Faith & Finance

When the topic of generosity comes up in church, reactions can be mixed. Some tune out, assuming the message is about funding a project or filling a financial gap. But generosity is about much more than meeting needs—it’s about the heart behind the act. Let’s explore not only why we should give but also why we shouldn’t and how to cultivate a heart for biblical generosity. Why We Shouldn’t Give 1. Guilt Shouldn’t Be Your Motivation Many Christians have been influenced by guilt-driven messages, from legalism to the prosperity gospel. These teachings suggest that not giving enough equates to stealing from God or forfeiting His blessings. However, the Bible paints a different picture. In 2 Corinthians 9:7, Paul reminds us, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Faithful giving stems from joy, not guilt or obligation. It’s also crucial to distinguish between guilt and conviction. Guilt comes from the enemy and leads us away from Christ, while conviction comes from the Holy Spirit, drawing us closer to God. Hebrews 10:22 reassures us that, through Christ’s sacrifice, we are freed from guilt. If guilt drives your giving, pause and prayerfully examine your heart. 2. Giving to Control the Church Sometimes, people give to influence church decisions, designating funds to specific ministries or withholding support to express disagreement with leadership. This approach can sow division and turn generosity into a transaction. Giving with strings attached undermines the act of worship and reflects a lack of trust in God’s sovereignty. As stewards of God’s resources, we are called to support His work, even when we don’t agree with every decision. 3. Seeking Self-Righteousness Through Giving Generosity should not be a means to feel morally superior. In Luke 18:11-12, Jesus shares the Parable of the Pharisee and the Tax Collector. The Pharisee flaunted his giving to showcase his righteousness, while the tax collector humbly sought God’s mercy. Faithful giving is a response to God’s grace, not a way to earn recognition or status. If pride motivates your generosity, it’s time to reassess your heart. Principles for Generous Giving To develop a heart of biblical generosity, consider these principles: 1. Make Giving a Priority Proverbs 3:9 teaches, “Honor the Lord with your wealth and with the firstfruits of all your produce.” Giving should come first—not as an afterthought or leftover. 2. Embrace Sacrificial Giving In 2 Samuel 24:24, David declares, “I will not offer burnt offerings to the Lord my God that cost me nothing.” True generosity often requires sacrifice, mirroring Christ’s sacrificial love for us. 3. Give Cheerfully As Paul emphasizes in 2 Corinthians 9:7, “God loves a cheerful giver.” Joyful giving reflects trust in God’s provision and a desire to participate in His work. Reflect Before You Give Before giving, ask yourself: God values the heart behind your generosity far more than the size of your gift. By giving with a spirit of gratitude and humility, you participate in advancing His Kingdom and glorifying Him through your stewardship. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationBettermentSchwab Intelligent PortfoliosLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

Do you dream of being financially free but are unsure where to start? Stay with us—we’re here to help. Knowing what to do and actually doing it are two very different things. Today, we’ll share the steps to achieve financial freedom, but the decision to take action is yours. Like most worthwhile goals, it starts with the desire and determination to make it happen. Start with a Mindset Shift Financial freedom begins with a change in perspective. Many people approach budgets like a diet—focused on restriction and deprivation. Just as restrictive diets often lead to overeating, feeling financially deprived can lead to overspending. Why does this happen? The Bible identifies underlying issues like greed, envy, covetousness, or a lack of faith in God’s provision. To overcome these, you need to cultivate gratitude. As 1 Thessalonians 5:16-18 says: “Rejoice always, pray without ceasing, give thanks in all circumstances; for this is the will of God in Christ Jesus for you.” Gratitude shifts your focus from what you lack to what you have, enabling contentment and a more positive relationship with your budget. Practical Tips for Living Below Your Means Once your mindset is aligned, it’s time to take action. Here are some practical steps to help you live below your means: 1. Build Margin Having money left over at the end of the month is critical for financial freedom. Start by scrutinizing your fixed expenses: Sometimes, simply asking for a discount—on medical bills or repairs—can save money. It never hurts to ask! 2. Track Your Spending Knowing where your money goes is essential. The FaithFi app is an excellent tool for setting up a budget and tracking your spending. It can highlight areas where you can cut back, like unused subscriptions, potentially saving hundreds of dollars annually. 3. Celebrate Small Wins Budgeting doesn’t have to feel like a punishment. Reward yourself for hitting financial milestones: These small rewards keep you motivated without derailing your financial progress. 4. Delay Non-Essential Expenses Stretch out spending for non-essentials like salon visits or subscriptions. For example, getting your nails done every six weeks instead of four can save $100 a year. 5. Declutter and Sell Unused Items If you’re paying for storage, consider selling items you no longer need. A good rule of thumb: Let it go if you haven’t used it in a year. This can free up cash and eliminate unnecessary expenses. Increase Your Income If you’ve trimmed your expenses but still struggle to live below your means, it’s time to explore ways to boost your income. Even a modest income increase can significantly improve your financial situation over time. Learning to live below your means allows you to serve God more fully, free from the weight of financial stress. It’s a journey of faith, discipline, and intentionality, but the rewards—both spiritual and financial—are worth it. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationNerdWalletLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your 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.

“The way of a fool is right in his own eyes, but a wise man listens to advice.” - Proverbs 12:15 It’s good to learn from your mistakes, but it’s even better to learn from someone else’s. Rachel Wong joins us today with three big financial mistakes that young adults often make…so you can avoid them. Rachel Wong is an Accredited Financial Counselor® and the creator of Open Hands Finance: a biblically-based content curriculum that teaches money skills to emerging adults. Money Missteps: 3 Easy Mistakes To Avoid As A Young Adult Money management is a crucial skill, especially for young adults just starting their financial journey. Here are three key financial mistakes young adults often make and how to avoid them: 1. Waiting to Save for Retirement Many young adults think they’ll start saving for retirement once they “make more money.” This delay can cost them valuable years of compound interest. Starting in your 20s is like taking a leisurely walk—manageable and effective. Waiting even a few years turns the journey into a sprint. Tip: Open a Roth IRA and start contributing small amounts monthly. Even $25 a month can grow significantly over time. 2. Waiting to Start Giving Some believe they’ll start giving once they earn a larger paycheck. But let’s remember the story of the widow’s mite. Despite her poverty, she gave anyway, reminding us of what it means to be faithful in our giving, regardless of our income. Tip: Begin giving a small, regular percentage of your income now. It’s not just about generosity—it’s about developing a habit that aligns your heart with God’s abundance. 3. Relying on Willpower for Savings Manually setting aside money every month can be challenging. That’s why automating our savings can help when we struggle with consistency. Tip: Automate savings and retirement contributions. Set up a monthly transfer to ensure consistency, regardless of life’s demands. Teaching Young Adults to Manage Money Biblically Open Hands Finance combines biblical wisdom with actionable exercises, such as setting up a budget and opening a Roth IRA. The program includes a unique matching incentive—sponsored by parents, universities, or third parties—to encourage participation. The curriculum’s student-led approach makes it relatable and impactful. It’s not just theoretical; it equips participants with tools to live below their means, practice generosity, and plan for the future. If you’re a college student or young professional—or know someone who could benefit—visit OpenHandsFinance.com to learn more about the curriculum and resources. Money is a resource God has entrusted to us. Managing it wisely allows us to live generously and reflect His abundance. Start today and set yourself on a path of faith-filled financial stewardship. On Today’s Program, Rob Answers Listener Questions: Thrivent FinancialResources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

At this time of year, many people hate going to the mailbox or checking their email. That’s because the Christmas bills are starting to roll in. Yes, the holidays are behind us, but for many people, burgeoning credit card balances are just ahead. If you think you’ll have trouble making those payments, Neile Simon is here with a plan to help you get out of debt. Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance. The Growing Problem of Credit Card Debt Credit card debt has surpassed $1.16 trillion, marking a 50% increase in just three and a half years. By 2024, the average credit card debt for individuals carrying unpaid balances reached $7,200. Rising costs due to inflation have pushed many to rely on credit cards just to get by. This growing burden isn’t just financial—it also creates fear, anxiety, and helplessness. These feelings do not come from God. Recognizing the seriousness of the situation is the first step toward finding freedom from debt. Do You Need Credit Counseling? If you’re struggling with credit card debt, it’s essential to ask for help. Neely recommends reaching out for credit counseling if: Christian Credit Counselors can provide guidance and support to help you regain control of your finances. Why Choose Debt Management Over Debt Settlement? Christian Credit Counselors take a debt management approach, which differs significantly from debt settlement or consolidation. Here’s how it works: Pre-Negotiated Terms:Debt Snowball Method:Customizable Enrollment:Free Budgeting Support:This approach focuses on integrity and honoring your commitments while providing a clear path to financial freedom. The Biblical Foundation for Debt Management Managing debt isn’t just about financial freedom—it’s also a way to honor God. Neely emphasizes the importance of aligning debt repayment with biblical values. Romans 13:7-8 encourages believers: “Give to everyone what you owe them … Let no debt remain outstanding, except the continuing debt to love one another.” Through debt management, Christians can fulfill their financial responsibilities, honor their commitments, and live generously, reflecting God’s principles. Take the First Step Toward Freedom If you’re ready to explore debt management, Christian Credit Counselors offers free consultations with no obligation. Their goal is to educate you on your options and help you achieve financial well-being while staying true to your faith. Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more. Managing debt wisely allows us to honor God and live a life of generosity and service to others. Take the step today toward financial freedom and faithful stewardship. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationChristian Credit CounselorsOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

“Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” - Proverbs 21:20 God’s Word couldn’t be any plainer on the need to live below one’s means and to be able to save for the future. To do that, you need a budget. Chad Clark is here to share some interesting facts about budgeting. Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. More People Budget Than You Think—But There's a Catch A recent NerdWallet survey revealed that 75% of Americans have a monthly budget. Encouraging, right? However, the same survey found that 84% of those individuals regularly exceed their budget. What happens when people overspend? For 44%, it means relying on credit cards, while 56% dip into their savings. Both paths can lead to financial instability, highlighting the importance of creating a budget that works—and sticking to it. Why Do People Avoid Budgeting? We have heard a variety of reasons why people avoid budgeting, including: “It takes too much time.”“I don’t like math.”“I can’t stick to it—it feels like a diet.”“I don’t need a budget; I’m doing fine.”“It limits my freedom.”Most of these reasons stem from misconceptions about what budgeting truly involves. Busting Common Budgeting Myths Here are a few common misconceptions about budgeting—and the truth behind them: 1. “A budget is about cutting expenses.” Not true! A budget is a decision-making tool to help you prioritize spending and make wise financial choices. It’s about aligning your spending with your values, not just slashing costs. 2. “A budget is too rigid.” Your budget can be as flexible as you need it to be. It’s meant to adapt to your circumstances and help you make adjustments when necessary. 3. “I don’t need a budget because I make enough money.” Even multi-million-dollar companies use budgets! A budget helps you steward what God has entrusted to you, regardless of your income level. How the FaithFi App Can Help You Budget Better The FaithFi app is designed to make budgeting accessible, effective, and Christ-centered. Here’s how it can help: 1. Tailored to Your Money Management Style The app offers three different ways to manage your money so you can choose the method that works best for you. 2. Establishes Healthy Financial Rhythms Whether you prefer daily check-ins or weekly reviews, the app helps you build habits that keep your finances on track. 3. Focuses on More Than Money FaithFi integrates financial management with spiritual growth. Its content and community features encourage you to be a faithful steward of God’s resources. Ready to Get Started? The FaithFi app is more than a budgeting tool—it’s a resource to help you manage your money intentionally and grow in your relationship with the Lord. It’s about bringing order to your finances and aligning your decisions with God’s principles. Download the FaithFi app today at FaithFi.com or find it in your app store by searching for “FaithFi: Faith & Finance.” Make this the year you take control of your finances and honor God as a faithful steward. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationList Of Faith-Based Investment FundsLook 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.

What if everything you own isn’t really yours? It’s a biblical truth that changes everything once you grasp it. The belief that God owns it all has profound implications for how we manage our resources—and our lives. Let’s explore what it means to be a faithful steward of everything God has entrusted to us. The Foundation of Biblical Money Management The cornerstone of biblical money management is the belief that God owns everything. Psalm 24:1 states this clearly: “The earth is the Lord's and the fullness thereof, the world and those who dwell therein.” Paul builds on this truth in 1 Corinthians 4:7, reminding us that all we have is a gift from God: “What do you have that you did not receive? If then you received it, why do you boast as if you did not receive it?” Acknowledging this truth is one thing; living it out is another. It requires a shift in how we view money and possessions. God isn’t a consultant or silent partner in our financial decisions—He’s the owner. As His stewards, we’re entrusted to manage His resources for His purposes. What Does It Mean to Be a Steward? The Koine Greek word for steward, oikonomos, means “household manager.” Like a household manager oversees someone else’s property, we manage God’s resources. We own nothing but are responsible for everything under our care, including our finances, time, talents, and relationships. Even our ability to earn a living is a gift to be managed wisely. Deuteronomy 8:18 reminds us: "You shall remember the Lord your God, for it is he who gives you the power to get wealth." Stewardship Responsibilities As stewards, we manage God’s resources according to His will, not our own. This means making decisions that align with His purposes. Let’s break down our responsibilities as stewards. 1. Accountability to God We are accountable to God for how we manage His resources. Romans 14:12 says: “So then each of us will give an account of himself to God.” This includes using our resources to advance God’s Kingdom, care for others, and reflect His character. Similarly, 2 Corinthians 5:10 reminds us: "For we must all appear before the judgment seat of Christ, so that each one may receive what is due for what he has done in the body, whether good or evil." 2. Living with an Eternal Perspective Instead of focusing on temporal wealth, stewards invest in eternal treasures. Jesus teaches in Matthew 6:19-21: "Do not lay up for yourselves treasures on earth…but lay up for yourselves treasures in heaven." 3. Faithfulness in Small Things Faithful stewards handle even the smallest responsibilities with care. Jesus emphasizes this in Luke 16:10: “One who is faithful in a very little is also faithful in much.” 4. Generosity and Open Hands When we acknowledge God as the owner of all we have, it becomes easier to hold our possessions loosely. Faithful stewards give generously, reflecting God’s generosity and trusting Him to provide for their needs. 5. Humility in Success Good stewards recognize that all they have comes from God. Jesus warns against pride in the Parable of the Rich Fool (Luke 12:13-21), where a man takes credit for his wealth without acknowledging God’s provision. Faithful stewards give God the credit for their success. Stewardship Transforms Our Lives Living as faithful stewards transforms how we approach our finances—and our lives. It brings greater purpose, responsibility, and joy. Most importantly, it reflects our commitment to Christ and our trust in Him for all things. Our ultimate goal is to hear Jesus say, “Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master” (Matthew 25:23). By embracing the truth that everything belongs to God, we honor Him as the owner and find freedom in managing His resources for His glory. Let this perspective guide your financial journey and every decision you make. FaithFi’s New Publication: Faithful Steward Starting this month,...

Money and relationships are a tricky combination. When a family member or close friend asks to borrow money, it can put you in a difficult spot. On the one hand, you want to help someone you care about, but on the other, lending money can easily lead to strained relationships or hurt feelings. Proverbs 22:7 reads, “The borrower becomes slave to the lender.” Lending money can hurt a relationship. And that can happen whether you lend the money or not. You’re “between a rock and a hard place,” and it seems like either way, someone may end up resentful. There are really only three things that can happen, and only one of them is good: It’s only the third possibility that makes everyone happy: Fortunately, God’s Word gives us guidance here. What Does The Bible Say? First, God’s Word tells us to help those in need…lending money if necessary. Deuteronomy 15:8 says, “You shall open your hand to him and lend him sufficient for his need, whatever it may be.” Turning to the New Testament, in the Sermon on the Mount, Matthew 5:42, Jesus says, “Give to the one who asks you, and do not turn away from the one who wants to borrow from you.” Finally, 1 Timothy 5:8 might make you think the only proper response is to lend money to a family member. It reads, “But if anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever.” Should You Always Lend Money When Asked? Not at all. The above Scriptures imply a couple of things: Here, Scripture has more to say: Proverbs 13:11 warns about one possible outcome of lending money. It reads, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Getting a loan is often the “easy way out.” Maybe the borrower tells you the loan would be a “lifeline”—which it may be. But it’s also “easy money,” and the borrower may not appreciate the effort it takes to create that wealth. When you have to work hard for something…you tend to want to hold onto it. Hard work produces character and wisdom. Proverbs 21:20 reads, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” How Can I Discern A Real Need? So before you get out the checkbook, think carefully about whether there’s a real need. You also have to be sure that lending the money will actually help the borrower. Here are some questions to ask yourself: Finally, if you decide to lend the money, you should draft a written agreement specifying the amount, interest rate, payment structure, and collateral. This will help eliminate misunderstandings later. FaithFi’s New Publication: Faithful Steward We’ve covered this topic in our brand-new quarterly publication, Faithful Steward. Featuring insightful articles and contributions from leading voices in Christian finance, Faithful Steward will help you view money not as an end in itself but as a tool to glorify God and serve others. You can receive this inspiring publication every quarter by becoming a FaithFi partner at $35 or more monthly or $400 a year or more. Visit FaithFi.com/Give to get started today. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

"Do you not know that in a race all the runners run, but only one receives the prize? So run that you may obtain it." - 1 Corinthians 9:24 The apostle Paul exhorted the early church at Corinth to run in such a way as to win the prize, but sometimes, with finances, it feels like we’re in a race with no end! Today, Rachel McDonough joins us to talk about setting financial finish lines. Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor. What Are Financial Finish Lines? Financial finish lines answer the question: How much is enough? This concept is built around two primary purposes for financial resources: Provision:Kingdom Impact:While there’s no finish line for Kingdom impact—our generosity can grow indefinitely—establishing clear finish lines in the provision bucket enables us to responsibly allocate more resources for generosity. Setting Finish Lines in the Provision Bucket 1. Lifestyle Spending Defining “enough” for lifestyle spending is the first step. One approach is to use a multiple of the poverty line income for your household. For instance, in 2024, the poverty line income for a family of four is $31,200. Using this as a benchmark, you can determine an appropriate multiple to guide your lifestyle choices. By setting these parameters, you can also calculate how much you’ll need for retirement with greater clarity. 2. Gifts to Family Members Another key area is determining how much is enough when giving to children or grandchildren. While it’s natural to want to help, large, unearned gifts can sometimes have adverse effects. Prayerfully discern how to meet the needs of each family member in a way that fosters responsibility and independence. Like Ron Blue has often said: “If I love my children equally, I will treat them uniquely.” 3. Asset Accumulation Finish lines for asset accumulation answer the question: How much is enough for future provision? Without setting limits, resources that could be used for Kingdom impact may remain stalled in a “potential future needs” category. Financial planning helps determine this figure, often incorporating a margin for unexpected circumstances. Catalyzing Kingdom Impact Establishing finish lines within the provision bucket frees resources for the Kingdom impact bucket. These funds can be directed toward generosity, allowing you to partner with God in advancing His work. A Certified Kingdom Advisor (CKA®) can be an invaluable partner in this process. They can provide tools for cash flow management, budgeting, and financial planning to help you discern how much is enough. As you reflect on your financial goals this year, consider setting finish lines in key areas of your provision. Doing so not only brings clarity and peace but also opens the door to greater Kingdom impact. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Money and Marriage God’s Way by Howard DaytonChristian 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 anxiety disorders are the most common mental illnesses in the U.S. today? You might assume that we have a major anxiety problem just by the number of commercials you see for new medicines to treat these disorders, but is anxiety really a new thing? The Reality Of Anxiety Modern medicine recognizes anxiety in many forms: generalized anxiety disorder, panic disorder, social anxiety, and various phobias. Data shows nearly a third of all U.S. adults will experience some form of anxiety in their lifetime. The cost of treating anxiety disorders in the U.S. runs into the tens of billions of dollars, with an even higher economic impact due to lost productivity. What causes this widespread anxiety? According to the Mayo Clinic, the causes aren’t fully understood but likely include physical and mental health issues, as well as negative life events such as job loss or financial troubles. If you’re struggling with persistent anxiety, it’s crucial to see a doctor. Medication and counseling can be transformative. Jesus’ Teachings On Anxiety Despite appearing like a modern affliction exacerbated by hectic schedules, technology overload, and perhaps even diet, anxiety is not new. We know this because Jesus addresses it in the Bible, particularly Matthew 6 and Luke 12. Matthew 6:25-26 says: “Therefore I tell you, do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing? Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?” Imagine the disciples traveling around Galilee and Judea, relying on donations for their needs. It’s easy to see why they might have felt anxious about where they’d sleep or their next meal. Jesus encourages them to have faith. In Matthew 6:31-33, He says: “Therefore do not be anxious, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the Gentiles seek after all these things, and your heavenly Father knows that you need them all. But seek first the kingdom of God and his righteousness, and all these things will be added to you.” Resisting The Love Of Money John Rinehart, founder of Gospel Patrons, explains that Jesus aims to free us from fear and anxiety to be distinct from the world. The world often idolizes money and seeks comfort and security through wealth. While financial planning is important, it shouldn’t be for the sake of leisure alone. Rinehart notes that the world is preoccupied with wealth, which can be perilous for Christians. Jesus warns of this temptation, emphasizing the need to resist the love of money by recognizing our value to God. He made us with a purpose. Jesus instructs us to seek God’s Kingdom and righteousness first, promising our needs will be met. We must actively participate in our provision and trust God to fulfill His promise. When we understand our worth to God, we’ll pursue His Kingdom and boldly share the Gospel, glorifying Him in the process. The Choice We All Have To Make Ultimately, we all face a choice: will we follow the world or seek the Kingdom of God and His righteousness? We can’t do both. As Jesus states in Matthew 6:24: “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” Choose God over money and watch the cares of the world fade away. Look At The Sparrows: A 21-Day Devotional from FaithFi If you want to transform your approach to money through faith and find peace in God’s provision, you can purchase a copy of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety at FaithFi.com/sparrows. This devotional will take you on a journey through Scripture to help you discover how to move from financial fear to a life anchored in trust and...

Some people learn from the mistakes of others. Unfortunately, some people have to be the others. Well, you certainly don’t want to be one of the “others” who have to learn things the hard way by making mistakes. Today, we’ll talk to Ron Blue about some of the biggest financial mistakes you want to avoid. Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.” Setting Financial Goals Without clear financial goals, you're essentially aiming at nothing. Goals help you prioritize and manage your spending effectively. Setting goals provides direction and ensures that your spending aligns with your priorities. Avoiding a Consumptive Lifestyle A consumptive lifestyle involves spending significantly more than necessary, often on things that don’t build financial equity. We all face the temptation of greed—a new car or a dress. Overspending on consumable items leads to a lack of financial growth. Instead, focus on investing in things that build equity and create long-term value. The Pitfall of Greed Greed is often disguised in pursuing the American dream. It's a subtle but pervasive issue. Tim Keller, a well-known pastor, once pointed out that in his experience, greed is rarely confessed as a sin. We often justify our spending under the guise of higher motives, which can lead to financial mismanagement. Avoiding greed starts with creating and sticking to a budget. The Importance of Budgeting Many view budgeting as restrictive, but it's quite the opposite—budgeting is liberating. A budget allows for pre-planned spending, which includes saving for vacations and preparing for emergencies like car repairs or broken appliances. Planning your expenses provides financial freedom and security. Giving: A Key to Financial Freedom Many believe that giving should come from surplus rather than regular income. However, giving is essential for experiencing true financial freedom. It's not about the money but about your heart and willingness to trust and honor God with your finances. By following these principles, you can achieve financial contentment and freedom. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueTreasuryDirect.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 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 whatever you do, in word or deed, do everything in the name of the Lord Jesus, giving thanks to God the Father through him." - Colossians 3:17 God created man for His glory. That means everything we do should glorify God, including how we manage money. Chad Clark joins us today to talk about how FaithFi is helping God’s people be more faithful stewards—all for His glory. Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. Why FaithFi’s Mission Is Crucial Money is more than a financial issue—it’s a heart issue. Chad explained how money and possessions, as seen throughout Scripture, often lead to pride, greed, and idolatry, drawing hearts away from God. This is just as true today as it was in biblical times. Shockingly, a recent study revealed that 94% of Christians do not hold a biblical worldview, highlighting the urgent need for ministries like FaithFi. Our work centers on equipping and encouraging believers to adopt a biblical perspective on money, helping them move from greed and idolatry to generosity and contentment rooted in treasuring God above all else. A Ministry of Impact FaithFi’s mission comes alive through our various initiatives, including: The Faith & Finance Radio Show and Podcast: The FaithFi App: FaithFi app Studies and Devotionals: Rich Toward GodLook at the SparrowsYour Opportunity to Double the Impact As FaithFi continues to expand, we remain committed to equipping Christians to steward their resources for God’s glory. None of this would be possible without the generous support of our listeners and partners. This ministry thrives because of your generosity. Right now, every gift is doubled thanks to a matching challenge that ends tomorrow, December 31. Your support fuels resources like the FaithFi app, radio program, studies, and devotionals—reaching more hearts with God’s truth. Would you prayerfully consider making a gift today? Visit FaithFi.com/impact to make a difference. Together, we can help more believers treasure God above all else and experience the peace and contentment that comes from living generously. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: FaithFi.com/impactThe Secret Slide Money Club Series by Dr. Art RainerOpen Hands FinanceCompass Financial MinistrySSA.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 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.

The world is becoming more complex every day. Technology solves problems and creates new ones. How do you keep up? Among so many other things today, maybe you’ve noticed that managing your finances is increasingly complicated and involves more than balancing a checkbook. Sharon Epps joins us today with some much-needed advice—the 5 Ds of a Financial Reset. 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. 1. Define Your Financial Vision The first step in a financial reset is to Define your standard of living. This goes beyond just wanting financial health; it’s about understanding your deeper motivations. What is your “why”? The Bible reminds us in John 10:10 that Jesus came so that we might have life and have it abundantly. This abundant life isn’t about wealth but about living a life full of peace and purpose. Define what that means for you and let it guide your financial decisions. 2. Declutter Your Life and Finances Next, it’s time to Declutter—and not just your finances but your physical space as well. Spend a weekend going through your home, room by room, asking yourself if each item is still useful. If you haven’t used something in the last year, consider selling it or giving it away. Decluttering your home can go a long way toward decluttering your life, making space for what truly matters. 3. Delay Impulse Purchases The third step is to Delay your impulse purchases. Create a list of things you want to buy and note the date next to each item. Commit to waiting 30 days before making any purchase. More often than not, you’ll find that you didn’t really need or want the item after all. This simple habit can help you make more intentional spending decisions. 4. Detect Spending Habits The fourth “D” is Detect. For 30 days, track all your spending and review your expenses. With today’s technology, this process is easier than ever since most of us rarely use cash. You can quickly review your bank and credit card statements online. As you do this, ask yourself what you would change. The FaithFi app is an excellent tool for this. It allows you to combine all your accounts in one place and helps you and your spouse stay on the same page regarding your finances. 5. Decide on Your Spending and Giving Plans Finally, it’s time to Decide on your financial future. Overhaul your budget, check your priorities, and decide where your money will go. Make “giving” an essential part of your budget. Consider where you can cut expenses to be more generous, whether to your church or a ministry you’re passionate about. This step is about re-establishing your priorities and returning to the basics—financially and spiritually. The “5 Ds of a Financial Reset” offers a practical and spiritual approach to managing your finances in today’s complex world. By defining your financial vision, decluttering your life, delaying impulse purchases, detecting spending habits, and deciding on your budget, you can regain control of your finances and realign them with your spiritual values. Remember, tools like the FaithFi app can make this process even easier, helping you stay organized and focused on what truly matters. 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.

You have to be at least 62 to collect Social Security…maybe because it takes that long to understand the program. Do you have questions about Social Security? Of course, you do. Who doesn’t? Well, you don’t want to miss today’s program. Eddie Holland is back to answer more of your questions about Social Security. 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®). Can You Claim Benefits Early and Switch Later? You can claim Social Security benefits at 62 and switch to spousal benefits later if the spousal benefit is higher than your own. However, if your benefit is higher, you must take that instead. Conversely, you must wait to claim spousal benefits first and then switch to your benefit at full retirement age; you must take the higher of the two benefits available. Survivor Benefits Exception Survivor benefits are an exception where you can take one benefit and let the other grow. For instance, a widow can claim a survivor benefit as early as 60 and then switch to her benefit at 70, which would have grown due to delayed retirement credits. Taxation of Social Security Benefits Social Security benefits can be taxed based on your combined income, including half of your Social Security benefits, adjusted gross income, and any tax-exempt interest. Federal taxes apply progressively, with higher income leading to more taxable benefits. Roth Conversions and Social Security Be cautious with Roth conversions, as they can increase your combined income and make more of your Social Security benefits taxable. This strategy might push you into a higher marginal tax bracket. Stopping Benefits If you decide to stop your Social Security benefits, you can do so within the first 12 months of receiving them if you're under full retirement age. Beyond that, you can pause benefits after reaching full retirement age to earn delayed retirement credits. Scams and Social Security There is an increasing problem of Social Security scams. Legitimate Social Security issues will be communicated via mail, not phone calls, emails, or social media messages. If in doubt, always verify by setting up an appointment with your local Social Security office. If you have questions about your benefits, consider consulting a Certified Kingdom Advisor (CKA®) who can provide tailored advice for your unique situation. 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.

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.