You friend may have a point about modern American Christians building up earthly treasures during our life here as strangers in a strange land. Please consider the words and teachings of John Wesley.“From that express declaration of our Lord, "It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of heaven," we may easily learn, that none can have riches without being greatly endangered by them. But if the danger of barely having them is so great, how much greater is the danger of increasing them!” John Wesley“Must we not, Thirdly, rank among those that desire to be rich, all that, in fact "lay up treasures on earth?" a thing as expressly and clearly forbidden by our Lord as either adultery or murder...When it is calmly and deliberately done, it is a clear proof of our desiring to be rich. And thus to lay up money is no more consistent with good conscience, than to throw it into the sea.” John WesleyTo focus on 401k’s alone as a obsession is ludicrous, although it is one of many ways most American Christians put their trust in their money to take care of them, instead of putting their trust in God to take care of them. Now if a person (for sake of argument) was to live in a luxury lake front home in a affluent upscale community, and have luxury automobiles, and jewels, and substantial savings, 401k, IRA, and do nothing Christian but claim an easy believism in Jesus as Savior but not Lord and Master, your friend may have a very valid point. This is sadly the condition of many American Christians today. How many modern western believers will show up on the day of judgment and find out that the treasure they built up here on earth won’t squeeze through the eye of a needle? Countless millions, at least!If you friend is obsessed with 401k’s for some reason you may want to help him expand his view.You may also want to consider that God is concerned with our needs not new clothes, luxuries and comforts. This reminds of a quote by Leonard Ravenhill. “God doesn’t care a hill of beans if Americans have to wait in bread lines in order to eat - and God doesn't care if ever automobile in America rust to the ground because there is no gas to run them - and this could happen any day now!” Leonard Ravenhill.Also, concerning the issue of health insurance --- although affordable health insurance is a major issue in America today, their are certain alternatives. I understand that their are literally millions who have to go without medical insurance because of the sick political and mammon hungry condition our nation and for those in that circumstance I have faith and stand on the promises of God that he will provide for the needs of His servants. To refuse medical insure for your family based on some fanatical beliefs is just not Biblical, but I understand the plight of those who can’t afford the ridiculous cost of medical insurance. There are many who are in low paying menial jobs who have no choice - and I assure you if they trust in the promises of God their needs will be met.I have personal experience in this matter. I run a non-profit organization where the majority of the money generated is poured out for others in need. (the least of these list by our Lord and Savior Jesus Christ) There was a time when my family went without insurance because it would have meant one of the 17 people who rely on the help of our organization for their daily food, and\\or the many children (poor and retarded) who rely on our organization having to be turned away from the loving arms of Jesus. I could not tell these people “sorry you and your children have to go without food today because I need to spend the organizations money on the ridiculous cost of medical insurance for my own family.” I put my trust in God and for that short period of time my family was in perfect heath. The Lord, praise God, provided and now I have the best medical insurance money can buy at absolutely no cost to myself or the organization I run. God truly provides for those who put their trust in Him and their efforts for His Kingdom.My family often chooses to sacrifice many of the modern convinces and luxuries and comforts of modern American life so that we can pour the love of Jesus out on a lost and dieing world who is headed down the wide path to the eternal flames of Hell. (the organization generates more money then we have ever made in our entire lives, but we keep less for ourselves then we ever have in our entire lives for the sake of others) Remember we are supposed to esteem others greater then ourselves. We all happily and joyfully sacrifice much so that other may be saved and experience the undying love of Christ. And, believe it or not we are condemned for doing so. Even worse we are condemned for doing so by many “so called” Christians and even our own parents. But we take joy in our condemnation considering the words of Jesus in the sermon on the mount (Matt. 6) and the sermon on the plain (Luke 6) as comfort and edification. If you are talking about a sick and twisted person who is obsessed with 401k’s and lack medical insurance, I will earnestly pray and fast for the friend of which you speak. If you are talking about my family and the nonprofit organization which we run as humble and faithful servant of Christ - I say to you my friend with the love and kindness of a brother trying to show another brother the errors of his ways - you my friend are a sick and twisted person - how dare you try to defile and lie about a humble and contrite servant of Jesus Christ.Please clarify your post and state if I am the person of whom you speak. (my name is Patrick Ersig and I live in the Detroit, Michigan area - the organization that I run is called S&L (salt and light) Ministries to help teach the low income, fatherless, homeless, retarded childeren in the Detroit area about Jesus, and for finacial support for the native missionaries, and the persicuted church, and persicuted pastors and their families around the world) I will happily defend the lifestyle of a servant of Jesus Christ on this forum! :-x