* vs 1-3 - Abe wasn’t a “Christian,” but he had a credit on his account.

* This is how people got saved in the Old Testament.

* Their trust in God was credited as righteousness (being in “right relationship” with God).

* Like me at the Chipotle line - all five of my family members go first, the lady at the register punches in their order and amount, then runs a tab until I get there to pay the bill.

* They were able to take their food and eat because their meals were “credited” to them.

* I happen to be the one who pays the bill - always!

* The same is true - Abe’s faith gave him the credit he needed so Jesus could pay the bill.

* vs 4-5 - Switching Accounts

* Paul is telling them they can’t work for salvation - only faith can get it for you.

* Otherwise God would be in your debt - when you work your boss “owes” you something, but God owes us nothing.

* Jesus “switches accounts” with us.

* Imagine you have $10 in your account and another guy has $1million.

* He tells you he wants to switch accounts with you if you simply trust that he has the money and he will do what he says, and that you will tell the world about his generosity.

* Would you do it?

* This is what Jesus does for us, but it’s our choice.

* We have nothing. He has everything. He will give it to us if we place our faith in Him.

* It’s like me not just paying for my kids at the Chipotle line, but giving them my credit card.