Faith & Finance

When it comes to money, most people are searching for two things: security and peace of mind. That’s understandable—life is unpredictable, expenses arise, and markets swing. But what if true peace isn’t found in your circumstances at all? Financial wisdom doesn’t start with a budget or a savings plan. It begins with trust—specifically, trusting in the Lord. Proverbs 3:5–6 reminds us, “Trust in the Lord with all your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make straight your paths.” If you chase peace through your paycheck or portfolio, you’ll always come up short. But when Christ is your foundation, you begin to see money in a new light—not as a source of peace, but as a tool to steward. Five Secrets to Financial Wisdom from God’s Word 1. Know Who Owns It All. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” Everything belongs to God—your income, your retirement, even your ability to earn. That means we’re not owners; we’re stewards, entrusted with God’s resources to manage faithfully. 2. Spend With Purpose. Jesus asks in Luke 16:11, “If you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” Spending should reflect God’s priorities—giving, saving, living within your means, and investing in eternal impact. 3. Avoid the Slavery of Debt. Proverbs 22:7 warns, “The borrower is slave to the lender.” Debt can limit your freedom to give and respond to God’s calling. Wise stewards build margin and pursue freedom—not because debt is always wrong, but because freedom is better. 4. Save With Perspective. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Saving isn’t about hoarding; it’s preparation for what God might have ahead. But remember: your security isn’t in your savings—it’s in the Savior. 5. Give First, and Freely. 2 Corinthians 9:7 tells us, “God loves a cheerful giver.” Generosity reflects God’s heart. It breaks the grip of greed and aligns us with His Kingdom. When we give, we declare, “God, I trust You more than I trust this money.” Anchored in Christ Following these biblical principles won’t guarantee worldly success. Even the most faithful stewards face trials. But when your foundation is Christ, you’re anchored. Isaiah 33:6 says, “He will be the sure foundation for your times, a rich store of salvation and wisdom and knowledge.” So if you’re looking for security or peace, don’t start with a spreadsheet—start with surrender. Financial wisdom begins when you recognize that your Provider is also your Redeemer. And in Him, you have more than enough. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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 work to live…or live to work? For many, the answer is simple: “I work to make a living.” But what if there’s more to work than just earning a paycheck? Could it be that work holds deeper meaning—something essential to who we are and how we’re made? David Bahnsen joins us today to offer a perspective on work you might not have considered. David Bahnsen is the Founder, Managing Partner, and Chief Investment Officer of The Bahnsen Group, a national private wealth management firm managing over $7 billion in client assets. He is a frequent guest on CNBC, Bloomberg, Fox News, and Fox Business. He is also the author of Full Time: Work and the Meaning of Life. Rethinking Work and Identity We live in a world that often tells us our identity has nothing to do with our work. Unfortunately, that idea has not only crept into culture but also into the church. But let's be honest: that’s simply not true. Our identity is tied to our work—not in the sense that a job title defines us, but because we are made in the image of a working God. We all instinctively know this. We don’t look at someone who is contributing meaningfully to society and compare them equally to someone who spends every day in idleness. That’s not about transactional worth—it’s about reflecting the nature of our Creator. God created us to be productive, useful, and active. That’s not a controversial claim. It’s Genesis 1. Work isn’t all of who we are, but it is a vital part of who we were created to be. Too often, we treat faith like an add-on. We make decisions about money, career, education, even family, and then sprinkle a few Bible verses on top. But the goal isn’t to balance faith and work—it’s to integrate them. That begins by grounding our understanding of work in a creational theology: God made work good. What we need in the church is not more dichotomy between sacred and secular, but an integrated vision that sees every good job—yes, even spreadsheets, sales, and software—as part of God’s design. This mindset shift must begin in our pulpits. Our congregations need to hear that their Monday through Friday labor is not second-tier spiritual activity. It is sacred. The Relationship Between Work and Rest Instead of chasing a “work-life balance,” Scripture offers a “work-rest paradigm.” God modeled six days of work followed by one day of rest—not the other way around. The purpose of rest isn’t to escape work; it's to be restored for more of it. Rest has meaning because work has meaning. That’s why we push back on the cultural narrative that says rest, leisure, and early retirement are life’s ultimate goals. While rest is essential, its purpose is to equip us to return to the good, God-glorifying work He’s called us to do. Culture often treats retirement as the finish line—an end to productivity, as if people cease to offer value once they reach a certain age. But that view is deeply flawed. We must challenge the financial industry’s narrative that the goal is to accumulate enough so that we never have to work again. That mindset undermines the dignity and purpose of work. Yes, physical limitations may alter what work looks like in later years, but wisdom, experience, and the capacity to contribute remain. Companies and churches alike lose something precious when they usher older workers out instead of tapping into their gifts. Job, Career, or Calling? So, how should we think about our work? Is it just a job? A stepping stone? Or something more? Every Christian, no matter their vocation, should view their work as a calling. That doesn’t mean God gives us a divine word about every job transition, but it does mean that the act of producing goods and services, solving problems, and serving others is inherently meaningful. That’s our calling: to work with excellence, for the good of others, and the glory of God. To young adults wondering what to do with their lives: Don’t believe the lie that you need to find your dream job tomorrow. Instead, embrace...

How do you live a life that truly flourishes—not just financially, but in every area God cares about? Today, we’re talking about how to live with purpose, peace, and wisdom by following God’s design for life. Ron Blue joins us to unpack biblical principles that lead to flourishing, not through formulas, but through faithfulness. Ron Blue is the co-founder of Kingdom Advisors and the author of numerous books on biblical finance, most notably "Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment." Flourishing Begins with a Different Foundation As followers of Christ, we’re not simply aiming for a better life—we’re called to a different one. A life that flourishes isn’t measured by worldly success, but by alignment with God’s design. When we understand that, everything changes. The life God created for each of us is unique. When we live according to His wisdom, we flourish—not because we have more, but because we are living as He intended. Flourishing means experiencing contentment that doesn’t depend on circumstances. We don’t need money to be content. We don’t need approval to feel secure. Why? Because we are fully loved by the God who promises never to leave us or forsake us. Stewardship Is the Starting Point If we want to flourish, we must begin with stewardship. Everything we have—our time, talents, relationships, money—comes from God. He owns it all. We’re not owners; we’re managers. When we recognize that, we stop living for ourselves and start using every resource for His glory. That includes how we spend, give, save, and even how we relate to others. Generosity Marks a Flourishing Life A flourishing life is a generous life. When God’s Word shapes us, we become generous with our time, with our finances, and with every resource entrusted to us. Generosity is not something we manufacture—it’s a byproduct of spiritual transformation. And it runs counter to the culture around us, which tells us to hold tightly to what we have. Instead, we hold everything with open hands. We Live with Integrity The Bible speaks often about deceit and greed—two things that will always rob us of flourishing. When we live according to God’s wisdom, we pursue integrity and honesty in every area of life. Proverbs offers constant guidance on living truthfully, avoiding dishonest gain, and practicing righteousness in our dealings. Flourishing is tied closely to living a life of character. We Live with Purpose We’re not here by accident. God placed us in this time and place for a reason. Our lives are temporary, but they’re filled with eternal purpose. We’re living today with heaven in view. Flourishing means recognizing that this life is preparation for eternity with our Lord. It means embracing the mission He’s given us and making every decision with the long view in mind. When we step back and look at the big picture, we realize what a privilege it is to manage what God has entrusted to us. Stewardship isn’t a burden—it’s an invitation. An invitation to participate in His Kingdom work. An invitation to trust Him. An invitation to live a life that truly flourishes. Let’s remember: God owns it all. We are stewards. And we get to use His resources for His glory. That is the foundation of a flourishing life. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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 constantly tells us, “You just need a little more.” But what if real peace isn’t found in having more, but in learning to need less? What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more. Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption. Why Wealth Confuses Us In a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn’t found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we’re born with—it’s something we must learn. And we’re learning it together. Let’s be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You’d think contentment would come naturally at that point. But surprisingly, it doesn’t. Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. This isn’t new—it’s the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: “Remember the Lord your God, for it is He who gives you the ability to produce wealth” (Deut. 8:18). That warning is for us too. The Danger of the “There and Then” Mentality Contentment is rooted in the present, not the future. And yet we often believe we’ll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can’t be fully alive to God and the people around us now, there’s no guarantee we will be later. We don’t stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, “I have learned to be content whatever the circumstances” (Phil. 4:11). His circumstances didn’t determine his joy. His peace wasn’t tied to his comfort. And ours doesn’t have to be either. Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess. A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we’re pursuing minimalism for its own sake, but because we’re reminding ourselves that joy isn’t found in our possessions—it’s found in a life uncluttered by distraction, filled with God’s presence and purpose. Escaping the Comparison Trap Comparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it’s undeniably true. In our digital age, we don’t just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we’re missing out when in fact, we’re richly blessed. Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared. Generosity is one of the most effective ways to break money’s grip on our hearts. Paul’s charge to Timothy echoes through the centuries: “Command those who are rich… not to put their hope in wealth… but to put their hope in...

Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it’s not as intuitive as you'd hoped. For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we’ve misunderstood how mentoring fits into God’s design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it. Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World. Rethinking Mentoring Retirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn’t just about what we get—but what we give? Retirement isn’t the end of our calling. It’s a fresh opportunity to steward our lives for God’s Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as intergenerational friendship. Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we’ve found that mentoring is most fruitful when it grows from an organic, mutual friendship. Rather than casting ourselves as sages who dispense advice, we’re invited to be fellow travelers—learning, laughing, sharing, and growing together. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time. This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, “I no longer call you servants… I have called you friends” (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust. In God’s upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ. What Makes Mentoring Thrive? Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish: Delight in the Next Generation. Affirm Before Advising. Lead with Vulnerability. Commit for the Long Haul. Ask Thoughtful Questions.The local church is a natural place to start. It’s one of the few places left in our culture where generations regularly gather. Maybe it’s time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger. Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship. Most importantly, we must pray. We’ve learned to listen—not only to our mentee but to the Holy Spirit. We ask: Lord, what do You want us to say in this moment? How can we best serve this person? Prayer is the lifeblood of all fruitful mentoring relationships. What If Retirement Looked Like This? Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence? We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our...

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6 As parents, we often wonder when to begin teaching our kids about money. The simple answer? It’s never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That’s a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age. Here’s how to begin—step by step. Ages 3–5: Needs, Wants, and Worship Even toddlers can begin to understand the basics of money. Start by teaching the difference between needs and wants. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That’s a want—and a perfect conversation starter. As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve. Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It’s a simple but powerful way to connect generosity with worship. Ages 6–10: Responsibility and Short-Term Goals At this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It’s a simple lesson in accountability and work ethic. If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible. Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue: “You always have more choices than money.” Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God’s heart. Ages 11–15: Bigger Goals, Delayed Gratification Now your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It’s the perfect time to talk about larger savings goals—maybe a new bike or a camp trip. Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you’re close by to guide them. If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions. Ages 16–18: Real-World Practice and Investing Basics Teenagers who are working part-time jobs are ready for more advanced money management. Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer’s 401(k) might. Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing. Remind them: Markets go up and down, but faithful stewardship builds wealth over time. The Ultimate Goal: A Faithful Steward Reinforce this truth: Their worth isn’t tied to their net worth. All we have is a gift from God to be managed for His glory, not our own. No matter your child’s age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don’t have to be a financial expert—you just have to be present and intentional. Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn’t just a financial lesson. It’s a...

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6 Being born again in Christ changes a person. We’re given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship. Bobby’s Testimony It's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination. Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story. In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That’s when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.” Hearing about Bobby’s life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God’s redemptive power. Steps Toward Financial Freedom A few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster. We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received. Biblical Principles Guiding Bobby's Transformation Bobby’s journey highlights several biblical principles that are now guiding his life: The Body as a Temple: Humility:“The reward for humility and fear of the Lord is riches and honor and life.” Honesty: Repaying Debts:“The wicked borrows but does not pay back, but the righteous is generous and gives.” Stewardship: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you’re struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We’re here to help you take the next step toward financial freedom and faithful stewardship. Bobby’s story is a powerful reminder that with God’s help, it’s never too late to turn your life around and get back on track. If you’re ready to take that step, we’re here to walk alongside you. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a...

“Blessed are the poor in spirit, for theirs is the kingdom of heaven.” — Matthew 5:3 In the final episode of our Financial Ethics series, we’re tackling a message that promises health and wealth—but often leads to heartache: the prosperity gospel. Dr. David W. Jones joins us to unpack its dangers and point us back to a truly biblical view of blessing and provision. Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the co-author of Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. W. Jones and Russell S. Woodbridge. Faith Is Not a Transaction One of the most dangerous ideas in the prosperity gospel is that faith guarantees financial prosperity. It treats faith like a force—a tool believers can wield to compel God’s blessings. But biblical faith isn’t self-generated or transactional. It is a gift from God, a response to His revealed grace, and a means by which we trust Him, not a lever to gain wealth. Faith is “the eyesight of the soul”—deeply rational and rooted in the truth of who God is, not in wishful thinking or material expectations. Prosperity theology often preaches a “faith formula”: believe hard enough, and you’ll be rewarded. But this distorts faith into a mechanism for personal gain. Hebrews 11:1 tells us that faith is “the substance of things hoped for, the evidence of things not seen.” It’s not irrational optimism—it’s a reasoned trust in the unseen promises of God. We should view faith not as a way to escape hardship or secure abundance but as a path of trusting God in all things, including suffering. The Problem with Escaping Suffering One hallmark of the prosperity gospel is its aversion to suffering. But as Jones points out, suffering is part of living in a fallen world—and it’s not something Scripture tells us to avoid at all costs. In fact, passages like 1 Peter 4:12 and 2 Timothy 3:12 remind us that suffering is to be expected for faithful followers of Christ. Rather than hinder our faith, suffering refines it. Suffering is the crucible of character. It’s often through trials that we grow closest to Christ and are shaped into His likeness. God's Provision Comes Through Work Another distortion in prosperity teaching is the expectation of windfalls—blessings that come without effort. But God’s design for provision is through work. From the beginning, humans were created to labor and create, reflecting the image of God. Working, creating, and flourishing through effort honors our design and brings fulfillment. Attempts to bypass God’s design through get-rich-quick schemes ultimately violate our dignity and God’s intended path for flourishing. Prosperity preachers often misuse Scripture to back their claims. One example is 2 Corinthians 8:9: “That though He was rich, yet for your sakes He became poor, that you through His poverty might become rich.” Taken out of context, it may sound like a promise of material wealth. But in its context, Paul is referring to our spiritual poverty and Christ’s sacrifice to make us spiritually rich—context matters. Misreading Scripture to fit a materialistic theology distorts the gospel’s central message. Giving as Grace, Not Greed Prosperity theology often frames giving as a transaction: sow a seed to receive a harvest. But biblical generosity isn’t about personal return—it’s about grace. True giving flows from love for God and neighbor. We give not to get, but because we’ve already received so much. Our stewardship reflects our gratitude, not our greed. The heart of biblical giving is a response to God’s grace, not a strategy for personal gain. Make your life about Christ, not your increase, not your own prosperity, but about flourishing in the image of His Son. That’s the true antidote to the prosperity gospel. We aren’t promised wealth, ease, or success. But we are promised Christ—and in Him, we find...

In today’s world, scarcity seems to be everywhere. Not enough money. Not enough time. Not enough security. It’s easy to live like we’re always behind, always grasping, always worried. But is that the full story? Here at FaithFi, we believe Scripture paints a different picture—one where scarcity isn’t the final word. Instead, through Christ, we’re invited to live with hope, wisdom, and trust in God’s abundant care. The Root of Scarcity The fear of “not having enough” isn’t new. Ever since sin entered the world, our hearts have struggled with distrust. In John 10:10, Jesus describes the enemy as a thief who “comes only to steal and kill and destroy.” And that’s what a scarcity mindset does. It steals peace, kills joy, and destroys our trust in God’s provision. This mindset urges us to hoard instead of share, grasp instead of give, and stress instead of rest. It traps us in anxiety—a form of slavery where our lives are defined by what we lack instead of who God is. Jesus doesn’t leave us in fear. In the second half of John 10:10, He offers a better way: “I came that they may have life and have it abundantly.” This abundance isn’t about luxury—it’s about the richness of God’s care. From the very beginning, God created generously. Genesis 1 shows a God who overflows with creativity and provision, filling the skies, seas, and land with life. He didn’t create out of need but out of joy. As Elisabeth Elliot wisely said, “God has promised to supply all our needs. What we don’t have now, we don’t need now.” Jesus Offers Something Better Jesus lived simply, with no home of His own, yet He never operated from scarcity. He lived generously, turning water into wine, feeding multitudes, and offering forgiveness to all. In Matthew 6:25–34, He urges us not to worry, pointing to the birds and lilies as evidence of the Father’s care. “Seek first the kingdom of God and His righteousness,” Jesus tells us, “and all these things will be added to you” (Matthew 6:33). This is the antidote to fear: a trust-filled life focused on God’s Kingdom. So, how do we break free from the scarcity trap? Here are a few biblical steps: 1. Renew Your Mind Romans 12:2 calls us to be transformed by the renewal of our minds. Ask God to help you see life through the lens of His abundance, not the world’s lack. 2. Practice Gratitude Thankfulness shifts our focus from what’s missing to what God has already provided. It’s a simple but powerful habit that reorients our hearts toward trust. 3. Embrace Stewardship We are not owners but stewards. Everything we have is a gift from God. Proverbs 3:9 reminds us to “Honor the Lord with your wealth and with the firstfruits of all your produce.” 4. Give in Faith Don’t give out of fear—give out of faith. 2 Corinthians 9:8 promises that God will provide all we need so that we can abound in every good work. God Is More Than Enough Living in God’s abundance doesn’t guarantee an easy life. But it does guarantee we never face our challenges alone, and we never need to be enslaved by fear. So when the world says, “There’s not enough,” we can respond with confidence: Our God is more than enough. His abundance isn’t just material—it’s spiritual. It’s peace, joy, and confidence that our Father knows exactly what we need. If you’re struggling with financial fear or anxiety, we invite you to explore our 21-day devotional, Look at the Sparrows. It’s designed to help you shift from fear to faith as you grow in your trust of God’s provision. Order a copy or place a bulk order today at FaithFi.com/Sparrows. Let this journey lead you into deeper peace and stronger trust, because your Father really does care for you. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)HealthCare.goveHealthHealthMarketsHealthSherpaIRS.govSSA.govWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on...

“A joyful heart is good medicine, but a crushed spirit dries up the bones.” - Proverbs 17:22 As we wrap up our series on the temperaments and how they impact our financial decisions, we’re turning the tables a bit. Today, Kathleen Edelman—who’s been our guide through this journey—is taking the host seat to interview Rob West about the Yellow temperament. Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication. What Is the Yellow Temperament? The yellow temperament, known as sanguine, is characterized by high energy, optimism, and a deep desire for connection. Yellows are extroverted and people-oriented, speaking the language of fun and relationships. They often bring joy, inspiration, and laughter into every environment they enter. However, they also face challenges, particularly in areas such as focus, follow-through, and impulse control. Historically rooted in the work of Hippocrates, the four temperaments offer a timeless framework for understanding how people are wired to think, speak, and listen. The yellow temperament is one of four: Red (Choleric):Blue (Melancholic):Green (Phlegmatic):Yellow (Sanguine):How Yellows Communicate and Relate Yellows are often described as the life of the party—fun, inspiring, and full of energy. They thrive on being liked, included, and appreciated. They tend to wear their hearts on their sleeves and use charm, humor, and emotional connection to relate to others. Their innate needs include: Approval –Acceptance –Attention –Affection –When these needs are met, yellows radiate joy and creativity. But when unmet, they may seek attention in unhealthy ways or rely on charm to mask insecurity. Understanding these tendencies can help others relate to yellows with empathy and intention—and help yellows themselves pursue healthy, life-giving connections. Financial Habits of the Yellow Temperament When it comes to money, yellows tend to view finances through the lens of spontaneity and enjoyment. They view money as a means to create experiences, give generously, and make memories with others. However, their optimism and impulsiveness can lead to overspending or a lack of strategic planning. Some common financial tendencies of yellows include: To thrive financially, yellows benefit from tools that provide structure without feeling restrictive, such as flexible budgeting systems, automated savings, or labeled cash envelopes tied to experiences (e.g., “Dinner with Friends”). Framing financial stewardship in terms of purpose, joy, and relational impact helps them stay engaged and motivated. Communication and Stewardship In conversations—especially around finances—yellows respond best to positive framing and shared vision. They may avoid spreadsheets or conflict, but they are quick to dream, encourage, and cast vision. When invited into planning that includes moments of celebration or generosity, they are more likely to stay committed. In leadership or ministry settings, yellows often bring energy and hope to conversations. They are natural encouragers and communicators, able to uplift others with genuine warmth and presence. However, they may need accountability partners or systems to help with follow-through and details. Understanding their own temperament also enables yellows to listen more intentionally. With tools like Edelman’s workbook, they can better identify the temperaments of others and respond in ways that build connection and clarity, both at work and at home. The yellow temperament is a vibrant and life-giving expression of God’s creative design. While yellows may struggle with structure and impulse, they bring essential gifts of joy, vision, and generosity. With the right tools and a deeper self-awareness, they can become faithful stewards who reflect the heart of...

College students may be pros at pulling off last-minute study sessions, but when it comes to finances, cramming just doesn’t cut it. Everyone often needs a budget, and for college students, that is even more crucial. Today, Dr. Kelly Rush joins us with practical budgeting advice every college student should hear. Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. Why Budgeting Matters More Than You Think Proverbs 22:6 tells us to “train up a child in the way he should go, and when he is old he will not depart from it.” That’s not just true for spiritual instruction—it applies to money too. The habits we form in college, for better or worse, often follow us into adulthood. And if students don’t develop intentional stewardship during these formative years, they may face regrets down the road that could’ve been avoided. Most students know they shouldn’t spend recklessly, but they often don’t know where their money is going. Without a written budget or a tool to track spending, it’s easy to watch bank accounts shrink faster than expected—and not know why. Budgeting isn’t about restriction. It’s about clarity. It’s about choosing in advance how to use what God has entrusted to you. And it’s a habit that pays dividends over time. Understanding the Time Value of Money One of the most powerful lessons a student can learn is the time value of money. It’s often a reminder of the orderly nature of the God we serve since there’s a logic to how money grows over time. And in every financial equation, time is the most powerful variable. Scripture encourages us to think this way. Psalm 90:12 asks God to “teach us to number our days,” and Ephesians 5:15–16 tells us to “redeem the time.” For students, this means starting early: saving early, giving early, and stewarding their resources early. That’s where the real impact lies. Money also has momentum. It moves quickly. And in college, that momentum usually comes through small, frequent purchases: coffee runs, streaming subscriptions, and fast food. These little expenses add up and build financial habits, whether you realize it or not. Being aware of how money flows—and having a plan for it—is what budgeting is all about. Tools That Actually Work Today’s students are digital natives. They’re not going to carry around envelopes of cash. Of course, we recommend the FaithFi app because it’s easy to use, customizable, and based on biblical principles. If you’re a student (or a parent helping one), it’s a great place to start. You can check it out at FaithFi.com and click “App” or download it from your app store. At some point, students need to begin taking ownership of certain expenses, such as gas, clothes, and possibly even their phone bill. We encourage families to approach this like a team sport: communicate when and which expenses will be transferred from parent to student, then open a bank account and create a game plan together. That transition is not just financial—it’s formative. Working during college isn’t just about making money—it’s about learning responsibility. Students can find part-time jobs that offer both flexibility and impact. Perhaps that involves working at a hospital if you're studying nursing, or obtaining a referee certification or barber license for higher-ROI opportunities. Work that aligns with your career goals is a double win. What About Credit? Credit is another topic that comes up often. Should students start building credit now or wait until later? Either option can work, but there are advantages to starting early, wisely. We usually suggest a secured credit card paired with a basic expense, such as gas. It’s easy to track and builds a positive credit history. The key, of course, is paying it off every month. Pitfalls to Watch Out For Let me leave you with a warning: shortcuts are tempting. College students are particularly vulnerable to the allure of...

“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.” With those words, Warren Buffett reminded us that character and integrity matter—especially in the world of money. Now, after more than sixty years of market-shaping moves and famous one-liners, Buffett is calling it a career. Today, Matt Bell joins us to reflect on his legacy and share what timeless lessons every investor can learn from it. Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. A Track Record That’s Hard to Ignore If you had invested $100 in Berkshire Hathaway back in 1965, that single investment would have grown to over $5.5 million by the end of last year. Compare that with the S&P 500 over the same period, which would have turned $100 into just $39,000. Clearly, Buffett did something different. One unconventional move? He never issued dividends for Berkshire Hathaway, instead reinvesting profits to increase share value. That patient, long-view approach paid off—and it hints at biblical principles like delayed gratification and wise stewardship (Proverbs 21:20). Buffett famously said, “Be fearful when others are greedy and greedy when others are fearful.” While Christians would rightly reject greed and fear as motivations, the deeper principle here is about remaining steady and disciplined in volatile times—echoing Proverbs 14:15: “The simple believe everything, but the prudent give thought to their steps.” Buffett often waited with cash on hand until the right opportunities appeared, especially during downturns. That patience and discernment mirrors biblical instruction to avoid impulsiveness and instead seek wisdom in decision-making. Investing Lessons With Biblical Parallels Over the years, Buffett offered dozens of pithy insights that mirror biblical truth. Here are a few standouts: “If you don’t find a way to make money while you sleep, you’ll work until you die.” “Risk comes from not knowing what you’re doing.”“Plans fail for lack of counsel, but with many advisers they succeed.” Diversification, emotional control, and long-term visionBuffett never let global turmoil shake his confidence in long-term investing. He wrote, “In the 20th century, the U.S. endured world wars, recessions, a depression, oil shocks, and more—yet the Dow rose from 66 to 11,497.” His takeaway: “It’s been a terrible mistake to bet against America.” While our hope as Christians isn’t rooted in any one nation’s economy, Buffett’s long view reminds us of the value of endurance and not making decisions based on fear or short-term noise (see James 1:5–6). Generosity and Legacy Perhaps most inspiring is Buffett’s commitment to give away 99% of his wealth. He plans to direct his Berkshire Hathaway shares toward philanthropic causes within ten years of his estate being settled. While we may differ on where those funds go, the posture of open-handed generosity reflects Jesus’ teaching: “It is more blessed to give than to receive” (Acts 20:35). Buffett’s success wasn’t just about intellect—it was about character: discipline, patience, and generosity. These are values every believer is called to cultivate. As you manage your resources, consider how biblical principles—often echoed in even the most unlikely places—can shape a wise, faithful financial life. To explore these ideas further, read Matt Bell’s full article, The Wisdom of Warren Buffett at SoundMindInvesting.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingThe Wisdom of Warren Buffett by Matt Bell (Sound Mind Investing Article)BankrateNerdwalletOpen Hands FinanceChristian Community Credit UnionWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich...

“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.’” - Hebrews 13:5 Sports betting is more popular—and more accepted—than ever, even among Christians. But is it just harmless fun, or something more? Dr. David W. Jones returns to our financial ethics series to help us examine what Scripture says about gambling and how believers should approach it. Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians. What Does Scripture Say About Gambling? Proverbs 13:11 reminds us that: “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Gambling, which includes sports betting, bypasses God’s designed rhythm of work and reward. 1 Timothy 6:9 warns that the desire to get rich quickly leads people into “ruin and destruction.” These verses challenge the notion that a fast win is simply a blessing—it may erode character. Is it always wrong to bet on a game with friends? Not necessarily. A one-time bracket pool during March Madness may not signal a deep moral compromise. But we must ask: Is this behavior occasional and harmless, or has it become habitual and idolatrous? The difference lies in the heart. It’s not that gambling created the idolatry of money or sports—it revealed it. And perhaps in God’s grace, it’s giving us an opportunity to examine what we truly worship. The Stewardship Question Every financial decision we make is a stewardship decision. Psalm 24:1 reminds us: “The earth is the Lord’s and everything in it.” So before we spend God’s money—even on entertainment—we must ask: Is this wise? Does this reflect my faith? Does it honor the Lord? We must start to think through whether our spending on gambling—even recreationally—glorifies God. That doesn’t mean all entertainment is wrong. But we are called to be faithful managers of what belongs to God, and some forms of entertainment carry higher risks than others. Beyond personal stewardship, Christians must consider what they're supporting. The gambling industry is responsible for significant harm. Studies show that 1 in 5 gambling addicts attempt suicide, and addiction is rising fastest among young adults, according to the American Psychological Association. For those in the church, we must acknowledge this cultural shift and lovingly walk alongside people through it, offering them truth, grace, and accountability. Idolatry, Discontentment, and the Way Back Sports betting may be legal, but legality is not the same as morality, and morality isn’t always wisdom. If your habits reflect discontentment or a misplaced trust in money, that’s a red flag. But there's hope. These things are not the unpardonable sin. 1 John 1:9 reminds us: “If we confess our sins, He is faithful and just to forgive us... God is always ready to receive us.” Isaiah 26:3 also says: “You keep him in perfect peace whose mind is stayed on You, because he trusts in You.” If you're struggling with a gambling habit or questioning your motivations, seek accountability at your local church. And if addiction is involved, please pursue professional help. Freedom is possible—and peace is found not in the thrill of a win, but in keeping your eyes on Christ. Remember: just because it’s permissible doesn’t mean it’s wise. True freedom is found not in betting on uncertain outcomes, but in trusting the God who holds the future. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by...

“The simple believe everything, but the prudent give thought to their steps.” — Proverbs 14:15 In an age where scams are becoming more sophisticated by the day, Scripture reminds us that discernment isn’t optional—it’s essential. As believers, protecting the resources God has entrusted to us is more than a practical concern—it’s an act of stewardship. Here’s how you can guard your finances with wisdom, not fear. Scams Are Everywhere—But So Is Wisdom Fraudsters use every channel available: phone calls, text messages, emails, and even impersonations of people you trust. But as followers of Christ, we’re not called to panic. We’re called to walk in wisdom (Ephesians 5:15). That begins with slowing down and thinking critically. Pause before you respond. Avoid untraceable payments.Practical Steps for Digital Protection Financial stewardship now includes digital awareness. Here are practical ways to protect yourself and your family: Use credit cards, not debit cards, for online purchases. Enable two-factor authentication (2FA) on all your financial accounts. Don’t reuse passwords.BitwardenNordPass Set up account alerts. Freeze your credit. Avoid public Wi-Fi for financial transactions. Limit what you share on social media. Shred sensitive documents before discarding them. Don’t click on unfamiliar links, even if they appear to come from someone you know.Stewarding Wisdom in Community Scammers often target the vulnerable, particularly older adults and teenagers. So make this a shared effort. Discuss online fraud with your family. Equip them with knowledge. If you receive a letter or email about identity protection following a data breach, verify it by contacting the company directly, rather than through the provided link or number. Financial faithfulness today includes digital vigilance. But there’s no need for fear. By taking these simple steps, you can walk confidently, knowing you’re stewarding God’s resources with care. A Tool for Wise Stewardship: The FaithFi App Looking for a practical way to manage your money with wisdom and peace of mind? The FaithFi app is a secure tool that helps you track your spending, plan your giving, and align your finances with biblical values. With 256-bit encryption, your data is protected, and your login credentials are never stored. FaithFi Pro users also receive exclusive articles, digital devotionals, and daily encouragement. Visit FaithFi.com and click “App” or search “FaithFi” in your app store to get started today. Steward your finances wisely. Protect what God has entrusted to you. And walk in peace, not panic. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously by Dr. Art RainerThe Finish Line PledgeSchwab Intelligent PortfoliosBettermentBitwardenNordPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“For God is not a God of disorder but of peace—as in all the congregations of the Lord’s people.” - 1 Corinthians 14:33 We’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Andrew Stanley, as we take a closer look at the Blue temperament and its influence on our approach to money. Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication. Andrew Stanley is a nationally touring stand-up comedian who’s been performing across the country since 2016. You can learn more at AndrewStanleyComedy.com. In this episode, he also joins us as our representative for the Blue Temperament. The Four Temperaments in a Nutshell Before diving into blue specifically, Kathleen offers a quick primer on all four temperaments: Yellow (Sanguine) –Red (Choleric) –Blue (Melancholic) –Green (Phlegmatic) –Each temperament influences not just relationships, but also how people handle money, make decisions, and respond under pressure. Blues and the Search for Safety For those with a blue temperament, safety isn’t just a preference—it’s a core emotional need. Blues thrive in environments where things are predictable, orderly, and well-organized. They naturally seek clarity, structure, and control to feel secure. When it comes to money, this often means creating detailed budgets, developing long-term plans, and being cautious when making financial decisions without having all the necessary information. Blues may prefer to save rather than spend, not because they’re stingy, but because a growing bank account feels like a safety net against life’s uncertainties. They can struggle with risk and may delay action if they feel unsure, even if the opportunity is wise or time-sensitive. In relationships, this drive for safety shows up in how blues communicate and connect with others. They crave understanding and support but may not always express those needs clearly. Because they process deeply and thoroughly, they often require space and time before responding, especially in moments of conflict or when making big decisions. If rushed or misunderstood, they may withdraw, using silence as a way to regain control or avoid making a mistake. However, when their need for emotional safety is honored through patience, empathy, and clear communication, they can be deeply loyal, thoughtful, and intentional partners. Understanding this temperament helps others engage them with compassion and build stronger, more harmonious relationships. Advice for and About Blues If you have a blue temperament, give yourself permission to take the time you need to process decisions, especially those involving finances. Your thoughtful, analytical nature is a gift, but it can also lead to overthinking or decision paralysis. Don’t let the desire for perfection keep you from making progress. Instead, set realistic deadlines, seek wise counsel, and remember that not every choice has to be airtight before it’s made. Lean into your strengths—planning, order, and foresight—while also allowing space for joy, spontaneity, and relational connection. A budget isn’t just a safety tool; it can also be a pathway to shared experiences and generous living. For those in a relationship with a blue—whether in marriage, friendship, or at work—understand that their quiet moments are rarely a sign of apathy. Blues often feel deeply but express slowly. They value being understood and respected, especially when making important decisions. Don’t rush them. Instead, provide information clearly and give them time to reflect. Be patient if they seem hesitant or cautious. Underneath that careful exterior is someone who longs for peace, harmony, and purpose. When you...

Three words that can make any parent’s wallet flinch: “Back to school.” But there’s a silver lining—especially if your state has a tax-free weekend. For families gearing up for a new school year, those tax holidays can make a real difference. Today, Crystal Paine shares smart, practical ways to get prepared and save money along the way. Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. Does Your State Participate? Not every state offers a tax-free weekend, and the rules vary widely from state to state. Crystal recommends checking your state’s Department of Revenue or the Federation of Tax Administrators for up-to-date information. Understand what qualifies, as in some states, clothing must be under $100, and online purchases often count—if ordered and paid for within the specified window. Even if you’re not shopping for back-to-school items, this can still be a good time to purchase other qualifying necessities. Don’t treat the tax-free weekend like a shopping spree. Instead, we suggest that you: RetailMeNotSimply search for the site name and ‘coupon code’ before making a purchase. What About Online Shopping? A common misconception to keep in mind is that if you order and pay during the holiday window, and the item qualifies, it’s usually tax-exempt, even if it ships later. Please ensure it ships to an in-state address. One important caveat to remember is that Amazon may not always participate, and shipping costs may be included in item price caps in some states. Therefore, read the fine print and always check your confirmation receipt to ensure that tax wasn’t accidentally charged. Stewardship Over Savings The ultimate goal isn’t just saving money—it’s honoring God. Sometimes we think we’re saving when we’re really just spending less wastefully. But that’s still spending. Ask yourself: Am I buying this because it’s a wise investment, or is it just because it’s on sale? Make prayerful purchases—asking God for wisdom, guidance, and even provision when looking for specific items. God is faithful to lead us when we invite Him into our financial decisions. Good stewardship is about more than just saving money. It’s about aligning our spending with God’s purposes. To learn more and find additional resources, visit MoneySavingMom.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal PaineMoneySavingMom.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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 your investments could do more than grow your wealth? What if they could also fight injustice, uplift your neighbor, and even bring joy to the world? Joy probably isn’t the first word that comes to mind when you think about investing, but maybe it should be. Robin John joins us today to share how investing can be more than financial—it can be deeply spiritual. Robin John is the CEO at Eventide Asset Management, LLC. Views expressed in this podcast are intended for information purposes and do not constitute investment advice. Eventide does not provide tax, accounting, or legal advice. Eventide's values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. There is no guarantee that any investment will achieve its objectives, generate positive returns, or avoid losses. A Life-Changing Encounter in India Robin was just 23 years old when his employer sent him to Pune, India, to support an outsourcing initiative. Although born in India, he had moved to the U.S. at the age of eight and was returning for the first time as a young professional. While staying in a guesthouse, he noticed two young men—Amal and Kamal—who took care of him daily, preparing meals and ironing his clothes. One evening, Robin asked where they slept and was shocked to learn they were sleeping on the hard floor of a hot, cramped pantry. “I had a beautiful air-conditioned room with extra space,” Robin recalled. “But they had no bed, no pillow, no blanket. And I looked just like them.” When he raised his concerns, he was told the guesthouse workers were not his company’s responsibility. That response, though typical in business, left Robin deeply unsettled. It pushed him into prayer, fasting, and a season of searching. He began to ask: “Is business just about profit? Or could it be something more?” From Disillusionment to a Renewed Mind Through time in Romans 12—“Do not conform to the pattern of this world, but be transformed by the renewing of your mind”—Robin experienced a major shift in perspective. He began to see that work, business, and investing could all be expressions of love for neighbor and tools for redemptive impact. That shift eventually led him, alongside his friend Dr. Finny Kuruvilla, to launch Eventide Asset Management—an investment firm with a bold mission: to invest in companies that make the world rejoice. What Makes a Company Worth Investing In? Eventide’s approach centers on one key question: Is this company doing good? They look for companies whose products are truly good and whose practices serve others well—employees, customers, supply chains, communities, even the environment. Investing is a form of ownership, and when we invest, we are rooting for that company’s success. But Eventide doesn’t just embrace the good—it also avoids the harmful. In the book, Robin likens harmful companies to dragons that lurk outside the village in ancient stories, threatening human flourishing. Companies profiting from gambling, addiction, or exploitation—like sports betting platforms—may look appealing on a spreadsheet, but Robin challenges us to consider their deeper impact. As Christian investors, we must ask: What are we promoting in the world? Are we fighting the dragons, or feeding them? Cultivating Goodness, Like a Garden From the very beginning in Genesis 1, we see that we are called to cultivate, to build, to bring about flourishing. Business and investing can be part of that calling. From companies developing cancer treatments to those honoring their truck drivers by ensuring they can sleep at home with their families, these are the stories of modern cultivation, and they’re the kinds of businesses Eventide champions. A Framework for Faith-Driven Investing Eventide’s “Business 360” framework reflects biblical values and centers on love for neighbor. It seeks to: Investors can explore two free tools at GoodInvestor.com: Portfolio Screening...

“A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.” - Proverbs 28:20 Powerball jackpots and scratch-off tickets might seem like a shortcut to financial freedom, but should Christians be buying in? Dr. David W. Jones returns to our financial ethics series today to help us think biblically about the lottery and whether it aligns with a life of faithful stewardship. Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians. Quick Wealth vs. Steady Stewardship Proverbs 13:11 warns, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Hebrews 13:5 exhorts believers to “keep your life free from the love of money and be content with what you have.” These passages highlight the value of work, patience, and contentment—virtues that stand in direct contrast to the quick-fix allure of lottery winnings. The lottery promises flourishing without labor, but God’s design in Genesis 1 calls us to be co-creators with Him—to work, to produce, and to flourish through effort. Skipping that process isn’t just unwise—it violates God’s design for human flourishing. Is playing the lottery merely harmless entertainment? We should pay close attention to what our financial decisions reveal: Jesus taught, ‘Where your treasure is, there your heart will be also’ (Matt. 6:21). If someone regularly spends money on lottery tickets, it could point to deeper issues—discontentment, greed, or misplaced hope. Scripture reminds us in Proverbs 23:7, “As a man thinks in his heart, so is he.” Our actions—including how we spend—are often the most honest indicators of our spiritual condition. Entertainment or Exploitation? While scratching a ticket at a birthday party may seem harmless, there’s a big difference between a one-time event and a habitual lifestyle of gambling. And even if the act is permissible, that doesn’t make it wise (1 Cor. 10:23). We must also consider the industry behind the lottery. It preys upon the poor. Statistics show that the lowest-income Americans buy more than half of all lottery tickets, with some spending up to 6% of their income. In many ways, it functions like a regressive tax, taking from those who can least afford it. Some believers wonder whether it's ethical to accept scholarships or grants funded by state lotteries. Of course, there’s room for Christian liberty here. Some will choose to opt-out due to conscience. Others will recognize we live in a fallen world and may receive such benefits without directly participating in the system. Either way, we should be aware of what we're engaging with and remain open before the Lord. A Better Way to Flourish If you're feeling convicted, confess it to the Lord. ‘If we confess our sins, He is faithful and just to forgive us’ (1 John 1:9). And as with any area of struggle, don’t walk alone. Seek accountability and encouragement through your local church. Ultimately, the Christian life invites us to a different kind of richness—one rooted not in luck or chance but in trust and obedience. As Ecclesiastes 3:13 says, “Everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.” For more biblical insight on wealth and stewardship, pick up Dr. David W. Jones’s book Every Good Thing: An Introduction to the Material World and the Common Good for Christians, available wherever books are sold. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear...

In C.S. Lewis’s The Lion, the Witch and the Wardrobe, Aslan tells Lucy, “Things never happen the same way twice.” It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. Sharon Epps joins us today with sage advice about preparing for life’s transitions. 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. Lessons from Narnia C.S. Lewis’s Chronicles of Narnia holds a surprising amount of wisdom for real life. In one poignant scene, Aslan comforts Lucy Pevensie about the changes she and her siblings are facing. “Things never happen the same way twice,” Aslan tells her. Change is constant, and each new season requires fresh wisdom. Even when we’re no longer in school, the rhythms of August to May still shape our lives and planning. When Life Goes Into Transition, Money Goes Into Motion Financial author Mitch Anthony says it best: “Money goes into motion when life goes into transition.” Whether you’re sending a child off to college, caring for aging parents, or planning a move, each change brings financial decisions with it. Here are five strategies to help us steward these moments well: 1. Pray for Wisdom Every new season needs fresh wisdom. You can learn the hard way through pain or the better way through prayer. Proverbs 3:6 reminds us: “In all your ways acknowledge Him, and He will make your paths straight.” 2. Seek Godly Counsel Learn from those who’ve been there. If you’re sending your first child to college, ask parents of graduates what they’d do differently. Their experience can save you time, money, and stress. 3. Plan the Financial Details of the Transition With college, for example, have you clarified who will cover living expenses? Will your child work part-time? Will you offer a monthly stipend? Define expectations now to avoid confusion later. 4. Prepare for the Unexpected Things rarely go according to plan. What if your child runs out of money mid-semester? Do you have an emergency fund? Thinking through these “what ifs” now builds resilience. 5. Communicate Ahead of Time Good communication brings clarity and accountability. Whether you’re dealing with a child, a spouse, or a realtor, the earlier you clarify financial expectations, the smoother the transition will be. These five practices are simple but powerful. They’ll help you stay grounded through every kind of life change. And remember, God doesn’t just care about what we go through—He cares about how we go through it. Let’s walk into our next season with prayerful wisdom, godly counsel, and faithful stewardship. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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 wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” — Proverbs 14:8 Today, we’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Rachel Petty, as we take a closer look at the Green temperament and how it influences our approach to money. Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication. Rachel Petty is a valued member of Kathleen Edelman’s team and is our Green Temperament representative for this episode. What Are the Four Temperaments? The concept of temperaments dates back to Hippocrates, whom Galen followed in naming the four temperaments. Each temperament is a wiring we’re born with—more like eye color than personality—and it shapes how we communicate, relate, and even handle money. The four types are: Yellow (Sanguine):Red (Choleric):Blue (Melancholic):Green (Phlegmatic):Temperament is your innate wiring. Personality develops through life experiences, but temperament remains relatively consistent. Meet the Green: Introverted and People-Oriented Greens are known as “relationship glue”—calm in chaos, steady in presence, and always people-conscious. They’re inward processors, but also deeply relational. They are drawn to budgeting with others and long-term planning. They don’t like flashy risks or micromanaging. They prefer round numbers and fewer check-ins. Because Greens crave harmony, they might avoid financial conflict or decisions altogether. But with gentle encouragement and time, they become wise and thoughtful stewards. Strategies That Help Rachel offers practical tools for those who fall under the Green category or know somebody who does: Stay involved.Name what matters.Set deadlines.Greens thrive when respected and heard. Their insights are valuable—they just need time and space to process them fully. However, don’t pressure a Green. Invite them in gently and clearly. They want to contribute—they just need the right environment. The Innate Needs of a Green According to Kathleen, Greens have four core needs: Harmony –Lack of Stress –Feeling of Worth –Respect –When these needs are met, Greens are kind, steady, and confident. When ignored, they may retreat or procrastinate. For those in the Green category, take the time to understand what matters to you and lean into your steady nature. And for those in a relationship with a Green—give them time, space, and encouragement. There’s more going on than you might see. And remember this: if you are a Green, your calm is a gift. Advocate for yourself—peace sometimes requires courage. Your voice matters. Want More? If you've found this information valuable, make sure you don’t miss Kathleen’s latest article on temperaments, featured in the newest issue of Faithful Steward magazine. This quarterly publication is a special resource we send to our FaithFi partners—those who support the ministry at a monthly rate of $35 (or more) or an annual rate of at least $400. To become a partner and receive your copy, along with other exclusive benefits, just visit FaithFi.com/Give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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)...