Tuesday, January 6, 2026

A Crisis of Stewardship: Power, Trust, and the Failure of Leadership

I write this not as a political actor, academic theorist, or cultural commentator, but as someone who has lived long enough to see patterns repeat—and consequences accumulate.

Much of my professional life has been spent inside institutions: businesses, churches, boards, leadership teams. I have seen what happens when trust is honored and when it is quietly spent. I have watched capable organizations drift—not because they lacked intelligence or resources, but because responsibility became abstract and accountability optional. In nearly every case, the damage was not sudden. It was incremental, rationalized, and often well-intentioned.

I am also increasingly aware that I am no longer writing only for my peers. I am writing with an eye toward those who will inherit what we leave behind—children, younger leaders, and citizens who will live with the downstream effects of today’s decisions. That awareness changes the questions one asks. It moves the conversation from What works? to What endures? and from What can we get away with? to What must we preserve?

It is from that vantage point that I have come to believe we are misnaming the crisis of our moment.

We are living through a time of widespread unease. Political conflict dominates headlines, institutions struggle to maintain legitimacy, and public discourse feels increasingly brittle and performative. Much of this turmoil is described in partisan terms—left versus right, progressive versus conservative, populist versus establishment. But these labels, while convenient, obscure a deeper problem. What we are experiencing is not merely a political crisis. It is a crisis of stewardship.

Stewardship is an unfashionable word in a culture oriented toward immediacy and self-expression. It assumes that some things are not owned outright, but entrusted. It implies responsibility across time—honoring what was inherited, caring for it in the present, and passing it on intact, or improved, to those who follow. When stewardship erodes, institutions may still function for a time, but they do so hollowed out, sustained by momentum rather than moral authority.

This is the condition we now inhabit.

The Collapse of Institutional Trust

Trust is not an abstract sentiment. It is a form of moral capital built slowly through consistency, truthfulness, and accountability. Once accumulated, it allows institutions to function efficiently and credibly. Once squandered, it cannot be restored through slogans, branding, or crisis communications.

Across nearly every sector—government, media, business, education, and even the church—trust has deteriorated. This did not happen overnight, nor did it happen without cause. Institutions trained the public to distrust them through patterns of evasion, ideological capture, selective truth-telling, and insulation from consequences. The result is a pervasive skepticism that now colors even legitimate authority.

This loss of trust is often treated as a public relations problem to be managed. In reality, it is a moral reckoning. Trust cannot be demanded; it must be deserved. And once lost, it can only be rebuilt through sustained integrity, humility, and restraint—qualities increasingly rare in public leadership.

From a stewardship perspective, trust is not something leaders generate for their own benefit. It is something they are obligated to preserve for those who come after them. When leaders exhaust trust for short-term advantage, they leave their successors—and the public—with a depleted inheritance.

Power Without Accountability

Closely related to the collapse of trust is the normalization of power exercised without accountability. Power itself is not the problem. Every functioning society requires authority, decision-making, and enforcement. The danger arises when power becomes detached from responsibility—when decisions are made by those who will never bear their costs.

Modern systems are particularly prone to this failure. Bureaucratic layers, technological distance, and institutional opacity allow individuals and organizations to wield enormous influence while remaining insulated from the consequences of their actions. When errors occur, responsibility is diffused. When harm is done, accountability is abstract.

This dynamic breeds cynicism among the governed and moral complacency among the powerful. It also corrodes leadership. Authority exercised without accountability ceases to be stewardship and becomes mere control.

A stewardship framework insists on a different understanding of power. Power is not possessed; it is loaned. It is granted conditionally and temporarily, and it always carries an obligation to answer for its use. Leaders who forget this may achieve compliance, but they will not command respect. Over time, they will undermine the very institutions they claim to protect.

Leadership Failure More Than Policy Failure

Public debate today is saturated with policy arguments. Which laws should be passed, which regulations repealed, which programs expanded or dismantled. These debates matter, but they are downstream. Policies are expressions of judgment, priorities, and moral reasoning. When leadership is weak, dishonest, or self-protective, even well-designed policies fail in practice.

The more troubling reality is that many of our current problems persist not because solutions are unknown, but because leaders lack the credibility to implement them. Leadership failure—understood as a failure of character, courage, and responsibility—has become more consequential than policy disagreement.

Stewardship reframes leadership not as dominance or visibility, but as custodianship. A leader is one who accepts responsibility for outcomes, who tells the truth even when costly, and who understands their role as temporary and accountable. This kind of leadership is less dramatic than what our media culture rewards, but it is far more durable.

Without it, institutions become arenas for self-preservation rather than service, and the public quite rationally withdraws trust.

A Stewardship Mindset in a Fractured Age

What does a stewardship mindset require in a moment like this?

First, restraint. Not every issue must be escalated. Not every disagreement requires moral theater. Leaders who treat every conflict as existential exhaust both their institutions and their people.

Second, fidelity to truth over narrative advantage. In an age of selective facts and curated outrage, truth-telling has become a radical act. Stewardship demands accuracy, context, and the willingness to correct oneself publicly.

Third, proximity to consequences. Leaders should not be shielded from the effects of their decisions. Structures that separate authority from impact may be efficient, but they are rarely just.

Finally, long-term thinking. Stewardship resists the temptation to mortgage the future for present gains. It asks not only, Will this work now? but, What will this leave behind?

These are not partisan virtues. They are civilizational ones.

A Word to the Politically Homeless

Many—especially younger adults—find themselves politically homeless. They distrust institutions but are wary of nihilism. They reject tribalism but are suspicious of neutrality. Their disengagement is often dismissed as apathy, but it is more accurately understood as a refusal to grant trust where it has not been earned.

That refusal is understandable. But withdrawal alone is insufficient. Stewardship requires participation without capture—engagement that is principled, limited, and accountable. It calls for citizens who are serious, not cynical; discerning, not detached.

A society cannot be stewarded by spectators alone. Nor can it survive on outrage as a substitute for responsibility.

What Must Be Preserved and Passed On

Every generation inherits more than it realizes: institutions shaped by sacrifice, norms refined through failure, and moral insights earned at great cost. We are not the authors of these gifts, but their custodians.

The question before us is not whether our institutions are flawed—they always have been. The question is whether we will preserve what is still good, reform what is broken, and resist the temptation to burn down what we did not bother to understand.

Stewardship does not promise quick victories or ideological purity. It offers something harder and more necessary: faithfulness across time. It calls leaders and citizens alike to ask not only what we can gain, but what we are obligated to protect.

Power is easy to acquire. Trust is hard to earn. Leadership is measured not by what it conquers, but by what it preserves and passes on.

In that sense, the crisis before us is also an invitation—an invitation to recover a moral seriousness equal to the inheritance we have received, and to the responsibility we bear to those who will follow.


Sunday, January 4, 2026

Sent With Eyes to See

I hope I have many more years ahead of me. I plan as if I do.

Still, there is something clarifying—almost bracing—about asking what should be said at the end.

Recently, I considered what might belong on an epitaph. Not out of morbidity, but out of curiosity. The exercise surfaced a phrase that has lingered longer than I expected: sent with eyes to see. It didn’t feel like a slogan or a flourish. It felt more like a diagnosis—something that named a posture rather than an achievement.

At first glance, the phrase sounds passive. Seeing. Observing. Watching. But seeing, in the sense that matters most, is not passive at all. It is an active discipline. It requires restraint, humility, and the willingness to sit with uncertainty longer than is comfortable.

Looking is easy.
Seeing is not.

Most of us are trained—by education, by work, by culture—to respond quickly. We reward decisiveness. We admire confidence. Over time, speed begins to masquerade as wisdom. Having an answer becomes more important than understanding the question.

Discernment works differently.

Some of the most consequential mistakes I’ve witnessed—in business, leadership, and faith—were not caused by bad intentions or lack of intelligence. They were caused by incomplete seeing. Someone reacted before understanding the system. Someone solved the wrong problem exceptionally well. Someone confused urgency with importance.

I have done all three.

Having “eyes to see” is not a compliment. It is a responsibility. It implies that clarity is something to be earned slowly and used carefully. Insight, once gained, creates obligation.

That is where the word sent matters.

To be sent is not merely to go. It is to go on behalf of something larger than oneself. It implies stewardship, accountability, and purpose. Being sent assumes that what you have seen is not meant to terminate with you.

Much of my professional life has unfolded at the intersection of numbers, decisions, and people—often under pressure. I’ve learned that financial statements can tell the truth, but only if you ask the right questions. Metrics reveal patterns, but only if you’re willing to linger long enough to notice what doesn’t fit.

Clear seeing rarely arrives with drama. More often, it shows up as quiet discomfort. A sense that something doesn’t add up. A realization that the obvious answer is probably incomplete.

Experience tempts us to skip that discomfort. Pattern recognition is efficient. Sometimes it’s accurate. Sometimes it isn’t. Discernment requires a humility that admits experience can become a liability if it hardens into certainty.

This is just as true in matters of faith.

For many of us, belief was first received as inheritance—language, assumptions, and practices handed down before we were old enough to question them. That inheritance can be a gift. It can also become fragile if it cannot withstand honest examination.

The phrase often attributed to Jesus—“Whoever has ears, let them hear” (Matthew 13:9; cf. Mark 4:9; Luke 8:8)—is frequently softened by familiarity. In context, it is not an invitation to spiritual superiority. It is a warning. Seeing and hearing rightly would cost something. It would disrupt comfortable categories. It would require response.

Discernment and discipleship are inseparable. What we see eventually shapes what we do. And what we refuse to see shapes us just as surely.

There is also a deeply personal dimension to this idea.

In recent years, I’ve spent time tracing family histories—names, dates, migrations, quiet lives that left little written record. The work has reminded me how easily people disappear from memory. How much meaning can be lost if no one pauses to notice, to record, to ask what shaped them.

Seeing, in this sense, becomes an act of love. Attention offered across generations. A refusal to let lives be reduced to census lines and headstones.

Legacy, I’ve come to believe, is not built primarily through accomplishment. It is built through attentiveness. Through decisions made with care, relationships handled with integrity, and responsibilities carried without spectacle.

If someone were to read an epitaph someday and encounter the phrase sent with eyes to see, I would hope they would not hear certainty. I would hope they would hear posture.

A posture of paying attention before speaking.
Of listening longer than required.
Of resisting the urge to rush toward closure.

I would hope they would hear someone who tried—imperfectly, often haltingly—to see clearly enough to act responsibly.

And then to be sent onward.

Not because the work was finished, but because it was carried as far as it could be.

Thinking this way does not diminish the desire for many more years. If anything, it sharpens it. It reframes daily work not as something to get through, but something to be present within. It reminds me that clarity is not a destination. It is a practice.

Every season sends us again.

The question is not whether we will act. We always do.
The question is whether we will see well enough to act wisely.

If the end of my life someday requires a single line, I hope it points not to certainty, but to attentiveness. Not to arrival, but to faithfulness.

Sent.
With eyes to see.

My epitaph

 A Chatgpt thread:

I hope I have many more years but just in case, based on what you know about me right now, write my epitaph.

Here is an epitaph shaped by what you’ve shared—your work, your faith, your love of people and legacy, and your quiet insistence on doing things the right way:


Steven R. Perryman
Husband. Father. Grandfather. Friend.

He sought truth over comfort,
stewarded well what was entrusted to him,
and helped others see more clearly—
in business, in faith, and in life.

He believed work should have dignity,
leadership should serve,
and a life well lived should leave
people, families, and communities stronger.

Faithful to the end.
Sent with eyes to see.


If you’d like, I can also:

  • Make a shorter, stone-engraving version

  • Write a more poetic or more plainspoken version

  • Adapt it as a closing paragraph for a memoir, family history, or legacy letter

  • Write one that your grandchildren would read differently at 15, 35, and 65

You still have a lot of chapters left—but this one already reads well.


Why do you include "sent with eyes to see."

That phrase is there for three layered reasons, and I included it deliberately—not as ornament, but as summary.

1. It reflects how you move through the world

You are not simply curious; you are attentive.
Whether you’re reading financial statements, tracing family lines, coaching leaders, or wrestling honestly with Scripture, you keep asking:

  • What’s really going on here?

  • What’s beneath the surface?

  • What am I missing?

“Eyes to see” captures that posture better than words like intelligent or analytical. It’s about perception with responsibility.

2. It carries a biblical resonance without being performative

The phrase echoes Jesus’ refrain:

“Whoever has eyes to see, let them see.”

That isn’t about certainty or triumphalism. It’s about discernment, humility, and willingness to be changed by what is seen. That fits your faith as you’ve lived it—not loud, not brittle, not defensive, but engaged and honest.

And “sent” matters just as much. It implies:

  • vocation, not just belief

  • responsibility, not just insight

  • action, not withdrawal

You’ve consistently treated insight as something to be used in service, not hoarded.

3. It functions as a benediction, not a conclusion

Most epitaphs summarize the past. That line subtly points forward.

“Sent with eyes to see” reads less like he arrived and more like he was entrusted and dispatched. It leaves room for mystery, hope, and continuation—especially meaningful for children and grandchildren who will read it long after you’re gone.

It says, in effect:

He saw clearly enough to act faithfully—and then he was sent onward.

If you’d prefer, I can:

  • Ground it more explicitly in Scripture

  • Make it more understated

  • Replace it with a line that leans more toward legacy, service, or family

  • Or write three alternate closing lines, each with a different theological or philosophical weight

But as it stands, that line isn’t decorative.
It’s diagnostic.


Thursday, May 29, 2025

Look to the rock - Calico Rock that is.

Our hometown of Calico Rock has been in the news a lot this week.  And not in a positive way.   Prison breaks make national headline news.  Ugh!

It got me thinking about things, so I asked ChatGPT this question:

 “I am from a town named Calico Rock, Arkansas. I like a good metaphor so I like songs like, ‘I go to the Rock’ by Dottie Rambo and I like the verse from Isaiah 51:1. Will you write me a short sermon using this passage and any other "rock" biblical references or songs.”

 Here is its answer and a couple of my edits:

Absolutely. Here's a short sermon (approx. 7–8 minutes) titled "Look to the Rock" — grounded in Isaiah 51:1, with rich biblical metaphors and references to hymns like “I Go to the Rock,” and touching on your hometown of Calico Rock, Arkansas as a personal anchor.


"Look to the Rock"

Text: Isaiah 51:1
"Listen to me, you who pursue righteousness, you who seek the Lord: look to the rock from which you were hewn, and to the quarry from which you were dug."


Introduction: Calico Rock and the Power of a Name

Growing up in Calico Rock, Arkansas, you learn to appreciate the weight and beauty of stone. Our town is named for the colorful bluffs that rise above the White River—a place that feels solid, enduring, familiar. Maybe that’s why verses like Isaiah 51:1 speak so deeply to me. Because I know what it means to “look to the rock.”

Isaiah’s words were first spoken to a weary people—exiles who wondered if God still remembered them. And his answer was clear: Yes, I remember you. And you need to remember Me. Look to the Rock.


1. Look Back to the Rock – God’s Faithfulness in the Past

Isaiah says, “Look to the rock from which you were hewn.” And then in verse 2, he says who that rock is: “Look to Abraham your father and to Sarah who bore you.”

Abraham was just one man. Sarah was barren. They had no child and no land. And yet God said, “I will make your offspring like the stars of the sky.” And He did.

So when you feel small, forgotten, or without hope, Isaiah says: Remember where you came from. Not just your hometown—but the spiritual quarry you were carved from. You were formed by a God who keeps promises, even when the odds say otherwise.

Like that old song says:

🎵 "Where do I go when there's no one else to turn to?
I go to the Rock, I know He’s able, I go to the Rock."

— Dottie Rambo


2. Stand Firm on the Rock – God’s Security in the Present

Throughout Scripture, God is called our Rock—a symbol of strength, stability, and refuge.

  • Deuteronomy 32:4 – “The Rock, His work is perfect, for all His ways are justice.”
  • Psalm 18:2 – “The Lord is my rock and my fortress and my deliverer.”
  • Matthew 7:24 – “The wise man built his house on the rock.”

When everything else feels shaky—when health fails, finances fall, relationships fracture—we can still stand on something unshakable. That’s what Jesus meant when He said, “Build your house on the rock.”

And if you’ve ever stood on the bluff at Calico Rock and watched the water of the White River flow by rise and fall below you, you know what it feels like to stand on something that doesn’t move.


3. Come to the Living Rock – God’s Invitation for the Future

Peter says in 1 Peter 2:4–6:

“As you come to Him, a living stone rejected by men but in the sight of God chosen and precious… you yourselves like living stones are being built up.”

Jesus is the Living Rock—the cornerstone the builders rejected. But now, He invites us to be part of something eternal: a spiritual house, built stone by stone, soul by soul.

And He still invites us:

🎵 “On Christ the solid Rock I stand,
All other ground is sinking sand.”


Conclusion: When You Need Hope, Go to the Rock

So today, if you're:

  • Tired from trying to live rightly,
  • Wounded by things you can’t control,
  • Or just wondering if you still have a purpose...

Look to the Rock.

Not just to where you came from—but to the One who never changes, who holds you firm when the world shakes, who makes living stones out of sinners and saints alike.

Because whether you're standing on the bluffs of Calico Rock or walking through life’s valleys, there’s a Rock higher than you. And His name is Jesus.

🎵 “I go to the Rock of my salvation,
I go to the Stone that the builders rejected.
I run to the Mountain and the Mountain stands by me.”

Tuesday, May 20, 2025

Restoring Fiscal Responsibility: A Call for Deficit Reform and Campaign Finance Overhaul

By Steven R Perryman, CPA


Executive Summary

The United States faces a dire fiscal imbalance, with annual deficits approaching $2 trillion and national debt exceeding $34 trillion. This trajectory is unsustainable and threatens the nation's economic security, global standing, and future generations’ prosperity. Yet meaningful reform remains elusive—not due to a lack of solutions, but a lack of political will. At the root of this failure is a system of campaign financing that prioritizes short-term special interests over long-term national interest. The path forward requires a bold commitment to both fiscal discipline and campaign finance reform.


The Scope of the Crisis

In 2025, the U.S. federal government is projected to spend approximately $6.5 trillion while collecting only about $4.7 trillion in revenue. This gap—nearly $2 trillion—is not an anomaly but part of a structural pattern exacerbated by:

  • Unchecked entitlement spending growth

  • Rising interest payments, now rivaling defense in size

  • An outdated and loophole-ridden tax code

  • A political culture of delay and denial

Meanwhile, the national debt-to-GDP ratio exceeds 120%, placing the U.S. in uncharted fiscal territory outside of wartime.


The Root of Inaction: Money in Politics

Despite warnings from economists, rating agencies, and bipartisan commissions, Congress has failed to act. Why?

Campaign finance dysfunction is a central reason:

  • Powerful interest groups fund re-election campaigns and oppose reforms that may affect their tax advantages or subsidies.

  • Super PACs and dark money organizations flood elections with unaccountable influence.

  • Politicians prioritize short-term electoral survival over long-term national interest.

Without reforming how campaigns are funded, it is politically irrational for most lawmakers to support the tough decisions needed to close the deficit.


The Solution: A Dual Commitment

1. A 10-Year Deficit Reduction Plan

Congress should commit to a comprehensive fiscal realignment that includes:

  • Spending caps tied to economic growth

  • Entitlement reform that protects the vulnerable while ensuring sustainability

  • Tax reform to broaden the base and reduce evasion

  • A glide path to primary balance (excluding interest payments) within 10 years

This process must be transparent, scored by the Congressional Budget Office (CBO), and tracked publicly.

2. Comprehensive Campaign Finance Reform

True fiscal reform begins with political reform:

  • End dark money in politics through full disclosure laws

  • Enact public financing models (e.g., small donor matching)

  • Ban lobbying by ex-lawmakers for a cooling-off period

  • Reinstate limits on campaign contributions and political coordination with outside groups

Without these safeguards, the public interest will remain subordinate to donor agendas.


A National Imperative

The fiscal crisis is not a future problem—it’s a current emergency masked by low voter understanding and high market confidence. But confidence is fragile. A tipping point could come through:

  • A failed Treasury auction

  • A credit downgrade

  • A spike in interest rates due to inflation or de-dollarization

Waiting until then is irresponsible governance. Congress’s plan to close the gap should be the most watched-for event in American politics—not celebrity scandals or partisan theatrics.


A Call to Action

As a nation, we must demand from our leaders:

  • Fiscal honesty

  • Policy courage

  • Structural integrity

We can no longer afford the illusion that we can "grow our way out" of deficits without discipline. Nor can we tolerate a system where the price of elected office is moral compromise.

The time has come to align fiscal policy with democratic integrity. Campaign finance reform isn’t just an ethics issue—it’s a budgetary one.


Let’s build a future where Congress answers to voters—not funders—and where the federal budget reflects responsibility, not recklessness.



Sunday, May 4, 2025

The Danger of Flying Blind: Why the Income Statement alone isn't enough.

By Steven R Perryman, CPA

Most trucking business owners check their profit and loss statement every month. And many stop there.

But the income statement — as familiar and useful as it is — only tells part of the story.

Let’s say you had a strong month:

  • Revenue: $80,000

  • Expenses: $65,000

  • Net income: $15,000

You feel good… until you open your bank account and see $3,500. Then the fuel bill hits for $7,000.

Where did the money go?

👉 The income statement won’t tell you:

  • That $12,000 is tied up in unpaid invoices

  • That $9,000 went to loan principal payments

  • That $5,000 was spent on a trailer deposit

The truth? Profit isn't cash. And the income statement doesn’t account for everything that matters.


What You’re Missing

To understand your company’s financial health, you need to look at the complete financial statement package:

  • The balance sheet — shows what you own, owe, and what you’re worth.  It is who you are at any point in time.

  • The income statement — shows operational performance. It is how good your are over a period of time.

  • The cash flow statement — tracks actual cash movement.  It shows you the sources and uses of cash produced by the engine that is your business.

Together, these paint a much more accurate picture. You can spot patterns, make smarter decisions, and prevent surprises.


Before You Begin: Cash vs. Accrual Accounting

One critical issue many business owners overlook is how their books are kept.

Most start with cash accounting — recognizing income and expenses when money changes hands. But that doesn’t account for receivables, payables, or depreciation. And it can give a false sense of profitability.

Accrual accounting recognizes income when earned and expenses when incurred — providing a more complete and reliable view.

In the next installment of this series, we’ll explore why that shift matters — and how it might be the most important upgrade your business can make.


Need Help Getting Your Arms Around the Financials?

If your internal team is stretched thin, or you want to bring clarity and consistency to your monthly close, our fractional accounting services can quietly support your staff and produce timely, accurate financials you can trust.


Next up: Accrual vs. Cash — Why the Method Matters

➡️ Subscribe to get the next article in your inbox, or reach out directly if you want help making sense of your financials.


Friday, May 2, 2025

Psalm 86 - the George King version

A Prayer from the Heart – Inspired by Psalm 86

Lord,
I’m down on my knees talkin’ to You,
’Cause I sure do need You to listen.
I ain’t got much to offer,
But I belong to You, and I trust You with all I got.

Take care of me, Lord—
I try to walk straight, I try to do right.
Be merciful, ‘cause I’m cryin’ out to You all day long.
Lift my spirit, Lord,
I’m leanin’ hard on You.

You’re good, Lord.
Full of kindness and quick to forgive.
Anyone who hollers Your name gets Your love.
So I’m callin’ You now, Lord—
Please hear me out.
When trouble comes knockin’,
You’re the One I run to.

Ain’t nobody like You, Lord.
Ain’t nobody do what You can do.
One day, all the folks from all over
Gonna stand before You and worship.
They’ll see You for who You are—
Big and mighty and holy.

Teach me, Lord, to walk in Your ways.
I wanna live right and true.
Tie my heart to Yours so it don’t wander.
I’ll praise You, Lord, with all I got.
I’ll thank You forever,
’Cause You’ve been mighty good to me—
You pulled me outta some dark places.

Lord, there’s folks out to get me,
Mean ones who don’t care a lick about You.
But You, Lord, You’re full of mercy,
Kind and patient,
Faithful and loving through and through.

So I’m askin’,
Turn Your eyes toward me,
Give me strength,
Lift me up like only You can.
Give me a sign of Your goodness,
So my enemies will know You’re standin’ with me
And they’ll see I ain’t alone.

Thank You, Lord.
You always come through.
Amen.


Translated with the help of ChatGPT