--- title: "Meaning & Key Takeaway of: Lukewarm people do not live by faith…" description: "\"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- t..." image: "https://sms4smile.com/quotes/i/d2d/francis-chan-548_accounts_lukewarm-people-do-not-live-by-faith-the_3226910.jpg" --- # Lukewarm people do not live by faith; their lives are… ![“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 account. They don't need God to help them- they have their retirement plan in place. They don't genuinely seek out what life…” quote by Francis Chan](https://sms4smile.com/quotes/i/d2d/francis-chan-548_accounts_lukewarm-people-do-not-live-by-faith-the_3226910.jpg) [Download](https://sms4smile.com/quotes/i/d2d/francis-chan-548_accounts_lukewarm-people-do-not-live-by-faith-the_3226910.jpg) [Open image](https://sms4smile.com/quotes/i/d2d/francis-chan-548_accounts_lukewarm-people-do-not-live-by-faith-the_3226910.jpg) > “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 account. They don't need God to help them- they have their retirement plan in place. They don't genuinely seek out what life God would have them live- they have life figured and mapped out. They don't depend on God on a daily basis- their refrigerators are full and, for the most part, they are in good health. The truth is, their lives wouldn't look much different if they suddenly stopped believing in God.” [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Faith is often bypassed when people rely on material security instead of trusting God. **In simple terms:** People trust money over God. Key Takeaway Cultivate dependence on God daily. Themes faith trust materialism Mood reflective serious Type spiritual motivational When to use this quote - financial planning - health crises - unexpected loss - daily decisions Key Concepts spiritual dependence security faith practice Questions to Reflect On - Do you rely on security over trust? - How would daily dependence on God look? A Different Perspective Faith alone may not change outcomes without heart change. ★ ★ ★ ★ ★ No ratings yet [Believe in god](https://sms4smile.com/quotes/about/believe-in-god/) [Believing God](https://sms4smile.com/quotes/about/believing-god/) [Believing In God](https://sms4smile.com/quotes/about/believing-in-god/) [Faith](https://sms4smile.com/quotes/about/faith/) [Good health](https://sms4smile.com/quotes/about/good-health/) [Life](https://sms4smile.com/quotes/about/life/) [People](https://sms4smile.com/quotes/about/people/) [Religion](https://sms4smile.com/quotes/about/religion/) [Retirement](https://sms4smile.com/quotes/about/retirement/) [Saving](https://sms4smile.com/quotes/about/saving/) [Savings](https://sms4smile.com/quotes/about/savings/) [Savings account](https://sms4smile.com/quotes/about/savings-account/) [Something unexpected](https://sms4smile.com/quotes/about/something-unexpected/) [Trust in god](https://sms4smile.com/quotes/about/trust-in-god/) ## Related quotes > [Don't hold against me that I don't own - that I don't own a single stock or bond. 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It's not going to be your local accountant, it's going to be Fidelity.](https://sms4smile.com/quotes/bill-vaughan/who-s-going-to-manage-health-savings-accounts-it-s-not-going-to-be/) [Bill Vaughan](https://sms4smile.com/quotes/author/bill-vaughan/) > [With money we really fool ourselves. We are our biggest enemies with money and there are some things we can do about it. Automatic…](https://sms4smile.com/quotes/dan-ariely/with-money-we-really-fool-ourselves-we-are-our-biggest-enemies-with/) [Dan Ariely](https://sms4smile.com/quotes/author/dan-ariely/) > [ What we have now - a world without \[marine\] reserves - is like a debit account where we withdraw all the time and we… ](https://sms4smile.com/quotes/enric-sala/what-we-have-now-a-world-without-marine-reserves-is-like-a-debit/) [Enric Sala](https://sms4smile.com/quotes/author/enric-sala/) > [I had no money. I had no savings account.So I would bring down my color TV set, a Sears TV with a cable snaked…](https://sms4smile.com/quotes/steve-wozniak/i-had-no-money-i-had-no-savings-account-so-i-would-bring-down-my/) [Steve Wozniak](https://sms4smile.com/quotes/author/steve-wozniak/) > [The idea of strengthening health savings accounts... that bolsters the marketplace.](https://sms4smile.com/quotes/steve-scalise/the-idea-of-strengthening-health-savings-accounts-that-bolsters-the/) [Steve Scalise](https://sms4smile.com/quotes/author/steve-scalise/) > [Im 36, but I still feel like a punk kid with $200 in my savings account.](https://sms4smile.com/quotes/steve-aoki/im-36-but-i-still-feel-like-a-punk-kid-with-200-in-my-savings-account/) [Steve Aoki](https://sms4smile.com/quotes/author/steve-aoki/) > [When parents have college savings accounts for their kids, their kids show higher social and cognitive performance.](https://sms4smile.com/quotes/dan-ariely/when-parents-have-college-savings-accounts-for-their-kids-their-kids/) [Dan Ariely](https://sms4smile.com/quotes/author/dan-ariely/) > [I've been working since I was 14, and my father, being very conservative, has always been strict about my having a savings account.](https://sms4smile.com/quotes/michelle-pfeiffer/i-ve-been-working-since-i-was-14-and-my-father-being-very/) [Michelle Pfeiffer](https://sms4smile.com/quotes/author/michelle-pfeiffer/) > [When you get a checking account, you should have a savings account, and the number for the savings account should be one off of…](https://sms4smile.com/quotes/dan-ariely/when-you-get-a-checking-account-you-should-have-a-savings-account-and/) [Dan Ariely](https://sms4smile.com/quotes/author/dan-ariely/) > [The people have an incentive to spend wisely. So the health care savings accounts are such a good thing. It's such a good idea.…](https://sms4smile.com/quotes/donald-trump/the-people-have-an-incentive-to-spend-wisely-so-the-health-care/) [Donald Trump](https://sms4smile.com/quotes/author/donald-trump/) > [President Roosevelt, the author of Social Security, was the first to suggest that, in order to provide for the country's retirement needs, Social Security…](https://sms4smile.com/quotes/john-doolittle/president-roosevelt-the-author-of-social-security-was-the-first-to/) [John Doolittle](https://sms4smile.com/quotes/author/john-doolittle/) > [I always encourage people to pay themselves first, so I really advocate setting up direct deposit for your paycheck and establishing an automatic transfer…](https://sms4smile.com/quotes/alexa-von-tobel/i-always-encourage-people-to-pay-themselves-first-so-i-really/) [Alexa Von Tobel](https://sms4smile.com/quotes/author/alexa-von-tobel/) ## More by Francis Chan > [If you want to see the big stuff that God has, you've got to take some risk and trust only in the Gospel.](https://sms4smile.com/quotes/francis-chan/if-you-want-to-see-the-big-stuff-that-god-has-you-ve-got-to-take-some/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [God is compassionate and just, loving and holy, wrathful and forgiving. WE can't sideline His more difficult attributes to make room for the palatable…](https://sms4smile.com/quotes/francis-chan/god-is-compassionate-and-just-loving-and-holy-wrathful-and-forgiving/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [“In the midst of our failed attempts at loving Jesus, His grace covers us. Each of us has lukewarm elements and practices in our…](https://sms4smile.com/quotes/francis-chan/in-the-midst-of-our-failed-attempts-at-loving-jesus-his-grace-covers/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [Jesus' call to commitment is clear: He wants all or nothing.](https://sms4smile.com/quotes/francis-chan/jesus-call-to-commitment-is-clear-he-wants-all-or-nothing/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [Yes, it is God who works in you. And, yes, there is work for you to do. Yes, the Spirit empowers you to do…](https://sms4smile.com/quotes/francis-chan/yes-it-is-god-who-works-in-you-and-yes-there-is-work-for-you-to-do/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [The point of your life is to point to Him. Whatever you are doing, God wants to be glorified, because this whole thing is…](https://sms4smile.com/quotes/francis-chan/the-point-of-your-life-is-to-point-to-him-whatever-you-are-doing-god/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [Lukewarm people love others but do not seek to love others as much as they love themselves.](https://sms4smile.com/quotes/francis-chan/lukewarm-people-love-others-but-do-not-seek-to-love-others-as-much-as/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [“Life is comfortable when you separate yourself from people who are different from you. That epitomizes what my life was like: characterized by comfort.…](https://sms4smile.com/quotes/francis-chan/life-is-comfortable-when-you-separate-yourself-from-people-who-are/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [Christ can come back at any time so the one thing you want to have in your life is a focused prayer time.](https://sms4smile.com/quotes/francis-chan/christ-can-come-back-at-any-time-so-the-one-thing-you-want-to-have-in/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [“Awe Factor” video at www.crazylovebook.com to get a taste of the awe factor of our God.”](https://sms4smile.com/quotes/francis-chan/awe-factor-video-at-www-crazylovebook-com-to-get-a-taste-of-the-awe/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [“What I want you to do right now is to go online and look at the “Awe Factor” video at www.crazylovebook.com to get a…](https://sms4smile.com/quotes/francis-chan/what-i-want-you-to-do-right-now-is-to-go-online-and-look-at-the-awe/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [Multi-tasking is keeping me from whole-hearted worship.](https://sms4smile.com/quotes/francis-chan/multi-tasking-is-keeping-me-from-whole-hearted-worship/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [The stress that some of us feel - it's a lack of faith, it really is.](https://sms4smile.com/quotes/francis-chan/the-stress-that-some-of-us-feel-it-s-a-lack-of-faith-it-really-is/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [We have become dangerously comfortable- believers ooze with wealth and let their addictions to comfort and security numb the radical urgency of the gospel.](https://sms4smile.com/quotes/francis-chan/we-have-become-dangerously-comfortable-believers-ooze-with-wealth-and/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) > [Not being able to understand God is frustrating, but it is ridiculous for us to think we have the right to limit God to…](https://sms4smile.com/quotes/francis-chan/not-being-able-to-understand-god-is-frustrating-but-it-is-ridiculous/) [Francis Chan](https://sms4smile.com/quotes/author/francis-chan/) [Explore all 479 Francis Chan quotes ](https://sms4smile.com/quotes/author/francis-chan/) ## More Accounts quotes > [I think most artists feel like they're outside society - no matter how many accolades they receive, or how much money is in your…](https://sms4smile.com/quotes/aaron-rose/i-think-most-artists-feel-like-they-re-outside-society-no-matter-how/) [Aaron Rose](https://sms4smile.com/quotes/author/aaron-rose/) > [Think of these things, whence you came, where you are going, and to whom you must account.](https://sms4smile.com/quotes/benjamin-franklin/think-of-these-things-whence-you-came-where-you-are-going-and-to-whom/) [Benjamin Franklin](https://sms4smile.com/quotes/author/benjamin-franklin/) > [Believing with you that religion is a matter which lies solely between man and his God, that he owes account to none other for…](https://sms4smile.com/quotes/thomas-jefferson/believing-with-you-that-religion-is-a-matter-which-lies-solely/) [Thomas Jefferson](https://sms4smile.com/quotes/author/thomas-jefferson/) > [There is nothing that we can properly call our own but our time, and yet everybody fools us out of it who has a…](https://sms4smile.com/quotes/seneca-the-younger/there-is-nothing-that-we-can-properly-call-our-own-but-our-time-and/) [Seneca the Younger](https://sms4smile.com/quotes/author/seneca-the-younger/) > [The Hindus have a peculiar slovenliness in business matters, not being sufficiently methodical and strict in keeping accounts etc.](https://sms4smile.com/quotes/swami-vivekananda/the-hindus-have-a-peculiar-slovenliness-in-business-matters-not-being/) [Swami Vivekananda](https://sms4smile.com/quotes/author/swami-vivekananda/) > [With the Truman book, I wrote the entire account of his experiences in World War I before going over to Europe to follow his…](https://sms4smile.com/quotes/david-mccullough/with-the-truman-book-i-wrote-the-entire-account-of-his-experiences-in/) [David McCullough](https://sms4smile.com/quotes/author/david-mccullough/) > [A great read; an exciting, frightening account of organized crime today. 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