Docile, Not Diversified

A single pearl resting in an open, sunlit palm, symbolizing surrender and trust in God

What debt, unemployment, and daily discernment taught me about being dependent on God, not just adjacent to Him

If you’ve spent any time online, you know the checklist. Roth IRA, maxed. Six months of expenses in a high-yield savings account. A diversified brokerage. No credit card balance carried month to month. Every finance influencer is selling some version of this profile as the definition of a responsible adult, and if you’re a young Catholic professional, it’s easy to quietly measure your spiritual life by the same rubric — faithful giving as a line item, Mass attendance as a checkbox, gratitude as something you’ll feel once the numbers finally work.

This article isn’t for the person who has that checklist finished. It’s for everyone else. If you’re carrying debt you can’t see the bottom of, if your savings are gone and your emergency fund is a memory, if you’ve been out of work longer than you told people, if your health has cost you both money and momentum — I want to tell you something that took me a long time to believe: you may already be living the exact thing the checklist can’t teach.

What I Actually Lived

I’ve been through a stretch of real health problems, extended unemployment, and a period where homelessness wasn’t an abstract fear but a real possibility. Credit debt piled up. Savings ran out completely, with no reserve behind them. There was no six-month cushion. There was, some weeks, no cushion at all.

What I found in that place wasn’t a hack or a five-step plan. It was daily dependence, and I mean that literally. I couldn’t plan three moves ahead because I often didn’t have the information, the money, or the certainty to do it. What I had was prayer — asking, most mornings, for enough clarity to see the next single step, and trusting that the Holy Spirit would show up in time for that step and not necessarily any sooner. I write about faith and money less for what it’s earned me and more for what I found in that season worth passing on: a faith-abundant life doesn’t require your finances to cooperate first. Gratitude showed up before the numbers did, not after.

Rereading “To Anyone Who Has, More Will Be Given”

A homily on Matthew 13 named something I recognized instantly: “we could be religious churchgoers but not docile to God.” The warning usually gets aimed at people who look financially secure and spiritually comfortable. But flip it around, and it says something else too — the “having” that gets multiplied in that verse was never about your account balance. “To anyone who has, more will be given. He will grow rich. Anyone who has not, even what he has will be taken away” (Matthew 13:12) is describing docility, not net worth. If you’ve been forced by circumstance into daily, undeniable dependence on God, you are not behind. You may be exactly where that verse says gets more.

Docility is usually pictured as a beautiful, freely chosen surrender — Mary at the Annunciation, saying “let it be done unto me according to your word” (Luke 1:38) before she understood any of the plan. Nobody forced that fiat on her. But surrender doesn’t stop counting just because it wasn’t your first choice. When life sells everything out from under you — a diagnosis, a layoff, a debt spiral — and there’s nothing left to hold onto but trust, that is still docility. Maybe closer to it than most of us who get to choose our surrender in comfortable, low-stakes moments ever come.

The Purse That Was Already Empty

“Sell your possessions, and give alms; provide yourselves with purses that do not grow old, with a treasure in the heavens that does not fail” (Luke 12:33) is usually preached to people who have something to sell. If your earthly purse is already empty, you didn’t need the instruction — you’re already living past it, whether you meant to or not. The treasure that doesn’t fail isn’t a reward for the financially disciplined. It’s simply what’s left when everything else has been taken, and it turns out to be enough.

“See that you abound in this gracious work also” (2 Corinthians 8:7) doesn’t require a bank account either. If you’ve ever stayed up with someone in a worse spot than you, shared a meal you couldn’t really spare, or written something honest to help a stranger feel less alone in their own financial fear — that is the gracious work Paul is describing. It was never gated behind income.

And “he who is faithful in a very little is faithful also in much” (Luke 16:10-11) reads differently from where you’re standing. It’s not a verse about scaling up from a small salary to a large one. It’s an honor given to whoever manages real scarcity with real integrity — the person who pays what they can, tells the truth about what they can’t, and keeps showing up to the discernment even when the numbers are bad. That faithfulness is the whole point of the verse, not a stepping stone to something more respectable.

The Pearl You Didn’t Choose to Sell Everything For

The merchant in Matthew 13:44-46 sold everything he had for one pearl of great price — a deliberate, chosen trade. Most of us in financial crisis didn’t get to choose the sale. Life took the possessions first and left the pearl — trust in Christ — as the only thing remaining. That’s not a lesser version of the parable. It might be the truest ending of it: everything else gone, one thing left, and it turns out to be enough to build a life on.

Wherever You Are Right Now, This Still Applies

You don’t need a spreadsheet to practice this. Tomorrow morning, before you check a balance or open a bill, ask one question instead of making one plan: not “what do I need to fix today,” but “what is Jesus asking me to trust Him with today.” That’s the whole practice. It won’t clear your debt or fill your account. But it’s the difference between being adjacent to Christ — showing up, checking boxes, staying nearby — and being dependent on Him, which is what docility actually is. The checklist can wait. This can’t.

When Effort Leads to Despair: A Biblical Perspective

Flowing river around a moss-covered boulder in a misty evergreen forest

When Pushing Harder Stops Helping

Diminishing Returns, Despair, and Joy in the Lord

A friend of mine recently retired from a long career in logistics.
He spent his life thinking in terms of flow: time, trucks, fuel, labor, all moving toward the right place at the right moment.

In a video he shared, he took that logistics mindset and applied it to the human heart.
He started with a scene from Second Corinthians, where Paul and the early Christians suffer intensely for the Gospel—and yet speak about joy and comfort that seem to grow, not shrink, in the middle of their trials.[esv]

Paul can say things like, “We are pressed on every side by troubles, but we are not crushed. We are perplexed, but not driven to despair,” and, “We rejoice in our sufferings.”[biblehub]
It’s a strange equation: more suffering, more joy.

My friend had a friend call him who was going through a hard time, hoping to cheer him up by reminding him to find joy in the Lord.
From there, my logistics friend did something very practical: he pulled out a concept he knows well—the law of diminishing returns—and tried to connect it to what his friend was living.

The law of diminishing returns in daily life

In logistics and economics, the “law of diminishing returns” says that if you keep adding more of one input (like trucks, workers, or hours) to a fixed situation, each additional unit produces less and less benefit.[dashhouse]
Eventually you reach a point where adding more doesn’t just fail to help; it actively begins to hurt—costs rise, congestion increases, systems break down.

My friend applied that same idea to how we handle time, emotions, and money.
We live in a culture that loves optimization: we want the maximum impact out of every minute, every dollar, every effort.

But there’s a catch: when there is “too much supply,” he said, the demand shrinks and the perceived value diminishes.
Too many texts, too many late‑night calls, too many attempts to “fix” a relationship, too many extra hours at work “just to be sure”—at some point, pushing even harder stops being effective.

His lesson in the video was simple and sobering:
At a certain point, you have to hold back, because the gain decreases with increased effort. If you ignore that point and just keep pushing, you don’t only get less return—you start sliding toward despair.

When more effort leads to despair

Most of us know this by experience.

  • In finances: throwing more money at a problem that has a deeper spiritual or relational root.
  • In relationships: pouring more emotional energy into someone who is stuck, hoping your intensity will save them.
  • In time management: extending your hours, your availability, your responsiveness until you have nothing left.

At first, you see some fruit. Then less. Then none. Then you notice you’re more anxious, more resentful, more hopeless.
What felt like loving effort starts to feel like compulsion.

This is what my friend was naming: if you don’t respect the point of diminishing returns, the “curve” eventually goes negative.
You’re not just failing to make it better—you’re actually making it worse, in your own heart and sometimes in the life of the other person.

And that negative curve, he warned, very often ends in despair.
Not just exhaustion, but that heavy sense that “nothing I do matters; nothing will ever change.”

Scripture’s honest talk about despair

The Bible doesn’t pretend this doesn’t happen.

Paul writes to the Corinthians about being “utterly burdened beyond our strength… so that we despaired of life itself,” and then immediately talks about how God comforted him and used that experience to equip him to comfort others.[enduringword]

He also distinguishes “godly sorrow” from “worldly sorrow”: godly sorrow leads to repentance and life, while worldly sorrow leads to death.[biblehub]
In other words, there is a kind of grief that opens us to God—and another kind that closes us in on ourselves.

Despair belongs to that second category.
It’s the moment when our efforts have failed, our plans are exhausted, and our gaze is stuck on what is seen and breaking, instead of the unseen promises of God.[esv]

Psalm 27 speaks directly into this:
“Trust in the Lord. Have faith, do not despair. Trust in the Lord.”[biblestudytools]

Not despair because the circumstances are easy.
Not despair because our input is always effective.
Not despair because we found the perfect optimization.

“Do not despair” because the Lord is still here, still acting, still loving—even when our curve has bent downward and our efforts have stopped working.

Joy that doesn’t follow the curve

This is where the paradox of Second Corinthians becomes crucial.
Paul’s joy does not ride on the curve of success.

He writes, “We rejoice in our sufferings, knowing that suffering produces endurance, and endurance produces character, and character produces hope, and hope does not put us to shame, because God’s love has been poured into our hearts through the Holy Spirit.”[esv]

Notice what’s happening:

  • The outer situation is getting worse: more suffering, more pressure, more apparent failure.
  • The inner reality is growing: endurance, character, hope, and a deeper experience of God’s love.

For Paul, joy is not the reward at the end of a successful project.
Joy is the fruit of God’s presence in the middle of a project that might look like it’s falling apart.

So we have a tension:

  • On the one hand, practically, there is a point where adding more effort becomes harmful.
  • On the other hand, spiritually, there is a joy that can grow precisely when outward metrics are going down.

Working and loving differently

My friend’s conclusion is wise and very Christian: when you hit diminishing returns, don’t just push harder; work differently, invest differently.
If the pattern you’re in is no longer producing good fruit—either in logistics or in love—it may be time to change the way you are participating.

Scripture supports this kind of discernment.

Romans says that our “light, momentary affliction” is preparing an eternal weight of glory, and that God uses suffering to produce endurance, character, and hope.[esv]
But it never says that the right response to suffering is to keep repeating the same ineffective pattern.

Sometimes love means staying and persevering in the same path.
Sometimes love means stopping, repenting, and receiving a different way of walking.

Godly sorrow leads to repentance—an actual turning.[biblehub]
Worldly sorrow locks us into despair.

A Japanese proverb: when pushing fails

A Japanese proverb a friend once shared with me comes to mind here:

“What you can’t get from pushing, maybe you should try pulling.”

There is a lot of gospel wisdom hidden in that simple line.

Pushing is often about force, control, and urgency.
Pulling suggests invitation, openness, and a different posture.

In a relationship that has hit diminishing returns, “pushing” might look like constant advice, pressure, or rescue attempts.
“Pulling” might look like quiet presence, prayer, listening, or a gentle invitation to take a step rather than a shove.

In a work situation, “pushing” is cramming more hours, emails, and interventions into a system that’s already overloaded.
“Pulling” might be stepping back, asking better questions, or inviting a team into a new design instead of trying to carry it alone.

Filled with the Spirit in a world of limits

As Christians filled with the Spirit, we don’t deny that diminishing returns exist.
We live in the same finite world, with the same limited bodies and overloaded systems, as everyone else.

But we carry a different center.

The Father of mercies is “the God of all comfort, who comforts us in all our affliction, so that we may be able to comfort those who are in any affliction.”[enduringword]
The Spirit pours God’s love into our hearts, anchoring us in a joy and hope that don’t rise or fall exactly with our visible success.[esv]

So when we see the curve bend downward—when more effort leads to less fruit and more pain—we’re invited to:

  • Name honestly what is happening (without shame).
  • Refuse the lie that our worth is equal to our productivity.
  • Ask whether our pattern of “pushing” is still loving, or whether God is inviting us to “pull” instead—to relate differently, work differently, rest differently.
  • Return our gaze to Jesus, who met us not by optimizing our lives, but by entering our suffering and transforming it from the inside.

The law of diminishing returns tells us something true about the limits of our control and our strength.
God’s law of love tells us something deeper about the limitless faithfulness of His heart.

Between those two, we find a humble way to live: willing to work hard and pour ourselves out, but also willing to stop pushing when pushing only produces despair, and to let the Spirit teach us a gentler, more fruitful way of pulling.

If you notice a place in your life today where more effort has started to hurt rather than help, what might it look like to stop pushing—and invite Jesus to show you how to pull instead?