Page 1 of 35

!"#$%&'()* "!#$%&'!(%)&*

+,*-./*!0!12.3$*,!45!#$63!+,.')78

9:;<=<(>!;?:@!A?BC;?!D#=<(

"#$%#!&''!(##)!*+#!,+-&(#.!/"&-)0)1.!-#&2!3#45-#!6(0)17!&)2!85(*!54!*+#!*08#!9#!(:0,!-01+*!5%#-!

&''!*+#!(8&''!,-0)*!&)2!*#&-!0)*5!*+#!0*#8!9#!9&)*!*5!(##.!*56;+.!&)2!6(#<!!"#''.!=!&8!1'&2!>56!&-#!

(*5,,0)1!&)2!-#&20)1!*+0(!3#45-#!?68,0)1!-01+*!0)*5!*+#!@6#(*05)(!54!*+0(!(*62>!1602#<!!A+#-#!&-#!

*+-##!9&-)0)1(!=!9&)*!>56!*5!3#!&9&-#!54!3#45-#!>56!(*&-*<

B0-(*!"&-)0)1C +(,-.&/(01#"*2!!D52!0(!150)1!*5!25!&!1552!95-:!0)!56-!'0%#(!E0)(#-*!-#4#-#);#!

+#-#FG.!*+#-#45-#.!H&*&)!90''!*->!&)2!+0)2#-!*+0(!4-58!+&,,#)0)1<!!I)#!54!*+#!9&>(!+#!0(!150)1!*5!

*->!&)2!20(;56-&1#!>56!0(!*5!9+0(,#-!0)!>56-!#&-.!/J#>.!'55:!&*!(5!&)2!(5.!(+#!0(!250)1!(5!86;+!

45-!*+#!K5-2.!9+&*!&-#!>56!250)1!<!<!<!>56$''!)#%#-!3#!'0:#!+#-!<!<!<!9+>!*->!<!<!<!?6(*!3#!+&,,>!90*+!

9+&*!>56!+&%#!<!<!<!+#>.!25)$*!*+0):!&356*!9+&*!>56$-#!'#&-)0)1.!3>!*+#!9&>!>56-!4&%5-0*#!AL!

(+59!0(!5)!<!<!<7!!B01+*!*+#!6-1#!*5!;58,&-#!>56-(#'4!90*+!5*+#-(<!!D52!0(!150)1!*5!25!&!1552!95-:!

0)!#&;+!54!56-!'0%#(<!!"#$''!&''!3#!1-590)1.!36*!(58#!54!6(!90''!)##2!1-590)1!0)!2044#-#)*!&-#&(<!!

D52!0(!150)1!*5!6(#!&''!54!6(.!36*!25)$*!;58,&-#!>56-(#'4!90*+!&)5*+#-!3#;&6(#!0*!90''!'#&2!>56!*5!

3#0)1!20(;56-&1#2!5-!*5!4##'0)1!,-02#46'<!!M5)$*!;58,&-#N!

H#;5)2!"&-)0)1C 3*.&"*#4%&.(&5**&%(6"&789*&#,4&.:85&;("74&4899*"*,.7%2!!"+#)!>56!+&%#!>56-!

#>#(!5,#)!*5!'0%0)1!(&;-040;0&''>!45-!O+-0(*.!>56-!'04#!0(!150)1!*5!;+&)1#<!!"+#)!>56!5,#)!6,!>56-!

9&''#*.!>56$''!3#10)!*+0):0)1!54!+59!>56!;&)!6(#!0*!45-!D52$(!1'5-><!!P56$''!-#&2!*+#!)#9(,&,#-!

&)2!3#10)!&(:0)1!>56-(#'4!04!D52!0(!;&''0)1!>56!*5!(#-%#!5*+#-(!0)!)##2<!!P56$''!1-59!0)!>56-!'5%#!

45-!Q#(6(!250)1!#%#->2&>!*+0)1(N!!P56$''!(##!*+0(!95-'2!&(!&!,'&;#!*5!(#-%#!D52!&)2!5*+#-(.!)5*!

>56-(#'4<!!P56!90''!-#&''>!1-59!0)!>56-!:)59'#21#!54!R!O5-0)*+0&)(!RSCTR.!/H5.!9+#*+#-!>56!#&*!5-!

2-0):.!5-!9+&*#%#-!>56!25.!25!&''!*5!*+#!1'5->!54!D52<7!!!

A+0-2!"&-)0)1C <(6&#"*&=*>8,,8,>&#,&#4)*,.6"*2!!K0%0)1!&!'04#!&(!&!20(;0,'#!54!Q#(6(!O+-0(*!(+56'2

)5*!3#!'0%#2!0)!2-621#->!&)2!26*>.!36*!5)#!54!2#'01+*!&)2!2#(0-#<!!J&%#!>56!#%#-!*+561+*!*+&*!

>56-!;5885)!'04#!0(!?6(*!,&((0)1!&'5)1!&)2!95)$*!&22!6,!*5!*55!86;+F!!=!+&%#.!36*!*+0(!)5*!*-6#!

45-!*+5(#!9+5!&-#!20(;0,'#(!#U;0*#2!&356*!'0%0)1!45-!Q#(6(!53#20#)*'>N!!"+#)!9#!45''59!&4*#-!

Q#(6(.!J#!0(!150)1!*5!'#&2!56-!'0%#(!259)!,&*+(!9#!)#%#-!#U,#;*#2<!!J#!0(!150)1!*5!*#&;+!6(!*+0)1(!

9#!)#%#-!:)#9!&356*!56-(#'%#(!5-!5*+#-(<!!A+#!O+-0(*0&)!'04#!0(!+&-2!&)2!;+&''#)10)1.!36*!0*!0(!&'(5!

#U;0*0)1!&)2!-#9&-20)1<!!"+#)!>56!'0%#!'04#!0)!4&0*+46'!53#20#);#!*5!D52!>56!90''!(##!9+&*!&)!

&2%#)*6-#!0*!0(!*5!'0%#!45-!J08N!!

;*.&'!$6!#$.,$!$2*!:&E*7$%,*F

Page 2 of 35

"#!9&)*!>56!*5!(##!*+0(!(8&''!1-56,!(#-0#(!&(!&)!&2%#)*6-#!54!1-590)1!0)!?5>!45-!56-!H&%05-.!Q#(6(!O+-0(*<!!

K0:#!&)>!&2%#)*6-#.!*+#-#!90''!3#!*561+!*08#(.!*+#-#!90''!3#!6)#U,#;*#2!#%#)*(.!*+#-#!8&>!#%#)!3#!&!

*08#!9+#)!>56$''!?6(*!9&)*!*5!*6-)!3&;:!&)2!(&>!'04#!0(!(5!86;+!#&(0#-!&(!=!9&(!'0%0)1!0*!3#45-#.!36*!:)59!

*+&*!*+#-#!90''!&'(5!3#!%0(*&(!*+&*!&-#!6)08&10)&3'#.!*+#-#!90''!3#!1-59*+!&(!&!;5886)0*>.!&)2!*+#-#!90''!

3#!*+#!-#9&-2!54!:)590)1!&)2!(&%5-0)1!O+-0(*!0)*08&*#'><

VQ6(*!&!@60;:!)5*#!&356*!*+#!@6#(*05)(!(#;*05)!3#'59<!!A+#!W03'#!;&''(!3#'0#%#-(!*5!*-&)(45-8!*+#0-!80)2(!!

EX58<!RYCYG!&)2!9+#)!9#!25.!0*!(+56'2!'#&2!*5!&!;+&)1#!0)!56-!*+561+*(.!90''.!2#(0-#(.!*+&*!6'*08&*#'>!

'#&2(!*5!56-!&;*05)(.!56-!95-2(.!&)2!56-!&**0*62#<!

B6,!G6%,!H)7&

R< "-0*#!259)!*+#!8&0)!,50)*!54!*+#!;+&,*#-<

&<

Y< K55:!6,!*+#!45''590)1!%#-(#(!&)2!9-0*#!259)!9+&*!*+0(!%#-(#!*#''(!6(!&356*!9+5!D52!0(<

&< R!Z#*#-!RCR[\R]!^

3< Z(&'8!RSYCRY.!Y_!^

;< J#3-#9(![CRT!^

2< M&)0#'![CT` ^

#< Z-5%#-3(!aCRT!^

4< X#%#'&*05)![CRR!^

T< X#\-#&2!b<"<!A5c#-$(!@65*#!5)!,&1#!TS<!!"+&*!0(!*+#!,6-,5(#!54!+68&)(!5)!*+0(!#&-*+!E&)2!0)!

+#&%#)GF!!"+#)!>56!'55:!&*!*+#!;+&-&;*#-0(*0;(!54!D52!0)!@6#(*05)!Y.!+59!(+56'2!*+&*!#)+&);#!

>56-!,6-,5(#!0)!'04#F!

B6,!G6%,!I*.,$

[< A&:#!5)!*+0(!(;#)&-05C!P56$%#!?6(*!(##)!Q#(6(<!I)#!54!*+5(#!;56-*-558!(:#*;+!&-*0(*(!+&(!&(:#2!

>56!*5!,+>(0;&''>!2#(;-03#!9+&*!>56!?6(*!(&9<!"+&*!25!>56!(&>F!W#!&(!(,#;040;!&(!,5((03'#<!A->!

&)2!4016-#!56*!*+#!(56-;#(!54!(58#!54!>56-!2#(;-0,*05)(<

`< d59!-#&2!X#%#'&*05)![!&)2!=(&0&+!]CR\_<!!"+&*!25!>56!*+0):!956'2!;58#!56*!54!>56-!856*+!*+#!

858#)*!>56!(&9!D52F!!"+&*!956'2!3#!*+#!40-(*!95-2(!>56!956'2!(&>F

B6,!G6%,!J)-*

]< H*5,!&)2!*+0):!&356*!*+#!'&(*!,-&>#-!>56!%50;#2<!J59!202!>56!3#10)F!"#$!%&'()$*!+)&$!,-$.*!

/)0#0*!"+&*!95-2!5-!,+-&(#!202!>56!6(#!*5!(*&-*!*+#!,-&>#-F!d59.!*&:#!&!80)6*#!&)2!;5)(02#-!

*+#!,-&>#-!>56!,-&>#2!1)2-$)!*+&*!,-&>#-<!J59!202!>56!3#10)F!H&8#!95-2!5-!,+-&(#F!M044#-#)*F!

Page 3 of 35

H5-*&!2044#-#)*!5-!-&20;&''>!2044#-#)*F!=4!>56!3#10)!&''!>56-!,-&>#-(!0)!86;+!*+#!(&8#!9&>.!&(:!

>56-(#'4!9+><

X#&2!*+#(#!95-2(!4-58!D<e<!O+#(*#-*5)C

b!;+0'2!:0;:(!0*(!'#1(!-+>*+80;&''>!*+-561+!#U;#((.!)5*!&3(#);#.!54!'04#<!W#;&6(#!;+0'2-#)!+&%#!&356)20)1!

%0*&'0*>.!3#;&6(#!*+#>!&-#!0)!(,0-0*!40#-;#!&)2!4-##.!*+#-#45-#!*+#>!9&)*!*+0)1(!-#,#&*#2!&)2!6);+&)1#2<!

A+#>!&'9&>(!(&>.!/M5!0*!&1&0)7f!&)2!*+#!1-59)\6,!,#-(5)!25#(!0*!&1&0)!6)*0'!+#!0(!)#&-'>!2#&2<!B5-!1-59)\

6,!,#5,'#!&-#!)5*!(*-5)1!#)561+!*5!#U6'*!0)!85)5*5)><!W6*!,#-+&,(!D52!0(!(*-5)1!#)561+g=*!0(!,5((03'#!

*+&*!D52!(&>(!#%#->!85-)0)1.!/!M5!0*!&1&0).7!*5!*+#!(6)f!&)2!#%#->!#%#)0)1.!/M5!0*!&1&0).7!*5!*+#!855)<!=*!

8&>!)5*!3#!&6*58&*0;!)#;#((0*>!*+&*!8&:#(!&''!2&0(0#(!&'0:#f!0*!8&>!3#!*+&*!D52!8&:#(!#%#->!2&0(>!

(#,&-&*#'>.!36*!+&(!)#%#-!15*!*0-#2!54!8&:0)1!*+#8<!=*!8&>!3#!*+&*!J#!+&(!*+#!#*#-)&'!&,,#*0*#!54!0)4&);>!

45-!9#!+&%#!(0))#2!&)2!1-59)!5'2.!&)2!56-!B&*+#-!0(!>56)1#-!*+&)!9#<!E"$'(-.-345

A5!*#8,#-!@6#(*05)!R.!-#8#83#-!*+&*!>56!;56'2!%&->!>56-!0)*-526;*5->!,-&>#-!,+-&(#!#&;+!*08#!

>56!%50;#!&!,-&>#-!&)2!(*0''!)5*!*&,!0)*5!*+&*!#*#-)&'!&,,#*0*#!54!0)4&);>!54!4-#(+)#((!*+&*!B-&);0(!

O+&)!*&':(!&356*!0)!6$&74!,-8)<!"+&*!95-2!90''!>56!;+55(#!*5!(*&-*!>56-!)#U*!,-&>#-F!

_< J59!9&(!>56-!-#'&*05)(+0,!90*+!D52!&)2!>56-!,-&>#-!'04#!2044#-#)*!*+0(!9##:F!!=4!0*!9&()$*!

2044#-#)*!#)561+.!+59!956'2!>56!'0:#!*5!(##!0*!;+&)1#F

12.KK*78*!-6,!$2*!9**L

Z0;:!5)#!2&>!*+0(!9##:!&)2!&(:!D52!*5!(+59!>56!&)!&(,#;*!54!9+5!J#!0(<!!P56!;&)!'55:!&*!@6#(*05)!*95!

45-!(58#!54!D52$(!&**-036*#(<!!B5-!#U&8,'#.!&(:!J08!*5!(+59!>56!+59!J#!0(!;-#&*5-<!!b)2!*+#)!

*+-561+56*!*+#!2&>.!:##,!>56-!#>#(!&)2!#&-(!5,#)!*5!+59!J#!+&(!;-#&*#2!*+0)1(.!301!&)2!(8&''<!!"-0*#!

259)!*+#!&**-036*#!>56!;+5(#!&)2!9+&*!D52!(+59#2!>56<!

Page 4 of 35

!"#$%&'()* "!#$%&'!(%)&*

+,-.$*/!01!23%!4)5,$!63$!7)8)9,!:,)9!+,-.$*/

;)<*!)9!=%9$!-!>-.3/

!"#$%&'%()#*+&,"#-&."(/,%'0&,"%'%&1(-&2*%&-%*,%*.%&,"(,&-,3.4&23,5&&6'(*.#-&7"(*&-(#)0&86'(*4$90&923&

*%%)&,2&+%,&2:%'&923'-%$;5<&&=9&+3%--&#-&,"(,&"%&*%%)%)&,2&>%&>$3*,&>%.(3-%&1%&$#:%&#*&(&12'$)&,"(,&

.2))$%-&3-&(*)&?(4%-&3-&,"#*4&,"(,&1%&('%&#*&,"%&.%*,%'&2;&,"%&3*#:%'-%5&&!%&('%&*2,0&>3,&@2)&#-5&&!%&

*%%)&,2&'%?%?>%'&,"(,&23'&$#:%-&('%&3$,#?(,%$9&*2,&#*&23'&.2*,'2$0&,"%9&('%&#*&@2)A-5&&B;&@2)&)%-#'%)0&C%&

.23$)&,(4%&923&"2?%&,2)(95&&!"%*&1%&'%($#D%&,"(,0&#,&/3,-&23'&$#:%-&(*)&1"2&1%&('%&#*&/%'-/%.,#:%5

73/!23%/!4)8&

E5 !'#,%&)21*&,"%&?(#*&/2#*,&2;&,"%&."(/,%'5

(5

F5 G%()&H(?%-&IJEKLEM5&&

(5 !"2&#-&-/%(4#*+&#*&:%'-%&EKN

>5 !"(,&#?/2',(*,&/#%.%&#-&?#--#*+&;'2?&,"#-&>3-#*%--&/'2/2-($&#*&:%'-%&EKN

.5 H(?%-&'%-/2*)-&#*&:%'-%&EI&>9&-/%(4#*+&(>23,&$#;%5&&!"(,&#-&23'&$#;%&$#4%N

)5 B*&:%'-%&EO0&1"(,&?3-,&>%&#*.$3)%)&#*,2&23'&/$(*-N

%5 B*&:%'-%-&EP&(*)&EM0&1"(,&('%&,"%&,12&-#*-&H(?%-&())'%--%-N

K5 !"(,&#-&812''9<&(*)&8-,'%--<N&&!"9&('%&,"%-%&,12&,"#*+-&-#*;3$N

I5 C21&)2&@2)A-&(,,'#>3,%-&2;&C#-&-2:%'%#+*,9&(*)&C%&>%#*+&.'%(,2'&'%$(,%&,2&2*%&(*2,"%'N

73/!23%/!?*-/$

O5 Q%,A-&-(9&923&"(:%&(&;'%%&%:%*#*+&(*)&923&"(:%&2/,#2*-&,2&;#$$&923'&,#?%J&R/,#2*&SE&T&U3'*&2*&,"%&

UV&(*)&1(,."W&R/,#2*&SF&T&U(4%&.('%&2;&,"%&>#$$-&(*)&"23-%.$%(*#*+W&R/,#2*&SK&T&X3';#*+&(*)&

-"2//#*+&2*&,"%&B*,%'*%,W&2'&R/,#2*&SI&T&X/%*)#*+&,#?%&1#,"&@2)&'%()#*+&(*)&,"#*4#*+&(>23,&

C#?5&&!"#."&2*%&123$)&923&."22-%0&1"#."&2*%&123$)&923&!"#$$%&."22-%N&&!"(,&)2%-&,"(,&-(9&

(>23,&923'&"%(',N

Page 7 of 35

555= J('%41*#)-51#%&"#%&5&-#%,A")5$&/%51%&"#$#%2(4)%.#)$#$=%%!06#%0%2#'%3514&#$%&(%

9)05$#%D#$4$%2()%'"0&%I#%;0.#%7(4%0$%0%)#$4-&%(2%I53%;5.51;%49%I5$%-52#=

:= Y515$"%87%)#0*51;%.#)$#$%ZQCR=

5= A(39-#&#%&"#%9")0$#$F

C= [=%Z%\%Y()%]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]

L= [=%^%\%!"0&%]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]

E= [=%CR%\%Y()%]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]

W= [=%CR%\%!"0&%]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]

74/!94%/!;*-/$

E= I(9%(1&(%&"#%V1&#)1#&%01*%;(%&(%'''=:)0N7-(.#8((6=:(3%01*%:-5:6%(1&(%&"#%,.5*#($/%$#:&5(1%

01*%"5&%,A"09&#)%E/%01*%'0&:"=

0= M"0&%0)#%25.#%'()*$%()%9")0$#$%&"0&%:(3#%&(%351*%'"#1%7(4%&"516%(2%7(4)%#0)&"-7%

20&"#)_

8= I0$%7(4)%.5#'%(2%7(4)%I#0.#1-7%Y0&"#)%8##1%022#:&#*%B9($5&5.#-7%01*`()%1#;0&5.#-7H%87%

7(4)%.5#'%(2%7(4)%#0)&"-7%20&"#)_%%V2%$(+%51%'"0&%'07_

:= S5*%&"#%.5*#(%(2%Y)01:5$%01*%"5$%$(1+%;5.#%7(4%0%8#&&#)%95:&4)#%(2%7(4)%I#0.#1-7%Y0&"#)T$%

-(.#%2()%7(4_

*= J('%"('%08(4&%7(4)%I#0.#1-7%Y0&"#)_%%>5:6%(1#%'()*%&(%*#$:)58#%7(4)%)#-0&5(1$"59%

'5&"%7(4)%"#0.#1-7%Y0&"#)=%%S(#$%7(4)%,(1#%'()*/%)#2-#:&%0%)#0-5&7%7(4T)#%9-#0$#*%'5&"%

()%(1#%7(4T)#%*5$099(51&#*%51_%%V2%7(4T)#%9-#0$#*+%&"#1%;)#0&O%%@4&%52%1(&+%'"0&%(1#%'()*%

'(4-*%*#$:)58#%&"#%'07%7(4T*%-56#%5&%&(%8#_

W= Y)01:5$%')5&#$+%

0= ,!"#%<((*%J#'$a&"#%8#$&%1#'$%51%&"#%'()-*+%51%20:&a5$%&"0&%7(4%:01%"0.#%<(*%

I53$#-2=%%S(%7(4%8#-5#.#%&"0&%<(*%5$%&"#%;)#0&#$&%&"51;%7(4%:01%#U9#)5#1:#%51%&"#%'"(-#%

'()-*_%%S(%7(4%8#-5#.#%&"0&%&"#%<((*%J#'$%5$%1(&%3#)#-7%&"#%2();5.#1#$$%(2%7(4)%$51$+%

&"#%;40)01&##%&"0&%7(4%'(1T&%;(%&(%"#--+%()%&"#%9)(35$#%(2%-52#%51%"#0.#1_

!"#%8#$&%&"51;$%51%-52#%0)#%;52&$%2)(3%&"#%b1#%'"(%$&#0*20$&-7%-(.#$%4$=%%@4&%01%539()&01&%

c4#$&5(1%&(%0$6%(4)$#-.#$%5$%&"5$F%d)#%'#%51%-(.#%'5&"%<(*%()%e4$&%I5$%$&422_/%BGLH=

Page 12 of 35

Lukewarm Characteristics References

1 Lukewarm people attend church fairly regularly. It is what is expected of them, what they believe

―good Christians do, so they go. (Pg. 68)

Isaiah 29:13

2 Lukewarm people give money to charity and to the church as long as it doesn’t impinge on their

standard of living. If they have a little extra and it is easy and safe to give, they do so. (Pg. 69)

1 Chronicles 21:24

Luke 21:1-4

3 Lukewarm people tend to choose what is popular over what is right when they are in conflict. They

desire to fit in both at church and outside of church; they care more about what people think of

their actions than what God thinks of their hearts and lives. (Pg. 69)

Luke 6:26

Revelation 3:1

Matthew 23:5-7

4 Lukewarm people don’t really want to be saved from their sin; they want only to be saved from the

penalty of their sin. They don’t genuinely hate sin and aren’t truly sorry for it; they’re merely sorry

because God is going to punish them. (Pg. 70)

John 10:10 Romans

6:1-2

5 Lukewarm people are moved by stories about people who do radical things for Christ, yet they do

not act. They assume such action is for ―extreme Christians, not average ones. (Pg. 70)

James 1:22

James 4:17

Matthew 21:28-31

6 Lukewarm people rarely share their faith with their neighbors, coworkers, or friends. They do not

want to be rejected, nor do they want to make people uncomfortable by talking about private

issues like religion. (Pg. 71)

Matthew 10:32-33

7 Lukewarm people gauge their morality or ―goodness‖ by comparing themselves to the secular

world. They feel satisfied that while they aren’t as hard-core for Jesus as so-an-so, they are

nowhere as horrible as the guy down the street. (Pg. 72)

Luke 18:11-12

8 Lukewarm people say they love Jesus, and He is, indeed, a part of their lives. But only a part.

They give Him a section of their time, their money, and their thoughts, but He isn’t allowed to

control their lives. (Pg. 72)

Luke 9:57-62

9 Lukewarm people love God, but they do not love Him with all their heart, soul, and strength. They

would be quick to assure you that they try to love God that much, but that sort of total devotion

isn’t really possible for the average person; it’s only for pastors and missionaries and radicals.

(Pg. 73)

Matthew 22:37-38

10 Lukewarm people love others but do not seek to love others as much as they love themselves.

Their love of others is typically focused on those who love them in return, like family, friends, and

other people they know and connect with. (Pg 73)

Matthew 5:43-47

Luke 14:12-14

11 Lukewarm people will serve God and others, but there are limits to how far they will go or how

much time, money, and energy they are willing to give. (Pg. 74)

Luke 18:21-25

12 Lukewarm people think about life on earth much more often than eternity in heaven. Daily life is

mostly focused on today’s to-do list, this week’s schedule, and next month’s vacation. Rarely, if

ever, do they intently consider the life to come. (Pg. 75)

Philippians 3:18-20

Colossians 3:2

13 Lukewarm people are thankful for their luxuries and comforts, and rarely consider trying to give as

much as possible to the poor. They are quick to point out, ―Jesus never said money is the root of

all evil, only that the love of money is. (Pg. 75)

Matthew 25:34, 40

Isaiah 58:6-7

14 Lukewarm people do whatever is necessary to keep themselves from feeling too guilty. They want

to do the bare minimum, to be ―good enough‖ without it requiring too much of them. (Pg. 76)

1 Chronicles 29:14

Matthew 13:44-46

15 Lukewarm people are continually concerned with playing it safe; they are slaves to the god of

control. This focus on safe living keeps them from sacrificing and risking for God. (Pg. 77)

1 Timothy 6:17-18

Matthew 10:28

16 Lukewarm people feel secure because they attend church, made a profession of faith at age

twelve, were baptized, come from a Christian family, vote Republican, or live in America. (Pg. 78)

Matthew 7:21

Amos 6:1

17 Lukewarm people do not live by faith; their lives are structured so they never have to. They don’t

have to trust God if something unexpected happens – they have their savings accounts. They

don’t need God to help them – they have their retirement plan in place. (Pg. 78)

Luke 12:16-21

Hebrews 11

18 Lukewarm people drink and swear less than average, but besides that, they really aren’t very

different from your typical unbeliever. They equate their partially sanitized lives with holiness, but

they couldn’t be more wrong. (Pg. 79)

Matthew 23:25-28