Grumbling was increasing as the work was demanding and fatigue set in. The work was backbreaking and little sleep was the norm. Scripture tells that many of them never took their clothes off and systematically rotated to bathe. We learn that money brings out the worst in men. Paul tells us that "the love of money is the root of all evil." Nehemiah had to exert tough love, a hard thing to do. When you do:

1. It Means Experiencing Personal Anguish at the Hands of People You Love (vv. 1-6).
   Taxes were exorbitant. Some of the residents were lending money to their needy friends at unbelievable interest rates. The rich were becoming richer and the poorer likewise! Poverty was inevitable. Some were "mortgaging fields" (v. 3) in order to buy food. Nehemiah took it on the chin as he confronted those he loved.
2. It Requires a Loving yet Direct Communication of the Truth (vv. 7-11).
   Nehemiah did not mince words. He said, "you are exacting usury" (v. 7), suggesting interest charged unfairly. Some of the people were at the point of placing their children as collateral. Nehemiah had personally bought his Jewish brothers from pagan captivity and now accused the self-centered Jews of abusing their friends in turn. He simply spoke the truth in love, "what you are doing is not right" (v. 9).
3. Realize the Exclusive Ability of God to Change a Heart (v. 12, 13).
   Men can improve each other. Seminars may sharpen skills, yet only God can change a heart. God did change the hearts of those abusing their fellow countrymen. After Nehemiah’s reprimand, the people replied, "we will give it back" (v. 12). They responded by returning mortgaged fields, grain, olive groves, etc. They were serious. God was serious.

Conclusion: The response was incredible. The people shouted, "Amen" in agreement. God changed hearts. He can change yours as well!

Illustrate