time and resources in helping the RGC leadership personally and organizationally. I am sure Northside will continue financial support, because they believe in what the church is trying to accomplish. All this is a blessing for the giver and receiver! As RGC, Northside and Transformational Ventures continue to make progress in its aligned goals, the word partnership seems to be mouthed more frequently. I challenge those who are speaking “partnership” to define and describe what that truly means in action. What does that look, taste and feel like tangibly?
I truly believe that RGC and Northside can be true partners in the way that I have suggested partnership, but first, both churches have to get real with what they each can and will bring to the table in the partnership. No one way contribution—charity, but two way contribution—dignity. I know this is a paradigm shift in thinking. What will RGC contribute? I’m not suggesting material resources that they don’t have? I would suggest they can help our church learn how to culturally embrace what it means to love God (worship), to love others (service and tithing), and to make disciplines of disciplines (how to spread the Gospel). Not sure we do as good a job on these endeavors as RGC. Maybe they can mentor us in a partnership? Share their best practices?
Pastor Brown and Pastor Dave are the men who will eventually decide whether RGC and Northside will truly partner by pooling their talents and resources. God has no boundaries and neither should we. If together NCC and RGC can save a 1,000 souls this year, does it matter whether they are in Africa or America or any combination of the two?
In summary, God has a reason for every mission journey, a message for every individual who chooses to venture into the field and for every person who meets the missionary. As Mohamed so purposefully said, “It wasn’t an accident; God brought us together.” I also believe when you live missionally and live out your purpose, God will reveal a bigger story over your lifetime. One mission journey may only be a chapter in a 1,000-page novel, but it may feel like you just devoured the whole book.
I believe this second trip to Kenya was another chapter in a book God wants me to read. These first chapters of a Pulitzer Prize winning novel are setting my foundation, teaching me, challenging my thoughts, and shaping my views. My first chapter, which was my first trip to Kenya with Woodlands Church, was about understanding and experiencing good developmental mission. I continue to practice developmental mission in my daily life through the Prison Entrepreneurship Program (PEP) to keep me sharpened in this area.
God had me read the second chapter of my novel when he took me to Kenya on this trip. He defined for me what true partnership has to embody for long-term sustainability—dignity! Dignity not just in actions but in heart/mind belief! People can act with dignity, but if the heart/mind is not aligned on dignity the partnership is reduced to a relationship. There is power in partnership to transform lives.
As I finish chapter 2, I am anticipating chapter 3, yet I don’t know where chapter 3 is yet. Where can I get a copy? I don’t know. Is chapter 3 another foundational learning or am I going to get to practice and take action? I have so many unanswered questions for the future. Guess you could call this a cliffhanger. As soon as I find that third chapter I’ll let you know!