We must distinguish between the Christian life lived in faith and that lived in love. Faith is queen over all laws: the Christian means to be justified through grace alone, and so he is free from all laws...But in the other area (that of love) the Christian is subject to all laws, bears the Law and the burdens of the Law according to the old man, seeks to serve and to promote the good of his neighbor.
Martin Luther, What Luther Says, page 779.
Wayne Knolhoff, Director of the Center for Stewardship at Concordia Seminary, St. Louis, Missouri.