Christian Financial Perspectives

What does the Bible really say about retirement? Retirement is actually mentioned only once in the Bible, where it refers to the Levites retiring from their regular service at the age of 50. However, the Bible emphasizes the importance of work around 500 times, with work being part of God's original design for humans. Retirement, as we understand it today, is a cultural concept rather than a Biblical one. In this episode, Bob and Shawn explore how to align your retirement plans with a Biblical perspective, focusing on service, purpose, and finishing life. Retirement should not be solely focused on personal interests and agendas but should be about glorifying God and serving Him.

Are you making financial mistakes that could jeopardize your future? In this episode, Bob and Shawn uncover common pitfalls like overspending, relying on debt, and ignoring the importance of a solid financial plan. Some of these common financial mistakes can happen without a second thought, while others require more planning but can still catch the best of us off guard. Being aware of these common financial mistakes is the first step in allowing you to better avoid and plan for the future. Join us as we explore how to align your finances with Biblical wisdom and secure your financial wellbeing.

Are you curious about the real story behind those free steak dinner invitations for annuity seminars? In this episode, Bob and Shawn uncover the benefits and risk of annuities and why you should be cautious when attending those enticing events. After comparing both sides - the risks and benefits of annuities - listeners will be better prepared to make an informed decision concerning annuities as an investment option. As always, it is important that listeners do their own research, while also being cautious of deceptive annuities' sales practices.

Have you ever wondered if investing in gold is truly a safe bet for your financial future? Is gold really the ultimate hedge against inflation and economic instability or are there hidden risks and downsides that you need to know about? In this episode all about gold, Bob and Shawn uncover the historical significance of gold, delve into the real risk and returns, and explore the Biblical perspective on gold as an investment. Overall, it's important to work with a fiduciary financial advisor to tailor one's investments to their goals and risk tolerance.

Are you constantly chasing the next big investment opportunity? Do you never feel content with your current financial situation? Financial FOMO, or the fear of missing out, can trap us in a cycle of dissatisfaction, envy, and greed. In this episode, Bob and Shawn expose the dangers of the “Financial FOMO” mindset. Unfortunately, companies and media use financial FOMO to manipulate consumers into overspending and taking on debt. The antidote we recommend? Finding contentment in Christ, practicing gratitude, and focusing on reasonable returns rather than chasing the latest trends to help try and live a more fulfilling and financially stable life.

Feeling overwhelmed by the constant need to track every penny? Does the thought of budgeting and counting numbers fill you with dread? Bob and Shawn reveal a simple approach to managing your finances without the hassle of traditional budgeting. You'll learn how to gain control, reduce overspending, and aim to achieve your financial goals all without the burden of counting.

Are you tired of feeling lost in the world of investing? Unsure of how to navigate the ups and downs of the market? In this episode, Bob and Shawn explore 10 powerful Biblical principles that will guide you towards wise, faith-based investing decisions and help you stay focused on your long-term goals. Some of these areas include making investment decisions based on facts and math, rather than emotions or hearsay. Investing is a marathon, not a sprint, and should be viewed through a long term lens in order to create a well thought out financial plan.

Tired of your precious metals and valuables just sitting around collecting dust? Want to make a difference while also lowering your taxes? In this episode, Bob and Shawn explore 10 creative non-cash giving ideas that can help you bless others, leave a legacy, and reap the rewards of generosity. They cover ideas such as giving precious metals, real estate, stocks and bonds, as well as miscellaneous valuables and collectibles. If none of these non-cash giving ideas work for you, then you can always volunteer your time to bless others. Giving your time is something beyond donating cash or resources in order to help nonprofit organizations succeed.

Are you feeling trapped by the chains of materialism? Always longing for more, but never finding true contentment? In this episode, we'll explore how to break free from the grip of greed and discover the joy of a Christ-centered life filled with purpose and generosity. Bob and Shawn provide Biblical perspectives on materialism and its negative effects on relationships, physical health, and overall well-being. We encourage listeners to seek God's help, find contentment in what you have, and prioritize meaningful relationships over material possessions.

Do you know the difference between popular financial advice and essential Bible-based financial wisdom? On this 200th episode celebration, Bob and Shawn reveal the top seven most crucial financial topics from our first 199 episodes. Christian Financial Perspectives began with the goal of providing timeless Biblical wisdom and education to our audience. Over the years, some of our most educational topics have included sudden wealth syndrome and investing in gold. We hope to continue providing financial advice from a Christian perspective for many more episodes to come!

Are you ready to dive deeper into God's design for generosity, giving, and leaving a lasting legacy? In this final part of our series, Bob and Shawn explore Biblical perspectives on using wealth to bless others and how to properly pass on an inheritance that impacts generations to come. “Biblical Viewpoints of Money and Wealth” emphasizes the importance of stewardship and giving from a Biblical worldview. In this episode, weeks 6 and 7 are summarized, which includes the ripple effect of giving and the proper way to leave an inheritance and legacy for future generations.

Do you struggle with aligning your view of money and wealth with the Bible or are you looking for a deeper Biblical perspective? For several episodes, Bob and Shawn are diving into a study examining God's design for wealth and work. In part 2 of 3, they delve into the differences between secular and Biblical counsel, and the Biblical perspective on money and wealth. We recommend you to go back and listen to part 1 before digging deeper into this episode of “Biblical Viewpoints of Money and Wealth”. The book can be found on Amazon, and we encourage listeners to engage in the study and to share the episode with others who may find it beneficial.

Do you struggle with aligning your view of money and wealth with the Bible or are you looking for a deeper biblical perspective? Over the next few weeks, we'll dive into a study examining God's design for wealth and work called "Biblical Viewpoints of Money and Wealth". The study is a seven-week deep dive into what the Bible says about money and how it applies to real life. It covers topics such as the difference between a Biblical and secular worldview and the responsibilities of an owner versus a manager. The study is available for purchase on Amazon, but please don't hesitate to reach out if you are interested in teaching or promoting the study in their churches or small groups.

Want to avoid money regrets and costly financial errors? Eager to learn common pitfalls that trip up even seasoned investors? Well, in this episode of our 2 part series on “Foolish Financial Mistakes”, Bob and Shawn cover 10 more financial mistakes to steer clear of that can cost you dearly. Instead of blaming others for financial mistakes, they emphasize using wisdom and taking responsibility for one's financial decisions. It's important to seek out professional financial advice from a fiduciary based advisor who has your best interests in mind. As always, please share this content with anyone who you think may benefit from it!

Want to avoid money regrets and costly financial errors? Eager to learn common pitfalls that trip up even seasoned investors? In this part 1 of 2, Bob and Shawn discuss and provide perspective on foolish financial mistakes to steer clear of that can cost you dearly. They emphasize the importance of wisdom and provide Biblical scriptures to support their points. Just a few of the financial mistakes discussed include taking stock tips without doing proper research and buying large items on impulse without considering long-term financial plans. So, tune in to learn how to better avoid these top financial mistakes!

Are you searching for a financial advisor who exemplifies Christian character and integrity? Do you want their guidance grounded in Biblical truth versus worldly thinking? Bob and Shawn share the qualities to look for in a financial advisor based on scripture, specifically 1 Timothy chapter 3. 1 Timothy 3 outlines the qualities of an elder or deacon in the church, and we believe that these qualities are also important in a financial advisor. The qualities include being temperate and a good teacher, i.e. someone can explain financial concepts in a way that is understandable. Listen in to find out what other traits we believe a Christian financial advisor should possess!

Considering becoming a landlord through rental property? Do the returns justify the hassles involved? After insurance, mortgage payments, repairs, and/or marketing costs, a rental home isn't the cash cow you might think it is. Bob and Shawn discuss the pros and cons of rentals while providing some alternative options to consider. Instead, Real Estate Investment Trusts (REITs) may be a better option for the average investor. They explain that REITs allow investors to access a diversified portfolio of properties across various sectors, such as industrial, retail, lodging, healthcare, and more.

Tired of "woke" companies that don't align with your values? Eager to invest in a diversified stock portfolio that targets growth while honoring Biblical principles? You're in the right place! In this can't-miss episode, Bob and Shawn pull back the curtain on our innovative Biblically responsible, non-woke, deep value stock portfolio. Get ready for an in-depth look at our rigorous stock selection process, which carefully evaluates both financial fundamentals and spiritual alignment. Click here to learn more about our Biblical Responsible Stock Portfolio

Are you overwhelmed by companies capitalizing on fear to sell overpriced solutions? Don't fall for it. Bob and Shawn highlight the various means through which companies use fear-based tactics, such as social media platforms, email, television, and text messages. It is important to not fall for these fear tactics. Instead, unplug from social media, study history to gain perspective, take breaks from screens, engage in constructive and kind activities, and seek God through scripture, prayer, and living by faith. Prioritize your mental and emotional well-being by avoiding this fear-based content and focusing on positive and uplifting activities.

Are you among the 92% who don't achieve New Year's resolutions? Make 2024 different! Bob and Shawn will show you how to use the SMAC Method - Specific, Measurable, Achievable, and Compatible - to make meaningful and achievable goals. As Christians, we believe goals should align with God's plan and also be compatible with one's values and beliefs. Only a small percentage of people actually achieve their New Year's resolutions, but that number rises with written goals that are visually placed around the house, car, and even work. This year, it's time to be intentional and proactive in setting and pursuing goals!

What financial topics first come to mind when recalling 2023? Is it the emotional rollercoaster of 2023's stock market or the endless printing of money? Bob and Shawn want to provide perspective on key events that impacted many financial portfolios. Before looking ahead, they are recapping the past year's twists and turns. This includes the markets' obsession with interest rates, as well as the volatility caused by concerns about the Federal Reserve's actions. Looking ahead to 2024, it is important to remember the ups and downs of 2023 in order to make more informed financial decisions for the future.

This inspiring Christmas episode is all about reminding listeners of the joy of the season! Bob and Shawn share the original Christmas story of the birth of Jesus as told by Luke, as well as telling an inspiring story about a family who anonymously blessed another family in need. This Christmas season, we encourage listeners to find ways to help those in need during the Christmas season, whether through financial donations or volunteering time. Use your time and resources to help bless others and in return, you'll receive immeasurable joy!

Are you thinking about buying a car? Bob and Shawn discuss 7 smart steps to take before you make your decision. This episode is here to help you learn how to make the right vehicle choice with confidence. It's crucial to approach the car purchase with the right mindset, not emotions. A vehicle's price is more than the minimum monthly payment, and it is important to be cautious of all of the add ons and price points that many salespeople will use to manipulate you into a premature purchase. These tips, along with several others, may just help you save thousands on your next car purchase!

Are sky high fees making cash value life insurance a poor investment for you? Should you just buy term life insurance and invest the difference yourself? Bob and Shawn discuss the true cost of cash value life insurance, such as whole life and universal life. Life insurance is almost always a must to protect your family and immediate loved ones in the case of your death, especially from your 20's to 60's. This episode highlights the various fees and charges associated with these policies, including upfront premium loads and surrender charges. No matter what you decide after listening to this episode, it is highly recommended to seek advice from a fee-based advisor or CPA.

Want to give beyond just cash this year? Donate stocks, real estate required IRA distributions, and more by December 31st. Bob and Shawn the importance of alternative non-cash giving, as the majority of charitable giving is done through cash, despite cash being a small portion of people's assets. Various options for non-cash giving are discussed in depth, including opening a donor-advised fund, contributing to a charitable gift annuity, donating appreciated stocks, and donating other valuable assets. Tune in now to learn about the many ways to give to your favorite charities in unique ways that continue to offer support for many years down the road.

Want to avoid debt this Christmas? Make a budget, limit gifts, and remember the reason for the season - Jesus. Bob and Shawn discuss seven takeaways for Christmas spending. Some takeaways suggest using cash or a debit card instead of a credit card to prevent overspending. Thoughtful and meaningful gifts that will be remembered are usually better than expensive gifts. This Christmas, don't forget to focus on the true meaning of Christmas and to have fun giving gifts!

It's time to discuss strategies for 2023 year-end tax planning! Want to lower your 2023 taxes with strategies like charitable giving, retirement plan contributions, and medical expenses? Small moves now could save you thousands in the future. It's important to pay our fair share of taxes, but also equally important to not pay more taxes than necessary. By taking advantage of strategies like sales tax deductions, you may be able to lower your tax bracket. As always, it's important to consult with a CPA or tax professional for personalized advice.

Massive inflation is eating budgets alive, but with some wise choices like shopping thrift stores, fixing items ourselves and avoiding impulse buys, there are ways to overcome it. Bob and Shawn emphasize the importance of making wise choices, such as shopping at thrift stores, fixing items yourself, and avoiding impulse buys. Both hosts provide personal anecdotes and examples to support their points. Overall, this episode is highly aimed to help listeners save money and assist in navigating the challenges of inflation.

Ever wondered how financial advisors really get paid? Join Christian Financial Advisors as Bob and Shawn discuss the six types of payment and the potential conflicts of each. They emphasize the importance of transparency and encourage clients to ask their advisors about their payment structure. Just a couple of the ways financial advisors get paid include hourly fees and salaried advisors. They also highlight the potential conflicts of interest that can arise when advisors are motivated by large upfront commissions.

Ready to clear up a big misconception in the financial world - are traders and investors the same thing? Spoiler alert, they're not. From Warren Buffett's long-term growth strategies to the quick buck culture of trading, Bob and Shawn demystify these often confused terms. Traders focus on short-term profits and are often compared to professional gamblers, while investors have a long-term perspective and aim to build wealth over time. The misuse of these terms by financial websites can lead to confusion and misconceptions about investment strategies. The need to differentiate between traders and investors in financial writing is extremely important in order to receive more accurate advice.

Bob and Shawn finish the second half of their series on “What God's Word Says About Money”. They discuss the importance of saving and investing, inheritance, seeking wise counsel, and faithfulness according to Biblical teachings. Listeners are highly encouraged to seek wisdom from trusted advisors and to be faithful stewards of their resources, emphasizing the order and responsibility that comes with building wealth. As always, several scriptures are highlighted that emphasize the significance of these topics and provide real-life applications.