Faith & Finance

Charles Dickens’s A Christmas Carol is a timeless tale cherished for its powerful story of transformation. Yet beneath its heartwarming narrative lies a deeper commentary on economics, generosity, and faith—one that challenges the worldview of scarcity and embraces God’s abundance. Today, Jerry Bowyer will dive into the philosophical and theological themes within the story and help us discover what we can learn from Ebenezer Scrooge’s journey. 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.” The "Surplus Population" Mindset One of the most striking moments in A Christmas Carol is Scrooge’s cold remark about the “surplus population.” This phrase reflects an ideology rooted in the teachings of Reverend Thomas Malthus, an 18th-century economist who believed that population growth would outpace resources, leading to widespread poverty. Malthus advocated for limiting population growth, particularly among the poor. Scrooge’s initial worldview mirrors this philosophy: a belief that resources are scarce, people are a burden, and the poor are expendable. This mindset not only disregards the inherent dignity of every person but also misrepresents the nature of God as generous and abundant. A Christmas Carol: A Response to Malthusianism Dickens wrote A Christmas Carol as a critique of Malthusian ideas. Through Scrooge’s transformation, the story reveals the flaws in a worldview of scarcity. Scrooge begins the story isolated, stingy, and bitter—seeing others as competitors for limited resources. By the end, he embraces generosity, community, and joy, reflecting the biblical truth that humans are created in God’s image to love, create, and give. The Ghost of Christmas Present drives this point home by challenging Scrooge’s cold logic. In one scene, he rebukes Scrooge, asking, “Are you the surplus population?” This moment underscores that no one is surplus in God’s economy. Every person is valuable, created for a purpose, and capable of contributing to human flourishing. The transformation of Scrooge’s mindset from scarcity to abundance aligns with a biblical view of God’s provision. In Genesis 1:28, God commands humanity to “be fruitful and multiply” and to “fill the earth and subdue it.” Far from being burdens, people are creators and contributors, reflecting God’s creative nature. History supports this biblical principle. During Dickens’ time, industrial and economic advancements were lifting many out of poverty. Contrary to Malthus’ predictions, human ingenuity and collaboration were unlocking unprecedented prosperity. Dickens weaves this reality into A Christmas Carol, showing how generosity and a thriving community lead to abundance. Lessons from Scrooge’s Redemption Scrooge’s transformation offers timeless lessons: Embrace Generosity:Value Every Life:“surplus”Challenge Scarcity Thinking:Redeem the Past:The themes of A Christmas Carol remain relevant in our world. Modern ideologies that devalue life, promote fear of overpopulation or prioritize self-interest mirror the Malthusian philosophy Dickens opposed. As believers, we are called to affirm every person's inherent worth and reflect God’s abundant generosity in how we live and give. Just as Scrooge learns, we are not “bugs” competing for limited resources. We are image-bearers of a loving Creator who calls us to steward the earth, care for one another, and trust His provision. As we watch A Christmas Carol or reflect on its message this Christmas season, let’s remember the gospel truth at its heart: God is generous, not stingy. He gave us His Son, Jesus, the ultimate gift of love and redemption. In the words of Tiny Tim, “God bless us, everyone!” May we live out that blessing by embracing generosity, valuing life, and trusting in the abundance of God’s provision. On Today’s Program, Rob Answers Listener...

“And the angel said to them, ‘Fear not, for behold, I bring you good news of great joy that will be for all the people.” - Luke 2:10 As Christians living in a materialistic society…we must remember to celebrate for the right reason…the birth of our Savior. Howard Dayton joins us to talk about that. Howard Dayton is the founder of Compass Financial Ministry and the former host of this program. He is also the author of several books on Christian Finance and Stewardship. The True Reason for the Season: A Savior Is Born As Christmas approaches, it’s easy to get caught up in the busyness of the season—gifts, decorations, and endless to-do lists. But amidst all the festivities, it’s important to intentionally focus on the true reason for the season: celebrating the birth of Jesus Christ. At the heart of Christmas is the message of Luke 2:11–14: "For unto you is born this day in the city of David a Savior, who is Christ the Lord." This Scripture serves as a powerful reminder that Christmas is not about the gifts we give or receive but about the gift God gave us in His Son, Jesus. Reflecting on this passage helps us remember the miraculous story of Christ’s birth and its significance for our lives. Create Traditions That Keep Christ at the Center One meaningful way to keep Christ at the center of Christmas is by reading the story of His birth from Luke 2 as a family. Whether it’s on Christmas morning before opening presents or on Christmas Eve, pausing to reflect on this Scripture can anchor your celebrations in the real reason for the season. Consider making it a family tradition where each person takes turns reading a few verses. It’s a simple yet powerful way to instill the truth of the gospel in the hearts of children and remind everyone of God’s love and faithfulness. Christmas is also an opportunity to model and teach generosity. Just as God gave us the greatest gift in Jesus, we are called to give generously to others. Encourage children to share what they have with someone in need. For example, they could give a cherished toy to a child who might not receive any gifts this Christmas. Acts of generosity can create life-changing moments, not only for those who receive but also for those who give. These experiences help cultivate a heart of compassion and gratitude in children and deepen their understanding of what it means to follow Christ. Be Intentional About the Message of Christmas In a culture that often overlooks the true meaning of Christmas, it’s more important than ever to teach children intentionally—and remind ourselves—why we celebrate. Christmas is about honoring Jesus, who left heaven to come to earth, lived a sinless life, and ultimately died for our sins so we could have eternal life. If we are not intentional, we can easily get swept up in the culture’s focus on materialism and miss the priceless opportunity to point ourselves and others back to Christ. At the heart of Christmas is the ultimate act of generosity: God giving His Son for our salvation. This indescribable gift should inspire us to reflect that same spirit of generosity, not just during the holidays but throughout the year. Whether through acts of kindness, sharing resources with those in need, or offering our time to serve others, generosity mirrors the heart of God. Practical Steps for a Christ-Centered Christmas Here are a few ways to ensure your Christmas celebrations keep Christ at the center: Start with Scripture:Practice Gratitude:Model Generosity:Keep It Simple:Christmas is a season of joy, celebration, and hope because of the birth of our Savior, Jesus Christ. By keeping Him at the center of our traditions and celebrations, we can honor the true meaning of the season and create lasting memories that glorify God. This Christmas, let’s remember the ultimate gift of God’s love and share it with others. May your celebrations be filled with the peace and joy that only Christ can bring! If you’d like to learn more about...

Beauty matters to painters, musicians, and photographers, but what does it have to do with investing? The creation account suggests that beauty is also at the core of faithful stewardship and investing. Today, we’ll discuss “Investing in Beautiful” with Jason Myhre of the Eventide Center for Faith & Investing. Jason Myhre is the Executive Director of the Eventide Center for Faith & Investing, an educational initiative of Eventide Asset Management, and an underwriter of Faith & Finance. The Experience of Beauty We all encounter beauty in various forms—an orchestral performance, a mountain hike, a beach stroll, or even a bouquet of flowers at home. However, we seldom consider the role of beauty in our work or finances. Beauty is integral to creation and essential in our stewardship of God’s world. In Genesis, God is depicted as a worker, creating the heavens and the earth and declaring His creation "very good." The Hebrew word for "good" encompasses moral perfection, functional excellence, and surpassing beauty—a concept better captured by the compound word "beauty-good." God, as a master artisan, crafted a world full of potential and delight. Humanity is called to contribute to the beauty and goodness of creation through work. Genesis 2:15 says, “Then the Lord God took the man and put him in the Garden of Eden to cultivate it and tend it.” This passage indicates that humans are to make God's creation even better. God’s creation is full of hidden potential, like seeds, waiting for us to uncover and develop it through our work. Uncovering Creation’s Potential Consider simple examples like bread and wine. God created grain with the potential to become bread and grapes with the potential to become wine. These transformations reveal the hidden potential within creation, brought to fruition through human work. A more sophisticated example relevant today is semiconductors, which are essential for our smart devices and computers. The fundamental material for semiconductors is sand. Kristen Say from Eventide Asset Management aptly describes it: “With semiconductors, we’re taking sand and teaching it to think.” This potential was embedded in creation from the beginning, waiting for us to uncover and develop it. Theologian Craig Bartholomew also offers a powerful analogy: Imagine being a sculptor and receiving a call from Michelangelo asking you to complete a sculpture he started. This mirrors our role in God’s creation: to finish and enhance the work God began, thereby revealing all its hidden beauty and goodness and glorifying God as the ultimate Creator. Applying This Vision to Business and Investing As Christians with a biblical worldview, we must view business and investing through the lens of this divine vision. The Genesis instructions for developing the beauty and goodness of creation still apply to us today. Businesses are called to create products and services that are genuinely good and that truly serve humanity. Investors play a crucial role by supplying the capital that enables and expands the good work of businesses. When contemplating investments, we should ask whether the companies we invest in create goods and services that enhance the world or harm God's creation. Embracing this perspective helps align our investments with our faith, ensuring they contribute positively to God's world. Faith-Based Investing The good news is that the faith-based investing movement is growing. Numerous Christian faith-based investments now help us avoid companies whose products contradict biblical values while supporting those that meet human needs and enhance the world. Understanding and developing the hidden potential in God's creation is a profound aspect of our work and investments. By aligning our investments with Christian values, we honor God and contribute to the ongoing revelation of His creation’s beauty and goodness. To learn more about faith-based investment resources and to find a list of faith-based...

One of my favorite passages in the Bible is found in Luke 12:16-21, the Parable of the Rich Fool. While most of us don’t have barns today, Jesus’ warning about storing up earthly treasures is just as relevant now as it was then. So, what does it mean to be “rich toward God,” and why does it matter? Let’s dive into this powerful lesson. The parable begins with a wealthy man who has a problem many might envy—his land has produced so much that his barns aren’t big enough to store it all. His solution? Tear down the old barns and build bigger ones. He says to himself, “Soul, you have ample goods laid up for many years; relax, eat, drink, be merry” (Luke 12:19). At first glance, this sounds practical, even responsible. But Jesus reveals the man’s tragic mistake. God calls him a “fool” because his life will end that very night, and all his possessions will be left behind. Jesus concludes with a warning: “So is the one who lays up treasure for himself and is not rich toward God” (Luke 12:21). What Does It Mean to Be Rich Toward God? “Rich toward God” is a striking phrase, and while Scripture doesn’t define it explicitly, we can infer its meaning through contrast. The Rich Fool’s mistake wasn’t his wealth but his heart. He prioritized his possessions over God, finding his security and satisfaction in material abundance rather than in his Creator. Being rich toward God means: Acknowledge God as Your SourceTreasure God Above AllUse Wealth for God’s GloryHad the Rich Fool done this, his wealth could have been a tool for eternal good instead of a trap for his soul. The story of the Rich Fool reminds me of A Christmas Carol by Charles Dickens. Like the Rich Fool, Ebenezer Scrooge was consumed by wealth and self-interest. But Scrooge was given a second chance to change—and so are we. Jesus teaches that the way we use money is evidence of our faith. While works don’t save us, they reflect our relationship with God. Holding onto wealth for ourselves reveals a heart that treasures possessions more than the Giver of all good things. Money as a Tool, Not a Treasure It’s important to note that money itself isn’t bad. It’s a powerful tool that can be used for good or bad, depending on how we handle it. The danger lies in letting money take God’s place in our hearts. As Jesus warns in Matthew 6:21, “For where your treasure is, there your heart will be also.” The Rich Fool’s failure wasn’t his wealth but his attitude. Instead of viewing his abundance as a gift from God, he saw it as an opportunity for personal indulgence. Imagine if the Rich Fool had responded differently. What if, instead of building bigger barns, he prayed, “God, this is all Yours. You have made my fields prosper. Show me how to use this blessing to glorify You and help others”? He might have used his wealth to feed the hungry, clothe the poor, or support God’s work. He could have shared in the joy of giving and discovered that, as Jesus said in Acts 20:35, “It is more blessed to give than to receive.” Lessons for Us Today The Parable of the Rich Fool is a sobering reminder to examine our own hearts. Are we building bigger barns, accumulating wealth for our own comfort? Or are we using God’s blessings to invest in eternal treasures? Here’s how we can strive to be rich toward God: Trust in God’s ProvisionGive GenerouslyFocus on EternityThe Rich Fool learned his lesson too late, but we don’t have to. Let’s choose today to prioritize God over possessions and live as wise stewards of His blessings. “It is more blessed to give than to receive.” Let’s not just hear those words—let’s live them. Rich Toward God: FaithFi's Study on the Parable of the Rich Fool If you’d like to combat pride in your life and grow closer to the Lord, purchase our study guide entitled Rich Toward God: A Study on the Parable of the Rich Fool. With the Lord's guidance, FaithFi created it to expand our understanding of His amazing love for us and what it means to follow him with all our...

As Christmas draws near, stories of generosity and the spirit of giving abound. Few stories, however, embody these virtues more powerfully than the life of Saint Nicholas. Behind the modern image of Santa Claus lies the legacy of a man whose life reflected the true meaning of Christmas—selfless love and sacrificial giving. Born around 280 A.D. in Patara, Turkey, Nicholas was raised in a wealthy Christian family. From an early age, he was taught to care for the poor and live out the teachings of Jesus. His parents modeled these values daily, planting seeds of faith and generosity in his heart. Tragedy struck early in Nicholas’ life when an epidemic claimed both of his parents. Left orphaned but with a significant inheritance, Nicholas could have chosen to live in comfort. Instead, he embraced his faith, seeing his wealth as a tool to serve others and spread the love of Christ. The Secret Acts of Kindness Nicholas became known for using his wealth to quietly help those in need. His most famous act of generosity involved a poor man with three daughters who were unable to marry due to their lack of dowries. Without this financial gift, the daughters faced the grim prospect of slavery. Moved by their plight, Nicholas secretly delivered a bag of gold to the family under the cover of night. He repeated this act twice more, ensuring all three daughters had a future free from poverty. When his identity was discovered, Nicholas humbly redirected the thanks to God, embodying Jesus’ teaching in Matthew 6: “When you give to the needy, do not let your left hand know what your right hand is doing.” A Life of Service Nicholas later became the Bishop of Myra, a role that allowed him to extend his mission of compassion and justice. Known for his love for the poor and his courage in defending the innocent, he risked imprisonment during the persecution of Christians and stood firm for the gospel at the Council of Nicaea. His life was defined by Christlike love. Through his actions, he reminded people that true wealth is not found in material possessions but in a personal relationship with God. His kindness pointed others to the greatest gift of all: Jesus Christ, who came to bring salvation and eternal life. After Nicholas’ death on December 6th, 343 A.D., stories of his generosity spread across centuries. He became a symbol of selfless giving and was honored as the protector of children and the patron of sailors. Over time, his legacy inspired the modern figure of Santa Claus. But beyond the red suit and cheerful laughter lies the heart of Saint Nicholas’ story—a life lived to glorify God through love and generosity. The True Meaning of Christmas The story of Saint Nicholas challenges us to reflect on the true meaning of Christmas. His life reminds us that the season isn’t about extravagant gifts or seeking recognition. It’s about embodying the love of Christ—a love that is sacrificial, humble, and freely given. As we exchange presents and celebrate with loved ones, let’s remember that the greatest gift has already been given. Like Saint Nicholas, we can share that gift with others through acts of kindness, generosity, and encouragement. This Christmas, may his story inspire us to give generously, love deeply, and reflect the light of Christ in a world that desperately needs hope. After all, as Jesus said, “It is more blessed to give than to receive.” Let’s celebrate this season by sharing the love that makes Christmas truly special. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: 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...

We sometimes regret the things we say, but often, words left unsaid can bother us just as much. We’ve all had the thought, “Oh, I wish I’d said this or that.” You had more to say, but for whatever reason, time ran out. Sharon Epps has some things to say about unfinished conversations today. Sharon Epps is the President of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles. The Power of Unfinished Conversations The end of the year naturally becomes a season of change. Whether through unexpected interruptions or shifting circumstances, we often find ourselves in the middle of conversations that feel unresolved. These “unfinished” moments can leave us longing for closure or clarity, especially when circumstances prevent us from completing the dialogue. Unfinished conversations can be deeply personal. A sudden change at work, a shift in a relationship, or even an unexpected goodbye can leave us wishing we had said more—expressing gratitude, offering encouragement, or simply saying, “I appreciate you.” Unresolved words can linger in our hearts, creating a sense of loss that extends beyond the situation itself. Reclaiming Conversations and Relationships Some unfinished conversations need to be revisited. Reaching out to express what was left unsaid can bring healing to others and ourselves. Even after the fact, a kind word or a heartfelt message can be a powerful way to rebuild relationships and bring closure to unresolved moments. Sometimes, all it takes is a simple step to bridge the gap. For example, an email or a phone call that begins with, “I didn’t get a chance to tell you this, but…” can make a lasting impact. Thoughtful, intentional communication can transform lingering regrets into meaningful resolutions. When Conversations Can’t Be Reclaimed Of course, not every conversation can be recaptured. Death, distance, or circumstances may make it impossible to say the words we long to say. When faced with these situations, we can take comfort in surrendering those conversations to God. A meaningful practice for releasing unresolved conversations is to journal them as prayers. Writing down the words we wish we could say and giving them to God can bring peace and closure. As we do this, we can trust that God finishes what we cannot. Just as Jesus declared on the cross, “It is finished,” we can rest in knowing He brings completion to even the most challenging parts of our lives. Applying This to Finances Unfinished conversations don’t just affect relationships—they often spill over into how we handle finances. Here are a few examples of financial conversations that can remain unresolved: Avoiding Money Goals:Estate Planning:Family Debt:In these scenarios, it’s important to ask two key questions: Does this conversation need to be recaptured?Does this conversation need to be released?A Challenge for This Season As the holidays bring moments of togetherness and reflection, take time to consider the unfinished conversations in your life—whether relational or financial. Ask God for wisdom to know whether to recapture or release them. This season is a unique opportunity to bring closure where it’s needed and peace where it feels impossible. Trust God to finish what you can’t, and step forward into the new year with a heart that’s open and resolved. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: 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...

British philosopher G.K. Chesterton once said, “I know as much about the future as you do, which is nothing.” Only God knows the future, but that doesn’t mean we shouldn’t plan for it. Mark Biller is here today to help you do that. 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, “Your 10 Most Important Financial Moves for 2025,” which offers over 60 actionable tips across six categories. Let’s dive into some highlights to help you plan your next year's top financial moves. 1. Put First Things First: Aligning Finances with Faith Develop a Financial Plan:“put this money to work until I come back.”Build an Eternity Portfolio:“exponential generosity.”2. Strengthen Your Financial Foundation Create a Workable Budget:“spending plan”Spend Less, Save More:3. Develop Your Investing Plan Create a Long-Term Investing Strategy:Stay Informed About Trends:4. Broaden Your Portfolio Expand Your Knowledge:5. Prepare for Retirement Plan for Social Security:Understand Medicare Coverage:Christian Healthcare Ministries6. Miscellaneous Must-Dos Start Your Kids on Investing:Review Estate Plans:Protect Against Tax Identity Theft:Bonus Tips for 2025 Treasure Each Day:Deepen Your Prayer Life:Manage Finances as a Team:As 2025 approaches, remember that your financial success hinges more on your choices than external circumstances. Faithful stewardship not only secures your financial future but also aligns your resources with God’s purposes. May you aim to hear these words in Matthew 25:21: “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!” For the complete list of financial moves and additional resources, visit SoundMindInvesting.org. By following these principles, you can make 2025 a year of financial health and faithfulness. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMoney and Marriage God's Way by Howard DaytonMovement MortgageLook 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.

From Genesis to Revelation, generosity is a resounding theme in the Bible. The ultimate example of this is captured in Romans 6:23: “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” As children of a generous God, Christians are called to reflect His generosity in their lives. Let’s explore the biblical foundation of generosity, its spiritual significance, and some timeless wisdom from godly leaders to inspire you on your journey. The Biblical Foundation of Generosity The Bible paints a vivid picture of what it means to live generously: Sharing What We Have:“Whoever has two tunics is to share with him who has none, and whoever has food is to do likewise”Giving Cheerfully:“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”Reflecting God’s Character:Generosity is a response to God’s abundant grace flowing from a heart transformed by His love. Wisdom on Generosity: 10 Timeless Quotes Throughout history, men and women of faith have offered profound insights into the spiritual significance of generosity. Here are ten inspiring quotes to challenge and encourage you: 1. C.S. Lewis “I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare.” 2. John Wesley “Do all the good you can, by all the means you can, in all the ways you can, in all the places you can, at all the times you can, to all the people you can, as long as ever you can.” 3. A.W. Tozer “Any temporal possession can be turned into everlasting wealth…Whatever is given to Christ is immediately touched with immortality.” 4. Billy Graham “Tell me what you think about money, and I will tell you what you think about God, for these two are closely related. A man’s heart is closer to his wallet than anything else.” 5. Chip Ingram “Giving is an action; generosity is a matter of the heart. You can give and not be generous, but you can’t be generous without giving.” 6. Randy Alcorn “Giving affirms Christ’s lordship. It dethrones me and exalts Him.” 7. Saint Augustine of Hippo “Charity is a virtue which…when our affections are perfectly ordered…unites us to God…for by it we love Him.” 8. Amy Carmichael “You can give without loving, but you cannot love without giving.” 9. J.I. Packer “The measure of all love is its giving. The measure of the love of God is the cross of Christ.” 10. Jesus Christ “Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you” (Luke 6:38). Living Generously: A Call to Action Generosity is not just about sharing wealth—it’s about trusting God to meet our needs as we meet the needs of others. It’s an act of worship and a reflection of God’s love in our lives. We give because God first gave to us—our life, salvation, and every blessing we enjoy. Let these biblical truths and timeless quotes inspire you to live generously, not out of obligation but from a heart filled with gratitude. May your generosity glorify God and bless others, transforming ordinary possessions into eternal treasures. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMoney and Marriage God's Way by Howard DaytonMovement MortgageLook 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.

They say that money is a good servant but a terrible master—especially when it comes to debt. Surveys show that taking on debt ranks near the top of the list of financial regrets. Debt can make profound changes in your life and have spiritual consequences. Sharon Epps joins us to talk about that today. Sharon Epps is the President of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles. Four Key Uses of Money: Live, Give, Owe, and Grow Many of us face the challenge of managing debt, but approaching it with biblical principles can transform the way we handle our finances. To help simplify money management, we can divide our finances into four categories: Live, Give, Owe, and Grow. These categories are like slices of a pie. Since the pie is limited, enlarging one slice means another must shrink. This analogy helps us view money as a finite resource that requires intentional stewardship. Today, we’ll focus on the "Owe" slice—debt—and explore biblical principles related to it. What Does the Bible Say About Debt? Contrary to popular belief, the Bible does not say that borrowing money is inherently sinful. However, debt is described as enslaving and can negatively impact relationships and decision-making. Proverbs 22:7 warns, “The rich rule over the poor, and the borrower is slave to the lender.” While debt isn’t labeled evil, its consequences make it something to approach cautiously. Biblical Principles for Handling Debt Sharon highlighted three key principles to guide believers in managing debt: 1. Repay What You Borrow Psalm 37:21 teaches, “The wicked borrow and do not repay, but the righteous give generously.” This verse underscores the importance of integrity in financial commitments. Paying back what we owe reflects God’s righteousness in our lives. 2. Free Yourself from Debt Quickly Proverbs 22:7 reminds us of the dangers of debt, urging us to escape its grip as soon as possible. Carrying debt limits our freedom and creates unnecessary burdens. 3. Serve God, Not Money Jesus’ words in Matthew 6:24—“No one can serve two masters”—remind us that our ultimate allegiance should be to God. Debt can become a competing “master” if we’re not careful, dictating our decisions and priorities. Practical Steps for Tackling Debt If you’re struggling with debt, here are three actionable steps Sharon recommends: 1. Pray Begin by committing your financial challenges to God. Align your heart with His will and ask for His guidance and provision. 2. Save Money It might seem counterintuitive to focus on debt, but it’s essential to build an emergency fund—at least $1,000. This "debt insurance" prevents you from falling back into debt when unexpected expenses arise. 3. Pay Off Consumer Debt First Prioritize paying off credit card and consumer debt. If you feel overwhelmed, seek help from organizations like Christian Credit Counselors, who can help you lower interest rates and accelerate debt repayment. Their debt management programs can help you pay off debt up to 80% faster by reducing interest rates. Visit Christian Credit Counselors to learn more. Managing debt wisely is about more than just financial health; it’s about aligning our lives with God’s principles. By following biblical guidance, we can experience the freedom to live, give, and serve as God intended. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Charles SchwabFidelityBettermentAcornsStashChristian 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 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...

India has one of the world’s fastest-growing economies. It’s also a world leader in…human trafficking. Human trafficking is a problem in many countries around the world, but perhaps nowhere more than in India. David Harms is here today to share some hope-filled stories about an organization that’s changing the lives of young women and children in India. David Harms has devoted nearly a decade of ministry to the work of India Partners, an underwriter of Faith & Finance. With over 35 years of experience in rescuing victims of human trafficking, India Partners continues to make a profound impact on the lives of the most vulnerable. The Human Trafficking Epidemic in India India is home to one of the world's fastest-growing economies, but it also faces a devastating crisis—human trafficking. Millions of underage girls are trafficked and sold, often tricked into exploitative situations under the guise of finding work. In the red light districts of Mumbai alone, an estimated 200,000 to 300,000 underage girls are trapped in this horrific trade. Amidst this darkness, the nonprofit organization India Partners is working tirelessly to rescue these young women and children. Their social workers, described as "missionaries," venture into the red-light districts daily to befriend the girls and show them a way out. Once rescued, the girls are brought to India Partners' safe houses, where the true work of transformation begins. In the safe houses, the girls receive trauma counseling, participate in daily devotions, and immerse themselves in Scripture. This holistic approach, combining time and the gospel, is crucial for their healing and restoration. As the girls come to know Jesus, they experience the deep healing that only He can provide after the unimaginable abuse they've endured. Ongoing Challenges and Financial Needs While India Partners' work is bringing hope and restoration, it is not without its challenges. The team faces spiritual warfare and persecution as they continue to lift up the name of Jesus. There is also a pressing financial need to expand their safe house operations and provide long-term care for the girls they rescue. By partnering with India Partners, you can be a part of this life-changing work. Your financial support can underwrite the care of one girl for as little as $8.89 per day, providing her with private Christian schooling, medical attention, trauma counseling, and more. Join us in praying for the protection and strength of the India Partners team, and consider how you can contribute to rescuing and restoring these precious lives. To learn more about how you can partner with this incredible organization, go to IndiaPartners.org/Faith. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: India PartnersLook 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.

“And there were in the same country shepherds abiding in the field, keeping watch over their flock by night. And, lo, the angel of the Lord came upon them, and the glory of the Lord shone round about them: and they were sore afraid.” - Luke 2:8-14 That’s from the Christmas Story in Luke, Chapter 2. The angels announce the coming of the Savior to a group of shepherds. It sounds simple enough…but there’s more to the story. Jerry Bowyer joins us to talk about it. 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.” You can also read his insightful columns for World News Group. Why Shepherds? When the angels announced Jesus’ birth, their audience wasn’t kings or scholars but shepherds. Often portrayed as social outcasts historically, shepherds were viewed negatively because their flocks could wander onto others’ property, leading to accusations of theft. Despite this reputation, shepherds played a crucial role in the temple system, raising sheep for sacrifices. Bethlehem, where Jesus was born, was a hub for breeding sacrificial lambs. Archaeological evidence supports this, highlighting structures like the Migdal Eder (Tower of the Flock), where unblemished lambs were identified for temple sacrifices. This foreshadows Jesus’ role as the ultimate Lamb of God, born in the city that prepared lambs for sacrifice. Mary’s Economic Philosophy Mary’s Magnificat (Luke 1:46-55) reveals her economic worldview. In this poetic expression of praise, she celebrates God’s justice: the rich are sent away empty, and the poor are filled. These are the socio-economic dynamics at play when Mary visits Elizabeth in Judea, a wealthier and more hierarchical society compared to Galilee. Elizabeth’s high status contrasts with Mary’s humility, yet Elizabeth honors Mary, signaling a reversal of societal norms. Interestingly, Mary’s upbringing near Sephoris, the financial capital of Galilee, likely exposed her to sophisticated cultural and economic ideas. This blend of humility and intellect influenced her son, Jesus, whose teachings often echoed themes from her Magnificat. Herod’s Fear and the Temple System The birth of Jesus didn’t just bring joy; it also struck fear into the hearts of the ruling class, especially King Herod. He and the temple elites understood the revolutionary implications of Jesus’ arrival. The Messiah’s mission to bring justice threatened their corrupt economic system, which exploited the poor through practices like unfair money-changing in the temple. Herod’s fear highlights the broader conflict between two kingdoms: one driven by greed and oppression and the other by justice and generosity. This tension culminates in Jesus’ cleansing of the temple, an act that symbolized the dismantling of a corrupt economic system. The Magi and the Two Temples The gifts of the Magi—gold, frankincense, and myrrh—mirror offerings described in the Torah for the temple. The gospels contrast two “temples”: the physical temple, corrupted by greed, and Jesus himself, the true temple who provides for the needy. This theme of “the Maker versus the Takers” runs throughout the gospels, illustrating the stark difference between God’s economy and human systems of exploitation. Economics in God’s Plan The Nativity story profoundly reminds us that God’s master plan includes economics. From shepherds to Mary’s Magnificat and from Herod’s fear to the Magi’s gifts, every detail points to God’s concern for justice, generosity, and the redemption of all aspects of life—including money. This Christmas, as you reflect on the birth of Christ, consider how God’s kingdom calls us to live with integrity, humility, and a heart for justice in every area of life. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: The Maker Versus the Takers: What Jesus Really Said About Social...

Have you started working on your New Year’s resolutions yet? Are you including your investing decisions in the mix? A New Year always gives you the chance to make improvements, especially with finances. Cole Pearson is here today to talk about starting 2025 strong with values-based investing. 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 Values-Based Investing? Values-based investing is the practice of deploying financial resources in a way that aligns with a set of values or convictions, with the expectation of generating a profit. At OneAscent, values not only inspire why we invest but also guide how we invest. For Christians, this perspective is rooted in Psalm 24:1, which states, “The earth is the Lord’s and the fullness thereof.” As stewards of God’s creation, Christians have a responsibility to consider the impact of their investments. Businesses have a powerful influence on the world, and as investors, we should discern whether the companies we support bring harm or blessing to the people and places they touch. Five Steps for Values-Based Investing Here are five essential steps Christians should consider when making investment decisions. These steps provide a framework for aligning finances with faith and values. 1. Milestones: Understanding Your Financial Life The first step is identifying what’s happening in your financial life today. Life events—such as marriage, career changes, health issues, or asset purchases—impact your finances and should inform your planning. OneAscent offers a checklist covering key areas like: Clarifying your milestones ensures that your financial decisions are relevant and purposeful. 2. Perspectives: Understanding Your Relationship with Money Everyday interactions with money—spending, saving, investing, and giving—reveal our natural tendencies. Understanding how God has wired us to relate to money helps foster healthy communication, especially in relationships. For example, your natural tendencies may lean toward saving and investing, while your spouse may lean toward spending and giving. Recognizing these perspectives provides a common language for dialogue and collaboration, setting the stage for the next step. 3. Priorities: Identifying What Matters Most It’s essential to define and prioritize your financial goals. OneAscent uses a fun assessment to help individuals and families identify their top priorities, such as: For families, both spouses complete the assessment individually before working together to identify shared priorities. This clarity creates a strong foundation for future financial decisions. 4. Values: Ensuring Your Portfolio Aligns with Your Beliefs Step four focuses on aligning investments with your values. This means identifying companies to avoid if their practices or products cause harm and seeking opportunities to invest in businesses that bless the communities they serve. We are going to be investing somewhere. What types of companies do we want to own? How can we leverage our capital to promote a positive impact? OneAscent’s tools can help you analyze and align your portfolio with your values. 5. Generosity: Reflecting God’s Character Generosity is the natural outcome of faithful stewardship. It allows us to reflect God’s generosity by using our resources to address needs and solve problems that God has placed on our hearts. Here are some thought-provoking questions to ask yourself as you reflect on this: A Call to Align Your Investments Values-based investing is more than a financial strategy; it’s a way to live out your faith. By following these five steps—Milestones, Perspectives, Priorities, Values, and Generosity—you can ensure your financial decisions honor God and bless others. For more information on values-based investing, visit OneAscent.com and click...

Hey, open enrollment ends in just a few days—have you decided on a new health insurance plan yet? If not, you might not have to. What if there was another way—a biblical solution for meeting your healthcare costs? Let’s explore medical cost sharing, a faith-based alternative to traditional health insurance that could save you hundreds of dollars a month. What Is Medical Cost Sharing? Medical cost sharing is a cooperative approach to healthcare expenses rooted in biblical principles. It’s an alternative to traditional health insurance in which members share each other's medical costs. The concept is inspired by Galatians 6:2, “Bear one another's burdens, and so fulfill the law of Christ.” One of the pioneers in this space is Christian Healthcare Ministries (CHM), the oldest organization in the medical cost-sharing space. Since 1981, CHM has enabled members to share nearly $11 billion in medical expenses. It’s a nonprofit organization that operates on biblical stewardship, focusing on members’ needs rather than profits. How Does Medical Cost Sharing Work? Instead of paying insurance premiums, members contribute a monthly share amount based on the plan they choose. This amount is typically much lower than traditional insurance premiums. Here’s why: Self-Pay Model:Reimbursement System:For example, under CHM’s Bronze plan, the highest annual personal responsibility cost is $6,000 per person—a potentially lower-cost option compared to the high deductibles and out-of-pocket maximums of many insurance plans in the Affordable Care Act (ACA) Marketplace. Key Advantages of Medical Cost-Sharing 1. Cost Savings CHM’s nonprofit model focuses on its members rather than shareholders, allowing more resources to be allocated toward medical needs. This often makes it a more affordable option compared to traditional health insurance. 2. Freedom of Choice Unlike traditional insurance, which often restricts members to a network of providers, medical cost-sharing has no networks. Members can visit any doctor or facility of their choice, and if the service is covered, they’ll be reimbursed. 3. Portability Medical cost sharing is portable, meaning your membership stays with you regardless of job changes or life transitions. Whether you’re starting your own business or switching careers, you don’t lose coverage. 4. Community and Prayer By joining CHM, you become part of a community of believers who support each other through prayer and encouragement. CHM’s customer support team often prays with members, offering compassion and spiritual support during difficult times. 5. Lower Overhead and Greater Control CHM’s lower administrative costs translate into lower costs for members. Additionally, with no insurance company acting as a middleman, members work directly with medical providers to set up treatment plans and payment arrangements. Why Consider Medical Cost Sharing? Health insurance companies can be a blessing, especially for catastrophic illnesses, but they’re also large bureaucracies heavily regulated by the government. Medical cost sharing avoids many of these challenges, offering a simpler, more faith-focused approach to healthcare. If you’ve already signed up for health insurance for 2025 but are now considering medical cost sharing, you may still be able to cancel your insurance without penalty. To explore how medical cost sharing can be a biblical solution to healthcare costs, visit CHMinistries.org. You’ll find detailed information about plans, benefits, and how to join this faith-based community. Don’t miss this opportunity to align your healthcare decisions with your values. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Christian Healthcare Ministries (CHM)SavingForCollege.comTreasuryDirect.govLook 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...

In Mark 10:7, Jesus tells us, “A man shall leave his father and mother and hold fast to his wife, and the two shall become one flesh.” But does “becoming one” extend to the checkbook? Should husbands and wives have joint or separate bank accounts? Let’s explore this question and see if the Bible says anything about it. What Does the Bible Say About Joint Finances? The Bible doesn’t specifically address joint or separate bank accounts, as their banking looked much different than our modern system today. However, Scripture provides timeless principles that guide financial unity in marriage: 1. Marriage Is About Oneness In Mark 10, Jesus emphasizes that marriage involves two becoming one. While spouses remain individuals, marriage is a partnership requiring trust, openness, and communication—qualities that are essential for managing finances together. 2. Promote Transparency and Trust Joint accounts can foster financial transparency and eliminate the temptation for hidden spending. They encourage couples to avoid a “mine” and “yours” mentality, aligning with the biblical principle of unity. 3. Avoid Division in Financial Management Separate accounts can complicate money management. For example, you might face cash flow issues if one account is short while the other has surplus funds. Joint accounts simplify tracking expenses and meeting obligations, reducing potential stress. Why Financial Unity Matters Some couples argue that one spouse might handle the grocery budget while the other manages larger financial decisions through separate accounts. However, this approach can lead to problems: Lack of Awareness: Missed Communication Opportunities:Scripture underscores the importance of unity in decision-making. Amos 3:3 asks, “Do two walk together unless they have agreed to do so?” Financial unity reflects God’s design for marriage as a partnership built on trust and shared goals. Practical Steps for Financial Unity If you’re transitioning to joint accounts or considering how to manage money as a couple better, here are some tips: 1. Start a Monthly Money Date Set aside time to review your budget, discuss goals, and address concerns. These “money dates” keep communication open and help you align your priorities. 2. Build an Emergency Fund Together A shared emergency fund protects your family from financial shocks and reinforces your commitment to mutual goals. Aim for three to six months’ worth of expenses. 3. Use Tools to Simplify Budgeting Tools like the FaithFi App can help couples manage finances collaboratively, offering transparency and clarity about income, spending, and saving. Biblical Wisdom for Financial Oneness God’s Word offers timeless wisdom for every aspect of marriage, including finances. Ephesians 5:21 instructs, “Submit to one another out of reverence for Christ.” This mutual submission applies to all areas of marriage, including how you manage God’s resources. By embracing financial unity, couples reflect the oneness God intends for marriage. Whether through joint accounts, frequent money conversations, or shared goals, striving for unity in finances strengthens both your marriage and your walk with Christ. As you consider whether to have joint or separate bank accounts, remember that the goal is unity—not just in finances but in every area of your marriage. Take time to pray, communicate openly, and align your financial decisions with biblical principles. Together, you can honor God and steward His resources wisely. On Today’s Program, Rob Answers Listener Questions: Certified Kingdom Advisors (CKAs)Resources Mentioned: 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...

"From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked." - Luke 12:48 When the housing market collapsed in 2008, more than 10 million Americans experienced crashing home values and foreclosures. But out of that financial chaos, a new company arose with a mission to do things differently. Harlan Accola joins us today to talk about it. 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. A Vision Born in Crisis Movement Mortgage stands out in the world of residential lending for more than its exceptional service. Founded during the tumultuous 2008 housing crisis, this company has defied the odds, growing into one of the largest mortgage providers in the nation. With financial institutions collapsing and the housing market in turmoil, Casey Crawford, a former NFL player, saw an opportunity to do things differently. Together with mentor Toby Harris, Casey envisioned a company that would not only provide world-class mortgage services but also glorify God and give back to communities. This bold vision became the bedrock of Movement Mortgage. Faith at the Core Casey Crawford’s faith played a pivotal role in shaping the mission of Movement Mortgage. Having witnessed poverty and systemic challenges across the nation, Casey felt called to address the needs of the disadvantaged. Inspired by the legacy of Christians historically building hospitals and schools, he sought to create a company that would embody these values in modern times. Movement Mortgage was designed to be more than a business—it was a vehicle to serve “the least of these” and bring hope to struggling communities. Innovative Programs with Purpose From the beginning, Movement Mortgage has been about more than profits: Love Works Program: Grace Works Grants:Despite its unique mission, Movement’s success is rooted in its ability to deliver exceptional service. By prioritizing faster, better, and more efficient mortgage processes, Movement has earned trust and loyalty from clients and industry professionals alike. This commitment to excellence has attracted top talent and allowed the company to thrive. Transforming Lives Through the Movement Foundation Central to Movement’s impact is the Movement Foundation, which channels 50% of the company’s profits into charitable initiatives. This unprecedented commitment has resulted in $377 million given to transformative causes worldwide. Some key initiatives include: Movement Schools: Disaster Relief: Global Outreach:Movement Mortgage’s impact extends beyond financial transactions. Employees are encouraged to participate in vision trips and engage with the communities they serve. These experiences not only foster personal growth but also bring tangible hope to those in need. By aligning profits with purpose, Movement has cultivated a team united by a shared mission. Why Movement Mortgage? Choosing Movement Mortgage means more than securing a home loan. It’s an opportunity to contribute to life-changing work, both locally and globally. Each mortgage funds efforts to combat poverty, provide education, and restore dignity to vulnerable populations. Movement Mortgage embodies the idea that business can be a force for good. With its unwavering commitment to excellence and dedication to advancing God’s Kingdom, Movement is redefining what it means to lead with faith in the marketplace. To discover how Movement Mortgage can serve your home financing needs while supporting impactful initiatives, visit movement.com/faith. On Today’s Program, Rob Answers Listener Questions: Certified Kingdom Advisor (CKA)Resources Mentioned: Movement MortgageMovement SchoolsMovement FoundationBankrate.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward...

“A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous.” - Proverbs 13:22 God’s Word is clear that faithful stewards should leave an inheritance for future generations. That inheritance doesn’t have to be money. Passing along biblical principles such as generosity to grandkids, well, that’s priceless. Ron Blue joins us to talk about it. Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives. More Than Money: The Heart of Generosity Grandparents have a unique opportunity to model and teach generosity to their grandchildren. Generosity is about much more than giving money. Money is just a tool we can use to bless others and make the world a better place. When taught early, generosity can break the grip of materialism and shape how children view and manage money for a lifetime. By demonstrating that financial success involves not just acquiring wealth but sharing it, grandparents can instill values that reflect God’s Kingdom. Starting the Conversation The best way to teach generosity is to connect it to core Christian values like love, stewardship, compassion, and service. Ron Blue suggests beginning with young grandchildren by reading Christian children’s books that highlight stories of generosity. From there, move to practical activities: These activities help children see that generosity isn’t just a concept—it’s an actionable way to reflect Christ’s love. Generosity in Everyday Life Grandparents can incorporate lessons about generosity into everyday life by encouraging grandchildren to: These experiences not only teach the importance of generosity but also demonstrate that giving is a planned and intentional part of the Christian walk. Generosity and Legacy Planning Many grandparents focus on leaving a financial legacy, but weaving generosity into their estate planning is even more critical. Some ways to do this include: National Christian FoundationThese steps ensure that generosity remains a central value in the family’s legacy. The Long-Term Impact Teaching grandchildren about generosity has profound long-term effects. It helps them avoid the chains of materialism and be more faithful stewards of God’s resources. By modeling and encouraging generosity, grandparents can leave a lasting legacy that impacts their family and furthers God’s Kingdom. Grandparents, you have an incredible role to play in shaping your grandchildren’s values and faith. Start small, be intentional, and watch as your legacy of generosity grows in the hearts of your family. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Samaritan’s Purse: Operation Christmas ChildLook 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.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9 That verse is among the most cited on the subject of generosity…and for good reason. It links generosity with the Gospel. Dr. Nathan Harris joins us to make that connection even stronger. Dr. Nathan Harris is the Vice President of Advancement at Grace College in Winona Lake, Indiana. He is also the author of A Short Guide to Gospel Generosity: Giving as an Act of Grace. What Is Gospel Generosity? Gospel generosity is giving rooted in the good news of salvation through Jesus Christ. Generosity is not merely a virtue for the Christian life but a cheerful disposition that springs forth from the gospel. This kind of generosity arises from new life in Christ, is empowered by the Holy Spirit, and reflects the Father’s model of grace throughout creation. At its core, gospel generosity isn’t just about giving—it’s about proclaiming and portraying Christ’s saving work in our lives. It signifies a radical transformation of a believer’s heart and mind, leading to joyful stewardship of resources in service to God’s kingdom. Beyond the Tithe: A Higher Calling One of the most debated topics surrounding generosity is the concept of tithing. Are Christians called to tithe, or is there a greater expectation? While tithing—giving 10%—is not explicitly required for Christians, the gospel calls us to something far greater. We aren’t obligated to give; instead, Christians have an incredible gospel opportunity. We are called to live generously, humbly, selflessly, and with the kingdom of God in mind. This perspective reframes giving not as a rule to follow but as an act of grace and worship, rooted in gratitude for what Christ has done. How the Gospel Transforms Our View of Money The gospel transforms our hearts and minds and revolutionizes how we approach money and stewardship. Martin Luther once said: “There are three conversions in one’s life—the conversion of the heart, the mind, and the pocketbook.” When we encounter Christ, our hearts are filled with affection for Him, and our minds are set on heavenly things. However, many Christians struggle to surrender their finances to God fully. You can’t hold on to Christ while also holding on to your money. A heart transformed by the gospel desires to honor Christ above wealth. A mind renewed by the gospel prioritizes kingdom values over worldly ones. This transformation shapes every aspect of our financial lives, from earning and saving to spending and giving. Living as Stewards of God’s Resources When our hearts and minds are fully surrendered to Christ, our finances naturally follow. Giving becomes not just an obligation but an act of worship and a reflection of the gospel’s transforming power. To explore these ideas further, check out Dr. Nathan Harris’s book, A Short Guide to Gospel Generosity: Giving as an Act of Grace. This concise guide offers biblical wisdom and practical insights into living a life of joyful, gospel-rooted generosity. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: A Short Guide to Gospel Generosity: Giving as an Act of Grace by Dr. Nathan HarrisChristian 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 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 know that as a believer in Jesus, you already have what it takes to make wise financial decisions? The Bible tells us that Christians “have the mind of Christ.” But what does this mean for managing money and possessions? Let’s explore how adopting Jesus’ perspective can transform our financial decisions and bring us closer to God’s purpose for our lives. Understanding the Mind of Christ Having the mind of Christ means seeing the world—and our finances—through Jesus’ perspective. As Christians, we aim to serve, think, and love like Him in every area of life, including how we handle money. One practical way to apply this is by asking, “What would Jesus do in this financial situation?” The Bible emphasizes the vastness of God’s wisdom. Isaiah 40:13 reminds us of His unmatched understanding: “Who can fathom the Spirit of the Lord or instruct the Lord as his counselor?” Yet in 1 Corinthians 2:16, Paul tells us something remarkable: “But we have the mind of Christ.” Through Jesus, we’re no longer limited to worldly thinking. Instead, we’re empowered to manage our resources with godly wisdom, aligning our financial decisions with His eternal purposes. Bridging the Gap: Jesus as Our Guide So, how do we gain this wisdom? The answer lies in Jesus, who bridges the gap between our limited understanding and God’s perfect knowledge. Jesus came to restore us to God and bring clarity to the confusion caused by sin. When we follow Jesus and rely on the Holy Spirit, we gain a clearer understanding of God’s plan for our lives—including how to steward our money. This perspective frees us from the worldly mindset that often prioritizes wealth and possessions over faith and trust in God. It’s easy to slip back into managing money with a “worldly mind,” focusing on solving problems or planning for the future without seeking God’s perspective. When we separate our finances from our faith, we risk missing the opportunity to honor God in this crucial area of life. God cares about every part of our lives, including how we earn, spend, save, and give. He invites us to trust Him fully and integrate our financial decisions into our relationship with Him. Growing in Relationship with God To embrace the mind of Christ, we must deepen our relationship with God. In John 14:11, Jesus said: “I am in the Father, and the Father is in me.” Jesus modeled reliance on God’s wisdom and strength, and the same is true for us. Drawing closer to Him gives us the guidance and resilience needed to make godly financial decisions. This doesn’t mean financial challenges will disappear, but it does mean we’re not alone. God is actively working in and through us. As 2 Corinthians 10:5 reminds us: “We demolish arguments and every pretension that sets itself up against the knowledge of God, and we take captive every thought to make it obedient to Christ.” Living with the Mind of Christ in Finances What does it look like to manage finances with the mind of Christ? Here are three key principles: Align Your Attitudes and Actions with ChristRely on God’s StrengthResist Worldly InfluencesGrace in the Journey None of us will get it right every time. Mistakes and setbacks are part of the journey. But the good news is that God’s grace is sufficient. As 1 John 1:9 assures us: “If we confess our sins, he is faithful and just and will forgive us our sins and purify us from all unrighteousness.” When we stumble, let it be an opportunity to draw closer to God and realign our finances with His will. Remember, you have the mind of Christ. This truth empowers you to reject the world’s approach to money and manage your resources in ways that honor Him. Having the mind of Christ in your finances means trusting God’s wisdom and provision in every decision. By seeking His guidance, we can manage money with faith, purpose, and confidence. Let this truth encourage you to view your finances not as a separate part of your life but as an integral way to glorify God. On...

In Matthew 6, Jesus tells us how we should pray and how not to… “…do not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words.” Of course, Jesus then gives us the Lord’s Prayer as an example of how we should bring our needs to God. But are we skimming over part of it? A Prayer of Dependence In our world of abundance, it’s easy to forget that everything we have comes from God. From food and water to shelter and income, every provision is a gift from Him. Yet, we often assume that our efforts alone secure these blessings. Jesus teaches us to approach God with a heart of dependence, recognizing that even our ability to work and earn is from Him. This mindset shifts us away from self-sufficiency, reminding us to humbly rely on God for all our needs—physical, emotional, and spiritual. Lessons from a World of Scarcity In Jesus’ time, food security was uncertain, and people truly depended on God for their daily sustenance. Today, in a world of convenience and plenty, it’s easy to overlook the relevance of this prayer. But the essence of “daily bread” is timeless: In a culture that prizes wealth and possessions, praying for daily bread helps us resist the pull of materialism. Jesus warns against relying on earthly treasures and calls us to place our trust in Him instead. This prayer serves as a safeguard, reminding us that: God’s Promise to Provide Jesus doesn’t just teach us to ask for daily provision; He reassures us of God’s care. In Matthew 6:33, He says: “Seek first the kingdom of God and His righteousness, and all these things will be added to you.” Our deepest need isn’t for bread, money, or possessions—it’s for God Himself. When we prioritize Him, He promises to meet our needs according to His perfect wisdom. Living the Prayer How can we make “give us this day our daily bread” more than just words? Pray with Gratitude:Acknowledge Your Dependence:Seek God First:A Transformative Perspective This line of the Lord’s Prayer is more than a request for sustenance—it’s a call to humility, gratitude, and faith. By praying earnestly for our daily bread, we affirm our dependence on God and realign our priorities with His kingdom. As you reflect on this prayer, consider your needs today. Bring them to God with trust, knowing that He cares for you and will meet your needs in His perfect timing. Whatever you’re facing—financial challenges, relational struggles, or uncertainty—God is your ultimate provider. Let’s approach Him daily with hearts full of gratitude and faith, thanking Him for His unwavering provision and grace. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: 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.

Thanksgiving is more than just a feast—it's a celebration rooted in faith, courage, and sacrifice. The Pilgrims' journey and pursuit of religious freedom have shaped American heritage and continue to inspire gratitude. The Pilgrims, also known as Separatists, broke away from the Church of England, believing it had strayed from biblical teaching. In contrast, the Puritans, or Non-Separatists, sought to reform the church from within. While the Puritans aimed to purify, the Pilgrims chose complete separation, making their journey to the New World a bold stand for freedom of worship. Fleeing Persecution and Seeking Freedom Persecuted in England for their independent worship and devotion to the Bible as their final authority, the Pilgrims fled to Leiden, Holland, in 1609. However, challenges persisted, and they realized their dream of true freedom required a journey to the New World. In 1620, about 120 men, women, and children boarded the Mayflower, enduring a treacherous Atlantic voyage to establish a new life where they could live and worship freely. While some passengers were adventurers seeking financial opportunities, the Pilgrims were primarily driven by their faith. The Pilgrims arrived in November, too late to plant crops. The harsh winter of 1620-1621 became known as the "starving time," where disease and famine claimed nearly half their group. Despite these hardships, they forged a friendship with Native Americans in the area, particularly Squanto, who proved instrumental in their survival. Squanto, who had previously learned English, taught the Pilgrims vital skills like planting corn and fishing. With his help, they planted crops in the Spring of 1621 and reaped a modest but life-saving harvest that fall. The First Thanksgiving: A Celebration of Faith and Friendship The Pilgrims hosted a feast in the fall of 1621 to honor God's provision. They invited their Native American neighbors, nearly doubling the gathering’s size. Together, they celebrated survival, provision, and friendship—one of the first potluck-style gatherings in America. By that time, only 22 men, four married women, and 25 children and teenagers from the original group had survived. Their resilience and gratitude set the foundation for the Thanksgiving tradition we celebrate today. A Legacy of Faith and Gratitude William Bradford, the long-serving governor of Plymouth Colony, reflected on the Pilgrims’ journey in his book Of Plymouth Plantation. Quoting Hebrews 11:13-16, he described their faith: “They admitted they were foreigners and strangers on Earth… longing for a better country—a heavenly one. Therefore, God is not ashamed to be called their God, for he has prepared a city for them.” For the Pilgrims, their true home was with God, and their journey was a testament to enduring faith. This Thanksgiving, let’s remember the Pilgrims’ courage and resilience. Their sacrifices secured the freedom to worship—a gift we still enjoy today. From all of us at FaithFi, we wish you a happy and peaceful Thanksgiving. May your celebration be filled with faith, gratitude, and the joy of God’s provision. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: StashChristian 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 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.