I've wondered about this question most of my life. In evangelical terms, I was saved when I was 12 years old. The "cost" of being a disciple at that time was 1) believing in the death and resurrection of Jesus and 2) giving my life to him in order for him to do with me what he will.
The problem is, neither of these "cost" match the cost that Jesus' disciples paid. According to the gospels, they initially had to leave their vocations and families in order to be one of his disciples. Is this cost still necessary today? Does Jesus call us to leave our loved ones and jobs in order to be his disciples?
Another cost that Jesus laid down was for the rich to sell everything they had and to give the money to the poor. The early church (described in the book of Acts) did just this. They sold their posessions and distributed the money so that, according to the text, there was no one needy among them. I have never, NEVER seen this done in any church that I have attended. Most Christians that I know don't tithe, let alone sell everything they have and give the money to the poor.
Another cost that I will mention is the cost of martyrdom. If Christian history is correct, all the disciples, except for John, died for following Jesus. Is this cost still applicable today? If we read the Faith Chapter of Hebrews (12, I think), we see many people who died for their faith.
I'm now almost 50. In a very general sense, I know that the cost of following Christ is loving God and loving others. But I am sorta clueless as to the specifics of HOW this cost is lived out. Is the cost handling snakes, drinking poison, and raising the dead? I've done none of those, except for maybe picking up a garter snake and drinking coffee. Oh, I do get my adolescent daughter out of bed which might qualify.
I never been in any church where the specifics of the cost of following Jesus were made known. Altar calls are usually focused on repentance, confession, and surrender. Good things, I'm sure. But I have never heard an altar call where potential Christians were told that they would need to sell what they have, give the money to the poor, leave their jobs and family, and possibly give up their very lives in order to follow Jesus. Have you?
What does it mean to follow Jesus in the 21st century? Should we go by the criteria that Jesus laid down in the 1st century? Or do we take a "kindler, gentler" approach? What does it mean to carry one's cross in our culture? What is the minimum cost that must be paid if we want to call ourselves disciples of Christ?

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