No matter how well I behave, how much time I spend cleaning up my life, how far I get from the first and second divorce, from the rumors and the gossip and the truth, I am a rotten sinner in desperate need of a risen Savior. Even my best good deeds and days merit no mercy, are no grounds for grace, and provide no foundation…

In God’s economy, I am bankrupt. I am every label that has been attached to me: idolater, liar, adulterer, coveter, thief. And because of my bankruptcy, God sent Jesus as my substitute, not only to pay my debt in full but to make a deposit of righteousness that will never run out.