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The title sounds careless and possibly scary, but before you blow a gasket, let me ask, “Have you reached sinless perfection yet?” We can pretend there is a secret in all our lives, but the truth is that it is not a secret at all: we still sin against God and each other. We might love God and others as we love ourselves, but we most certainly sin against God and others, too. This undeniable truth is a call to action to prepare for the inevitable. Like a wise financial steward who knows hard times are coming, he budgets for those difficult days.