The Interest Rate of Comfort

Avoidance creates hidden debt, but obedience builds lasting peace. Faith helps you choose costs wisely by investing today in freedom, clarity, and spiritual growth.

Monday, January 26, 2026

Delayed obedience is disobedience.
— Charles Spurgeon

TODAY’S OBJECTIVES

Daily Vitamin: Choosing the right cost.
Inspirational Story: Life carries debts that aren’t financial.
Verse of the Day: 1 John 4:18

Choosing the right cost.

Every act of obedience plants a seed. What costs you comfort now often grows into peace later.

• Pray for strength to choose obedience.

• Have one honest conversation you’ve delayed.

• Replace avoidance with prayer.

  

The Interest Rate of Comfort

Picture yourself standing at a fork in the road:

One path is harder, slower, and uncomfortable.
The other feels smoother and more manageable.
You choose the easier path, telling yourself you’ll deal with the other one later.

For now, it feels like a win.

That decision might not have cost you today. But it scheduled a payment for tomorrow.

That’s how hidden debt works.

Relief today often becomes pressure tomorrow.

When you avoid a hard conversation, you gain short-term calm.
You also store tension that does not disappear.
It waits. And it grows.

When you choose comfort over movement again and again, you gain rest.
You also store strain that shows up later in ways you did not plan.

When you delay meaningful work, you gain relief.
You also store pressure that multiplies with time.

None of this makes you weak. It makes you human.

What we postpone does not disappear. It compounds.

Scripture speaks to this with simple clarity: “Do not be deceived: God is not mocked, for whatever one sows, that will he also reap.” (Galatians 6:7)

God designed life with cause and effect, not to trap us, but to guide us. He invites us to plant seeds we won’t regret harvesting later.

The good news is that there is also such a thing as faithful investment.

Every honest conversation you choose to have.
Every prayer you pray instead of numbing out.
Every step of obedience that costs you comfort today.

Those choices carry interest, too.

Peace grows.
Trust deepens.
Strength builds.
Clarity comes.

You always pay something. The question is when and what.

Faith doesn’t remove the cost of life. It helps you choose the right one.

Now, pause for a moment and ask yourself:

Which hidden debts am I carrying?
And which ones can I begin to release?

The path toward freedom often starts with one brave choice made now.

So, choose your debts wisely. And better yet, choose investments that lead to life.

God is faithful to meet you in the moment you decide to face what’s been waiting.

FRUIT OF THE SPIRIT

“There is no fear in love, but perfect love casts out fear.” (1 John 4:18)

Devotion: God’s perfect love drives out all fear. When we understand how deeply we are loved by Him, we are freed from fear and able to love others boldly and without reservation.

Action: Reach out to someone you may have been hesitant to connect with and tell them you’ve been praying for them.

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