Faith & Finance

What if I told you that giving money to good causes won’t necessarily change your heart? Many assume that if they invest their finances in the right places, their affections will follow. But what if the real issue isn’t where our money goes, but what we treasure most? The Words of Jesus: Treasure and the Heart In His Sermon on the Mount, Jesus offers one of the most profound insights into money and the human heart: "For where your treasure is, there your heart will be also." (Matthew 6:21) Many interpret this to mean that if we direct our money toward good causes, such as ministries or charities, our hearts will naturally follow. And often, generosity does strengthen our connection to what we support. However, if money itself remains our treasure, even generous giving can leave our hearts tied to wealth rather than to God. What if Jesus wasn’t just telling us to redirect our money but inviting us to reexamine what we treasure most? The real challenge isn’t simply choosing better causes; it’s choosing a better treasure. If our hearts cling to money, even when giving it away, we remain captive. But if we treasure God above all, our money will naturally reflect that devotion. The Widow’s Offering: A Heart Aligned with God Consider Jesus’ observation of the widow’s offering in Mark 12: "And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. And a poor widow came and put in two small copper coins, which make a penny." (Mark 12:41–42) The wealthy gave much more than the widow, but their giving didn’t free them from money’s grip. Their treasure was still rooted in their wealth. Jesus exposes a similar heart issue when He rebukes the Pharisees in Matthew 23: "Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier matters of the law: justice and mercy and faithfulness." (Matthew 23:23) The Pharisees gave meticulously, yet their hearts were enslaved to pride and status. Their giving wasn’t born from a love for God, but from a desire to maintain religious appearances. True Freedom in Treasuring God In contrast, the widow’s tiny offering flowed from deep trust and surrender to God. She gave not to be seen, but because her greatest treasure was the One standing before her. Jesus praised her, not for the amount she gave, but because her heart fully belonged to Him. If giving alone could free us from money’s hold, the Pharisees would have been the most spiritually free people of their day. But they weren’t. True freedom comes not from giving more but from treasuring God most. As Pastor John Piper puts it: “God is most glorified in us when we are most satisfied in Him.” How Do We Shift Our Hearts? So, if the issue isn’t where we put our money but what we treasure, how do we shift our hearts? Recognize God as Your Greatest Treasure -Seek First His Kingdom -View Money As A Tool, Not A Treasure -Store Up Treasures in Heaven -When our treasure is in God, our relationship with money changes. We give not to force our hearts to care, but because our desires are already aligned with what God cares about. We are freed from financial anxiety because our security is in God, not wealth (Matthew 6:25–34). If money is our treasure, our hearts will forever remain enslaved to it, no matter how generously we give. But if we treasure God, our hearts will be free, and our relationship with money will reflect that reality. The real question isn’t, “Where is my money going?” but “What do I treasure most?” Because where your treasure is, there your heart will be also. Partner with FaithFi That’s the heart behind everything we do at FaithFi. We’re here to help people not just manage money wisely, but treasure God above all else—because when He’s our greatest treasure, everything changes. If you believe in that mission, would you consider becoming a FaithFi partner? With a gift of $35 a month or...

“The wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” - Proverbs 14:8 When it comes to saving, spending, and talking about money, our God-given temperament plays a bigger role than we think. Today, Kathleen Edelman shares how understanding your wiring can lead to better financial decisions and healthier money conversations. 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 30 years coaching clients in the art of effective communication. What Is Temperament—And Why Does It Matter? Temperament was studied by Hippocrates 2,000 years ago. It’s innate, unchangeable, and part of your design by God, like your eye color or fingerprint. In contrast, “personality” evolves based on culture, upbringing, education, and environment. This foundational understanding is essential not just in relationships but also in how we approach money. Temperament influences how we budget, spend, save, and even how we talk about money. Here’s how each temperament—Yellow, Red, Blue, and Green—sees financial decisions through a unique lens: YELLOW (Sanguine): The Fun-Loving Giver Wiring:Financial Outlook:Growth Tip:RED (Choleric): The Visionary Leader Wiring:Financial Outlook:Growth Tip:BLUE (Melancholic): The Cautious Planner Wiring:Financial Outlook:Growth Tip:GREEN (Phlegmatic): The Peaceful Stabilizer Wiring:Financial Outlook:Growth Tip:Why Temperament Matters in Money Conversations Most miscommunication is not intentional. For instance, it could be that you’re speaking ‘blue,’ and they’re hearing ‘yellow.’” That misalignment can be costly, both relationally and financially. To bridge the gap, learn to recognize both your own temperament and the temperament of the person you're speaking with. Then, speak their language. Example: A Yellow Talking to a Blue “Hey _______, I know details matter to you. Can we sit down together and make a plan that gives us both a vision with a little room for fun?” Example: A Red Talking to a Green “We need to figure this out now,”“I’d love us to make a simple plan together so that we both feel secure. We can talk it through at your pace.” Next Steps for Growth and Stewardship Kathleen’s workbook, I Said This, You Heard That, is designed to help you better understand your wiring—and live it out in strength, not weakness. It’s not about changing your temperament but becoming fluent in the languages of others. Inside the 2025 edition, you’ll find tools to help you: When we understand our design, we communicate better. When we communicate better, we make wiser financial decisions. And when our finances reflect intentional, Christ-centered communication, our relationships and witness grow stronger. Learning to speak the language of others says: I care about you. That changes everything. I Said This, You Heard That: How Your Wiring Colors Your Communication (2025 Edition) is available now wherever books are sold. Let it be a guide for building stronger relationships and becoming a more faithful steward of what God has entrusted to you. Become a FaithFi Partner Also, if you'd like to read Kathleen's full article featured in the second issue of Faithful Steward Magazine, consider becoming a FaithFi Partner. With a monthly gift of $35 or an annual gift of $400, you'll receive the magazine each quarter delivered directly to your mailbox—plus these exclusive benefits: FaithFi AppFaithFi studies and magazinesFaithFi study and devotionalJoin us in equipping believers to steward God’s resources faithfully. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At...

“I have seen all the works that are done under the sun; and, behold, all is vanity and a chasing after wind.” – Ecclesiastes 1:14 Life is full of pursuits and ambitions, each one pressing for our attention. Like a collage, the individual pieces may not make sense until we step back and see the bigger picture. Today, we’re talking about the gift of perspective—and how viewing our lives through an eternal lens can change everything. Zooming Out with Ecclesiastes If there’s one book in the Bible that invites us to zoom out and take an honest look at life, it’s Ecclesiastes. It’s raw, reflective, and unafraid to ask big questions: What’s really worth pursuing? What has lasting value? What are we building—and why? Our new study, Wisdom Over Wealth, explores the book of Ecclesiastes with these questions in mind. It helps us see how financial wisdom fits into the broader story of a life lived for God. I’ll tell you how to get your copy in a moment. In our everyday financial lives, it’s easy to be consumed by the immediate—this week’s bills, that investment opportunity, or the looming tax deadline. Every issue seems urgent. But what if, instead of focusing on just one puzzle piece, we looked at how it fits into the whole? What if we could pull back and see our finances as part of a much bigger story? That’s the gift of perspective. It lifts us out of the weeds and helps us see clearly. When we understand how our financial choices connect to our spiritual priorities, we begin making wiser, more intentional decisions. The Danger of Disconnected Wealth Ecclesiastes invites us to take a mile-high view of not just our money but life itself. The Preacher, on whom this book is based, says he has seen all the works done “under the sun” and found them to be vanity, a chasing after the wind. Not because work or wealth are bad, but because when they become our ultimate goals, they leave us empty. That’s a message we need in a culture that constantly tells us to buy more, earn more, and do more. But Ecclesiastes points out that it’s all meaningless if disconnected from God’s purposes. Wealth as a Tool, Not a God This doesn’t mean that wealth is meaningless—far from it. When we view money through a biblical lens, we understand that it’s not something to be worshiped or hoarded. It’s a tool to be used for God’s Kingdom purposes. When stewarded wisely, wealth can be used for incredible good: to bless others, to support ministry, and to bring glory to God. That’s where Ecclesiastes speaks into stewardship. It reminds us that we don’t truly own anything. Everything we have is entrusted to us by God. We’re stewards, not owners—and that changes everything. It changes how we think about earning, saving, giving, and even retiring. It redirects our focus from accumulation to impact. Instead of asking, “How much can I gain?” we begin to ask, “How can I use what I have to reflect God’s character?” That’s the heart of biblical stewardship—living with open hands, trusting God as our provider, and using what we’ve been given for His glory. The Value of Contentment Ecclesiastes also teaches us something else that’s crucial for our financial lives: contentment. The writer encourages us to enjoy our work, to appreciate what we have, and to find joy in the simple gifts of life. It’s a call to be present, to stop comparing, and to stop chasing. Whether we’re in a season of plenty or a season of little, contentment helps us stay grounded. It reminds us that peace isn’t found in having more—it’s found in walking with God, where we find lasting peace no matter our financial situation. So, how do we begin to cultivate this perspective? How do we step back and see our finances in light of God’s larger story? Start by asking some honest questions: “What truly matters to me?” “What do I want my financial legacy to be?” “How can I reflect God’s values in how I manage His money?”When you pause to reflect, you begin to see money not as the end goal, but...

English statesman Francis Bacon once wrote, “Money is a great servant but a bad master.” If we don’t learn to manage money wisely to take control of it, it will soon master us. It’s one way or the other. Today, Bob Lotich tells us how to be the master and not the servant when it comes to money—and he makes it pretty clear, as well. Bob Lotich is a high-performance financial coach and Certified Educator in Personal Finance (CEPF®) and has been named a top-20 influencer in personal finance. His wife, Linda, and their award-winning website, SeedTime.com, as well as the SeedTime Money Podcast, have reached over 50 million people in the past decade. He is also the author of Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact. The Wake-Up Call: A Breakdown Leads to Breakthrough Bob’s story, which began in 2002 when his car broke down while he was on his way to deposit a paycheck, is one that many can relate to. He described how that moment of crisis led to a deep spiritual awakening about finances and stewardship. Unfortunately, the car breaking down prevented him from depositing his paycheck and paying rent on time. Facing the stress of a possible late fee he couldn’t afford, Bob realized that his financial life was on shaky ground. He describes this moment as a "house of cards" that collapsed. In his frustration, Bob prayed for wisdom, and that simple prayer became the catalyst for a profound change. God responded, leading Bob to learn about biblical stewardship and practical financial management. Biblical Wisdom: Earning, Saving, and Giving As Bob delved into the Bible, he came across a quote from John Wesley that changed his financial perspective: "Earn all you can, save all you can, and give all you can." This idea, combined with scriptural truths, inspired him to view money not as a burden but as a tool for good. Bob reflected on passages like: Proverbs 13:11:"Gathering money little by little makes it grow."1 Timothy 6:17-19:Proverbs 22:7:These verses reinforced the idea that managing money well is not about hoarding wealth but using it for God’s purposes. Financial Unity in Marriage Bob also emphasized the power of financial unity in marriage. Once he and his wife Linda aligned their financial goals with biblical principles, their relationship strengthened. They not only eliminated stress but also achieved impressive financial milestones, like paying off their house by the age of 31. Bob’s story reminds us that peace in one’s finances can be a unifying force in marriage, helping couples move forward together more quickly. The Four Keys to Earning More Bob shared four essential principles for increasing earnings in today’s digital age: Operate within God-given gifts and passions:Continue learning and developing your skills:Solve significant problems:Work where demand is high:These principles guide believers to increase their earnings while keeping their hearts focused on God’s kingdom. The Joy of Giving One of the most impactful parts of Bob’s message was his perspective on giving. He and his wife created a "seed account," setting aside money each month specifically for giving. By praying and waiting for opportunities, giving became not just a duty, but a joyful and fun part of their lives. This practice reminds us of the joy Jesus spoke of when He said, "It is more blessed to give than to receive" (Acts 20:35). Enjoying God's Provision Finally, Bob encouraged believers to enjoy the financial blessings God provides. He highlighted the importance of gratitude and appreciating what we have. Whether earning, saving, or giving, we can find joy in every aspect of financial stewardship. Bob’s journey teaches us that financial freedom isn’t about accumulating wealth for ourselves but about managing what God has entrusted to us with wisdom and generosity. We can design a life of eternal impact by earning, saving, giving, and enjoying God’s provision. If you’re looking for...

“We must have some room to breathe. We need freedom to think and permission to heal. Our relationships are being starved to death by velocity.” — Dr. Richard Swenson, The Overload Syndrome In our fast-paced, always-on world, these words ring true. We’re overloaded—physically, emotionally, mentally, and financially. But what if the antidote to our exhaustion isn’t doing more, but doing less? Today, let’s look at rest from a biblical perspective. What Is Margin? Margin is the “room to breathe” that Dr. Swenson describes. It’s the space between our load and our limits, which allows us to pause before we break. Too often, we end the day with nothing left—no time, energy, or money. Then the next day starts…full throttle again. That kind of lifestyle comes at a cost. The Sleep Foundation reports that nearly half of Americans experience trouble sleeping—a third of them get less than seven hours of sleep a night. Chronic sleep deprivation can lead to serious (and expensive) health problems like anxiety, heart disease, and diabetes. It also undermines our relationships and decision-making. The truth? Rest is not a luxury. It’s wisdom. God Created Rest God rested on the seventh day of Creation—not because He needed to, but because His work was complete. He blessed that rest and called it holy (Genesis 2:3). Later, He enshrined the Sabbath in the Ten Commandments (Exodus 20:8-11). Why? Because He knows our tendency to keep pushing ourselves, and He lovingly tells us to stop. As pastor and author Rich Villodas says: “God gives us Sabbath—he gives us rest—as a gift to remind us that our standing in Christ is not based on our works. When we rest, we’re reminded: I’m not producing anything…and God still loves me.” Margin in a Work-Obsessed World Technology allows us to work from anywhere, at any time. But just because we can doesn’t mean we should. Rest gives us the strength and focus to do our work “as unto the Lord” (Colossians 3:23). Working late nights and skipping vacations might seem productive, but over time, they damage what matters most—our health, our relationships, and our spiritual lives. Rest doesn’t mean avoiding work. It means working wisely and worshipfully—and stepping away when it’s time to refuel. The Difference Between Rest and Laziness Now, let’s be clear: Rest is not laziness. Laziness is neglecting what we’re called to do. It violates God’s design for us to work, serve, and create. Paul warned the Thessalonians to “warn those who are idle and disruptive” (1 Thess. 5:14), and added in 2 Thessalonians 3:11 that idleness often masks itself as busyness. Proverbs 31 praises the noble woman who works diligently. Verse 27 says she “does not eat the bread of idleness.” Laziness can show up subtly, like scrolling endlessly or shopping to avoid responsibility. Proverbs 24:30–31 tells of a neglected field, overgrown and crumbling, due to a lack of care. That’s what happens when laziness takes root. But there’s hope. Rest Is a Gift of Grace Whether you’re burned out or stuck in patterns of procrastination, God’s grace meets you where you are. Jesus doesn’t offer a tighter schedule—He offers a lighter burden. “Come to me, all who are weary and burdened,” Jesus says, “and I will give you rest.” (Matthew 11:28) Rest isn’t something you earn. It’s something you receive. So step into the rhythm of grace, not guilt. Your soul—and your stewardship—depends on it. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Overload Syndrome: Learning to Live Within Your Limits by Dr. Richard A. SwensonMargin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives by Dr. Richard A. SwensonSchwab Intelligent PortfoliosBettermentHeart for LebanonWisdom 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:...

We all want the best for our kids, but knowing what’s truly best isn’t always easy. You’ve probably heard it—or said it yourself: “I just want my kids to have what I didn’t.” It sounds noble, but it can sometimes lead to financial trouble. Today, we’ll talk with Dr. Art Rainer about how that mindset can push parents into debt. Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose. 6 Things That Can Lead Loving Parents Into Debt Raising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt. Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them. 1. Trying to Keep Up with the Joneses It’s a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else’s standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means. 2. Falling into the Social Media Comparison Trap Social media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending. 3. Believing Your Kids Need to Have It All From travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don’t believe the lie that your child will fall behind if they don’t do everything. It’s okay to say no, for the sake of your budget and your family’s peace. 4. Prioritizing Career Success Over Character Development There’s nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child’s character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more. 5. Overcompensating for What You Didn’t Have If you lacked certain things growing up, it’s natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn’t always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.” 6. Forgetting the Value of Doing Without Not getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don’t rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes. Loving your children doesn’t mean giving them everything. It means stewarding your finances in a way that honors God and serves your family’s long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a...

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22 When it comes to managing money wisely, many of us could use some help, but how do you know you’ve found the right financial advisor? Today, we’ll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process. 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. How to Find a Financial Advisor Who Aligns With Your Faith Finding a financial advisor can be overwhelming, but it doesn’t have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values. 1. Values Alignment: Do They Share Your Worldview? The most important starting point is finding an advisor whose faith informs their advice. There’s a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens. Key Questions to Ask: What role does faith play in your financial advice?How do you define financial success?You’re listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain. 2. Competency: Are They Qualified to Serve You? Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions. Look for: Key Question to Ask: Can you tell me about clients you’ve served who are in a similar situation to mine?Good advisors won’t name names, but they should be able to share stories of impact that demonstrate how they’ve helped people like you. 3. Process & Compensation: Are They Transparent and Clear? A trustworthy advisor will be open about how they make money and how they work with clients. Key Questions to Ask: Can you explain how you're compensated—fees, commissions, or both—for someone like me?What is your process for creating a financial plan?They should be able to explain their step-by-step approach, timeline, and what you’ll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.” Ready to Find an Advisor? If you’re beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for: You’ll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it’s wise stewardship to evaluate that relationship regularly. When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That’s the kind of advisor worth seeking out. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)U.S. Department of Veterans Affairs (VA.gov)Wisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and...

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security. It’s true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier. Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He’s also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®). A Common Recommendation—But Not a One-Size-Fits-All When it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It’s a vital decision that affects not only your income but also your long-term financial strategy and even your legacy. It’s generally recommended to wait until at least full retirement age (66 or 67), but that doesn’t mean it’s the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique. Six Key Factors to Consider Here are several factors that should guide your decision: 1. Reduction vs. Growth of Benefits Taking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy. 2. Cash Flow Needs If you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses. 3. Charitable Giving Goals Interestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and Longevity Your health and family history play a significant role. If you don’t expect to live well into your 80s or 90s, you might opt to draw earlier. But if you’re healthy and expect a longer life, delaying could offer more value over time. 5. Legacy and Inheritance You can’t leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes. 6. Tax Planning Social Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact. A Bonus Strategy: The “Mulligan” In some cases, there is a lesser-known but potentially powerful option: the withdrawal application. If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo’ it.” You’ll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit. This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal. The Bottom Line There’s no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy. Wise financial planning starts with understanding your options and aligning those choices with your values and calling. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom 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...

In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God’s grace invites us back. He doesn’t lead with condemnation, but with compassion. That truth has everything to do with our financial lives. Yes, God Cares About Money It’s easy to think God isn’t concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God. And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we’re invited to bring those failures to the Lord in repentance. Grace for Financial Failures When we confess our financial sins, we don’t encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them. Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn’t demand this—grace compelled it. Zacchaeus didn’t earn salvation by generosity; his giving revealed a heart transformed by it. We’re invited to that same transformation. Financial Sins Worth Repenting Of You might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on: 1. Forgetting God Owns It All We are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we’ve earned instead of worshiping the One who provides. 2. Dishonesty in Financial Dealings Cutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord’s sight but also in the sight of man.” 3. Withholding Generosity Proverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God. 4. Neglecting Diligent Work Work isn’t a punishment—it’s a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God’s purposes. 5. Living Beyond Our Means Chronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God’s provision. 6. Coveting Others’ Wealth Envy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have. Repentance That Leads to Restoration If any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He’s asking for surrender. When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom. So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God’s kindness might be calling you back in your financial life. Ask Him to search your heart. Repent of anything that’s not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness. And that, friend, is true freedom. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent PortfoliosBettermentSound Mind Investing (SMI)Wisdom Over...

They say that crisis reveals character, and for a brief moment, the pandemic revealed surprising financial resilience. Many Americans experienced a rare financial reset during that season, as savings rose and debt declined. But five years later, much of that progress has unraveled. Dr. Shane Enete joins us to unpack what changed—and how believers can respond faithfully in a culture gripped by renewed financial anxiety. Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy. The Unexpected Silver Lining of the Pandemic When the COVID-19 pandemic brought life to a standstill, something surprising happened with our money. Instead of overspending, many Americans buckled down. Research from the Federal Reserve Bank of Boston and the U.S. Government Accountability Office showed that people used pandemic stimulus checks to reduce credit card balances and cut spending. Simultaneously, emergency fund levels rose to 20-year highs. With fewer opportunities to spend and greater economic vulnerability, people embraced margin, paid down debt, and began saving like never before. It was a rare moment of collective financial wisdom. The Return to Old Habits But that moment didn’t last. Fast-forward to today, and the picture looks far less encouraging. Credit card debt has now surpassed $1 trillion, and six in ten Americans are uncomfortable with their emergency savings, up from just 37% before the pandemic. The decline in financial well-being is measurable. According to the CFPB’s 2024 Making Ends Meet survey, the average financial well-being score dropped from 55 to 49. This score reflects how confident households feel about meeting basic expenses, like paying bills and putting food on the table. Even more concerning: over one in three Americans now carry more credit card debt than they have saved. And 42% say they couldn’t go even one month without income before falling behind. Why It Matters for Christians So, what’s going on? Why the backslide? The answer lies not just in behavior but also in belief. Fear takes over when Jesus isn’t present in our financial decisions. We start believing that we have to carry the full weight of financial responsibility. But Scripture reminds us that we have a good Father and a faithful Shepherd who provides for His children. As believers, we’re called to live differently—to manage God’s resources with wisdom, margin, and generosity. This begins with a mindset shift from ownership to stewardship. Many people dread the word “budget”, but we should really see this through a new lens. If budgeting is about tracking God’s provision—your daily bread, your shelter, your gas money—then it becomes an act of gratitude. It’s a moment to declare God’s goodness.” By embracing this spiritual practice, we open a line of communication with the Lord about our finances. Budgeting isn’t just math. It’s discipleship. Your Next Step Toward Stewardship Where do you begin if you want to live this way? Start simple and track your spending. Shine a light on your habits without judgment. What you illuminate can be transformed. Ephesians 5:13 says, “But everything exposed by the light becomes visible—and everything that is illuminated becomes a light.” Using tools like the FaithFi app can help you begin this journey. And remember, you don’t have to walk it alone. Living within your means, avoiding debt, and giving generously stand out in a culture of consumption. They testify to the Spirit’s work in our lives, especially the fruit of self-control. When believers manage money wisely, they display a beautiful trait of the Holy Spirit. They model a life that’s free, sustainable, and others-focused—the kind of financial light the world desperately needs. To read Dr. Enete’s full article in the latest issue of our quarterly magazine,...

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17 As believers, we’re called to defend the powerless and stand up for those who can’t stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization’s board of directors. A Hidden Crisis for Girls in Lebanon While global headlines often focus on Lebanon’s war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence. In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through. Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They’re helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King. One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her. You Can Help Right Now When girls discover their God-given dignity and worth, it changes everything. The gospel doesn’t just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal. As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus. When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn’t just bless others—it deepens our trust in God and draws us closer to Him. That’s the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we’re trusting God to help us reach 500 girls and young women in Lebanon with protection and hope. Join us in this life-saving mission. To give: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let’s be faithful stewards together. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.” — Luke 12:15 In an age of instant gratification, getting what we want has never been easier, even if we can’t afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they’re quietly reshaping our relationship with money, debt, and even contentment. Let’s explore how these programs work, why they’re spiritually and financially dangerous, and how Scripture invites us into a better way. What Is Buy Now, Pay Later? Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues. Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating. BNPL makes it seem like you’re not going into debt, but that’s exactly what’s happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments. A $60 DoorDash meal split into four $15 payments doesn’t seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest. Scripture’s Warnings About Debt The Bible doesn’t shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn’t just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion. In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending. Why are we tempted to buy now and pay later? Often, it’s not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.” True contentment doesn’t come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight. A Better Way: Practical and Spiritual Wisdom So, how do we resist the pull of BNPL and grow in godly contentment? Practically: Build margin.Budget for “wants.”Set spending limits.Spiritually: Examine your heart.Pursue contentment.Practice gratitude.Freedom to Live Generously Saying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that’s far better than four easy payments. So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan? Wise stewardship begins with contentment, and contentment begins with Christ. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian 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 most days at (800) 525-7000. Faith & Finance is also...

"So teach us to number our days, that we may get a heart of wisdom." - Psalm 90:12 If you're a few years from retirement and your savings aren’t quite where you want them, you might feel like you've run out of time. But maybe you don’t need a time machine to solve the problem. Today, Matt Bell joins us with some encouraging words about beefing up retirement savings. Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Surprising Power of Working a Little Longer In 2018, a Stanford study called The Power of Working Longer made a compelling discovery: delaying retirement by just three to six months can have the same impact on retirement readiness as saving an additional 1% of income every year for 30 years. Yes, really. This is largely due to two factors: Higher Social Security Benefits – Better Annuity Rates –But there’s a caveat: the study is based on specific assumptions that may not match your financial situation. What the Study Assumes—and Why It Matters The Stanford study uses a fictional worker named “John” who: In reality, your income, savings rate, Social Security timing, and withdrawal strategy may differ widely. Not to mention, indexed annuities like the one in the study are no longer widely available. So while the study provides encouragement, its specifics shouldn’t be universally applied. If you can delay claiming Social Security, it can significantly boost your lifelong income. For example, waiting until age 70 instead of 66 could result in a monthly check that’s 24% higher. You’d need to live roughly 12 more years to “break even,” but many retirees today are living well into their 80s and beyond. Social Security is essentially a government-backed, inflation-adjusted annuity, making it a powerful foundation for retirement income. More Benefits to Working Longer Beyond Social Security, staying employed offers additional financial and emotional perks: More Contributions –Shorter Retirement Span –Health & Community –Working longer isn’t just a financial decision—it impacts your time, relationships, and expectations. If you’ve long looked forward to travel, family time, or volunteering, extending your career might feel like a loss. That’s why it’s essential to consider both the math and the meaning. Couples should prayerfully approach retirement planning together. Decisions about timing affect both spouses, especially when only one is working. Unequal expectations can lead to tension, so it's essential to: This is one of the most crucial decisions you’ll make as a couple. How Much Do You Really Need? You may have heard that you need 70–80% of your pre-retirement income. That’s a good rule of thumb, but it’s far better to run the numbers yourself. Some costs (like commuting or saving for retirement) may go down. Others (like healthcare or travel) may go up. The best approach? Create a post-retirement budget based on your unique goals and lifestyle. If you're behind on retirement savings, don’t panic—and don’t go it alone. Tools on the Social Security website can help you run scenarios based on your age and income. Brokerages like Fidelity or Schwab offer annuity estimators. Most importantly, seek wise counsel and pray through your decisions with your spouse. If you’d like to read the full article from Sound Mind Investing that we discussed during this episode, read Matt’s article titled Retirement Preparedness—What a Difference a Little Time Can Make at SoundMindInvesting.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingRetirement Preparedness — What a Difference a Little Time Can Make by Matt Bell (Sound Mind Investing Article)Social Security Administration (SSA.gov)ECFACharity NavigatorMinistry WatchFidelityCharles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day...

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’” - Matthew 25:40 Some exciting things are happening that will give you more ways to help “the least of these” in God’s Kingdom. Brian Holtz joins us today with details about how we can all have the greatest impact in helping those in need. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children. A Call to Reach the Margins When it comes to helping families in financial crisis, good intentions aren’t always enough. Real transformation requires more than quick fixes—it takes relationships, discipleship, and time. That’s the heart behind Making Ends Meet, a small group video study from Compass Financial Ministry designed to equip churches and communities to walk with struggling families toward lasting financial health. Most financial ministries have historically focused on middle—and upper-income families, but Compass felt God pushing them to address those with no financial margin at all—those who aren’t just managing poorly but truly don’t have enough income to meet basic needs. In response, Compass partnered with ministries that specialize in serving low-income families to learn the unique challenges these households face, many of which go far beyond budgeting. Why Money Alone Isn’t Enough Simply giving money doesn’t create lasting change. It may provide short-term relief, but study after study shows that injecting money into poverty doesn’t solve the deeper problem. That’s not a reason to stop giving—it’s a reason to start giving differently. Jesus didn’t just heal people and walk away. He invited them to follow Him. That’s the model we need to follow—combining financial help with relational investment. When someone is experiencing financial hardship, it’s often not just a matter of dollars and cents—it’s about identity, family history, and deeply ingrained beliefs. That’s why true transformation requires more than a checkbook; it requires presence. When we invest relationally, we gain credibility. That allows us to speak into someone’s life in a way that supports their heart and habits. Understanding the Emotional Barriers One of the surprising lessons Compass learned during the development of Making Ends Meet is how emotional the journey out of poverty can be. Many poor communities are deeply interdependent. They share what they have and support each other in powerful ways, like the early church in Acts. But when someone begins to move toward financial stability, it can create fear: Will I lose my community if I start to thrive? Will I be accepted if I have more than those around me? This anxiety can be paralyzing, which is why patience and prayer are so critical. These are generational challenges. They won’t be overcome overnight, but change is possible with consistent love and support. Learn More and Get Involved The beauty of Making Ends Meet is its simplicity. You don’t need to be a financial expert to use it. If you care about people and are willing to walk with them, the study provides a step-by-step framework to break cycles of poverty and help families build a new mindset. This is for anyone already serving in their community through their church, a shelter, or a mentoring ministry. Compass provides the tools to make that investment more effective. To explore how you or your church can use Making Ends Meet, visit CompassFinancialMinistry.org. Whether you’re looking to lead a group or come alongside a struggling neighbor, this resource is designed to equip you to serve with compassion and wisdom. Helping others financially isn’t just about generosity—it’s about discipleship. When we combine truth, love, and time, God can do amazing things. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become...

What would you do if you found something so valuable, so life-altering, that you gladly gave up everything else just to have it? That’s the image Jesus gives us in Matthew 13—two brief parables, one powerful message. They remind us of a truth that can reframe not just our faith, but our finances, especially in uncertain times. In Matthew 13:44–46, Jesus says: “The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field.” “Again, the kingdom of heaven is like a merchant in search of fine pearls, who, on finding one pearl of great value, went and sold all that he had and bought it.” In both parables, something of immense value is found, and the response is total surrender. But not begrudgingly. Not in fear. In joy. That joy is everything. It’s the natural overflow of discovering something so worthy, so beautiful, so eternally good that it reorders your entire life. All other pursuits fade in comparison. But What About When Life Feels Like a Storm? Let’s be honest—most days don’t feel like we’ve just struck eternal treasure. In today’s economy, with interest rates up, inflation lingering, and layoffs still in the news, you might feel like you’re just trying to stay afloat. You’re not alone if you’re grasping for security, calculating risks, or losing sleep over your monthly expenses. But here’s the good news: even in uncertain times, Jesus extends the same invitation. He’s saying there is something more valuable than everything you own. And that something is someone—Him. When Christ Is Your Treasure, Money Loses Its Grip When Jesus becomes your treasure, money loses its power to control you. You’re no longer tethered to the markets, to your salary, or to your fears. Your peace isn’t tied to your portfolio—it’s anchored in God’s unshakable Kingdom. That’s what Paul discovered in Philippians 3:7–8: “Whatever gain I had, I counted as loss for the sake of Christ. Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.” Paul had status and influence, but he gave it all up when he found the true treasure in Christ. We see this again in the Macedonian believers in 2 Corinthians 8. Even in deep poverty, they gave with joy—not because they had extra, but because they understood Christ's surpassing worth. They didn’t view giving as a loss but as a gain. The Paradox of the Kingdom: Loss Becomes Gain Here’s the paradox: when you release your grip on material things, you make room to take hold of eternal things. Stewardship becomes joyful. Giving becomes worship. And peace begins to replace pressure. But let’s not pretend it’s always easy. Sometimes, the treasure feels far away. The joy is buried beneath fear. The anxiety drowns out trust. Jesus anticipated this, too. In Matthew 10:29–31, He says: “Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father... Fear not, therefore; you are of more value than many sparrows.” God sees you. He knows your needs. And His care for you isn’t based on your net worth, but your infinite worth to Him. A Resource for Your Journey: Look at the Sparrows That’s the heartbeat behind our 21-day devotional, Look at the Sparrows. Created by our team at FaithFi, this devotional helps center your heart on God’s promises, His presence, and His provision. Because when you’re standing in a storm, you need more than a budget—you need a Savior. And He’s not far off. As Jeremiah 29:13 promises: “You will seek me and find me, when you seek me with all your heart.” When Jesus is your treasure, everything changes. You steward your money with open hands, not clenched fists. You invest in what truly matters. You trade the stress of accumulation for the peace of contentment. And yes, joy returns. So if your heart is anxious today, remember the man who bought the field. Remember the merchant who found the pearl....

Proverbs 4:26 reminds us, “Give careful thought to the paths for your feet and be steadfast in all your ways.” That’s a call to intentional living—choosing wisdom over impulse, especially in how we manage our money. We often emphasize that budgeting isn’t just about numbers—it’s about aligning your resources with God’s purposes. Matt Bell, a trusted voice in biblical finance, recently wrote about the contrast between cultural and Christian approaches to budgeting. He notes that culture gives your money a script: “Make $80,000 a year. Then move into this neighborhood, drive that car, wear these clothes, eat in these restaurants, and take these vacations. Then you can give.” In this model, spending comes first and usually leads to debt. If we're lucky, we might save or give with what’s left. The result? Financial stress, shrinking savings, and a fading sense of contentment. Budgeting as a Sacred Trust But what if budgeting isn’t just a spending plan—it’s a sacred trust? Deuteronomy 8:18 says, “You shall remember the Lord your God, for it is He who gives you power to get wealth.” Your income is a gift and a responsibility. Imagine God saying: “I’m entrusting you with $80,000 this year. Use it to reflect My love—meet needs, fund ministry, invest in My Kingdom. Save wisely. Enjoy what I’ve provided.” This echoes 1 Timothy 6:17, which reminds us that God “richly provides us with everything to enjoy.” With a biblical framework, our financial decisions flip the cultural script: Paul David Tripp puts it this way: “God calls us to stop starting with ourselves and hoping there’s money left over for him. Instead, the call is to willingly and joyfully accept that our money’s primary purpose is to fund a kingdom of generosity… and then trust that God will provide what we need.” Jesus warned in Matthew 7:26–27 that anyone who builds their life on shifting sand—hearing His words but not doing them—will find their house collapsing in the storm. A budget based on biblical principles isn’t just practical—it’s foundational. It anchors our financial lives to the truth of God’s Word. A Partner for Kingdom Stewardship If you're ready to build your finances on that foundation, it helps to partner with others who share your values. That’s why we’re grateful for Christian Community Credit Union (CCCU). More than a bank, CCCU is a financial institution with a Kingdom mission. They offer everything you’d expect—checking, savings, loans, mortgages—but they also invest your deposits in ministries that serve the Gospel worldwide. Every dollar becomes a tool for transformation. If you’re seeking a trusted financial partner that aligns with your faith and fuels your impact, learn more at JoinChristianCommunity.com. Budgeting isn’t about restriction—it’s about worship. It’s about saying, “Lord, everything I have is from You and for You.” When we carefully consider our financial paths, we begin to experience the freedom, peace, and joy of Kingdom stewardship. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Christian 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…” - Proverbs 27:23-24 These days, our “flocks and herds” often look like stocks and mutual funds, not sheep and cattle. But the call to wise stewardship remains. One way we do that is through proxy voting. Jerry Bowyer joins us to explain how and why it matters. Jerry Bowyer is the President of Bowyer Research and our Resident Economist here at Faith & Finance. He is the author of The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics. What Is Proxy Voting? Proxy voting is similar to civic voting. As a citizen, you vote in elections, attend town halls, and even influence legislation. As a shareholder in a company, if you own the stock directly, you have similar rights: to vote on proposals, ask questions, and even submit resolutions. But if you're invested through mutual funds or ETFs, you hand that vote over to someone else—often a fund manager or institution. And unless you know how they’re voting, your values may not be represented at all. Many Christian ministries, nonprofits, and even pro-life organizations are unknowingly voting against their own missions. Why? Because they either don’t engage in proxy voting or delegate it without vetting the recipient’s values. How Can Investors Reclaim Their Voice? Proxy statements are often long, complex, and written in confusing legal language. For that reason, many advisors default to saying, “Just let the client decide,” rather than helping them engage meaningfully. Of course, that’s not a good sign because if it’s too complex for the advisor, it’s definitely too complex for the client. Instead, we encourage advisors and Christian investors to partner with specialists, like Bowyer Research, who can help decode the process and ensure votes reflect biblical values. They offer audits to show investors how they’ve been voting—often to their shock. They’ve never done one where people weren’t stunned by what they saw. Mutual Funds, ETFs, and the Challenge of Indirect Ownership If you're invested through mutual funds or ETFs, you're likely not voting directly. However, that doesn't mean you're powerless. Here are some things to keep in mind: Bowyer Research What You Can Do Today BowyerResearch.comIf you’re an investor, advisor, or leader at a Christian ministry or nonprofit, don’t let your investments work against your mission. Visit BowyerResearch.com to learn how to align your proxy voting with your values. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineBowyer ResearchWisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner. Okay, a bit of levity to start the program today, but you know what’s serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today’s real estate and mortgage trends. 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 Spring Still a Seller’s Market? While spring and summer are still active seasons, seasonality in real estate isn’t what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time. There’s a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days. With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021. Selling a Home? Stand Out With These Tips If you’re on the selling side, you’ll need more than a “For Sale” sign. Here are a few key steps to rise above the noise: Price your home right from day one. Stage your home well. Declutter and simplify.Buying a Home? Here’s How to Prepare Wisely For starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified. This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that’s the other key point—know your budget. Don’t rely solely on what a lender says you qualify for. What About Mortgage Rates in 2025? Many are still waiting for interest rates to drop—but experts say don’t hold your breath. The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note. As inflation eases, mortgage rates may follow, but they’re expected to remain relatively stable for now. If you’re a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineBankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Where your treasure is, there your heart will be also.” — Matthew 6:21 That powerful truth from Jesus captures the heart of FaithFi’s mission and vision. If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission. Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. When Your Peace Rises and Falls with the Market It’s pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people’s emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace. But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7). If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts. Why Our Mission at FaithFi Matters At the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure. In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place. It’s not about giving more, it’s about loving God more. That’s why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren’t surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful. The Daily Struggle: Trusting God or Trusting in Wealth One of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security. The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God’s Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ. Wisdom Over Wealth: What Ecclesiastes Teaches Us This book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they’re meaningless—just vapor, or ‘hevel’ as Ecclesiastes puts it. But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won’t last and start investing in what will. That’s why we’re excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God’s wisdom. You’ll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God’s provision and sovereignty. To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to Finances FaithFi isn’t just about biblical theory—it’s about real-life application. There are several ways we equip people to live out God-honoring stewardship: The FaithFi AppCertified Christian Financial Counselors (CertCFCs)Certified Kingdom Advisors (CKAs) Radio + Podcast Devotionals & StudiesLook at the SparrowsWisdom Over Wealth Faithful Steward MagazineJoin the Movement: Become a FaithFi Partner The best way to support FaithFi's work is to become a FaithFi...

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5 Mother’s Day invites us to reflect on the deep, often quiet influence of a mother’s faith. The Apostle Paul’s words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy. A Mother’s Work: Beyond Measure When we think about the value of moms, it’s usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can’t be priced. But what if we did try to measure the economic value of a mother’s daily work? According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor. Based on these duties, a mother’s annual salary would exceed $185,000—and that’s before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she’s worth every penny. Still, even that figure falls short of her true worth. The value of a mother’s love and faithfulness can’t be calculated. It's personal. It's spiritual. It’s eternal. How Scripture Calls Us to Honor Mothers The Bible doesn’t just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman’s reward: “Her children rise up and call her blessed; her husband also, and he praises her.” Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God’s love in your life. But biblical honor doesn’t end with gratitude. It matures into care, especially as our mothers age. Honoring Through Care: A Biblical Mandate In Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God. In today’s terms, honoring your mother might look like: These acts aren’t just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life. Honoring a Legacy of Faith Whether it’s your biological mom, your wife, a grandmother, or a spiritual mother who’s poured into your life, this Sunday is your opportunity to show them they’re not alone or forgotten. Let her know she’s seen. Let her know she’s loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn’t wasted. It is, in fact, shaping generations and pointing hearts toward Jesus. Because when a mother models faith, she’s not just building a home—she’s shaping eternity. This Mother’s Day, let’s rise up and call her blessed, not just with words, but with actions that honor God and her. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineNational Christian Foundation (NCF)Wisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.