Faith and Finances

Tim: They say that all good things must come to an end. We hope and pray that the Faith and Finances Podcast has been “good” to you, that the Christ-focused financial teaching has blessed and encouraged you.   Troy: In 1965, The Byrd's (can't these guys spell?) popularized the message of Ecclesiastes 3:1-8 in their hyper-creatively titled song, "Turn! Turn! Turn!". The message is one of seasons—beginnings and endings. For every beginning, the Bible teaches us that there must also be an ending. That truth brings us to the final episode of the Faith and Finances Podcast.   Our Farewells: Tim: We are so thankful that you have chosen to listen to this Podcast. We have endeavored to bring valuable content and honor the Lord in every episode. I will be focusing my time and energy on my writing and live teaching endeavors. You can stay in touch, and receive my devotional writings on the subject of biblical finances by visiting www.TimRosen.org and providing your e-mail address. You can also learn where I am teaching the Faith and Finances sessions by visiting the ministry Facebook or Instagram (see links below).   Troy: Tim and I have enjoyed our time with you during these few years of podcasting. Both of us are now entering seasons of life that demand a bit more of our time than in the past. I'm blessed with 2 godly teenagers, but they are teenagers nonetheless and require more of my time than ever before. Katrina and I have gone back to serving as Care Group Leaders after a 1-2 year break and that also requires time. On the work front, I'm currently building an online training system for our new hires and helping with the NeuroStar international expansion efforts. I suspect that Tim and I will share a microphone or video camera at some point in the future. We both enjoy each other and those mediums. But until then, dear listener… God bless.   Resources and Links: Faith and Finances - Book Multiply, What the Bible Teaches About Saving, Investing, and Planning for Your Future - Book   Improve Your Faith and Finances: Learn and trust God’s ways, for His ways are so much higher (better) than our ways.   Reach Us: Podcast on Facebook Tim Website or Twitter, or Instagram Troy Twitter and Facebook Matt Website or Twitter

How often are the words of the Apostle Paul, "Owe no man anything" applied to literally every form of loan, mortgage, and debt?   In This Episode, We Look At: Romans 13:8 in its proper context Types of debt to avoid Manageable, acceptable debt   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

I talk with my family frequently about the quality of food (or junk) that we put in our bodies. Yet there are times when I would see an amazing-looking dessert (just Google "Monster shakes") and all of a sudden I'm now telling my family how awesome this thing looks and that we ought to try it! That is not integrity! The healthy talk is somewhat recent in my life, but the junk food temptations stem from decades of bad habits.   In This Episode, We Look At: Deep seeded bad habits and bad behavior do not suddenly disappear overnight. This applies to financial habits and behaviors as well. You cannot dig yourself out of a 20, 30, or 40-year hole in just weeks or months. Financial integrity means handling money in a manner consistent with your beliefs—and words. Listen as we provide an Integrity self-test for Christians.   Improve Your Faith and Finances: Saturate yourself in God's Word, seeking to learn what is acceptable, and then practice awareness of your own thoughts, words, and deeds.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Most of us are repelled by rules thrown at us. There’s a bit of a maverick in all of us, preferring “our way.” Just as there are laws of nature, there are laws in personal finance. They really do sound simple, yet simple is often enough. We are going to list the Simple Rules/Laws and teach you how to implement them.   Save Be aware of cash flow Avoid consumer debt

As Christ-followers, we are commanded to love others (see Matthew 22:37-40). That's a tall order. How much do we love ourselves?   In This Episode, We Look At: Love in action: With neighbors- demonstrate Christ-likeness. With our enemies. With family and the body of Christ.   Improve Your Faith and Finances: As Christ loved us unconditionally so are we to love others-unconditionally. Demonstrate that love, and also give, as giving is an act of love   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

We all see the ads and the Hallmark movies this time of year. We see happy, joyful people shopping for their loved ones and enjoying bountiful Christmas dinners. In reality, do we display such joy and happiness in the marketplace while shopping for our loved ones? Why not?   In This Episode, We Look At: Three keys to a joyful Christmas shopping season. First: Determine to keep your family's focus on the meaning of Christmas. If the primary focus is the buying and giving of gifts, you're doing it wrong. Second: Determine a budget for Christmas related spending (including food). We cover some tips here in the episode. Third: Be intentional to spread joy and the love of Christ to others. Consider how other people feel as they work long hours at the stores this season, trying to tolerate impatient, rude, and belligerent customers. What difference can you make by offering a genuine smile and a "Thank you for working."   Resources and Links: Christmas Shoes - you're welcome!  :-)   Improve Your Faith and Finances: Schedule time to read the true Christmas story from Scripture this season. Luke 2, Matthew 2, and Isaiah 9 are wonderful places to start.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

We would like you to meet Scott and Bethany Palmer, also known as The Money Couple. Scott and Bethany focus their decades of financial planning experience on helping couples strengthen their marriages and stop fights about money.   In This Episode, We Look At: Both spouses have their own unique money language and personality. You've heard of 5 Love Languages, but it’s the money language that causes most arguments and contention in a marriage. In this interview, Scott and Bethany help us to not only identify our own money personalities, but also how to understand our spouse's money personality. With this knowledge and understanding, couples can work together, knowing they are on the same team, and build their future together, instead of against each other.   Resources and Links: The Money Couple - website The Money Couple - Facebook The 5 Money Personalities - book   Improve Your Faith and Finances: Visit the Money Couple website and look around. Consider taking their Assessment. When you learn about your own money beliefs and personality and your spouse's, you can begin working together toward God-honoring goals instead of against each other.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

Today, your Smartphone probably knows you better than you know yourself. Simply let the device look into your eyes and in seconds, you have access to all of your financial accounts, e-mail, and everything personal you could imagine. But, how well does it know your spouse? Specifically, if you were taken out of this world, would your spouse know how to access crucial financial accounts, insurance policies, and other vital information? I'm not simply talking about what is on your phone. Would your surviving spouse know who to call, how to access money, what to pay off, and where vital documents are kept?   In This Episode, We Look At: Preparing a "What to do" list for your loved one, in the event of your passing. The time to plan is now, while you are healthy and thriving, not once you are ill, old, or injured. Do you have life insurance? If not, why not? How will your loved ones pay for burial and funeral expenses? What will be the source of your surviving spouse's income? We also review the differences between having a Will and a Living Trust   Improve Your Faith and Finances: It is our responsibility to plan for the "what if's" in order to take care of our family. But if any provide not for his own, and especially for those of his own house, he hath denied the faith, and is worse than an infidel. 1 Timothy 5:8   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances  Website or Twitter Troy Twitter Matt Website or Twitter

"It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God." Mark 10:25 Why did Jesus say that? Are riches bad? Are rich people condemned?   In This Episode, We Look At: Because the Bible gives so many warnings against the dangers of riches, some other misunderstandings have been perpetuated in the Christian community. One is that being wealthy is inherently sinful, or that only sinful people become wealthy. (R.C. Sproul) The rich who are lost. They trust their wealth and see no need for a savior. The rich who are saved may see that their needs are met, which leads them to trust their wealth also, and not consciously depending on God (which is His design).   Improve Your Faith and Finances: If God entrusts you with riches, purpose to continue your dependence on God, the Giver of all things, and not on "uncertain riches" (1 Timothy 6:17). "If riches increase, set not your heart on them." Psalm 62:10   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

"I am come that they might have life, and that they might have it more abundantly." John 10:10 We've heard many opinions and interpretations of this verse. If we think that this verse means that Jesus wants us to have an abundance of money to spend on ourselves, and live large with an abundance of possessions, we are heading toward misery.   In This Episode, We Look At: What an abundant life is not. It cannot be the accumulation of money and things, as Jesus warned, "Take heed, and beware of covetousness: for a man's life consisteth not in the abundance of the things which he possesseth." Luke 12:15 True abundance, against the wisdom of man, is found in giving. Jesus declared, "It is more blessed to give than to receive." Acts 20:35 This is counterintuitive because we want to believe that the opposite is true, that receiving and obtaining more is better.   Resources and Links: Giving is The Good Life - Randy Alcorn   Improve Your Faith and Finances: "God takes our stinginess or generosity personally. To give lavishly is to be rich toward him; to hoard or spend on ourselves without regard for others is to be impoverished toward God." - Randy Alcorn   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

Jesus said, "For ye have the poor always with you." Matthew 26:11a There are amazing promises to those who consider the poor. "Blessed is he that considereth the poor: the Lord will deliver him in time of trouble. The Lord will preserve him, and keep him alive; and he shall be blessed upon the earth: and thou wilt not deliver him unto the will of his enemies. The Lord will strengthen him upon the bed of languishing" Psalm 41:1-3   In This Episode, We Look At: Here we see three consecutive verses, in the Psalms, with specific and wonderful promises for those who will consider the poor.   In this age, who are the poor which the Scriptures are referring to? Are they the individuals who hold up signs on the street corner? Maybe not.   The Bible speaks of four distinct groups of the poor and specifies which groups we are to help, and which not to help. The First Group: Those who are poor due to tragedy. These are commonly widows, those who have become disabled, or diseased. We are to help this group. The Second Group: Those who are oppressed or exploited. In Biblical times we see this in the children of Israel. Today we see this in human trafficking as well as citizens of countries whose dictators oppress and kill their people. We are to help this group. The Third Group: Those who are poor because they are lazy (slothful). We are not asked to give money to this group, they are instructed to work so they can eat. The Fourth Group: Those who are poor because they choose to forgo material acquisitions for the sake of the kingdom of God and to serve others. We do not see this as often as was seen in history, though there are  some missionary situations where they are content to live sparsely, though we are called to financially support missionaries.   Improve Your Faith and Finances: Prayerfully ask the Lord who He would have you to help. This could be in the form of a meal, even a financial gift (assistance with paying a utility bill, or groceries) and count on God's provision and blessings to you, as you honor Him in your giving.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

Many are familiar with the tax-saving benefits of owning and contributing to an HSA. Today we will look at a feature that allows it to work as an additional source for future income.   In This Episode, We Look At: Contributions are tax-deductible. Funds in the account have the opportunity for growth through choosing mutual funds. Potential tax-free income. Under current laws, you can submit a receipt and invoice for a medical expense that you paid in the past, and be reimbursed from HAS funds tax-free. This means you can save up your receipts and bills for many years, then submit them, progressively during your retirement years (or earlier) to supplement your retirement income with these tax-free reimbursements! Qualifications: You must have a high deductible health insurance plan and not be covered by a second health plan. Contribution limits are: $3,500 for individuals, and $7,000 for families (2019 limits).   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

We hear a lot of talk about a coming recession. The 24/7 news cycle would have you to worry and panic (I think that's one of their goals). There is no need. So, what's a Christian to do, to prepare for a recession?   In This Episode, We Look At: First. What is a recession? It is a natural part of the business cycle. Economies expand and they also contract. When an economy contracts the GDP (Gross Domestic Product) decreases. When this occurs for two consecutive quarters (six months) an expert government committee officially declares a recession. The good news is, recessions are temporary. Steps to consider taking, in preparing for a recession: Always trust God above circumstances, people, and employment. Increase your value as an employee (now would be a great time to start). Do extra work. Do more than is asked of you. Make yourself available for extra work, or other areas of responsibility. Increase your knowledge of your industry (read books, take online classes). Reduce unnecessary expenses. Increase savings now, building a bridge for a potential income gap. Freshen up that resume.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

Christians can go to prison-because of financial matters (theft). They can divorce over financial matters, and can even keep themselves out of the will of God, due to their heart and actions in financial matters. The wealthiest twenty-five pastors in America are prosperity preachers.   In This Episode, We Look At: We memorize Scripture to help keep us from sinning (Psalm 119:11) and we use Scripture in spiritual battle (Ephesians 6). Jesus quoted Scripture in response to Satan's temptations. Our enemy uses money issues in the arsenal of attacks toward us, and we need the Truth to guide us (he cannot stand against the Truth). This week we are providing a list (abbreviated) of scriptures you can work on memorizing, to help in varying areas of money.   Resources and Links: Understanding True Ownership The earth is the Lord's, and the fulness thereof; the world, and they that dwell therein. Psalm 24:1 Guarding our hearts regarding money "…if riches increase, set not your heart upon them." Psalm 62:10 "A man's heart deviseth his way: but the Lord directeth his steps." Proverbs 16:9 Earning money "In the sweat of thy face shalt thou eat bread, till thou return unto the ground." Genesis 3:19 "The soul of the sluggard desireth, and hath nothing: but the soul of the diligent shall be made fat." Proverbs 13:4 "For thou shalt eat the labour of thine hands: happy thou shalt be, and it shall be well with thee." Psalm 128:2 "For even when we were with you, this we commanded you, that if any work not, neither should he eat." 2 Thessalonians 3:10 Tithing "Honour the Lord with thy substance, and with the firstfruits of all thine increase: so shall thy barns be filled with plenty, and thy presses shall burst out with new wine." Proverbs 3:9-10 "And thou shalt eat before the Lord thy God, in the place where he shall choose to place his name there, the tithe of the corn, of the wine, and of thine oil, and the firstlings of thy herds and of thy flocks, that thou mayest learn to fear the Lord thy God always." Deuteronomy 14:23 Saving "There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up." Proverbs 21:20 "Go to the ant, thou sluggard; consider her ways and be wise: which having no guide, overseer, or ruler, provideth her meat in the summer, and gathereth her food in the harvest." Proverbs 6:6-8 Being wise with money "Be thou diligent to know the state of thy flocks, and look well to thy herds." Proverbs 27:23 "Moreover it is required in stewards, that a man be found faithful." 1 Corinthians 4:2 Sharing "Withhold not good from them to whom it is due, when it is in the power of thine hand to do it. Say not unto thy neighbour, Go, and come again, and tomorrow I will give; when thou hast it by thee." Proverbs 3:27 God's truths are greater than riches "I have rejoiced in the way of thy testimonies, as much as in all riches." Psalm 119:14   Improve Your Faith and Finances: Work on memorizing one passage at a time, "hiding" God's word in your heart. It helps to walk, or pace, while you say the verse(s) out loud; your brain more effectively stores that memory when your body is in action.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

We are distracted people. There is everything from minor distractions (the doorbell rings) to major distractions (insert favorite social media platform here.) In truth, the enemy, Satan, is expertly skilled at distracting us. You see, if we are distracted, mentally, emotionally, or physically, we will easily forget our true calling - reaching the Lost and impacting this world for eternity.   In This Episode, We Look At: When we live with a worldview of life, our affections are set here, on earth, and our efforts not only seem empty but bring emptiness. Try as we might, building a kingdom on earth is much like earning money and placing it in a bag with holes. Wait, that’s in Scripture! Everything we see, touch, and strive for "under the sun" will pass away, meaning (literally), that it will all burn. The solution is to seek those things that are above, where Christ sits at the right hand of God, and "set your affections on the things above not on things below." (Col. 3:1-2)   Resources and Links: The Treasure Principle - by Randy Alcorn   Improve Your Faith and Finances: 2 Corinthians 4:8 While we look not at the things which are seen, but at the things which are not seen: for the things which are seen are temporal; but the things which are not seen are eternal.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

We all have needs. God even designed our lives to bring us to dependence on Him. This dependence is voluntary, He does not force of to depend on Him. Do you desire to be closer to God? Did you know that in Scripture we are taught that we are to make the first move, draw near to God, then God moves, and He will draw near to you. (James 4:8)   In This Episode, We Look At: In money matters we have need for: Food, shelter, and clothing. Our first move is to seek first the kingdom of God, and his righteousness, then His move is…and all these things (food, clothing, shelter) shall be added unto you. (Matthew 6:33) We need money to run our household and other day-to-day expenses. Our move is to honor the Lord with our substance and with our tithe, then God's move is to fill our barns with plenty and our vats with new wine (in other words, more than enough resources to meet our needs.) We desire to have money to give to the Lord and kingdom purposes. Our move is to give by faith, and God's move is His promise to feed us as we give and provide more resources for our continued giving (see 2 Cor. 9:10) We have a couple more moves we discuss in this episode, so listen all the way through!   Improve Your Faith and Finances: God's promises and provisions in finances are actually conditioned on our move first, by faith. And, we know from Scripture that the just shall live by faith!   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

Today's twenty-somethings have many tools and technologies available to them that did not exist a generation ago. They also face different challenges than were faced twenty years ago.   In This Episode, We Look At: The importance of trusting and depending on God. Learning to honor the Lord in your finances. Developing the habit of paying yourself with each paycheck. Continue learning. Obtain low-cost life insurance to cover the risk of a lost income (if married.)   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

How much of our lives do we leave up to God? How much of life is our responsible. This is an intriguing question and we tackle this subject in today's episode.   In This Episode, We Look At: We know that we are to trust God and depend on Him, completely. We also know that it is not God's plan for His children to worry or fret. What then would be considered our part in planning and preparing for surprise events in life? We find in Scripture that we are to labor to earn income. We ought to save money for life expenses and future needs. We look at the role of appropriate types of insurance and Estate Planning: Disability, Life, Living Trusts   Improve Your Faith and Finances: Focus on preparing, within your means. We should all save a portion of our income on a regular basis. As Christians, we are called to do our best in the work place. If you are able, buy life insurance with no bells and whistles for the lowest price, from a reputable company.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim's Faith and Finances Website or Twitter Troy Twitter Matt Website or Twitter

401(k)s are not perfect, but they do provide a way for workers to begin their investing journey toward retirement. They can be complex and many books have been written about 401(k)s. In today's episode, we are going to simplify it for you.   In This Episode, We Look At: What, exactly, is a 401(k)? It is an employer-sponsored retirement plan and by "employer-sponsored" we do not mean that it is completely funded by the employer. This is a program through you can contribute a set portion of your earned income into investments, automatically, which means you do not have to rely on your memory to contribute. In traditional 401(k) plans, your financial contributions come out of your paycheck without being taxed, so every dollar contributed is credited to your investment account. These "pre-tax" contributions actual allow for more of your money to be invested without hurting your budget. For example, when you earn $100 you do not take home $100. Because of taxes, you take home something closer to $70 to $75. So if in your budget you can afford to part with $75 to invest for your future, you can have $100 going to work for you. From your paycheck, $100 is contributed, before taxes, which would have been $75 (take-home). Now, if the employer offers a matching contribution of 50%, you would have $150 invested for the "cost" of $75. (Your $100 plus their $50), that's a pretty good deal.   Resources and Links: Against The Grain -by Tim Rosen. Chapter Two provides additional wisdom and guidance in managing your 401(k).   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Bob Lotich started SeedTime (formerly ChristianPF) in 2007 with a passion to help fellow believers learn how to manage their money wisely. His personal mission (and the SeedTime mission) is to make, save, grow, and give money to benefit others.   In This Episode, We Look At: Bob's vision and success in paying off debt in order to fund God's kingdom. Bob has a "radical" plan to increase his giving to match his age, as a percentage. Not only has he done this (with God's help and, he's in his thirties) but he and his wife, Linda, have paid off their mortgage all while giving almost a third of their income to the Lord's work.   Resources and Links: SeedTime - Bob's Blog and website Bob's Facebook Bob's Twitter   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Great things can happen, with a plan. How often do we simply hope that our finances will improve, but lack a clear action plan?   In This Episode, We Look At: The fallout from not having a financial plan. The various levels of plans. Creating a plan at the income level: Career progression, furthering education. Creating a plan for today's cash flow: Do you have a savings goal? How will you reach that goal? Do you have debt to eliminate? Create and commit to a plan to eliminate that debt. Creating a plan to generate future income. How much income will you need in the future? We talk about how to plan and invest to achieve a future income goal. Seeking expert counsel is often recommended. Must-answer questions: How much do you need to invest now, in order to create the future income you will need? What is the proper way to invest for your personal situation?   Resources and Links: The Total Money Makeover - by Dave Ramsey Against the Grain: Avoiding the Financial Pitfalls of Conventional Wisdom - by Tim Rosen Multiply: What the Bible Teaches About Saving, Investing, and Planning for Your Future - by Tim Rosen   Improve Your Faith and Finances: Creating financial plans helps us to faithfully steward the money God has blessed and entrusted us with.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Kevin Folger was the second of only two pastors in Cleveland Baptist Church's 60+ year history. This year, rather than retiring (which many men in their sixties do), he is transitioning to another ministry. Pastor Folger also prepared for such a time by planning for and preparing the pastor who would succeed him at Cleveland Baptist.   In This Episode, We Look At: An uncommon but needed practice in ministry, succession planning. How God burdened Kevin's heart early on for people in Asia. What Kevin is now doing in the Lord's service through SLC-Asia.   Resources and Links: SL-ASIA.com @KevinFolger - Twitter     Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

When you were growing up, you may have been encouraged to "learn from your mistakes." There is certainly wisdom there, but when it comes to money, there are mistakes you do not want to learn from - you want to avoid them.   In This Episode, We Look At: Some money mistakes can be so devastating that there is no recovery, or they may require years to recover from. Today we review five money mistakes that others have made and that you can avoid. Using funds from your 401(k) for today's expenses or "emergencies." Waiting too long in life to begin paying yourself. Operating without a budget The new car habit. Allowing lifestyle creep.   Resources and Links: Tim's Blog has many helping posts on these issues.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Niranjan Sundararaj recently retired after working nearly 27 years for American Express International. He has an incredible story of God's grace, mercy and guidance in his life, that is sure to encourage you. From being severely injured in a terrorist's bomb blast in Sri Lanka to taking his family to live in Sydney, Australia, and now at a time when others would retire, Niranjan is just getting warmed up, spear-heading a massive effort to reach the Lost in the 10/40 window.   In This Episode, We Look At: God's hand on Niranjan's life during times when circumstances made no sense. How God used Niranjan's professional experience in traveling all over Asia to prepare him for greater things later in life. The vision for, and the need to reach the Lost in the 10/40 window, and you can be a part.   Resources and Links: Spiritual Leadership Conference - Asia Website Niranjan's Facebook Page   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

The culture we live in equates being rich with happiness and fulfillment. Michael Norton is a Harvard Business School professor who has studied the connections between happiness and wealth.   In This Episode, We Look At: Mr. Norton says the research regularly points to two central questions that people ask themselves when determining whether they are satisfied with something in their life: Am I doing better than I was before? and, Am I doing better than other people? If you and I, as Christians, look to money and wealth for fulfilment, we will never find it. Riches do not always equal blessings. Psalm 37:16 "A little that a righteousness man hath is better than the riches of many wicked." Some ungodly people are very rich; don't envy them. Psalm 49:16 "Be thou not afraid when one is made rich, when the glory of his house is increased; For when he dieth he shall carry nothing away: his glory shall not descend after him."   Resources and Links: Michael Norton's Study, in The Atlantic   Improve Your Faith and Finances: If the Lord provides wealth for you, determine to be rich toward God and not to yourself. Luke 12:20-21   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Dean Miller is a pastor, a sought after Youth preacher, and evangelist. Dean had pastored Central Baptist Church in Hattiesburg, MI, for thirteen years, then God brought change in Dean’s life and ministry. This type of change makes people nervous. It makes other pastors nervous.   In This Episode, We Look At: How Dean responded to a prompting from God on his heart. How would he know it was really God’s will to leave his current church and pastor a new church? How would his current congregation respond? I believe what you will learn from Dean Miller will encourage you and challenge your faith at the same time. You will learn how to respond when you feel God is bringing change in your life.   Resources and Links: Dean Miller’s Facebook Page Front Range Baptist     Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

The Holocaust Museum in Washington, D.C. has exhibit rooms that are built slightly off-center, the floors slope a tad, and the walls are not “plumb.” The intended effect is to make the visitor feel a little disoriented, to give just a hint as to how the Jews felt being taken from their homes and herded into a strange place.   Feeling off-balance isn’t pleasant, we crave balance in most areas of our life.   In This Episode, We Look At: We often find ourselves out of balance in our finances, and many remain in that state more than they care to. The needs and wants of today consume our time and resources, often leaving plans for our future in the dust. Yet we age, and there is no slowing down that process, and there will come a time when we will need income but cannot earn it any longer. There is a biblical process by which we can strive for financial balance and honor the Lord in the process.   Improve Your Faith and Finances: Perfect balance may be unattainable. Our lives will be a series of adjustments “back to center.” Don’t get frustrated, there will be seasons when you are thrown off balance. Remember the biblical principles to work back to center.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

We all experience struggles of some nature. Sometimes they are physical, sometimes, spiritual, and of course, financial.   In This Episode, We Look At: Struggles are part of life. Some struggles are self-inflicted. A struggle is not necessarily an indication of God's punishment for sin. Many struggles are Father-filtered with the purpose of strengthening our faith and dependence on God. Even children can learn and grow through struggles. Though it may be difficult, there are some struggles which we should allow our children to work through (age appropriate, of course)   Resources and Links: The fixed heart is the secret of courage. G. Campbell Morgan "…not be afraid of evil tidings: for his heart is fixed, trusting in the Lord." Psalm 112:7 Bible Steps: Receiving God's Financial Promises and Provisions - Free book download   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

In Jesus’ parable of the talents, one servant receives five talents, a second receives two talents, and the third servant receives one talent. Why did each receive a different amount of wealth?   In This Episode, We Look At: Today, we see that God has provided Christians with varying amounts of money for the purpose of occupying until he returns. The key wording in this passage is “…according to their several ability.” Everyone has their own level of faithfulness with God’s resources. We see in Scripture that this who are faithful “in that which is least shall be faithful with much: and that is unjust in the least is unjust also in much.” Luke 16:10 God knows our individual strengths and weaknesses. What does financial faithfulness look like? Honoring the Lord. Taking care of our families Saving a portion Setting aside for a future need (investing)   Resources and Links: Multiply: What the Bible Teaches About Saving, Investing, and Planning for Your Future- by Tim Rosen   Improve Your Faith and Finances: Commit your heart and actions to being faithful in the finances God has currently blessed you with, with gratitude. It may be that He provides more at some point, so that you can do more, to His glory!   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

A storyline from the parable of the talents (Matthew 25) guides the reader. Here you have two faithful servants who double their lord's wealth, and one who hides the money. What were these servants' views on ownership?   In This Episode, We Look At: Whose wealth did they manage and multiply? In verse 14 the Bible says "… and delivered unto them his goods." They knew that, while they were in physical possession of riches, the wealth actually belonged to their lord. The financial resources we have, in a practical sense, is ours. Yet in the spiritual sense it all comes from God, and He calls us to honor Him in our finances. How is your personal view of ownership? How wonderful is it, when we acknowledge that our resources are God's resources, that our burdens also are God's burdens?   Resources and Links: Multiply: What the Bible Teaches About Saving, Investing, and Planning for Your Future New book, by Tim Rosen   Improve Your Faith and Finances: Acknowledging God's ownership of all that we physically have, puts the burden on God, not us, because the Owner bears the burden. Cast your cares upon the Lord, for He cares for you.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Why write a book on the subject of investing, when there are already so many others? Christians still experience stress, fear, worry, and confusion over the matter of planning for their future, and yet the Bible has so much to teach. "Multiply" teaches those principles and guides you in today's applications.   In This Episode, We Look At: Most of us are not planning adequately for the future, for varying reasons. An estimated twenty-one million American workers say that they are counting on depending on social security for their retirement needs, and yet 56% say they do not understand how social security works. Many of our pastors have been advised by well-meaning mentors of the past, "just stay faithful and God will take care of you." While there is some truth to that statement it omits other important truths. The Bible teaches that there is wisdom in planning for a future need. Thus, trusting in the Lord, and planning, are not mutually exclusive. There are some that are doing well financially, and in their investing endeavors, who still need the valuable truths of God's Word, which warn and guide us from trusting in money more than God (Proverbs 30:7-9).   Resources and Links: Multiply: What the Bible Teaches About Saving, Investing, and Planning for Your Future   Improve Your Faith and Finances: Take a moment to consider your age, health, and probable remaining working years. Are you taking steps to prepare for the today when you will no longer work? We will always need income, and the Bible provides wisdom and guidance for us to follow.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Where does money come from and why do we value it so much?   In This Episode, We Look At: Money is one thing can so quickly turn the Christian’s heart away from the Lord and into idolatry. (I am not saying money is bad). Since antiquity there has always been some sort of money (something of value exchanged for something else of value). The more you have the more stuff you can obtain. How money is viewed. Our view of money can be very subjective and often progresses (or regresses) through varying seasons of our lives. Thankfully we have Scripture through which to view money. God provides money for the meeting of our needs, and some God-honoring pleasures (1 Timothy 6:17), equips is for a life of faith ( 2 Cor. 9:8), and we ought not worry, even about money (Phil. 4:6, Luke 12:22-32)   Resources and Links: Multiply: What the Bible Teaches About Saving, Investing, and Planning for Your Future   Improve Your Faith and Finances: God, who gives you the ability to earn money (Deut. 8:18) promises to meet your physical needs when you: seek Him first and, seek to live righteously (Matthew 6:33)   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

As Christians we need to remain diligent and guard our hearts against the constant push of how we ought to live and be entertained.   In This Episode, We Look At: Self-inflicted consumer debt. We take out a loan or use the credit card to get something now, that we cannot afford, and worry about paying for it later. Is the verse, “Owe no man anything” to be taken literally? We’ll tackle that on today’s episode. Resources and Links: Multiply: What the Bible Teaches About Saving, Investing, and Planning for Your Future                 Improve Your Faith and Finances: Resolve to keep yourself and your family out of debt. Patiently save and pay cash for wants in life (this gives you time to consider whether you really want it, or if it was just an impulse!)   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

If you are listening to this Podcast in a developed country, you likely own a Smart phone which costs somewhere between $300 and $900. Whether you paid for it in full, put it on a credit card, or had the cell company add the balance to your monthly bill, it was important to you and you may a way to obtain the phone. The same applies to our cars, computers, and other things that are a priority to us; we find a away to obtain.   In This Episode, We Look At: If we find ways to own Smart phones, cars, tablets and computers, why is it that the bulk of Americans are setting aside adequate dollars for their future? Isi it procrastination? Is it because we enjoy today's dollars and we don't want to part with that money? Are we in denial about aging and some day needing income? Do we believe what we can afford to invest is not significant, or would make little difference? We have more than we think. We will need more than we think. It takes effort today to have income tomorrow. You can do it, but you will have to get two things right: You will have to save appropriately and You will need to invest correctly.   Resources and Links: Multiply: What the Bible Teaches About Saving, investing, and Planning for Your Future - Tim Rosen's newest book.    Improve Your Faith and Finances: There are many things we give financial priority to in life. Have you reviewed your financial priorities lately? Are there any items on that list that may no longer be a priority today? What adjustments can you make to put investing for you future on that list?   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Time and time again in Scripture we see Jesus' disciples limiting the power of God in their lives through their doubt or disbelief. Peter cast one net instead of two, as Jesus instructed. And again, when told to come out and walk on the water. If his disciples, who were physically with Jesus for over three years, had times of doubt and uncertainty, we can be assured that we will also.   In This Episode, We Look At: We are a people in complete need of God. He is the One who provides for us and protects us. He is the only One who can save us and our loved ones. At times we limit God from doing wondrous things in our lives, sometimes , because we cannot imagine, or picture our lives being any different, or our finances improving. He is more than able to exceed all that we ask or think.   Improve Your Faith and Finances: God promises that when we ask, according to His will, believing, that He will answer prayer (unless we ask wrongly, James 4:3). How is your prayer life? Are you coming boldly (and humbly) before the throne and bringing your prayers, petitions and intercessions?   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Like the sights and sounds of a Vegas casino, the investing world is full of "sights and sounds", luring the investor to play.   In This Episode, We Look At: Some approaches to investing can be considered speculating, or gambling, with your money. Single stock picking. Attempting to time the market. Even choosing a mutual fund based on the reported past performance. In this episode we also look at the benefits and applications of diversification in your investing experience. Jack Bogle said, "Instead of trying to find a needle in a haystack, just buy the haystack." We talk about  striving to make earn market rates of return, rather than attempting to beat the market.   Resources and Links: "Cast thy bread upon the waters: for thou shalt find it after many days. Give a portion to seven, and also to eight: for thou knowest not what evil shall be upon the earth." Ecc. 11:1-2   Improve Your Faith and Finances: Investing should be viewed and approached as a long-term discipline. Taking short-cuts or being "hasty" in the process could be very damaging to your financial health.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

In your adult years have you ever resisted advice that was good for you? We could respond with “You can’t tell me what what to do!” Hearing that we ought to live within our means can generate that same resistance. If we are honest with ourselves, we lean toward living how we want to live.   In This Episode, We Look At: Most Americans live beyond their means, as measured by consumer debt held by the average household. There is not safety in these numbers. Debt means using someone else’s money to obtain what we want and an obligation is created. (Romans 13:8) It is both possible and rewarding to live within your means. Guard against: pride, coveting, mindless spending, fear, and comparisons.   Improve Your Faith and Finances: Take an honest look at where every dollar is going. What area(s) is causing you to come short of financial health. What changes do you need to make? Think about the rewards and benefits of making those changes.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

We work, often full-time, to earn money. We struggle sometimes to meet today’s financial demands, set some money aside in savings, while trying to squeeze in some dollars for the future.   In This Episode, We Look At: We are bombarded with materialism. We are prone to worry, stress, and hoard. The very kingdom we spend time, energy, and resources to build will ultimately and literally pass away. It will be burn and God will replace it with a new, perfect earth.   Resources and Links: Faith and Finances: Eternal Promises for Today's Resources Book, by Tim Rosen   Improve Your Faith and Finances: We cannot anticipate or desire what we cannot imagine. As long as the resurrected universe remains either undesirable or unimaginable, Satan succeeds in sabotaging our love for Heaven. Randy Alcorn   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

If we were to sit down and, as a Registered Investment Advisor Representative, I were to measure your financial success or shortcomings, I would compare your assets versus your liabilities. If your assets exceeded your liabilities, we may agree that you are doing well. If we are not careful our pursuits of financial success could easily turn our hearts inward—toward self, and away from God.   In This Episode, We Look At: There is a difference between being wise and honoring God. It may seem wise to put years of effort into getting out of debt and building up your savings but, if in the process you have neglected giving cheerfully, sacrificially, and regularly, as worship unto God, how can we say that that is God-honoring? God-honoring success does not look like the success the world recognizes. Was the Apostle Paul successful? Absolutely. Yet he wrote that he was instructed both to abound and to suffer need. The Christ-honoring life involves seasons of failures, times of suffering need, and experiencing setbacks. These do not make us failures. It is our response to the times which determine success or failure, in God's eyes.   Resources and Links: Faith and Finances—Link to book   Improve Your Faith and Finances: In your seeking to improve your finances, commit your ways unto the Lord, and do not wait until you have reached your own financial goals before giving to the Lord. We all have today to live for and honor the Lord.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

What is the most impactful element in your finances, whether negative or positive? We submit that it is your ability to earn money   In This Episode, We Look At: A wage-earner making $13 an hour is not destined to be imprisoned in that hourly rate forever. What are your aspirations? How do you view employment? Some of the largest companies that are household names started in a garage. Moving on up (the corporate ladder) Doug Mcmillon worked his way up from entry level employee to CEO of Wal-Mart Liz Murray lifted herself from homeless to Harvard graduate.   Resources and Links: Homeless to Harvard: The Liz Murray Story. Lifetime Breaking Night: A Memoir of Forgiveness, Survival, and My Journey from Homeless to Harvard —book   Improve Your Faith and Finances: Consider your strengths and abilities and ask yourself (and pray about) whether you are fulling applying yourself to maximize your earning potential—to the glory of God   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

There is an unsettling interest in socialism rising in our country, and at an alarming rate. Recent election results should serve as an eye-opener for sleepy voters.   In This Episode, We Look At: While Capitalism is not found in Scripture, most of its tenants are. Property rights. Rule of law. Just weights (fair business practice) Capitalism has built in checks-and-balances. Profit is not bad, profit is good. Job creation Resources and Links: Godonomics—Chad Hovind Money, Greed, and God—Jay Richards   Improve Your Faith and Finances: Be keenly aware of the platform and background of your state's elected officials and vote accordingly in the next election.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

The good news is, there is a ton of resources available to help us with our personal finances. The bad news is, there is a ton of resources available to help us with our personal finances! It is very easy to get overwhelmed in our financial pursuits. Some put undo pressure on themselves to be like others, or  to reach certain levels of financial success, and always finding themselves just short of those goals.   In This Episode, We Look At: The downside of expectations. When expectations are not met the result is frustration. We can easily lose of joy and peace. Constant comparisons Just as each marriage is unique, so also are our finances. God's principles are perfect In following God's financial principles, we will still be different from other families and individuals—financially speaking. But should be very similar in our godly attributes of being generous, gracious, patient, avoiding debt, and being kind to others.   Resources and Links: Free Download of Bible Steps: Receiving God's Financial Promises and Peace   Improve Your Faith and Finances: Determine to commit to memory one scripture related to finances, this week. Below are a few recommendations: Matthew 6:20 But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal: Psalm 84:11 For the Lord God is a sun and a shield: the Lord will give grace and glory: no good thing will he withhold from them that walk uprightly. Proverbs 3:9-10 Honour the Lord with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Continuing our series on Bible Steps: Receiving God's Financial Promises and Peace, we've look at Dependence on God alone, Faithfully laboring, Saving a portion, and today we discuss the next step; Giving.   In This Episode, We Look At: Giving is a vivid reminder that it is all about God, not about us. He does not exist for us, we exist for Him. The Purpose for Giving: It is to further the cause of Christ through; Worshipping in giving (Acts 10:1-4), Supporting Missionaries who bring the Gospel here and abroad (2 Cor. 8 and 9), helping other Christians (2 Cor. 8:13-15), to show the love of Christ to the world (Acts 17:24-25). One of the prominent obstacles to giving is sight: we see that if we give we will have less. That is not the way God works. God's Word still teaches that God will provide when we give (Proverbs 3:9-10, Luke 6:38).   Resources and Links: Bible Steps Book-Free Download   Improve Your Faith and Finances: Giving, and tithing requires faith, which is by design. God is the Rewarder of faith. Try Him, trust Him, hold Him to His Word.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Government shut-downs, layoffs, and market crash; oh my! Could you survive, financially, if you missed on paycheck? Two paychecks? Could you meet your required financial obligations for one month? Two months?   In This Episode, We Look At: Fewer than 60% of American households say they are putting away money for an emergency. It is estimated that 10% of households fell behind in their bills last year. Do a drill—a financial drill. Kids participate in fire and earthquake drills at school. Why not run through a money drill. Assume that you will not receive a Paycheck next week. Do you have the liquid assets to cover your most basic needs in life, keeping a roof over your head, buying groceries, keeping the lights on, and not letting your Health Insurance coverage lapse? Determine your "Minimum Survival" number. Be proactive rather reactive. Jump start your survival savings today. Sell some stuff. Take on a side job (Drive for Uber or Lyft, perhaps? Just an idea to get you thinking)   Resources and Links: 40% of Americans only one missed paycheck away from poverty   Improve Your Faith and Finances: Avoid assumptions (see James 4:13-15) and get serious about saving.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

We have no problem spending. Americans spend 90% of their income. We are not so great at savings, but it does not have to be so in your family finances.   In This Episode, We Look At: Why Save? The Bible teaches us that it is wise (Proverbs 21:20) and, practically speaking, expenses come up as well as God-appointed opportunities and when we are not saving we miss out on those opportunities, and are tempted to take on debt for expenses we cannot afford. When to save? With every paycheck, commission, sale, however you earn your living. How much? The earlier you can start saving, the more beneficial it is to your finances. We tend to limit ourselves within the conventional guidelines handed down from generation to the other, try to save 10%. Why not 15%, 20%, or more? There is a saying, If you think you can, you're right. If you think you can't, you're right. There is a trade off. There are countless pleasures that money could be spent on rather than saved. Obviously we each to make saving a priority in our financial picture if we expect to accumulate a reasonable sum.   Improve Your Faith and Finances: Save and trust. Pay yourself, preparing for the future and trust in the Lord as Provider and Protector.   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

There are many statistics measuring the savings and investing successes and short-comings of Americans. But you are not a statistic and you do not have to compare yourself with the Average American Joe.   In This Episode, We Look At: You should ask yourself a couple of questions regarding your finances: "Am I on pace to replace my income at retirement (or, such a time when I can no longer work?)" "What are the obstacles holding me back from preparing for my financial future?" In today's episode, we will tackle the most prominent obstacles families face in planning for their financial future, and discuss ways to overcome them so that you can press forward.   Improve Your Faith and Finances: Make a decision that planning for your financial future is important, and proactively look for money that you can set aside. Start with something and stick with it.   Resources: Social Security Teichert site     Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

People seek fulfillment. Those without Christ seek to find fulfillment in everyway imaginable, and even beyond our imagination.   In This Episode, We Look At: Christians are drawn (tempted) to seek fulfillment outside of Christ as well. On average, Christians retain the same amount of debt as non-followers of Christ. The divorce rate among Christians and non-Christians is about the same. What do these have in common? Money and the pursuit of happiness.   Resources and Links: Psalm 4:7 Thou hast out gladness in my heart, more than in the time that their corn and their wine increased.   Improve Your Faith and Finances: "Money has never made man happy, nor will it, there is nothing in its nature to produce happiness. The more of it one has the more one wants."— Benjamin Franklin   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

Health enthusiasts may say "You are what you eat." In the area of finances, are we "What we earn?" I someone who earns $200,000 somehow better than someone who earns less?   In This Episode, We Look At: Comparison and discontentment are the problem. Though the world may measure you by income, we are not what we earn. Net worth vs. true worth.   Resources and Links: 1 Timothy 6:6 But godliness with contentment is great gain   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter

God has designed us for work. Not good news for younger folks with zero motivation (hang in there parents, it should get better). Outside of the paycheck we may not view work as pleasant activity, but God sees it differently. This is Step Two in Bible Steps: Receiving God's Financial Promises and Peace.   In This Episode, We Look At: From the very beginning, we see God's directive that we are to work that we may eat (Genesis 1:28) When we work, we are doing our part and God is pleased (Psalm 128:2). Whatever work the Lord does provide, He wants us to do with excellency, unto Him, rather than unto man (Col. 3:23-24)     Resources and Links: Bible Steps: Receiving God's Financial Promises and Peace. — Free Digital Download   Improve Your Faith and Finances: "We must do worldly jobs but if we do them with sanctified minds they become offerings to God." —A.W. Tozer   Share Your Thoughts: If you have a question or comment about today's topic, we invite you to share your thoughts. Podcast on Facebook Tim Website or Twitter Troy Twitter Matt Website or Twitter