Faith & Finance

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...

“Give me neither poverty nor riches, but give me only my daily bread.” - Proverbs 30:8 Every generation has struggled to learn contentment, and ours is certainly no different. But God’s Word provides great instruction on this tough topic. Brian Holtz helps us work through it today. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children. What Is Contentment? In Philippians 4:12, the apostle Paul shares, “I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.” As Paul describes it, contentment is being satisfied with having enough—neither desiring more nor less. It’s a state of recognizing God’s provision as sufficient for every situation. On the surface, contentment sounds simple: accept and be grateful for what you have. But as with most heart issues, it’s far more complex. At a recent conference, attendees were asked two revealing questions: Most people raised their hands to both questions. This honest reflection highlights a tension many of us face: knowing we have enough yet wanting more. As Proverbs 30:8 reminds us, “Give me neither poverty nor riches, but give me only my daily bread.” However, genuinely praying for “only my daily bread” can be a struggle when we long for more security or comfort. How to Learn Contentment Paul’s contentment didn’t come naturally—it was something he learned. His focus on gratitude provides a practical framework for us: Focus on What You Have, Not What You Lack Reframe Your Perspective Embrace the Sweet Spot Finding Contentment in a Discontented World Contentment isn’t something we achieve overnight; it’s a lifelong journey. That’s why Compass Financial Ministry is dedicating its upcoming Your Money Counts conference to this vital topic. The conference, which will take place in Orlando, FL, from February 27 to March 1, will offer an in-depth look at finding contentment in a world plagued by materialism. Attendees will explore Scripture, practical tools, and community support to grow as faithful stewards. Learning contentment is essential for spiritual growth and faithful stewardship. As we embrace gratitude and trust God’s provision, we’ll find the peace Paul describes in Philippians 4. For more information about the Your Money Counts conference, visit CompassFinancialMinistry.org. Don’t miss this opportunity to learn how to thrive in God’s provision and find true satisfaction in Him. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationCompass Financial MinistryYour Money Counts ConferenceOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Losing a loved one is a time of profound grief and confusion, and the practical tasks that follow can feel overwhelming. Settling a loved one’s estate requires careful attention and preparation. Let’s walk through six financial steps to take during this challenging time, all underpinned by prayer and reliance on God’s guidance. Begin with Prayer Before addressing financial matters, take time to pray. Invite God into your decisions and ask for wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.” Prayer offers clarity and comfort, helping you approach the estate settlement process with confidence and peace, knowing the Holy Spirit is interceding on your behalf (Romans 8:26). Step 1: Obtain the Death Certificate The death certificate is a critical legal document you’ll need to settle your loved one’s affairs. It’s usually prepared by the medical examiner and provided through the funeral home. You’ll need multiple copies for various purposes, such as notifying financial institutions, filing taxes, and starting probate. If you don’t receive the death certificate within a few weeks, contact the funeral home or your local vital records office. Step 2: Begin the Probate Process Take the death certificate and the will to your county probate office to file a petition to begin probate. As the executor, you can then carry out the deceased’s wishes. If there’s no will, the process becomes more complex. You’ll still petition the court to begin probate and may request to be named administrator of the estate. However, the court will decide how the estate is distributed according to state law. For guidance, consider consulting a Certified Kingdom Advisor (CKA). Visit FaithFi.com and click “Find a Professional” to find a trusted advisor. Step 3: Notify Financial Institutions and Advisors Inform the deceased’s financial institutions, banks, and financial advisors of their passing. Advisors can help identify assets and ensure they’re handled correctly. Check for accounts with Transfer on Death (TOD) or Payable on Death (POD) instructions. These accounts can often bypass probate, simplifying the process. Additionally, notify the three credit reporting agencies—Equifax, TransUnion, and Experian. Provide the death certificate to close accounts and check for fraudulent activity. Step 4: Address Insurance Policies Contact the deceased’s life insurance company to begin the claims process and provide the death certificate and policy details. Also, cancel other unnecessary insurance policies, such as auto or disability insurance, to avoid ongoing payments for no longer required services. Step 5: Notify Government Agencies Ensure the appropriate government agencies are informed of your loved one’s passing. The funeral director often notifies Social Security but confirm that this has been done. Notify Medicare and, if applicable, the VA or other government programs. This step helps avoid complications and ensures benefits are properly adjusted. Step 6: File Final Taxes The final step is filing the deceased’s taxes, including any outstanding returns. This is often best handled by a professional, such as a CPA, to ensure compliance and accuracy. While these tasks may seem overwhelming, prayer and preparation can guide you through. Remember, you are not alone in this journey. Lean on God’s wisdom and the support of trusted professionals to navigate this season with grace and confidence. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationMovement MortgageNational Christian Foundation (NCF)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most...

When the topic of generosity comes up in church, reactions can be mixed. Some tune out, assuming the message is about funding a project or filling a financial gap. But generosity is about much more than meeting needs—it’s about the heart behind the act. Let’s explore not only why we should give but also why we shouldn’t and how to cultivate a heart for biblical generosity. Why We Shouldn’t Give 1. Guilt Shouldn’t Be Your Motivation Many Christians have been influenced by guilt-driven messages, from legalism to the prosperity gospel. These teachings suggest that not giving enough equates to stealing from God or forfeiting His blessings. However, the Bible paints a different picture. In 2 Corinthians 9:7, Paul reminds us, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Faithful giving stems from joy, not guilt or obligation. It’s also crucial to distinguish between guilt and conviction. Guilt comes from the enemy and leads us away from Christ, while conviction comes from the Holy Spirit, drawing us closer to God. Hebrews 10:22 reassures us that, through Christ’s sacrifice, we are freed from guilt. If guilt drives your giving, pause and prayerfully examine your heart. 2. Giving to Control the Church Sometimes, people give to influence church decisions, designating funds to specific ministries or withholding support to express disagreement with leadership. This approach can sow division and turn generosity into a transaction. Giving with strings attached undermines the act of worship and reflects a lack of trust in God’s sovereignty. As stewards of God’s resources, we are called to support His work, even when we don’t agree with every decision. 3. Seeking Self-Righteousness Through Giving Generosity should not be a means to feel morally superior. In Luke 18:11-12, Jesus shares the Parable of the Pharisee and the Tax Collector. The Pharisee flaunted his giving to showcase his righteousness, while the tax collector humbly sought God’s mercy. Faithful giving is a response to God’s grace, not a way to earn recognition or status. If pride motivates your generosity, it’s time to reassess your heart. Principles for Generous Giving To develop a heart of biblical generosity, consider these principles: 1. Make Giving a Priority Proverbs 3:9 teaches, “Honor the Lord with your wealth and with the firstfruits of all your produce.” Giving should come first—not as an afterthought or leftover. 2. Embrace Sacrificial Giving In 2 Samuel 24:24, David declares, “I will not offer burnt offerings to the Lord my God that cost me nothing.” True generosity often requires sacrifice, mirroring Christ’s sacrificial love for us. 3. Give Cheerfully As Paul emphasizes in 2 Corinthians 9:7, “God loves a cheerful giver.” Joyful giving reflects trust in God’s provision and a desire to participate in His work. Reflect Before You Give Before giving, ask yourself: God values the heart behind your generosity far more than the size of your gift. By giving with a spirit of gratitude and humility, you participate in advancing His Kingdom and glorifying Him through your stewardship. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationBettermentSchwab Intelligent PortfoliosLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Do you dream of being financially free but are unsure where to start? Stay with us—we’re here to help. Knowing what to do and actually doing it are two very different things. Today, we’ll share the steps to achieve financial freedom, but the decision to take action is yours. Like most worthwhile goals, it starts with the desire and determination to make it happen. Start with a Mindset Shift Financial freedom begins with a change in perspective. Many people approach budgets like a diet—focused on restriction and deprivation. Just as restrictive diets often lead to overeating, feeling financially deprived can lead to overspending. Why does this happen? The Bible identifies underlying issues like greed, envy, covetousness, or a lack of faith in God’s provision. To overcome these, you need to cultivate gratitude. As 1 Thessalonians 5:16-18 says: “Rejoice always, pray without ceasing, give thanks in all circumstances; for this is the will of God in Christ Jesus for you.” Gratitude shifts your focus from what you lack to what you have, enabling contentment and a more positive relationship with your budget. Practical Tips for Living Below Your Means Once your mindset is aligned, it’s time to take action. Here are some practical steps to help you live below your means: 1. Build Margin Having money left over at the end of the month is critical for financial freedom. Start by scrutinizing your fixed expenses: Sometimes, simply asking for a discount—on medical bills or repairs—can save money. It never hurts to ask! 2. Track Your Spending Knowing where your money goes is essential. The FaithFi app is an excellent tool for setting up a budget and tracking your spending. It can highlight areas where you can cut back, like unused subscriptions, potentially saving hundreds of dollars annually. 3. Celebrate Small Wins Budgeting doesn’t have to feel like a punishment. Reward yourself for hitting financial milestones: These small rewards keep you motivated without derailing your financial progress. 4. Delay Non-Essential Expenses Stretch out spending for non-essentials like salon visits or subscriptions. For example, getting your nails done every six weeks instead of four can save $100 a year. 5. Declutter and Sell Unused Items If you’re paying for storage, consider selling items you no longer need. A good rule of thumb: Let it go if you haven’t used it in a year. This can free up cash and eliminate unnecessary expenses. Increase Your Income If you’ve trimmed your expenses but still struggle to live below your means, it’s time to explore ways to boost your income. Even a modest income increase can significantly improve your financial situation over time. Learning to live below your means allows you to serve God more fully, free from the weight of financial stress. It’s a journey of faith, discipline, and intentionality, but the rewards—both spiritual and financial—are worth it. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationNerdWalletLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“The way of a fool is right in his own eyes, but a wise man listens to advice.” - Proverbs 12:15 It’s good to learn from your mistakes, but it’s even better to learn from someone else’s. Rachel Wong joins us today with three big financial mistakes that young adults often make…so you can avoid them. Rachel Wong is an Accredited Financial Counselor® and the creator of Open Hands Finance: a biblically-based content curriculum that teaches money skills to emerging adults. Money Missteps: 3 Easy Mistakes To Avoid As A Young Adult Money management is a crucial skill, especially for young adults just starting their financial journey. Here are three key financial mistakes young adults often make and how to avoid them: 1. Waiting to Save for Retirement Many young adults think they’ll start saving for retirement once they “make more money.” This delay can cost them valuable years of compound interest. Starting in your 20s is like taking a leisurely walk—manageable and effective. Waiting even a few years turns the journey into a sprint. Tip: Open a Roth IRA and start contributing small amounts monthly. Even $25 a month can grow significantly over time. 2. Waiting to Start Giving Some believe they’ll start giving once they earn a larger paycheck. But let’s remember the story of the widow’s mite. Despite her poverty, she gave anyway, reminding us of what it means to be faithful in our giving, regardless of our income. Tip: Begin giving a small, regular percentage of your income now. It’s not just about generosity—it’s about developing a habit that aligns your heart with God’s abundance. 3. Relying on Willpower for Savings Manually setting aside money every month can be challenging. That’s why automating our savings can help when we struggle with consistency. Tip: Automate savings and retirement contributions. Set up a monthly transfer to ensure consistency, regardless of life’s demands. Teaching Young Adults to Manage Money Biblically Open Hands Finance combines biblical wisdom with actionable exercises, such as setting up a budget and opening a Roth IRA. The program includes a unique matching incentive—sponsored by parents, universities, or third parties—to encourage participation. The curriculum’s student-led approach makes it relatable and impactful. It’s not just theoretical; it equips participants with tools to live below their means, practice generosity, and plan for the future. If you’re a college student or young professional—or know someone who could benefit—visit OpenHandsFinance.com to learn more about the curriculum and resources. Money is a resource God has entrusted to us. Managing it wisely allows us to live generously and reflect His abundance. Start today and set yourself on a path of faith-filled financial stewardship. On Today’s Program, Rob Answers Listener Questions: Thrivent FinancialResources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

At this time of year, many people hate going to the mailbox or checking their email. That’s because the Christmas bills are starting to roll in. Yes, the holidays are behind us, but for many people, burgeoning credit card balances are just ahead. If you think you’ll have trouble making those payments, Neile Simon is here with a plan to help you get out of debt. Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance. The Growing Problem of Credit Card Debt Credit card debt has surpassed $1.16 trillion, marking a 50% increase in just three and a half years. By 2024, the average credit card debt for individuals carrying unpaid balances reached $7,200. Rising costs due to inflation have pushed many to rely on credit cards just to get by. This growing burden isn’t just financial—it also creates fear, anxiety, and helplessness. These feelings do not come from God. Recognizing the seriousness of the situation is the first step toward finding freedom from debt. Do You Need Credit Counseling? If you’re struggling with credit card debt, it’s essential to ask for help. Neely recommends reaching out for credit counseling if: Christian Credit Counselors can provide guidance and support to help you regain control of your finances. Why Choose Debt Management Over Debt Settlement? Christian Credit Counselors take a debt management approach, which differs significantly from debt settlement or consolidation. Here’s how it works: Pre-Negotiated Terms:Debt Snowball Method:Customizable Enrollment:Free Budgeting Support:This approach focuses on integrity and honoring your commitments while providing a clear path to financial freedom. The Biblical Foundation for Debt Management Managing debt isn’t just about financial freedom—it’s also a way to honor God. Neely emphasizes the importance of aligning debt repayment with biblical values. Romans 13:7-8 encourages believers: “Give to everyone what you owe them … Let no debt remain outstanding, except the continuing debt to love one another.” Through debt management, Christians can fulfill their financial responsibilities, honor their commitments, and live generously, reflecting God’s principles. Take the First Step Toward Freedom If you’re ready to explore debt management, Christian Credit Counselors offers free consultations with no obligation. Their goal is to educate you on your options and help you achieve financial well-being while staying true to your faith. Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more. Managing debt wisely allows us to honor God and live a life of generosity and service to others. Take the step today toward financial freedom and faithful stewardship. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationChristian Credit CounselorsOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” - Proverbs 21:20 God’s Word couldn’t be any plainer on the need to live below one’s means and to be able to save for the future. To do that, you need a budget. Chad Clark is here to share some interesting facts about budgeting. Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. More People Budget Than You Think—But There's a Catch A recent NerdWallet survey revealed that 75% of Americans have a monthly budget. Encouraging, right? However, the same survey found that 84% of those individuals regularly exceed their budget. What happens when people overspend? For 44%, it means relying on credit cards, while 56% dip into their savings. Both paths can lead to financial instability, highlighting the importance of creating a budget that works—and sticking to it. Why Do People Avoid Budgeting? We have heard a variety of reasons why people avoid budgeting, including: “It takes too much time.”“I don’t like math.”“I can’t stick to it—it feels like a diet.”“I don’t need a budget; I’m doing fine.”“It limits my freedom.”Most of these reasons stem from misconceptions about what budgeting truly involves. Busting Common Budgeting Myths Here are a few common misconceptions about budgeting—and the truth behind them: 1. “A budget is about cutting expenses.” Not true! A budget is a decision-making tool to help you prioritize spending and make wise financial choices. It’s about aligning your spending with your values, not just slashing costs. 2. “A budget is too rigid.” Your budget can be as flexible as you need it to be. It’s meant to adapt to your circumstances and help you make adjustments when necessary. 3. “I don’t need a budget because I make enough money.” Even multi-million-dollar companies use budgets! A budget helps you steward what God has entrusted to you, regardless of your income level. How the FaithFi App Can Help You Budget Better The FaithFi app is designed to make budgeting accessible, effective, and Christ-centered. Here’s how it can help: 1. Tailored to Your Money Management Style The app offers three different ways to manage your money so you can choose the method that works best for you. 2. Establishes Healthy Financial Rhythms Whether you prefer daily check-ins or weekly reviews, the app helps you build habits that keep your finances on track. 3. Focuses on More Than Money FaithFi integrates financial management with spiritual growth. Its content and community features encourage you to be a faithful steward of God’s resources. Ready to Get Started? The FaithFi app is more than a budgeting tool—it’s a resource to help you manage your money intentionally and grow in your relationship with the Lord. It’s about bringing order to your finances and aligning your decisions with God’s principles. Download the FaithFi app today at FaithFi.com or find it in your app store by searching for “FaithFi: Faith & Finance.” Make this the year you take control of your finances and honor God as a faithful steward. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationList Of Faith-Based Investment FundsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

Money and relationships are a tricky combination. When a family member or close friend asks to borrow money, it can put you in a difficult spot. On the one hand, you want to help someone you care about, but on the other, lending money can easily lead to strained relationships or hurt feelings. Proverbs 22:7 reads, “The borrower becomes slave to the lender.” Lending money can hurt a relationship. And that can happen whether you lend the money or not. You’re “between a rock and a hard place,” and it seems like either way, someone may end up resentful. There are really only three things that can happen, and only one of them is good: It’s only the third possibility that makes everyone happy: Fortunately, God’s Word gives us guidance here. What Does The Bible Say? First, God’s Word tells us to help those in need…lending money if necessary. Deuteronomy 15:8 says, “You shall open your hand to him and lend him sufficient for his need, whatever it may be.” Turning to the New Testament, in the Sermon on the Mount, Matthew 5:42, Jesus says, “Give to the one who asks you, and do not turn away from the one who wants to borrow from you.” Finally, 1 Timothy 5:8 might make you think the only proper response is to lend money to a family member. It reads, “But if anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever.” Should You Always Lend Money When Asked? Not at all. The above Scriptures imply a couple of things: Here, Scripture has more to say: Proverbs 13:11 warns about one possible outcome of lending money. It reads, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Getting a loan is often the “easy way out.” Maybe the borrower tells you the loan would be a “lifeline”—which it may be. But it’s also “easy money,” and the borrower may not appreciate the effort it takes to create that wealth. When you have to work hard for something…you tend to want to hold onto it. Hard work produces character and wisdom. Proverbs 21:20 reads, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” How Can I Discern A Real Need? So before you get out the checkbook, think carefully about whether there’s a real need. You also have to be sure that lending the money will actually help the borrower. Here are some questions to ask yourself: Finally, if you decide to lend the money, you should draft a written agreement specifying the amount, interest rate, payment structure, and collateral. This will help eliminate misunderstandings later. FaithFi’s New Publication: Faithful Steward We’ve covered this topic in our brand-new quarterly publication, Faithful Steward. Featuring insightful articles and contributions from leading voices in Christian finance, Faithful Steward will help you view money not as an end in itself but as a tool to glorify God and serve others. You can receive this inspiring publication every quarter by becoming a FaithFi partner at $35 or more monthly or $400 a year or more. Visit FaithFi.com/Give to get started today. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"Do you not know that in a race all the runners run, but only one receives the prize? So run that you may obtain it." - 1 Corinthians 9:24 The apostle Paul exhorted the early church at Corinth to run in such a way as to win the prize, but sometimes, with finances, it feels like we’re in a race with no end! Today, Rachel McDonough joins us to talk about setting financial finish lines. Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor. What Are Financial Finish Lines? Financial finish lines answer the question: How much is enough? This concept is built around two primary purposes for financial resources: Provision:Kingdom Impact:While there’s no finish line for Kingdom impact—our generosity can grow indefinitely—establishing clear finish lines in the provision bucket enables us to responsibly allocate more resources for generosity. Setting Finish Lines in the Provision Bucket 1. Lifestyle Spending Defining “enough” for lifestyle spending is the first step. One approach is to use a multiple of the poverty line income for your household. For instance, in 2024, the poverty line income for a family of four is $31,200. Using this as a benchmark, you can determine an appropriate multiple to guide your lifestyle choices. By setting these parameters, you can also calculate how much you’ll need for retirement with greater clarity. 2. Gifts to Family Members Another key area is determining how much is enough when giving to children or grandchildren. While it’s natural to want to help, large, unearned gifts can sometimes have adverse effects. Prayerfully discern how to meet the needs of each family member in a way that fosters responsibility and independence. Like Ron Blue has often said: “If I love my children equally, I will treat them uniquely.” 3. Asset Accumulation Finish lines for asset accumulation answer the question: How much is enough for future provision? Without setting limits, resources that could be used for Kingdom impact may remain stalled in a “potential future needs” category. Financial planning helps determine this figure, often incorporating a margin for unexpected circumstances. Catalyzing Kingdom Impact Establishing finish lines within the provision bucket frees resources for the Kingdom impact bucket. These funds can be directed toward generosity, allowing you to partner with God in advancing His work. A Certified Kingdom Advisor (CKA®) can be an invaluable partner in this process. They can provide tools for cash flow management, budgeting, and financial planning to help you discern how much is enough. As you reflect on your financial goals this year, consider setting finish lines in key areas of your provision. Doing so not only brings clarity and peace but also opens the door to greater Kingdom impact. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Money and Marriage God’s Way by Howard DaytonChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Did you know that anxiety disorders are the most common mental illnesses in the U.S. today? You might assume that we have a major anxiety problem just by the number of commercials you see for new medicines to treat these disorders, but is anxiety really a new thing? The Reality Of Anxiety Modern medicine recognizes anxiety in many forms: generalized anxiety disorder, panic disorder, social anxiety, and various phobias. Data shows nearly a third of all U.S. adults will experience some form of anxiety in their lifetime. The cost of treating anxiety disorders in the U.S. runs into the tens of billions of dollars, with an even higher economic impact due to lost productivity. What causes this widespread anxiety? According to the Mayo Clinic, the causes aren’t fully understood but likely include physical and mental health issues, as well as negative life events such as job loss or financial troubles. If you’re struggling with persistent anxiety, it’s crucial to see a doctor. Medication and counseling can be transformative. Jesus’ Teachings On Anxiety Despite appearing like a modern affliction exacerbated by hectic schedules, technology overload, and perhaps even diet, anxiety is not new. We know this because Jesus addresses it in the Bible, particularly Matthew 6 and Luke 12. Matthew 6:25-26 says: “Therefore I tell you, do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing? Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?” Imagine the disciples traveling around Galilee and Judea, relying on donations for their needs. It’s easy to see why they might have felt anxious about where they’d sleep or their next meal. Jesus encourages them to have faith. In Matthew 6:31-33, He says: “Therefore do not be anxious, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the Gentiles seek after all these things, and your heavenly Father knows that you need them all. But seek first the kingdom of God and his righteousness, and all these things will be added to you.” Resisting The Love Of Money John Rinehart, founder of Gospel Patrons, explains that Jesus aims to free us from fear and anxiety to be distinct from the world. The world often idolizes money and seeks comfort and security through wealth. While financial planning is important, it shouldn’t be for the sake of leisure alone. Rinehart notes that the world is preoccupied with wealth, which can be perilous for Christians. Jesus warns of this temptation, emphasizing the need to resist the love of money by recognizing our value to God. He made us with a purpose. Jesus instructs us to seek God’s Kingdom and righteousness first, promising our needs will be met. We must actively participate in our provision and trust God to fulfill His promise. When we understand our worth to God, we’ll pursue His Kingdom and boldly share the Gospel, glorifying Him in the process. The Choice We All Have To Make Ultimately, we all face a choice: will we follow the world or seek the Kingdom of God and His righteousness? We can’t do both. As Jesus states in Matthew 6:24: “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” Choose God over money and watch the cares of the world fade away. Look At The Sparrows: A 21-Day Devotional from FaithFi If you want to transform your approach to money through faith and find peace in God’s provision, you can purchase a copy of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety at FaithFi.com/sparrows. This devotional will take you on a journey through Scripture to help you discover how to move from financial fear to a life anchored in trust and...

Some people learn from the mistakes of others. Unfortunately, some people have to be the others. Well, you certainly don’t want to be one of the “others” who have to learn things the hard way by making mistakes. Today, we’ll talk to Ron Blue about some of the biggest financial mistakes you want to avoid. Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.” Setting Financial Goals Without clear financial goals, you're essentially aiming at nothing. Goals help you prioritize and manage your spending effectively. Setting goals provides direction and ensures that your spending aligns with your priorities. Avoiding a Consumptive Lifestyle A consumptive lifestyle involves spending significantly more than necessary, often on things that don’t build financial equity. We all face the temptation of greed—a new car or a dress. Overspending on consumable items leads to a lack of financial growth. Instead, focus on investing in things that build equity and create long-term value. The Pitfall of Greed Greed is often disguised in pursuing the American dream. It's a subtle but pervasive issue. Tim Keller, a well-known pastor, once pointed out that in his experience, greed is rarely confessed as a sin. We often justify our spending under the guise of higher motives, which can lead to financial mismanagement. Avoiding greed starts with creating and sticking to a budget. The Importance of Budgeting Many view budgeting as restrictive, but it's quite the opposite—budgeting is liberating. A budget allows for pre-planned spending, which includes saving for vacations and preparing for emergencies like car repairs or broken appliances. Planning your expenses provides financial freedom and security. Giving: A Key to Financial Freedom Many believe that giving should come from surplus rather than regular income. However, giving is essential for experiencing true financial freedom. It's not about the money but about your heart and willingness to trust and honor God with your finances. By following these principles, you can achieve financial contentment and freedom. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueTreasuryDirect.govLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"And whatever you do, in word or deed, do everything in the name of the Lord Jesus, giving thanks to God the Father through him." - Colossians 3:17 God created man for His glory. That means everything we do should glorify God, including how we manage money. Chad Clark joins us today to talk about how FaithFi is helping God’s people be more faithful stewards—all for His glory. Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. Why FaithFi’s Mission Is Crucial Money is more than a financial issue—it’s a heart issue. Chad explained how money and possessions, as seen throughout Scripture, often lead to pride, greed, and idolatry, drawing hearts away from God. This is just as true today as it was in biblical times. Shockingly, a recent study revealed that 94% of Christians do not hold a biblical worldview, highlighting the urgent need for ministries like FaithFi. Our work centers on equipping and encouraging believers to adopt a biblical perspective on money, helping them move from greed and idolatry to generosity and contentment rooted in treasuring God above all else. A Ministry of Impact FaithFi’s mission comes alive through our various initiatives, including: The Faith & Finance Radio Show and Podcast: The FaithFi App: FaithFi app Studies and Devotionals: Rich Toward GodLook at the SparrowsYour Opportunity to Double the Impact As FaithFi continues to expand, we remain committed to equipping Christians to steward their resources for God’s glory. None of this would be possible without the generous support of our listeners and partners. This ministry thrives because of your generosity. Right now, every gift is doubled thanks to a matching challenge that ends tomorrow, December 31. Your support fuels resources like the FaithFi app, radio program, studies, and devotionals—reaching more hearts with God’s truth. Would you prayerfully consider making a gift today? Visit FaithFi.com/impact to make a difference. Together, we can help more believers treasure God above all else and experience the peace and contentment that comes from living generously. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: FaithFi.com/impactThe Secret Slide Money Club Series by Dr. Art RainerOpen Hands FinanceCompass Financial MinistrySSA.govLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.