Faith & Finance

The Puritan poet Anne Bradstreet once wrote, “Wisdom without an inheritance is better than an inheritance without wisdom.” These words are just as relevant today as they were in the 17th century, especially as we approach one of the largest wealth transfers in history. It’s estimated that Baby Boomers will pass down as much as $68 trillion to their heirs by 2030. But is the next generation prepared to manage this wealth wisely? Research suggests that many are not. Let’s explore what this historic transfer means, the potential challenges, and how families can prepare. Biblical Wisdom on Wealth and Inheritance Anne Bradstreet was undoubtedly inspired by Ecclesiastes 7:11-12, which says: “Wisdom is good with an inheritance, an advantage to those who see the sun. For the protection of wisdom is like the protection of money, and the advantage of knowledge is that wisdom preserves the life of him who has it.” While passing down financial assets is important, passing down financial wisdom is even more crucial. However, research shows that many Boomers are not equipping their heirs with the knowledge needed to manage this wealth effectively. A recent study by investment giant Edward Jones found that: While these numbers show a strong intention to pass down wealth, the study also revealed some concerning trends: That means millions of Millennials and Gen Z-ers may inherit significant wealth without the financial wisdom needed to steward it well. Experts warn that it is more important than ever for families to discuss wealth transfer and seek professional guidance when necessary. Four Common Approaches to Wealth Transfer Although this is the largest generational wealth transfer in history, not all heirs will receive as much as they might expect. One major reason for this is increasing life expectancy—Boomers are living longer and consuming more of their assets, particularly due to rising healthcare costs. The Edward Jones study identified four main ways wealth is being transferred: 1. Traditional Giving This is the most common method, where parents pass their wealth—cash, stocks, real estate, and other assets—directly to their children. However, conversations are needed to ensure both generations understand the plan. Parents should also be mindful of using enough assets to maintain their own healthy and secure lifestyle in retirement. 2. Giving While Living Rather than waiting until death, some Boomers are helping their children and grandchildren now by: While this can be a blessing, it also raises concerns. Some heirs may wonder if there will be anything left for them later. Early conversations about financial plans can help alleviate these concerns and ensure realistic expectations. 3. Generational Skipping Some Boomers are choosing to pass wealth directly to their grandchildren instead of their children. This may be done to: A surprising one in four respondents in the Edward Jones study believes their grandchildren will be better stewards of wealth than their children. However, skipping a generation in inheritance can strain family relationships. Open communication is key to ensuring no one feels left out or overlooked. 4. No Inheritance Left Some Millennials and Gen Z-ers may find there is little or nothing left for them to inherit. Longer life spans and increasing costs may require Boomers to use up more of their assets in retirement. Financial experts generally recommend retirees withdraw no more than 4% per year from their retirement savings to preserve their assets. However, that may not always be possible, especially with rising medical expenses. How to Prepare for a Successful Wealth Transfer Open and proactive communication is the key to a smooth and responsible wealth transfer. Here are some steps families can take: 1. Have the Conversation Boomers should sit down with their adult children and discuss their financial plans. This conversation should include: 2. Hold a Family Conference One...

Albert Einstein reportedly once said, “The hardest thing in the world is to understand the income tax.” Well, if Einstein thought the U.S. tax code was mysterious, imagine how difficult it is for the rest of us. So, it’s a real blessing that Kevin Cross joins us today with some much-needed tax tips. Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the IRS. Key Tax Changes When Filing 2024 Taxes With W-2s and 1099s now in hand, taxpayers are beginning to file their returns. Here are some important updates to keep in mind: 1. Crypto and Stock Reporting is More Sophisticated If you’ve traded stocks or cryptocurrency, be aware that financial institutions are now required to provide more detailed and structured reporting to the IRS. Trying to avoid reporting crypto losses or small transactions? That’s not an option anymore. Even if you had minimal gains or losses, it’s crucial to report them accurately. 2. Gig Workers Need to Track Expenses Carefully More people than ever are working in the gig economy—driving for rideshare services, delivering food, and freelancing. If you received a 1099 and saw a higher-than-expected income total, remember that you can deduct legitimate business expenses. Some key expenses to track include: 3. Home Office Deduction Made Simple For those working from home, the simplified home office deduction remains available. Instead of complex calculations, the IRS offers a straightforward option: you can deduct up to $1,500 based on the square footage of your home used for business. This method, sometimes called the "tax court method," makes claiming a home office deduction much easier. Beware of Tax Scams: A New Threat Emerges Unfortunately, tax season also brings an increase in fraudulent activity. One of the most concerning scams right now involves Merrill Lynch accounts, and it’s catching even savvy investors off guard. The Merrill Lynch Phishing Scam Here’s how it works: This scam is particularly dangerous because it plays off real events, making it feel credible. Tragically, one victim lost $900,000 in savings and was so devastated that he took his own life. How to Protect Yourself Scammers rely on urgency and deception. Here’s how you can stay safe: As you prepare your taxes this year, keep these key points in mind: If you need more tax guidance, you can learn more at KevinCrossCPA.com. Stay safe and file smart this tax season! On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian 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.

It’s often said that wisdom may create wealth, but wealth rarely creates wisdom. What’s more valuable, wisdom or wealth? Before you answer, consider that wealth is fleeting, but wisdom is never lost. John Cortines joins us today to discuss why wisdom over wealth is always the right choice. John Cortines is the Director of Grantmaking at The Maclellan Foundation and previously served as the Chief Operations Officer at Generous Giving. He is the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart. A Study in Ecclesiastes: Wisdom Over Wealth For the last year, John has been working on an in-depth study for FaithFi titled "Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money." The study is designed to help believers align their financial decisions with biblical principles. At the heart of the study is a profound truth: while wisdom and wealth are both valuable, only wisdom can preserve life. A Tale of Three Siblings: The Power of Wisdom To illustrate Ecclesiastes's message, John shares a real-life story that highlights the stark contrast between wisdom and wealth: Three siblings each inherited $1 million at age 18—a life-changing sum. Yet, their paths diverged dramatically: This story powerfully illustrates that wisdom can generate wealth, but wealth rarely generates wisdom. Why Prioritizing Wisdom Matters Ecclesiastes sheds light on this principle in Ecclesiastes 7:11-12: "Wisdom, like an inheritance, is a good thing and benefits those who see the sun. Wisdom is a shelter as money is a shelter, but the advantage of knowledge is this: wisdom preserves those who have it." John shares three lessons from this passage that we can take from this: While Scripture never condemns wealth, it warns us to prioritize wisdom above financial gain. Thanks to compound interest and investments, wealth tends to grow exponentially throughout life. However, wisdom doesn’t grow automatically—it requires intentional effort. If wealth outpaces wisdom, it creates danger. But when wisdom leads, it preserves our life and financial well-being. This is especially critical during sudden wealth events, such as receiving an inheritance, a bonus, or selling a business. Without wisdom, wealth can disappear quickly. So, if wisdom is more valuable than wealth, how do we pursue it? Wisdom isn’t just a set of principles—it’s a person. 1 Corinthians 1:24 refers to Jesus as: "Christ, the power of God and the wisdom of God." True wisdom begins with knowing Christ. It’s about seeking Him through prayer, studying His Word, and surrounding yourself with godly counsel. Wisdom Before Wealth: A Message for Parents For those preparing to transfer wealth to the next generation, we must prioritize passing down wisdom first. The great wealth transfer is happening all around us, but money without wisdom can be destructive. Parents should talk about finances, generosity, and stewardship long before an inheritance is passed down. Here’s how to transfer wisdom before wealth: The worst approach is to write a will, wait until you pass away, and hope your kids figure it out. Open the conversation today. The Larger Message of Ecclesiastes: Jesus is Our Ultimate Wisdom Throughout the book of Ecclesiastes, there are two major themes: The Shortness of Life Aligning Finances with FaithLife is short. Let’s honor God with our time, talents, and treasure. Wisdom is ultimately found in Jesus Christ. When we align our hearts with Him, our finances, decisions, and entire lives are transformed. Let’s pursue wisdom over wealth, knowing that true riches are found in Christ. As you consider your finances, ask yourself: Money is temporary. Wisdom is eternal. Choose wisely. FaithFi’s Newest Study: Wisdom Over Wealth If you’d like to dive deeper into FaithFi’s new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money is available for pre-order now at...

Why don’t credit cards ever drown? Because they always have a float to keep them afloat! A little humor to start your day, but in reality, credit card float is no laughing matter—it can quietly put you one step behind financially and even lead to unexpected interest charges. Today, Chad Clark joins us to break down what credit card float is and how you can steer clear of its pitfalls. 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. What Is Credit Card Float? Credit card float refers to the period of time between when you make a purchase with your credit card and when you actually pay for it. Since using a credit card means borrowing money, this float period allows you to delay paying for purchases—often up to 55 days—without incurring interest, as long as you pay your statement balance in full by the due date. Let’s say you purchase a pair of shoes on January 1st, right at the start of your billing cycle. If your statement closes on January 31st, your payment due date might be around February 25th. This means you have up to 55 days from the date of purchase to pay off the expense without interest. At first glance, credit card float sounds like a great deal—after all, you get to borrow money for free for a certain period. However, there’s a hidden risk: you might unknowingly be living one paycheck behind. Here’s why: While this system works as long as you have a steady paycheck, it can become problematic if unexpected expenses arise or your income changes. The Best Way to Avoid Credit Card Float To determine whether you’re unintentionally riding the float, do this quick check: This means if you lost your income tomorrow, you wouldn’t be able to fully pay off what you’ve already spent. To stay financially secure and avoid relying on the float, follow this key principle: Always have enough money in your checking account to fully pay off your credit card balance at any time—not just the statement balance, but the full balance. That way, when your bill arrives, you can pay it without dipping into savings or waiting for your next paycheck. How the FaithFi App Can Help Many people don’t realize they’re caught in the float cycle until it’s too late. That’s where the FaithFi app comes in. FaithFi’s envelope system helps users track their spending and ensure they always have enough money set aside to pay off credit card balances in full. Users can ensure they're never one step behind financially by reconciling credit card envelopes within the app. If you want to stay on top of your spending and break free from the credit card float cycle, check out the FaithFi app at FaithFi.com or download it from your app store today. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsUnclaimedRetirementBenefits.com (The National Registry of Unclaimed Retirement Benefits)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteLook 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 not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words." – Matthew 6:7 In Matthew 6, Jesus warns against meaningless repetition in prayer. Thankfully, He doesn’t leave us wondering how to pray. Instead, He gives us the Lord’s Prayer—an example of how we should approach God with our needs. But have you ever noticed how often we overlook a key part of this prayer? The request for provision: "Give us this day our daily bread." – Matthew 6:11 This simple yet profound verse reminds us that God is our provider. He wants us to come before Him humbly, asking for what we need. And in a world where self-sufficiency is often celebrated, this truth is more important than ever. God Is Our Provider Jesus’ words in Matthew 6:11 serve as a powerful reminder that we depend on God for our most basic needs—starting with food. It’s easy to take this for granted, especially in a time and place where food shortages are rarely a daily concern. But do we truly recognize that all provision comes from God? Do we regularly thank Him for our meals and daily necessities? Or do we fall into the trap of thinking that our own efforts—our jobs, savings, and financial planning—are what sustain us? It’s only when we face scarcity—when food, money, or security seem uncertain—that we remember our true dependence on God. But Jesus calls us to recognize this truth every day, not just in times of crisis. The phrase “Give us this day our daily bread” has a deeper meaning than just food. It speaks to all our needs—physical, emotional, and spiritual. We hunger for more than just nourishment. We long for peace, love, purpose, and meaningful relationships. Jesus teaches us to bring these needs to God in prayer, acknowledging that only He can truly satisfy us. The Lord’s Prayer is not just about survival—it’s about trusting that God will provide everything we need, both physically and spiritually. The Danger of Self-Sufficiency For those of us living in relative abundance, the idea of asking for daily bread might feel distant. Unlike Jesus’ original audience, who often faced food insecurity, we may not think about whether we’ll eat tomorrow. In fact, for many, the challenge is having too much rather than too little. Yet, even in prosperity, Jesus’ words remain critical. This prayer reminds us that we are not self-sufficient. It helps guard against the illusion that we control our own destiny. The danger of materialism is subtle. We may not consciously reject God’s provision, but when we place our trust in our bank accounts, investments, or careers, we begin to believe that we sustain ourselves. That mindset leads to pride—and ultimately distances us from God. Jesus knew our hearts would struggle with this. That’s why He later says: "Seek first the kingdom of God and His righteousness, and all these things will be added to you." – Matthew 6:33 We don’t need to worry about our next meal, our financial security, or our future. What we truly need is God Himself. And prayer reminds us of that. Breaking the Grip of Materialism One way to keep our hearts aligned with this truth is through generosity. Giving is a tangible way to acknowledge that God—not our wealth—is our provider. When we give, we loosen the grip that money has on us and demonstrate our faith that God will continue to meet our needs. There will always be reasons to worry—economic downturns, market fluctuations, unexpected expenses. But these uncertainties should drive us to prayer, not fear. So, the next time you pray, “Give us this day our daily bread,” say it with sincerity. Recognize your dependence on God. Thank Him for His provision. And let that gratitude lead you to trust—and give—more freely. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God:...

You’re generous; you love to give. But how do you know that your giving is having a real impact? It’s great that you have a heart for giving. The next step is to make sure your giving really counts…and that’s by aligning it with God’s heart. David Wills is here today to help us do that. David Wills is President Emeritus of The National Christian Foundation (NCF). He is also the co-author of Investing in God’s Business (The “How To” of Smart Christian Giving) and numerous articles and lectures nationwide. The Three Big Questions of Generosity When it comes to giving, most Christians wrestle with three fundamental questions: The first two questions deal with the heart and the head—our motivations for generosity and the practical ways to implement it. But the third question—where should I give?—often receives less attention. Instead of starting with our passions, we should begin with God's priorities. God asks us to be generous on every occasion so that it brings Him glory and joy to our hearts. But instead of asking, “What am I passionate about?” We should ask, “What is God passionate about?” A Framework for Giving: The Three-by-Three Grid To help believers align their giving with God’s priorities, David introduced a three-by-three framework that incorporates both geography and biblical causes. 1. The Geography of Giving A great biblical guide for the where of giving comes from Acts 1:8: “You will be my witnesses in Jerusalem, and in all Judea and Samaria, and to the ends of the earth.” This verse provides a three-tiered approach to geographic giving: Local (Jerusalem) National (Judea and Samaria) International (Ends of the Earth)Most people focus on what’s right in front of them—their local church or nearby needs. However, a biblical giving strategy challenges us to think beyond our immediate surroundings. 2. The Biblical Priorities of Giving Scripture reveals three overarching themes that reflect God's heart for giving: The Great Commission (Matthew 28:19-20) The Greatest Commandment (Matthew 22:37-38) The Great Compassion (Matthew 22:39)These three biblical priorities form the vertical axis of the giving framework, while geography forms the horizontal axis. By overlaying these two dimensions—geography and biblical priorities—believers can develop a well-rounded and God-centered giving plan. This framework helps us see the gaps in our giving. Many believers focus on what’s nearby, but God calls us to care for those who have never heard the Gospel or are in extreme need. Making Giving a Family Practice One of the most powerful aspects of this framework is its ability to teach children about generosity. Parents can use this model to discuss giving priorities as a family and even create a family giving plan that reflects God’s heart. We encourage families to: For those who want to track their giving over time, organizations like the National Christian Foundation (NCF) provide tools to help families and individuals monitor their generosity. Aligning Your Giving with God's Heart Ultimately, giving isn’t about following personal passions—it’s about reflecting God’s heart. By using a biblical framework for giving, we can be more intentional and experience greater joy in generosity. Take Action Today: NCFTo read David’s full article on this topic, explore Faithful Steward, FaithFi’s new quarterly magazine. You can access it by becoming a FaithFi Partner for $35 per month or $400 per year at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineNational Christian Foundation (NCF)Money Teen Checking Account (Capital One)GreenlightLook 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...

"And my God will supply every need of yours according to His riches in glory in Christ Jesus." — Philippians 4:19 This verse is a powerful reminder that God is our ultimate provider, no matter the economic uncertainties we face. Recently, we have seen that many have been concerned about trade tariffs and their potential impact on the economy. Today, Bob Doll joins us to explain what this means and what we can expect moving forward. 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. What Are Tariffs and How Do They Affect Us? Tariffs are essentially taxes. If a 10% tariff is placed on imported goods, the price of those goods increases. That means consumers pay more for the products they need, which can slow down economic activity. However, tariffs are not just about taxation; they are often used as a bargaining tool in international trade negotiations. Sometimes, it depends on the day of the week because tariffs are on one day and then off the next. This back-and-forth can create uncertainty in the market and impact businesses, investors, and consumers alike. Why Do Markets React Negatively to Tariffs? The stock market tends to respond negatively whenever there's talk of tariffs. Why? Tariffs can slow economic growth. If companies and consumers have to pay more for goods, they either buy fewer products or cut back on spending in other areas. This dampens growth, and the market doesn’t like it. Could tariffs alone push the economy into a recession? If they are significant enough, last too long, and trigger retaliation from other countries, it could certainly lead to what economists call a trade war. A trade war is not healthy for economic growth, but cooler minds will likely prevent it from escalating too far. The Strategy Behind Tariffs: Negotiation or Necessity? So, is the push for tariffs simply a negotiation tactic, or is there a deeper economic issue at play? There’s no question that the U.S. has a trade imbalance with many countries. Addressing this imbalance is part of the reasoning behind tariffs. However, political leaders understand the risks and use tariffs more as a bargaining tool than a long-term strategy. They don’t want to sink the economy because these leaders have a vested interest in economic stability. Finding Peace in Economic Uncertainty Discussions about tariffs, markets, and recessions can easily lead to fear. Economic uncertainty often leaves people feeling anxious about their financial future. But as believers, we have a greater source of security. Here are three key reminders: Leaders Care About Economic Stability The Economy is Resilient God is in ControlFocus on What You Can Control: Faithful Stewardship While we can’t control global trade policies, tax laws, or the stock market, we can control how we manage our own finances. We can control our own little economies—what passes through our hands. That means practicing faithful stewardship. We need to take care of everything God has given us—not just money, but all aspects of life: our minds, our bodies, our time. Being wise stewards of our finances means making thoughtful financial decisions, saving wisely, and giving generously. After all, it’s not ours; it’s all God’s. When we recognize that everything we have belongs to God, it transforms the way we handle money. Rather than holding onto it tightly, we can give joyfully and generously. Economic uncertainty will always exist, whether through tariffs, inflation, or market fluctuations. But believers are called to a higher perspective. Instead of being driven by fear, we can rest in the truth that God is sovereign over all things—even global trade policies. The key is to focus on what we can control: managing our finances wisely, practicing faithful stewardship, and embracing the joy of generosity. And through it all, we can trust that God is our refuge and...

"Prepare your work outside; get everything ready for yourself in the field, and after that build your house." - Proverbs 24:27 That verse underscores the need for planning and execution, key elements for long-term financial success. Matt Bell joins us today to discuss how to put planning and execution to work for you. Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Importance of a Financial Plan Life tends to happen to us while we’re making other plans. Unfortunately, for many people, life happens without any financial planning at all. Millions of individuals fail to establish a clear strategy for managing their money, and even those who attempt to plan often struggle to stay on track. Without a plan, it's easy to drift financially, reacting to circumstances rather than proactively building a stable financial future. The impact of financial planning—and, more importantly, execution—can be profound. A 2011 study analyzed data from over 1,200 individuals aged 50 and older, examining their approach to financial planning and its effect on their retirement net worth. The study categorized participants into four groups based on their level of planning and follow-through: Non-Planners: Simple Planners: Serious Planners: Successful Planners:Even Small Steps Can Make a Big Difference One encouraging takeaway from this study is that every step toward better planning leads to improved financial outcomes. Even moving from the “non-planner” to the “simple planner” category doubled or tripled net worth at retirement. Advancing to the “serious planner” level added another 25% to 35% in wealth accumulation. This demonstrates that financial planning isn’t an all-or-nothing proposition. Even taking small steps—like estimating future financial needs or using basic retirement calculators—can lead to significant benefits. Proverbs 21:5 reminds us, “The plans of the diligent lead to profit.” This timeless wisdom underscores the necessity of both planning and execution. If you haven’t started the planning process yet, or if you have a plan but aren’t consistently following it, research shows there’s substantial value in getting back on track. Tools like Sound Mind Investing’s MoneyGuide, or even free online retirement calculators, can be a great way to start. Long-term financial success doesn’t happen by accident—it requires both a solid plan and the discipline to follow through. Every step forward matters, whether you’re just beginning your financial journey or looking to refine your existing plan. For more insights, you can read the full article, “Planning and Execution: The Keys to Long-Term Financial Success,” at SoundMindInvesting.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationSound Mind InvestingMoneyGuidePlanning and Execution: The Keys to Long-Term Financial Success (Article from Sound Mind Investing)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

If you’re worried about your financial future, struggling to figure out how to pay for college, or feeling the pinch at the grocery store, you’re not alone. Financial challenges can make joy seem out of reach, but as Christians, we are called to face difficulties with a heart at peace. When financial worries—or struggles of any kind—overwhelm us, God’s Word offers wisdom and reassurance. Here are three biblical principles to hold onto in difficult times: Hardships Can Strengthen Your Faith The book of James opens with a powerful challenge: "Consider it pure joy…whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance." – James 1:2-3 At first glance, this perspective on financial struggles might seem counterintuitive. Why would we consider trials to be beneficial? James isn’t saying that we should enjoy hardship itself but that through trials, God is shaping us into the people He wants us to be. James was writing to believers far from home, discouraged, and facing persecution—challenges far greater than most of us experience. Yet he reassured them: “The testing of your faith develops perseverance, and perseverance must finish its work so you may be mature and complete, not lacking anything.” – James 1:3-4 Like muscles that grow stronger through resistance and tearing down before being rebuilt, our faith is strengthened through trials. Financial difficulties can either weaken our faith or push us closer to God, deepening our trust in His provision. Joy and Peace Are Not Dependent on Circumstances Financial struggles are a part of life, but joy is an attitude that looks beyond the pain and frustration of the moment. Nehemiah 8:10 reminds us: "The joy of the Lord is our strength." This joy isn’t based on how much money is in our bank account or whether our financial future is secure. Instead, it comes from knowing that our true security is in Christ. Similarly, peace isn’t dependent on our financial situation. True peace is found in the assurance that nothing can separate us from God’s love: “Neither height nor depth, nor anything else in all creation, will be able to separate us from the love of God that is in Christ Jesus our Lord.” – Romans 8:39 This is the kind of peace that Philippians 4:7 describes as “surpassing all understanding.” It doesn’t make sense from a worldly perspective, but it is real and available to us when we place our trust in God rather than our financial stability. Does God Want Me to Be Happy? A common question people ask during financial hardship is, “Doesn’t God want me to be happy?” The assumption is that if God is loving, He would protect us from circumstances that cause discomfort or pain. However, this is a misunderstanding of God's character. God is not a cosmic Santa Claus who gives us everything we want to make life easy. Instead, He offers us something far greater—Himself. He created us for a relationship with Him, and true fulfillment is found when He is our greatest treasure. “Now if we are children, then we are heirs—heirs of God and co-heirs with Christ, if indeed we share in his sufferings in order that we may also share in his glory.” – Romans 8:17 Happiness is fleeting, tied to external circumstances like economic trends, financial stability, and shifting emotions. But joy in Christ is constant, anchored in God's unchanging character. We can navigate any financial challenge with peace because He is always good, just, and loving. Your Struggles Have a Purpose No trial is without meaning. God may allow financial struggles for several reasons: Romans 8:28 gives us a powerful promise: “And we know that in all things God works for the good of those who love him, who have been called according to his purpose.” Even in financial hardships, God is at work. He is refining us, drawing us closer to Him, and shaping us into the people He created us to be. Understanding these biblical truths can transform the way we...

“Let each one of you love his wife as himself, and let the wife see that she respects her husband.” - Ephesians 5:33 Love and respect are often conveyed in the words that spouses choose to communicate. Those words can have a big impact on the marriage relationship. Kathleen Edelman joins us to discuss choosing the right words for your spouse. 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 thirty years coaching clients in communication. The Key to Healthy Communication in Marriage Communication styles are the key to understanding one another. There's a big gray area between what we say and what our spouse hears. Each temperament speaks its own language, and we must apply it to become fluent in our spouse’s language. Many marital conflicts appear to be about money, parenting, or household responsibilities, but at their core, they stem from miscommunication. Recognizing that your spouse’s temperament affects how they express and receive information is the first step toward reducing misunderstandings. One of the biggest communication pitfalls is assumption—assuming that your spouse speaks and understands your language. That’s not true. We each speak our own language and must become fluent in our spouse’s language. Another common trap is operating out of our weaknesses rather than our strengths. Ask yourself: “What part did I play in this miscommunication?”“How can I choose differently to stay in my strengths?”Most miscommunication is not intentional, she emphasizes. Rather, it’s a result of speaking different emotional and verbal languages. The Power of Words: Choosing to Build Up, Not Tear Down Ephesians 4:29 reminds us: "Do not let any unwholesome talk come out of your mouths, but only what is helpful for building others up according to their needs, that it may benefit those who listen." Our words hold incredible power. They can either build up or tear down our spouse. Learning to communicate in a way that blesses rather than wounds is a game changer in marriage. Listening is a critical skill in communication, and there are three key practices for improving it: The Power of the Pause— Listening to Understand— Responding, Not Reacting—We should desire that every word that comes out of our mouths be a gift to the person we speak to. Of course, it’s also crucial to remember that communication is more than words—it includes body language, tone, and facial expressions. Our temperament even affects how we express ourselves nonverbally. Everything you do is motivated by the design God gave you. Understanding how our spouse interprets our nonverbal cues can help avoid unnecessary misunderstandings. Understanding Temperaments in Marriage A significant takeaway from Kathleen’s work is the importance of understanding temperaments—both our own and our spouse’s. Kathleen’s book includes an inventory to help couples identify their temperament, which can be a game changer in communication. Each temperament has specific needs that shape how they engage in communication: Yellows (Sanguine)—Reds (Choleric)—Blues (Melancholic)—Greens (Phlegmatic)—When couples recognize these differences, it fosters empathy and prevents unnecessary frustration. Money is a significant source of marital conflict, but these disagreements often stem from temperament differences more than financial realities. Understanding why your spouse approaches money how they do can foster mutual respect and teamwork. Instead of seeing their perspective as frustrating, you can recognize it as their God-given design. Keeping Communication Strong Over the Years As years pass, spouses may drift apart if they stop investing in communication. That’s why couples are encouraged to stay in dating mode: Remember why you fell in love. Look for the best in your spouse. Avoid complacency.When couples continue...

With financial fraud on the rise, protecting your personal and banking information has never been more important. A recent JD Power study found that nearly 29% of bank account holders experienced fraud in some form over a 12-month period. To help us navigate the best security practices, Aaron Caid shares expert advice on how to safeguard your accounts from cybercriminals. Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. 1. Strengthen Your Password Security A strong, unique password is your first line of defense against fraud. Here’s how to create one that’s tough to crack: In addition to a strong password, enable two-factor authentication (2FA) for your financial apps. This extra layer of security requires a one-time passcode (usually sent via text or an authentication app) to verify your identity when logging in or completing transactions. Pro Tip: Turn off text message previews on your phone. If a scammer steals your phone, they could see your passcode on your lock screen and gain access to your accounts. 2. Monitor Your Accounts & Stay Alert for Fraud Vigilance is key when it comes to detecting fraudulent activity early. EquifaxExperianTransUnion AnnualCreditReport.comFraudsters also use phishing scams—fake emails, texts, or calls—to trick people into giving away personal information. These scams often create a sense of urgency to pressure you into acting quickly. Never share your: Hackers can spoof phone numbers and email addresses to make messages appear legitimate, even impersonating banks and credit unions. If you’re ever unsure, call your financial institution directly to verify any suspicious messages. 3. Use Secure Wi-Fi & Protect Your Personal Information We all love a good coffee shop work session, but public Wi-Fi networks are a big security risk when accessing sensitive financial accounts. Hackers can intercept your data and steal your login credentials. Also, ensure you don’t let identity thieves find your personal information in the trash! Shred documents containing sensitive details like account numbers, social security numbers, or other financial information. Shredders cost as little as $35—a small price to pay for big security. Stay Secure & Bank with Purpose As fraud prevention becomes increasingly important, many Christians are seeking banking solutions that align with their values. Christian Community Credit Union (CCCU) offers a Harvest Bundle—a unique checking and savings account designed to help members grow their savings while supporting missions worldwide. A portion of proceeds supports missions, including gospel outreach, protecting vulnerable children, and fighting human trafficking. For those looking to align their banking with their faith, the Harvest Bundle from CCCU offers competitive rates and kingdom impact—a win-win for wise financial stewardship. If you're looking for a banking partner that reflects your faith and values, consider joining Christian Community Credit Union (CCCU). Ready to bank with purpose? Visit JoinChristianCommunity.com today! On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineList of Faith-Based Investing FundsCenters for Medicare & Medicaid Services (CMS.gov)AnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

The real estate market may be in its winter slump, but spring is just around the corner—only five weeks away! Higher interest rates have kept many home buyers and sellers off the sidelines in recent years. But could a change be on the horizon? Today, mortgage expert Dale Vermillion joins us with a market forecast and some practical advice on how to move forward. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective. Is the Housing Market About to Shift? For the past few years, many homeowners have stayed put due to high interest rates, a phenomenon known as the lock-in effect. However, recent data suggests a shift might be on the horizon. Should Buyers Accept Current Interest Rates? Many potential buyers have been waiting for rates to drop before making a move. But sometimes, waiting is no longer an option. Life goes on, and people need to relocate for jobs, family, or other personal reasons. That said, budgeting wisely is key. Before purchasing a home, we recommend: While mortgage rates remain higher than the record lows of a few years ago, waiting indefinitely for the “perfect” rate may mean missing out on opportunities. What to Expect From Interest Rates in 2025 Many homebuyers have been banking on rate cuts to ease affordability, but will they actually happen? Bottom line: Mortgage rates are likely to stay between 6% and 7% for most of 2025, with a slight possibility of dipping into the high 5% range. Navigating the 2025 Housing Market Whether you’re looking to buy or sell, market conditions are changing, and understanding them is crucial. For Sellers: For Buyers: Mortgage Trends: What’s Changed? If it’s been a while since you’ve looked into getting a mortgage, you may be surprised by the range of options now available. The housing market is shifting, and while interest rates may not drop dramatically, buyers and sellers alike have opportunities in 2025. For those needing to move, careful planning and budgeting will be essential. And for sellers, this could be a good time to capitalize on home values before potential declines. No matter your situation, making an informed, strategic decision is key, and consulting professionals can confidently help you navigate the mortgage landscape. For more expert insights on financing your home, check out The Mortgage Maze: The Simple Truth About Financing Your Home by Dale Vermillion. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationNavigating the Mortgage Maze: The Simple Truth About Financing Your HomeLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

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

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

“Whoever has a bountiful eye will be blessed, for he shares his bread with the poor.” - Proverbs 22:9 Do you have a generous heart—one that seeks out opportunities to bless others, especially those in need? Today, Kelly Miller joins us to share a powerful way you can not only support the poor around the world but also help bring lasting transformation to their lives. Kelly Miller is the CEO and President of Cross International, an underwriter of Faith & Finance. The Global Crisis: Hunger, Clean Water, and Poverty Poverty remains a critical issue around the world, affecting millions of families who struggle to access basic necessities like food, clean water, and education. The numbers are staggering: Cross International is a faith-based humanitarian organization dedicated to transforming the lives of impoverished individuals and families worldwide. It is on the front lines, working in over a dozen low-income countries to meet these urgent needs while also addressing the deeper spiritual transformation that brings lasting hope. The Mission of Cross International Founded in 2001, Cross International partners with local Christian ministries to provide essential resources to struggling communities. Their mission is to provide food, water, and shelter and transform lives through the love of Christ. The organization primarily serves Latin America and regions of Eastern and Southern Africa, where the need is particularly dire. Through local partnerships, they empower communities by offering: Beyond Humanitarian Aid: Transforming Lives Through Christ Cross International goes beyond simply meeting physical needs—they focus on long-term transformation. One example of this is their Thriving Kids Initiative, which ensures children not only receive food and education but also grow in faith and purpose. Take Kenny, a young man from rural Malawi. He grew up in extreme poverty, with little access to food or education. Through Cross International’s partnership with local ministries, Kenny was able to attend school and receive his only meal of the day—a nutritious meal provided through the program. Over the years, Kenny has thrived academically, and today, he is a university student in Malawi. He dreams of returning to his village, starting a business, and helping lift others out of poverty. His story is just one of many transformed lives through the work of Cross International. How You Can Help: Become a Thriving Kids Ambassador The impact of your generosity can be life-changing. For just $62, you can provide: Your gift can make an eternal difference in a child's life. Consider becoming a Thriving Kids Ambassador by giving today. Every gift of $62 helps a child not only survive but thrive through the love of Christ. To join this mission, visit crossinternational.org/faith. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationCross InternationalLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“I have no greater joy than to hear that my children are walking in the truth.” - 3 John 1:4 In that verse, the Apostle John praises his friend Gaius and other believers for their generosity toward missionaries. As parents, we want our children to be generous toward God’s Kingdom. Dr. Art Rainer joins us today with some steps we can take to grow our kids in generosity. Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is also the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money and the Secret Slide Money Club, a book series designed to teach young readers about God’s way of being wise with money. Why Teaching Generosity Matters Parenting is a high calling. Everything we say and do influences our children’s lives, shaping their worldview and their relationship with God. Generosity is part of God’s plan for His people, so we must intentionally guide our kids away from selfishness and toward selflessness. But how do we teach children to be generous when human nature tends to favor holding on rather than giving away? It starts with a few key principles. 1. Model Gratefulness Before kids can learn to give, they must first recognize the blessings they’ve received. A heart of gratitude fosters a heart of generosity. everything belongs to God Gratefulness leads to an open-handed posture toward money and possessions. 2. Talk About Generosity Children won’t naturally connect giving to their faith unless we explain it to them. Conversations about generosity help shape their understanding of why we give. God first gave to us 3. Model Generosity in Everyday Life Kids have a strong radar for hypocrisy. If we talk about generosity but don’t practice it, they’ll notice. That’s why we must demonstrate generosity in tangible ways. see “Have you ever needed help? How did it feel when someone helped you?” When children witness generosity in action, they begin to understand its value. 4. Let Them Earn and Give For kids to truly grasp generosity, they need to experience both the sacrifice and joy of giving. One way to do this is by allowing them to earn their own money. chooseHandling their own money makes giving more meaningful and personal. 5. Prioritize Giving to the Local Church One of the best ways to instill a habit of generosity is by encouraging children to give to their church. 6. Encourage Giving with Joy, Not Guilt Giving should be joyful, not forced. Pressuring kids to give out of obligation can lead to resentment rather than a cheerful heart. Instead, celebrate their generosity and show them the blessings that come from giving freely. As 2 Corinthians 9:7 reminds us, “God loves a cheerful giver.” Raising generous children requires intentionality. By modeling gratefulness, discussing generosity, and providing opportunities for them to give, we can help shape their hearts to reflect God’s generosity. Want to dive deeper into this topic? You can read more in Faithful Steward, FaithFi’s brand-new quarterly publication that equips families to align their faith and finances for God’s glory. To start receiving Faithful Steward every quarter, become a FaithFi Partner by giving $35 or more per month or $400 annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi...

You want to give generously to your church, but your non-believing spouse objects. What do you do? We occasionally get that question, and it’s a situation that must be handled with care. If you or someone you know is in that position, don’t miss today’s program, as Ron Blue is here with some sage advice. Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.” Biblical Principles for Giving in Marriage There are two key biblical principles to consider when navigating giving disagreements in marriage: Marriage is more important than money. Submission and honor in marriage matter.“submit to one another out of reverence for Christ,”“are no longer two, but one flesh. What therefore God has joined together, let not man separate.”Ultimately, financial decisions—including giving—should be made together, with mutual understanding and agreement. Ron’s Personal Story: When His Wife Wanted to Tithe Ron has firsthand experience with this issue. When his wife, Judy, became a Christian, she wanted to tithe. But at the time, Ron was not a believer and giving was the last thing on his mind. Instead of forcing the issue, Judy decided to remain silent about it for two years. However, she lived a transformed life, which was compelling to Ron. Her quiet witness ultimately softened his heart and led him to faith in Christ. This aligns with the biblical wisdom of 1 Peter 3:1-2, which encourages wives to live in such a way that they may win their husbands to Christ “without a word, by the conduct of their wives, when they see your respectful and pure conduct.” Judy’s patient, godly approach allowed Ron to come to faith in his own time, and ultimately, they found joy in giving together. Building Unity in Giving as a Couple Once Ron became a Christian, he and Judy intentionally set aside time to align their financial goals—including giving. Twice a year, they would take a weekend away to pray, discuss their finances, and determine their giving goals. Ron’s perspective on giving is clear: The tithe is a starting point. Giving should be joyful and unified.As Ron says, “The only way you can break the power of money is to give.” Practical Steps for Couples Navigating Giving Disagreements If you and your spouse are struggling to agree on giving, consider these steps: Prioritize your marriage. Listen openly. Share why giving is important to you. Find a giving framework you both can support.At the end of the day, God doesn’t need our money—He wants our hearts. And He wants our marriages to reflect His love and unity. If you and your spouse are wrestling with this issue, focus first on fostering understanding and alignment. When you give together with a joyful heart, the blessing is even greater. If you’d like to read more on this topic, Ron Blue’s full article on this subject is featured in our new quarterly publication, Faithful Steward. To receive it in your mailbox every quarter, become a FaithFi Partner at $35 a month or $400 annually at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly PublicationBankrateNerdWalletAnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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