Section 1

Dr. Dave opens the teaching in Romans 13:7–10, where Paul commands believers to “give to everyone what you owe them,” including taxes, respect, and honor. The passage urges integrity—fulfilling obligations honestly and responsibly. Dr. Dave clarifies that debt itself isn’t condemned, but neglecting or avoiding payment is. Believers are called to honor commitments and avoid entitlement. He explains that God is not a creditor but a faithful partner who walks beside us in every challenge. With God as our partner, nothing is impossible, and even financial or moral debts can be met through His strength.

Section 2

From there, Dr. Dave moves into the deeper debt—the one we can never finish paying: the debt of love. Worldly love is fleeting and self-centered, but biblical agape love is a decision, not a feeling. It’s the kind of love that sacrifices self-interest to benefit others, modeled perfectly in God’s gift of His Son. Dr. Dave points out that this love fulfills every commandment because it avoids wrong, seeks good, and mirrors the character of Christ. He references Galatians 6:2, reminding listeners that carrying one another’s burdens is the fulfillment of the law of Christ. When believers act in genuine concern and compassion, they reflect divine love that never seeks applause, only obedience.

Section 3

Dr. Dave concludes with a personal reflection on how difficult it can be for people to receive God’s love—especially those shaped by broken or uneven family relationships. He stresses that believers must allow God’s love to fill them before they can truly love others. Quoting 1 John 3:1–2, he reminds us that we are children of God who must rely on His love daily. Speaking the truth aloud—“God loves me”—is one way to silence lies and embrace divine reality. God’s love isn’t partial or conditional; it’s perfect, eternal, and freely given. Dr. Dave ends by urging believers to accept that truth, let it overflow, and live as those chosen and cherished forever by their heavenly Father.