St. Paul regarded himself a debtor to all. Our debt is threefold. We are indebted to God for paying off our debt; we are indebted to those who brought us the good news of the fully paid debt; we are indebted, as possessors of God's love, to share it with those who will die without it.
Carl W. Berner, Sr. The Power of Pure Stewardship (page 50)
Wayne Knolhoff, Director of the Center for Stewardship at Concordia Seminary, St. Louis, Missouri.