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Imagine opening a credit card statement and seeing a balance you could never pay off in a thousand lifetimes. That is exactly what our spiritual debt looks like. In this episode of Lo & Behold, we dive into the uncomfortable truth about forgiveness: if you could afford to pay for it, there would be no need for Jesus. We often try to "work off" our sin or earn the grace of God, but the reality is much simpler—and much harder to accept. Jesus paid it all because the cost was too high for us. We’re breaking down why salvation is free to you, but it cost Him everything. Stop trying to settle a bill that has already been paid. In this video: -The "Credit Card Statement" analogy for sin -Why you can't earn forgiveness (no matter how hard you try) -The real meaning of "It Is Finished" -How to accept the free gift of grace without guilt I cut the complexity and deliver genuine, insightful spiritual lessons that make you think, make you smile, and help your faith finally click. 0:00 - Introduction: The Maximumed-Out Life 3:48 - Transition: Our Sin is Just Like That Debt 4:19 - The Compounding Interest of Sin 4:27 - Key Scripture: Romans 6:23 (The Wages of Sin is...) 8:52 - The Question: What Debt Are You Still Trying to Pay? 10:14 - The Zero-Balance Transaction (The Ultimate Gift) 11:09 - The Divine Action: Jesus' Blood Justifies You 14:25 - The Receipt is Our Faith in the Transaction 16:42 - Freedom from 2 Burdens: Guilt & Performance 19:38 - Living Off the Credit Limit of Grace 20:37 - Application 1: Cut the Spiritual Credit Card (Ephesians 2:1-10) 23:14 - Salvation is a Gift (Not by Works, So No One Can Boast) 25:37 - Application 2: Declare Your Zero-Balance Status 26:22 - Application 3: Find a Freedom Partner 27:21 - Conclusion & Final Challenge: The True Meaning of Christmas Join the community here: / @loandbeholdworship Hear my music here: / @lawrencewilliamsmedia This "season of joy" often brings the *stress* of growing *christmas debt* and financial burdens during the *holiday season**. We explore the weight of this **debt* and share a hopeful message about how your ultimate spiritual bill has already been paid, offering comfort beyond simply **paying off debt**. I cut the complexity and deliver genuine, insightful spiritual lessons that make you think, make you smile, and help your faith finally click. Watch the full devotional here - • Active Tension vs Passive Waiting—Which On... Join the community here: / @loandbeholdworship Hear my music here: / @lawrencewilliamsmedia