Christian Financial Perspectives

In Part 5 of our Biblical Worldview of Money and Wealth series, we tackle a challenging but vital question: how do you faithfully provide for family without enabling harmful behavior? Drawing from passages like 1 Timothy 5:8 and James 2:14–16, this episode explores the biblical responsibility to care for those in our household—especially those who are elderly, ill, or truly unable to provide for themselves. Scripture makes it clear that genuine faith requires tangible action and compassionate provision. At the same time, we examine the wisdom of Proverbs and Paul’s teaching on work, reminding listeners that consistent financial rescue can sometimes enable laziness rather than promote growth. This episode offers balanced, biblical guidance to help you navigate compassion with discernment—honoring God as you protect, provide for, and wisely support your family.

Part 4 of our 12-part series on The Biblical Worldview of Money and Wealth explores the powerful “Ownership Principle” and challenges how we define ownership from a biblical perspective. While we may legally hold title to cars, homes, businesses, investments, and other assets, Scripture reminds us through Psalm 24:1 and Haggai 2:8 that everything ultimately belongs to the Lord. This episode contrasts the role of an earthly owner with that of a manager, helping believers understand that we are stewards entrusted with God’s resources—not ultimate owners. By embracing this truth, money and possessions lose their grip on our hearts, and we begin managing them according to biblical wisdom rather than worldly priorities. With guidance from passages like Luke 16 and the teachings of Jesus, this episode explains how faithful stewardship brings peace, purpose, and eternal perspective. When we truly believe that God owns it all, it transforms how we handle wealth, investments, and every resource entrusted to us.

In this episode, we continue the Biblical Worldview of Money and Wealth series with a deep dive into Biblically Responsible Investing (BRI)—an approach that aligns your investment decisions with your Christian values. You’ll learn how Scripture speaks to ownership, diversification, wisdom, planning, and the dangers of greed, fear, and false hope, reminding us that God owns it all and we are His managers. We explore how believers can honor God through ethical investing, long-term discipline, and thoughtful decision-making that resists cultural pressures and get-rich-quick schemes. This episode challenges Christians to see investing not just as a financial activity, but as a spiritual responsibility—using wealth wisely, avoiding idolatry, and letting your light shine through every financial choice.

In this episode, we explore The Biblical Worldview of Saving, unpacking why Scripture encourages saving, how much is enough, and when saving can cross the line into hoarding. Drawing from Proverbs and other passages, you’ll learn how God uses even the example of the ant to teach wisdom, preparation, and diligence during times of abundance. We’ll cover the biblical purposes of saving—preparing for emergencies, avoiding debt, providing for family, creating opportunities, and planning for retirement—while also warning against placing trust in wealth instead of God. This episode offers practical starting steps for building the habit of saving and reminds listeners that wise saving is about stewardship, generosity, and faith, not fear or accumulation.

Bob and Shawn examine why generosity is such a central theme in Scripture and why it has quietly faded from many church conversations. Drawing from passages like Malachi 3:10, Proverbs 3:9–10, and Acts 20:35, we explore how tithing is not about obligation, but about trust, worship, and acknowledging God as the true owner of all we have. The discussion also unpacks the deeper purposes of giving—breaking selfishness, meeting real needs, advancing the Gospel, and reflecting the heart of Christ. Listeners are challenged to move beyond a purely cash-based mindset and consider giving through time, talents, assets, and planned generosity, always guided by prayer, Scripture, and godly counsel.

In this episode, we introduce a Biblical worldview of money and wealth, uncovering why Scripture speaks so often about finances and stewardship. With over 2,000 verses addressing money, the Bible provides a complete framework for handling wealth in a way that shapes the heart, mind, and soul—moving us from fear and selfishness toward contentment and freedom. We touch on 12 key biblical principles—including giving, saving, investing, ownership, debt, work, integrity, and retirement—that together form God’s design for faithful stewardship. This episode sets the foundation for a 12-part series that will explore each topic in depth, helping believers align their financial lives with God’s wisdom and experience the joy and security that come from managing money His way.

In this episode, we break down the basics of Donor Advised Funds (DAFs)—a powerful charitable giving tool that lets you take a tax deduction now while giving to your favorite ministries or charities over time. You’ll learn how a DAF works, why it’s often more blessed to give than receive (Acts 20:35), and how you can contribute various assets, invest the balance, and recommend grants when you’re ready. We’ll cover the key advantages, common drawbacks, and the wide range of assets you can contribute—from cash and stocks to real estate and even business interests. If you’re looking for a way to streamline your giving, reduce taxes, and create a family legacy of generosity, this episode will show you how a DAF can serve your mission. Tune in to learn the basics and discover whether a Donor Advised Fund is right for you.

In this episode, we walk through seven smart year-end tax strategies for 2025 that could save you thousands if completed before December 31. With major changes from the new “Big Beautiful Bill”—including higher standard deductions, senior bonuses, and tax-free tips and overtime—you’ll learn why multi-year tax planning is more important than ever. We also touch on the biblical foundation for wise stewardship from Romans 13:6–7. You’ll hear practical tips like maximizing retirement contributions, boosting charitable giving, prepaying property taxes, harvesting losses, making tax-free gifts, delaying income, and purchasing needed business equipment. Each strategy is actionable, time-sensitive, and designed to help you keep more of what you earn. Tune in for a quick, valuable guide to finishing 2025 with meaningful tax savings.

Bob and Shawn break down the Biblical Four Uses of Money—Live, Give, Owe, and Grow—to help believers gain clarity and confidence in how they manage the resources God has entrusted to them. Instead of wondering where your money goes each month, this framework offers a simple, God-honoring way to allocate every dollar with purpose. From covering essential living expenses to practicing cheerful generosity, listeners will discover how Scripture provides both guidance and motivation for faithful stewardship. Whether you’re looking to get financially organized or deepen your understanding of stewardship, this practical walkthrough of the Four Uses of Money will give you a fresh and encouraging perspective.

In this episode, Three Money Questions Every Christian Needs to Answer (But Most Never Do), we explore what Scripture teaches about stewardship through three vital questions: Who owns it all? How much is enough? And how much can I give away? Drawing from passages like Psalm 24:1, Philippians 4:11-13, and Luke 12:16-21, listeners are challenged to see money and possessions as tools for God’s purposes rather than personal gain, finding true contentment in trusting Him as the ultimate owner. This episode blends Biblical wisdom with practical financial insight to help believers align their money with their mission. Learn how to create a plan rooted in faith, generosity, and eternal impact—so your finances can become a powerful tool for Kingdom building!

How can Christian parents wisely navigate the rising costs of education while honoring their child’s unique, God-given design? In this episode of Christian Financial Perspectives, Shawn and Matthew share six Biblical principles for stewarding your children’s education—from discovering their strengths to choosing the right savings strategies. You’ll learn about state-funded programs, alternatives to traditional college paths, and smart financial tools like 529 plans. Whether you’re just starting to plan or already feeling the pressure, this episode offers practical guidance and encouragement to steward both your finances and your children’s futures with faith and wisdom.

If you are trying to figure out how to distribute your inheritance after your passing, then this is the episode for you! Bob and Shawn touch on key points on how a large inheritance can lead to a spending frenzy, a lack of understanding of how long it takes to build wealth, and more dangers when it is not distributed properly. Instead, a large inheritance has various steps and safeguards that can be put in place in order to have a better success rate so that it might last for several generations. The goal should be to pass on not just the wealth, but the wisdom and good money management habits that allowed the wealth to be built in the first place.

Have you ever been approached by someone offering financial returns so great that it must be too good to be true? Bob and Shawn discuss the patterns and tactics that these financial wolves may use to lure you and your finances into unwanted territory. Some of these tactics include the ever famous “free, luxury steak dinner” to entice you and peak your interest. However, these financial advisors can be just like “wolves in sheep’s clothing” when it comes to their manipulative tactics that they use. Many of the products they promote are rarely benefiting the consumer, and they actually benefit the advisor more than the client. When you begin to look through the minefield of promises that really sound too good to be true (because they usually are), you begin to see a pattern.

Many have succumbed to the common pitfalls of emotional investing. In this episode, Shawn and Matthew provide some quick, Biblical guidance for avoiding making emotional decisions when it comes to your finances. Unfortunately, emotional investing can lead to poor financial decisions, which in turn can lead to trouble sleeping and being OCD about constantly checking market values. Instead of letting emotions guide our decision making, especially when it comes to the ups and downs of the market, it can be important to take a step back and take a long-term, disciplined approach to investing.

“The grass is always greener on the other side” is a famous phrase that far too many people succumb to, especially when it comes to comparing their financial situations and investment returns to others. Shawn and Matthew highlight the importance of not comparing your investment returns to others since every financial situation is unique based on household, expenditures, goals, and more! They cover why each investment portfolio is unique, and why investors should focus on the importance of understanding one’s financial goals and meeting those. Some key questions to consider after listening are: “Who owns it?”, “How much is enough?”, and “Are your next stewards chosen and prepared?”

One quote you may have heard before is that, “History is doomed to repeat itself.” Bob and Shawn take this quote to heart as they discuss the various times in history that the stock market has plummeted and then come back, thus repeating itself over and over again. They look at some of the most famous “crashes” of the last 50 years, break down their causes, and then discuss the after effects of the market. Some of these famous events include: 1973-1974 oil embargo, Black Monday in 1987, And the market volatility during the COVID-19 pandemic. Despite significant market drops during these events, the past markets have consistently recovered and gone on to reach new highs in the following years or months. Bob and Shawn caution against panicking during market downturns and highlight the importance of staying invested through market cycles.

One of the biggest stressors as humans probably has to do with our finances. Almost everything requires a payment, and treating finances in a way that glorifies God is just another add-on that Christians may have, something Christian Financial Advisors calls “Christian Stewardship”. Bob and Shawn discuss Christian stewardship and its relevance in today's society. Christian stewardship is the belief that everything we have, including our time, talents, and resources, is a gift from God to be used responsibly and for His glory rather than only for personal gain. We are his managers of the money, gifts, and blessings that have been bestowed upon us. So how exactly does a Christian honor God with their finances? Biblically responsible investing is one way of showing Christian stewardship. Christians can invest in companies that demonstrate Christian values and avoid companies that violate those values, regardless of investment returns.

Have you ever considered rental house income as an extra source to add to your finances? Things may not be as easy as they seem, as rental homes are often not delivering the expected returns for investors, especially in high property tax areas like Texas. Bob and Matthew cover the estimated yield income from a rental home property in comparison to other investment choices. If rental income is something you’re interested in delving into a little more, a better alternative to rental homes may be to invest in a diversified portfolio of publicly traded real estate investment trusts (REITs). Not only can they provide higher yields of over 5% with more liquidity, they are also much less time and hassle than owning individual rental properties.

Do you ever feel like your household isn't in order, especially when it comes to your finances? This is something many people struggle with, and why it's important to have a trusted financial advisor by your side to walk you through the steps of getting your finances in proper order. Bob and Matthew discuss 10 of the areas that they see people struggling with the most when it comes to organizing finances. From choosing the proper insurance for your house and health to having an up-to-date estate plan, there are several important areas of discussion in today's episode. If you are looking for help with putting your financial household in order, our fee-based, fiduciary-driven financial advisors and planners are here to help.

Investment risk vs reward vs time is a great topic that allows us to better understand how the market works when it comes to timing and longevity. Bob and Matthew divide various investment styles up into 5-6 portfolios, with comparisons between investment portfolios and driving speeds. These include: Cash and cash equivalents, Ultra-conservative, Conservative, Moderate or balanced, Growth, Aggressive Growth. The higher the risk, the higher the possible reward, but it's also extremely important to keep in mind your time horizon when it comes to choosing an investment portfolio. Emotions can lead investors to make poor decisions, so professional guidance from fee based advisors, like Christian Financial Advisors, is valuable to help maintain a long-term perspective and disciplined approach.

Free money? Sounds too good to be true! However, Bob and Matthew discuss several ways that you can earn free money without compromising your values. This isn't a “get rich quick” scheme, but rather using your investments in wise ways in order to build wealth over time while remaining content and glorifying God. Some of these strategies are best for retirees, while others are better suited for younger investors. Sit back and listen as we discuss 3 ways to uncover “free” money.

This episode covers the in depth topic of tax-efficient asset location, which involves strategically placing different types of assets (such as stocks and bonds) in various account types (such as taxable accounts, Roth IRAs, and traditional IRAs) to minimize the overall tax burden on investment returns over time. Bob and Matthew break this down into various key points of asset allocation, asset location, how exactly it works, is asset allocation for everyone, and what is the advantage? Asset allocation is not a “one size fits all” strategy, and it can require analysis and understanding from a certified financial advisor.

Learn about one of the most powerful mathematical formulas that has been around for hundreds of years when it comes to investing – The Rule of 72. Bob and Matthew break down compounding interest and how it works through the unique mathematical formula of the Rule of 72. The Rule of 72 truly shows the power of compound interest and how it can dramatically impact long-term wealth building. Investing must have a long-term perspective by avoiding distractions. By just being patient and not removing money periodically from your investments, the Rule of 72 demonstrates how money can double in value over time at a given rate of return. How else can you enhance your investment portfolio? By starting young and investing early, as discipline is crucial.

The parable of the talents in Matthew 25 teaches powerful lessons about stewardship, trust, and making the most of what we’ve been given. This week, Bob and Matthew break down the parable of the talents, including ways that the servants may have invested, how long they invested, and what principles they might have used when choosing how to invest their talents (like how Christian Financial Advisors uses Biblically responsible investing). Key lessons from this parable and our podcast episode include: - Stewardship: We are accountable to God for how we use the resources and gifts He has entrusted to us. - Faith vs. Fear: The parable contrasts the servants who acted in faith versus the one who was paralyzed by fear, highlighting the importance of trusting God rather than succumbing to anxiety. - Growth and Accountability: The master rewards the servants who grew their talents, emphasizing the need to be productive and make the most of what we’ve been given.

This is one of the most personal podcast episodes that you may hear from Christian Financial Perspectives, as these scriptures are what have directly shaped Christian Financial Advisors and the business we are today. Because of this, Bob and Shawn have many scriptures to share that have to do with 10 Biblical principles that the business has used to guide our financial advisors (and personal finances) when it comes to Biblically responsible investing. From being good stewards of our financial resources and creation because “God owns it all,” to sharing exactly what the Bible has to say about hard work and savings, you will hear some great stewardship principles on finances. Most are pretty straightforward, but you may just have your eyes opened with these financial wisdom tidbits straight from the Bible!

Within the past 5 years, our world has truly transformed the way individuals can receive personalized financial advice, making location no longer a barrier. With advancements in video conferencing, digital documentation, and secure online access, values based financial advisors, like Christian Financial Advisors, can give personalized financial guidance without the need for in-person meetings. Even if you do live close to your financial advisor, the convenience, ease of communication, and extended adviser availability are benefits of the shift to online financial advice. Finding an advisor that aligns with your values and needs is more important than geography, as technology enables advisers to serve clients nationwide, and Christian Financial Advisors is here to help you with just that!

Are you struggling with an upcoming decision that may cost a lot financially? Many of us come to this point when it is time to purchase a new car, new house, make renovations, or anything else that can put a damper on your bank account. Finding a way to navigate the minefield of the pros and cons of a big financial decision can be confusing and stressful! This is why Bob and Shawn discuss 10 steps – or questions to ask yourself – before making a decision that is financially large. Will you go into a debt that you can't dig out of or is it something that seems like a passing whim or fad? All of these questions and more are discussed to help you the next time you need to make a wise financial decision.

Have you started setting goals and resolutions for the upcoming new year? Whether they are big or small, setting an intention for the year is a great way to start off 2025. Bob and Shawn discuss various ideas for goals for the new year, as well as the importance of writing down your new year's resolutions. Setting clear, intentional goals that are written down can increase success rates tremendously, and Harvard business studies have shown just this. Bob and Shawn also recommend setting up categories for your new year's resolutions, like physical, mental, relational, spiritual, financial, and even charitable goals.

Welcome to this unique episode on teaching your children good money habits! It's never too early to start teaching your little ones the importance of saving and giving, as well as working hard to earn your finances. Bob and Shawn go over several ways to help instill good money routines into your kids – starting from easy concepts for little ones to more abstract ideas for older children. So, sit back, listen, and grab a pen and paper to write down these tips when it comes to teaching your kids good money habits.

It's that time of year again! The time where you may try to condense as many tax strategies as possible into your finances before the end of December. If this is you, then this episode is a must listen! Bob and Shawn discuss year end tax strategies that may be used to possibly reduce 2024 tax liabilities before the end of the year. A few of the key strategies discussed include maxing out contributions to your 401k and making gifts to responsible family members. Whether you choose all of the strategies mentioned, or only a few, we hope that you gain something from this episode. As always, we encourage you to discuss these year end tax strategies with your CPA for proper implementation.

Christmas is a stressful time for most of us when it should be a time full of joy! It is a time to remember the birth of Jesus, giving back to others, and showing those around us love. Instead, it has turned into a time of stress and demand, always wondering what the best gift is to give, trying to find the best deals, and basically just surviving the season. All this is done while trying to maintain composure and put on a mask of joy. Instead, what if we changed our mindset on gift giving to bring the true meaning of the season back to the front. In this episode, Bob and Shawn discuss unique, money saving ideas for Christmas and gift giving. These aren't your typical “hit up the sales” ideas, but rather suggestions that come from the heart to spread true joy around the real meaning of Christmas.

Are you voting with your values, but unknowingly investing against them? In this episode, Bob and Shawn uncover the importance of aligning your financial decisions with your Christian beliefs, particularly when it comes to voting one way but maybe investing another way. Discover how you can vote and invest in harmony with your Christian faith by choosing to invest in companies that align with your Biblical values, such as pro-life and pro-family. If you are voting this way, then shouldn't the way you invest also align with these principles? In today's modern financial world, it's actually quite easy to invest in alignment with their values through Biblically Responsible Investing.

Are you ready to take control of your financial future with a DIY approach? In this episode, Bob and Shawn guide you through 10 essential steps to effective financial planning, all from a Biblical perspective. Don't find yourself unprepared for the future by not preparing now. Whether it's discovering which stage of retirement you might currently be in or you just need to sit down and develop clear financial goals, this episode can help you discover how to manage your finances wisely.

Are you tempted by the allure of quick riches? In this episode, Bob and Shawn uncover the dangers of fast money, while exploring why sudden wealth can lead to reckless decisions and financial ruin. They also discuss how to align your financial journey with Biblical wisdom. The Bible repeatedly warns against the pursuit of wealth through dishonest or unwise means. Instead, create a comprehensive plan focused on long-term goals rather than short-term gains. The key is to avoid the temptation of “fast money” and instead focus on faithful stewardship of one’s resources.

What does the Bible really say about retirement? Retirement is actually mentioned only once in the Bible, where it refers to the Levites retiring from their regular service at the age of 50. However, the Bible emphasizes the importance of work around 500 times, with work being part of God's original design for humans. Retirement, as we understand it today, is a cultural concept rather than a Biblical one. In this episode, Bob and Shawn explore how to align your retirement plans with a Biblical perspective, focusing on service, purpose, and finishing life. Retirement should not be solely focused on personal interests and agendas but should be about glorifying God and serving Him.

Are you making financial mistakes that could jeopardize your future? In this episode, Bob and Shawn uncover common pitfalls like overspending, relying on debt, and ignoring the importance of a solid financial plan. Some of these common financial mistakes can happen without a second thought, while others require more planning but can still catch the best of us off guard. Being aware of these common financial mistakes is the first step in allowing you to better avoid and plan for the future. Join us as we explore how to align your finances with Biblical wisdom and secure your financial wellbeing.

Are you curious about the real story behind those free steak dinner invitations for annuity seminars? In this episode, Bob and Shawn uncover the benefits and risk of annuities and why you should be cautious when attending those enticing events. After comparing both sides - the risks and benefits of annuities - listeners will be better prepared to make an informed decision concerning annuities as an investment option. As always, it is important that listeners do their own research, while also being cautious of deceptive annuities' sales practices.

Have you ever wondered if investing in gold is truly a safe bet for your financial future? Is gold really the ultimate hedge against inflation and economic instability or are there hidden risks and downsides that you need to know about? In this episode all about gold, Bob and Shawn uncover the historical significance of gold, delve into the real risk and returns, and explore the Biblical perspective on gold as an investment. Overall, it's important to work with a fiduciary financial advisor to tailor one's investments to their goals and risk tolerance.

Are you constantly chasing the next big investment opportunity? Do you never feel content with your current financial situation? Financial FOMO, or the fear of missing out, can trap us in a cycle of dissatisfaction, envy, and greed. In this episode, Bob and Shawn expose the dangers of the “Financial FOMO” mindset. Unfortunately, companies and media use financial FOMO to manipulate consumers into overspending and taking on debt. The antidote we recommend? Finding contentment in Christ, practicing gratitude, and focusing on reasonable returns rather than chasing the latest trends to help try and live a more fulfilling and financially stable life.

Feeling overwhelmed by the constant need to track every penny? Does the thought of budgeting and counting numbers fill you with dread? Bob and Shawn reveal a simple approach to managing your finances without the hassle of traditional budgeting. You'll learn how to gain control, reduce overspending, and aim to achieve your financial goals all without the burden of counting.

Are you tired of feeling lost in the world of investing? Unsure of how to navigate the ups and downs of the market? In this episode, Bob and Shawn explore 10 powerful Biblical principles that will guide you towards wise, faith-based investing decisions and help you stay focused on your long-term goals. Some of these areas include making investment decisions based on facts and math, rather than emotions or hearsay. Investing is a marathon, not a sprint, and should be viewed through a long term lens in order to create a well thought out financial plan.

Tired of your precious metals and valuables just sitting around collecting dust? Want to make a difference while also lowering your taxes? In this episode, Bob and Shawn explore 10 creative non-cash giving ideas that can help you bless others, leave a legacy, and reap the rewards of generosity. They cover ideas such as giving precious metals, real estate, stocks and bonds, as well as miscellaneous valuables and collectibles. If none of these non-cash giving ideas work for you, then you can always volunteer your time to bless others. Giving your time is something beyond donating cash or resources in order to help nonprofit organizations succeed.

Are you feeling trapped by the chains of materialism? Always longing for more, but never finding true contentment? In this episode, we'll explore how to break free from the grip of greed and discover the joy of a Christ-centered life filled with purpose and generosity. Bob and Shawn provide Biblical perspectives on materialism and its negative effects on relationships, physical health, and overall well-being. We encourage listeners to seek God's help, find contentment in what you have, and prioritize meaningful relationships over material possessions.

Do you know the difference between popular financial advice and essential Bible-based financial wisdom? On this 200th episode celebration, Bob and Shawn reveal the top seven most crucial financial topics from our first 199 episodes. Christian Financial Perspectives began with the goal of providing timeless Biblical wisdom and education to our audience. Over the years, some of our most educational topics have included sudden wealth syndrome and investing in gold. We hope to continue providing financial advice from a Christian perspective for many more episodes to come!

Are you ready to dive deeper into God's design for generosity, giving, and leaving a lasting legacy? In this final part of our series, Bob and Shawn explore Biblical perspectives on using wealth to bless others and how to properly pass on an inheritance that impacts generations to come. “Biblical Viewpoints of Money and Wealth” emphasizes the importance of stewardship and giving from a Biblical worldview. In this episode, weeks 6 and 7 are summarized, which includes the ripple effect of giving and the proper way to leave an inheritance and legacy for future generations.

Do you struggle with aligning your view of money and wealth with the Bible or are you looking for a deeper Biblical perspective? For several episodes, Bob and Shawn are diving into a study examining God's design for wealth and work. In part 2 of 3, they delve into the differences between secular and Biblical counsel, and the Biblical perspective on money and wealth. We recommend you to go back and listen to part 1 before digging deeper into this episode of “Biblical Viewpoints of Money and Wealth”. The book can be found on Amazon, and we encourage listeners to engage in the study and to share the episode with others who may find it beneficial.

Do you struggle with aligning your view of money and wealth with the Bible or are you looking for a deeper biblical perspective? Over the next few weeks, we'll dive into a study examining God's design for wealth and work called "Biblical Viewpoints of Money and Wealth". The study is a seven-week deep dive into what the Bible says about money and how it applies to real life. It covers topics such as the difference between a Biblical and secular worldview and the responsibilities of an owner versus a manager. The study is available for purchase on Amazon, but please don't hesitate to reach out if you are interested in teaching or promoting the study in their churches or small groups.

Want to avoid money regrets and costly financial errors? Eager to learn common pitfalls that trip up even seasoned investors? Well, in this episode of our 2 part series on “Foolish Financial Mistakes”, Bob and Shawn cover 10 more financial mistakes to steer clear of that can cost you dearly. Instead of blaming others for financial mistakes, they emphasize using wisdom and taking responsibility for one's financial decisions. It's important to seek out professional financial advice from a fiduciary based advisor who has your best interests in mind. As always, please share this content with anyone who you think may benefit from it!