Faith & Finance

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

The real estate market may be in its winter slump, but spring is just around the corner—only five weeks away! Higher interest rates have kept many home buyers and sellers off the sidelines in recent years. But could a change be on the horizon? Today, mortgage expert Dale Vermillion joins us with a market forecast and some practical advice on how to move forward. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective. Is the Housing Market About to Shift? For the past few years, many homeowners have stayed put due to high interest rates, a phenomenon known as the lock-in effect. However, recent data suggests a shift might be on the horizon. Should Buyers Accept Current Interest Rates? Many potential buyers have been waiting for rates to drop before making a move. But sometimes, waiting is no longer an option. Life goes on, and people need to relocate for jobs, family, or other personal reasons. That said, budgeting wisely is key. Before purchasing a home, we recommend: While mortgage rates remain higher than the record lows of a few years ago, waiting indefinitely for the “perfect” rate may mean missing out on opportunities. What to Expect From Interest Rates in 2025 Many homebuyers have been banking on rate cuts to ease affordability, but will they actually happen? Bottom line: Mortgage rates are likely to stay between 6% and 7% for most of 2025, with a slight possibility of dipping into the high 5% range. Navigating the 2025 Housing Market Whether you’re looking to buy or sell, market conditions are changing, and understanding them is crucial. For Sellers: For Buyers: Mortgage Trends: What’s Changed? If it’s been a while since you’ve looked into getting a mortgage, you may be surprised by the range of options now available. The housing market is shifting, and while interest rates may not drop dramatically, buyers and sellers alike have opportunities in 2025. For those needing to move, careful planning and budgeting will be essential. And for sellers, this could be a good time to capitalize on home values before potential declines. No matter your situation, making an informed, strategic decision is key, and consulting professionals can confidently help you navigate the mortgage landscape. For more expert insights on financing your home, check out The Mortgage Maze: The Simple Truth About Financing Your Home by Dale Vermillion. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationNavigating the Mortgage Maze: The Simple Truth About Financing Your HomeLook 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.

One book of the Bible reminds us that life is short and we should make the most of every moment. If you guessed Ecclesiastes, you’re right. This book emphasizes that our time here is fleeting, but what lies beyond is eternal. In this post, we’ll explore this profound truth and introduce a new FaithFi study on the book of Ecclesiastes—Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money. The Shortness of Life Imagine standing on the summit of Mount Everest, over 29,000 feet above sea level. At that moment, you are higher than every other person on the planet. But as breathtaking as the view may be, you can’t stay there long. At 26,000 feet, climbers enter the “death zone,” where oxygen is too thin to sustain human life. Even the most well-trained mountaineers must rely on oxygen tanks just to survive the final push to the peak. And when they reach the top, they have just five minutes—300 precious seconds—before they must begin their descent or risk never making it back. How do you think a climber should spend those five minutes? Complaining about an aching ankle? Wishing they hadn’t endured the brutal climb? Or should they take in the view, praise God for the beauty of creation, and appreciate the rare opportunity they’ve been given? Five Minutes On The Summit Ecclesiastes teaches us that life is like having five minutes on the summit. We’re here for a short time. Many have come before us, and many will come after. Some moments in life are filled with sunshine and calm, while others bring fierce storms. But regardless of our circumstances, we have one brief chance to live and no do-overs. The book of Ecclesiastes repeatedly urges us to embrace this reality. Solomon, the author, reminds us that all earthly pursuits—wealth, pleasure, status—are ultimately fleeting. But rather than making us despair, this truth should inspire us to live with gratitude and purpose. Facing the Reality of Death to Find Joy in Life Ecclesiastes does not shy away from the topic of death. In fact, it is mentioned in 11 out of its 12 chapters. Solomon writes: "Remember also your Creator in the days of your youth, before the evil days come and the years draw near of which you will say, ‘I have no pleasure in them’… before the silver cord is snapped, or the golden bowl is broken, or the pitcher is shattered at the fountain, or the wheel broken at the cistern, and the dust returns to the earth as it was, and the spirit returns to God who gave it. Vanity of vanities, says the Preacher; all is vanity.” (Ecclesiastes 12:1, 6-8) Why does Solomon want us to think about death? Not to depress us—but to help us truly live. When we remember that our time is short, we learn to treasure each moment. If I know I have to leave the summit soon, I’ll savor every second. If I know death is coming, I’ll be thankful to be alive. The closing chapters of Ecclesiastes paint a vivid picture of aging and decline. Our eyesight dims, our strength fades, and our bodies slow down. But instead of fearing this reality, we’re encouraged to embrace it—to use the time we have wisely and to find joy in the life God has given us. Live With Eternity In Mind Our new FaithFi study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, explores how these lessons apply to financial decisions. Solomon warns us that wealth, like life itself, is temporary. Money cannot ultimately satisfy, and hoarding riches without purpose is meaningless. Instead, Ecclesiastes teaches us to steward our finances with eternity in mind. That means: As Moses wrote in Psalm 90:12: “So teach us to number our days that we may get a heart of wisdom.” You are standing on the summit of life. You have five minutes. How will you spend them? Will you focus on fleeting troubles, or will you fix your eyes on the One who holds eternity in His hands? Ecclesiastes calls us to live with purpose—to love God, love others, and make the most of every moment. When the expedition leader, God, taps us on...

“The purpose in a man's heart is like deep water, but a man of understanding will draw it out.” - Proverbs 20:5 Man’s ultimate purpose is to glorify God, but deciding how to do that can be challenging. Sometimes, we need help from a trusted advisor. I’ll discuss that today with Rachel McDonough. Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor. The Cultural Challenge: Are We Asking the Right Financial Questions? Money is more than just a tool—it’s a reflection of our values, priorities, and ultimately, our faith. But how do we ensure that our financial decisions align with God’s purpose for our lives? As believers, we all want to honor God with the resources He has entrusted to us. However, navigating financial decisions can be overwhelming—especially when culture pushes us in the opposite direction. Traditional financial planning often starts with one simple question: “What are your financial goals?” At first glance, that sounds logical. But the problem? It starts with us—our dreams, our desires—rather than seeking God’s plan first. Many people feel pressure to already have their financial goals figured out. If they don’t, they may experience anxiety, uncertainty, or even guilt. Instead of feeling liberated, they feel like they’re failing. So, how do we shift from “What do I want?” to “What does God want for me?” The Heart of Financial Planning: Start with Your Values Take a step back before setting financial goals. Instead of ready, aim, fire—we should first seek to understand: Our values Our priorities God’s purpose As Paul David Tripp once said: “The thing that is your treasure will control your heart, and what controls your heart will control your words, your behaviors, your choices, and your decisions.” If we start with financial goals before examining our hearts, we risk aiming at the wrong target. A Real-Life Example: Aligning Values with Financial Decisions Rachel shared a story about a couple who initially sought financial advice because they wanted to: Sounds reasonable, right? But as they went through a values discovery exercise, something surprising happened. After reflecting on their true priorities, they realized now was not the right season for a cabin. Instead, they needed a financial plan that allowed the wife to: The outcome? A plan that prioritized peace, purpose, and financial security—without regret. The Role of a Certified Kingdom Advisor (CKA®) Many financial advisors focus solely on wealth accumulation and goal-setting. But a Certified Kingdom Advisor (CKA®) brings a biblical perspective, asking questions like: “What do you think God is calling you to pursue in this season?” “Do you need more income or more impact?” “What does surrender look like in your financial life?”This kind of financial planning frees people from guilt and regret. Instead of chasing worldly success, they begin pursuing God’s best for their lives. Aligning values with financial goals isn’t just a nice idea—it requires practical steps. In the case of Rachel’s story from earlier, their financial strategy included: Their financial decisions became intentional—not just reactionary. The Fruit of Biblical Financial Planning When people approach financial decisions with a heart of surrender, the results are transformational. The fruit we see in people who adopt this mindset is: You're not alone if you’ve ever felt uncertain about your financial goals. Instead of feeling pressured to have it all figured out, take a step back and ask: And most importantly: How can my money reflect what’s most important to me as a Christ-follower? If you’re looking for a biblical approach to financial planning, consider working with a Certified Kingdom Advisor (CKA®)—a professional trained to help you navigate money through the lens of faith and stewardship. Find a CKA near you at FaithFi.com and click “Find a Professional.” Because...

The holidays are behind us; you know what that means—it’s tax season! But before you start gathering your W-2s and receipts, there’s an important question: Do you know who will prepare your taxes this year? With a nationwide shortage of Certified Public Accountants (CPAs) and tax professionals, waiting too long to find a preparer could leave you scrambling—and vulnerable to scams. Here’s how to protect yourself and find a trusted tax preparer. Who Can Prepare Your Taxes? When hiring a tax professional, your preparer will likely fall into one of three categories: Certified Public Accountant (CPA): Enrolled Agent (EA): Tax Attorney:Each of these professionals is highly qualified—but the problem is there aren’t enough of them. There is a growing shortage of CPAs and tax professionals, mainly because fewer young people are entering the field. Some firms are even hiring high school interns at $22 an hour to recruit future CPAs. What does this mean for you? When people are desperate to file their returns, they can become easy targets for scammers who fake credentials or engage in tax fraud. How to Avoid Tax Scams and Find a Qualified Preparer To protect yourself, follow these IRS-recommended steps when choosing a tax preparer: 1. Choose a Year-Round Tax Preparer A reputable preparer should be available beyond tax season. You don’t want your tax preparer to disappear if you get audited. 2. Verify Their IRS Credentials Ask for the IRS Preparer Tax Identification Number (PTIN). All paid tax return preparers must register with the IRS and enter their PTIN on every return they file. Check their status using the IRS Directory of Federal Tax Return Preparers at IRS.gov. 3. Look for Professional Credentials Ask if the preparer holds a credential such as: IRS.govAdditionally, inquire about continuing education—since tax laws change frequently, professionals should stay current. 4. Be Cautious About Fees Beware of tax preparers who: A legitimate preparer should charge a flat or hourly rate based on the complexity of your return. 5. Verify IRS E-File Capability Most tax preparers handling more than 10 clients must file electronically. If your preparer refuses to e-file, that’s a red flag. 6. Ensure Proper Documentation A trustworthy tax preparer will ask for the following: If a preparer doesn’t ask for supporting documents, walk away. The IRS requires proper documentation to verify your return. 7. Understand Representation Rules Only CPAs, Enrolled Agents, and tax attorneys can represent you before the IRS if you're audited. Non-credentialed tax preparers—including your math-savvy cousin Bill—cannot represent you in an audit. 8. Never Sign a Blank or Incomplete Tax Return Please review your return carefully before signing. Ensure all information is accurate, and ask questions if anything appears incorrect. 9. Your Refund Should Go to You—Not the Preparer Check the routing and account number on your tax return to ensure your refund is deposited into your own account, not your preparer’s. Looking for a Faith-Based Financial Professional? If you want to work with a tax professional who aligns with biblical financial principles, consider finding a CPA, Enrolled Agent, or tax attorney with the Certified Kingdom Advisor (CKA®) designation. To find a trusted, faith-based financial professional, visit FaithFi.com and click “Find a Professional.” With tax season here, choosing a reputable, qualified tax preparer is more important than ever. Don’t wait until the last minute—start your search today to avoid scams and ensure your taxes are filed accurately and ethically. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationBankrateChristian Community Credit Union (CCCU)Business By The Book: Complete Guide of Biblical Principles for the Workplace by Larry BurkettLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward...

“Whoever has a bountiful eye will be blessed, for he shares his bread with the poor.” - Proverbs 22:9 Do you have a generous heart—one that seeks out opportunities to bless others, especially those in need? Today, Kelly Miller joins us to share a powerful way you can not only support the poor around the world but also help bring lasting transformation to their lives. Kelly Miller is the CEO and President of Cross International, an underwriter of Faith & Finance. The Global Crisis: Hunger, Clean Water, and Poverty Poverty remains a critical issue around the world, affecting millions of families who struggle to access basic necessities like food, clean water, and education. The numbers are staggering: Cross International is a faith-based humanitarian organization dedicated to transforming the lives of impoverished individuals and families worldwide. It is on the front lines, working in over a dozen low-income countries to meet these urgent needs while also addressing the deeper spiritual transformation that brings lasting hope. The Mission of Cross International Founded in 2001, Cross International partners with local Christian ministries to provide essential resources to struggling communities. Their mission is to provide food, water, and shelter and transform lives through the love of Christ. The organization primarily serves Latin America and regions of Eastern and Southern Africa, where the need is particularly dire. Through local partnerships, they empower communities by offering: Beyond Humanitarian Aid: Transforming Lives Through Christ Cross International goes beyond simply meeting physical needs—they focus on long-term transformation. One example of this is their Thriving Kids Initiative, which ensures children not only receive food and education but also grow in faith and purpose. Take Kenny, a young man from rural Malawi. He grew up in extreme poverty, with little access to food or education. Through Cross International’s partnership with local ministries, Kenny was able to attend school and receive his only meal of the day—a nutritious meal provided through the program. Over the years, Kenny has thrived academically, and today, he is a university student in Malawi. He dreams of returning to his village, starting a business, and helping lift others out of poverty. His story is just one of many transformed lives through the work of Cross International. How You Can Help: Become a Thriving Kids Ambassador The impact of your generosity can be life-changing. For just $62, you can provide: Your gift can make an eternal difference in a child's life. Consider becoming a Thriving Kids Ambassador by giving today. Every gift of $62 helps a child not only survive but thrive through the love of Christ. To join this mission, visit crossinternational.org/faith. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationCross InternationalLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

“I have no greater joy than to hear that my children are walking in the truth.” - 3 John 1:4 In that verse, the Apostle John praises his friend Gaius and other believers for their generosity toward missionaries. As parents, we want our children to be generous toward God’s Kingdom. Dr. Art Rainer joins us today with some steps we can take to grow our kids in generosity. Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is also the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money and the Secret Slide Money Club, a book series designed to teach young readers about God’s way of being wise with money. Why Teaching Generosity Matters Parenting is a high calling. Everything we say and do influences our children’s lives, shaping their worldview and their relationship with God. Generosity is part of God’s plan for His people, so we must intentionally guide our kids away from selfishness and toward selflessness. But how do we teach children to be generous when human nature tends to favor holding on rather than giving away? It starts with a few key principles. 1. Model Gratefulness Before kids can learn to give, they must first recognize the blessings they’ve received. A heart of gratitude fosters a heart of generosity. everything belongs to God Gratefulness leads to an open-handed posture toward money and possessions. 2. Talk About Generosity Children won’t naturally connect giving to their faith unless we explain it to them. Conversations about generosity help shape their understanding of why we give. God first gave to us 3. Model Generosity in Everyday Life Kids have a strong radar for hypocrisy. If we talk about generosity but don’t practice it, they’ll notice. That’s why we must demonstrate generosity in tangible ways. see “Have you ever needed help? How did it feel when someone helped you?” When children witness generosity in action, they begin to understand its value. 4. Let Them Earn and Give For kids to truly grasp generosity, they need to experience both the sacrifice and joy of giving. One way to do this is by allowing them to earn their own money. chooseHandling their own money makes giving more meaningful and personal. 5. Prioritize Giving to the Local Church One of the best ways to instill a habit of generosity is by encouraging children to give to their church. 6. Encourage Giving with Joy, Not Guilt Giving should be joyful, not forced. Pressuring kids to give out of obligation can lead to resentment rather than a cheerful heart. Instead, celebrate their generosity and show them the blessings that come from giving freely. As 2 Corinthians 9:7 reminds us, “God loves a cheerful giver.” Raising generous children requires intentionality. By modeling gratefulness, discussing generosity, and providing opportunities for them to give, we can help shape their hearts to reflect God’s generosity. Want to dive deeper into this topic? You can read more in Faithful Steward, FaithFi’s brand-new quarterly publication that equips families to align their faith and finances for God’s glory. To start receiving Faithful Steward every quarter, become a FaithFi Partner by giving $35 or more per month or $400 annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox. On Today’s Program, Rob Answers Listener Questions: 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...

You want to give generously to your church, but your non-believing spouse objects. What do you do? We occasionally get that question, and it’s a situation that must be handled with care. If you or someone you know is in that position, don’t miss today’s program, as Ron Blue is here with some sage advice. Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.” Biblical Principles for Giving in Marriage There are two key biblical principles to consider when navigating giving disagreements in marriage: Marriage is more important than money. Submission and honor in marriage matter.“submit to one another out of reverence for Christ,”“are no longer two, but one flesh. What therefore God has joined together, let not man separate.”Ultimately, financial decisions—including giving—should be made together, with mutual understanding and agreement. Ron’s Personal Story: When His Wife Wanted to Tithe Ron has firsthand experience with this issue. When his wife, Judy, became a Christian, she wanted to tithe. But at the time, Ron was not a believer and giving was the last thing on his mind. Instead of forcing the issue, Judy decided to remain silent about it for two years. However, she lived a transformed life, which was compelling to Ron. Her quiet witness ultimately softened his heart and led him to faith in Christ. This aligns with the biblical wisdom of 1 Peter 3:1-2, which encourages wives to live in such a way that they may win their husbands to Christ “without a word, by the conduct of their wives, when they see your respectful and pure conduct.” Judy’s patient, godly approach allowed Ron to come to faith in his own time, and ultimately, they found joy in giving together. Building Unity in Giving as a Couple Once Ron became a Christian, he and Judy intentionally set aside time to align their financial goals—including giving. Twice a year, they would take a weekend away to pray, discuss their finances, and determine their giving goals. Ron’s perspective on giving is clear: The tithe is a starting point. Giving should be joyful and unified.As Ron says, “The only way you can break the power of money is to give.” Practical Steps for Couples Navigating Giving Disagreements If you and your spouse are struggling to agree on giving, consider these steps: Prioritize your marriage. Listen openly. Share why giving is important to you. Find a giving framework you both can support.At the end of the day, God doesn’t need our money—He wants our hearts. And He wants our marriages to reflect His love and unity. If you and your spouse are wrestling with this issue, focus first on fostering understanding and alignment. When you give together with a joyful heart, the blessing is even greater. If you’d like to read more on this topic, Ron Blue’s full article on this subject is featured in our new quarterly publication, Faithful Steward. To receive it in your mailbox every quarter, become a FaithFi Partner at $35 a month or $400 annually at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationBankrateNerdWalletAnnualCreditReport.comLook 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.

Many of us are quick to offer help to others but struggle when it comes to asking for help ourselves. Why is that? As Christians, we are known for our generosity and willingness to assist those in need. However, when it’s our turn to seek help, we often hesitate. Let’s explore why that is—and why asking for help is not only okay but also glorifies God. The Reluctance to Ask for Help Churches frequently establish benevolence funds to support members going through financial hardships. Most of us gladly contribute to these funds, eager to help those in need. But when the tables turn, and we are the ones facing difficulties, we often resist seeking assistance. One common reason is that we don't want to burden others. Many of us would rather go without—sometimes even at the expense of our families—than impose on someone else. However, the Bible challenges this mindset. Galatians 6:2 reminds us to “Bear one another's burdens, and so fulfill the law of Christ.” God's design for us is not self-sufficiency but a supportive Christian community where burdens are shared. Another reason we shy away from asking for help is the fear of appearing weak or vulnerable. We convince ourselves that no one can or wants to help us. Yet, this reluctance can sometimes stem from pride. Proverbs 11:2 warns, “When pride comes, then comes disgrace, but with the humble is wisdom.” Asking for help—especially financial help—requires humility. It can be difficult to admit mistakes or acknowledge needs, but it’s an opportunity for growth. Whether our difficulties arise from poor decisions or unforeseen circumstances, God can use them to shape our character and deepen our dependence on Him. Biblical Examples of Receiving Help Even the Apostle Paul, a pillar of faith, received financial support for his ministry. In Philippians 4:19, he expresses gratitude, saying, “And this same God who takes care of me will supply all of your needs from his glorious riches, which have been given to us in Christ Jesus.” Furthermore, Jesus Himself accepted help from others. Luke 8:1-3 tells us that Mary Magdalene, Joanna, and Susanna provided financial support for His ministry. If the Son of God was willing to receive help, shouldn't we be willing to do the same? If you find yourself in need, start by sharing your situation with your church community. Even if no one within the church can help directly, they might know someone who can. The Body of Christ is a vast network of believers who are ready and willing to offer support in various ways. Seeking help not only benefits you but also provides others with an opportunity to fulfill their calling to generosity. When we withhold our needs, we deny them the blessing of giving. Asking for Help Glorifies God The ultimate reason to ask for help? It glorifies God. In 2 Corinthians 12:9, Paul writes, “For when I am weak, then I am strong.” Acknowledging our weakness allows God’s strength to shine through and reminds us of our dependence on Him. When you pray and ask God for help, He often answers through people and opportunities, not supernatural interventions. 1 John 5:14 assures us that “if we ask anything according to his will, He hears us.” By seeking help, we acknowledge our reliance on God, invite others to be part of His provision, and foster a deeper sense of community and mutual support. If you're facing financial difficulties, don't hesitate to ask for help. Whether it's from your church, a trusted friend, or even a financial advisor, remember that seeking help is not a sign of weakness—it's an act of faith and humility. If you’d like to meet with a Certified Kingdom Advisor (CKA) or a Certified Christian Financial Counselor, you can visit FaithFi.com and click “Find A Professional”. Take that step today. In doing so, you allow others to serve, grow in generosity, and bring glory to God through their kindness and your humility. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful...

What financial lessons can we learn from a tax collector who climbed a tree? Stay tuned and find out. Of course, you know I’m talking about Zacchaeus in Luke 19. That story is filled with important teachings about money, stewardship, and generosity. Dr. Kelly Rush joins us today with some interesting observations about the life of Zacchaeus. Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. The Cultural and Financial Context of Zacchaeus In first-century Israel, political, social, and religious divides were as prevalent as they are today. Labels like Pharisee, Sadducee, and zealot carried heavy connotations, just as terms like Democrat or Republican do in our culture. Among the most despised figures in Jewish society were the tax collectors, or publicans, who collected tribute for the oppressive Roman Empire. A publican acted as a financial middleman, collecting various taxes such as road tolls, harbor dues, and purchase levies. Chief publicans, like Zacchaeus, oversaw entire regions and often amassed great wealth by overcharging and exploiting their fellow Jews. Essentially, publicans were seen as greedy traitors who profited from an unjust economic system—what we would call white-collar criminals today. Zacchaeus' position as chief publican meant he was not just a participant but a leader in this corrupt system. However, his story took a radical turn when he encountered Jesus. A Life-Changing Encounter with Jesus In Luke 19, Jesus is passing through Jericho, heading to Jerusalem for Passover. Despite being days away from His crucifixion, Jesus takes the time to walk through the town, looking for Zacchaeus. Zacchaeus, unable to see over the crowd because of his short stature, humbles himself by climbing a sycamore tree to catch a glimpse of Jesus. In a moment of divine grace, Jesus stops, looks up, and calls Zacchaeus by name, inviting Himself to his house. This moment showcases a beautiful truth: while Zacchaeus was seeking Jesus, Jesus was already seeking him. The turning point in Zacchaeus' story comes when he joyfully receives Jesus and declares his willingness to make restitution: This response highlights a powerful principle: true financial transformation begins with a changed heart. Zacchaeus' generosity wasn't an attempt to earn salvation, but a response to the salvation he had already received. Lessons from Zacchaeus' Financial Testimony Jesus Seeks the Lost, No Matter Their Financial Past Repentance Leads to Action Money Reflects the Heart Salvation Precedes Stewardship "Today salvation has come to this house"Many people struggle with shame over their financial decisions, preferring to keep them hidden from God and others. Zacchaeus, however, openly acknowledged his financial failures and took steps to correct them. His story reminds us that God’s grace covers our past, and He calls us into a new future of faithful stewardship. Zacchaeus' story ends with a bold proclamation: "Look, Lord, here and now I give!" His financial testimony stands as a powerful example of what happens when we allow Jesus to transform not just our hearts, but our wallets as well. Let Zacchaeus' example inspire you to take an honest look at your finances, surrender them to God, and trust Him to guide you in stewardship that honors Him. Faithful Steward: FaithFi’s New Quarterly Publication You can read Dr. Kelly Rush’s full article on Zacchaeus in our new quarterly publication, Faithful Steward. Get your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or more or an annual contribution of $400 or more. Find out more at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward...

“Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use, it will be measured back to you.” - Luke 6:38 Jesus’ words in the Sermon on the Plain are a reminder that we should look for ways to be generous with all aspects of our finances, including investments. Brian Mumbert is here today to share some helpful ideas. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance. Dispelling the Myth: Performance vs. Values A common misconception in Faith-Based Investing is that investors must compromise financial performance to adhere to their values. Since the inception of Faith-Based Investing in 1994, the industry has made tremendous strides. What started with limited resources and headwinds has now evolved into a robust market with proven fund management, strong fundamentals, and competitive returns. Today, investors can achieve great risk-adjusted returns while staying true to their faith-based principles. Many investors have questions about whether they should tithe off their investment gains. In Luke 12, Jesus instructs us to store treasures in heaven where they cannot decay or be stolen. Additionally, 2 Corinthians 5:1-2 reminds believers that this world is not our home, and we are merely stewards of God’s resources. Unfortunately, statistics show that the average American earning over $150,000 annually gives only 1.7% of their income, with Christians slightly higher at 2.5%. Tithing on investment gains is an opportunity to demonstrate faithfulness and generosity. Timothy Plan's Commitment to Tithing Timothy Plan leads by example, tithing off the revenue it receives from mutual funds. The company sees this as an act of obedience and stewardship, using their resources to support causes that align with their mission. From funding crisis pregnancy centers to promoting faith-based media and supporting biblical entrepreneurs in underprivileged areas, Timothy Plan goes beyond just making money for investors—they are actively contributing to kingdom work. When it comes to deciding where to allocate their charitable contributions, Timothy Plan follows a thoughtful approach. They look at “the other side of the screen,” meaning they support organizations that counteract the very issues they stand against. For example, as a pro-life, pro-family investment firm, they support crisis pregnancy centers and organizations like Movie Guide, which advocate for family-friendly entertainment in Hollywood. Their impact extends locally in Orlando, Florida, and globally across the world. Looking Ahead: What's New at Timothy Plan With new seasons ahead for the country, faith-based investing remains a powerful tool to influence culture and financial stewardship. For those interested in aligning their investments with their values and making an impact through Faith-Based Investing, Timothy Plan offers a variety of investment options. Visit TimothyPlan.com to explore their offerings and learn more about their mission. On Today’s Program, Rob Answers Listener Questions: Movement MortgageResources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationTimothy PlanMovement MortgageBankrate.comLending TreeLook 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 prudent see danger and take refuge, but the simple keep going and pay the penalty.” - Proverbs 22:3 That verse is all about how critical it is to look ahead and spot potential problems so you have more time and resources to fix them before they happen. Harlan Accola joins us today to discuss the dangers of keeping mortgage payments into our retirement years. Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, which is an underwriter of this program. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. The Changing Landscape of Retirement and Debt Today’s retirees face a vastly different financial landscape compared to previous generations. In 2024 alone, 4.2 million people will turn 65, and more than 50% of them are still making mortgage payments—the highest percentage in history. This contrasts sharply with previous generations, where fewer than 5% of retirees carried mortgage debt into retirement. Several factors contribute to this shift: Rising Home Prices: Longer Mortgage Terms: Financial Strain:This financial burden often leads to seniors neglecting their retirement savings, relying on credit cards, and facing increased financial stress. The Hidden Debt Burden Beyond Mortgages In addition to mortgage payments, credit card debt is at an all-time high among retirees. This generation was the first to widely adopt credit cards, often using them for convenience and rewards. However, unexpected life events—such as health crises, job losses, or the death of a spouse—can quickly turn manageable credit card balances into long-term debt. For retirees struggling with both mortgage and credit card debt, the combination can create a domino effect, draining their financial resources and limiting their options. A Solution: Reverse Mortgages Many seniors with more than 50% home equity have an opportunity to improve their financial situation through a reverse mortgage. This option allows seniors to: Eliminate Mortgage Payments: Create an Income Stream: Preserve Retirement Funds:The Unique Benefits of Reverse Mortgages Unlike traditional loans, a reverse mortgage is considered non-recourse debt, meaning that seniors will never owe more than the value of their home. This provides a level of financial security, even in the event of a housing market downturn. Reverse mortgages allow seniors to stay in their homes while making payments optional and, in some cases, converting their home equity into a steady source of income—all without financial risk beyond their home's value. By understanding and utilizing the tools available, seniors can achieve greater financial freedom and peace of mind in their retirement years. If you or a loved one are struggling with mortgage payments in retirement, a reverse mortgage with Movement Mortgage may be worth exploring. For more information, visit movement.com/faith to connect with Harlan Accola and explore your options. On Today’s Program, Rob Answers Listener Questions: Christian Credit CounselorsResources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationMovement MortgageChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom 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 would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss. It’s true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other’s values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it. Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, as well as a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself with her husband, Jeff, and has written several books with him revealing impactful truths about relationships at home and in the workplace. A Lesson Learned Over Dinner Shaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal. It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could better communicate and honor each other's perspectives. The Root of Money Conflicts in Marriage Financial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff’s national study, they found that: For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values. The Power of Communication The solution to money conflicts isn’t just budgeting or financial planning; it’s communication. It’s crucial that couples discuss not just what they want to spend money on, but why it matters to them. By having open and honest conversations about financial priorities, couples can: While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management. Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage. At the heart of every financial decision in marriage lies an opportunity—to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other’s values, couples can turn money from a source of conflict into an instrument of peace and purpose. Faithful Steward: FaithFi’s New Quarterly Publication To dive deeper into this topic, read Shaunti Feldhahn’s full article in the first edition of Faithful Steward, FaithFi’s new quarterly publication. Receive your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or an annual contribution of $400. Learn more at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationThriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueLook At The Sparrows: A 21-Day Devotional on...

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children…” But while the Bible emphasizes the importance of leaving an inheritance, it doesn’t provide a step-by-step guide. That’s where careful planning and biblical wisdom come into play. Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs. The Common Approach: Equal Division One of the most common phrases in wills is, “My estate will be divided equally among my children.” This approach seems fair and straightforward, especially when the estate consists entirely of financial assets. However, complications arise when property, such as a home or vacation property, is included. When real estate is left to multiple heirs, they face tough decisions: Joint ownership:Sell and split proceeds:Buy out: These decisions can quickly lead to financial and emotional challenges without clear guidance. The Hidden Challenges of Inheriting Property Leaving property to multiple heirs often creates unexpected burdens, both financial and emotional. Properties come with ongoing expenses, including: Who makes decisions about upkeep? How are expenses divided? And what happens if one heir can’t—or won’t—pay their share? These issues can turn a blessing into a burden. Emotions can also complicate property decisions, especially when tied to childhood memories. Disagreements over minor details—like paint colors or furniture placement—can spiral into larger conflicts. Long-buried resentments may resurface, particularly if one sibling is named executor and perceived as having undue authority. Practical Solutions to Prevent Conflict To avoid these challenges, consider these strategies: Treat Property Like Any Other Asset Many estate experts recommend stipulating in your will that all property is to be sold, with proceeds divided among heirs. This approach provides clarity and avoids forcing heirs into joint ownership. Allow for Flexibility Some heirs may wish to “buy out” the others to retain the property. By structuring your will thoughtfully, you can provide this option while ensuring a fair division of the estate. Consider Unique Needs Ron Blue, author of Splitting Heirs, suggests that “if you love your children equally, you will treat them uniquely.” Equal division may not always be the wisest choice. Consider factors like financial need and money management skills when planning your estate. The key to preventing conflict lies in communication. Discuss your estate plans openly with your family so they understand your decisions and the reasoning behind them. This transparency eliminates surprises and fosters unity among your heirs. Seek Professional Guidance Creating or updating a will is a critical step that requires professional expertise. Work with an estate attorney who shares your Christian worldview to ensure your wishes align with biblical values. Certified Kingdom Advisors are an excellent resource; visit FaithFi.com to find one near you. By planning thoughtfully and communicating clearly, you can leave your children and grandchildren not only a financial inheritance but also a legacy of love and wisdom. Proverbs 13:22 reminds us of the importance of stewardship—not just in what we leave behind but in how we prepare to pass it on. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationChristian Credit CounselorsChristian Healthcare Ministries (CHM)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMoney, Possessions, and Eternity: A Comprehensive Guide to What the...

Larry Burkett once said, “The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.” These words remind us that stewardship is not just about money or tithing—it’s about faithfully managing everything God has entrusted to us. As believers, we’re called to be stewards because God created and owns everything. Our role is to manage His resources wisely for His purposes. But how can we know if we’re fulfilling this calling? To guide our journey of faithfulness, let’s explore the seven marks of a good steward. 1. Acknowledging God’s Ownership Good stewards recognize that everything belongs to God, including their resources, skills, and abilities. They understand they’re temporary managers entrusted with God’s gifts for His purposes. Scripture to Reflect On:“You shall remember the Lord your God, for it is he who gives you power to get wealth.”2. Understanding Their Mission Good stewards grasp the significance of their role in God’s plan. They take their responsibilities seriously but approach them with humility, knowing they’re part of something greater than themselves. Scripture to Reflect On:“Commit your work to the Lord, and your plans will be established.”3. Faithfulness in Action Faithfulness is at the heart of stewardship. This includes following God’s financial principles: earning, saving, investing, and, most importantly, giving. Faithful stewards persevere, trusting that God will honor their obedience. Scripture to Reflect On:“Whoever can be trusted with very little can also be trusted with much.”4. Trustworthiness Good stewards are honest and trustworthy in all they do. Integrity builds a foundation for effective stewardship, honoring God, and earning the trust of others. Scripture to Reflect On:“Moreover, it is required of stewards that they be found faithful.”5. Diligence in Their Work Stewards are diligent, actively using what God has given them rather than neglecting or mismanaging it. They commit to working as if serving the Lord in all they do. Scripture to Reflect On:“Whatever you do, work heartily, as for the Lord and not for men.”6. Prayerful Dependence Good stewards seek God’s guidance through prayer, trusting in His wisdom and provision. Prayer frees them from anxiety and anchors them in God’s peace. Scripture to Reflect On:“Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.”7. Spirit-Led Action Finally, good stewards act when the Holy Spirit leads, preparing their minds and hearts for action and living in obedience to God’s will. Scripture to Reflect On:“Preparing your minds for action, and being sober-minded, set your hope fully on the grace that will be brought to you.”Dependence on God’s Grace These seven characteristics set a high standard, reminding us that stewardship is more about faithfulness than perfection. We can’t meet these marks in our own strength. Instead, we depend on God’s grace and the power of the Holy Spirit to walk in obedience. Let’s commit to being faithful stewards, trusting that God will equip us for the journey. As 1 Corinthians 4:2 reminds us, “Those who have been given a trust must prove faithful.” May we glorify God in all we do, managing His gifts with care and purpose. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornNational Registry of Unclaimed Retirement BenefitsLook At The Sparrows: A...

Sometimes, you have to travel far to learn about things close to home—like your finances. They say that “travel is broadening”—that it expands your horizons and increases your understanding of how things really work. Sharon Epps experienced that recently on the tram in the Netherlands, and today, she’ll share some financial lessons she learned along the way. Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Faith, Finance, and the Tram During a recent Christmas visit to The Hague, Sharon enjoyed time with her family and learned valuable lessons riding the Dutch tram system. These lessons beautifully parallel financial wisdom rooted in faith. Let’s explore these five lessons and how they can guide us in making faith-filled financial decisions. 1. Plan in Advance Before boarding the tram, you need to purchase a card or use an app like Apple Pay—cash isn’t accepted. If you’re unprepared, you’ll find yourself stuck. Financial Takeaway: Life transitions and financial goals require preparation. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Look ahead and make thoughtful plans for the future. 2. Make Decisions Based on Principles Interestingly, there are no instructions on using the card readers. Observing others reveals the steps: scan in when boarding and scan out when exiting. It’s a system based on principles rather than explicit instructions. Financial Takeaway: Life doesn’t come with a step-by-step manual for every situation. However, God’s Word is full of enduring principles. Base your financial decisions on these, rather than rigid rules, to stay aligned with His will. 3. Avoid Decision-Making Traps Sharon missed her tram stop because she was looking in the wrong direction. She realized too late that the doors she needed were behind her. Financial Takeaway: Evaluate multiple alternatives before making decisions. Avoid getting stuck with the first option that comes to mind, as it might not be the best one. Broaden your perspective to avoid costly mistakes. 4. Seek Godly Counsel After missing her stop, Sharon was unsure what to do next. A kind pair of Dutch women guided her to the next stop and helped her find her way back. Financial Takeaway: Life is full of unexpected turns. Seeking wisdom from God and godly counselors can help you navigate challenges and make wise choices. Proverbs 15:22 teaches, “Plans fail for lack of counsel, but with many advisers they succeed.” 5. Know What You Have After several rides, Sharon realized she needed to check the balance on her tram card and top it up. Financial Takeaway: Just as you must track the balance on your card, you need to know the condition of your financial resources. Proverbs 27:23–24 reminds us, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” Awareness of your financial position is crucial for wise stewardship. Life Moves Fast—Stay Prepared Riding a tram requires quick decision-making—boarding, exiting, and navigating—all while staying prepared for the next leg of the journey. Financial decisions can feel the same way. By applying these five lessons—planning ahead, basing decisions on principles, avoiding traps, seeking counsel, and staying informed—you’ll be better equipped to navigate life’s financial challenges. If we adopt these principles in our financial decision-making, we won’t find ourselves getting off at the wrong stop and scrambling to figure out our way back. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationSavingForCollege.comTimothy PlanLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on...

Major changes are likely coming for the U.S. economy. Will you be ready for them? We have a new president who’s pledged to overhaul the economy. How will that affect investors and the markets? Mark Biller joins us today with a plan for managing “anticipated disruption.” Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Learning from the Past: Market Trends in Review Before diving into predictions, it’s essential to recognize the value of reviewing recent market trends. Forecasting is often unreliable, so Sound Mind Investing focuses on building robust portfolios that can withstand a variety of market conditions. Key Observations from 2024: Strong Stock Market Performance:Struggles in Bonds: Rather than predicting, SMI uses trend-following strategies, aligning portfolios with market behavior to enhance resilience against uncertainties. What Could End the Bull Market? Bull markets typically end due to two primary catalysts: Federal Reserve Rate Hikes:Economic Recessions:However, investors should remain prepared for routine market corrections (10-15%), which are typically short-lived and not worth major portfolio adjustments. Trump 2.0: Policy Changes and Market Impacts President Trump’s second term brings both optimism and uncertainty. Business-friendly policies like tax cuts and deregulation are expected to boost growth, but his stance on disrupting global free trade could create volatility. Key Policy Areas to Watch: Immigration and Tariffs:Deficit Reduction:Energy and Taxes:Wall Street’s response will likely depend on how aggressively these policies are implemented. While markets thrive on stability, Trump’s approach could introduce significant fluctuations. The National Debt: An Ongoing Challenge Reducing the national debt remains a pressing issue, but Mark is skeptical about achieving a balanced budget in the short term. Growth-driven strategies may help manage deficits, but cutting government spending poses immediate challenges for economic momentum. Staying the Course Amid Uncertainty With many moving parts, confidently predicting cumulative economic and market outcomes is impossible. However, investors should: The focus should remain on steady progress toward financial goals rather than reacting to short-term disruptions. For a deeper dive into these topics and actionable strategies, read Mark’s full article, “Trump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption.” This article offers a clear framework for understanding the potential market impacts of Trump’s second term while encouraging a disciplined investment approach. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationTrump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption by Mark Biller (Sound Mind Investing Article)Sound Mind InvestingLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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 plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty." - Proverbs 21:5 That verse is often used to encourage people to avoid “get rich quick” schemes and other risky investments. However, it also conveys a message about budgeting. Dr. Shane Enete joins us today to discuss why budgeting is a form of worship. Dr. Shane Enete is an Associate Professor of Finance at Biola University and the author of the brand new book, “Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.” Why Do People Dislike Budgeting? Many people react negatively to the idea of budgeting. A CNBC article titled "People hate budgeting" spotlighted a financial professional who observed that over 60% of her clients felt as though they were "literally going to suffer" at the mere mention of budgeting. The misconception that budgeting is about reducing spending or losing freedom often drives this aversion. In reality, budgeting is a tool for aligning financial resources with personal and spiritual goals. Look at King David, for example, during his preparation for building the temple in 1 Chronicles 28–29. David’s detailed planning and joyful devotion in allocating resources for God’s temple exemplify budgeting as an act of worship. He saw his financial planning as a way to serve God and inspire others to do the same. This narrative offers a powerful reminder that budgeting can be a means of glorifying God and building His kingdom. Budgeting as Intentionality A Plan for Worship Daily Acts of Gratitude Aligning with God’s Heart Breaking the Power of Money Through Generosity Budgeting also unlocks the potential for generosity. As Ron Blue has said, “Giving breaks the power money can have over us.” By setting financial priorities, we can intentionally allocate resources to support others and further God’s work. William Wilberforce, a British politician, philanthropist, and movement leader to abolish the slave trade, once said, “By careful management, I should be able to give at least one-quarter of my income to the poor.” This kind of strategic generosity reflects a heart fully surrendered to God. A Transformative View of Budgeting Budgeting, when seen through the lens of worship, shifts from being a dreaded task to a joyful act of devotion. It enables us to live intentionally, reflect God’s character, and manage His resources wisely. By embracing this perspective, we not only honor God but also experience the freedom, joy, and resilience that come from living as faithful stewards. If you’d like to dive deeper into this topic, check out Dr. Shane Enete’s article, Budgeting as Worship, in the quarterly publication Faithful Steward. You can receive this resource by becoming a partner at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationWhole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy by Dr. Shane EneteLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

One of the most common questions people ask is, “How much will I need to retire?” The answer is, “It depends.” It depends on your lifestyle, needs, and one key factor: how much you’re willing and able to cut from your budget. Let’s explore how thoughtful adjustments can help you bridge the retirement income gap and make this season of life meaningful and fulfilling. Understanding Retirement Income Most retirees experience a drop in income. While many work-related expenses disappear—like commuting, clothing, and dining out—studies show the average retirement budget is about 60% of pre-retirement income. Experts generally recommend aiming for 75-80% of your working income to cover expenses. For example, if you’re earning $75,000 annually, you’ll need approximately $56,000 in retirement. However, if Social Security and investments only generate 60% of your income, you’ll face a shortfall of $11,250 annually—or $940 per month. To bridge that gap, you can: How to Cut Retirement Expenses 1. Downsize Your Home If your large family home is mostly empty, consider downsizing. A smaller home reduces: Additionally, selling your home can free up cash to convert into an income stream. If you’ve lived in the house for two of the last five years, you can exempt up to $250,000 in capital gains (or $500,000 for married couples). 2. Reduce Transportation Costs Without work commutes, you may not need two vehicles. Selling one: Consider ride-sharing services for occasional conflicts when you and your spouse need to be in different places at the same time. 3. Drop Unnecessary Insurance Policies Some insurance becomes unnecessary after retirement: Disability Insurance:Life Insurance:4. Eliminate Debt Carrying consumer debt, such as credit card balances, into retirement can significantly drain a reduced income. Instead, use the savings from downsizing, selling a vehicle, or cutting insurance to pay off high-interest debt as quickly as possible. Embrace the Opportunity to Give Retirement isn’t just about cutting expenses—it’s also about finding purpose. With more free time, consider serving your church or favorite ministry. Retirement offers an incredible opportunity to pour your wisdom and experience into others for God’s glory. Retirement can be one of the most fulfilling seasons of your life. You can find contentment and purpose by thoughtfully managing your expenses and seeking God’s guidance. Remember, Christians don’t retire from something but to something. Ask God how He wants you to use this season for His glory, and trust Him to provide for your needs. On Today’s Program, Rob Answers Listener Questions: 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.

If you’re wondering what the economy will do in 2025, you don’t want to miss this program. Few major league hitters can bat .300 in a given season. Imagine hitting .700! That’s what Bob Doll does every year: forecasting economic trends. He joins us today with his ten predictions for 2025. Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets like Bloomberg TV, Fox Business, and CNBC. Key Economic Predictions: Fewer Tailwinds, More Tail Risks The theme of Doll’s predictions signals a shift: Fewer Tailwinds:More Tail Risks:Doll shares insights on everything from inflation to sector performance. Let’s dive into his top predictions for the year ahead. 1. Slower Economic Growth and Rising Unemployment Doll predicts economic growth will slow as unemployment rises past 4.5%. While this signals a cooling job market, he emphasizes that a 4.5% unemployment rate is historically low and not cause for alarm. 2. Sticky Inflation and Limited Rate Cuts Inflation is expected to remain stubbornly above the Federal Reserve’s 2% target. This will likely limit the Fed’s ability to reduce interest rates, continuing the challenges seen in 2024. 3. Treasury Yields and Credit Spreads Treasury yields are forecasted to trade between 3.75% and 4.75%, with credit spreads widening slightly as the economy slows. While this doesn’t point to a recession, it reflects tighter financial conditions. 4. Slower Earnings Growth Doll anticipates earnings growth will fall short of the optimistic 14% consensus, noting that such high growth is rare without a post-recession recovery. 5. Increased Volatility After a period of low volatility, Doll predicts the VIX (Volatility Index) will approach 20, reflecting greater market uncertainty. He advises investors to remain disciplined and avoid emotional reactions to market swings. 6. A 10% Market Correction Doll foresees a 10% correction in 2025, emphasizing that such corrections are normal and should be viewed as buying opportunities for long-term investors. 7. Equal-Weighted Portfolios Outperform Cap-Weighted Portfolios Doll expects equal-weighted portfolios to outperform cap-weighted ones as the dominance of mega-cap stocks like the “Magnificent Seven” wanes. 8. Value Outperforms Growth After years of underperformance, value stocks are projected to outshine growth stocks, driven by cheaper valuations. 9. Top Performing Sectors Doll predicts financials, energy, and utilities will outperform sectors like healthcare, technology, and industrials. While technology remains essential, high valuations could temper its returns. 10. Tax Cuts and Reduced Regulation With the Trump tax cuts set to expire in late 2025, Doll anticipates extensions alongside reduced regulations. However, divisive policies like tariffs and deportation may have limited economic impact. 11. Budgetary Challenges Efforts to address government spending will face significant hurdles, with key programs like Social Security, Medicare, and defense spending off the table. Progress will likely fall short of ambitious deficit reduction targets. Preparing for 2025 Doll acknowledges that predicting the future is inherently uncertain, but his insights provide valuable context for navigating the year ahead. He advises investors to stay diversified, remain disciplined, and prepare for volatility. As we embrace 2025, let’s remember that while economic trends may fluctuate, wise stewardship and long-term planning remain steadfast principles for financial success. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationCrossmark Global InvestmentsBankrateChristian Community Credit Union (CCCU)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor...