Faith & Finance

Did you hear about the guy who owned last year’s top-performing funds? Yeah, it's too bad he bought them this year, though.There’s a lot of evidence to suggest that buying and holding index funds will pay off in the long run. Benji Bailey joins us today to make the case with some impressive numbers.Benji Bailey is Vice President of Investments and Senior Fixed Income Manager at Praxis Mutual Funds, an underwriter of Faith & Finance.The Importance of Indexes in InvestingTo understand index funds, we can view them like guideposts in a national park. Just as signs direct visitors to scenic views and help them stay on the right path, indexes serve as essential benchmarks for investors. These benchmarks, such as the S&P 500 for large-cap stocks or the Bloomberg Aggregate for bonds, allow investors to measure their progress toward financial goals.Without these guideposts, investors risk straying off course, possibly realizing too late that their portfolio has been heading in the wrong direction. Publicly available indexes provide a crucial check-in, ensuring investments align with long-term objectives.Many investors believe they can outperform the market by actively trading stocks. However, research suggests otherwise. A study published in The Journal of Finance found that individuals who frequently traded stocks underperformed compared to those who traded less.Over a six-year period:The market returned approximately 18% annually.Less active traders saw returns of around 16.4%.The most active traders only achieved 11.4%, underperforming by over 6%.This trend highlights the dangers of excessive trading. Warren Buffett summarized it well: “The stock market is designed to transfer money from the active to the patient.” The Bible echoes this wisdom in Proverbs 13:11: “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”Active vs. Passive Mutual FundsA key distinction in investing is the difference between active and passive mutual funds:Active funds: Managed by professionals who handpick a smaller set of stocks, hoping to outperform the market.Passive funds: Designed to mirror an index, holding a broad range of stocks for stable, long-term growth.According to Morningstar, over the past 15 years, only 9% of actively managed large-cap funds outperformed their passive counterparts—meaning 91% of active funds underperformed. This data suggests that passive investing can be a more reliable strategy for many investors.Aligning Investments with Faith ValuesMany faith-driven investors worry that traditional index funds may include companies whose values don’t align with their beliefs. Praxis Mutual Funds addresses this concern by screening out companies involved in industries such as:AlcoholTobaccoGamblingAbortion-related businessesHowever, the more companies an investor removes from an index, the greater the potential for volatility in returns. For example, removing just one company from the S&P 500 would have little impact, but excluding half of the index’s stocks would significantly increase volatility.Praxis Mutual Funds utilizes an optimized equity index strategy to balance faith-based values with financial performance. Instead of replicating an index, Praxis screens out objectionable companies and uses a software-driven approach to reallocate funds into a diversified mix that closely tracks the market’s performance.This method allows faith-based investors to remain aligned with their values without sacrificing reasonable returns.The Role of Patience in InvestingMarket volatility can make investing an emotional challenge. Many investors instinctively buy when the market is high and sell when it’s low—precisely the opposite of what leads to long-term success.Historical data shows that the S&P 500 has had an average annual return of around 10% over the past 97 years, but actual yearly returns rarely fall near that average. Investors who stay the course and focus on long-term gains are more likely to benefit from market growth.The Bible encourages this patient approach in Ecclesiastes 11:2: “Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” Diversification and patience are essential principles for wise investing.Making a Positive Impact Through InvestingBeyond screening out specific companies, Praxis Mutual Funds takes an active role in making a positive impact through:Proxy voting: Ensuring shareholder influence aligns with faith values.Shareholder engagement: Advocating for ethical corporate practices.Community development investing: Allocating 1% of funds to microfinance and social impact projects.Faith-based investing is about more than avoiding harmful industries; it’s also about using investment dollars to create meaningful, Christ-centered change in the world. Whether through index funds or faith-based investment strategies, the goal is to align financial decisions with biblical principles.As Proverbs 21:5 reminds us: “The plans of

"And the King will answer them, ‘Truly, I say to you, as you did it to one of the least of these my brothers, you did it to me.’" - Matthew 25:40Millions of people around the world need the basic necessities of life, but even more importantly—they need the Gospel. One organization is helping them receive both. Kelly Miller joins us with an impact report.Kelly Miller is the CEO and President of Cross International, an underwriter of Faith & Finance.A Ministry Model Built on PartnershipCross International’s approach to global missions is unique. Instead of working independently, they partner with local Christian organizations, churches, and nonprofits in the countries where they serve.These local partners know their communities far better than we do, and Cross International’s role is to walk alongside them and help them expand on what God has already called them to do.This collaborative model not only maximizes impact but also reflects the unity of the Body of Christ as believers across the globe work together to serve those in desperate need.An Impact Report: What God is Doing Through Cross InternationalCross International's mission goes beyond charity. It is about sharing Jesus' love while addressing critical physical needs.Here’s a snapshot of what God is doing through their ministry:40,000 children and adults receive food support annuallyOver 3 million servings of fortified rice were provided last year16,000 people gained access to clean, safe drinking waterHundreds of thousands received medical supplies and essential medicinesEach of these numbers represents real lives being changed—people who are now experiencing hope, stability, and the love of Christ.Serving in Crisis: Cross International’s Work in HaitiHaiti has endured political instability, gang violence, and natural disasters, yet in the midst of turmoil, Cross International continues to bring hope.Key Ministries in Haiti:Primary education for thousands of childrenTutoring and vocational training to prepare young people for employmentDaily nutritious meals—often the only meal a child will eat all-dayDespite the negative news headlines, God is moving in Haiti, and Cross International is at the forefront of that transformation.Caring for Orphans and Vulnerable Children in AfricaIn many African nations, AIDS, poverty, and natural disasters have left countless children orphaned and homeless. Through their partnerships, Cross International provides:Education and tutoring for at-risk childrenDaily meal support for children without food securityHome rebuilding for families living in unstable, mud-based housingBy offering stable housing, education, and nourishment, Cross International is breaking the cycle of poverty for these children and their families.One of the most inspiring aspects of Cross International’s work is how it transforms entire communities.Take Malawi, for example—a country where child malnutrition and extreme poverty are common. Without the feeding program, many children would not go to school. The cycle of poverty would continue. In many cases, young girls would be married off at 11 or 12 years old because their families cannot afford to feed them. This program is breaking that cycle.Through Cross International’s work in Tanganyika, Malawi, over 500 children receive food, education, and discipleship—offering them a new future filled with hope and purpose.Meeting Spiritual Needs Alongside Physical OnesCross International provides food, water, and education, but it also shares the life-changing truth of the Gospel with its beneficiaries.Children need to be rooted in God’s Word from a young age because navigating life becomes much harder without it. When they learn early on, they grow up with the unshakable truth that God is their provider, guiding and sustaining them through every season of life.Cross International’s faith-centered mission is a direct response to 1 John 3:17, which reminds us that true love for God is demonstrated in how we care for those in need.How You Can Partner with Cross InternationalCross International has launched the Thriving Kids Initiative, a program designed to help orphaned, vulnerable, and disabled children not only survive but thrive.By focusing on three key areas:Strengthening familiesBuilding faith communitiesProviding essential resources (food, water, shelter, education)Cross International creates a foundation for long-term stability and spiritual growth.For just $62 a month, you can provide:Nutritious mealsClean and safe drinking waterEducation and discipleshipVisit crossinternational.org/faith to become a monthly partner.As believers, we are called to use our financial resources for God’s purposes. Partnering with Cross International is a tangible way to invest in lives, eternity, and the Kingdom of God.God entrusts us with wealth so we can join Him in His work, using our resources to further His Kingdom. As the Body of Christ, let’s come together to transform lives and bring the hope of Jesus to those

They say you shouldn’t sweat the small stuff, but that doesn’t mean you can ignore the big stuff, either. When it comes to finances, and especially investing, it’s important to get the big moves right. Mark Biller joins us today to go over the things that need special attention.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we’ll cover some key takeaways from Sound Mind Investing’s recent article, Getting the Big Moves Right, which explores seven critical investment decisions that can make or break your financial future.1. Have a Clear Investing PlanAs the old saying goes from the Cheshire Cat from Alice in Wonderland, "If you don’t know where you’re going, it doesn’t matter which way you go." A successful investment strategy starts with a plan—one that outlines:Your target retirement dateThe amount you hope to have saved by that dateThe steps needed to achieve that goalWithout an investment plan, it’s easy to drift or make hasty decisions based on emotions or short-term market fluctuations.2. Commit to Investing ConsistentlyOne of the most significant factors in successful investing is how much you invest each month. While everyone’s situation differs, investing 10–15% of your monthly income during your working years is a general rule of thumb.Your age, retirement timeline, and savings goals will influence this percentage, but the key is to make investing a consistent habit—not something you do only when you have extra cash.3. Get Your Asset Allocation RightThere’s no such thing as a “perfect portfolio” that always wins in the market. Instead of chasing returns, focus on the right mix of investments for your:Time horizon (how long you have until retirement)Risk tolerance (your ability to withstand market fluctuations)At SMI (Sound Mind Investing), their members start with a risk tolerance quiz to determine the best balance between stocks and bonds. A well-diversified portfolio ensures that when one part of the market struggles, another part can provide stability.4. Choose Investments WiselyMany investors fall into the trap of buying stocks or funds based on hype or following the latest market trend. Instead, focus on:Process-driven investment strategies that guide decisions based on long-term goalsDiversification across asset classes to minimize riskAvoiding emotional investing based on fear or excitementRather than constantly adjusting your portfolio based on short-term news, stick to a disciplined investment approach that aligns with your financial plan.5. Measure Success with the Right BenchmarkToo many investors compare their portfolios to popular stock indexes like the S&P 500, but this can be misleading.If your portfolio contains more than just large U.S. stocks, using the S&P 500 as your benchmark may lead to unrealistic expectations. Instead, measure success based on:Your personal financial goalsThe average return needed to achieve those goalsIn other words, success isn’t about “beating the market”—it’s about making steady progress toward your investment objectives.6. Limit How Often You Check Your InvestmentsOne of the biggest emotional traps investors fall into is checking their portfolios too frequently.Daily monitoring can lead to panic-driven decisionsOvertrading increases costs and reduces long-term gainsMarket fluctuations are expected, and checking too often can create unnecessary stressAt SMI (Sound Mind Investing), they recommend checking investments monthly—or even quarterly—to maintain a long-term perspective.7. Stay Committed for the Long HaulMany investors struggle with "grass-is-greener" syndrome, constantly switching:Investment strategiesFinancial advisorsIndividual stocks and fundsWhile there are appropriate times to make changes, they happen far less frequently than most investors think. Choose your investment strategy carefully, then stick with it—even when market conditions fluctuate.What to Let Go of for Investment SuccessOnce you’ve nailed the big investment moves, free yourself from these distractions:Daily Market News—Most headlines are designed to create fear or hype, not provide useful long-term advice. The “What-If” Game—Don’t waste time thinking about missed opportunities—focus on future decisions. Portfolio Micro-Management—Diversification means some investments will perform better than others at different times. Stay patient and trust your strategy.Investing isn’t about perfection—it’s about faithfulness and consistency. Here’s how to ensure long-term success:Create an investment planStick to your strategyCommit to steady investingMonitor progress with the right benchmarksLimit emotional reactions to market noiseThe key to financial freedom isn’t found in chasing quick gains—it’s in making faithful, long-term decisions that align with wise stewardship principles. Above all, trust God as your ultimate provider. Investing is a tool for wise financial stewardship, but our true security is in

As the saying goes, you don’t need to be wealthy to start saving—but you do need savings to build wealth.Right now, one of the best ways to grow your savings is by taking advantage of high-yield savings accounts. But how long will these elevated rates last? Let’s explore what’s driving these rates and what you can do to maximize your savings.The Role of a Savings AccountBefore we dive into high-yield savings, let’s clarify what a savings account is—and what it’s not. Unlike investing accounts involving higher risk, a savings account is a secure place for short-term financial needs.A savings account is ideal for:Your emergency fundBig purchases you plan to make in the next few years, such as a car or home repairsCurrently, some online savings accounts offer interest rates between 4.75% and 5%, significantly outperforming traditional brick-and-mortar banks. But why are these rates so high?The Inflation Factor: Why Rates Are HighInflation plays a significant role in determining interest rates. The Federal Reserve typically raises interest rates to slow inflation down when inflation rises.Over the past couple of years, inflation has remained higher than the Fed’s 2% target. As a result, the Fed has held off on cutting rates as originally anticipated.Bad news? If you have a variable-rate loan like a credit card or home equity line of credit, you’re paying more in interest.Good news? You're earning more on your savings if you have a high-yield savings account.Because banks adjust their rates based on the Fed’s actions, the question remains: How long will these higher yields last?Will Savings Yields Stay High?Only God knows for sure, but we can make an educated guess based on two factors:The latest inflation numbers—If inflation continues around 3%, the Fed may hold steady, keeping savings rates high.The Federal Reserve’s reaction—If inflation drops to 2.5%, the Fed might cut interest rates, eventually leading to lower savings yields.Even when the Fed does cut rates, it can take time for savings yields to follow. Banks tend to delay lowering interest rates on savings accounts. Likewise, when the Fed raises rates, banks take their time increasing yields.Why? Because banks don’t want to be the first to make a move. They wait to see how competitors react so they can stay within industry standards while remaining competitive.How to Get the Best Savings RatesSince banks adjust rates at their own pace, it’s wise to monitor trends. If your bank consistently offers lower yields than what’s available online, consider moving your money.To compare savings rates, check websites like:BankrateNerdWalletAdditionally, if savings account yields start dropping, you might consider alternatives like:Certificates of Deposit (CDs)—Offer fixed, higher yields for a set period.Money Market Accounts—Typically have higher yields than standard savings accounts.Credit Unions: A Hidden Gem for High YieldsIf you’re dissatisfied with your bank’s rates, you don’t necessarily need to switch to an online bank. Credit unions often offer higher savings yields than traditional banks.Unlike for-profit banks, credit unions return profits to their members through:Higher interest rates on savingsLower fees and better loan ratesOne faith-based option is Christian Community Credit Union, which offers competitive savings rates and gives a portion of its revenues to support ministry efforts worldwide. Learn more at JoinChristianCommunity.org.Proverbs 13:11 offers timeless wisdom on the importance of saving:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”The key to faithful financial stewardship is making wise, intentional choices—whether that’s finding the best savings rate or consistently setting aside money for the future.As you grow your savings, remember that true stewardship isn’t just about accumulating wealth—it’s about using what God has entrusted to you wisely.On Today’s Program, Rob Answers Listener Questions:How can I have a conversation with my spouse to combine our finances instead of keeping them separate? It seems like we're both always out of money when we keep them separate.I've heard you talk about qualified charitable deductions, and I wanted to ask if I can use them for my tithes. I'm 70 years old. How exactly does it work?How do I compare the value of the pension plan I have in my current job to a 401(k) that other employers may offer?I've received a $1,780 per month retirement windfall. My son is suggesting I invest in Bitcoin, but what would you recommend I do to be a good steward of this money?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit UnionMoney and Marriage God's Way by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian F

"If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?" – Luke 16:11Managing money wisely in today’s fast-paced world isn’t always easy. With so many financial demands, it’s tempting to take shortcuts—grabbing coffee on the go, eating out instead of cooking, or neglecting a budget altogether. But faithfulness in finances requires intentionality. Here’s how you can stay faithful in managing your money according to biblical principles.Before making financial decisions, seek God’s wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.” Set aside time each week to pray over your finances and seek God’s direction.Create a Spending PlanA budget is essential for financial faithfulness. Without one, it’s easy to overspend and struggle to meet obligations. If you don’t have a budget, download the free FaithFi app, which provides step-by-step guidance for setting up a plan and tracking expenses.If your income isn’t covering expenses, you have two choices: cut spending or increase income. Trimming expenses is often the easier option.Cut Unnecessary ExpensesStart by reviewing where you spend the most. While housing costs may be fixed, food expenses can be reduced with intentional planning:Limit dining out to once or twice a month.Meal plan and shop with a list to avoid impulse purchases.Consider online grocery shopping to stick to a budget and avoid overspending.Beyond food, look for other savings opportunities:Cancel unused streaming subscriptions.Form a babysitting pool with other parents.Seek out free local activities for entertainment.Build an Emergency FundFinancial stability requires preparation. Start by setting aside $1,500 for unexpected expenses like car repairs or medical bills. Gradually work toward saving three to six months’ worth of living expenses. The peace of mind an emergency fund provides is worth the effort.Tackle Debt StrategicallyIf you’re burdened by debt, follow Proverbs 22:7, which warns, “…the borrower is slave to the lender.” Develop a plan to pay off consumer debt using the snowball method:Pay minimums on all debts.Focus extra payments on the smallest balance.Once that debt is paid, roll payments into the next smallest.Repeat until you’re debt-free.If you’re struggling to make minimum payments, consider a debt management plan through Christian Credit Counselors, who can help reduce interest rates and speed up repayment.Save for the FutureOnce consumer debt is eliminated, shift your focus to retirement savings. Aim to invest 10-15% of your income in a tax-advantaged account like an IRA or 401(k). If your employer offers matching contributions, take advantage of this free money as soon as possible.Practice GenerosityGiving is at the heart of financial faithfulness. Commit to tithing regularly to your local church and seek opportunities to bless others through sacrificial giving. As Jesus said in Acts 20:35, “It is more blessed to give than to receive.”By following these principles—prayer, budgeting, saving, eliminating debt, and giving—you can remain faithful in managing the resources God has entrusted to you.On Today’s Program, Rob Answers Listener Questions:My wife is retired. I am 59, and I want to retire next year. So our house is paid off. Vehicles, we have some rented houses. They're almost paid off. When should we take or try to take our Social Security?I'm 50 years old, self-employed, and max out my Roth IRA yearly. I have a question about Social Security—do you expect it to still be around in the next 20 years, or should someone like me be concerned about its future?I have a universal life insurance policy worth about $10,500, and my premiums were recently updated to $50 per month until 2031. However, I don’t necessarily need the policy since I’ve donated my body to a hospital, which means I won’t have funeral expenses. Therefore, I’m considering surrendering the policy, depositing the cash value into a bank account, and redirecting the $50 monthly premium into savings instead of continuing the policy. Is this a wise financial decision?My son has about $10,000 in credit card debt. He called the Christian Credit Counselors, who could help him. But he's also $30,000 in debt to payday cash loans, which charge him 300% interest. Unfortunately, they have said that they can’t help him with those. Is there any avenue through which he can get help with payday loans?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Healthcare Ministries (CHM)Consumer Financial Protection BureauChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in t

A.W. Tozer once wrote in The Knowledge of the Holy, “What comes into our minds when we think about God is the most important thing about us.” Our understanding of God influences everything—including how we handle what He has entrusted to us.In the Parable of the Talents (Matthew 25:14-30), Jesus tells a story that reveals how our perception of God directly affects our stewardship. Three servants are given different amounts of money while their master is away. Two invest what they receive and are rewarded for their faithfulness. The third, however, buries his portion out of fear. His failure wasn’t just financial—it was a failure of understanding his master’s character.A Misunderstanding That Led to FearAt first glance, the punishment of the third servant might seem extreme. After all, he didn’t lose the money—he simply didn’t invest it. But Jesus’ parable isn’t just about financial stewardship; it’s about how we see God.The third servant viewed his master as “a hard man” (Matthew 25:24), someone to be feared rather than trusted. His words reveal the issue of his heart:“Master, I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your gold in the ground.” - Matthew 25:24-25His fear of failure led him to inaction. Instead of seeing an opportunity, he saw a trap. Instead of seeing generosity, he saw harshness. And because of that, he did nothing.This is the danger of a wrong view of God. When we perceive Him as an unrelenting taskmaster, we shrink back—afraid to fail, hesitant to step out, reluctant to engage with what He has given us. We bury our talents—whether our time, resources, or gifts—assuming He is more interested in punishment than partnership. But Scripture reminds us:“There is no fear in love. But perfect love drives out fear, because fear has to do with punishment.” - 1 John 4:18Faith and Trust Lead to FruitfulnessIn contrast, the first two servants acted in faith. They saw their master as someone worth serving, embracing their responsibility with joy. They took risks, multiplied what they had been given, and were met with their master’s praise:“Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” - Matthew 25:21The master’s reward wasn’t just about productivity—it was an invitation into deeper joy. Their faithfulness wasn’t about money; it was about trust. They trusted their master’s goodness and acted boldly.Many struggle with obedience because they see it as a burden rather than an opportunity. But the faithful servants understood something key: what they had been given actually belonged to their master, and stewarding it well was a privilege.Jesus invites us to partner with Him in His work, not because He needs us, but because He delights in working through us. Paul describes this beautifully:“For we are co-workers in God’s service; you are God’s field, God’s building.” - 1 Corinthians 3:9We are not slaves cowering under a harsh master—we are co-laborers in His kingdom. When we understand this, our perspective on obedience changes. Giving, serving, and using our gifts for His glory are no longer seen as obligations but as privileges.Living as Faithful StewardsThe real tragedy of the third servant is that he never truly knew his master. His false perception led to his inaction, and his master’s response is sobering:“Throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.” - Matthew 25:30This warning isn’t just about stewardship—it’s about our hearts. If we live in fear and refuse to trust God, we will miss out on the joy of His kingdom. In fact, I would venture to say that when some meet Jesus, they may not hear, “I never knew you,” but rather, “You never knew Me.”But if we truly know Him, we will step forward in faith, eager to invest our lives in His work.God invites us to see Him as He truly is—loving, generous, and trustworthy. When we do, we won’t shrink back in fear—we will step forward in faith. Like the faithful servants in the parable, we will hear His words of joy:“Well done, good and faithful servant.”Let’s live as stewards who know our Master—trusting in His goodness and investing in His kingdom with boldness and joy.On Today’s Program, Rob Answers Listener Questions:My daughter has $20,000 in credit card debt across five cards. With her husband incarcerated, she's struggling to make the $800 monthly minimum payments. I'm looking for a way to help her consolidate the debt and get a lower interest rate so she can start paying it down.We've been offered a good price to sell our 14-year-old business, but I'm concerned about the capital gains taxes we'll owe. Besides investing in our IRAs, are there any other strategies we can use to reduce the taxes we'll have to pay on the sale?Resources Mentioned:Faithful Steward: FaithFi’s New

Martin Luther once said, “There is no more lovely, friendly, and charming relationship, communion, or company than a good marriage.”A strong marriage is a blessing but requires intentional effort, especially in a blended family. Today, Ron Deal and Greg Pettys join the show to discuss a valuable resource for second marriages.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Greg Pettys, CLU, ChFC, CFP, has thirty-four years of specialized experience in securities and life insurance sales and services. He is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family.Understanding the Financial Challenges of Blended FamiliesWhen two people enter a marriage with previous financial histories, children, and life experiences, their financial situation becomes more complex than that of a first-time marriage. They may bring:Separate bank accounts and investmentsExisting debts and financial obligationsDifferent parenting and financial philosophiesThe need to provide for children from previous relationshipsConcerns over inheritance and estate planningMerging finances in a blended family isn’t just about money—it’s about trust, provision, and love. Without clear communication and planning, financial disagreements can create tension, causing stress in the relationship.What Is a Togetherness Agreement?A Togetherness Agreement is a structured approach for blended couples to clarify their financial decisions, ensuring transparency and unity. More than just a financial plan, it is a tool for fostering trust and eliminating fear. It’s not just about bank accounts and investments—it’s about love, respect, and providing well for one another. It brings clarity to emotionally charged financial topics, ensuring that both partners are aligned in their vision for the future.Why Is a Togetherness Agreement Important?1. It Provides Financial TransparencyMany couples enter marriage with financial baggage—whether it's debt, differing views on money management, or past experiences that have led to distrust. A Togetherness Agreement creates a safe space for full financial disclosure.2. It Helps Prevent Conflict Over MoneyMoney is one of the top stressors in any marriage, but in blended families, the stakes are even higher. The agreement ensures both spouses are on the same page regarding financial expectations and responsibilities.3. It Protects Children and Future GenerationsWithout a clear plan, assets and inheritance can unintentionally drift away from children from previous marriages. The agreement helps ensure that financial resources are distributed according to the couple’s wishes, not just default legal systems.4. It Strengthens Marital Trust and UnityA Togetherness Agreement fosters open communication, allowing couples to plan their future confidently rather than fearfully. It shifts financial discussions from potential sources of conflict to proactive, loving conversations.What Should a Togetherness Agreement Include?A Togetherness Agreement can be as formal or informal as a couple chooses. While some opt for a legally binding contract, even a simple written plan can be valuable. Key components may include:Bank Account Structure—Should finances be merged, kept separate, or a combination of both?Debt and Credit Considerations—How will existing debts be managed, and how will future credit decisions be made?Business Ownership—If one spouse owns a business, what will happen to it in the event of death or divorce?Financial Responsibilities—Who is responsible for household expenses, savings, and long-term care for aging parents?Inheritance and Estate Planning—How will assets be distributed to biological and stepchildren?Contingency Plans—What provisions are in place for special needs children, elderly parents, or unexpected life changes?When Should Couples Create a Togetherness Agreement?Ideally, discussions about financial planning should begin before marriage. However, it's never too late to start if you’re already married and haven’t had these conversations.If you’re dating, start the conversation now. If you’re already married, don’t wait—begin today. The Smart Step Family Guide to Financial Planning provides a step-by-step guide to help you navigate these important discussions.A Togetherness Agreement is an essential tool for blended families to navigate finances with wisdom, clarity, and love. By fostering open communication and financial unity, couples can build a secure foundation for their marriage and their future.If you're in a blended family, consider creating your own Togetherness Agreement today—it might be the most valuable financial decision you ever make.For more insights, pick up a copy of The Smart Step

"Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven… “ - Matthew 6:19-20Would you like to rethink your approach to money? Six powerful principles can shift your focus from the temporal to the eternal…and best-selling author Randy Alcorn is here to talk you through them.Randy Alcorn is the founder and director of Eternal Perspective Ministries (EPM) and the New York Times Bestselling author of more than 60 books, including Heaven, Money, Possessions, and Eternity, The Treasure Principle, and Giving Is the Good Life. His books have been translated into over seventy languages and have sold over ten million copies.The Foundation: God Owns EverythingWhen we take our cues from the world, it’s easy to develop a flawed perspective on money. But Romans 12:2 calls us to be transformed by the renewing of our minds. That transformation begins with the first principle:God owns everything, and I am His money manager.This truth alone can radically change how we view our finances. If everything belongs to God, then we are simply stewards of His resources. Just like a financial manager oversees someone else’s wealth, we must ask God what He wants us to do with what He has entrusted to us. Thankfully, He has provided clear guidance in His Word.Imagine borrowing a pencil from someone and then breaking it in half. If the pencil belonged to you, that wouldn’t be a big deal. But if it belonged to someone else, breaking it without permission would be wrong. The same is true with money—when we recognize that all we have belongs to God, it changes how we use it.Our Hearts Follow Our MoneyThe second principle in The Treasure Principle is equally profound:Our heart always goes where we put God’s money.This truth comes directly from Matthew 6:21: “For where your treasure is, there your heart will be also.” Many people believe that their giving will naturally follow their heart’s desires. But Jesus turns that idea upside down: If we want to cultivate a heart for God’s kingdom, we need to start by investing in it.Want to develop a deeper love for missions? Start giving to missionaries. Want to care more about your church? Invest financially in its ministry. Our hearts follow our treasure.Cultivating an Eternal PerspectiveAnother key principle is:Heaven (On Earth) is our home.Hebrews 11:16 tells us that believers are “citizens of a better country, a heavenly one.” Recognizing that this version of the world is not our final destination changes how we use our money. Instead of accumulating wealth here, Jesus calls us to store up treasures in heaven (Matthew 6:20).But what does that mean? It doesn’t mean stockpiling gold and silver in some celestial bank. Instead, our eternal treasures come from investing in God’s work—supporting ministries, spreading the gospel, and using our resources to help those in need. The money we use today to advance God’s kingdom will have eternal significance.Faithful stewardship isn’t about earning salvation—it’s about responding to God’s generosity by using our resources wisely and storing up treasures that will last for eternity.Prosperity with a PurposeFinally, The Treasure Principle reminds us that:God prospers us not to raise our standard of living but to raise our standard of giving.It’s easy to assume that when God blesses us financially, it’s simply for our own benefit. But Scripture calls us to a different mindset. Like a delivery driver who is entrusted with a package to deliver—not to keep—God blesses us so that we can bless others.This doesn’t mean we can’t enjoy God’s blessings, but it does mean that we should view our financial increase as an opportunity to be more generous, not just to accumulate more for ourselves.At the heart of The Treasure Principle is a simple but profound challenge: to see God as our ultimate treasure and money as a tool for His purposes. When we grasp this, it changes everything—how we spend, save, and give.If you haven’t read The Treasure Principle, we highly encourage you to pick up a copy. It’s a quick read but has the power to reshape your financial perspective for eternity.Faithful Steward: FaithFi’s New Quarterly MagazineRandy’s full article, Understanding the Treasure Principle, is featured in the first issue of Faithful Steward, FaithFi’s new quarterly magazine. To receive this issue of the magazine and an issue every quarter, become a monthly partner at $35 a month or $400 a year by going to FaithFi.com/Give. Let’s be faithful stewards together, investing in what truly lasts.On Today’s Program, Rob Answers Listener Questions:I have a friend who's married to an unbeliever, and her spouse sees no value in money beyond spending it. Do you have any advice for how she can make a budget and share it with her spouse so that his eyes might be open to the importance of financial stewardship?Should we tithe on money that we receive from an insurance payout?I have a 4

“Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’ You shall remember the Lord your God, for it is he who gives you power to get wealth…” - Deuteronomy 8:17-18This passage powerfully reminds us that God owns everything, and we are merely stewards of what He has entrusted to us for a season. Today, Cody Hobelman joins us to discuss how you can establish your first financial finish line.Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and is the Chief Business Development Officer at Turning Point Financial. He and his brother Kealan founded the Finish Line Pledge and cohost the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.The Challenge of ProsperityProsperity presents a significant challenge—perhaps more so than hardship. While we live in one of the most prosperous nations in history, this struggle with abundance is not unique to our time.The book of Deuteronomy mentions how the Israelites stood on the edge of the Promised Land after 40 years in the desert. Moses knew that once they entered the land flowing with milk and honey, they would face a new kind of test—not hunger, disease, or war, but the temptation to rely on their own strength rather than God’s provision.Just as the Israelites needed a reminder that all wealth belongs to God, we, too, need to set guardrails against the deceptive power of wealth. One of the most effective tools for doing this is the concept of a financial finish line.Five Approaches to GivingBefore diving into how to set a financial finish line, here are five major approaches to giving:Spontaneous Giving—Giving as needs arise, without much planning.A Giving Goal—Setting a target amount to give annually.Percentage Giving—Committing to give a fixed percentage of income.Incremental Percentage Giving—Increasing the percentage of giving over time.A Financial Finish Line—Setting a cap on personal spending, allowing everything beyond that to be given away.The first four methods focus on how much to give, while the financial finish line flips the paradigm. Instead, it asks, “How much do I truly need?” and commits to giving away the excess.Breaking Down the Financial Finish LineSo, how do you actually set a financial finish line? Financial stewardship can be broken down into four key categories:Personal Spending—Lifestyle expenses (housing, food, transportation, etc.).Taxes—The portion owed to the government.Future Planning—Savings for upcoming expenses, investments, and retirement.Kingdom Building—Everything given to ministry, charity, and impact projects.Since lifestyle spending is the primary determinant of financial behavior, the crucial first step is to cap personal spending.Three Methods to Set a Finish LineHere are three practical approaches to setting your first financial finish line:Maintenance Spending Finish Line—Freezing your current lifestyle spending at a set amount, preventing lifestyle creep as income rises. Benchmark Spending Finish Line—Using census data or external benchmarks to determine a reasonable spending cap based on objective measures. The Finish Line Pledge website offers a calculator to help with this (finishlinepledge.com/calculator). Prioritization Spending Finish Line—Evaluating where your money currently goes, eliminating non-essential expenses, and focusing only on what aligns with God’s priorities for your life.Whichever method you choose, the goal is the same: determine what is “enough” and dedicate the rest to Kingdom impact. This concept is not just for the wealthy. Defining ‘enough’ changes everything; if you never define it, you’ll never reach it.Testing your financial finish line for three to six months. Many who do find it transformative—not just financially, but spiritually. It shifts the mindset from ownership to stewardship, freeing us to see money as a tool for God’s Kingdom rather than a source of security.Next Steps: Where to BeginTo get started:Visit finishlinepledge.com and explore the calculator.Set a trial finish line for 3–6 months.Adjust over time as you refine what “enough” looks like in your life.Discuss this approach with a Kingdom-minded financial advisor, especially a Certified Kingdom Advisor (CKA), who can help integrate this principle into a broader financial plan.Setting a financial finish line is a process, not a one-time decision. It’s a faith journey that requires intentionality, wisdom, and a willingness to surrender financial control to God.If you’re ready to take the next step, check out finishlinepledge.com and consider taking the pledge. It may just transform your relationship with money—and with God.Faithful Steward: FaithFi’s New Quarterly MagazineIf you’d like to explore this idea further, you can read Cody’s full article, “Setting Your First Finish Line,” in the latest edition of Faithful Steward.You can receive this quarterly magazine and help equip believers with bib

Many people consider frugality to be a Christian virtue—but is it, really?We often equate frugality with good financial stewardship, but they’re not exactly the same thing. While frugality can be a wise practice, it doesn’t necessarily lead to true peace or biblical financial wisdom. Let’s explore the key differences and signs that frugality might be going too far.What Is Frugality?Frugality is about being careful with resources—spending less than you earn, saving money, and making economical choices. If you or someone in your household is a conscientious penny-pincher, you likely embrace frugality as a lifestyle.Frugality certainly has virtues, such as self-control and patience. Benjamin Franklin’s well-known phrase, “A penny saved is a penny earned,” supports the idea that being financially cautious is a wise practice.At Faith and Finance, we encourage people to:Save for the futurePay down debtsAvoid overspendingHowever, biblical financial stewardship is much bigger than frugality.The Biblical Perspective on StewardshipFrugality alone does not guarantee peace—because, from a biblical perspective, we aren’t the owners of our money or possessions. God is.Psalm 24:1 reminds us:“The earth is the Lord’s, and everything in it.”Recognizing Christ’s Lordship over our finances shifts the focus from simply cutting costs to honoring God with our resources.Jesus teaches in Matthew 6:19-21:“Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven… for where your treasure is, there will your heart be also.”Frugality can help you save money on earth, but eternal rewards come from a different approach—surrendering your finances to God and using them for His purposes.Frugality is a tool, but it must be used in a way that aligns with faithful stewardship. If pursued for its own sake, it can lead to selfishness, greed, and even pride.Signs That Frugality Has Gone Too FarHow do you know when frugality has shifted from wise stewardship to financial foolishness? Here are a few red flags:1. You Spend Hours Each Week Just to Save a Few DollarsDo you spend excessive time clipping coupons, hunting for deals, or driving across town to save a few cents on gas? If frugality has become an obsession, it may be time to reassess how you're using your time.2. You Go Without Essentials Just to Save MoneyAre you skipping necessary expenses—like a bed to sleep on—just because you don’t want to spend money? Being wise with money doesn’t mean depriving yourself of basic needs.3. You Hoard Items Just Because They’re a “Good Deal”Stocking up on necessities is fine, but filling your home with excess items (like a closet overflowing with toothpaste) may indicate a deeper issue—a lack of trust in God’s provision.4. You Compromise Safety for the Sake of Saving MoneyEating expired food, skipping necessary medications, or refusing to fix important home repairs just to save a few dollars can be dangerous. Stewardship includes caring for yourself and your family, not just minimizing costs.5. Frugality Feels Like a Competition or an ObligationDo you stress out over every dollar spent? If spending any money at all causes anxiety, you may be placing too much faith in frugality rather than trusting God to provide.6. You Struggle to Be GenerousIf penny-pinching kills your generosity, that’s a warning sign. Hebrews 13:16 reminds us:“Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God.”True peace comes not from saving every penny but from trusting in God’s provision and using money for His glory.Finding the Right BalanceEvery financial habit stems from an underlying mindset. In many cases, extreme frugality results from a lack of balance.Here’s how to restore a healthy perspective on money:Use your time wisely—Clipping coupons is fine, but not if it consumes hours each week.Prioritize health and well-being—A healthy family is more valuable than a few extra dollars saved.Give generously—God calls us to share, not hoard.Trust God’s provision—Money is a tool, not an idol.As Jesus teaches in Matthew 6:33:“Seek first God’s kingdom and His righteousness, and all these things will be added to you.”When you put God first, true peace isn’t found in penny-pinching but in faithful stewardship and reliance on Him.The Greater Purpose of StewardshipStewardship isn’t just about spending wisely—it’s about using God’s resources for His purposes. Our finances should reflect His kingdom priorities, not just our desire to save money.Ultimately, financial stewardship isn’t about how much we save—it’s about trusting God, managing resources wisely, and giving generously to advance His Kingdom. If your frugality has become a burden, it’s time to release it to God and find true peace in His provision.On Today’s Program, Rob Answers Listener Questions:I'm trying to open a Roth IRA but getting stuck on questions about adding margin, options

“As iron sharpens iron, so one person sharpens another.” – Proverbs 27:17Despite living in an era of unprecedented wealth, many individuals and families struggle to meet basic needs like food and shelter. Today, Brian Holtz joins us to discuss a new resource aimed at helping communities in need. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A New Focus: Addressing Financial HardshipNavigating financial challenges can be overwhelming, especially for those who struggle to make ends meet. While many financial ministries focus on middle- and upper-income groups, Compass Financial Ministry has taken a bold step to address the needs of those with little to no financial margin. Their latest initiative—Making Ends Meet—is a resource designed to help individuals and families move from financial struggle to stability.Key Takeaways from the ResearchMany of the financial issues we associate with low-income communities aren’t unique to them. The same challenges exist in middle- and upper-income households—they just look different.What are these key financial challenges? Three primary takeaways from Compass’ research are critical for financial health, regardless of income level.1. A Simpler Approach to BudgetingStarting a budget is often the most challenging part of managing finances. That’s why this new resource introduces a simplified spending plan:Step 1: At the beginning of the month, pay all essential bills (giving, rent/mortgage, food, utilities, etc.).Step 2: Transfer savings into a separate account.Step 3: Use the remaining money for non-essentials (entertainment, clothing, eating out, etc.).This method isn’t as precise as traditional budgeting, but it’s better to use an imperfect system than a perfect one that you never implement.2. The Power of an Emergency FundWe all know the importance of emergency savings, but it's even more crucial for those living paycheck to paycheck.Without an emergency fund, individuals often get trapped in a cycle of debt. But with a financial cushion, they can make wise financial choices and avoid unnecessary expenses.3. The Importance of a Support NetworkBuilding a strong financial support system is a crucial yet often overlooked aspect of financial stability, in addition to budgeting and saving.Money is a taboo topic in our society. We’re embarrassed to talk about our struggles, but if we find trusted people to share with before emergencies happen, we create a network we can rely on—and they can rely on us. This network isn’t just for financial help—it also provides emotional support, advice, and practical assistance when life’s unexpected events occur.How You Can Get InvolvedFinancial hardship can feel isolating, but no one has to face it alone. With the right tools, support system, and biblical principles, it is possible to break free from financial struggle and find peace in stewardship.Making Ends Meet is one of the most impactful projects Compass has ever developed. It combines biblical wisdom with practical, step-by-step guidance, helping people transition from struggling to thriving. This resource is perfect for:Small groups at churchesLocal shelters and community centersFamilies and individuals seeking financial stabilityIt’s available in English and Spanish, making it accessible to more communities in need. To learn more, visit Compass Financial Ministry and click on Making Ends Meet.For more financial resources and biblical insights, check out Compass Financial Ministry’s website and start your journey toward financial freedom today.On Today’s Program, Rob Answers Listener Questions:I got behind on some of my bills, and the interest is hurting me. I make about $700 a week, but the high interest rates make it hard to catch up. I contacted a company called National Debt Relief, but I wanted to get a second opinion before jumping into anything. How can I deal with this situation and find a way to lower the interest rates?We inherited land and plan to keep it in the family. Do we need to tithe on the value of the inherited property, even though we haven't realized the increase in cash?I'm 24 and deciding whether to buy a home instead of renting an apartment. I live at my parents' house, but I'd like to know the best steps to take to buy a home.Last year, the FBI warned against using a cell phone number for two-factor authentication because of security vulnerabilities. I ended up losing $5,000 using that method. Can you provide some guidance on how to protect my accounts better?I'm in my 60s and recently got a job that pays over $200,000 a year, much more than I need to live on. I only need about $30,000 to $40,000 per year. I'm unfamiliar with 401(k)s or IRAs, but I want to know how much I could contribute to those types of accounts to put away the excess money I don't need.I contributed $4,000 to my Roth IRA at the beginning of the year. I'm leaving my part-time job and about

They’re not listed on stock exchanges, yet private market investing opportunities are becoming increasingly popular.So, just what are private markets? Why would you want to consider making them a part of your portfolio? And how would you go about it? Cole Pearson is here today to break it all down for us.Cole Pearson is the President of Investment Solutions at OneAscent, a family of companies seeking to help people align their investments with their Christian values. OneAscent is also an underwriter of Faith & Finance. What Is Private Market Investing?Private market investing involves putting capital into companies that are privately held rather than those listed on public stock exchanges. Unlike investing in publicly traded firms, private market investments focus on businesses that are in earlier stages of development.You might think of the local hardware store or a manufacturing plant in your area—these are privately held businesses. Private market investing tends to focus on rapidly growing for-profit businesses that can serve as powerful economic engines while also having the potential for positive impact.Investors often hear terms like private equity, venture capital, and private credit when discussing private markets. These investments provide opportunities to support growing businesses while diversifying a portfolio beyond publicly traded stocks.Public vs. Private Markets: Which Is Safer?One common concern is that private markets may be riskier than public investments. Public markets are typically considered safer because of regulatory oversight and greater liquidity. However, all investments involve risk—whether public or private.Private markets offer unique advantages that can complement a traditional portfolio. While they may be less accessible and require a longer-term outlook, they also provide exposure to businesses at earlier stages of growth, offering potential for higher returns.Historically, private markets have been dominated by institutional investors and ultra-high-net-worth individuals. Institutions tend to allocate five times more to private markets than the average retail investor.This is largely due to the potential for higher returns, market inefficiencies, and diversification benefits. In the U.S., there are approximately 4,000 publicly traded companies with over $10 million in revenue—but in the private markets, there are 182,000 companies above that threshold. That means there’s a much larger opportunity set available for investment.The Advantages of Private Market InvestingPrivate market investments offer several key benefits:1. Higher Growth PotentialMany public companies started as private, venture-backed firms. Today, these once-private companies make up nearly 77% of market capitalization and contribute 92% of research and development spending. Private investing allows access to these high-growth firms before they go public.2. DiversificationPrivate investments are less correlated to the stock market, helping investors diversify their portfolios. Their value isn’t directly impacted by daily market fluctuations, reducing exposure to broader economic downturns.3. Direct Positive ImpactUnlike public market investing, where shares are traded between investors, private market investments directly fund businesses. This allows investors to have a greater say in how companies operate and ensure that their investments align with biblical values.One of the most compelling reasons to consider private market investing is the opportunity for faith-based impact. Rapidly growing, for-profit businesses are one of the most powerful engines God has given us to create positive change in the marketplace.Through private investing, believers can support businesses that align with their values—whether that’s ethical business practices, advancing healthcare, or improving infrastructure. Imagine if the leadership of today’s major corporations were faith-driven. By investing in private markets, Christian investors can directly support businesses that promote Kingdom values.Making Private Markets Accessible to Everyday InvestorsOne of the biggest barriers to private investing has been accessibility. Traditionally, high minimum investments and complex paperwork restricted this opportunity to institutional investors. However, interval funds—a relatively new financial vehicle—are changing that.Interval funds function similarly to mutual funds but invest in private equity. They allow for periodic liquidity, making it easier for everyday investors to access private markets with a lower minimum investment.OneAscent recently launched the OneAscent Capital Opportunities Fund (OACOX), a private market interval fund designed for values-based investors. This fund has no accreditation requirements and a minimum investment of just $5,000—making private markets more accessible than ever.How to Get Started with Private Market InvestingIf you’re working with a financial advisor but have never discussed aligning your

You might be surprised to learn that most Americans are satisfied with their healthcare insurance. But the rest are more than a little dissatisfied.A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons. If you’re in this group, you don’t want to miss today’s show. Lauren Gajdek joins us with details about an efficient, affordable alternative to health insurance.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why Are People Frustrated with Traditional Health Insurance?Healthcare is a significant concern for many families, especially as costs continue to rise. Christian Healthcare Ministries (CHM) offers an alternative rooted in faith and community support for those who feel frustrated with traditional health insurance. Some of the most common frustrations they see are:Complicated Policies—Many insurance plans have intricate rules and coverage limitations, making it difficult to understand what is actually covered. Lack of Pricing Transparency—Patients often have no idea what they are being charged for healthcare services, which leads to higher costs that insurance companies pass along to policyholders. High Deductibles—It's not uncommon to see deductibles of $5,000, $10,000, or even $15,000, leaving families struggling to afford necessary care.At CHM, transparency is a priority. Members clearly understand what will be shared, making healthcare costs more predictable and manageable.A recent Kaiser Family Foundation survey found that most Americans rate their health insurance as "good" or even "excellent." However, people generally seem to be pretty happy with their insurance—if they haven’t had to use it. Many individuals benefit from government subsidies or employer-sponsored plans, but satisfaction drops significantly when it comes time to submit claims and navigate the system. The more people engage with their insurance provider, the more dissatisfied they tend to become.How Does Medical Cost Sharing Work?CHM stands apart as an alternative to health insurance. Since their founding in 1981, they have shared nearly $12 billion in medical bills for its members. People are looking for something that aligns with their faith and upholds their values, and that’s where CHM steps in.With over 40 years of experience, CHM provides a trusted solution for Christians who want a healthcare option that reflects their beliefs.Unlike traditional insurance, CHM is a healthcare cost-sharing ministry. Members are considered self-pay, meaning they pay medical providers directly, but CHM shares 100% of qualifying medical bills based on established guidelines.Key features of CHM include:Flexible Program Options—Monthly contributions range from $98 to $255 per person, allowing families to tailor their plans to their needs and budget. No Network Restrictions—Members can choose their own providers and are not limited to specific hospitals or doctors. Community of Support—Members help bear one another’s burdens, fulfilling a biblical model of care and stewardship.While the concept may initially seem unfamiliar, CHM’s long track record of faithfulness and financial stewardship reassures members that their medical needs will be met.A Faith-Based Healthcare AlternativeFor many believers, CHM has proven to be a perfect fit, providing financial relief and peace of mind. To learn more about how medical cost-sharing could benefit your family, visit chministries.org/faith.If you’ve felt burdened by the complexities of traditional insurance, CHM may be the blessing you’ve been looking for.On Today’s Program, Rob Answers Listener Questions:I'm trying to find out if there is anything available, like a lower-interest loan, to help me pay off my credit card debt. I have about $45,000 in debt, and I'm okay with paying it down, but I'd like to find a lower interest rate than the 14% I'm currently paying.My husband and I are both 77 years old, and I'm totally blind and he has several health problems. We'd like to set up an irrevocable trust to avoid probate when one of us passes away, but we don't have a lot of money. I'm not sure how to go about getting an elder law attorney to help us with this.I'm wondering if I should consider purchasing a long-term care insurance policy. I'm 77 years old, and I know that the majority of Americans over 65 will need some form of long-term care, which can be very expensive. I'm trying to figure out if getting a long-term care policy makes sense for my situation.I'm retiring soon and have a lump sum of money from my company's retirement plan. I don't want to take the lump sum and have 20% withheld in taxes. Instead, I'd like to roll the money over into a CD or similar safe investment where it can grow, but my company doesn't allow that. I'm not comfortable investing in stocks, so I'm looking for a way to keep the money safe and growing.Resources Mentioned:

Paying off debt is always a smart financial move—but eliminating it before retirement is one of the best decisions you can make. With more people than ever retiring with debt, financial security in retirement is at risk. Let’s explore why carrying debt into retirement can be problematic and what you can do to avoid it.The latest statistics reveal a concerning trend. According to the Federal Reserve's 2022 Survey of Consumer Finances, 65% of individuals aged 65 to 74 carry debt—a significant increase from 50% when the Fed began tracking this data 35 years ago.Debt in retirement severely limits lifestyle choices and, for many, leads to an unwelcome necessity: returning to work. A study by T. Rowe Price found that 20% of retirees have gone back to work full-time or part-time, and another 7% are actively looking for jobs. The primary reason? They need more income.Inflation has only worsened the situation. Prices today are around 15% higher than they were three years ago, catching many retirees off guard and stretching already tight budgets—especially those burdened with debt.As Proverbs 22:7 warns, “The rich rule over the poor, and the borrower is the slave of the lender.” To avoid financial hardship in retirement, it’s critical to develop a strategy now to eliminate debt.How to Eliminate Debt Before RetirementIf you’re 5, 10, or even 15 years away from retirement, now is the time to set a goal of becoming debt-free. A debt-free retirement provides the financial margin necessary to weather economic downturns, stock market fluctuations, and rising costs of living. Here are practical steps to achieve that goal:1. Reduce Your ExpensesA budget overhaul can reveal unnecessary expenses you’re paying out of habit. Cut subscriptions, eat out less, and find ways to live within your means.2. Increase Your IncomeConsider taking on a side job, selling unused assets, or even delaying retirement by a few years to maximize savings and accelerate debt repayment.3. Downsize Your HomeOne of the most impactful moves is downsizing. If you still have a mortgage, selling your current home and purchasing a smaller one with cash (or a significantly reduced mortgage) can dramatically lower your monthly expenses. Additionally, a smaller home means lower property taxes, utility bills, and maintenance costs.4. Pay Down Your Mortgage FasterIf downsizing isn’t an option, commit to making extra mortgage payments. Even one additional payment per year can shave off several years from your loan and save thousands in interest.Addressing Consumer DebtCredit card debt is another major obstacle in retirement. High-interest rates, which often increase with inflation, make carrying a balance extremely costly. Here’s how to tackle it:Use the Snowball Method: Pay off the smallest balance first, then roll that payment into the next debt. This approach provides quick wins and motivation to continue. Avoid Using Home Equity: Converting unsecured credit card debt into a home equity loan puts your house at risk if you can’t make payments. Seek Help If Needed: If you have more than $4,000 in credit card debt, consider working with Christian Credit Counselors. They offer debt management plans that can help you become debt-free 80% faster.One thing we’ve never heard at FaithFi? A person calling in to say they regretted paying off their debt. Eliminating debt before retirement ensures financial security and provides more time and resources to serve God’s Kingdom.So, make a plan today. Your future self—and your financial journey—will thank you.On Today’s Program, Rob Answers Listener Questions:Do I still have to keep filing married filing joint even though my husband left me about three and a half years ago and we do not live together?I inherited a traditional IRA from my mother when she passed away in 2017, and I'm not sure whether I need to disperse it in 10 years or if I can continue taking required minimum distributions (RMDs) over my lifetime.I don't have a 401(k), but I own a property that I could sell for $250,000 to $350,000. I'm not sure what to do with the money from the sale to help me prepare for retirement, since I'm still working full-time at 61 and don't plan to retire soon.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for

In Matthew 6:21, Jesus says, “For where your treasure is, there your heart will be also.” That teaching is true for everyone, and yet men and women have different perspectives on money. So how do wise women manage the resources God entrusts to them? Miriam Neff is here to talk about that today.Miriam Neff is the founder of Widow Connection, the author of 11 books, a counselor, a Bible teacher, and a speaker. She supports widows through sewing and bakery projects and is the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with her daughter. Her radio features New Beginnings and Starting Over Financially air nationwide.Managing money wisely is a critical skill, and for many women, the responsibility of financial stewardship comes unexpectedly. Whether due to widowhood, divorce, or simply taking on a more active role in household finances, women today oversee 51% of the wealth in the United States, a figure that continues to grow.However, with the right mindset and practical steps, women can confidently manage those resources. Here are eight key habits that wise women adopt to steward their finances well.1. Acknowledge That All We Have Belongs to GodThe foundation of wise money management begins with recognizing that everything we have is a gift from God. Whether it's a paycheck, a home, or an investment portfolio, God has entrusted our financial resources to us for stewardship.Some may think of their 401(k) or IRA as ‘theirs,’ but biblically speaking, all of our resources—income, spending habits, even our possessions—belong to God. This means we must steward everything wisely, from the big decisions to the small ones.2. Take Responsibility for Knowing Your FinancesMany women suddenly find themselves responsible for managing their finances after years of leaving it to a spouse or financial professional. Miriam emphasizes that understanding one's financial situation is crucial, whether through spreadsheets, budgeting apps, or simple pen and paper.We cannot make excuses, such as “My parents never taught me this” or “My teenagers demand too much.” We are accountable to God for how we manage our resources.Taking responsibility also means seeking help. Resources like Widow Connection, Faith & Finance, and local church financial ministries provide guidance and support.3. Create a Spending Plan Based on Income and ValuesThe world encourages spending beyond our means—bigger houses, new cars, and credit card debt. However, wise financial management requires a spending plan that aligns with both our income and values.Cultural messages tell us to spend first and hope our income will catch up. Biblically, we must prioritize contentment and stewardship. A budget is a tool to help us live within our means and honor God.A values-based spending plan includes giving to God first, meeting needs before wants, and saving wisely.4. Recognize That Every Spending Decision Is a Spiritual DecisionLarry Burkett famously said, “Every spending decision is a spiritual decision.” Where we allocate our money reflects our priorities and our hearts.What do you check first thing in the morning—your bank account or social media? If we want to understand our hearts, we should examine our calendars and bank statements. They reveal our true priorities.If our spending habits don’t align with our faith, it’s time to make changes, even if they start small.5. Eliminate Excuses and Avoid Emotional SpendingExcuses can be a major roadblock to financial wisdom. Many justify poor financial decisions with statements like:“My spouse is a big spender.”“My children need expensive gadgets to fit in.”“I was feeling down, so I indulged in some ‘retail therapy.’”Fear and emotions should not drive our financial decisions. The Bible warns about fear-based financial mistakes, as seen in the parable of the servant who buried his talent instead of investing it (Matthew 25).Owning our financial decisions, rather than blaming circumstances or emotions, is key to stewardship.6. Take Personal Responsibility for Financial ActionsFinancial wisdom requires discipline and self-control. Some common financial missteps include:Overindulging children to compensate for a difficult divorce or personal guilt.Hoarding money to fill an emotional void rather than stewarding it wisely.Making impulsive purchases out of fear rather than planning wisely.When we take a small step toward honoring God with our finances, He steps in and provides in ways we never expected.7. Regularly Review and Adjust Your Financial PlanFinancial plans aren’t static—they must evolve with life’s changes. With inflation, rising costs, and unexpected expenses, a budget from last year may no longer be effective.A core principle of financial wisdom is having three to six months of emergency savings. We can’t predict when financial challenges will come, but we can prepare for them.Adjustments may involve cutting unnecessary expenses, increasing savings, or shifting spending p

The Puritan poet Anne Bradstreet once wrote, “Wisdom without an inheritance is better than an inheritance without wisdom.” These words are just as relevant today as they were in the 17th century, especially as we approach one of the largest wealth transfers in history.It’s estimated that Baby Boomers will pass down as much as $68 trillion to their heirs by 2030. But is the next generation prepared to manage this wealth wisely? Research suggests that many are not. Let’s explore what this historic transfer means, the potential challenges, and how families can prepare.Biblical Wisdom on Wealth and InheritanceAnne Bradstreet was undoubtedly inspired by Ecclesiastes 7:11-12, which says:“Wisdom is good with an inheritance, an advantage to those who see the sun. For the protection of wisdom is like the protection of money, and the advantage of knowledge is that wisdom preserves the life of him who has it.”While passing down financial assets is important, passing down financial wisdom is even more crucial. However, research shows that many Boomers are not equipping their heirs with the knowledge needed to manage this wealth effectively.A recent study by investment giant Edward Jones found that:48% of Americans plan to leave an inheritance.50% will leave money and property to their children only.36% will pass down assets to both their children and grandchildren.While these numbers show a strong intention to pass down wealth, the study also revealed some concerning trends:Only 27% of Americans have discussed wealth transfer with their heirs.35% said they don’t plan to have that conversation at all.That means millions of Millennials and Gen Z-ers may inherit significant wealth without the financial wisdom needed to steward it well. Experts warn that it is more important than ever for families to discuss wealth transfer and seek professional guidance when necessary.Four Common Approaches to Wealth TransferAlthough this is the largest generational wealth transfer in history, not all heirs will receive as much as they might expect. One major reason for this is increasing life expectancy—Boomers are living longer and consuming more of their assets, particularly due to rising healthcare costs.The Edward Jones study identified four main ways wealth is being transferred:1. Traditional GivingThis is the most common method, where parents pass their wealth—cash, stocks, real estate, and other assets—directly to their children. However, conversations are needed to ensure both generations understand the plan. Parents should also be mindful of using enough assets to maintain their own healthy and secure lifestyle in retirement.2. Giving While LivingRather than waiting until death, some Boomers are helping their children and grandchildren now by:Paying for educationAssisting with a home purchaseCovering major expenses like vacations or medical costsWhile this can be a blessing, it also raises concerns. Some heirs may wonder if there will be anything left for them later. Early conversations about financial plans can help alleviate these concerns and ensure realistic expectations.3. Generational SkippingSome Boomers are choosing to pass wealth directly to their grandchildren instead of their children. This may be done to:Pay for educationHelp start a businessSet up an investment accountA surprising one in four respondents in the Edward Jones study believes their grandchildren will be better stewards of wealth than their children. However, skipping a generation in inheritance can strain family relationships. Open communication is key to ensuring no one feels left out or overlooked.4. No Inheritance LeftSome Millennials and Gen Z-ers may find there is little or nothing left for them to inherit. Longer life spans and increasing costs may require Boomers to use up more of their assets in retirement.Financial experts generally recommend retirees withdraw no more than 4% per year from their retirement savings to preserve their assets. However, that may not always be possible, especially with rising medical expenses.How to Prepare for a Successful Wealth TransferOpen and proactive communication is the key to a smooth and responsible wealth transfer. Here are some steps families can take:1. Have the ConversationBoomers should sit down with their adult children and discuss their financial plans. This conversation should include:An overview of assets and how they will be distributedAny expectations about financial responsibilityA discussion of family values regarding stewardship and generosity2. Hold a Family ConferenceOne conversation may not be enough, as financial situations and family needs evolve over time. Regular discussions—perhaps with the help of a financial advisor—can help keep everyone on the same page.3. Seek Professional GuidanceFor families needing help navigating wealth transfer, a Certified Kingdom Advisor® (CKA®) can provide expert financial planning with a biblical perspective. A CKA® can help structure inheritance plans in

Albert Einstein reportedly once said, “The hardest thing in the world is to understand the income tax.”Well, if Einstein thought the U.S. tax code was mysterious, imagine how difficult it is for the rest of us. So, it’s a real blessing that Kevin Cross joins us today with some much-needed tax tips.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the IRS. Key Tax Changes When Filing 2024 TaxesWith W-2s and 1099s now in hand, taxpayers are beginning to file their returns. Here are some important updates to keep in mind:1. Crypto and Stock Reporting is More SophisticatedIf you’ve traded stocks or cryptocurrency, be aware that financial institutions are now required to provide more detailed and structured reporting to the IRS. Trying to avoid reporting crypto losses or small transactions? That’s not an option anymore. Even if you had minimal gains or losses, it’s crucial to report them accurately.2. Gig Workers Need to Track Expenses CarefullyMore people than ever are working in the gig economy—driving for rideshare services, delivering food, and freelancing. If you received a 1099 and saw a higher-than-expected income total, remember that you can deduct legitimate business expenses.Some key expenses to track include:Mileage driven for workEquipment or tools used for the job (like delivery bags or ride-sharing accessories)Home office expenses, if applicable3. Home Office Deduction Made SimpleFor those working from home, the simplified home office deduction remains available. Instead of complex calculations, the IRS offers a straightforward option: you can deduct up to $1,500 based on the square footage of your home used for business. This method, sometimes called the "tax court method," makes claiming a home office deduction much easier.Beware of Tax Scams: A New Threat EmergesUnfortunately, tax season also brings an increase in fraudulent activity. One of the most concerning scams right now involves Merrill Lynch accounts, and it’s catching even savvy investors off guard.The Merrill Lynch Phishing ScamHere’s how it works:Scammers deposit a small amount of money into a Merrill Lynch brokerage account.Merrill Lynch detects the fraudulent deposit and contacts the account holder.The next day, the victim receives an email from what appears to be Merrill Lynch, stating they need to transfer their money due to a security breach.Thinking it's a follow-up to a legitimate issue, the victim complies—only to have their money stolen.This scam is particularly dangerous because it plays off real events, making it feel credible. Tragically, one victim lost $900,000 in savings and was so devastated that he took his own life.How to Protect YourselfScammers rely on urgency and deception. Here’s how you can stay safe:Never respond to unsolicited emails or phone calls requesting personal or financial information.Always initiate contact with financial institutions directly through their official website or customer service number.Know the IRS Rules: The IRS will never text, email, or call you to demand payment. If you receive such a message, it’s a scam.As you prepare your taxes this year, keep these key points in mind:Report all taxable income, including crypto and gig work, and track eligible deductions.If you work from home, take advantage of the simplified home office deduction.Stay vigilant against tax scams—verify any financial communications by reaching out directly to the institution.If you need more tax guidance, you can learn more at KevinCrossCPA.com. Stay safe and file smart this tax season!On Today’s Program, Rob Answers Listener Questions:I have a multi-year guaranteed annuity from Gainbridge that pays around 6% for 3 years. Would it be a good idea for me to invest in it for at least a little while?I have a return-of-premium insurance policy. After 20 years, I'm supposed to get all the premiums I paid back, which will be around $32,000. I'm only two years into this policy, but I have some other loans and mortgages I need to pay off. Would it be better to drop this policy and get a different insurance policy, or should I keep the return-of-premium policy?I recently heard a minister commentator I respect say that you don't have to tithe once you are living on your retirement. My husband and I have been tithing off his income while he's still working and I'm retired, and we've found it to be a great blessing. However, the thought of not tithing once he retires concerns me. Is this biblical?My wife and I have about $8,500 in credit card debt and a vehicle payment. To help with this, I am considering opening a new credit card with interest-free payments. My wife's grandmother also mentioned a credit card relief program to me, but I don't know if that would be bad for my credit history. What would be the best way for us to approach paying off this debt?Resources Mentioned:Faithful S

It’s often said that wisdom may create wealth, but wealth rarely creates wisdom.What’s more valuable, wisdom or wealth? Before you answer, consider that wealth is fleeting, but wisdom is never lost. John Cortines joins us today to discuss why wisdom over wealth is always the right choice.John Cortines is the Director of Grantmaking at The Maclellan Foundation and previously served as the Chief Operations Officer at Generous Giving. He is the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.A Study in Ecclesiastes: Wisdom Over WealthFor the last year, John has been working on an in-depth study for FaithFi titled "Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money." The study is designed to help believers align their financial decisions with biblical principles.At the heart of the study is a profound truth: while wisdom and wealth are both valuable, only wisdom can preserve life.A Tale of Three Siblings: The Power of WisdomTo illustrate Ecclesiastes's message, John shares a real-life story that highlights the stark contrast between wisdom and wealth:Three siblings each inherited $1 million at age 18—a life-changing sum. Yet, their paths diverged dramatically:The first sibling followed a path similar to the Prodigal Son (Luke 15:11-32), squandering their wealth and ending up in financial ruin. The second sibling made some wise decisions but ultimately spent beyond their means, leaving them with little to show for the inheritance. The third sibling sought wisdom, meeting with godly mentors and hiring a Christian financial advisor. They learned about generosity, investing, and stewardship. Today, they glorify God with their finances and have built a stable foundation for the future.This story powerfully illustrates that wisdom can generate wealth, but wealth rarely generates wisdom.Why Prioritizing Wisdom MattersEcclesiastes sheds light on this principle in Ecclesiastes 7:11-12:"Wisdom, like an inheritance, is a good thing and benefits those who see the sun. Wisdom is a shelter as money is a shelter, but the advantage of knowledge is this: wisdom preserves those who have it."John shares three lessons from this passage that we can take from this:Wealth is useful, but it is temporary.Wisdom is lasting, offering protection, guidance, and life.Without wisdom, wealth can be destructive.While Scripture never condemns wealth, it warns us to prioritize wisdom above financial gain.Thanks to compound interest and investments, wealth tends to grow exponentially throughout life. However, wisdom doesn’t grow automatically—it requires intentional effort.If wealth outpaces wisdom, it creates danger. But when wisdom leads, it preserves our life and financial well-being.This is especially critical during sudden wealth events, such as receiving an inheritance, a bonus, or selling a business. Without wisdom, wealth can disappear quickly.So, if wisdom is more valuable than wealth, how do we pursue it?Wisdom isn’t just a set of principles—it’s a person. 1 Corinthians 1:24 refers to Jesus as:"Christ, the power of God and the wisdom of God."True wisdom begins with knowing Christ. It’s about seeking Him through prayer, studying His Word, and surrounding yourself with godly counsel.Wisdom Before Wealth: A Message for ParentsFor those preparing to transfer wealth to the next generation, we must prioritize passing down wisdom first.The great wealth transfer is happening all around us, but money without wisdom can be destructive. Parents should talk about finances, generosity, and stewardship long before an inheritance is passed down.Here’s how to transfer wisdom before wealth:Start financial conversations early, even with young children.Encourage responsible financial habits.Model biblical stewardship in your own life.Consider gradual giving instead of a lump sum inheritance.The worst approach is to write a will, wait until you pass away, and hope your kids figure it out. Open the conversation today.The Larger Message of Ecclesiastes: Jesus is Our Ultimate WisdomThroughout the book of Ecclesiastes, there are two major themes:The Shortness of Life—Ecclesiastes mentions death in 11 out of its 12 chapters. This isn’t to bring fear but to remind us to live with urgency and purpose. Aligning Finances with Faith—Money is a tool, but it must be managed in light of God’s eternal kingdom.Life is short. Let’s honor God with our time, talents, and treasure. Wisdom is ultimately found in Jesus Christ. When we align our hearts with Him, our finances, decisions, and entire lives are transformed. Let’s pursue wisdom over wealth, knowing that true riches are found in Christ.As you consider your finances, ask yourself:Am I pursuing wisdom as much as I pursue wealth?Am I making financial decisions based on biblical principles?Am I preparing my children and loved ones to handle money wisely?Money is temporary. Wisdom is eternal. Choose wisely.FaithF

Why don’t credit cards ever drown? Because they always have a float to keep them afloat!A little humor to start your day, but in reality, credit card float is no laughing matter—it can quietly put you one step behind financially and even lead to unexpected interest charges. Today, Chad Clark joins us to break down what credit card float is and how you can steer clear of its pitfalls.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.What Is Credit Card Float?Credit card float refers to the period of time between when you make a purchase with your credit card and when you actually pay for it. Since using a credit card means borrowing money, this float period allows you to delay paying for purchases—often up to 55 days—without incurring interest, as long as you pay your statement balance in full by the due date.Let’s say you purchase a pair of shoes on January 1st, right at the start of your billing cycle. If your statement closes on January 31st, your payment due date might be around February 25th. This means you have up to 55 days from the date of purchase to pay off the expense without interest.At first glance, credit card float sounds like a great deal—after all, you get to borrow money for free for a certain period. However, there’s a hidden risk: you might unknowingly be living one paycheck behind.Here’s why:If you pay your credit card statement in full each month, you may actually be using this month’s income to pay off last month’s expenses. This creates a cycle where you always rely on future income to cover past spending.While this system works as long as you have a steady paycheck, it can become problematic if unexpected expenses arise or your income changes.The Best Way to Avoid Credit Card FloatTo determine whether you’re unintentionally riding the float, do this quick check:Add up your current credit card balances.Subtract that amount from your checking account balance.If you don’t have enough in checking to cover your full credit card balance immediately, you are riding the float.This means if you lost your income tomorrow, you wouldn’t be able to fully pay off what you’ve already spent.To stay financially secure and avoid relying on the float, follow this key principle:Always have enough money in your checking account to fully pay off your credit card balance at any time—not just the statement balance, but the full balance.That way, when your bill arrives, you can pay it without dipping into savings or waiting for your next paycheck.How the FaithFi App Can HelpMany people don’t realize they’re caught in the float cycle until it’s too late. That’s where the FaithFi app comes in.FaithFi’s envelope system helps users track their spending and ensure they always have enough money set aside to pay off credit card balances in full. Users can ensure they're never one step behind financially by reconciling credit card envelopes within the app.If you want to stay on top of your spending and break free from the credit card float cycle, check out the FaithFi app at FaithFi.com or download it from your app store today.On Today’s Program, Rob Answers Listener Questions:My husband had heart surgery in 2021 and is now bedridden and paralyzed, so I had to quit my job to care for him full-time. I'm $20,000 in debt and trying to get help, but the process is slow. I also had a personal loan that went back up to the original $4,000 balance. What can I do in this situation? I need guidance on how to manage this.I had a 401(k) with a company I worked for about 10 years ago. When the company changed names, I kept my funds in the original 401(k) instead of transferring them. But now I can't find that old account anywhere. I've tried searching and contacting different companies but can't locate it. Do you have any recommendations on how I can find this old 401(k) account?I'm 58 and have a 3-year special catch-up contribution opportunity, during which I can contribute double the normal amount. Should I put all this extra into my 457 plan or split it between the 457 and a Roth account? I don't have much in my Roth currently, so I'm deciding whether to put some in the Roth or just contribute it all to the 457 to get the tax deduction.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsUnclaimedRetirementBenefits.com (The National Registry of Unclaimed Retirement Benefits)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family

"Do not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words." – Matthew 6:7In Matthew 6, Jesus warns against meaningless repetition in prayer. Thankfully, He doesn’t leave us wondering how to pray. Instead, He gives us the Lord’s Prayer—an example of how we should approach God with our needs.But have you ever noticed how often we overlook a key part of this prayer? The request for provision:"Give us this day our daily bread." – Matthew 6:11This simple yet profound verse reminds us that God is our provider. He wants us to come before Him humbly, asking for what we need. And in a world where self-sufficiency is often celebrated, this truth is more important than ever.God Is Our ProviderJesus’ words in Matthew 6:11 serve as a powerful reminder that we depend on God for our most basic needs—starting with food. It’s easy to take this for granted, especially in a time and place where food shortages are rarely a daily concern.But do we truly recognize that all provision comes from God? Do we regularly thank Him for our meals and daily necessities? Or do we fall into the trap of thinking that our own efforts—our jobs, savings, and financial planning—are what sustain us?It’s only when we face scarcity—when food, money, or security seem uncertain—that we remember our true dependence on God. But Jesus calls us to recognize this truth every day, not just in times of crisis.The phrase “Give us this day our daily bread” has a deeper meaning than just food. It speaks to all our needs—physical, emotional, and spiritual. We hunger for more than just nourishment. We long for peace, love, purpose, and meaningful relationships.Jesus teaches us to bring these needs to God in prayer, acknowledging that only He can truly satisfy us. The Lord’s Prayer is not just about survival—it’s about trusting that God will provide everything we need, both physically and spiritually.The Danger of Self-SufficiencyFor those of us living in relative abundance, the idea of asking for daily bread might feel distant. Unlike Jesus’ original audience, who often faced food insecurity, we may not think about whether we’ll eat tomorrow. In fact, for many, the challenge is having too much rather than too little.Yet, even in prosperity, Jesus’ words remain critical. This prayer reminds us that we are not self-sufficient. It helps guard against the illusion that we control our own destiny.The danger of materialism is subtle. We may not consciously reject God’s provision, but when we place our trust in our bank accounts, investments, or careers, we begin to believe that we sustain ourselves. That mindset leads to pride—and ultimately distances us from God.Jesus knew our hearts would struggle with this. That’s why He later says:"Seek first the kingdom of God and His righteousness, and all these things will be added to you." – Matthew 6:33We don’t need to worry about our next meal, our financial security, or our future. What we truly need is God Himself. And prayer reminds us of that.Breaking the Grip of MaterialismOne way to keep our hearts aligned with this truth is through generosity. Giving is a tangible way to acknowledge that God—not our wealth—is our provider. When we give, we loosen the grip that money has on us and demonstrate our faith that God will continue to meet our needs.There will always be reasons to worry—economic downturns, market fluctuations, unexpected expenses. But these uncertainties should drive us to prayer, not fear.So, the next time you pray, “Give us this day our daily bread,” say it with sincerity. Recognize your dependence on God. Thank Him for His provision. And let that gratitude lead you to trust—and give—more freely.On Today’s Program, Rob Answers Listener Questions:I'm 68 and plan to retire at 72. I owe $95,000 on a condo with a 7.125% interest rate. I've been paying an extra $1,000 per month towards the principal, but I'd like to know if I should do something else with that money instead of paying down the mortgage. I want to be debt-free when I retire. What should I do?I have some stock savings I was planning to use for retirement. But I had to max out a credit card a couple of years ago when I lost income. The collection agency is offering to let me pay 75-80% of the debt in a lump sum. Should I take money from my stocks to pay this off or try to work out a monthly payment plan instead?I recently won a $570,000 home from the St. Jude Dream Home Giveaway. When I took ownership, I had to pay $205,000 in taxes. My CPA says I could pay an additional 20% capital gains tax when I sell. I've had the home for a few years, and its value hasn't changed much. Can you help me understand the capital gains tax and how I can minimize the tax burden?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Ki

You’re generous; you love to give. But how do you know that your giving is having a real impact?It’s great that you have a heart for giving. The next step is to make sure your giving really counts…and that’s by aligning it with God’s heart. David Wills is here today to help us do that.David Wills is President Emeritus of The National Christian Foundation (NCF). He is also the co-author of Investing in God’s Business (The “How To” of Smart Christian Giving) and numerous articles and lectures nationwide. The Three Big Questions of GenerosityWhen it comes to giving, most Christians wrestle with three fundamental questions:Why should I be generous?How do I give?Where should I give?The first two questions deal with the heart and the head—our motivations for generosity and the practical ways to implement it. But the third question—where should I give?—often receives less attention. Instead of starting with our passions, we should begin with God's priorities.God asks us to be generous on every occasion so that it brings Him glory and joy to our hearts. But instead of asking, “What am I passionate about?” We should ask, “What is God passionate about?”A Framework for Giving: The Three-by-Three GridTo help believers align their giving with God’s priorities, David introduced a three-by-three framework that incorporates both geography and biblical causes.1. The Geography of GivingA great biblical guide for the where of giving comes from Acts 1:8:“You will be my witnesses in Jerusalem, and in all Judea and Samaria, and to the ends of the earth.”This verse provides a three-tiered approach to geographic giving:Local (Jerusalem)—Giving within our immediate communities, such as supporting our local church and meeting local needs. National (Judea and Samaria)—Supporting broader efforts within our country, including church planting, evangelism, and charitable organizations. International (Ends of the Earth)—Expanding generosity to global missions, Bible translation, and aid to those who have never heard the Gospel.Most people focus on what’s right in front of them—their local church or nearby needs. However, a biblical giving strategy challenges us to think beyond our immediate surroundings.2. The Biblical Priorities of GivingScripture reveals three overarching themes that reflect God's heart for giving:The Great Commission (Matthew 28:19-20)—Supporting efforts that spread the Gospel, such as evangelism, church planting, missions, and discipleship. The Greatest Commandment (Matthew 22:37-38)—Giving to ministries that help people grow in their love for God, including churches, theological education, and discipleship initiatives. The Great Compassion (Matthew 22:39)—Caring for our neighbors by giving to those in need—orphans, widows, the poor, and the vulnerable.These three biblical priorities form the vertical axis of the giving framework, while geography forms the horizontal axis.By overlaying these two dimensions—geography and biblical priorities—believers can develop a well-rounded and God-centered giving plan. This framework helps us see the gaps in our giving. Many believers focus on what’s nearby, but God calls us to care for those who have never heard the Gospel or are in extreme need.Making Giving a Family PracticeOne of the most powerful aspects of this framework is its ability to teach children about generosity. Parents can use this model to discuss giving priorities as a family and even create a family giving plan that reflects God’s heart.We encourage families to:Sit down together and map out their giving on the three-by-three frameworkDiscuss where they are giving too much or too little.Involve children in researching and selecting ministries that align with biblical priorities.Regularly review and adjust their giving strategy as a family.For those who want to track their giving over time, organizations like the National Christian Foundation (NCF) provide tools to help families and individuals monitor their generosity.Aligning Your Giving with God's HeartUltimately, giving isn’t about following personal passions—it’s about reflecting God’s heart. By using a biblical framework for giving, we can be more intentional and experience greater joy in generosity.Take Action Today:Assess your current giving. Does it align with God’s heart?Use the three-by-three framework to create a more balanced, intentional plan.Involve your family in discussions about generosity.Consider using a giving platform like NCF to track and refine your generosity over time.To read David’s full article on this topic, explore Faithful Steward, FaithFi’s new quarterly magazine. You can access it by becoming a FaithFi Partner for $35 per month or $400 per year at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:My daughter is turning 16 today, and I'd like to help her become more responsible with her money. Can you recommend any debit cards or apps that are good options for teens? I'm looking for something faith-oriented.I'm work

"And my God will supply every need of yours according to His riches in glory in Christ Jesus." — Philippians 4:19This verse is a powerful reminder that God is our ultimate provider, no matter the economic uncertainties we face. Recently, we have seen that many have been concerned about trade tariffs and their potential impact on the economy. Today, Bob Doll joins us to explain what this means and what we can expect moving forward.Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets like Bloomberg TV, Fox Business, and CNBC. What Are Tariffs and How Do They Affect Us?Tariffs are essentially taxes. If a 10% tariff is placed on imported goods, the price of those goods increases. That means consumers pay more for the products they need, which can slow down economic activity.However, tariffs are not just about taxation; they are often used as a bargaining tool in international trade negotiations. Sometimes, it depends on the day of the week because tariffs are on one day and then off the next. This back-and-forth can create uncertainty in the market and impact businesses, investors, and consumers alike.Why Do Markets React Negatively to Tariffs?The stock market tends to respond negatively whenever there's talk of tariffs. Why?Tariffs can slow economic growth. If companies and consumers have to pay more for goods, they either buy fewer products or cut back on spending in other areas. This dampens growth, and the market doesn’t like it.Could tariffs alone push the economy into a recession? If they are significant enough, last too long, and trigger retaliation from other countries, it could certainly lead to what economists call a trade war. A trade war is not healthy for economic growth, but cooler minds will likely prevent it from escalating too far.The Strategy Behind Tariffs: Negotiation or Necessity?So, is the push for tariffs simply a negotiation tactic, or is there a deeper economic issue at play?There’s no question that the U.S. has a trade imbalance with many countries. Addressing this imbalance is part of the reasoning behind tariffs. However, political leaders understand the risks and use tariffs more as a bargaining tool than a long-term strategy. They don’t want to sink the economy because these leaders have a vested interest in economic stability.Finding Peace in Economic UncertaintyDiscussions about tariffs, markets, and recessions can easily lead to fear. Economic uncertainty often leaves people feeling anxious about their financial future. But as believers, we have a greater source of security.Here are three key reminders:Leaders Care About Economic Stability—Regardless of their approach, political leaders generally want a strong economy. The Economy is Resilient—Whether we have tariffs or not, the economy is doing well, and its economic fundamentals are still strong. God is in Control—Most importantly, our hope is not in governments, markets, or policies but in God. God knows the end from the beginning, including tariffs. Psalm 91 reminds us that God is our refuge and fortress—we can rest securely in His protection.Focus on What You Can Control: Faithful StewardshipWhile we can’t control global trade policies, tax laws, or the stock market, we can control how we manage our own finances. We can control our own little economies—what passes through our hands. That means practicing faithful stewardship.We need to take care of everything God has given us—not just money, but all aspects of life: our minds, our bodies, our time. Being wise stewards of our finances means making thoughtful financial decisions, saving wisely, and giving generously. After all, it’s not ours; it’s all God’s.When we recognize that everything we have belongs to God, it transforms the way we handle money. Rather than holding onto it tightly, we can give joyfully and generously.Economic uncertainty will always exist, whether through tariffs, inflation, or market fluctuations. But believers are called to a higher perspective. Instead of being driven by fear, we can rest in the truth that God is sovereign over all things—even global trade policies.The key is to focus on what we can control: managing our finances wisely, practicing faithful stewardship, and embracing the joy of generosity. And through it all, we can trust that God is our refuge and provider, no matter what challenges come our way.On Today’s Program, Rob Answers Listener Questions:I recently received a sizable inheritance. I have some ideas about what to do with it, but I wanted to get your thoughts first.I would like to know where and how to invest. My husband and I are both retired. I have $200,000 left in my TSP and approximately $270,000 in IRA CDs, a small portion of which is Roth IRAs.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineCrossmark Global InvestmentsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Pa

"Prepare your work outside; get everything ready for yourself in the field, and after that build your house." - Proverbs 24:27That verse underscores the need for planning and execution, key elements for long-term financial success. Matt Bell joins us today to discuss how to put planning and execution to work for you.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Importance of a Financial PlanLife tends to happen to us while we’re making other plans. Unfortunately, for many people, life happens without any financial planning at all. Millions of individuals fail to establish a clear strategy for managing their money, and even those who attempt to plan often struggle to stay on track.Without a plan, it's easy to drift financially, reacting to circumstances rather than proactively building a stable financial future. The impact of financial planning—and, more importantly, execution—can be profound.A 2011 study analyzed data from over 1,200 individuals aged 50 and older, examining their approach to financial planning and its effect on their retirement net worth. The study categorized participants into four groups based on their level of planning and follow-through:Non-Planners: More than two-thirds of those studied had not done any financial planning despite being close to retirement. Many had not even researched what to expect from Social Security. Simple Planners: This group at least considered their future financial needs and made basic calculations about saving for retirement. However, only about half of them created a tangible financial plan. Serious Planners: These individuals sought financial information and even paid for professional planning advice. However, like the previous group, about half failed to implement their plans. Successful Planners: The final group—only about 20% of those studied—both created and consistently followed a financial plan over many years.Even Small Steps Can Make a Big DifferenceOne encouraging takeaway from this study is that every step toward better planning leads to improved financial outcomes. Even moving from the “non-planner” to the “simple planner” category doubled or tripled net worth at retirement. Advancing to the “serious planner” level added another 25% to 35% in wealth accumulation.This demonstrates that financial planning isn’t an all-or-nothing proposition. Even taking small steps—like estimating future financial needs or using basic retirement calculators—can lead to significant benefits.Proverbs 21:5 reminds us, “The plans of the diligent lead to profit.” This timeless wisdom underscores the necessity of both planning and execution.If you haven’t started the planning process yet, or if you have a plan but aren’t consistently following it, research shows there’s substantial value in getting back on track. Tools like Sound Mind Investing’s MoneyGuide, or even free online retirement calculators, can be a great way to start.Long-term financial success doesn’t happen by accident—it requires both a solid plan and the discipline to follow through. Every step forward matters, whether you’re just beginning your financial journey or looking to refine your existing plan.For more insights, you can read the full article, “Planning and Execution: The Keys to Long-Term Financial Success,” at SoundMindInvesting.org.On Today’s Program, Rob Answers Listener Questions:I have a 401(k) contributing 8%, but my company stopped matching and moved to a pension system. Should I roll over my 401(k) to a Roth or annuity? The balance is around $32,000.I know we need to be generous with our money, and I want to do the same with God's money. So, I was looking into donating to St. Jude's Hospital and my local church. Is it possible to do both, or should I double down and donate all of it to my local church?I have an HSA and had to start Medicare 7.5 years ago. I read I can retroactively take out the Medicare Part B premiums I've paid from my HSA over those 7.5 years. Is that correct?My wife is 62, and we wanted to know if she should start taking Social Security now. We don't need the money for income; we would just invest 100% of it. We're not sure what the drawbacks would be.I'm 64 years old and have significant money in IRA CDs. I considered slowly withdrawing the money every year to increase my liquid assets. I understand that the money goes toward my annual income, but I wanted to know if there is another way to lessen the taxes I have to pay.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationSound Mind Investing | MoneyGuidePlanning and Execution: The Keys to Long-Term Financial Success (Article from Sound Mind Investing)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800)

If you’re worried about your financial future, struggling to figure out how to pay for college, or feeling the pinch at the grocery store, you’re not alone. Financial challenges can make joy seem out of reach, but as Christians, we are called to face difficulties with a heart at peace.When financial worries—or struggles of any kind—overwhelm us, God’s Word offers wisdom and reassurance. Here are three biblical principles to hold onto in difficult times:Hardships are opportunities to grow in your faith.Joy and peace are not dependent on your circumstances.Your struggles have a purpose.Hardships Can Strengthen Your FaithThe book of James opens with a powerful challenge:"Consider it pure joy…whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance." – James 1:2-3At first glance, this perspective on financial struggles might seem counterintuitive. Why would we consider trials to be beneficial? James isn’t saying that we should enjoy hardship itself but that through trials, God is shaping us into the people He wants us to be.James was writing to believers far from home, discouraged, and facing persecution—challenges far greater than most of us experience. Yet he reassured them:“The testing of your faith develops perseverance, and perseverance must finish its work so you may be mature and complete, not lacking anything.” – James 1:3-4Like muscles that grow stronger through resistance and tearing down before being rebuilt, our faith is strengthened through trials. Financial difficulties can either weaken our faith or push us closer to God, deepening our trust in His provision.Joy and Peace Are Not Dependent on CircumstancesFinancial struggles are a part of life, but joy is an attitude that looks beyond the pain and frustration of the moment. Nehemiah 8:10 reminds us:"The joy of the Lord is our strength."This joy isn’t based on how much money is in our bank account or whether our financial future is secure. Instead, it comes from knowing that our true security is in Christ.Similarly, peace isn’t dependent on our financial situation. True peace is found in the assurance that nothing can separate us from God’s love:“Neither height nor depth, nor anything else in all creation, will be able to separate us from the love of God that is in Christ Jesus our Lord.” – Romans 8:39This is the kind of peace that Philippians 4:7 describes as “surpassing all understanding.” It doesn’t make sense from a worldly perspective, but it is real and available to us when we place our trust in God rather than our financial stability.Does God Want Me to Be Happy?A common question people ask during financial hardship is, “Doesn’t God want me to be happy?” The assumption is that if God is loving, He would protect us from circumstances that cause discomfort or pain. However, this is a misunderstanding of God's character.God is not a cosmic Santa Claus who gives us everything we want to make life easy. Instead, He offers us something far greater—Himself. He created us for a relationship with Him, and true fulfillment is found when He is our greatest treasure.“Now if we are children, then we are heirs—heirs of God and co-heirs with Christ, if indeed we share in his sufferings in order that we may also share in his glory.” – Romans 8:17Happiness is fleeting, tied to external circumstances like economic trends, financial stability, and shifting emotions. But joy in Christ is constant, anchored in God's unchanging character. We can navigate any financial challenge with peace because He is always good, just, and loving.Your Struggles Have a PurposeNo trial is without meaning. God may allow financial struggles for several reasons:To strengthen our faith and deepen our dependence on Him. To reveal His love and provision as we trust Him. To redirect us when we’ve drifted off course.Romans 8:28 gives us a powerful promise:“And we know that in all things God works for the good of those who love him, who have been called according to his purpose.”Even in financial hardships, God is at work. He is refining us, drawing us closer to Him, and shaping us into the people He created us to be.Understanding these biblical truths can transform the way we approach financial challenges. When we recognize that hardships grow our faith, that joy and peace come from God rather than our circumstances, and that our struggles have a purpose, we can face uncertain times with confidence.No matter what financial difficulty you are facing today, remember this: God is with you, working all things together for your good. Trust in Him, and He will lead you to true joy and peace.On Today’s Program, Rob Answers Listener Questions:I'm helping a friend with about $4,000 in payday loan debt. Can Christian Credit Counselors help him get out of this debt?I'm 70 and approaching retirement. A well-known investment firm, Fisher, has offered to manage my IRA. I've always self-managed it and am a bit conservative. They say they can nearly

“Let each one of you love his wife as himself, and let the wife see that she respects her husband.” - Ephesians 5:33Love and respect are often conveyed in the words that spouses choose to communicate. Those words can have a big impact on the marriage relationship. Kathleen Edelman joins us to discuss choosing the right words for your spouse.Kathleen Edelman is the author of “I Said This, You Heard That: How Your Wiring Colors Your Communication.” She is certified in biblical studies and Christian Counseling Psychology and has spent over thirty years coaching clients in communication.The Key to Healthy Communication in MarriageCommunication styles are the key to understanding one another. There's a big gray area between what we say and what our spouse hears. Each temperament speaks its own language, and we must apply it to become fluent in our spouse’s language.Many marital conflicts appear to be about money, parenting, or household responsibilities, but at their core, they stem from miscommunication. Recognizing that your spouse’s temperament affects how they express and receive information is the first step toward reducing misunderstandings.One of the biggest communication pitfalls is assumption—assuming that your spouse speaks and understands your language. That’s not true. We each speak our own language and must become fluent in our spouse’s language.Another common trap is operating out of our weaknesses rather than our strengths. Ask yourself: “What part did I play in this miscommunication?”“How can I choose differently to stay in my strengths?”Most miscommunication is not intentional, she emphasizes. Rather, it’s a result of speaking different emotional and verbal languages.The Power of Words: Choosing to Build Up, Not Tear DownEphesians 4:29 reminds us:"Do not let any unwholesome talk come out of your mouths, but only what is helpful for building others up according to their needs, that it may benefit those who listen."Our words hold incredible power. They can either build up or tear down our spouse. Learning to communicate in a way that blesses rather than wounds is a game changer in marriage.Listening is a critical skill in communication, and there are three key practices for improving it:The Power of the Pause—Before responding, take a moment to reflect. Instead of reacting to what was said, focus on why it was said. Listening to Understand—Rather than formulating your response while your spouse is talking, actively listen to grasp their perspective. Responding, Not Reacting—Choose words carefully, ensuring they are constructive rather than defensive.We should desire that every word that comes out of our mouths be a gift to the person we speak to.Of course, it’s also crucial to remember that communication is more than words—it includes body language, tone, and facial expressions. Our temperament even affects how we express ourselves nonverbally. Everything you do is motivated by the design God gave you. Understanding how our spouse interprets our nonverbal cues can help avoid unnecessary misunderstandings.Understanding Temperaments in MarriageA significant takeaway from Kathleen’s work is the importance of understanding temperaments—both our own and our spouse’s. Kathleen’s book includes an inventory to help couples identify their temperament, which can be a game changer in communication.Each temperament has specific needs that shape how they engage in communication:Yellows (Sanguine)—Need fun, people, and spontaneity. They may struggle with feeling restricted.Reds (Choleric)—Need goals, control, and results. They want to be part of decision-making.Blues (Melancholic)—Need security and order. They may be hesitant to spend money without planning.Greens (Phlegmatic)—Need balance and peace. They want to avoid conflict and seek compromise.When couples recognize these differences, it fosters empathy and prevents unnecessary frustration.Money is a significant source of marital conflict, but these disagreements often stem from temperament differences more than financial realities.Yellows love generosity but also crave financial security. They may struggle with balancing saving and spontaneous giving.Reds want financial goals and a clear plan for achieving them.Blues prioritize security and tend to be more cautious with money.Greens seek balance and prefer avoiding financial stress.Understanding why your spouse approaches money how they do can foster mutual respect and teamwork. Instead of seeing their perspective as frustrating, you can recognize it as their God-given design.Keeping Communication Strong Over the YearsAs years pass, spouses may drift apart if they stop investing in communication. That’s why couples are encouraged to stay in dating mode:Remember why you fell in love. Remember when you were dating—you put your best of yourself forward. Keep doing that. Look for the best in your spouse. Instead of focusing on their weaknesses, celebrate their strengths. Avoid complacency. Once you become cont

With financial fraud on the rise, protecting your personal and banking information has never been more important. A recent JD Power study found that nearly 29% of bank account holders experienced fraud in some form over a 12-month period.To help us navigate the best security practices, Aaron Caid shares expert advice on how to safeguard your accounts from cybercriminals.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. 1. Strengthen Your Password SecurityA strong, unique password is your first line of defense against fraud. Here’s how to create one that’s tough to crack:Use a mix of uppercase and lowercase letters, numbers, and special characters.Avoid using common words or easily guessed phrases (e.g., "password123" or your birthdate).Consider using a password manager to generate and securely store complex passwords.In addition to a strong password, enable two-factor authentication (2FA) for your financial apps. This extra layer of security requires a one-time passcode (usually sent via text or an authentication app) to verify your identity when logging in or completing transactions.Pro Tip: Turn off text message previews on your phone. If a scammer steals your phone, they could see your passcode on your lock screen and gain access to your accounts.2. Monitor Your Accounts & Stay Alert for FraudVigilance is key when it comes to detecting fraudulent activity early.Regularly check your bank accounts for unauthorized transactions.Review your credit reports through the three major bureaus—Equifax, Experian, and TransUnion—by visiting AnnualCreditReport.com.Sign up for transaction alerts from your bank or credit union to get notified of suspicious activity.Fraudsters also use phishing scams—fake emails, texts, or calls—to trick people into giving away personal information. These scams often create a sense of urgency to pressure you into acting quickly.Never share your:Username or passwordOne-time passcodesAccount or personal information over the phone, email, chat, or textHackers can spoof phone numbers and email addresses to make messages appear legitimate, even impersonating banks and credit unions. If you’re ever unsure, call your financial institution directly to verify any suspicious messages.3. Use Secure Wi-Fi & Protect Your Personal InformationWe all love a good coffee shop work session, but public Wi-Fi networks are a big security risk when accessing sensitive financial accounts. Hackers can intercept your data and steal your login credentials.Always use a secure, password-protected Wi-Fi network when banking online.Use a Virtual Private Network (VPN) for added encryption and security.Also, ensure you don’t let identity thieves find your personal information in the trash!Shred documents containing sensitive details like account numbers, social security numbers, or other financial information. Shredders cost as little as $35—a small price to pay for big security.Stay Secure & Bank with PurposeAs fraud prevention becomes increasingly important, many Christians are seeking banking solutions that align with their values. Christian Community Credit Union (CCCU) offers a Harvest Bundle—a unique checking and savings account designed to help members grow their savings while supporting missions worldwide.4% APY on the first $5,000 in Harvest Checking5% APY on the first $5,000 in Harvest Savings1.5% cash back on purchases with the Cash Rewards Visa CardA portion of proceeds supports missions, including gospel outreach, protecting vulnerable children, and fighting human trafficking. For those looking to align their banking with their faith, the Harvest Bundle from CCCU offers competitive rates and kingdom impact—a win-win for wise financial stewardship.If you're looking for a banking partner that reflects your faith and values, consider joining Christian Community Credit Union (CCCU).Ready to bank with purpose? Visit JoinChristianCommunity.com today!On Today’s Program, Rob Answers Listener Questions:Can you provide a list of the faith-based investments that I can invest in? I'm trying to invest differently with my 401(k) funds. I have an old work comp claim that was incorrectly billed, causing Medicare to deny payment. What happened, and how can I prevent this in the future? Also, if I submit a claim to the work comp company and they only pay a portion, am I responsible for the remaining balance? I own a free-and-clear home in Davenport. There is no mortgage anymore, and I would like to transfer 50% of ownership to a family member. Would I have to pay any taxes, or would my family members have to pay them because of this transfer? I'm retired, receiving $70,000 annually from disability and SSDI. I have $50,000 in a TSP account and $9,000 in debt that I'm paying off. I'm currently renting for $1,500 per month. Should I use my VA loan to purchase a home or just continue renting? I have a Roth IRA that I formed from a 403(b) annuity a couple of years ag

"So give back to Caesar what is Caesar’s, and to God what is God’s." - Matthew 22:21This statement from Jesus is one of the most profound and thought-provoking verses in the New Testament. While it is often quoted in discussions about paying taxes, it carries far deeper implications. What does this passage truly mean for us as Christ-followers today? Let’s explore its historical context and the spiritual truths that challenge us to live with a kingdom perspective.The Trap Set for JesusThe words of Jesus in Matthew 22:21 came during a tense confrontation between Him and the Pharisees. They sought to trap Him with a politically charged question:"Is it lawful to pay taxes to Caesar or not?"At that time, Israel was under Roman rule, and paying taxes to the emperor was a sore subject among the Jewish people. Saying “yes” would alienate Him from His Jewish followers, who resented Roman oppression. Saying “no” would paint Him as a revolutionary in the eyes of the Roman authorities.But instead of falling into their trap, Jesus turned the question back on them. He asked for a denarius—a Roman coin bearing Caesar’s image—and posed a question of His own:"Whose likeness and inscription is this?"When they answered, “Caesar’s,” Jesus delivered His famous response:"Give back to Caesar what is Caesar’s, and to God what is God’s."On a surface level, Jesus affirmed that people should fulfill their civic duties, including paying taxes. The coin bore Caesar’s image, signifying that it belonged to the government. By saying, “Render unto Caesar what is Caesar’s,” Jesus acknowledged the legitimacy of human authority.This teaching aligns with what the Apostle Paul later wrote in Romans 13:1-7, where he urged believers to submit to governing authorities, recognizing them as instruments of God’s order. Paying taxes, respecting laws, and contributing to society are responsibilities of every Christian.Yet, Jesus did not stop with Caesar—He introduced a deeper spiritual truth.What Belongs to God?Jesus followed His statement: "Render unto God what is God’s.” This raises an important question: What belongs to God?To answer this, we must look at Genesis 1:27, which tells us that humanity is made in the image of God (Imago Dei). Just as the denarius bore Caesar’s image and belonged to him, we bear God’s image—meaning our entire lives belong to Him.This truth calls us to complete surrender. While we owe taxes, respect, and obedience to earthly authorities, our ultimate allegiance is to God. He doesn’t just claim a portion of our income—He claims our hearts, minds, souls, and strength.Many people compartmentalize their lives, separating the "secular" from the "sacred." Work, finances, and citizenship belong to the earthly realm, while prayer, worship, and church belong to God. But Jesus’ teaching destroys this false divide.If everything belongs to God, then every aspect of our lives—including our work, relationships, finances, and civic responsibilities—should be offered to Him as an act of worship.By pointing to the coin’s image, Jesus subtly challenges us:Whose image do we bear? To whom do we belong? Where does our primary allegiance lie?This is not just a lesson about paying taxes—it’s about our identity and purpose in God’s kingdom.Jesus' words also highlight the temporary nature of earthly governments compared to God's eternal reign. Rome’s empire, like every human government, would eventually fall. But God’s kingdom is everlasting.This is why Scripture reminds us:"Our citizenship is in heaven, and we eagerly await a Savior from there, the Lord Jesus Christ." - Philippians 3:20"Do not store up for yourselves treasures on earth...but store up for yourselves treasures in heaven." - Matthew 6:19-20While we must live responsibly within earthly systems, we do so with the understanding that our true home is in God’s unshakable kingdom.Faithful Stewards in Both Realms"Render unto Caesar what is Caesar’s" is a call to faithful stewardship both in earthly and heavenly matters. As followers of Christ, we are called to:Honor our civic responsibilities (pay taxes, obey laws, engage in society). Live with eternity in mind (prioritizing God's kingdom above all else). Offer our whole lives to God (because we bear His image and belong to Him).As 1 Peter 2:9 reminds us, we are "a chosen people, a royal priesthood, a holy nation, God’s special possession." This identity should shape every decision we make, including how we manage our finances, serve others, and navigate our role in the world.Ultimately, Jesus' response was not just a clever answer to a political trap but a profound statement of divine truth.While we live in this world, we are not of it (John 17:16). Our ultimate purpose is not to accumulate wealth, power, or influence in earthly systems but to live in a way that reflects God's glory.So, as you navigate financial decisions, work responsibilities, and civic duties, ask yourself:Am I honoring God with everything I have? Am I living as a fai

The real estate market may be in its winter slump, but spring is just around the corner—only five weeks away!Higher interest rates have kept many home buyers and sellers off the sidelines in recent years. But could a change be on the horizon? Today, mortgage expert Dale Vermillion joins us with a market forecast and some practical advice on how to move forward.Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Is the Housing Market About to Shift?For the past few years, many homeowners have stayed put due to high interest rates, a phenomenon known as the lock-in effect. However, recent data suggests a shift might be on the horizon.Existing home sales rose by 6.1% in November 2024, signaling a potential increase in market activity. While December and January are traditionally slow, spring is expected to bring renewed momentum as buyers become more eager to move. Consumer confidence is growing, and as patience wears thin, many are deciding to buy now and refinance later.Should Buyers Accept Current Interest Rates?Many potential buyers have been waiting for rates to drop before making a move. But sometimes, waiting is no longer an option. Life goes on, and people need to relocate for jobs, family, or other personal reasons.That said, budgeting wisely is key. Before purchasing a home, we recommend:Assessing what you can truly afford Creating a solid budget to plan for mortgage payments Considering the long-term potential to refinance in a few yearsWhile mortgage rates remain higher than the record lows of a few years ago, waiting indefinitely for the “perfect” rate may mean missing out on opportunities.What to Expect From Interest Rates in 2025Many homebuyers have been banking on rate cuts to ease affordability, but will they actually happen?Only one or two rate cuts are expected in 2025, and even those are not guaranteed. The biggest factor influencing mortgage rates is inflation, which is tied to federal deficit control. Unlike previous periods of low mortgage rates, the government is unlikely to buy trillions in mortgage-backed securities to artificially lower rates.Bottom line: Mortgage rates are likely to stay between 6% and 7% for most of 2025, with a slight possibility of dipping into the high 5% range.Navigating the 2025 Housing MarketWhether you’re looking to buy or sell, market conditions are changing, and understanding them is crucial.For Sellers:Home values are flattening or declining in some areas. In Q3 of 2024, annual real estate appreciation dropped to 2.5% (an average of $5,700 per home), starkly contrasting with Q2’s 8% growth ($25,000 per home). If you’re considering selling, now may be the best time to maximize your home’s value before the market shifts further.For Buyers:Affordability should be your top priority. Home price appreciation may slow down in 2025, making it a good time to enter the market without facing rapid price hikes. While interest rates remain elevated, they will eventually decline, giving buyers a future opportunity to refinance. Homeownership still offers significant tax benefits, making it a worthwhile long-term investment.Mortgage Trends: What’s Changed?If it’s been a while since you’ve looked into getting a mortgage, you may be surprised by the range of options now available.New mortgage products cater to diverse financial situations. Credit challenges? There are more flexible loan options than before. Need down payment assistance? Programs exist to help qualified buyers.The housing market is shifting, and while interest rates may not drop dramatically, buyers and sellers alike have opportunities in 2025. For those needing to move, careful planning and budgeting will be essential. And for sellers, this could be a good time to capitalize on home values before potential declines.No matter your situation, making an informed, strategic decision is key, and consulting professionals can confidently help you navigate the mortgage landscape.For more expert insights on financing your home, check out The Mortgage Maze: The Simple Truth About Financing Your Home by Dale Vermillion.On Today’s Program, Rob Answers Listener Questions:I'm 37, with a family of five. I've been building a home on the property I bought three years ago, using cash so far. I have the funds for the roof this year, but I need to take out a loan or wait three more years to pay cash for the rest. Should I take out a loan to finish it sooner or wait and pay cash?I'm 56 and about to take early retirement with a $1,400 monthly pension. Then, I'll return to work in the private sector, making more. I have a 6% mortgage and a 7% HELOC. Should I invest or use the pension money to pay down my debts?I'm 76 years old and just finished a messy divorce. I have about $200,000 to invest, but I don't have a house, car payments, or significant debt. What should I do wi

One book of the Bible reminds us that life is short and we should make the most of every moment.If you guessed Ecclesiastes, you’re right. This book emphasizes that our time here is fleeting, but what lies beyond is eternal. In this post, we’ll explore this profound truth and introduce a new FaithFi study on the book of Ecclesiastes—Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money.The Shortness of LifeImagine standing on the summit of Mount Everest, over 29,000 feet above sea level. At that moment, you are higher than every other person on the planet. But as breathtaking as the view may be, you can’t stay there long.At 26,000 feet, climbers enter the “death zone,” where oxygen is too thin to sustain human life. Even the most well-trained mountaineers must rely on oxygen tanks just to survive the final push to the peak. And when they reach the top, they have just five minutes—300 precious seconds—before they must begin their descent or risk never making it back.How do you think a climber should spend those five minutes? Complaining about an aching ankle? Wishing they hadn’t endured the brutal climb? Or should they take in the view, praise God for the beauty of creation, and appreciate the rare opportunity they’ve been given?Five Minutes On The SummitEcclesiastes teaches us that life is like having five minutes on the summit.We’re here for a short time. Many have come before us, and many will come after. Some moments in life are filled with sunshine and calm, while others bring fierce storms. But regardless of our circumstances, we have one brief chance to live and no do-overs.The book of Ecclesiastes repeatedly urges us to embrace this reality. Solomon, the author, reminds us that all earthly pursuits—wealth, pleasure, status—are ultimately fleeting. But rather than making us despair, this truth should inspire us to live with gratitude and purpose.Facing the Reality of Death to Find Joy in LifeEcclesiastes does not shy away from the topic of death. In fact, it is mentioned in 11 out of its 12 chapters. Solomon writes:"Remember also your Creator in the days of your youth, before the evil days come and the years draw near of which you will say, ‘I have no pleasure in them’… before the silver cord is snapped, or the golden bowl is broken, or the pitcher is shattered at the fountain, or the wheel broken at the cistern, and the dust returns to the earth as it was, and the spirit returns to God who gave it. Vanity of vanities, says the Preacher; all is vanity.” (Ecclesiastes 12:1, 6-8)Why does Solomon want us to think about death? Not to depress us—but to help us truly live. When we remember that our time is short, we learn to treasure each moment. If I know I have to leave the summit soon, I’ll savor every second. If I know death is coming, I’ll be thankful to be alive.The closing chapters of Ecclesiastes paint a vivid picture of aging and decline. Our eyesight dims, our strength fades, and our bodies slow down. But instead of fearing this reality, we’re encouraged to embrace it—to use the time we have wisely and to find joy in the life God has given us.Live With Eternity In MindOur new FaithFi study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, explores how these lessons apply to financial decisions. Solomon warns us that wealth, like life itself, is temporary. Money cannot ultimately satisfy, and hoarding riches without purpose is meaningless.Instead, Ecclesiastes teaches us to steward our finances with eternity in mind. That means:Trusting God over material wealthUsing money to bless othersEnjoying the good gifts God provides without making them our ultimate pursuitAs Moses wrote in Psalm 90:12: “So teach us to number our days that we may get a heart of wisdom.”You are standing on the summit of life. You have five minutes.How will you spend them?Will you focus on fleeting troubles, or will you fix your eyes on the One who holds eternity in His hands?Ecclesiastes calls us to live with purpose—to love God, love others, and make the most of every moment. When the expedition leader, God, taps us on the shoulder and says, “It’s time to go,” may we be found faithful.We've only begun to explore the depth of this powerful new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, coming next month. Once it's available, you can find it at FaithFi.com/Shop.On Today’s Program, Rob Answers Listener Questions:I'm 73 and self-employed. Five years ago, I left my house for my daughter, who had thyroid cancer. The house could rent for $3,000/month, but I'm not getting any of that. Is there a way I can get a tax deduction or deferment for this situation?My credit score has gradually decreased from around 780 to 720, even though I always pay my bills on time. I'm unsure why this is happening since I have a mortgage, and my housing payments are half my income. What could be causing my credit score to go down?I'm 58 on disability and only get $1,300 a month. If something happened to my husband, I

“The purpose in a man's heart is like deep water, but a man of understanding will draw it out.” - Proverbs 20:5Man’s ultimate purpose is to glorify God, but deciding how to do that can be challenging. Sometimes, we need help from a trusted advisor. I’ll discuss that today with Rachel McDonough. Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor.The Cultural Challenge: Are We Asking the Right Financial Questions?Money is more than just a tool—it’s a reflection of our values, priorities, and ultimately, our faith. But how do we ensure that our financial decisions align with God’s purpose for our lives?As believers, we all want to honor God with the resources He has entrusted to us. However, navigating financial decisions can be overwhelming—especially when culture pushes us in the opposite direction.Traditional financial planning often starts with one simple question: “What are your financial goals?”At first glance, that sounds logical. But the problem? It starts with us—our dreams, our desires—rather than seeking God’s plan first.Many people feel pressure to already have their financial goals figured out. If they don’t, they may experience anxiety, uncertainty, or even guilt. Instead of feeling liberated, they feel like they’re failing.So, how do we shift from “What do I want?” to “What does God want for me?”The Heart of Financial Planning: Start with Your ValuesTake a step back before setting financial goals. Instead of ready, aim, fire—we should first seek to understand:Our values – What matters most in this season of life? Our priorities – How should we allocate resources to reflect these values? God’s purpose – What is He calling us to pursue financially?As Paul David Tripp once said:“The thing that is your treasure will control your heart, and what controls your heart will control your words, your behaviors, your choices, and your decisions.”If we start with financial goals before examining our hearts, we risk aiming at the wrong target.A Real-Life Example: Aligning Values with Financial DecisionsRachel shared a story about a couple who initially sought financial advice because they wanted to:Build a cabin on a parcel of land they owned. Renovate part of their house to improve their living space.Sounds reasonable, right? But as they went through a values discovery exercise, something surprising happened.The wife valued respect and security, yet she was deeply stressed in her job, to the point of tears during their financial planning session. The husband valued loyalty and family, which made watching his wife suffer painful for him.After reflecting on their true priorities, they realized now was not the right season for a cabin. Instead, they needed a financial plan that allowed the wife to:Move into a less stressful job (even if it meant earning less) Find financial stability while navigating a large inheritance Postpone the cabin to a future season once their immediate needs were metThe outcome? A plan that prioritized peace, purpose, and financial security—without regret.The Role of a Certified Kingdom Advisor (CKA®)Many financial advisors focus solely on wealth accumulation and goal-setting. But a Certified Kingdom Advisor (CKA®) brings a biblical perspective, asking questions like:“What do you think God is calling you to pursue in this season?” “Do you need more income or more impact?” “What does surrender look like in your financial life?”This kind of financial planning frees people from guilt and regret. Instead of chasing worldly success, they begin pursuing God’s best for their lives.Aligning values with financial goals isn’t just a nice idea—it requires practical steps. In the case of Rachel’s story from earlier, their financial strategy included:The wife transitioning to a lower-stress, lower-income job. The husband re-entering the workforce to ease financial pressure. Using their inheritance wisely to cover healthcare costs before Medicare kicks in. Delaying the cabin goal until it was a better fit for their priorities.Their financial decisions became intentional—not just reactionary.The Fruit of Biblical Financial PlanningWhen people approach financial decisions with a heart of surrender, the results are transformational. The fruit we see in people who adopt this mindset is:Freedom from regret Peace and joy in their financial journey Stronger relationships as they align finances with God’s planYou're not alone if you’ve ever felt uncertain about your financial goals. Instead of feeling pressured to have it all figured out, take a step back and ask:What are my core values? What is God’s purpose for my finances? Am I making financial decisions out of trust or fear?And most importantly:How can my money reflect what’s most important to me as a Christ-follower?If you’re looking for a biblical approach to financial planning, consider working with a Certified Kingdom Advisor (CKA®)—a professional trained to help yo

The holidays are behind us; you know what that means—it’s tax season! But before you start gathering your W-2s and receipts, there’s an important question: Do you know who will prepare your taxes this year?With a nationwide shortage of Certified Public Accountants (CPAs) and tax professionals, waiting too long to find a preparer could leave you scrambling—and vulnerable to scams. Here’s how to protect yourself and find a trusted tax preparer.Who Can Prepare Your Taxes?When hiring a tax professional, your preparer will likely fall into one of three categories:Certified Public Accountant (CPA): These professionals undergo rigorous education, exams, and licensing requirements. Many specialize in tax preparation and can also provide broader financial guidance. Enrolled Agent (EA): Licensed by the IRS, EAs are tax experts who can prepare and file returns, represent clients before the IRS, and provide tax planning services. Tax Attorney: These legal professionals specialize in tax law and are particularly useful for complex tax situations, audits, or disputes.Each of these professionals is highly qualified—but the problem is there aren’t enough of them.There is a growing shortage of CPAs and tax professionals, mainly because fewer young people are entering the field. Some firms are even hiring high school interns at $22 an hour to recruit future CPAs.What does this mean for you?Longer wait times to book a tax preparerHigher fees due to increased demandGreater risk of falling into the hands of fraudulent preparersWhen people are desperate to file their returns, they can become easy targets for scammers who fake credentials or engage in tax fraud.How to Avoid Tax Scams and Find a Qualified PreparerTo protect yourself, follow these IRS-recommended steps when choosing a tax preparer:1. Choose a Year-Round Tax PreparerA reputable preparer should be available beyond tax season. You don’t want your tax preparer to disappear if you get audited.2. Verify Their IRS CredentialsAsk for the IRS Preparer Tax Identification Number (PTIN). All paid tax return preparers must register with the IRS and enter their PTIN on every return they file.Check their status using the IRS Directory of Federal Tax Return Preparers at IRS.gov.3. Look for Professional CredentialsAsk if the preparer holds a credential such as:CPA (Check with the State Board of Accountancy)Enrolled Agent (Verify at IRS.gov under "Verify Enrolled Agent Status")Tax Attorney (Confirm with their State Bar Association)Additionally, inquire about continuing education—since tax laws change frequently, professionals should stay current.4. Be Cautious About FeesBeware of tax preparers who:Charge fees based on a percentage of your refundClaim they can get you a larger refund than competitorsA legitimate preparer should charge a flat or hourly rate based on the complexity of your return.5. Verify IRS E-File CapabilityMost tax preparers handling more than 10 clients must file electronically. If your preparer refuses to e-file, that’s a red flag.6. Ensure Proper DocumentationA trustworthy tax preparer will ask for the following:Your W-2 and 1099 forms (not just a pay stub)Records of deductions and creditsIf a preparer doesn’t ask for supporting documents, walk away. The IRS requires proper documentation to verify your return.7. Understand Representation RulesOnly CPAs, Enrolled Agents, and tax attorneys can represent you before the IRS if you're audited.Non-credentialed tax preparers—including your math-savvy cousin Bill—cannot represent you in an audit.8. Never Sign a Blank or Incomplete Tax ReturnPlease review your return carefully before signing. Ensure all information is accurate, and ask questions if anything appears incorrect.9. Your Refund Should Go to You—Not the PreparerCheck the routing and account number on your tax return to ensure your refund is deposited into your own account, not your preparer’s.Looking for a Faith-Based Financial Professional?If you want to work with a tax professional who aligns with biblical financial principles, consider finding a CPA, Enrolled Agent, or tax attorney with the Certified Kingdom Advisor (CKA®) designation.To find a trusted, faith-based financial professional, visit FaithFi.com and click “Find a Professional.”With tax season here, choosing a reputable, qualified tax preparer is more important than ever. Don’t wait until the last minute—start your search today to avoid scams and ensure your taxes are filed accurately and ethically.On Today’s Program, Rob Answers Listener Questions:As I turn 70 and a half, is it advantageous for me to start doing my charitable giving from my IRA? Or should I wait until 73, when I have to do the required minimal distribution (RMD)?I have $10,000 in a savings account with my local bank, but I only earn about 10 cents in monthly interest. Since I've never invested before, I'm interested in investing that money elsewhere to create some extra available money. What would you suggest?I ran a landscaping

“Whoever has a bountiful eye will be blessed, for he shares his bread with the poor.” - Proverbs 22:9Do you have a generous heart—one that seeks out opportunities to bless others, especially those in need? Today, Kelly Miller joins us to share a powerful way you can not only support the poor around the world but also help bring lasting transformation to their lives.Kelly Miller is the CEO and President of Cross International, an underwriter of Faith & Finance. The Global Crisis: Hunger, Clean Water, and PovertyPoverty remains a critical issue around the world, affecting millions of families who struggle to access basic necessities like food, clean water, and education.The numbers are staggering:Over 800 million people go hungry every day.More than 50% of child deaths are linked to hunger-related issues.Nearly 700 million people lack access to safe and clean water.Cross International is a faith-based humanitarian organization dedicated to transforming the lives of impoverished individuals and families worldwide. It is on the front lines, working in over a dozen low-income countries to meet these urgent needs while also addressing the deeper spiritual transformation that brings lasting hope.The Mission of Cross InternationalFounded in 2001, Cross International partners with local Christian ministries to provide essential resources to struggling communities. Their mission is to provide food, water, and shelter and transform lives through the love of Christ.The organization primarily serves Latin America and regions of Eastern and Southern Africa, where the need is particularly dire. Through local partnerships, they empower communities by offering:Nutritious meals for childrenClean drinking waterEducational opportunitiesDiscipleship and spiritual developmentBeyond Humanitarian Aid: Transforming Lives Through ChristCross International goes beyond simply meeting physical needs—they focus on long-term transformation. One example of this is their Thriving Kids Initiative, which ensures children not only receive food and education but also grow in faith and purpose.Take Kenny, a young man from rural Malawi. He grew up in extreme poverty, with little access to food or education. Through Cross International’s partnership with local ministries, Kenny was able to attend school and receive his only meal of the day—a nutritious meal provided through the program.Over the years, Kenny has thrived academically, and today, he is a university student in Malawi. He dreams of returning to his village, starting a business, and helping lift others out of poverty. His story is just one of many transformed lives through the work of Cross International.How You Can Help: Become a Thriving Kids AmbassadorThe impact of your generosity can be life-changing. For just $62, you can provide:Life-saving food and waterEducational opportunitiesSpiritual nourishment through the GospelYour gift can make an eternal difference in a child's life. Consider becoming a Thriving Kids Ambassador by giving today.Every gift of $62 helps a child not only survive but thrive through the love of Christ. To join this mission, visit crossinternational.org/faith. On Today’s Program, Rob Answers Listener Questions:My problem isn't necessarily with the credit cards. This year, I have financed three reasonably large items, including a used RV that I financed for $17,000 at 10.99% interest over 15 years. If I wait to pay it off for the entire 15 years of the loan, the total cost will triple or even more. How can I pay off this RV more quickly with the resources I have left?I'm in a tough financial spot with debt and no money, and I'm not sure if I should file for bankruptcy or keep trying to pay it off. I want to honor God with my finances, but I'm really struggling.I'm interested in the advantages and disadvantages of creating a trust with money we have after the passing of a loved one, as opposed to investing the money in mutual funds. Since I'm unsure of our intentions for the money, I'm trying to determine whether a trust is the better option or whether I should invest it in mutual funds.I have a $400,000 rental property with $60,000 left on my home mortgage. The rental brings in $1,800 per month. Should I sell the property, use the proceeds to pay off my debts, and invest the remaining $340,000, or should I continue renting the property until I'm 65?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationCross InternationalLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewa

“I have no greater joy than to hear that my children are walking in the truth.” - 3 John 1:4In that verse, the Apostle John praises his friend Gaius and other believers for their generosity toward missionaries. As parents, we want our children to be generous toward God’s Kingdom. Dr. Art Rainer joins us today with some steps we can take to grow our kids in generosity.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is also the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money and the Secret Slide Money Club, a book series designed to teach young readers about God’s way of being wise with money. Why Teaching Generosity MattersParenting is a high calling. Everything we say and do influences our children’s lives, shaping their worldview and their relationship with God. Generosity is part of God’s plan for His people, so we must intentionally guide our kids away from selfishness and toward selflessness.But how do we teach children to be generous when human nature tends to favor holding on rather than giving away? It starts with a few key principles.1. Model GratefulnessBefore kids can learn to give, they must first recognize the blessings they’ve received. A heart of gratitude fosters a heart of generosity.Regularly express thankfulness for the resources God has given your family. Teach your children that everything belongs to God—we are simply stewards of His gifts. Share stories of how generosity has impacted your own life and how giving frees us from the grip of money.Gratefulness leads to an open-handed posture toward money and possessions.2. Talk About GenerosityChildren won’t naturally connect giving to their faith unless we explain it to them. Conversations about generosity help shape their understanding of why we give.Explain that we give because God first gave to us (John 3:16). Share personal testimonies of times when generosity blessed others—or when you were blessed by someone else’s generosity. Connect giving to the gospel: Just as God gave us His Son, we reflect His love when we give to others.3. Model Generosity in Everyday LifeKids have a strong radar for hypocrisy. If we talk about generosity but don’t practice it, they’ll notice. That’s why we must demonstrate generosity in tangible ways.Let them see you giving—to your church, to charities, or to people in need. Discuss the needs of others. Ask them, “Have you ever needed help? How did it feel when someone helped you?” Involve them in acts of giving, such as donating food, helping a neighbor, or supporting a ministry.When children witness generosity in action, they begin to understand its value.4. Let Them Earn and GiveFor kids to truly grasp generosity, they need to experience both the sacrifice and joy of giving. One way to do this is by allowing them to earn their own money.Provide opportunities for them to do small jobs or earn an allowance. Encourage them to set aside a portion for giving, just as they do for saving and spending. Let them choose where to give—whether it’s to the church, a missionary, or a local charity.Handling their own money makes giving more meaningful and personal.5. Prioritize Giving to the Local ChurchOne of the best ways to instill a habit of generosity is by encouraging children to give to their church.Introduce them to pastors and missionaries so they can see how their giving impacts the Kingdom. Show them how to give—let them physically place money in the offering plate rather than only giving online. Reinforce that their giving contributes to something much bigger than themselves.6. Encourage Giving with Joy, Not GuiltGiving should be joyful, not forced. Pressuring kids to give out of obligation can lead to resentment rather than a cheerful heart. Instead, celebrate their generosity and show them the blessings that come from giving freely.As 2 Corinthians 9:7 reminds us, “God loves a cheerful giver.”Raising generous children requires intentionality. By modeling gratefulness, discussing generosity, and providing opportunities for them to give, we can help shape their hearts to reflect God’s generosity.Want to dive deeper into this topic? You can read more in Faithful Steward, FaithFi’s brand-new quarterly publication that equips families to align their faith and finances for God’s glory.To start receiving Faithful Steward every quarter, become a FaithFi Partner by giving $35 or more per month or $400 annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox.On Today’s Program, Rob Answers Listener Questions:I have a 401(k) with about $128,000 in it, and I'd like to invest $60,000 into an annuity. The person I talked to said I would get an 8,600-dollar bonus immediately if I invested the $60,000. He also said I could take out 20% of the annuity after two years. What do you think about this annuity option?I am 51 years old. I retire at the end of ne

You want to give generously to your church, but your non-believing spouse objects. What do you do?We occasionally get that question, and it’s a situation that must be handled with care. If you or someone you know is in that position, don’t miss today’s program, as Ron Blue is here with some sage advice.Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”Biblical Principles for Giving in MarriageThere are two key biblical principles to consider when navigating giving disagreements in marriage:Marriage is more important than money. While generosity is an important biblical value, unity in marriage takes precedence. Submission and honor in marriage matter. Ephesians 5:21 reminds us to “submit to one another out of reverence for Christ,” emphasizing mutual respect in financial decisions. Likewise, Matthew 19:6 affirms that a husband and wife “are no longer two, but one flesh. What therefore God has joined together, let not man separate.”Ultimately, financial decisions—including giving—should be made together, with mutual understanding and agreement.Ron’s Personal Story: When His Wife Wanted to TitheRon has firsthand experience with this issue. When his wife, Judy, became a Christian, she wanted to tithe. But at the time, Ron was not a believer and giving was the last thing on his mind.Instead of forcing the issue, Judy decided to remain silent about it for two years. However, she lived a transformed life, which was compelling to Ron. Her quiet witness ultimately softened his heart and led him to faith in Christ.This aligns with the biblical wisdom of 1 Peter 3:1-2, which encourages wives to live in such a way that they may win their husbands to Christ “without a word, by the conduct of their wives, when they see your respectful and pure conduct.”Judy’s patient, godly approach allowed Ron to come to faith in his own time, and ultimately, they found joy in giving together.Building Unity in Giving as a CoupleOnce Ron became a Christian, he and Judy intentionally set aside time to align their financial goals—including giving. Twice a year, they would take a weekend away to pray, discuss their finances, and determine their giving goals.Ron’s perspective on giving is clear:The tithe is a starting point. Giving should go beyond the tithe, as generosity is a way to break the grip of money on our hearts. Giving should be joyful and unified. When spouses give together in agreement, it becomes a source of great joy.As Ron says, “The only way you can break the power of money is to give.”Practical Steps for Couples Navigating Giving DisagreementsIf you and your spouse are struggling to agree on giving, consider these steps:Prioritize your marriage. Remember, God values unity in your relationship more than any specific financial contribution. Listen openly. Take time to truly hear your spouse’s concerns and seek to understand their perspective. Share why giving is important to you. Explain what generosity means to you personally and spiritually. Find a giving framework you both can support. This might mean starting small, gradually increasing giving over time, or designating funds for causes you both agree on.At the end of the day, God doesn’t need our money—He wants our hearts. And He wants our marriages to reflect His love and unity. If you and your spouse are wrestling with this issue, focus first on fostering understanding and alignment. When you give together with a joyful heart, the blessing is even greater.If you’d like to read more on this topic, Ron Blue’s full article on this subject is featured in our new quarterly publication, Faithful Steward. To receive it in your mailbox every quarter, become a FaithFi Partner at $35 a month or $400 annually at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:My husband's business distributing for a bread company has fallen apart. He was forced to resign, and they slandered his name. We only have $300 left and had a small business loan. What should we do?I received a letter in the mail stating that my student loans were put on some kind of permanent disability that I had never applied for. The letter mentioned being affiliated with a teacher, but I'm not a teacher. I don't know if this is a scam or if it's legitimate. What should I do?I'm calling to learn how to help my 20-year-old granddaughter start building credit. She needs to get a credit card and establish a credit history to buy a car in the fall. She works full-time but doesn't have any credit history yet. What's the best way for her to start building credit?I'm 55 years old and plan to retire in about 10 years. I recently filed an insurance claim for roof damage from a hurricane, but the claim was denied. Should I use the money in a money market account to replace the roof, or should I get an equity loan from the bank to pay for it?Resources Mentioned:Faithful Ste

Many of us are quick to offer help to others but struggle when it comes to asking for help ourselves. Why is that? As Christians, we are known for our generosity and willingness to assist those in need. However, when it’s our turn to seek help, we often hesitate. Let’s explore why that is—and why asking for help is not only okay but also glorifies God.The Reluctance to Ask for HelpChurches frequently establish benevolence funds to support members going through financial hardships. Most of us gladly contribute to these funds, eager to help those in need. But when the tables turn, and we are the ones facing difficulties, we often resist seeking assistance.One common reason is that we don't want to burden others. Many of us would rather go without—sometimes even at the expense of our families—than impose on someone else. However, the Bible challenges this mindset. Galatians 6:2 reminds us to “Bear one another's burdens, and so fulfill the law of Christ.” God's design for us is not self-sufficiency but a supportive Christian community where burdens are shared.Another reason we shy away from asking for help is the fear of appearing weak or vulnerable. We convince ourselves that no one can or wants to help us. Yet, this reluctance can sometimes stem from pride. Proverbs 11:2 warns, “When pride comes, then comes disgrace, but with the humble is wisdom.”Asking for help—especially financial help—requires humility. It can be difficult to admit mistakes or acknowledge needs, but it’s an opportunity for growth. Whether our difficulties arise from poor decisions or unforeseen circumstances, God can use them to shape our character and deepen our dependence on Him.Biblical Examples of Receiving HelpEven the Apostle Paul, a pillar of faith, received financial support for his ministry. In Philippians 4:19, he expresses gratitude, saying, “And this same God who takes care of me will supply all of your needs from his glorious riches, which have been given to us in Christ Jesus.”Furthermore, Jesus Himself accepted help from others. Luke 8:1-3 tells us that Mary Magdalene, Joanna, and Susanna provided financial support for His ministry. If the Son of God was willing to receive help, shouldn't we be willing to do the same?If you find yourself in need, start by sharing your situation with your church community. Even if no one within the church can help directly, they might know someone who can. The Body of Christ is a vast network of believers who are ready and willing to offer support in various ways.Seeking help not only benefits you but also provides others with an opportunity to fulfill their calling to generosity. When we withhold our needs, we deny them the blessing of giving.Asking for Help Glorifies GodThe ultimate reason to ask for help? It glorifies God. In 2 Corinthians 12:9, Paul writes, “For when I am weak, then I am strong.” Acknowledging our weakness allows God’s strength to shine through and reminds us of our dependence on Him.When you pray and ask God for help, He often answers through people and opportunities, not supernatural interventions. 1 John 5:14 assures us that “if we ask anything according to his will, He hears us.”By seeking help, we acknowledge our reliance on God, invite others to be part of His provision, and foster a deeper sense of community and mutual support.If you're facing financial difficulties, don't hesitate to ask for help. Whether it's from your church, a trusted friend, or even a financial advisor, remember that seeking help is not a sign of weakness—it's an act of faith and humility. If you’d like to meet with a Certified Kingdom Advisor (CKA) or a Certified Christian Financial Counselor, you can visit FaithFi.com and click “Find A Professional”. Take that step today. In doing so, you allow others to serve, grow in generosity, and bring glory to God through their kindness and your humility.On Today’s Program, Rob Answers Listener Questions:I'm a bi-vocational pastor with a substantial six-figure income, but I've gotten myself into a situation where I can't give as much as I want to. I see some financial relief coming soon, but I feel stuck and almost hypocritical about it. How can I get my finances in order so I can be the generous giver I want to be?I inherited an IRA from my dad in 2017. Can I keep this inherited IRA, or do I have to do something with it? I've been taking the required minimum distributions (RMDs) each year, but my tax preparer has never said anything about needing to handle this differently. Can I just continue taking the RMDs as I have been?I'm 73 years old and in good health now, but I'm concerned about the future if I need to go to a nursing home. I know they can take everything I have. How can I protect any assets I have, like my home and the $100,000 I have in cash and securities, from the nursing home taking it all?I'm 59 years old and I have everything paid off, a fully funded emergency fund, and I'm contributing to my 401(k). I have about $200,000 that I'd lik

What financial lessons can we learn from a tax collector who climbed a tree? Stay tuned and find out.Of course, you know I’m talking about Zacchaeus in Luke 19. That story is filled with important teachings about money, stewardship, and generosity. Dr. Kelly Rush joins us today with some interesting observations about the life of Zacchaeus.Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. The Cultural and Financial Context of ZacchaeusIn first-century Israel, political, social, and religious divides were as prevalent as they are today. Labels like Pharisee, Sadducee, and zealot carried heavy connotations, just as terms like Democrat or Republican do in our culture. Among the most despised figures in Jewish society were the tax collectors, or publicans, who collected tribute for the oppressive Roman Empire.A publican acted as a financial middleman, collecting various taxes such as road tolls, harbor dues, and purchase levies. Chief publicans, like Zacchaeus, oversaw entire regions and often amassed great wealth by overcharging and exploiting their fellow Jews. Essentially, publicans were seen as greedy traitors who profited from an unjust economic system—what we would call white-collar criminals today.Zacchaeus' position as chief publican meant he was not just a participant but a leader in this corrupt system. However, his story took a radical turn when he encountered Jesus.A Life-Changing Encounter with JesusIn Luke 19, Jesus is passing through Jericho, heading to Jerusalem for Passover. Despite being days away from His crucifixion, Jesus takes the time to walk through the town, looking for Zacchaeus.Zacchaeus, unable to see over the crowd because of his short stature, humbles himself by climbing a sycamore tree to catch a glimpse of Jesus. In a moment of divine grace, Jesus stops, looks up, and calls Zacchaeus by name, inviting Himself to his house. This moment showcases a beautiful truth: while Zacchaeus was seeking Jesus, Jesus was already seeking him.The turning point in Zacchaeus' story comes when he joyfully receives Jesus and declares his willingness to make restitution:He pledges to give half of his possessions to the poor. He commits to repaying anyone he has cheated four times the amount—going far beyond the Old Testament requirement of returning stolen goods plus 20% (Leviticus 6).This response highlights a powerful principle: true financial transformation begins with a changed heart. Zacchaeus' generosity wasn't an attempt to earn salvation, but a response to the salvation he had already received.Lessons from Zacchaeus' Financial TestimonyJesus Seeks the Lost, No Matter Their Financial PastZacchaeus' reputation was well known, yet Jesus didn't shy away from him. Instead of condemnation, Jesus offered restoration. No financial mistake is too great for God to redeem. Repentance Leads to ActionZacchaeus' turnaround was immediate and public. He didn't just feel remorse; he acted decisively to make things right. This challenges us to evaluate our own finances and take bold steps toward integrity and generosity. Money Reflects the HeartHow we handle our finances reflects what’s happening inside of us. Zacchaeus' newfound generosity was evidence of his transformed heart. Salvation Precedes StewardshipJesus declared, "Today salvation has come to this house" (Luke 19:9), showing that salvation is a free gift, not a reward for financial generosity. Stewardship is simply our response to God’s grace.Many people struggle with shame over their financial decisions, preferring to keep them hidden from God and others. Zacchaeus, however, openly acknowledged his financial failures and took steps to correct them. His story reminds us that God’s grace covers our past, and He calls us into a new future of faithful stewardship.Zacchaeus' story ends with a bold proclamation: "Look, Lord, here and now I give!" His financial testimony stands as a powerful example of what happens when we allow Jesus to transform not just our hearts, but our wallets as well.Let Zacchaeus' example inspire you to take an honest look at your finances, surrender them to God, and trust Him to guide you in stewardship that honors Him.Faithful Steward: FaithFi’s New Quarterly MagazineYou can read Dr. Kelly Rush’s full article on Zacchaeus in our new quarterly magazine, Faithful Steward. Get your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or more or an annual contribution of $400 or more. Find out more at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:I need to build up my credit score. I'm trying to figure out the best way to do that. I have about $4,000 in credit card debt, and I just had a car accident where my car is not drivable, so I need to buy a new car. I do have a job. What's the best first thing I should do?Resources Mentioned:Faithful Steward: FaithFi’s New Qu

“Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use, it will be measured back to you.” - Luke 6:38Jesus’ words in the Sermon on the Plain are a reminder that we should look for ways to be generous with all aspects of our finances, including investments. Brian Mumbert is here today to share some helpful ideas.Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.Dispelling the Myth: Performance vs. ValuesA common misconception in Faith-Based Investing is that investors must compromise financial performance to adhere to their values. Since the inception of Faith-Based Investing in 1994, the industry has made tremendous strides. What started with limited resources and headwinds has now evolved into a robust market with proven fund management, strong fundamentals, and competitive returns. Today, investors can achieve great risk-adjusted returns while staying true to their faith-based principles.Many investors have questions about whether they should tithe off their investment gains. In Luke 12, Jesus instructs us to store treasures in heaven where they cannot decay or be stolen. Additionally, 2 Corinthians 5:1-2 reminds believers that this world is not our home, and we are merely stewards of God’s resources. Unfortunately, statistics show that the average American earning over $150,000 annually gives only 1.7% of their income, with Christians slightly higher at 2.5%. Tithing on investment gains is an opportunity to demonstrate faithfulness and generosity.Timothy Plan's Commitment to TithingTimothy Plan leads by example, tithing off the revenue it receives from mutual funds. The company sees this as an act of obedience and stewardship, using their resources to support causes that align with their mission. From funding crisis pregnancy centers to promoting faith-based media and supporting biblical entrepreneurs in underprivileged areas, Timothy Plan goes beyond just making money for investors—they are actively contributing to kingdom work.When it comes to deciding where to allocate their charitable contributions, Timothy Plan follows a thoughtful approach. They look at “the other side of the screen,” meaning they support organizations that counteract the very issues they stand against. For example, as a pro-life, pro-family investment firm, they support crisis pregnancy centers and organizations like Movie Guide, which advocate for family-friendly entertainment in Hollywood. Their impact extends locally in Orlando, Florida, and globally across the world.Looking Ahead: What's New at Timothy PlanWith new seasons ahead for the country, faith-based investing remains a powerful tool to influence culture and financial stewardship.For those interested in aligning their investments with their values and making an impact through Faith-Based Investing, Timothy Plan offers a variety of investment options. Visit TimothyPlan.com to explore their offerings and learn more about their mission.On Today’s Program, Rob Answers Listener Questions:What key things should I focus on when looking for a mortgage company to buy a home? I want to put down at least half the purchase price using proceeds from selling two other properties and get a 15-year mortgage at the lowest rate possible. What should I look for when comparing lenders?I have a small architecture business, and my income has fluctuated significantly over the last 3.5 years. My financial advisor has suggested I put my business on the back burner and get a consistent salary job instead to meet my family's budget and pay down debt. How can I be transparent and respectful when communicating to a potential employer that I want a salaried job but also want to keep my business on the side?Is it better for me to continue putting the maximum $200 per month into my retirement IRA, where my employer matches 50%, or should I put that money towards paying off my debt instead? I'm trying to decide whether to focus on maxing out the retirement contributions to take advantage of the employer match or if I should prioritize debt repayment.I'm 12 months away from turning 59 1/2, so I can take retirement withdrawals without penalty. My wife and I have a Roth IRA, and she's also over 55. Would it make sense for me to make $8,000 withdrawals from my 401(k) to max out both of our Roth IRAs for the next 5 years, even though I plan to keep working for 4-5 more years? I'm trying to figure out if that strategy of funding the Roth IRAs makes sense in my situation.I'm looking for resources to find more mortgage lender options besides the one on Bankrate.com. I checked the website of Movement Mortgage, which has a charitable background, but I didn't see anything for the St. Louis area. What other websites or tools can I use to find quality mortgage lenders and compare rates without them pulling a hard credit check that would affect my credit score?

“The prudent see danger and take refuge, but the simple keep going and pay the penalty.” - Proverbs 22:3That verse is all about how critical it is to look ahead and spot potential problems so you have more time and resources to fix them before they happen. Harlan Accola joins us today to discuss the dangers of keeping mortgage payments into our retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, which is an underwriter of this program. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. The Changing Landscape of Retirement and DebtToday’s retirees face a vastly different financial landscape compared to previous generations. In 2024 alone, 4.2 million people will turn 65, and more than 50% of them are still making mortgage payments—the highest percentage in history. This contrasts sharply with previous generations, where fewer than 5% of retirees carried mortgage debt into retirement.Several factors contribute to this shift:Rising Home Prices: Houses are significantly more expensive than they were decades ago. Longer Mortgage Terms: More retirees are carrying 30-year mortgages well into retirement. Financial Strain: Seniors are balancing mortgage payments with other financial obligations such as healthcare, inflation, and even supporting aging parents or adult children.This financial burden often leads to seniors neglecting their retirement savings, relying on credit cards, and facing increased financial stress.The Hidden Debt Burden Beyond MortgagesIn addition to mortgage payments, credit card debt is at an all-time high among retirees. This generation was the first to widely adopt credit cards, often using them for convenience and rewards. However, unexpected life events—such as health crises, job losses, or the death of a spouse—can quickly turn manageable credit card balances into long-term debt.For retirees struggling with both mortgage and credit card debt, the combination can create a domino effect, draining their financial resources and limiting their options.A Solution: Reverse MortgagesMany seniors with more than 50% home equity have an opportunity to improve their financial situation through a reverse mortgage. This option allows seniors to:Eliminate Mortgage Payments: The biggest monthly expense can be reduced to zero, freeing up cash flow for other essential expenses. Create an Income Stream: If the home is fully or mostly paid off, seniors can tap into their home equity and receive monthly payments, helping them avoid dipping into retirement accounts or relying on credit cards. Preserve Retirement Funds: By utilizing home equity, retirees can avoid withdrawing too much from their investment accounts too early, helping to secure their financial future.The Unique Benefits of Reverse MortgagesUnlike traditional loans, a reverse mortgage is considered non-recourse debt, meaning that seniors will never owe more than the value of their home. This provides a level of financial security, even in the event of a housing market downturn.Reverse mortgages allow seniors to stay in their homes while making payments optional and, in some cases, converting their home equity into a steady source of income—all without financial risk beyond their home's value. By understanding and utilizing the tools available, seniors can achieve greater financial freedom and peace of mind in their retirement years.If you or a loved one are struggling with mortgage payments in retirement, a reverse mortgage with Movement Mortgage may be worth exploring. For more information, visit movement.com/faith to connect with Harlan Accola and explore your options.On Today’s Program, Rob Answers Listener Questions:My husband is retiring at 65, and we're considering whether to start his Social Security now and invest it or wait until 67 or 70 to get a higher monthly benefit. I'm looking for guidance on the best approach.I'm on Social Security disability, and my pastor preaches about tithing the first week's pay as first fruits. I'm nervous about this since I'm living on my disability income. What are your thoughts on how I should approach tithing in this situation?I thought I was leasing a car, but it turns out I'm actually purchasing it. I'm 73 and on Social Security with a part-time job. Would leasing or purchasing a car be the better option for me at this stage?I want to share a testimony about Christian Credit Counselors. I heard your recommendation and registered with them. They were able to help me consolidate my high-interest credit card debt, which improved my credit score. Getting started was a bit bumpy, but I came out way ahead compared to paying all that interest.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationMovement MortgageChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Adviso

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss.It’s true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other’s values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, as well as a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself with her husband, Jeff, and has written several books with him revealing impactful truths about relationships at home and in the workplace.A Lesson Learned Over DinnerShaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal.It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could better communicate and honor each other's perspectives.The Root of Money Conflicts in MarriageFinancial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff’s national study, they found that:67% of couples in financial conflicts believe their perspective is the logical one.Couples often perceive their spouse’s spending habits as irrational simply because they prioritize different things.For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values.The Power of CommunicationThe solution to money conflicts isn’t just budgeting or financial planning; it’s communication. It’s crucial that couples discuss not just what they want to spend money on, but why it matters to them.By having open and honest conversations about financial priorities, couples can:Build mutual understanding and trust.Find compromises that respect both perspectives.Create a financial plan that aligns with their shared goals and values.While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management.Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage.At the heart of every financial decision in marriage lies an opportunity—to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other’s values, couples can turn money from a source of conflict into an instrument of peace and purpose.Faithful Steward: FaithFi’s New Quarterly PublicationTo dive deeper into this topic, read Shaunti Feldhahn’s full article in the first edition of Faithful Steward, FaithFi’s new quarterly publication. Receive your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or an annual contribution of $400. Learn more at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:I'm 65 years old and have a traditional IRA with a little over $1 million. I'm wondering if I should start converting some of that traditional IRA to a Roth IRA since I'll be required to take required minimum distributions (RMDs) when I turn 73.My husband is not a believer and doesn't believe in tithing; he thinks it's a scam. I tithe 10% and save 10%, but he won't give any of his money to the church. How can I help him understand that giving to the church is not a scam and can be a blessing?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationThriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Rememb

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children…” But while the Bible emphasizes the importance of leaving an inheritance, it doesn’t provide a step-by-step guide. That’s where careful planning and biblical wisdom come into play. Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs.The Common Approach: Equal DivisionOne of the most common phrases in wills is, “My estate will be divided equally among my children.” This approach seems fair and straightforward, especially when the estate consists entirely of financial assets. However, complications arise when property, such as a home or vacation property, is included.When real estate is left to multiple heirs, they face tough decisions:Joint ownership: Should they retain the property together, splitting the responsibilities and costs?Sell and split proceeds: Should they sell the property and divide the cash?Buy out: Should one or more heirs buy out the others to take full ownership?These decisions can quickly lead to financial and emotional challenges without clear guidance.The Hidden Challenges of Inheriting PropertyLeaving property to multiple heirs often creates unexpected burdens, both financial and emotional.Properties come with ongoing expenses, including:Maintenance costsProperty taxesInsurance premiumsHomeowners association feesWho makes decisions about upkeep? How are expenses divided? And what happens if one heir can’t—or won’t—pay their share? These issues can turn a blessing into a burden.Emotions can also complicate property decisions, especially when tied to childhood memories. Disagreements over minor details—like paint colors or furniture placement—can spiral into larger conflicts. Long-buried resentments may resurface, particularly if one sibling is named executor and perceived as having undue authority.Practical Solutions to Prevent ConflictTo avoid these challenges, consider these strategies:Treat Property Like Any Other AssetMany estate experts recommend stipulating in your will that all property is to be sold, with proceeds divided among heirs. This approach provides clarity and avoids forcing heirs into joint ownership.Allow for FlexibilitySome heirs may wish to “buy out” the others to retain the property. By structuring your will thoughtfully, you can provide this option while ensuring a fair division of the estate.Consider Unique NeedsRon Blue, author of Splitting Heirs, suggests that “if you love your children equally, you will treat them uniquely.” Equal division may not always be the wisest choice. Consider factors like financial need and money management skills when planning your estate.The key to preventing conflict lies in communication. Discuss your estate plans openly with your family so they understand your decisions and the reasoning behind them. This transparency eliminates surprises and fosters unity among your heirs.Seek Professional GuidanceCreating or updating a will is a critical step that requires professional expertise. Work with an estate attorney who shares your Christian worldview to ensure your wishes align with biblical values. Certified Kingdom Advisors are an excellent resource; visit FaithFi.com to find one near you.By planning thoughtfully and communicating clearly, you can leave your children and grandchildren not only a financial inheritance but also a legacy of love and wisdom. Proverbs 13:22 reminds us of the importance of stewardship—not just in what we leave behind but in how we prepare to pass it on.On Today’s Program, Rob Answers Listener Questions:I'm 77, and my husband is 81. The only thing that we have of any value is property. We live on about an acre and a half, and we're in a trailer. We would like to gift this property to our grandson, who is 26. We would like to know the best way to gift it without him being hit with too much of a financial penalty.I'm trying to figure out how capital gains are calculated when I withdraw money from my 401(k), especially since my company stock has appreciated significantly over the years.My daughter's credit score is 625, and she's committed to repairing it. My credit score is over 800, and I've heard you talk about making someone an authorized user on a credit card to help with their score. How does that work, and how would it affect our credit scores?I'm completely lost when it comes to finances. However, I want to set my family up for financial success, so I would like to know if you could point me to a resource that can help me learn what I need to know about finances.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationChristian Credit CounselorsChristian Healthcare Ministries (CHM)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue wi

Larry Burkett once said, “The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.” These words remind us that stewardship is not just about money or tithing—it’s about faithfully managing everything God has entrusted to us.As believers, we’re called to be stewards because God created and owns everything. Our role is to manage His resources wisely for His purposes. But how can we know if we’re fulfilling this calling? To guide our journey of faithfulness, let’s explore the seven marks of a good steward.1. Acknowledging God’s OwnershipGood stewards recognize that everything belongs to God, including their resources, skills, and abilities. They understand they’re temporary managers entrusted with God’s gifts for His purposes.Scripture to Reflect On: “You shall remember the Lord your God, for it is he who gives you power to get wealth.” (Deuteronomy 8:18)2. Understanding Their MissionGood stewards grasp the significance of their role in God’s plan. They take their responsibilities seriously but approach them with humility, knowing they’re part of something greater than themselves.Scripture to Reflect On: “Commit your work to the Lord, and your plans will be established.” (Proverbs 16:3)3. Faithfulness in ActionFaithfulness is at the heart of stewardship. This includes following God’s financial principles: earning, saving, investing, and, most importantly, giving. Faithful stewards persevere, trusting that God will honor their obedience.Scripture to Reflect On: “Whoever can be trusted with very little can also be trusted with much.” (Luke 16:10)4. TrustworthinessGood stewards are honest and trustworthy in all they do. Integrity builds a foundation for effective stewardship, honoring God, and earning the trust of others.Scripture to Reflect On: “Moreover, it is required of stewards that they be found faithful.” (1 Corinthians 4:2)5. Diligence in Their WorkStewards are diligent, actively using what God has given them rather than neglecting or mismanaging it. They commit to working as if serving the Lord in all they do.Scripture to Reflect On: “Whatever you do, work heartily, as for the Lord and not for men.” (Colossians 3:23)6. Prayerful DependenceGood stewards seek God’s guidance through prayer, trusting in His wisdom and provision. Prayer frees them from anxiety and anchors them in God’s peace.Scripture to Reflect On: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.” (Philippians 4:6)7. Spirit-Led ActionFinally, good stewards act when the Holy Spirit leads, preparing their minds and hearts for action and living in obedience to God’s will.Scripture to Reflect On: “Preparing your minds for action, and being sober-minded, set your hope fully on the grace that will be brought to you.” (1 Peter 1:13)Dependence on God’s GraceThese seven characteristics set a high standard, reminding us that stewardship is more about faithfulness than perfection. We can’t meet these marks in our own strength. Instead, we depend on God’s grace and the power of the Holy Spirit to walk in obedience.Let’s commit to being faithful stewards, trusting that God will equip us for the journey. As 1 Corinthians 4:2 reminds us, “Those who have been given a trust must prove faithful.” May we glorify God in all we do, managing His gifts with care and purpose.On Today’s Program, Rob Answers Listener Questions:I'm getting ready to start receiving payments from my annuity. I want to give from the annuity, but I would like to know if I would get tax benefits from taking that money out of my annuity and paying it directly to a charity.I'm charged a rider charge on monthly withdrawals from an indexed annuity. Is there any way to avoid that? I have seven more years because it's a 10-year annuity.My daughter and son-in-law have $35,000 in debt, primarily for home repairs and a vehicle. They have a 3.5% mortgage but are being advised to do a cash-out refinance, which would take them to 6.5-7% on the full $155,000. Is there anything else they can do besides this refinance?I'm 74 and still working full-time. My 401(k) has about $500,000 in it, plus a company-funded pension. Should I roll that 401(k) over now or wait until I get close to retirement? I'm considering retiring by the end of next year.My mother is 89 and sold her house for about $300,000. At this stage in her life, how should she invest the money? Should she consider putting some of it into an annuity? I'd like her to have easy access to it.I was raised in a wealthy home, so I never learned proper financial principles. Now, I want to learn how to be financially responsible and properly steward God's provision in my family and business. Do you have any suggestions on how I can get started?I am 52 and retired, and my wife is 62 and retired. We're doing well, but more is always better. Could my wife start claiming my Social Security and

Sometimes, you have to travel far to learn about things close to home—like your finances.They say that “travel is broadening”—that it expands your horizons and increases your understanding of how things really work. Sharon Epps experienced that recently on the tram in the Netherlands, and today, she’ll share some financial lessons she learned along the way. Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.Faith, Finance, and the TramDuring a recent Christmas visit to The Hague, Sharon enjoyed time with her family and learned valuable lessons riding the Dutch tram system. These lessons beautifully parallel financial wisdom rooted in faith. Let’s explore these five lessons and how they can guide us in making faith-filled financial decisions.1. Plan in AdvanceBefore boarding the tram, you need to purchase a card or use an app like Apple Pay—cash isn’t accepted. If you’re unprepared, you’ll find yourself stuck.Financial Takeaway: Life transitions and financial goals require preparation. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Look ahead and make thoughtful plans for the future.2. Make Decisions Based on PrinciplesInterestingly, there are no instructions on using the card readers. Observing others reveals the steps: scan in when boarding and scan out when exiting. It’s a system based on principles rather than explicit instructions.Financial Takeaway: Life doesn’t come with a step-by-step manual for every situation. However, God’s Word is full of enduring principles. Base your financial decisions on these, rather than rigid rules, to stay aligned with His will.3. Avoid Decision-Making TrapsSharon missed her tram stop because she was looking in the wrong direction. She realized too late that the doors she needed were behind her.Financial Takeaway: Evaluate multiple alternatives before making decisions. Avoid getting stuck with the first option that comes to mind, as it might not be the best one. Broaden your perspective to avoid costly mistakes.4. Seek Godly CounselAfter missing her stop, Sharon was unsure what to do next. A kind pair of Dutch women guided her to the next stop and helped her find her way back.Financial Takeaway: Life is full of unexpected turns. Seeking wisdom from God and godly counselors can help you navigate challenges and make wise choices. Proverbs 15:22 teaches, “Plans fail for lack of counsel, but with many advisers they succeed.”5. Know What You HaveAfter several rides, Sharon realized she needed to check the balance on her tram card and top it up.Financial Takeaway: Just as you must track the balance on your card, you need to know the condition of your financial resources. Proverbs 27:23–24 reminds us, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” Awareness of your financial position is crucial for wise stewardship.Life Moves Fast—Stay PreparedRiding a tram requires quick decision-making—boarding, exiting, and navigating—all while staying prepared for the next leg of the journey. Financial decisions can feel the same way. By applying these five lessons—planning ahead, basing decisions on principles, avoiding traps, seeking counsel, and staying informed—you’ll be better equipped to navigate life’s financial challenges.If we adopt these principles in our financial decision-making, we won’t find ourselves getting off at the wrong stop and scrambling to figure out our way back.On Today’s Program, Rob Answers Listener Questions:I have a seven-and-a-half-year-old granddaughter, and I'd like to know how to begin investing in her college education.Can I roll my TSP over to an IRA? I'm getting ready to retire within the next five years, and I was told that if I did, the amount would be fixed and could only go up. However, I could still keep my TSP open and contribute to it. Would that be a wise move?I had a CD for $10,000 that matured, and I told the bank to reinvest it. It ended up being $10,210. Do I have to pay taxes on the $210 profit when I file my income taxes?I have been steadily losing money in the TCW MetWest Total Return Fund, and I would like to switch to a Timothy Fund. I'm 80 years old, so I want to change it to something that would make me a little money and keep the fees low. Who would I talk to if I wanted advice about which Timothy Plan fund to use?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationSavingForCollege.comTimothy PlanLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800)

Major changes are likely coming for the U.S. economy. Will you be ready for them?We have a new president who’s pledged to overhaul the economy. How will that affect investors and the markets? Mark Biller joins us today with a plan for managing “anticipated disruption.”Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Learning from the Past: Market Trends in ReviewBefore diving into predictions, it’s essential to recognize the value of reviewing recent market trends. Forecasting is often unreliable, so Sound Mind Investing focuses on building robust portfolios that can withstand a variety of market conditions.Key Observations from 2024:Strong Stock Market Performance: 2024 was a banner year for stocks.Struggles in Bonds: Higher long-term interest rates created challenges for bond investors.Rather than predicting, SMI uses trend-following strategies, aligning portfolios with market behavior to enhance resilience against uncertainties.What Could End the Bull Market?Bull markets typically end due to two primary catalysts:Federal Reserve Rate Hikes: With recent rate cuts, a pivot to hikes seems unlikely.Economic Recessions: Despite fears, current conditions—strong GDP growth, low unemployment, and robust balance sheets—make a near-term recession improbable.However, investors should remain prepared for routine market corrections (10-15%), which are typically short-lived and not worth major portfolio adjustments.Trump 2.0: Policy Changes and Market ImpactsPresident Trump’s second term brings both optimism and uncertainty. Business-friendly policies like tax cuts and deregulation are expected to boost growth, but his stance on disrupting global free trade could create volatility.Key Policy Areas to Watch:Immigration and Tariffs: Potential economic implications tied to trade disruptions.Deficit Reduction: Balancing growth-oriented spending with inflationary risks.Energy and Taxes: Initiatives that may shape inflation and economic growth dynamics.Wall Street’s response will likely depend on how aggressively these policies are implemented. While markets thrive on stability, Trump’s approach could introduce significant fluctuations.The National Debt: An Ongoing ChallengeReducing the national debt remains a pressing issue, but Mark is skeptical about achieving a balanced budget in the short term. Growth-driven strategies may help manage deficits, but cutting government spending poses immediate challenges for economic momentum.Staying the Course Amid UncertaintyWith many moving parts, confidently predicting cumulative economic and market outcomes is impossible. However, investors should:Stick to long-term plans.Maintain proper diversification.Continue regular contributions to retirement plans.The focus should remain on steady progress toward financial goals rather than reacting to short-term disruptions.For a deeper dive into these topics and actionable strategies, read Mark’s full article, “Trump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption.” This article offers a clear framework for understanding the potential market impacts of Trump’s second term while encouraging a disciplined investment approach.On Today’s Program, Rob Answers Listener Questions:My husband and I are researching long-term care options as we prepare to retire. We've considered long-term care insurance or an annuity with a long-term care rider, but we're having trouble deciding which is best for our situation. Do you have any recommendations?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationTrump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption by Mark Biller (Sound Mind Investing Article)Sound Mind InvestingLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty." - Proverbs 21:5That verse is often used to encourage people to avoid “get rich quick” schemes and other risky investments. However, it also conveys a message about budgeting. Dr. Shane Enete joins us today to discuss why budgeting is a form of worship.Dr. Shane Enete is an Associate Professor of Finance at Biola University and the author of the brand new book, “Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.”Why Do People Dislike Budgeting?Many people react negatively to the idea of budgeting. A CNBC article titled "People hate budgeting" spotlighted a financial professional who observed that over 60% of her clients felt as though they were "literally going to suffer" at the mere mention of budgeting. The misconception that budgeting is about reducing spending or losing freedom often drives this aversion. In reality, budgeting is a tool for aligning financial resources with personal and spiritual goals.Look at King David, for example, during his preparation for building the temple in 1 Chronicles 28–29. David’s detailed planning and joyful devotion in allocating resources for God’s temple exemplify budgeting as an act of worship. He saw his financial planning as a way to serve God and inspire others to do the same. This narrative offers a powerful reminder that budgeting can be a means of glorifying God and building His kingdom.Budgeting as IntentionalityA Plan for WorshipBudgeting is not about limiting joy but enhancing it by intentionally aligning financial decisions with God’s purposes. As stewards of God’s resources, we are called to manage money in ways that reflect His generosity and character. Daily Acts of GratitudeTracking expenses can become a form of worship. We develop a heart of gratitude by regularly acknowledging God’s provision—even mundane payments like utility bills or DMV fees. This practice shifts our mindset from entitlement to stewardship, deepening our reliance on God. Aligning with God’s HeartRegularly reviewing and planning financial decisions enables us to grow closer to God’s heart. As stewards, we are responsible for managing resources according to His will. This intentionality creates financial margins that foster generosity, resilience, and a greater impact for His kingdom.Breaking the Power of Money Through GenerosityBudgeting also unlocks the potential for generosity. As Ron Blue has said, “Giving breaks the power money can have over us.” By setting financial priorities, we can intentionally allocate resources to support others and further God’s work. William Wilberforce, a British politician, philanthropist, and movement leader to abolish the slave trade, once said, “By careful management, I should be able to give at least one-quarter of my income to the poor.” This kind of strategic generosity reflects a heart fully surrendered to God.A Transformative View of BudgetingBudgeting, when seen through the lens of worship, shifts from being a dreaded task to a joyful act of devotion. It enables us to live intentionally, reflect God’s character, and manage His resources wisely. By embracing this perspective, we not only honor God but also experience the freedom, joy, and resilience that come from living as faithful stewards.If you’d like to dive deeper into this topic, check out Dr. Shane Enete’s article, Budgeting as Worship, in the quarterly publication Faithful Steward. You can receive this resource by becoming a partner at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:I waited until full retirement age to start collecting Social Security, and I still work full time. My wife is past full retirement age but has not started collecting her Social Security yet. If she collects from my Social Security, will that interfere with my benefits now or in the future?If I retired at 67 and got the full Social Security benefit, our only significant expenses would be our first and second mortgages. Would it be worth withdrawing big chunks from the inheritance money my mother left me and my brother so we could free up and live on $1,200 extra dollars a month?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationWhole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy by Dr. Shane EneteLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for informat

One of the most common questions people ask is, “How much will I need to retire?” The answer is, “It depends.” It depends on your lifestyle, needs, and one key factor: how much you’re willing and able to cut from your budget. Let’s explore how thoughtful adjustments can help you bridge the retirement income gap and make this season of life meaningful and fulfilling.Understanding Retirement IncomeMost retirees experience a drop in income. While many work-related expenses disappear—like commuting, clothing, and dining out—studies show the average retirement budget is about 60% of pre-retirement income.Experts generally recommend aiming for 75-80% of your working income to cover expenses. For example, if you’re earning $75,000 annually, you’ll need approximately $56,000 in retirement. However, if Social Security and investments only generate 60% of your income, you’ll face a shortfall of $11,250 annually—or $940 per month.To bridge that gap, you can:Work longer to save more.Work part-time in retirement.Cut expenses to close the gap.How to Cut Retirement Expenses1. Downsize Your HomeIf your large family home is mostly empty, consider downsizing. A smaller home reduces:Maintenance costs.Utility bills.Property taxes.Additionally, selling your home can free up cash to convert into an income stream. If you’ve lived in the house for two of the last five years, you can exempt up to $250,000 in capital gains (or $500,000 for married couples).2. Reduce Transportation CostsWithout work commutes, you may not need two vehicles. Selling one:It cuts repair costs, registration fees, and insurance premiums.Generates extra cash for your retirement fund.Consider ride-sharing services for occasional conflicts when you and your spouse need to be in different places at the same time.3. Drop Unnecessary Insurance PoliciesSome insurance becomes unnecessary after retirement:Disability Insurance: This replaces lost income when you can’t work. If you’re retired, you no longer need it.Life Insurance: If your children are financially independent, you can scale back or eliminate coverage, especially since premiums rise with age.4. Eliminate DebtCarrying consumer debt, such as credit card balances, into retirement can significantly drain a reduced income. Instead, use the savings from downsizing, selling a vehicle, or cutting insurance to pay off high-interest debt as quickly as possible.Embrace the Opportunity to GiveRetirement isn’t just about cutting expenses—it’s also about finding purpose. With more free time, consider serving your church or favorite ministry. Retirement offers an incredible opportunity to pour your wisdom and experience into others for God’s glory.Retirement can be one of the most fulfilling seasons of your life. You can find contentment and purpose by thoughtfully managing your expenses and seeking God’s guidance. Remember, Christians don’t retire from something but to something. Ask God how He wants you to use this season for His glory, and trust Him to provide for your needs.On Today’s Program, Rob Answers Listener Questions:My mother-in-law gifted our house to my wife during estate planning. I know this is not ideal because it sets the cost basis to what they originally paid. Can my wife return the house and have her mom set up a transfer-on-death (TOD) deed instead?I recently sold my house and have the proceeds. I want to be a good steward of this money, but I'm unsure if I should put it in a high-yield savings account, an index universal life insurance product, or something else. What would be the best investment approach for this money?I'm 80 years old, and I've taken the required minimum distributions from my IRA account for about 10 years. I do a qualified charitable distribution each year and give all that to the church. But when I die, my kids are beneficiaries of the IRA, where they have to continue the minimum required distributions. I want to understand how that works for my kids when they inherit the IRA.Should I put my money in the S&P 500 index fund or use the Charles Schwab Intelligent Portfolio for my Roth IRA? Which option is the best investment approach?My husband just recently passed away, and I haven't received the life insurance payout yet. When I do receive it, do I need to pay a tithe on that money?I just finished my divorce, and the judge is letting me keep my $24,000 401(k). I want to use that money to buy a small house because the rent is too high. Are there any fees or penalties for taking a hardship withdrawal from my 401(k) to use for a home purchase?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Networ

If you’re wondering what the economy will do in 2025, you don’t want to miss this program.Few major league hitters can bat .300 in a given season. Imagine hitting .700! That’s what Bob Doll does every year: forecasting economic trends. He joins us today with his ten predictions for 2025.Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets like Bloomberg TV, Fox Business, and CNBC. Key Economic Predictions: Fewer Tailwinds, More Tail RisksThe theme of Doll’s predictions signals a shift:Fewer Tailwinds: Slower earnings growth and high valuation levels create less upward momentum.More Tail Risks: A new political administration introduces uncertainty around regulation, tax policies, and trade.Doll shares insights on everything from inflation to sector performance. Let’s dive into his top predictions for the year ahead.1. Slower Economic Growth and Rising UnemploymentDoll predicts economic growth will slow as unemployment rises past 4.5%. While this signals a cooling job market, he emphasizes that a 4.5% unemployment rate is historically low and not cause for alarm.2. Sticky Inflation and Limited Rate CutsInflation is expected to remain stubbornly above the Federal Reserve’s 2% target. This will likely limit the Fed’s ability to reduce interest rates, continuing the challenges seen in 2024.3. Treasury Yields and Credit SpreadsTreasury yields are forecasted to trade between 3.75% and 4.75%, with credit spreads widening slightly as the economy slows. While this doesn’t point to a recession, it reflects tighter financial conditions.4. Slower Earnings GrowthDoll anticipates earnings growth will fall short of the optimistic 14% consensus, noting that such high growth is rare without a post-recession recovery.5. Increased VolatilityAfter a period of low volatility, Doll predicts the VIX (Volatility Index) will approach 20, reflecting greater market uncertainty. He advises investors to remain disciplined and avoid emotional reactions to market swings.6. A 10% Market CorrectionDoll foresees a 10% correction in 2025, emphasizing that such corrections are normal and should be viewed as buying opportunities for long-term investors.7. Equal-Weighted Portfolios Outperform Cap-Weighted PortfoliosDoll expects equal-weighted portfolios to outperform cap-weighted ones as the dominance of mega-cap stocks like the “Magnificent Seven” wanes.8. Value Outperforms GrowthAfter years of underperformance, value stocks are projected to outshine growth stocks, driven by cheaper valuations.9. Top Performing SectorsDoll predicts financials, energy, and utilities will outperform sectors like healthcare, technology, and industrials. While technology remains essential, high valuations could temper its returns.10. Tax Cuts and Reduced RegulationWith the Trump tax cuts set to expire in late 2025, Doll anticipates extensions alongside reduced regulations. However, divisive policies like tariffs and deportation may have limited economic impact.11. Budgetary ChallengesEfforts to address government spending will face significant hurdles, with key programs like Social Security, Medicare, and defense spending off the table. Progress will likely fall short of ambitious deficit reduction targets.Preparing for 2025Doll acknowledges that predicting the future is inherently uncertain, but his insights provide valuable context for navigating the year ahead. He advises investors to stay diversified, remain disciplined, and prepare for volatility.As we embrace 2025, let’s remember that while economic trends may fluctuate, wise stewardship and long-term planning remain steadfast principles for financial success.On Today’s Program, Rob Answers Listener Questions:When our children were young, my husband and I decided to start tithing despite our tight budget. I was skeptical about how we could afford it, but we began tithing in faith. Surprisingly, our budget never changed—the 10% we tithed didn't impact our weekly spending. It was almost miraculous how the Lord provided for us as we honored him with our finances. To this day, I'm not sure how it worked out, but God was so faithful when we stepped out in obedience.We've saved up cash at home for emergencies but have no significant expenses since we live on Social Security. How much of that cash should I keep at home? And if I don't keep it all at home, what's the best way to keep it somewhat liquid and earn some interest rather than just storing it in a coffee can?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationCrossmark Global InvestmentsBankrateChristian Community Credit Union (CCCU)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is

“Give me neither poverty nor riches, but give me only my daily bread.” - Proverbs 30:8Every generation has struggled to learn contentment, and ours is certainly no different. But God’s Word provides great instruction on this tough topic. Brian Holtz helps us work through it today.Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.What Is Contentment?In Philippians 4:12, the apostle Paul shares, “I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.”As Paul describes it, contentment is being satisfied with having enough—neither desiring more nor less. It’s a state of recognizing God’s provision as sufficient for every situation.On the surface, contentment sounds simple: accept and be grateful for what you have. But as with most heart issues, it’s far more complex.At a recent conference, attendees were asked two revealing questions:Do you feel you have enough?Who would like more?Most people raised their hands to both questions. This honest reflection highlights a tension many of us face: knowing we have enough yet wanting more. As Proverbs 30:8 reminds us, “Give me neither poverty nor riches, but give me only my daily bread.” However, genuinely praying for “only my daily bread” can be a struggle when we long for more security or comfort.How to Learn ContentmentPaul’s contentment didn’t come naturally—it was something he learned. His focus on gratitude provides a practical framework for us:Focus on What You Have, Not What You LackPaul’s secret to contentment lies in appreciating God’s provision in all circumstances. Whether in plenty or need, he trusted in God’s sufficiency. Reframe Your PerspectiveInstead of longing for a better car, job, or house, focus on the blessings you already have. Gratitude shifts your mindset and allows you to recognize the abundance in your life. Embrace the Sweet SpotPaul’s perspective mirrors the balance described in Proverbs 30:8—a place between poverty and riches where we can flourish spiritually. When we focus on enough rather than excess, we experience greater peace and satisfaction.Finding Contentment in a Discontented WorldContentment isn’t something we achieve overnight; it’s a lifelong journey. That’s why Compass Financial Ministry is dedicating its upcoming Your Money Counts conference to this vital topic.The conference, which will take place in Orlando, FL, from February 27 to March 1, will offer an in-depth look at finding contentment in a world plagued by materialism. Attendees will explore Scripture, practical tools, and community support to grow as faithful stewards.Learning contentment is essential for spiritual growth and faithful stewardship. As we embrace gratitude and trust God’s provision, we’ll find the peace Paul describes in Philippians 4.For more information about the Your Money Counts conference, visit CompassFinancialMinistry.org. Don’t miss this opportunity to learn how to thrive in God’s provision and find true satisfaction in Him.On Today’s Program, Rob Answers Listener Questions:I'm looking to buy a new house near my grandkids before I retire in the next couple of years. I have rental property, retirement accounts, and other assets. How can I use these to purchase a new home without taking out a mortgage or depleting my retirement savings too much?I'm 24 and live at home. I'm close to paying off all my student debt, which I'm excited about. I'm starting to think about budgeting, investing, and saving up for things like renting or even buying a home in the future. However, I'm anxious about transitioning to the "real world" and managing my finances. What's your advice for a younger person like me who doesn't have a ton of net worth yet but wants to honor the Lord with my money?A few years ago, I invested in a private biotech company that has since gone public and is listed on the NASDAQ. However, I've lost my login credentials to monitor the investment, even though it's in a custodial account. I've tried to recover my login but haven't been able to do so. What's the best way to regain access to view and manage this investment?I operate a nonprofit organization, and I'm considering trying to get a tax break for it. I was thinking about turning my residence over to the nonprofit. Can I get a tax deduction? What's the best way for me to go about doing that?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationCompass Financial Ministry | Your Money Counts ConferenceOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Fai

Losing a loved one is a time of profound grief and confusion, and the practical tasks that follow can feel overwhelming. Settling a loved one’s estate requires careful attention and preparation. Let’s walk through six financial steps to take during this challenging time, all underpinned by prayer and reliance on God’s guidance.Begin with PrayerBefore addressing financial matters, take time to pray. Invite God into your decisions and ask for wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.”Prayer offers clarity and comfort, helping you approach the estate settlement process with confidence and peace, knowing the Holy Spirit is interceding on your behalf (Romans 8:26).Step 1: Obtain the Death CertificateThe death certificate is a critical legal document you’ll need to settle your loved one’s affairs. It’s usually prepared by the medical examiner and provided through the funeral home.You’ll need multiple copies for various purposes, such as notifying financial institutions, filing taxes, and starting probate. If you don’t receive the death certificate within a few weeks, contact the funeral home or your local vital records office.Step 2: Begin the Probate ProcessTake the death certificate and the will to your county probate office to file a petition to begin probate. As the executor, you can then carry out the deceased’s wishes.If there’s no will, the process becomes more complex. You’ll still petition the court to begin probate and may request to be named administrator of the estate. However, the court will decide how the estate is distributed according to state law. For guidance, consider consulting a Certified Kingdom Advisor (CKA). Visit FaithFi.com and click “Find a Professional” to find a trusted advisor.Step 3: Notify Financial Institutions and AdvisorsInform the deceased’s financial institutions, banks, and financial advisors of their passing. Advisors can help identify assets and ensure they’re handled correctly.Check for accounts with Transfer on Death (TOD) or Payable on Death (POD) instructions. These accounts can often bypass probate, simplifying the process.Additionally, notify the three credit reporting agencies—Equifax, TransUnion, and Experian. Provide the death certificate to close accounts and check for fraudulent activity.Step 4: Address Insurance PoliciesContact the deceased’s life insurance company to begin the claims process and provide the death certificate and policy details.Also, cancel other unnecessary insurance policies, such as auto or disability insurance, to avoid ongoing payments for no longer required services.Step 5: Notify Government AgenciesEnsure the appropriate government agencies are informed of your loved one’s passing. The funeral director often notifies Social Security but confirm that this has been done.Notify Medicare and, if applicable, the VA or other government programs. This step helps avoid complications and ensures benefits are properly adjusted.Step 6: File Final TaxesThe final step is filing the deceased’s taxes, including any outstanding returns. This is often best handled by a professional, such as a CPA, to ensure compliance and accuracy.While these tasks may seem overwhelming, prayer and preparation can guide you through. Remember, you are not alone in this journey. Lean on God’s wisdom and the support of trusted professionals to navigate this season with grace and confidence.On Today’s Program, Rob Answers Listener Questions:My able-bodied older sister has been relying on our family for financial support for the past 8 years, even though the work she chooses doesn't provide enough income. Should we continue supporting her, or is that not helping her in the long run?My wife and I will inherit an IRA from my mother-in-law. The IRA and a brokerage account contain over $300,000 in cash. However, the money market account yield has dropped from 5.3% to 4.5%. Where should we invest this cash with the stock market looking richly valued?I'm 70 and retired, and I need to get a new car. I currently owe $27,000 on my home. Should I pay off the remaining mortgage, which would increase my monthly payment, or should I get a car that would cost around $20,000, which would lower my monthly payment? I don't know where to get the money to do either.My 91-year-old dad has a $3,500-$4,000 monthly shortfall in his long-term care expenses and is down to his last $25,000. I'm considering a reverse mortgage for him, as this could allow him to stay in his home for another 2.5 years. What are your thoughts on the different types of reverse mortgages and whether this could be a good option for his situation?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationMovement MortgageNational Christian Foundation (NCF)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advi

When the topic of generosity comes up in church, reactions can be mixed. Some tune out, assuming the message is about funding a project or filling a financial gap. But generosity is about much more than meeting needs—it’s about the heart behind the act. Let’s explore not only why we should give but also why we shouldn’t and how to cultivate a heart for biblical generosity.Why We Shouldn’t Give1. Guilt Shouldn’t Be Your MotivationMany Christians have been influenced by guilt-driven messages, from legalism to the prosperity gospel. These teachings suggest that not giving enough equates to stealing from God or forfeiting His blessings. However, the Bible paints a different picture.In 2 Corinthians 9:7, Paul reminds us, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Faithful giving stems from joy, not guilt or obligation.It’s also crucial to distinguish between guilt and conviction. Guilt comes from the enemy and leads us away from Christ, while conviction comes from the Holy Spirit, drawing us closer to God. Hebrews 10:22 reassures us that, through Christ’s sacrifice, we are freed from guilt. If guilt drives your giving, pause and prayerfully examine your heart.2. Giving to Control the ChurchSometimes, people give to influence church decisions, designating funds to specific ministries or withholding support to express disagreement with leadership. This approach can sow division and turn generosity into a transaction.Giving with strings attached undermines the act of worship and reflects a lack of trust in God’s sovereignty. As stewards of God’s resources, we are called to support His work, even when we don’t agree with every decision.3. Seeking Self-Righteousness Through GivingGenerosity should not be a means to feel morally superior. In Luke 18:11-12, Jesus shares the Parable of the Pharisee and the Tax Collector. The Pharisee flaunted his giving to showcase his righteousness, while the tax collector humbly sought God’s mercy.Faithful giving is a response to God’s grace, not a way to earn recognition or status. If pride motivates your generosity, it’s time to reassess your heart.Principles for Generous GivingTo develop a heart of biblical generosity, consider these principles:1. Make Giving a PriorityProverbs 3:9 teaches, “Honor the Lord with your wealth and with the firstfruits of all your produce.” Giving should come first—not as an afterthought or leftover.2. Embrace Sacrificial GivingIn 2 Samuel 24:24, David declares, “I will not offer burnt offerings to the Lord my God that cost me nothing.” True generosity often requires sacrifice, mirroring Christ’s sacrificial love for us.3. Give CheerfullyAs Paul emphasizes in 2 Corinthians 9:7, “God loves a cheerful giver.” Joyful giving reflects trust in God’s provision and a desire to participate in His work.Reflect Before You GiveBefore giving, ask yourself:Am I giving out of gratitude, joy, and a desire to honor God?Or are guilt, control, or pride influencing my decision?God values the heart behind your generosity far more than the size of your gift. By giving with a spirit of gratitude and humility, you participate in advancing His Kingdom and glorifying Him through your stewardship.On Today’s Program, Rob Answers Listener Questions:I've lived with a roommate for the past three years, and he has not had a job since March. I haven't been able to set any money aside or anything like that, with me covering those, and I wanted to know if you had any advice on what I should do if I should move out or otherwise.I have a son who's considering bankruptcy. He has more than just credit card debt, and I'm concerned about what filing bankruptcy will do to his credit and how long it would take him to recover. He's hoping to be able to buy a house soon.My friend told me about an IRA manager, and I am about to sign the contract. They charge 1.5%, and I want to know if that is normal. I'm about to sign a check for $8,000, and I just want more information about that. Also, can you tell me about an annuity? I don't know much about it.When my grandmother died, in her will, she left your house to me and my aunt pending her husband's death. Well, before her husband died, he ended up giving the property to somebody else, and because of that, my aunt and I were just left out. Is that legal? Can you confirm whether it's true that you must report interest gained to the federal government if you open a high-yielding savings account?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationBetterment | Schwab Intelligent PortfoliosLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody

Do you dream of being financially free but are unsure where to start? Stay with us—we’re here to help.Knowing what to do and actually doing it are two very different things. Today, we’ll share the steps to achieve financial freedom, but the decision to take action is yours. Like most worthwhile goals, it starts with the desire and determination to make it happen.Start with a Mindset ShiftFinancial freedom begins with a change in perspective. Many people approach budgets like a diet—focused on restriction and deprivation. Just as restrictive diets often lead to overeating, feeling financially deprived can lead to overspending.Why does this happen? The Bible identifies underlying issues like greed, envy, covetousness, or a lack of faith in God’s provision. To overcome these, you need to cultivate gratitude.As 1 Thessalonians 5:16-18 says:“Rejoice always, pray without ceasing, give thanks in all circumstances; for this is the will of God in Christ Jesus for you.”Gratitude shifts your focus from what you lack to what you have, enabling contentment and a more positive relationship with your budget.Practical Tips for Living Below Your MeansOnce your mindset is aligned, it’s time to take action. Here are some practical steps to help you live below your means:1. Build MarginHaving money left over at the end of the month is critical for financial freedom. Start by scrutinizing your fixed expenses:Can you lower your mortgage payment by eliminating PMI?Reduce energy costs by being more efficient.Cancel unused streaming subscriptions or other recurring charges.Sometimes, simply asking for a discount—on medical bills or repairs—can save money. It never hurts to ask!2. Track Your SpendingKnowing where your money goes is essential. The FaithFi app is an excellent tool for setting up a budget and tracking your spending. It can highlight areas where you can cut back, like unused subscriptions, potentially saving hundreds of dollars annually.3. Celebrate Small WinsBudgeting doesn’t have to feel like a punishment. Reward yourself for hitting financial milestones:Treat your family to ice cream after a week of staying on budget.Celebrate building your emergency fund with a special dinner.These small rewards keep you motivated without derailing your financial progress.4. Delay Non-Essential ExpensesStretch out spending for non-essentials like salon visits or subscriptions. For example, getting your nails done every six weeks instead of four can save $100 a year.5. Declutter and Sell Unused ItemsIf you’re paying for storage, consider selling items you no longer need. A good rule of thumb: Let it go if you haven’t used it in a year. This can free up cash and eliminate unnecessary expenses.Increase Your IncomeIf you’ve trimmed your expenses but still struggle to live below your means, it’s time to explore ways to boost your income.Take on a side job in the gig economy.Pick up extra hours at work or ask for a raise.Leverage your skills for freelance or consulting opportunities.Even a modest income increase can significantly improve your financial situation over time.Learning to live below your means allows you to serve God more fully, free from the weight of financial stress. It’s a journey of faith, discipline, and intentionality, but the rewards—both spiritual and financial—are worth it.On Today’s Program, Rob Answers Listener Questions:I recently left a domestic violence situation and will be receiving around $200,000 from the sale of our home. I have limited income and minimal debt. Should I use the home sale proceeds to pay off all my debt to start fresh, or should I keep the debt and make payments to rebuild my credit while holding onto the home sale money for a year or two?I'm turning 65 in March and will be Medicare-eligible. However, I plan to continue working and have employer-sponsored insurance, including an HSA, to which I contribute. I've heard conflicting information—can I continue not enrolling in Medicare now, and can my employer continue contributing to my HSA?My IRA advisor is transferring to LPL Financial. Charles Schwab recommended that I roll over my $300,000 IRA to them and invest directly in stocks rather than mutual funds, saying I was too conservatively invested. Should I stay with my current advisor as they move to LPL, or should I look for a new advisor at Charles Schwab or elsewhere?I have one loan left, a 7.25% bank loan of about $20,000. I also took out a $14,000 401(k) loan. I plan to retire in May when I turn 65. Would it be best for me to pay off both of these loans before I retire, even though it would mean withdrawing from my 401(k) to pay off that loan?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationNerdWalletLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your