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“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5Mother's Day invites us to reflect on the deep, often quiet influence of a mother's faith. The Apostle Paul's words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy.A Mother's Work: Beyond MeasureWhen we think about the value of moms, it's usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can't be priced.But what if we did try to measure the economic value of a mother's daily work?According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor.Based on these duties, a mother's annual salary would exceed $185,000—and that's before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she's worth every penny.Still, even that figure falls short of her true worth. The value of a mother's love and faithfulness can't be calculated. It's personal. It's spiritual. It's eternal.How Scripture Calls Us to Honor MothersThe Bible doesn't just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman's reward:“Her children rise up and call her blessed; her husband also, and he praises her.”Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God's love in your life.But biblical honor doesn't end with gratitude. It matures into care, especially as our mothers age.Honoring Through Care: A Biblical MandateIn Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God.In today's terms, honoring your mother might look like:Making time for her amid your busy scheduleOffering financial assistance or managing her needsIncluding her in decisions that affect the familyListening with patience and respectPraying for and with her regularlyThese acts aren't just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life.Honoring a Legacy of FaithWhether it's your biological mom, your wife, a grandmother, or a spiritual mother who's poured into your life, this Sunday is your opportunity to show them they're not alone or forgotten.Let her know she's seen. Let her know she's loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn't wasted. It is, in fact, shaping generations and pointing hearts toward Jesus.Because when a mother models faith, she's not just building a home—she's shaping eternity.This Mother's Day, let's rise up and call her blessed, not just with words, but with actions that honor God and her.On Today's Program, Rob Answers Listener Questions:Is Bitcoin something that someone should have in their portfolio? I don't necessarily know much about it, so I don't invest in it, especially since I'll be going into retirement.My husband and I have an annuity, and I'd like to know how we can make charitable donations from it.My daughter has two student loans totaling approximately $15,000, with Mohela serving as the loan servicer. With the interest deferment ending in September, I'd like to know if we can negotiate to pay off the loans at a reduced amount, or should we pay them off if we have the funds available?I am the executor of my father's estate, and I'm 67 years old. Last December, the estate planner surprised me by saying we had to take a required minimum distribution (RMD). This year, I would like the RMD to be donated to a charitable organization. How do I set that up?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“The prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3That verse reminds us that wisdom means planning ahead, especially when it comes to life's most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Why Planning Ahead MattersLife is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care.Consider the questions every household should be able to answer:What happens if you or your spouse is hospitalized?Would someone know how to manage your bills and care for your children?If you were to pass away unexpectedly, would your family know where to find your vital documents?Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it's urgently needed.The Power of an Emergency BinderAn emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes:Financial accounts and passwordsMedical records and contactsInsurance informationBill due dates and utilitiesFuneral wishesChildcare instructionsAnd more.Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household's key information is a tangible expression of love, wisdom, and care. It's a simple act of stewardship that offers comfort, clarity, and care when it matters most.How to Get StartedCreating an emergency binder might sound overwhelming, but it doesn't have to be.Here's a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one.And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It's also wise to keep a digital backup, securely stored and shared with trusted family members.If you're thinking, “I wish someone would just do this for me,” you're in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently.You can find it at EssentialEmergencyBinder.com.On Today's Program, Rob Answers Listener Questions:I want to consolidate our investments. We have a pension, Social Security, Roth IRAs, a 401(k), and traditional IRAs at two different financial institutions. Is it better to have everything in one place?I'm concerned about how my church is spending its tithe money on items like a drum set and library donations, rather than traditional ministries. Is this the right way for a church to use funds?I've received a six-figure inheritance from my uncle in Florida, which includes checking, savings, a money market account, and a Lutheran annuity. I would like to confirm that there is no inheritance tax in Ohio. I'm considering investing the money in CDs through my bank's Certificate of Deposit (CD) program. Can you confirm the tax situation and advise me on this approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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 believe the highest goal of investing is simply to earn a high return, you may be overlooking a deeper purpose—how our money can be used for good.As investors, we've been given resources to manage, not just for profit, but in alignment with God's will and values. It's easy to see investing through a purely earthly lens, but God invites us into a much greater story. Today, Robin John joins us to explore that bigger vision.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the forthcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.A Vision for Redemptive InvestingEventide's tagline—“Investing that makes the world rejoice”—is more than marketing. It's a biblical conviction inspired by Proverbs:“When the righteous prosper, the city rejoices, but when the wicked perish, there are shouts of joy.” – Proverbs 11:10Righteousness, in this context, refers to those who seek the good of others. The righteous prosper by looking out for the people in the city. But the wicked prosper through exploitation, especially of the poor. That leads to groaning, not rejoicing.For Eventide, investing is about more than avoiding harm. It's about actively investing in companies whose products and practices bring tangible good into the world—serving real needs, not exploiting vulnerabilities.Can You Do Good and Do Well?A common concern among faith-based investors is whether aligning values with investments means sacrificing returns.Romans 12 tells us “not to conform to the patterns of this world but be transformed by the renewing of our minds.” That means we should be willing to make sacrifices if necessary. But that doesn't mean underperformance.Research from the Biblically Responsible Investing Institute, drawing on a 19-year study, compares values-based screening (which excludes companies involved in activities such as abortion, pornography, and tobacco) with the S&P 500 and yields equivalent long-term returns.It's a myth that you must compromise performance to honor your faith. At Eventide, they don't just avoid the bad—we seek out the good.The Ultimate Question, as posed by Bain consultant Fred Reichheld, also found that the most successful companies are those that best serve their customers and employees. Serving people well is good business, and it often leads to long-term outperformance.Why How You Make Money MattersJohn Wesley once said, ‘Make all you can, give all you can, but make all you can without hurting yourself or your neighbor.”Proverbs 1:19 also warns against partnering with those who gain through unjust means. It's not just what we give—it's how we earn that matters to God. Ill-gotten gain is not pleasing to Him.Generosity isn't limited to charitable giving. A teacher choosing to serve children instead of pursuing a higher-paying career is living generously, even without writing a check.The Good InvestorRobin's passion is to see everyday Christians empowered to invest in ways that reflect their values. His upcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, aims to help believers do just that.The Good Investor doesn't stop at money—it's also a book about purpose and calling. Don't assume your calling means you have to start something new. Many Christians are exactly where God needs them to be. The real challenge is to recognize your work as valuable to God and do it in a way that reflects His goodness.Psalm 1:3 emphasizes that the blessed life is rooted in delighting in God's Word and walking in His ways:“That person is like a tree planted by streams of water...whatever they do prospers.”Robin's new book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, will be released on July 22 and is available for pre-order now wherever books are sold.This is a must-read for any Christian who wants to rethink investing through the lens of God's Kingdom—and rediscover the purpose and power of their everyday financial decisions.On Today's Program, Rob Answers Listener Questions:I have a 401(k) from my old school district job with approximately $7,000-$8,000 in it. I'm 55 and want to know if I should roll it over into my new company's retirement plan and what I should do with my IRA.I remarried after my first wife passed away. If I die, can my late wife's kids force my new wife out of our house, and how can I protect her?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEventide Asset ManagementThe Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnThe Ultimate Question 2.0: How Net Promoter Companies Thrive in a Customer-Driven World by Fred Reichheld with Rob MarkeyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Are our efforts to help the poor always helpful, or could they sometimes do more harm than good?Today, we'll explore how short-term missions can genuinely reflect the heart of Christ and bring lasting change, without unintentionally hurting the very people we aim to serve. Dr. Brian Fikkert joins us for that conversation.Dr. Brian Fikkert is a Professor of Economics and Community Development and the Founder and President of the Chalmers Center for Economic Development at Covenant College in Lookout Mountain, Georgia. He is also the co-author of the book, Helping Without Hurting in Short-Term Missions.What Is Poverty—Really?Americans often define poverty materially—a lack of necessities, such as food, clean water, clothing, or shelter. As a result, short-term mission trips often center around distributing goods or completing construction projects. But when you ask materially poor individuals around the world what poverty means to them, they describe feelings of shame, helplessness, and a lack of dignity.This reveals a disconnect: while we view poverty as a lack of material possessions, those experiencing it often define it in relational, psychological, and spiritual terms. True poverty is brokenness in relationship—with God, self, others, and creation. That insight should transform how we approach short-term missions.Even the most well-intentioned trips can do harm. Why? Because those going on these trips may carry pride, believing they have the answers or that their culture holds superiority. In contrast, those in materially poor communities often struggle with inferiority. That combination can worsen the very sense of worthlessness we hope to alleviate.Rather than reinforcing this brokenness, we should pursue humility and listen more than we speak. The goal should not be to "fix" but to restore—to foster healthy relationships that reflect the image of God in all people.Presence Over ProjectsShort-term trips shouldn't be about what we accomplish but about who we become in relationship.If poverty is rooted in broken relationships, then the solution is to restore people to right relationships. And that doesn't come through handing out supplies or completing a checklist—it comes through deep, lasting community.That's why the local church is God's primary instrument of restoration. Mission teams should support these churches in a “backstage” role—serving quietly, praying faithfully, and encouraging leaders who are already embedded in the community. Sometimes the best thing you can do is babysit the pastor's children so he and his wife can enjoy a night out. That kind of support strengthens the long-term work far more than any single project ever could.The Sending Church's Role in Long-Term SuccessMany short-term trips blur the line between gospel and Western culture. But the gospel transcends culture—and so should we.Colossians 1 reminds us that Christ is the Creator and Sustainer of all things. That means He is already at work in every community, regardless of how impoverished it may seem. When mission teams enter a new culture, they should approach it reverently, as if stepping onto holy ground. There is beauty in every culture, and highlighting it can be healing. Simply asking, “What's good here?” affirms the image of God in others and begins the work of restoration.How can the sending church help ensure long-term success in missions?It's not about executing a flawless trip. It's about fostering enduring partnerships with local ministries. That includes showing up year after year, offering consistent prayer and support, and being safe spaces where local leaders can be authentic. Success is not measured by how much we build but by how deeply we walk with others through life.Fundraising as a Form of DiscipleshipShort-term mission fundraising can also be reframed. Young people often feel pressure to produce tangible results in exchange for financial support. But if the goal is to learn and grow, that's a worthy investment.Go as a learner and communicate that clearly to your supporters. When trips are part of a larger discipleship journey, they become valuable not only for those being served but also for the transformation of those who participate.Still, we must be wise stewards of God's resources. Many trips could be more effective if better embedded in a long-term process of learning and partnership.Short-term missions, when done right, can become powerful instruments of healing and restoration. But they must begin with a correct understanding of poverty and a humble willingness to be shaped by the journey.For churches preparing for trips this summer, Helping Without Hurting in Short-Term Missions is more than a resource—it's a reorientation of purpose.To explore Dr. Fikkert's work or find resources and group studies designed for churches, visit Chalmers.org.On Today's Program, Rob Answers Listener Questions:I just bought a new SUV and was offered bi-weekly payments. Would it be advantageous to opt for this option over monthly payments to minimize interest?My mother passed away in October of last year, and my sister and I are going to sell her house probably next month. My question is, in Texas, there's no inheritance tax. But is there an inheritance tax federally?We have some friends who asked us to give them a letter of giftedness to help them buy a home. They're asking for $17,000, for which they have $17,000 in cash that they will exchange for our check immediately. We don't understand why they can't just use their own cash, and we're not sure if helping them would cause difficulties for us or them.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineThe Chalmers CenterHelping Without Hurting in Short-Term Missions by Brian Fikkert and Steve Corbett with Katie CasselberryWhen Helping Hurts: How to Alleviate Poverty Without Hurting the Poor... and Yourself by Steve Corbett and Brian FikkertWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

"For my thoughts are not your thoughts, neither are your ways my ways, declares the Lord. For as the heavens are higher than the earth, so are my ways higher than your ways and my thoughts than your thoughts." - Isaiah 55:8-9You don't have to study Scripture long to realize that God's wisdom differs sharply from what the world considers wise. John Cortines joins us today to talk about the nature of wisdom, and spoiler alert— it's a Person, not a thing.John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as 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.The True Nature of WisdomIn our modern world, we often equate wisdom with knowledge, education, and the ability to make good decisions. While these aspects are certainly part of it, Ecclesiastes teaches us that wisdom is far more than intellectual mastery or a collection of best practices. In fact, wisdom is not just a set of principles—it is a person. That person is Jesus Christ.Throughout Ecclesiastes, the Preacher (likely King Solomon) wrestles with the big questions of life: What is our purpose? Where can we find joy? How should we handle money? The book explores the various paths people take—seeking pleasure, accumulation, and status—but ultimately concludes that all these pursuits are vanity, or "chasing after the wind."The key takeaway? True wisdom is found in fearing God and keeping His commandments. But it's not merely about following rules—it's about cultivating a relationship with God through Christ.Ecclesiastes isn't just a book about the limitations of human wisdom; it points us to the deeper truth that wisdom is found in a relationship with God. Near the end of Ecclesiastes, we read that "the words of the wise are like goads," and these words come from "one shepherd."Interestingly, this shepherd's identity is made clear in the New Testament, where Jesus identifies Himself as the Good Shepherd in the Gospel of John. Not only does Jesus impart wisdom, but He is wisdom. In Colossians, we learn that Jesus is the one who orders and sustains all things—He embodies wisdom.Paul writes in 1 Corinthians 1:30 that Jesus became "to us wisdom from God, righteousness, and sanctification." This concept shifts our understanding of wisdom from a set of teachings to a relationship with a person.Ecclesiastes and the Limitations of Human WisdomEcclesiastes acknowledges the limits of human wisdom. Even Solomon, renowned for his wisdom, struggled to make sense of life's paradoxes. He sought knowledge, but it never gave him lasting meaning. In fact, knowledge alone cannot answer the deeper questions of life, such as suffering, uncertainty, or death.True wisdom isn't found in education or achievement; it's received from outside ourselves. Proverbs 9:10 states, "The fear of the Lord is the beginning of wisdom," and in the knowledge of the Holy One, there is insight. True wisdom is about trusting in Christ, who alone leads us into all truth and understanding.Walking in Wisdom with ChristIf wisdom is a person, the way to grow in wisdom is to walk closely with Jesus. John offers some practical ways to deepen our relationship with Christ and grow in wisdom:Spend time in God's Word: Not just for information but to encounter Christ and be transformed.Pray and seek His guidance: God promises to give wisdom to those who ask for it.Live in obedience: Wisdom isn't just knowing what is right; it's living it out.Surround yourself with wise counsel: Engage with fellow believers who are also walking with Christ.Trust God in times of uncertainty: Lean on Christ in suffering and hardship.Develop a heart of gratitude: Recognize and enjoy the simple gifts God gives us each day.These steps, though simple, shape our lives and our relationship with God. They allow us to grow in wisdom and understanding as we live in step with Christ.The Connection Between Wisdom and FinancesOne area where wisdom plays a critical role is in our financial lives. The way we handle money is closely tied to our spiritual journey, and the book of Ecclesiastes speaks directly to this. Money is often viewed in our culture as a means of fulfillment, but Ecclesiastes teaches us that wealth is a tool, not our source of meaning.In Ecclesiastes 11, we are reminded of the importance of generosity: "Cast your bread upon the waters, for you will find it after many days." Giving reflects God's nature and His wisdom, and it produces Kingdom fruit. Generosity is a key part of living for Him.Ecclesiastes teaches us to appreciate the simple gifts God provides, while also reminding us that money and possessions are fleeting. As we apply the wisdom of Christ to our finances, we see the balance between frugality, generosity, and enjoying the blessings God has given us.The Ultimate Wisdom: JesusAt the heart of Ecclesiastes—and of all Scripture—is the call to fear God and keep His commandments. In the New Testament, we understand that this means following Jesus Christ, who is wisdom incarnate. Our pursuit of wisdom isn't about accumulating knowledge or living by a set of moral principles. It's about knowing Jesus personally and living in relationship with Him.If you're seeking wisdom, the answer is not found in more knowledge or better strategies—it's found in Jesus Christ. As we follow Him, we grow in wisdom, and our understanding of life's challenges—including money and possessions—becomes clearer. Wisdom is a person, and that person is Jesus.For those interested in diving deeper into the book of Ecclesiastes, our new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, offers a comprehensive exploration of this biblical text and its profound teachings on money, work, and contentment. Visit FaithFi.com/shop to get your copy today or to place a bulk order.On Today's Program, Rob Answers Listener Questions:I have a son who has separated himself from our family. We haven't spoken in two and a half months. I want to know if there are any biblical references that would support changing my will to take my son out of it, given our current strained relationship.I made an insurance claim for a new roof, which was necessary. Now my insurance company has raised my rates, and my next payment is $163 higher than usual, which I can't afford this month. Do I have any recourse, and what should I do besides looking for another insurance company?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineTrue Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory BaumerSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23It's easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn't come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement.Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their work. He is the author of An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rediscovering Purpose in RetirementWhat if retirement wasn't the end of something, but the beginning of something far greater?With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?”Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today's media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing.A Biblical Alternative: Eldership, Not EscapeThe Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn't “quitting”; it's wise delegation and reorientation.There's a three-part vision in light of this:Lay down past work identities.Embrace a season of rest, reflection, and renewal.Re-engage as elders—servants, mentors, leaders.The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates.A Path Forward: Rest and RenewalWe encourage retirees to start with rest, not for rest's sake, but to re-center and listen for God's leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life's transitions.It's recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God's direction.Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it.As Psalm 92:12–14 reminds us:“The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.”So what's next?Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet.It's time we shifted the retirement conversation from numbers to calling.Embrace an Uncommon RetirementIf you're ready to rethink retirement, pick up Jeff's book, An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life. And if you want to read Jeff's full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give.Because retirement isn't the end—it's the start of a new mission. Let's live it well.On Today's Program, Rob Answers Listener Questions:My husband and I own a trucking company, and we're downsizing. We sold one of our trucks and have approximately $80,000. I'm trying to figure out the best way to invest this money or whether it would be wiser to put it towards the debt on our other trucks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Larry Burkett often said that capitalism must be tempered by Christian love, compassion, and stewardship.Proponents of capitalism and free markets don't often express that concern, just as believers in social welfare rarely count the cost. Jim Jones joins us today to talk about a new way of looking at those ideas.Jim Jones is a Chartered Financial Analyst® (CFA®) and Certified Kingdom Advisor® (CKA®). He is also the author of Utopia Reimagined: An Allegory of Capital and Conscience.A Unique Approach to Biblical EconomicsUnlike typical finance books, Utopia Reimagined is a novel—a work of fiction designed to explore serious biblical and economic themes through story.Why fiction? Jesus often used storytelling to challenge people's assumptions and invite deeper reflection. From the Good Samaritan to the Prodigal Son, stories have the power to stick with us in ways data and arguments often can't. As G.K. Chesterton once quipped, “Novels are more true than science textbooks. Life is sometimes like a science textbook, but life is always a story.”The Journey of Alexander and PaulineThe novel follows two siblings—Alexander and Pauline—on a journey through contrasting societies, each representing different economic and political ideologies.Alexander, a gifted but oppressed peasant in 18th-century France, escapes a feudal system to explore new societal models. His journey takes him through a magical cave into Santosa—a society with socialist tendencies—and eventually to New York City, the heart of free-market capitalism. Along the way, Alexander wrestles with the tension between opportunity, freedom, and justice.Pauline's journey is more focused on the moral and cultural fabric of each society. Her lens offers readers a parallel exploration of what's right, just, and good—not only economically, but relationally and spiritually.Through these characters, readers are invited to explore how faith shapes our perspectives on power, wealth, justice, and human dignity. Some characters see everything through the lens of faith, while others struggle to integrate it or reject it altogether.The beauty of storytelling is that it doesn't just show you what people believe, but why they believe it. That builds compassion and opens the door to real understanding.What Does a Biblical Utopia Look Like?In the final chapters of the novel, Alexander and Pauline discover a society that reflects the fullness of God's Kingdom—a glimpse of the new heavens and the new earth. It's a world where work, community, economics, and leadership are all governed by Christ's nature: sacrificial love, justice, and peace.But how do we pursue this kind of utopia now?Real change begins not at a national or global level, but in our local Christian communities. Reflecting God's image means practicing agape love—self-sacrificing care for one another—in how we use our time, money, influence, and power. We do that in community, not alone.Bringing the Vision to LifeMore than just a novel, Utopia Reimagined is a tool for discipleship and transformation. It's a call to rethink how we live, give, work, and govern in light of God's design. Through this engaging allegory, Jim Jones invites believers to dream again—anchored in Scripture and empowered by the Spirit—to reflect the Kingdom of God on earth as it is in heaven. That's why he has developed a discussion guide for churches, small groups, and communities who want to go deeper. It's available at utopiareimagined.com, where readers can also purchase the book or join a virtual conversation with Jim himself.And for a limited time, the Kindle edition is available for just $1.99.On Today's Program, Rob Answers Listener Questions:I'm a landlord with a duplex and want to sell it in a year. I haven't rented the top unit for a year after a bad tenant experience. What's the best way to proceed - rent it out again or sell, and how do I handle the tax implications of a potential 1031 exchange?I'm 65 and have a life insurance policy with $45,500 cash value. We no longer need the death benefit. Should I cash it out and invest the money or use it to pay down our $50,000 mortgage?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineUtopia Reimagined: An Allegory of Capital and Conscience by James G. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio.Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. What Is an ETF—and How Does It Differ from a Mutual Fund?Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions.ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes.Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It's also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider.While some ETFs are straightforward, others are complex. For example, oil futures ETFs don't always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions.Faith-Based Investing with PraxisHistorically, faith-based investing has centered around mutual funds. But that's changing. Praxis recently launched two ETFs designed with Christian values at their core:PRXG: Praxis Impact Large Cap Growth ETFPRXV: Praxis Impact Large Cap Value ETFThese funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement.For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It's vital to have Christians at the table asking not just what is possible, but what kind of future we want to create.If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don't compromise on financial performance.Learn MoreYou can explore Praxis's biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com.Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it's possible to steward God's resources with wisdom, impact, and integrity.On Today's Program, Rob Answers Listener Questions:Should I prioritize charity donations and extra mortgage payments or build up my emergency savings first?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazinePraxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“The Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25We all make plans, but life doesn't always go as expected. Missed expectations can be painful, especially when we've done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.When Life Doesn't Go According to PlanWhether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one's passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair.In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it's there, right in the void, that God meets us.When our expectations are shattered, our reactions often fall into two extremes:Resignation: We lower our expectations to avoid disappointment, but in doing so, we risk losing hope altogether.Control: We force outcomes, striving and manipulating circumstances to regain a sense of stability.Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind.Psalm 27:14 says, “Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!” Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, “The work God wants to do in us while we wait is as important as what we are waiting for.”Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn't happen any other way.Practical Steps for Seasons of WaitingDrawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting:Acknowledge God is at work – Even if you can't see it. Habakkuk 1:5 reminds us, “I am doing a work in your days that you would not believe if told.” Change your perspective – Ask God to help you see things from His perspective. Sometimes, hope is just a matter of viewpoint. Worship in the waiting – Worship reorients our hearts. It reminds us who God is and keeps us anchored in His character rather than our circumstances.For those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand.And that's not just a consolation—it's a promise.On Today's Program, Rob Answers Listener Questions:Does giving to animal charities count as tithing, or is tithing explicitly meant for giving to help people?I heard that disability and SSI are going to increase their monthly payments. Is this true?I recently sold a house and didn't give the whole tithe I intended. My financial advisor suggested waiting until a CD matures in July to avoid taxes. Should I wait to give the tithe, or give it now?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

The Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it's not because money is the most important topic. Rather, it's because money is one of the most accurate indicators of what's going on in our hearts.If you explore this subject, you'll find stats like “1 out of every 7 verses in which Jesus speaks involves money,” or “11 of His 39 parables are about money.” While I'm not sure if those stats are accurate, it is true that Jesus mentions money a lot. However, His teaching is rarely about money itself. It's always about something bigger, looming in the background.Money isn't just a resource; it's a reflection. It reveals our priorities, fears, hopes, and values. Whether we live paycheck to paycheck or have significant wealth, we all wrestle with what money means to us. That's why Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.”From personal stress to relationship breakdowns, money often acts like a magnifying glass. It brings underlying values to the surface. For example, in marriage, financial tension is often less about dollar amounts and more about differences in values, such as security versus spontaneity, generosity versus comfort, and planning versus pleasure.Every Financial Decision Is a Spiritual OneEven small spending decisions carry spiritual weight. That morning latte? Those new shoes? They may seem trivial, but they reflect priorities. Matthew 6:24 reminds us that “no one can serve two masters…you cannot serve God and money.”This doesn't mean we can't enjoy God's provision. In fact, Ecclesiastes 3:12–13 says, “There is nothing better…than to be joyful and to do good…also that everyone should eat and drink and take pleasure in all his toil—this is God's gift.” However, that enjoyment must be balanced with the bigger picture: Are our financial decisions aligned with God's heart?In marriages and relationships, conflicting values around money are common, and they're not necessarily wrong. One spouse may dream of traveling to create family memories, while the other may want to boost their retirement savings. Both can honor God. The key is discovering common ground and inviting God into the conversation.Howard Dayton, the previous host of this program, used to say, “It's hard to quarrel when you're praying together.” Prayer aligns our hearts before we try to align our plans. Through honest conversations and mutual respect, differences can become opportunities for growth rather than division.If money disagreements persist, don't hesitate to bring in wise, biblical counsel. A financial advisor—especially a Certified Kingdom Advisor®—can help couples or individuals uncover shared goals and develop a plan that honors God and promotes unity.The Bottom Line: God Wants Your HeartWhether you're facing a tough decision or navigating financial tension in your home, remember: it's not ultimately about the money. God is after your heart. And when your heart is surrendered to Him, your financial decisions will reflect that trust.So whatever you're facing today, don't walk through it alone. Pray. Talk. Seek wisdom. And above all, treasure Christ above all else. When He has your heart, everything else—including your finances—will follow.On Today's Program, Rob Answers Listener Questions:I have a credit card with a $9,300 balance and would like to know how to pay it off quickly while minimizing high-interest charges.I have an annuity and IRAs with Edward Jones that I'm unhappy with due to low performance and high fees. I'm considering moving my investments to Schwab or another financial institution and want advice on how to manage my approximately $500,000 in investable assets.I currently have two certificates of deposit and would like to know if I should liquidate them and open an IRA instead.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Summer's not that far off, and the kids are already thinking “vacation.” Will you be ready for it?How can you make great family memories without breaking the budget? That's always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation.Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. How to Take a Great Family Vacation Without Breaking the BankPlanning a family vacation is one of life's great joys—and, if you're not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret.1. Start with a Plan—and Start EarlyPlan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like Google Flights to find the best travel deals.Google Flights lets you enter your preferred dates and search anywhere for the lowest fares. It's a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it's staying near the beach, and you're willing to save by eating in.2. Look for Free ActivitiesYou'd be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories.3. Get the Whole Family InvolvedVacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they're not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip.This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun.4. Be Strategic About MealsEating out can quickly blow your vacation budget. Instead, be intentional. That's why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home.Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It's way cheaper than dining out every meal.Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost.5. Set a Daily Spending LimitOne final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun?This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort.Remember that the best vacation is the one you come home from without credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable.Want more money-saving tips from Crystal? Visit MoneySavingMom.com.On Today's Program, Rob Answers Listener Questions:I just set up a new bank account, and they recommended using a debit card to pay bills. But I've always used my credit card and think it's more secure. What's your advice on using a debit versus a credit card for monthly bills?I have a 401(k) and want to invest more deeply in stocks. I know the stock market is dropping, but I remember when it fell much more. I'm confident about our economy and in God. I'd like to invest about 30% in stocks, but I'm wondering if I'm getting in too soon, or should I wait for the market to go lower?I have a question about annuities. We talked to someone about an annuity that's locked into some kind of care, like long-term care insurance. We're in our early 60s, and I'm wondering if it's too late and if this is a good idea.I have a money market account into which my wife's paycheck goes, and we pay our mortgage. Is this a safe place for our emergency fund, or is there a better option?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMoneySavingMom.comGoogle FlightsBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

What's the difference between a bank and a credit union? More than you might think.At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you'll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. A Different Kind of Financial InstitutionCredit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent.However, Christian Community Credit Union (CCCU) goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom.At Christian Community Credit Union (CCCU), they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments.Surprising Strength in Rates and ServicesMany people assume credit unions can't compete with traditional banks regarding rates, but that's a misconception. Because credit unions don't exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees.Here's a snapshot of Christian Community Credit Union's (CCCU) current offerings:Harvest High-Yield Checking: 4% APY on balances up to $5,000 with no maintenance feesHarvest High-Yield Savings: 5% APY on the first $5,000Welcome CD: 4.5%–4.75% APY on 5- and 10-month termsCash Back Credit Card: 1.5% cash back and a donation to Christian causes with every swipeCCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support.Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like FaithFi and Compass Financial Ministry to help our members grow in their financial discipleship.It's not just about managing money well—it's about managing money faithfully.Funding Ministry and Fueling the GospelOne of the most inspiring aspects of CCCU is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need.From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily.Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide.Becoming a Member is EasySo, how can you join?Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member.With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory.To learn more or become a member, visit joinchristiancommunity.com.On Today's Program, Rob Answers Listener Questions:I have a 401(k) at a place where I used to work about 15 years ago, at the University of North Chicago. It's about $15,000, and I have not been at that job for over 15 years. I want to know if it's a good idea to move it. Should I combine it with my current 401(k), or should I just leave it there?I have a stock in my portfolio that is losing between 40 and 47%. It has an F rating and is a large part of my portfolio. I want to sell it, but I want to know what to do with it after I sell it. I have it in Schwab, and I'm wondering if there's a better fund I could put it in since I have a lot sitting there.I'm contributing to an employer 457(b) plan. Those funds are going into a Roth plan, and I am contributing the maximum amount. I'm married and over 50. I'd like to know if I can also open a personal Roth IRA and a traditional Roth IRA.I would like to sell a piece of land, but I want to sell it to a developer, maybe someone who would be developing a spa, a hotel, or something similar. I want to know where I can go to access or look for developers who would be interested in purchasing my land.My husband and I didn't file taxes from 2016 to 2022, and sadly, he passed away recently. There are IRS notices with increased penalties and interest. Do I have to list the fact that there is a withholding on the IRS notices, even though I didn't have any income, and it was all his income?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Did you know there's a way to tap into your home's equity for tax-free cash—without having to make monthly payments? It's true.It's called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today's reverse mortgage isn't what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. What's Changed? A Safer, Regulated OptionWhen you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past.Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan's term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA).No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn't change, and homeowners are protected.These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling.Are Reverse Mortgage Interest Rates Too High?It's a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn't apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated.Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren't sacrificing much, if anything, in interest when compared to forward mortgages.What About Costs and Obligations?The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance.This insurance offers three essential guarantees:You can remain in your home as long as you want (up to age 150!).Thanks to non-recourse debt protections, you will never owe more than the home's value.Your heirs won't be left with a bill.Yes, this insurance adds about 2% of the home's value to the upfront costs, but it's well worth it—just like homeowner's insurance is worth it if your house burns down.What Happens When the Borrower Passes Away?A major concern many have is what happens to the home after the homeowner dies or permanently moves out.The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000.Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning.Flexible Payout OptionsOne of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways:A lump sumA line of creditMonthly income paymentsOr even a combination of these optionsThe big idea? Your home is not just a place to live—it's also a financial asset that can be used strategically, especially in retirement.Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home.Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage.On Today's Program, Rob Answers Listener Questions:My husband has taken a new job, and we have been contributing to an HSA. He wants to contribute $1,000 a month to the HSA. We still own a home and are nearing retirement age. Should we work on paying off the home or continue to put dollars into the HSA?A week or two ago, I caught part of your program about freezing credit scores. I didn't catch the whole explanation. We've never really taken out loans except for our first house 45 years ago. Is there any downside to freezing my credit?I recently received a large amount of money from a dear loved one who passed away in January. I know I'm going to tithe and pay taxes on the amount. I have an appointment with my bank to set up a CD account, but I want to know what other types of investments I can make with the money. I just want to make sure I'm doing the right thing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - Psalm 82:3–4As followers of Christ, we're called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. ​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at Heart for Lebanon, an underwriter of Faith and Finance.The Crisis Behind the HeadlinesIn a society shaped by shame-and-honor dynamics, without a biblical understanding of human dignity, refugee girls—especially Bedouin and Kurdish—are often seen as burdens or liabilities. Add to that multiple wars, a collapsed economy, and weak legal protections, and the danger becomes tragically clear: girls are exploited because they're seen as expendable.But Heart for Lebanon is stepping in not just to rescue—but to prevent. That may sound counterintuitive until you hear stories like Ferial's—a grandmother who joined a literacy class to model a different future for her granddaughters. After coming to know Christ through Heart for Lebanon, she said, “I can't change what happened to my daughters, but I can change the future for my granddaughters.”Prevention means investing in the whole family unit. It means addressing spiritual, emotional, and physical needs by offering:Christian counseling in their native languageNon-formal education programs that integrate biblical valuesSafe, holistic discipleship environments for moms, dads, and childrenCommunity development rooted in the GospelOne of the most moving examples is Alima, a 10-year-old enrolled in Heart for Lebanon's Hope Education Program. Her mother, under cultural and financial pressure, began pushing Alima to abandon school and enter into marriage. But because of the truth Alima had learned through Heart for Lebanon—truth about Jesus and her God-given worth—she found the courage to push back.Her bold faith not only protected her from child marriage but, through prayer and persistence, led to her mother's salvation as well. This is the ripple effect of prevention-centered ministry.Real Change Through Holistic MinistryThe key to sustainable impact is community transformation. The goal isn't to isolate and remove girls from danger—which can sometimes cause more trauma—but to reshape families and communities from within through Gospel truth. When fathers, uncles, and guardians are discipled alongside mothers and daughters, entire cultural norms begin to shift.That's what Heart for Lebanon is doing every day—breaking cycles of violence and shame with the hope of Jesus.Heart for Lebanon is inviting the Faith & Finance family to join them in this mission. A gift of $114 helps reach and protect three at-risk girls, offering them education, protection, and the Gospel of Jesus Christ.You can give by:Texting “FAITH” to 98656Visiting FaithFi.com/LebanonOur shared goal? To introduce 500 young women and girls to Jesus and prevent the heartbreaking patterns of early marriage, child labor, and violence.On Today's Program, Rob Answers Listener Questions:I want to buy a used tractor for our 15 acres. Can I use the interest from our high-yield savings account to purchase it?My husband and I started generating income later than most of our peers. He did a PhD, and I've been at home with the kids. Now that he has his first job, we have a small savings account but no 401(k) or investments. We want to maximize our investments but aren't sure where to start.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineHeart For LebanonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“A good man leaves an inheritance to his children's children…” - Proverbs 13:22That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with The National Christian Foundation (NCF), where she assists families nationwide with achieving their charitable gift-planning goals.What Is an Intentional Inheritance?An intentional inheritance is more than the distribution of wealth. It's a prayerful, purposeful plan for shaping the lives of those who will receive what we leave behind. Inheritance is one of the most significant stewardship decisions we make. It's not just about how much but how—and why—we give.This perspective calls for a deep shift. Before passing on wealth, we must first pass on wisdom. Otherwise, unmanaged or misunderstood wealth can do more harm than good.Start with Prayerful IntrospectionAsk yourself: What role does wealth play in my life? Reframe your mindset around money—not as a measure of success or security but as a tool for Kingdom work. Wealth is an entrustment from God, not an end in itself. That means laying it down at the cross daily, asking the Lord to help us steward it with humility and grace.Three Types of InheritanceTo simplify this big task, here are three kinds of inheritance every Christian family should consider:1. Inheritance to SpendThis is the traditional kind of inheritance—resources intended to provide opportunities, experiences, and essentials. Think of it as financial fuel to help your heirs live productive, content lives. But maturity matters. Consider using this inheritance to fund training, travel, or education before a large transfer, especially if the heir is still developing financial literacy or spiritual maturity.2. Inheritance to ShapeThis is where legacy comes to life. Instead of simply giving money, consider shaping character through shared experiences—like mission trips, retreats, or projects that reflect your family's values.3. Inheritance to ShareWe're blessed to be a blessing. Set aside a portion of your estate to fuel generosity in the next generation. This might include donor-advised funds, charitable trusts, or other giving vehicles your heirs can use to support ministries or causes close to their hearts. This is how we teach our children to reflect God's love through giving.Practical Steps to Craft an Intentional InheritanceHere are four foundational steps to take:1. Engage in Open DialogueTalk with your heirs about the purpose behind the inheritance. Focus less on how much and more on why. Share your values, your heart for the Kingdom, and how you hope the inheritance will be used to bless others. This conversation builds trust, understanding, and spiritual alignment.It's not about dollars and zeros; it's about attitude, opportunity, and calling.2. Work with Faith-Aligned AdvisorsChoose financial and legal professionals who share your biblical worldview. Whether you're working with an estate attorney or a financial planner, the right team will help ensure your legacy is stewarded with wisdom and integrity. That's why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.”3. Prepare Your HeirsDon't wait until the inheritance is distributed. Teach your heirs financial literacy and spiritual stewardship now. Let them stumble, learn, and grow while you're still here to mentor and encourage them.4. Use Strategic ToolsLeverage estate planning vehicles like wills, trusts, donor-advised funds, and charitable gift plans. These tools help ensure your assets are distributed in a way that promotes ongoing generosity and reflects your commitment to faithful living.Even well-meaning inheritances can lead to confusion, entitlement, or spiritual drift without intentional planning. But with prayer, purpose, and preparation, your legacy can be a launching pad for generations of Kingdom impact.Want to learn more?Explore practical tools and gospel-centered resources at NCFgiving.com to help you build a legacy of generosity and faith. To read Jeanne's full article, “Intentional Inheritance: Crafting a Faithful Legacy for Future Generations,” become a FaithFi Partner with a monthly gift of $35 or an annual gift of $400 at FaithFi.com/give.On Today's Program, Rob Answers Listener Questions:I'm nervous about retiring in the next year and a half. I have a 457 retirement account with the state of Ohio, and I'm worried about the current economy. Should I move all my investments into stable value to protect what I've got while the economy is in flux?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Experiencing God: Knowing and Doing the Will of God by Henry Blackaby, Richard Blackaby, and Claude V. KingWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn't the end of the story—it's the turning point. It's the day God's grace was poured out most fully and most freely.Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn't just die for us—He died instead of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn't just a wooden beam but the full weight of our guilt and rebellion.And yet, it was love—not nails—that held Him there.The Financial Language of RedemptionHere on Faith & Finance, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation.“The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” - Romans 6:23“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.” - Mark 10:45“You were bought with a price. So glorify God in your body.” - 1 Corinthians 6:20These verses paint a clear picture: our sin incurred a debt that only Jesus could pay.Tetelestai: It Is FinishedIn John 19:30, as Jesus gave up His spirit, He cried out, “It is finished.” The Greek word He used—tetelestai—was more than a declaration of His suffering ending. It was a victory cry.In the ancient world, tetelestai was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant's report that a task had been completed.So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn't come to make a down payment on our salvation. He didn't cover part of the cost and leave the rest up to us. He paid it all.That means you and I no longer live in spiritual deficit. We live in the overflow of God's grace. There's no more striving to earn God's favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to gain life, but because in Christ, we've already found it.Why Good Friday Is Truly GoodGood Friday is good not because it was easy but because it was enough.At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace.So, as we reflect today, may we hear His final words echo in our hearts—It is finished. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us.From Financial Fear to Freedom in ChristIf this message resonates with you, we invite you to explore Look at the Sparrows, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God's grace free us from worry and invite us to trust fully in His provision.On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom.On Today's Program, Rob Answers Listener Questions:I want to send money to my three cousins in Europe who are in a difficult economic situation. Can I get a tax deduction for gifting them money?I need guidance on being a good steward and managing my giving to various churches and outreaches.I'm receiving a modest inheritance and want to give about $30,000 to one of my siblings. I'm also planning to give $10,000 to my son for a wedding gift. I'd like to know how to handle these gifts from a tax perspective and if I need to split the gifts over two years.I want to know how to start on a debt-free journey and what steps I should take to stay on that path.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot.Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. Building a Life of Faithful Stewardship from the StartFinances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That's why it's critical to lay a foundation not just of financial literacy but of biblical stewardship. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning.1. Begin With a Plan—And a BudgetWithout a clear plan for spending, saving, and giving, it's easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you.And you don't have to do it alone. Tools like the FaithFi app make creating an intentional, faith-filled budget easy. It's not just about numbers—it's about aligning your finances with your values.2. Save for Emergencies—And Stay Out of DebtAfter budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits.Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can.3. Learn from Others—and Find a MentorThere's no substitute for wise counsel. Watch those who are succeeding with money—and those who aren't. Learn from both.Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save.4. Give Generously—Even When It's HardStart giving now. Like Randy Alcorn says, “God prospers us not to raise our standard of living, but our standard of giving.” Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider.5. Start Investing Early—and ConsistentlyCompound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time.Start with low-cost index funds or retirement accounts like a Roth IRA. And don't overlook your workplace benefits. If your employer offers a match, take it. That's free money.6. Align Your Investments with Your FaithToday's investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles.7. Embrace Rhythms and Celebrate MilestonesThe journey to financial stability can feel long, especially when progress is slow. That's why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We're not meant to live like monks but are called to be wise.These rhythms of budgeting, saving, investing, and giving aren't just habits—they're acts of worship.8. Talk About Money—Especially in MarriageMoney fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often.Being on the same page financially brings unity and builds trust. It's also a way of inviting God into your relationship in a very practical, day-to-day way.9. Grow in Wisdom—And Keep LearningStaying in God's Word and learning from wise voices is crucial. Some books that we recommend to help you discern what the Bible really says about wealth and generosity are:Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy AlcornStart StrongTo the student, recent graduate, or young couple just starting out: the best time to build wise financial habits is now. Begin with a plan. Learn from mentors. Avoid debt. Save for emergencies. Give generously. Invest consistently. Talk honestly. And let Scripture shape how you think about money.After all, financial wisdom isn't just about building wealth—it's about building a life that reflects the heart of God.On Today's Program, Rob Answers Listener Questions:I'm 70 years old and have $112,000 in my checking account. I'm about to retire and unsure what to do with this money. Should I pay off my $110,000 mortgage or use the funds for home repairs and a new car?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineCrossmark Global InvestmentsMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornThe Treasure Principle: Unlocking the Secret of Joyful Giving by Randy AlcornWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust.When things are going well financially, it's easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn't always a sign of God's approval—sometimes it's a test.The Temptations of AdversityFinancial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God's goodness. But just as prosperity tests our humility, adversity tests our faith.James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.”So how do we remain grounded—whether in feast or famine? The answer is wisdom.Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”This kind of fear isn't cowering in dread—it's reverent awe. It's the recognition that God is holy, sovereign, and good. And it's trusting that His commands are given for our good, not our restriction.Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing.What Wisdom BringsGodly wisdom isn't reserved for the wealthy or educated. It's available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely:Discernment: “Then you will understand what is right and just and fair—every good path” (Proverbs 2:9).Guidance: “In all your ways acknowledge Him, and He will make your paths straight” (Proverbs 3:6).Blessing: “Blessed is the one who finds wisdom, and the one who gets understanding” (Proverbs 3:13).Reputation: “The wise inherit honor, but fools get only shame” (Proverbs 3:35).Protection: “Through the fear of the Lord a man avoids evil” (Proverbs 16:6).Your income or assets do not bind these benefits—they're available to anyone who listens to God and walks in His ways.In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God's wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.”When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God's warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy.Applying Wisdom to Your FinancesHere are three practical ways to walk in financial wisdom:1. Recognize God's OwnershipEverything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord's, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give.Ask the Lord to help you desire faithfulness over financial status. He's not looking at your net worth—He's looking at your heart.2. Live by Biblical PrinciplesScripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, “In humility, consider others more significant than yourselves.”3. Pursue ContentmentPaul writes in 1 Timothy 6:6, “Godliness with contentment is great gain.” True wealth isn't about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism.What Do Your Habits Reveal?At the end of the day, your financial decisions reflect your spiritual direction. Are your habits shaped by God's wisdom or the world's values?Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). If you're following Christ, your money will follow Him, too—toward generosity, simplicity, and trust.Whether you're walking through a season of prosperity or adversity, God is with you. And if you seek His wisdom, you'll be equipped to handle both with grace.The world measures success by accumulation, but God measures it by faithfulness. So whatever financial season you're in right now, stay focused on what truly matters: following Jesus. In Him, there is peace, purpose, and joy—no matter your bottom line.On Today's Program, Rob Answers Listener Questions:I want to move from our 26-acre farm, but house prices are high. Do land prices follow house prices if the housing market drops?I want to put my house in a trust to protect it in case I end up in a nursing facility, but I can't afford an attorney. What do you think of using an app like Quicken Willmaker for this purpose?I'm a federal employee planning to retire within a year. My TSP is invested 70% in the C fund and 30% in the G fund. Is this a good allocation, or would it be safer to start moving more of my investments into the G fund?I own a house, and I decided a long time ago to put it in my name and my three daughters' names. I'm wondering if I have done the right thing and what the advantages or disadvantages of this decision are.I want to transfer my Arizona property to my children to avoid probate. Are CDs offering 7.5% better than stocks with broker fees?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

For the past decade, U.S. stocks have stolen the spotlight. Fueled by the dominance of tech giants and ultra-low interest rates, American equities have outperformed much of the world—leaving many investors to wonder if there's any need to look beyond U.S. borders. But history—and current market conditions—suggest it may be time to take a fresh look at foreign stocks.A recent article from Sound Mind Investing by Mark Biller outlines why international markets could be poised for a resurgence. From valuation gaps and shifting fiscal policy to global capital flows and post-COVID economic trends, several factors are aligning that could make foreign equities an important part of a well-diversified portfolio again.Let's walk through the key highlights and insights from the article—and why this may be a wise moment to think globally in your investment strategy.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Why Should U.S. Investors Consider Foreign Stocks?1. Diversification and Market DynamicsForeign stocks offer investors the opportunity to diversify—not just by geography but also by market behavior. While U.S. stocks declined by more than 4% in Q1 of this year, a common international fund used by Sound Mind Investing rose by over 8%. That kind of divergence underscores the value of spreading risk across global markets.Two decades ago, having 20% or more of your equity portfolio in international stocks was standard practice. However, as U.S. markets have surged over the last 14 years—outperforming foreign stocks by a factor of four—many investors have pulled back. History, however, suggests the pendulum could be swinging back.2. The Tech Bubble ParallelRemember the late 1990s tech boom? From 1995 to 1999, the S&P 500 rose more than 20% annually, driven largely by internet stocks. Sound familiar?After the dot-com bubble burst in March 2000, U.S. stocks stalled—gaining just 13% over the next 7.5 years. Meanwhile, foreign stocks soared, climbing 69% during that same stretch. Market cycles like this remind us that chasing performance can lead to missed opportunities elsewhere.3. A Price-to-Earnings DisparityCurrently, U.S. stocks trade at a P/E ratio of around 26—well above historical norms. Foreign stocks? Around 16. That's a significant valuation gap. While valuation alone doesn't indicate when markets will shift, it does suggest that the upside potential for international equities is greater—especially if investor sentiment begins to shift.4. Post-COVID Spending and Sector ShiftsCOVID-19 marked the end of a 40-year trend of declining inflation and interest rates. Since then, we've entered a new environment with higher inflation and rising rates—conditions that benefit the more industrial, less tech-heavy composition of many foreign markets.U.S. tech stocks, dominant in low-rate environments, may not fare as well moving forward. Foreign markets, which lean toward traditional sectors, could outperform in this new economic climate.5. Shifting Fiscal PolicyOne potential catalyst for foreign stock performance is shifting government policies. The U.S. has begun cutting back on spending, while other countries—facing rising defense needs and new trade dynamics—are ramping up.Historically, higher government spending boosts economic growth in the short term. If the U.S. tightens its belt while others open their wallets, we may see a reversal in relative market performance.6. The "Sequencing Risk" of Tariff Policies“Sequencing risk” is a dynamic in which the pain of policy changes is felt up front, while the benefits come later. For example, tariffs initially slow economic activity but are implemented in hopes of long-term economic independence and stability.This could reduce U.S. growth projections in the short term as some foreign economies accelerate. This divergence can significantly influence investment returns.7. Follow the MoneyFor decades, the global economy has operated under a system where the U.S. buys, and the rest of the world recycles its earnings back into U.S. assets. This has been a tailwind for U.S. stocks and bonds.But what happens if the U.S. begins importing less? Those recycled dollars may dry up—meaning less foreign investment in U.S. markets and potentially more reinvestment at home, in countries where those goods are produced. That shift could fuel a rally in international markets.8. It's Not Either/Or—It's Both/AndThis isn't about abandoning U.S. stocks. It's about recapturing the value of a globally diversified portfolio. With international stocks looking attractively priced and a number of tailwinds forming, now may be a wise time to add foreign exposure through mutual funds or ETFs.The impact could be substantial if global capital starts flowing back into foreign stocks.If your portfolio has drifted into a U.S.-only approach over the last decade, now may be the time to revisit your strategy. While no one can predict the future, wise stewardship includes preparing for it with thoughtful diversification.For a deeper dive into this topic, you can read Mark Biller's full article, “Time for Foreign Stocks to Shine?” at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I want to buy an expensive watch. Is this being a bad steward of God's money? Where's the line between treating myself and overspending?I own a condo unit in a homeowners' association that has been assessed $870,000 for a roof replacement. The association claims the original contractor was paid $438,000 and ran away with the money. Are there any government agencies that can investigate this, and what rights do I have?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineSound Mind Investing | Time for Foreign Stocks to Shine? By Mark Biller Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

In today's fast-paced world of cryptocurrency booms, sports betting apps, and market volatility, it's easy to blur the lines between investing and gambling. Some even suggest they're essentially the same: putting money at risk in hopes of a reward. But that's a serious oversimplification—and it misses what sets these two activities apart, not just financially but morally and biblically.Let's examine closely how Scripture, wisdom, and faith guide us in thinking rightly about risk, wealth, and the difference between gambling and godly investing.Surface Similarities, Foundational DifferencesYes, both investing and gambling involve uncertainty. But the nature, purpose, and outcome of that uncertainty reveal a stark contrast.Investing is thoughtful risk—measured, intentional, and directed toward long-term growth and productivity. It's about building something: a business, a future, a legacy. Gambling, on the other hand, is a zero-sum game. One person's win always comes at another's loss. There's no product created, no value added—just money changing hands, often driven by chance.Scripture doesn't condemn risk itself. In fact, Ecclesiastes 11:1 encourages wise, forward-looking activity:“Cast your bread upon the waters, for you will find it after many days.”Farmers sow in faith, business owners launch ventures without knowing outcomes, and faithful stewards invest, trusting God while using His resources wisely.At its best, investing helps others flourish. When you invest in a company, you support its ability to hire employees, create products, and expand services. It contributes to the real economy. This aligns with the biblical call to participate in the common good and steward what we've been given.In contrast, gambling thrives on imbalance. Its business model depends on extracting wealth from those who can least afford to lose it. According to numerous studies, gambling establishments disproportionately profit from those in financial distress. That's not just unfortunate—it's unjust.Scripture speaks clearly on this:“Ill-gotten gains do not profit anyone, but righteousness rescues from death.” - Proverbs 10:2 “Learn to do right; seek justice. Defend the oppressed.” - Isaiah 1:17When we gamble, we're often not just risking money—we may be supporting an industry that profits from injustice and preys on desperation.Faithful Investing Is an Act of StewardshipIn the Parable of the Talents (Matthew 25:14–30), Jesus praises servants who wisely multiply what was entrusted to them. This wasn't a message about maximizing profits—it was about faithfulness. The servants who acted wisely weren't gamblers but stewards who took action with the Master's interests in mind.That's the heart of Christian investing: not chasing gains but multiplying God's resources to serve others and glorify Him.As stewards, we ask not just what we invest in but why. Are we motivated by generosity or greed? By love for neighbor or love of money?Gambling feeds on a dangerous lie: “If I just get lucky, everything will be better.” It exploits our dissatisfaction and fuels a restless craving for more.But the Bible calls us to contentment, not a compulsive pursuit of wealth.“Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.'” - Hebrews 13:5That warning doesn't apply only to gamblers. Even investing, when driven by fear or pride, can become a spiritual trap. Hoarding under the guise of saving. Obsessing over returns instead of resting in God's provision. That's why heart-checks are essential: Am I trusting in God—or in my portfolio?Gambling Turns Money into a God—Investing Can Turn It into a ToolJesus was clear:“You cannot serve both God and money.” - Matthew 6:24Gambling often makes money the master—something to chase, fear, and idolize. But investing, done with a kingdom mindset, makes money a servant—something to steward and direct toward God's purposes.That's why investing should never be seen as a get-rich-quick scheme. It's a long-term discipline rooted in wisdom, patience, and generosity. It's a way of preparing for the future while contributing to the flourishing of others today.Here's the bottom line: how we handle money is never just a financial issue—it's a spiritual one.Gambling often reflects distrust in God's provision and a desire for quick fixes. When done right, investing reflects wisdom, contentment, and a desire to serve.Here are a few reflective questions to consider:Am I making financial decisions out of fear or faith?Is my heart set on what money can do—or on what God has already done?Do I view my investments as a way to bless others or simply benefit myself?Your Security Is in Christ, Not in ReturnsIn today's uncertain economy, it's tempting to look for shortcuts or put our trust in performance. But real peace doesn't come from perfect financial planning—it comes from knowing the One who holds your future.Whether you're investing, giving, saving, or simply getting by, remember:Your ultimate treasure isn't in the stock market or your net worth—it's in Christ.As you steward God's resources, don't chase the illusion of easy wealth. Instead, pursue faithfulness, justice, and generosity.That's not just wise investing. That's worship.On Today's Program, Rob Answers Listener Questions:I have a question about what I actually need to do as far as whether we look at an estate attorney, whether we look at a CPA, whether we look at a financial planner. We have several homes and investments and want to create a trust, but we just don't know which direction to go with it.I want to know if our portfolio is conservative enough. We have about $900,000 to $1 million in property. Is property considered aggressive or conservative in an investment mix?What are the pros and cons of changing house title to transfer upon death and adding my kids' names versus leaving it to them in a will?Is it advisable to contact an insurance broker about skyrocketing insurance premiums, and if so, how do I find a reputable one?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineeHealth | HealthMarkets | Healthcare.govChristian Healthcare Ministries (CHM)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Israel is a nation often in the news but seldom for its potential as an investment.​Israel is a tiny country but a powerhouse for investing opportunities, particularly in the tech sector. Brian Mumbert joins us today to examine Israel in a different light.Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.Is It Safe to Invest in Israel?Despite frequent headlines about conflict in the Middle East, Israel stands out as a remarkably resilient nation with an entrepreneurial spirit.Israelis have a low view of debt culturally. In fact, at one point, the government even sent out piggy banks to every citizen to encourage savings and wise stewardship. That mindset—combined with a tech-forward economy—creates strong fundamentals that appeal to values-based investors.Understandably, some investors may wonder about the safety of investing in a country with frequent regional conflict. Israel is regulated just like the U.S. They have their own stock exchange—the Tel Aviv Stock Exchange—and the top 125 companies are listed on the Tel Aviv 125 index.Even during times of war, Israel's economy continues to operate. Brian compared it to the U.S. during World War II: while volatility occurred, the Dow still gained over 50% from 1939 to 1945.A Developed Economy with Room to GrowIsrael graduated from the emerging markets category to a developed economy in 2009. While this was a major step forward, it ironically resulted in less attention from global investors, since many international funds tend to favor larger developed economies like Japan or those in Europe.Still, the fundamentals are strong. Israel's unemployment and inflation rates remain low, and the U.S. continues to be a committed ally.Israel has earned the nickname “Startup Nation” for good reason. Its high-tech sector employs 12% of the workforce and generates 20% of the country's GDP.Many Israeli companies don't become household names because giants like Apple, Google, and Amazon acquire them. Notable examples include:Mobileye—A leader in automotive safety tech.Waze—The crowd-sourced navigation app developed to navigate Jerusalem's winding roads.Cherry Tomatoes—Yes, even innovations in agriculture like drip irrigation and cherry tomatoes can be traced back to Israeli ingenuity.The government's support of tech innovation has made Israel the third-largest tech hub globally by capital raised—just behind Silicon Valley and New York.While tech leads the way, Israel's financial sector is also strong due to the cultural avoidance of debt. This contrasts sharply with many Western nations. Innovations in agriculture (like drip irrigation) and strong export activity also contribute to Israel's economic resilience.Over 50% of Israel's exports are tech-related; major U.S. companies like Apple have invested heavily in Israeli startups, demonstrating the global demand for their innovations.Israel's global relationships are improving, with normalization efforts such as the Abraham Accords expanding diplomatic and trade ties across the Middle East.Venture capital is thriving, too. Israel boasts over 270 active VC funds, and from 2014 to 2018, investment in Israeli startups grew by 140%—more than double the rate in the U.S. during the same period.The Timothy Plan's Israel Common Values FundTimothy Plan offers the Israel Common Values Mutual Fund for those interested in investing in Israel in a biblically responsible way. This fund stands out in several ways:Actively managed—Fund managers respond in real time to geopolitical developments.Focused exposure—At least 80% of companies in the portfolio are domiciled in Israel.Faith-based screening—Just like all Timothy Plan funds, this one avoids investments in companies involved in abortion, pornography, and other areas contrary to Christian values.The fund performed very well last year as the Israeli Stock Exchange closed the year up over 20%, with most of that growth coming in the second half.If you're interested in learning more about investing in Israel and doing so in a way that aligns with your faith, visit TimothyPlan.com.On Today's Program, Rob Answers Listener Questions:I just sold my home with $200,000 in profit. Where's the best place to put this money to earn more interest while keeping it ready for my next home purchase in 6-9 months?As a veteran with limited funds, can I set up a Christian investment account to tithe $100 monthly and distribute it to ministry programs after my death?I'm considering buying a rental property for passive income, but I would like to know if it is wiser to meet with a financial advisor and invest in the stock market instead. I'm single, planning for the future, and want to avoid the time-consuming aspects of managing a rental property.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineTimothy Plan | Israel Common Values Mutual FundBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

You've probably heard the phrase, “You can't out-give God.” It may initially sound like bumper-sticker theology, but the truth behind it runs deep. Though you won't find those exact words in Scripture, the idea captures something profoundly true about God's heart: His generosity is limitless—and it's meant to shape our own.From Genesis to Revelation, Scripture reveals a God who gives. But nowhere is His generosity clearer than in John 3:16:“For God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life.”This is the ultimate act of giving—motivated not by our merit but by His love. Romans 5:8 echoes the same truth:“God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”God didn't give to get. He gave because He loves. And when we receive that love, it transforms how we view giving—not as a transaction but as a response.Giving as a Response to GraceLet's be honest: Giving can feel risky. You might wonder, “What if I give too much and don't have enough left?” But the Bible reassures us that God provides for those who give in faith.2 Corinthians 9:8 says:“God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.”This isn't a promise of earthly riches. It's a promise of sufficiency—that God gives enough so we can keep participating in His work.We don't give to earn God's favor. We already have that through Jesus. That's grace—unearned, undeserved, freely given. And grace leads to gratitude. It turns our hearts outward.Giving Isn't About GettingSome teach that generosity leads to material blessings. And yes, God sometimes blesses financially so that we can continue giving. But that's not the goal. Author Steve Johnson puts it well:“We are not to give to get earthly reward, expecting God to always give us back in this life what we invest in the Kingdom. Instead, seek the heavenly reward of God Himself.”That's the real treasure: not stuff, but the Giver Himself. Generosity deepens our trust in God and draws us closer to His heart. King David got it. When he led the Israelites in giving toward the Temple's construction, he didn't boast. Instead, he prayed:“But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” - 1 Chronicles 29:14David knew the truth: everything we have belongs to God. Giving isn't really “ours”—it's just returning what He already gave us. That changes how we see money, generosity, and even success.Imitating the Ultimate GiverWhen we say “You can't out-give God,” we're not making a challenge. We're affirming a truth. James 1:17 reminds us:“Every good and perfect gift is from above, coming down from the Father…”Our generosity isn't about competition—it's about imitation. Ephesians 5:1 calls us to “be imitators of God, as beloved children.” That includes imitating His generosity. As we grow in faith, we become more like Jesus, who gave everything. Galatians 2:20 says:“I have been crucified with Christ and I no longer live, but Christ lives in me…”That changes our priorities. Our trust deepens. Giving becomes an act of worship, not obligation.You may not feel like a generous person today, but don't be discouraged. God is patient. His Spirit is working in you. 2 Peter 3:18 urges us to:“Grow in the grace and knowledge of our Lord and Savior Jesus Christ.”That growth includes learning to trust Him more and give more freely. And when we give in Jesus' name, we don't just meet needs—we reflect His love.Here's the beautiful part: We don't give because we have to. We give because we get to. We participate in what God is doing in the world. And in the process, we experience the joy of knowing Him more deeply.So no, we'll never out-give God. But we don't need to. We simply follow His lead, walk in His love, and let His generosity flow through us.On Today's Program, Rob Answers Listener Questions:I have a mortgage with a balance of $29,000, and I was wondering if it is okay to pay that off.I have an IRA with Fidelity, and they suggested to me about taking an insurance deposit. I can take up to 250 grand and put it into something for three years.I have two credit cards - one for $1,372 at 22.5% interest and another for $3,632 at 0% interest until July. I have $1,500 to pay off debt. Which card should I pay off?I have a term insurance policy that will mature in August. I keep seeing advertisements where you can sell insurance policies, and I want to know if this would create a taxable situation or if it's even ethical.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineGainbridge AnnuitiesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Most people would say their most important relationships are with their spouse, children, or close friends. These connections are deeply meaningful and essential. But there's one relationship that surpasses them all—your relationship with God.You might be wondering, What does my relationship with God have to do with money? That's a fair question—and the answer is, quite a lot.While human relationships are a gift from the Lord, none carry more eternal weight than our relationship with Him. God invites us into close fellowship, and how we manage what He's given us is part of that journey.The Bible provides three foundational truths to help us understand the significance of this relationship, especially when it comes to money.1. God Owns EverythingColossians 1:16 says,“For by him all things were created, in heaven and on earth, visible and invisible... all things were created through him and for him.”God is the Creator and Owner of everything, including your money, time, possessions, and even your abilities.2. God Entrusts Us With His Resources1 Peter 4:10 tells us,“Each of you should use whatever gift you have received to serve others, as faithful stewards of God's grace…”We don't own anything outright. God entrusts us with resources so we can steward them faithfully and generously.3. God Desires a Close Relationship with YouJames 4:8 says,“Draw near to God, and he will draw near to you.”God is not distant. He wants a daily, personal relationship with you—one in which trust, dependence, and obedience shape every area of your life, including your finances.Money Is a Spiritual MatterThe Bible contains over 2,300 verses about money and possessions. Why so many? Because how we handle money reflects the condition of our hearts.As our friend Howard Dayton has said, managing money according to God's wisdom deepens our fellowship with Christ. Jesus called this kind of relationship “true riches.”Luke 16:11 says,“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?”When we manage money well—not to earn God's favor but as an act of worship—we reveal a heart that trusts Him.Heart Check: What's Standing in the Way?Sometimes, obstacles get in the way of this kind of faithful stewardship. They usually fall into two categories:1. Financial NeglectThis is unintentional. Life gets busy, and organizing your finances can feel overwhelming or unimportant. But ignoring your money can lead to stress, disorganization, and missed opportunities to serve and give.A practical step: Download the FaithFi app. It offers three easy ways to set up a spending plan and track your money. It's a simple tool to help you begin stewarding faithfully.2. Financial IdolatryThis is more subtle. You may be diligent in budgeting, saving, or investing, but you still hold your money tightly, unwilling to surrender it to God.Jesus said in Matthew 6:24,“No one can serve two masters... You cannot serve God and money.”Money can become a rival to God's rightful place in our hearts. We may hesitate to give generously or support Kingdom work—even though God is calling us to trust Him more deeply.Are You Missing Out on “True Riches”?Some assume that financial choices don't affect their spiritual lives, but that's not what Scripture teaches. If you're not following biblical principles in handling money, what peace or spiritual growth might you be missing?Ask yourself:Do I trust God with my finances?Am I generous with what He's given me?Is my financial life aligned with His Word?If any of this resonates with you, don't wait. Commit your finances to the Lord in prayer, and then follow through by managing them according to biblical wisdom.Start with the FaithFi app—not just to budget but to renew your perspective. It connects you to trusted Christian financial content and helps you integrate your faith with every financial decision you make.True riches aren't found in net worth or material success. They're found in knowing Christ and faithfully stewarding what He's entrusted to you—for His glory.On Today's Program, Rob Answers Listener Questions:I have a $220,000 CD earning 0.6% interest and a loan that will increase from 2.9% to 4.4-6%. Should I use the CD to pay off the loan completely or partially?Is it better to make a direct cash contribution of $5,000 to an organization or set up an endowment that would provide them with a few hundred dollars annually?I'm a retired military veteran with an annual income of $117,000 from military retirement, VA disability, Social Security, and state retirement. I want to ensure my wife is financially secure if she outlives me. Should we increase her 401(k) contributions or use another investment mechanism?My property taxes and mortgage payments have skyrocketed, making my monthly payments unaffordable. What are my options for dealing with these increases?I have $2,500 extra and want to pay down credit card debt totaling $5,000. I have three cards: one for $200, another for $1,000, and a third for $2,700. Should I pay off the smaller cards first and then focus on the $2,700 card?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.”Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. Today, Ron Blue joins us to discuss the Uniqueness Principle and how it can guide parents in passing down wealth effectively.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives.The Uniqueness Principle: Equal Love, Unique TreatmentProbably every parent of more than one child has asked, “How can children coming from the same two parents, with the same gene pool, living in the same environment, with the same stimuli…be so different?” Of course, we all know that estate planning can be challenging, and we understand the desire to be fair. However, the answer lies in what Ron Blue calls the Uniqueness Principle: Love your children equally, but treat them uniquely.If we think about how God treats us, He loves us all equally and treats us uniquely. In other words, God doesn't give everyone the same gifts, challenges, or circumstances—and maybe we shouldn't either when planning our estates.One child may have greater needs, and another may be wiser in handling money. Those realities need to be part of the decision-making process for transferring wealth. Each of my children is different financially, emotionally, and spiritually. Over the years, Ron and his wife, Judy, have allocated varying amounts to each of them, taking into account their individual needs and life circumstances. Good stewardship means recognizing these differences and allocating resources accordingly.Fairness vs. Favoritism: Learning from ScriptureMany parents worry about resentment among their children if they don't divide assets evenly. The best way to handle this is through clear communication. Open and honest conversations while you're alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity.As parents, we need to work diligently to avoid favoritism. Rightfully so, as favoritism has caused much pain and divisiveness in families for thousands of years. Look at the story of Joseph in the Old Testament. The Bible says that his father, Jacob, "loved Joseph more than any of his other sons" (Genesis 37:3). Jacob later gave Joseph a richly ornamented coat of many colors. Although Jacob had unique treatment toward Joseph, Jacob violated the Uniqueness Principle. Jacob did not love his sons equally. Equal love often requires unique treatment. As stewards of God's resources, we are called to manage them wisely, ensuring that our decisions reflect both love and responsibility.The Three Questions That Changed EverythingThat said, we aren't saying that it is better to leave different amounts to children. Instead, following a systematic process is the key to wise decisions. When making wealth transfer plans, Ron encourages parents to ask themselves three key questions:It's helpful to ask yourself three questions:What is the worst (or best) thing that can happen if I transfer wealth to this child?How serious is it? How likely is it to occur? The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that's not the objective of these questions. The goal is to guide you toward a well-thought-out decision.Ultimately, wealth transfer should reflect God's wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered.So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God's wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible.On Today's Program, Rob Answers Listener Questions:How do I restructure my finances since I was terminated from my position and am no longer working?I have $700,000 and want to invest in a variable annuity with a 20% buffer. Is this a good idea?I received correspondence requesting a vote to approve the reorganization and merger of my mutual fund shares into a new account. How do I evaluate what factors to consider when making this vote?How do we balance stewarding our money well and living radically generously?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“And he died for all, that those who live might no longer live for themselves but for him who for their sake died and was raised.” - 2 Corinthians 5:15.Most of us view our income as God's primary way of providing for us—and then, almost as an afterthought, we consider giving. But what if Scripture teaches the opposite? Paul David Tripp is here to flip our theology of money upside down.Paul David Tripp is the president of Paul Tripp Ministries, a pastor, best-selling author, and international conference speaker with a heart for connecting the transforming power of Jesus Christ to everyday life. He has written over thirty books and resources on Christian living, including Redeeming Money: How God Reveals and Reorients Our Hearts.Why We Struggle to Be GenerousSin causes us to live with an obsessive self-focus, and money often becomes the most obvious place that focus shows up. We think first about what we need, want, and what dreams money can buy…and only then might we consider being generous with it.We need to recognize the tension between what God intends for our money, what we say we believe about Him, and how we actually live that out through our bank accounts.”Reversing the Order: What If Generosity Came First?Here's the big idea that flips our theology of money on its head:Most of us view our income as God's primary way of providing for us—and then, as a sort of afterthought, He also calls us to give. But what if Scripture actually teaches the opposite?What if God's primary purpose for money is that we would be participants in His generosity story? And then, almost as an afterthought, He uses it to meet our daily needs?”This idea is rooted in Jesus' words in Matthew 6:19–34, the “Treasures in Heaven” section of the Sermon on the Mount. Jesus teaches that financial peace begins not with budget-savvy spreadsheets but with trust: You have a heavenly Father who knows what you need and promises to provide.Here are just a few of those promises:Philippians 4:19—“And my God will supply every need of yours according to his riches in glory in Christ Jesus.”Matthew 6:31–32—“Do not be anxious… your heavenly Father knows that you need [these things].”Luke 12:24—“Consider the ravens…yet God feeds them. Of how much more value are you than the birds!”If God has taken the burden of provision off our shoulders and onto His, then we're free to have a bigger, more beautiful vision for our money.A Transformed Purpose: From Getting to GivingWhen we understand that provision is God's job and generosity is our calling, we begin to see money differently. Paul highlights Ephesians 4:28 to illustrate this:"Let the thief no longer steal, but rather let him labor, doing honest work with his own hands, so that he may have something to share with anyone in need."Here's what's striking: The passage doesn't say, “so he can legally provide for himself.” The focus shifts from self-centered stealing to God-honoring generosity. It's not just a change in behavior—it's a complete transformation of the heart.God's grace reorders our motives. Without this grace, our pursuit of money will always drift toward self. And we'll try to squeeze God into the leftovers.More Than Mechanics: Recovering the Bigger PicturePaul also notes that many Christians get stuck in the mechanics of money:How do I get out of debt?How much should I give?Will I have enough for retirement?These are good and necessary questions, but if we focus only on them, we miss the greater story.Instead of starting with ourselves and hoping something is left for God, Scripture invites us to flip that approach. We're called to live as God's generous ambassadors on earth, using our money as an act of worship, love, and service.It's not about ignoring bills or forsaking grocery runs—it's about reordering our hearts.Freedom Through GenerosityMay God, in His faithful grace, continue to liberate us from our bondage to ourselves. He will liberate our wallets from their bondage to self-focus as He does.This isn't just about giving more—it's about being more like Jesus.When we align our theology of money with God's Word, we stop clinging to what we have and start participating in what He's doing. And in that act of radical generosity, we discover true financial freedom—not because we have more, but because we need less. God is enough.On Today's Program, Rob Answers Listener Questions:I have $36,000 in student loans with different balances and interest rates. I'm paying off the higher interest rate loans, but I heard I should pay the smallest balance first. Should I change my strategy?We're moving IRA money to a Roth, and our CPA suggests using a charitable gift account to pay for our tithe. I'm uncomfortable with this, feeling like we shouldn't use funds that gave us a tax benefit for our tithe. Is this okay?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippPaul Tripp MinistriesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

  Welcome to Hope for the Caregiver here on American Family Radio. This is Peter Rosenberger and I will be your host today through all things caregiver related. I've been a caregiver so long that the hospital Wi-Fi connects automatically. You know you've been a caregiver a long time when you call 911 and they say, Hey Peter, that's my life. I've been a caregiver so long my idea of vacation is waiting in the car during surgery. And even Siri whispers to me, bless your heart. We are still in Denver, in the hospital. And Gracie now has to go back into surgery on Monday or Tuesday. This left leg just does not want to heal up. This will be her 93rd and her 6th during this particular 10-week stretch we pulled. So yeah, I know a little bit about the journey. And I've learned a few things. I'm going to give you some practical things right now. Okay? Just some practical. We're going to get into some heavy stuff later on in the program. But I've got some practical things. One of them is when you're in an elevator. A couple of points in an elevator. For elevator etiquette. And it's not what you think. But it's... I always let ladies exit and enter the elevator before me. I hold the door and make sure they go in properly. I told one guy, there was a bunch of them, and this guy tried to go in. I said, no, you wait for me. I was raised in the South. I'll help the ladies, but I'm not going to help you. You're a grown man. I actually told him that on the elevator. I mean, I've spent a lot of time in the hospital. So these are things I observed. But a lot of people will line up in front of the elevator on the bottom floor. Now, why is that problematic? Why? Well, I'll tell you why. Because there are people going to be getting off that elevator, and they can't get off if there's some yahoo standing right in front of them. And I'm like, has it not occurred to you maybe to wait over to the side? Another thing is, don't be on speakerphone and having a conversation while on the elevator. I understand being on the phone. I'm often on Bluetooth, giving updates and so forth. But when I get on the elevator, I will tell whoever I'm talking to, I'm getting ready to get on the elevator. You keep talking, I'll listen. I got a buddy of mine I was talking to back in Montana. And I said, all right, I'm getting on the elevator. You talk, I'll listen. So he started asking me questions. And I'm like, you didn't understand the point. The point is, I'm getting on the elevator. I'm not going to talk. You talk, I'll listen. Well, what do you want me to talk about? Oh, for heaven's sakes. And so I just kind of, you know, but that's another thing. People get on the elevator and they got speakerphone going. And I'm like, I jump into the conversation sometimes, you know, figured it's there. It's a public conversation now. And then here's something else. And I'm not faulting you for this, but be aware that Be aware of a few things when you're walking into a hospital, into a corridor. Number one is if you're going around corners, drive in the right lane. Okay? Drive in the right lane. We're not in Great Britain. We're in America. Drive in the right lane. So hug the wall on your right side. So when you go around a corner, you're not doing like in NASCAR when you're getting way down low there. You got to go up a little high and come around because there's somebody else coming around that corner and they're driving in their right lane. I have been involved in many near collisions because people were hugging the left corner. Now, that may sound stupid to you, but you spend 10 weeks in a hospital, and then you come back and tell me what you think, okay? And this ain't my first 10 weeks in the hospital with Gracie. So these are things I observed that people are, this is a very big hospital, a lot of people, and everybody's busy, and I understand that. Here's another little tidbit. Situational awareness is everything. Be aware of how you are in space and in time as you're moving in and out of this labyrinth of of a place there where a lot of people are. People are very busy. This is, again, a teaching hospital. So it's very busy. It's always going 24-7. And you have to be aware of where you are in space and in time. Not just, you know... ambling along. I was on the elevator with two women, and they were older women, but not that old. Well, now that I think about it, they're probably younger than me, which, now that's just kind of sad, isn't it? They looked older, but I realized they're probably younger than me. Okay, well, all right, let me just go and cry over that one in the pantry. But Regardless, they were on the elevator and one of them had a walker and they were very nicely dressed. They were very pleasant ladies. And I held the door and they started walking. Well, I was in a bit of a hurry. And these two women, one of them was rather large. I mean, she wasn't gargantuan, but she's a big woman. And the other one was a bit hefty as well. And she had a walker, but a little, not a walker, but one of those things with wheels on it. You know what I'm talking about. And she would sit down and into the elevator and then get up and start moving. That's fine. I live with somebody with mobility impairments. I understand it. But I am always aware of Gracie and me in time and space. Always. When I'm walking anywhere with her, I'm aware of who's behind me, who's in front of me, who's to my left. I'm always aware of things like that. That's just the way I kind of Some of it's my martial arts training, check your six, always look around, head on a swivel. I get that. Some of it's just common courtesy and some of it is just, I just don't want somebody to run into me or me run into someone else. And these two women were ambling along for a little afternoon stroll. But they took up the entire corridor. You couldn't get around them. It was just not a space where I could. And they walked wide, and they were wide. And it wasn't just because of the one with the mobility device. It was just because they were big and clueless. And they went along at their stroll, and I had to go with their pace behind them. And I was in a bit of a hurry. I was like... You know, do you have to take up the entire hallway? You know, because there's always little carts or something on the side of the thing, and you can't easily pass in certain places. And, you know, crash carts and things such as that scattered around the corridor there. So it was like... And you say, you know, Peter, you're being petty. Well, yes, I am. But I've been here for 10 weeks, and I've just, you know... Move it, people. That's what I'm talking about. Thank you for that. That's what it feels like. I'm telling you, that's what it feels like. Move it, people. There's nothing like being in a hospital for a lengthy period of time to... force you into a different kind of, I don't know. But I never cease to be amazed on how people amble and stroll and mosey in a place where there's a high traffic area. And it's a bit jarring because I'm moving quickly. And I'm not just sitting there with Gracie all day long doing nothing. I mean, oh, I think I'll stretch my legs and go down to the cafeteria. I'm working. I have to work all the time. I mean, I don't have to work all the time, but I have to work I can't put my life on hold for 10 weeks. And I've written, by the way, I've written quite a bit here, 40,000 plus words since I've been here. Five published articles and I finished a new book that's going to be out next year. Got one coming out this summer and we'll talk about that. And then I've got a new book that'll be out next year that I think you're going to really like. But I've been working and then I've gotten shipments over to Africa and so forth. I mean, I work. And then I'm looking after her. I'm back and forth to the hospital frequently. I come to do this radio program. I do a live show on Wednesdays. And that's one of the reasons I went in a hurry that day because I had to get back over to the hotel across the street where I do a live show on Wednesday afternoons. And so I was, you know, wanting these women to move a little faster or at least move over, you know, just same thing as being on a highway. You don't go on the interstate at 30 miles an hour. And they just, you know, were clueless. I mean, truly clueless. And I see this a lot in the hospital. If you have to go into the hospital for an extended period of time, be aware that you're going to see high traffic areas and stay to the right. And don't stand right in front of an elevator blocking it so people on the elevator can't get off. You're not getting on unless they get off. And so give them space to maneuver. My father used to always say that. He said, keep moving forward, but give space to maneuver. That was one of his trademark lines. And he was such a student of observing people and their behaviors that he would probably chuckle at this. I don't know if you are, but I'm sorry. I just had to take this moment to vent out because I'm tired of running into people by the elevators and through the hallways of this hospital. Listen, we got more to go. This is Peter Rosenberger, Hope for the Caregiver, hopeforthecaregiver.com. We'll be right back. Thank you. Welcome back to Hope for the Caregiver. I am Peter Rosenberger, PeterRosenberger.com. PeterRosenberger.com. If you want to explore more of what I put out there for you as a family caregiver, I hope you'll take advantage of it. Right up at the top of the page, you say, check out Peter's Substack page. Well, what does that mean? Well, Substack is an online newsletter. And there are lots of different things that I put out there. You can put video and audio and print and so forth, and that's what I do. And On this page, my latest post is, what do you think? It's called What Do You Think? And it's from my book, A Minute for Caregivers, When Every Day Feels Like Monday. And I post these out every Monday. So if you go out today and subscribe to this, you'll get a missive on Monday to tell you about a new one. But right now, you can go out and read this today, look at it, and there's some other things out there. Some of it's behind a paywall, and you have to subscribe for that if that's your choice you want to do. But this I put out every Monday for free. And this is one I think that would connect deeply with you as a caregiver. I'll give you a bit of a preview of this, okay? And the concept behind it. That's the special bonus that you're going to get today on this program. Like I said, I've been here for a long time. I've devolved into elevator etiquette for a conversation topic. I mean, you get a little bit loopy here when you have these kinds of lengthy hospital stays. But I have often and embarrassingly inserted my opinion during Gracie's long medical journey. I know you're saying to yourself, no, Peter, that couldn't happen. You wouldn't give your opinion. You would be quiet and demure and genteel, and you would be a wallflower. I know you might think that. That may be your first inclination to go there, but... Let me dispel you of that and tell you that I have done this and I don't recall being frequently asked for my opinion, particularly by surgeons. Yet, as the team was observing Gracie's response during the recovery process of one of her surgeries, the lead surgeon looked at me and said, what do you think? All right, now think through that for just a moment. This guy is a serious surgeon, not a lightweight. You don't serve in this particular hospital, this teaching hospital. You don't serve in this capacity as a teacher, as the attending, unless you've got some real game to you. Let me just add, I don't let you work on my wife unless you have some real game to you. Okay? We're pretty hard on docs and surgeons. I had a resident tell me that, you know, I've never seen this before. They were looking at some stuff with Gracie and said, we've never seen this before. I looked at this surgeon and I said, you know, the first time I heard that from a surgeon, Ronald Reagan was president. And they couldn't believe it. I mean, they were stung it. They really don't know how to wrap their mind around that. So anyway, this surgeon looked at me, and he's not a lightweight surgeon. What do you think? Well, you know, four decades of living with Gracie, I understand nuances about her that no medical professional could ever hope to know. They don't have the kind of time to be brought up to speed on Gracie. I have a PhD in Gracie. And it came from the School of Hard Knocks. Most of them, she's knocked on my head. And I hear an amen from Gleason, Tennessee, where Betsy has just said amen. She listens to this program and she's saying amen. I've known Betsy and her husband Tommy for a very, very long time. They've known me since I was 14 or 15 years old. But anyway, the School of Hard Knocks, that's it. A lengthy list of unpleasant events, and I'm saying that with a great deal of diplomacy, has taught me and continues to teach me the value of keeping my opinion to myself and only sharing what I've witnessed and experienced to the best of my abilities. Now, sometimes it gets the best of me, I admit. But I try to stay with my experience. and what I've observed. So when the surgeon graciously sought my thoughts, I stayed on message. I shared what I've observed of my wife and her challenges and avoided speculating. Here's what I've observed. One of the things I've observed that post-operatively, when something can go wrong with a patient, it usually will go wrong with Gracie. That's what I've observed. And I went on to share with him some other things i've observed about her lengthy history nodding with understanding he ordered a few additional tests evidently in part based upon my response and he continued looking for solutions now as a caregiver i'm learning to stay in my lane i really am i don't Don't jump to conclusions that I'm not, even though I went on the whole elevator diatribe at the last block. I'm learning to stay in my lane while speaking with calm authority about what I know. recognizing that my experience is far worthier than my opinion. And I put a quote on there from Kurt Cobain. You may not know who he is. He's a particularly sad, tragic figure who was the lead singer, guitarist, songwriter for Nirvana, a very troubled young man who took his life when he was 27. He had been just a very sad, troubled man, but he was a very deep thinker. And he wrote something once that said, we have no right to express an opinion until we know all of the answers. And again, he was an extremely troubled young man. who sadly took his life. Many attempts tried to take his life before, dealt with drugs and so forth. But in the middle of his distress, he had such profound things that he said, the way he approached things. And I love that quote, we have no right to express an opinion until we know all the answers. And I think of my own life and how many times I have shot my mouth off with an opinion and I didn't even know what I was talking about. And I go back to what I said with this doctor. In my experience, this is what I've seen. This is what I've witnessed. This is what I've observed. And I thought that may be helpful to some of you as caregivers when dealing with your physicians and the medical providers treating your loved one or in general with anyone. Here's what I've witnessed. Here's what I've seen. Because your experience is unimpeachable. It's yours. You've experienced this. Your eyewitness is unimpeachable. This is what you saw. This is what you have encountered. And if you stay in that place, you're not going to get off into the weirdness of opinion. And I also think about that with our Christian faith. How many of us give our opinion versus, here's my experience. That's why I love going back to some of these hymns who have said it so beautifully, O God, our help in ages past. our hope for years to come, our shelter from the stormy blast and our eternal home. Well, that's saying, look, here's our experience. This is what we've seen, what he's done. You know, look at 1 Samuel 7, 12. Then Samuel took a stone and set it up between Mitzvah and Shem and called its name Ebenezer. For he said, thus far the Lord has helped us. And the word Ebenezer means stone of help. Do you know the only hymn that uses the word Ebenezer? It's from Come Thou Fount of Every Blessing. Here I raise my Ebenezer, hither by thy help I come, and I hope by thy good pleasure safely to arrive at home. Come Thou Fount of Every Blessing. It's such a great hymn. Sadly, the writer of that hymn, struggled with his faith. Even though he had that great line, bind my wandering heart to thee, prone to wonder, Lord, I feel it. And he struggled, I think, all of his life, or certainly later on in his life, and struggled with his faith. But at that time, he wrote that. Again, sometimes some of the best things can come from people who are struggling mightily with stuff. like Kurt Cobain or like the author of this hymn. His name was Robert Robertson. He wrote that hymn back in 1758. He was just a kid. He was just 22. Kurt Cobain was 27 when he killed himself. And I don't know if Robert Robertson ever... was able to resolve some of those issues in his life that he struggled with as he grew older, and he supposedly left the faith. I don't know. I have no idea. Somebody who knows more about him can maybe let me know. But he wrote this hymn, and it was a powerful hymn, and it's been sung all over the world. Here I raise my Ebenezer. Hither by thy help I've come. So far, thus far, the Lord has. This is my experience. You know, look at Revelation. They overcame by the blood of the Lamb and the word of their opinion. No, that's not what it says. It says they overcame by the blood of the Lamb and the word of their testimony, their experience. When I listen to preachers, one of the things I listen for is their experience. I'm not interested in really your opinion. Show me what the text says. Show me how you've seen this in your life or in others, what you've observed. And anchor me in this text. I'm not interested in your opinion that much. What I am interested in is understanding Scripture on an experiential level, to see these things fleshed out. And so when I talked to that surgeon, I said, look, in my experience, this is what I've watched with Gracie. I've seen this. I am testifying to this. And that was enough for this surgeon to use that in a protocol because it's firsthand experiential. That's the thing about our faith. We're not asked to take a leap of faith into the dark. We're invited by Scripture, asked, commanded by, to anchor our faith in the light. And this is the experience. I look at John, the Apostle John, when he's talking about Jesus being crucified. He said, I've witnessed this. Look at John 1935. He who saw it has borne witness. His testimony is true. And he knows that he is telling the truth that you may also believe. It's almost like John, and I don't know, if you're a theologian or scholar, you could tell me, but it's almost like he is saying this as an affidavit in court. Like, do you swear to tell the truth, the whole truth, and nothing but the truth? And he's saying, if you go back and look at the message, sometimes it helps me to understand it if you go back and look at different translations and paraphrases. In the message, it says, "...the eyewitness to these things has presented an accurate report. He saw it himself and is telling the truth so that you also will believe." I gave a firsthand account of credible witness to my wife's medical journey. The surgeon acted on that and made some changes in this. The Apostle John, the prophet Samuel, gave credible witness to what God has done. John gave witness to that. This is what happened to Jesus on the cross so that we will also believe. That's not stepping into the dark. That's acting on the light. And that is hope for the caregiver. This is Peter Rosenberger, PeterRosenberger.com. We'll be right back. Peter Rosenberger. He's not a preacher, but he's got great hair. Welcome back to Hope for the Caregiver. I am Peter Rosenberg. Glad to be with you today. And you know what? You may have just turned this show on midstream. You might be right here in the middle of the show. And you've been up all night having a conversation with the ceiling fan. And you wake up and you hear a program that's for family caregivers of all things. And you think, where has such a program been? Well, it's been right here. But I'm glad you're here with us now. And I've been doing this for 14 years. I've been on American Family Radio now for seven years. And I understand how difficult this journey is. I really do. And I understand what brings me comfort. And I ask you, think about that for just a moment. Most of you know my story. And if you're brand new to the audience and you're just coming in halfway through the show, that's okay. Four decades later. And on Monday or Tuesday, my wife will have her 93rd surgery. Car wreck back in 1983. Now think through the lengthy amount of time this is. How many hospitalizations? We've been here for this particular stretch for 10 weeks. Doesn't show, I don't know when we're going home. But we can't go home until this is done. And I understand how difficult this journey is. So what brings me comfort? What brings Gracie comfort in this? Is it anesthesia? Is it painkillers? Well, it helps ease her pain. But is that what brings her comfort? Is that what brings me comfort? What brings me comfort? I mean, think about it. I mean, I'm working out of a hotel room across the street in not the best part of town in Aurora, Colorado. I'd like to be at home. I could have been out on the snowmobile. and enjoying a beautiful Montana winter. Instead, I'm over here in a hotel, and sometimes I know the other night I had ramen noodle soup. I was tired. I didn't feel like going anywhere, so I just had ramen soup. I remember I was staying at a hotel down the road here. There's several hotels across the street, but now I've camped out at this one. I've been here now multiple times. We've been out here, and this is where I'm going to be permanently, but I don't think we're going to have to come back for another stretch. But I was staying at one down the road, and they got it messed up. This was some years ago. And they got it messed up in our room. But I was in the middle of Gracie's surgery, and I didn't do anything about it until about a week or two after she'd kind of stabilized. And I was checking out one. I mean, I was at the counter, and they had a little, you know how hotels do, they have a little place where you can buy overpriced items. And they had some soup. And I just, you know, it goes back to my college days, some ramen soup. And I had there on the counter my dinner that night because I was tired and I didn't feel like going anywhere. And I paid overpriced ramen soup, you know, and you know how much that stuff costs. But I mentioned the night manager. I said, look, I'm just now getting back with you. But when we got here, they were supposed to have this kind of room for my wife. They didn't have it. They really kind of messed it up and it was very difficult. And I just want to bring that to your attention. And she saw my soup on the counter there and she said, oh, I'm so sorry. Here, take that on us. It's the least we could do. And I used a great deal of restraint. You have no idea the torque involved in this. And I almost said, but I didn't say, it's ramen soup. There ain't no leaster. Of course, it's the least you could do. But she was very sincere, and I let it slide. Eventually, I talked to the daytime manager, and they worked out the problem and got it all squared away. So, you know, this is the way I'm living here. And Gracie's not certainly enjoying where she is. I mean, she's had now, this will be her sixth surgery in this 10-week stretch here. This leg just doesn't want to heal. And they have to go in there and redo something even different now. And so here we are. But we can't leave. This is for all the marbles. If we get this right, she has a better quality of life. If we get it wrong, she's in pretty dire circumstances for the rest of her life on earth. And so I get the journey. What brings me comfort? What has settled my heart down? What has given me the ability to focus and be clear-headed during this? And that is thinking on the things of God. Not abstractly. I'm talking about up close and personal, really contemplating these things. I've been studying. I've been going through the book of John while I'm here. And I am resolved to these things because I know that there's a greater work going on. And that I go back to what I've been saying over the last couple of weeks here with the Heidelberg Catechism. What is my only comfort in life and in death? And that is I belong to Christ. And in this world, he will see fit to allow us to go through very painful things, sometimes horrific things. I don't know why. I'm not really all that excited about it. I don't like it. But I am so committed to this because I see that he has saved me from something far worse. And I belong in his service. And that this is where he's asked us to go. And this is what Gracie said when I was praying for her. I mentioned this two weeks ago before her 91st surgery. And I was like, Lord, this is too many. Gracie said, no, it's not. This is how many he thinks is necessary. And we're going to do what he has led us to do. And I know that, I think it was Karl Marx or Stalin or somebody, one of those guys, who said that religion is the opioid for the masses, right? I can't say that I disagree with that. But I'm not talking about religion. I'm talking about theology. Understanding and knowing, discovering, learning about God. Religion is man's attempt to do these things. Theology is studying what God has already shown us in His Word. That we can know Him. And I've said this before on this program, but I had a caller call in to the Wednesday live show that I do and asked, is suffering required in order to grow in our Christianity? And my answer was, suffering is required to be a human being. In this world, we're going to have it. I mean, it's part of the condition. And you can live your whole life without being afflicted by trauma or disease of any magnitude, not even approaching anywhere near where Gracie is. But you're still going to die. Your body's going to get old and die. Unless Christ returns, none of us are getting out of this thing alive. That's just part of the human condition. It's how we trust God in those things. That's where the difference is. And I go back to this surgical event that we're dealing with here in our life right now. Now, these surgeons that I've been working with here, and they're wonderful men. I've worked with them now for some time, and I've gotten to know them a little bit, but I don't know them all that well. I don't know, for example, her attending surgeons, wife and kids and all those kinds of things. I really don't know a lot of his background. I know where he's from, but that's pretty much about it. But this man, who I barely know, will take my wife into a room with a bunch of strangers who I do not know, and they will do ghastly things to her body with ghastly tools that I wouldn't want to even touch. And then when he comes out, I'll thank him. And Gracie does too. She took his hand one time. Thank you. How often do we do that to people who wear white lab coats or surgical scrubs? Thank you, doctor. Thank you, doctor. And we treat them with reverence and respect, and we barely know them. We don't know where their doctrinal stances are. We don't know what they believe, why they believe it. We don't know those things. We just know that they've been certified to do such and such by the governing authorities of the state and the medical licensing board, and this hospital has vetted them, and the teaching university they went to has properly instructed them. And we take that on faith, even though we've never looked at their transcripts. we've never looked at their grades we don't know anything about them but we will let them go in there and do things to our loved ones and we will thank them for it how much more can we approach the king of kings and lord of lords when he does these things how much more skilled is he and we can know him he has made it possible that's what theology is he's laid it all out this is who i am Now, we will never know Him absolutely because we're not infinite beings like He is. But we can know Him truly. He's immutable. His loving kindness never fails. His grace, His mercy, His wisdom, His justice, His wrath, all of those things laid out. Corrie Ten Boone once said, don't be afraid to trust an unknown future to a known God. What brings us comfort is that I am not trusting Gracie to a bunch of people in medical gear that I don't know. I'm trusting her to the one I do know. You're going to hear me do this probably for the rest of the time I have a program. But I love to quote my father. And mom told me this story about him one time. And I've seen this in his life. And I have so many great, wonderful memories of things that he has said and imparted to us. But she was struggling with something young into their marriage. And I don't know how young it was, mom. Mom listens every week. I don't know how young you were, but it was some time ago. And she kind of popped off. How do you know that? because dad was sharing something from scripture with her she said well how do you know this and dad responded very calmly because i know god because i know god what gives me comfort i know god he's told me who he is and i take him at his word And that's what strengthens me. That's what equips me. That's what settles me down. I can produce a lengthy line of people, some of them in this audience, who have known me for a very long time and would say, yeah, that ain't Peter. That's evidence of the redemptive work of Christ in Peter's life because that ain't him. We know Peter. We've seen his work. And that's not me. And thanks be to God, it isn't me. It doesn't have to be you either. We don't have to be reactive all the time. We are invited by Scripture to cast all our cares on Him. We're invited to walk in His statutes, to trust Him, to take Him in His Word. And He gives us all the evidence that we need of said step of faith. And like I said in the last block, we're not stepping by faith into the dark. We're stepping by faith into the light. The credible testimony of others who have observed this, who have walked this, like John himself said in the Gospel of John, I saw it. I was there. Like I said to that surgeon, here's what I've seen. And so when I look at people like my father and like so many who said, here's what I have observed. Here's what I know. Here's what I've experienced. That is what comforts and strengthens me and equips me and fortifies me. And then I could take that into Gracie's hospital room and offer her the same comfort that I myself have received from the God of all comfort. And you know what that is? That is hope for this caregiver. This is Peter Rosenberger. We'll be right back. Welcome back to Hope for the Caregiver. This is Peter Rosenberger. Do you know what that hymn is? That hymn is called Abide With Me. And it's from my CD, Songs for the Caregiver. I've always loved this hymn. This is my mother's favorite hymn. And I've played this countless times. You can see this, like I said, on my CD, Psalms for the Caregiver. You can download the whole thing wherever digital music is streamed, or you can call Logos Bookstore in Nashville, Tennessee and get a copy of it. They're the only ones that care. It's all out at my website, PeterRosenberger.com, but that's not the purpose of me telling you all this. I used to play this hymn and many others in the sanctuary church where we attended in Nashville for many years and My pastor at the time asked me to play on Sunday mornings as people were coming in to help create a more reverent atmosphere for the church. So people would just talk, you know, yabber. They would come in and be more reflective. So I would work out a lot of these hymn arrangements that I did there. And during the week, I would practice this. And I noticed that I wasn't alone in the sanctuary. And at the back, there was a custodian there at the church And he would be putting hymnals back in the racks and sweeping and straightening it up, very much like my father used to do when he was a young man. And I've got a picture of my father when he was working at a church as a custodian. So I had a very special place in my heart for custodians of churches, and this man was no exception. And I would stop and ask him, I'd say, hey, do you want me to play something for you? And he said, no, just keep playing, just keep playing. So I'd play and sometimes I'd practice there for an hour, maybe more. And a beautiful Steinway up at the front of the church. And that's the cover of my CD is me playing in that sanctuary by myself. Except I have one picture of me playing there. It was taken from the choir loft area where I was. And you can make out Mike in the very back there. And that picture hangs on a wall in my parents' home. I gave that to my father and That picture is juxtaposed against the picture of my dad when he was in the sanctuary serving. Now, why am I telling you all this? Well, this week in the news, they released more of the writings from the shooter at the Covenant School there in Nashville. The first victim that she shot and killed was Mike, the custodian who used to listen to me play the piano. Two years ago this week, I went back to Nashville to play at his funeral And I played for him one last time. I look at the horrific things about that event, and it's still surreal. It's hard to believe. Hard to believe it happened. And the unspeakable tragedy with so many. I refuse, and if this gets me in trouble, you can write letters to peter at the internet dot Google. But I refuse to call this individual a transgender or a guy. was a girl it was a woman 28 years old i believe who was very very very disturbed according to the news reports she had been writing horrifically violent plans for some time and i don't know why it wasn't caught i don't know why nobody seemed to intercept this or say something, but I just know that from the facts, she showed up that day, and Mike was the first person in her path, and she shot and killed him. And I think about all the times that Mike said to me, just keep playing, just keep playing. So I do, and I played at his funeral two years ago this week, and I played, the opening hymn was Great Is Our Faithfulness, And I got to tell you all, I laid into it. I didn't hold back. I didn't play it like a mourner. Mike wouldn't have wanted me to. Play it with conviction. Play it like a believer. And he would want me to do so. I said, this time I was in the front of the church in the choir loft area, different sanctuary. But Mike's casket was just, instead of him being at the back of the church sitting there listening, His casket was right there up front, just 10, 15 feet away from me. And these are hard things. We don't have the words for it. We groan. But we're not alone in our groaning. And I just want to leave you with today. I know this is a bit of a somber note for the show, but I wanted to leave this with because I never forget that the reason why people listen to this program is because they're hurting. And the reason why people give me an hour of their time to listen to this is because they feel like they're drowning. And I understand that sometimes the person who understands you the most is the one who's bled like you have. And I have. Still do. Many times in that sanctuary when I was playing, I was pouring out my heart because I didn't have the words for some of the things that Gracie and I were going through. Mike kept saying, just keep playing. Just keep playing. Just keep playing. The Spirit groans on our behalf. Scripture tells us to pray without ceasing. Just keep praying. Just keep praying. when we don't have the words. And that's why I'm grateful for music. I wish I had the caregiver keyboard here at this hotel while we're in this hospital visit, but I don't. So I have to make do. I look forward to being able to getting home and playing the piano some more. Just keep playing. It's a hard thing to read about that in the news. And this is the world we're in. And it's not going to get any better anytime soon. It doesn't look like. But we are not absolved from walking into that craziness and heartache with the confidence of the gospel. And that is what I am committed to doing. I've been writing a song when the shooting occurred. I've been writing a song that had it for about a month or two, but it wasn't finished. I finished it right after the shooting. In fact, I finished it within that evening because I was just so overwhelmed by watching this. And I had Gracie sing it. I titled the piece Covenant Lament. I really didn't know what else to call it. What else can you say? He's just lamenting. And I went to the words of Scripture that helped shape this. This is all Scripture. And I wanted to leave this with you all today. At the end of this program, some of you are groaning. Some of you are weeping. And I want you to know that there's one who weeps for us and groans for us. And we can trust him. Listen to Gracie sing as we take the show out today. And thank you for your time. I'm Peter Rosenberger. And I remember what my friend Mike told me. Keep playing. Just keep playing.

“Where your treasure is, there your heart will be also.” — Matthew 6:21When Jesus said those words, He wasn't just giving us a lesson on giving or saving. He was getting to the root of something much deeper: our hearts.At Faith & Finance, we often say that money touches every part of life, but the most important part is our spiritual life. Our financial decisions, priorities, and fears don't just reflect our budgets—they reflect our beliefs, values, and, ultimately, our worship.Let's explore how our money issues are really heart issues—and what that means for how we live and give.More Than Just a ToolMany people see money as a neutral resource—a tool to earn, spend, save, or give. But Scripture reveals that money has much more influence than we realize. It can:Shape our desiresTest our trustReveal what we truly worshipThat's why issues like debt, greed, anxiety, or even generosity aren't primarily financial—they're spiritual. When we overspend to maintain a lifestyle, is it because our identity is tied to our possessions? When we obsess over savings or investments, is it because we trust our bank account more than we trust God? When we hesitate to give, are we being ruled by fear of not having enough?In this way, money becomes a spiritual thermometer—measuring our faith and showing us where our hearts truly rest.The Rich Young Ruler: A Heart ExposedOne of the clearest biblical examples of this dynamic is the story of the rich young ruler in Mark 10:17–22. Eager to inherit eternal life, this man claimed to have kept all the commandments. But Jesus knew his heart.“Go, sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me.” — Mark 10:21The man walked away, sorrowful. His wealth had a stronger grip on his heart than his desire to follow Jesus. His struggle wasn't with budgeting—it was with idolatry.As John Calvin famously said, “The human heart is an idol factory.” We all have things we cling to—things we're tempted to trust more than God. The rich young ruler's story invites us to ask: What would make us walk away from Jesus?If the answer is money, then our issue isn't financial—it's spiritual.When Money Reveals Fear, Not Just GreedOf course, not everyone struggles with greed. Some struggle with fear. Jesus spoke to this often.In Matthew 6:25–34, Jesus tells us not to worry about food, drink, or clothing. If God cares for the birds of the air and the flowers of the field, how much more will He care for His children?Financial anxiety reveals something crucial: a lack of trust in God's provision. When we believe our well-being depends entirely on our ability to earn, save, or invest, we carry a weight God never intended us to bear.This doesn't mean we shouldn't plan wisely—but it does mean that financial stress often signals a deeper spiritual need to trust God's character and promises.Generosity: A Window Into the SoulIf money is a heart issue, then our generosity—or lack of it—speaks volumes.The early church in Acts was known for radical generosity. Believers sold possessions and shared what they had to meet each other's needs. Why? Because the gospel had transformed their hearts. Their giving flowed not from guilt but from grace.C.S. Lewis once wrote,“Every faculty you have…is given you by God. If you devoted every moment of your whole life exclusively to His service, you could not give Him anything that was not in a sense His own already.”True generosity doesn't come from obligation—it comes from a heart that knows everything belongs to God.So ask yourself: Do I see money as mine to control or God's to steward? Do I give joyfully—or do I give reluctantly, out of fear?Transforming Our Financial HeartsSince money problems are ultimately heart problems, the solution goes beyond budgeting tools and interest rates (as helpful as those are). What we need most is heart transformation.Here are four truths to guide your financial discipleship:1. Recognize That Money Is a Test of TrustDo you really believe God will provide? If not, fear will drive your financial choices more than faith.2. Practice GratitudeDiscontentment fuels anxiety, but gratitude shifts our focus to what God has already given.3. Give GenerouslyGiving breaks the power of money over your heart. It's a spiritual exercise that redirects your trust toward God.4. Seek First the KingdomJesus promised that if we seek God's kingdom first, all these things—our needs—will be provided (Matthew 6:33). Prioritize Him, and let peace replace worry.What Do You Treasure Most?In the end, how we handle money reveals what we treasure. May we be people who treasure Christ above all—because only then will our hearts be truly free.Let's make sure our treasure—and our trust—are in the right place.On Today's Program, Rob Answers Listener Questions:I retired in 2021 with a good income and 401(k), but now I've depleted my debt, and I'm struggling to pay bills. Am I required to pay tithes out of my Social Security income?Our church has outgrown its old, falling-apart building. We need about a million dollars to build a new one. What would be the best financial institution for us to use?I was given $2,000 for my daughter, who is a part-time student. How can I invest this money so it grows? Also, what do you think about Quicken Will? Is it a good app for creating a will, trust, or power of attorney?How can I verify or investigate an investment opportunity where I would invest $10,000 and supposedly get 250% back?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Community Credit UnionTrustandWill.com | Quicken Willmaker & TrustSchwab Intelligent PortfoliosWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“A slack hand causes poverty, but the hand of the diligent makes rich.” — Proverbs 10:4At Faith and Finance, we believe the Bible offers timeless financial wisdom—and sometimes, that wisdom shows up in the form of gentle correction. Let's face it: we all make financial missteps—some intentional, others unintentional. But every mistake is an opportunity to grow in wisdom and stewardship.If you've made some poor decisions with your money, don't let Proverbs 10:4 discourage you. Instead, take heart in Proverbs 19:20:“Listen to advice and accept instruction, that you may gain wisdom in the future.”Let's walk through six money mistakes that can quietly erode your wealth—and how to avoid or correct them with diligence and wisdom.1. Living Paycheck to PaycheckOne of the most common financial traps is spending everything you earn. When there's nothing left over at the end of the month, you're missing an essential part of wise stewardship: saving.The solution? Pay yourself first.Start by setting up an automatic transfer from your checking account to your savings. Even if it's a small amount, consistency is key. Adjust your monthly spending to fit what remains. Yes, it might mean cutting back on things you've grown used to, but almost everyone can trim something from their budget.Aim to save at least 10% of your income. Over time, this will build your financial margin and peace of mind.2. Not Having an Emergency FundWithout savings, every unexpected expense becomes a crisis. And that leads to our next mistake—debt.Once you've begun setting money aside, build your emergency fund. Start with a goal of three months' worth of living expenses and work your way up to six. This financial cushion protects you from having to rely on credit when life throws a curveball.3. Paying Interest on Consumer DebtWithout savings, many people make the costly mistake of using credit cards to cover emergencies.If you carry credit card debt, the biggest mistake you can make is only paying the minimum. Take a close look at your statement—it may show how long it'll take to pay off your balance at the minimum payment. The number might shock you: 15 years or more.Reframe your spending by asking, "What is this really costing me?"A $30 dinner paid with a credit card could cost $60 or more by the time it's paid off. That's not good stewardship.4. Buying a New Car (When You Can't Afford It)There's nothing wrong with buying a new car—if you can pay cash for it. That's the key.Instead of taking on car loans, aim to pay cash for your vehicles, new or used. After you pay off your current car loan, keep making those same “payments”—but to yourself. Put them in a savings account and use that money to purchase your next car.It may take a few vehicles to get there, but eventually, you'll be able to pay cash—and that will be a glorious day.5. Not Opening a Roth IRAEspecially if you're young, not opening a Roth IRA is a missed opportunity for long-term, tax-free growth.Once your emergency fund is in place, consider contributing to a Roth IRA, even if you're already contributing to a 401(k) at work.In 2025, you can contribute up to $7,000 annually to a Roth IRA—or $8,000 if you're age 50 or older. Because you're contributing after-tax dollars, your qualified withdrawals in retirement will be tax-free.That's a powerful way to build lasting wealth.6. Buying Too Much HouseHomeownership can be a blessing, but only if approached wisely. Spending too much on a house can strain your budget, robbing you of financial flexibility and peace.A manageable mortgage, combined with consistent savings, puts you on a path toward financial stability and positions you to honor God with greater freedom and generosity.We all make mistakes with money, but we don't have to stay stuck in them. God's Word is full of grace and wisdom. When we humbly receive correction and take steps toward diligence, we grow not only in financial strength but also in spiritual maturity.So, whether you're just beginning your financial journey or recalibrating after a few missteps, remember that wisdom is always available to those who seek it.“Listen to advice and accept instruction, that you may gain wisdom in the future.” — Proverbs 19:20Let's walk in wisdom and let our money reflect our trust in the One who provides everything.On Today's Program, Rob Answers Listener Questions:I have a disabled son, and I would like to leave him some money without attorneys or the government taking it away from him. Is there a way to do that?I'm retired but still working a few days a week, and my Social Security is deducted from my paycheck. What happened to that Social Security? Do I get it later? How does it work?I have a 401(k), and I'd like to know how I can invest according to my values with the options available in it. The only options are big companies that I'd rather not invest in. Do you have any suggestions?We recently sold our house for a good profit, and I'd like to know how we tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and the interest we paid on it?I left a job and rolled my 401(k) over to my current employer's account. I also have another 401(k). Should I combine them or keep them separate? I'm also getting a car accident settlement. Should I use it to pay off my car loans and credit cards or invest it and continue making payments?I'm 58 and still working, with my house and car paid off. When is it appropriate to redo my will? Is it time to do a trust? Or when is that the wise thing to do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

"But seek first the kingdom of God and His righteousness, and all these things will be provided for you." – Matthew 6:33This verse calls us to put God's Kingdom first in every aspect of our lives—including our investments—trusting that He will provide and use our efforts to advance His purposes. Today, Will Lofland joins us to share how that's happening right now.Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone's shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility.Who Is Guidestone?Guidestone is more than a financial services firm—it's a ministry to ministries. It is focused on serving ministries in all financial aspects of their work, including retirement plans, insurance solutions, wealth management, and the nation's largest Christian-screened mutual fund family.By equipping ministries with financial stability and security, Guidestone helps leaders focus more fully on spreading the gospel. Their services are designed to remove the weight of financial anxiety so that pastors, missionaries, and nonprofit leaders can flourish in their callings.What makes Guidestone unique is its unwavering commitment to honoring God with every dollar invested. Through rigorous Christian values screening, corporate engagement, and impact investing, it ensures that each fund reflects biblical principles.Guidestone's Impact Funds are an extension of this stewardship philosophy. Launched just before 2020, these funds go beyond avoiding harmful investments—they proactively invest in companies, projects, and causes that create meaningful change.Take the Impact Bond Fund, for example. It invests in projects like:Clean water infrastructureAffordable housing initiativesChristian-focused senior living communitiesThey believe that if we are truly stewards of God's resources, we want to invest in a manner that honors God and His purposes for human flourishing. Introducing the Kingdom Causes ProgramWhile securities can create positive change, their reach has limits. That's where Guidestone's Kingdom Causes program comes in.Born out of the Impact Funds initiative, Kingdom Causes donates 20% of the advisory revenue generated by the Impact Funds and supplements it with additional funding. Since 2020, they've donated nearly $750,000 to ministries advancing the gospel and protecting life.Their giving is focused on two core pillars:Sanctity of LifeSpreading the GospelFrom local to global, the ministries they support reflect these values.Ministries Making a DifferenceLocal Impact: Prestonwood Pregnancy CenterLocated in the Dallas area, this center is an extension of Prestonwood Baptist Church and serves women with compassionate care and gospel-centered support during unplanned pregnancies.They provide honest care, real information, and a strong infrastructure to support needy women. National Reach: Psalm 139 ProjectThis initiative provides ultrasound machines and resources to pregnancy centers nationwide, reinforcing the value of life and empowering expectant mothers.Meeting Physical Needs in the Name of JesusGuidestone also supports ministries that serve practical needs as an avenue for gospel outreach.Send ReliefA joint venture between the International Mission Board (IMB) and the North American Mission Board (NAMB), Send Relief addresses urgent needs like the following:Medical Missions in VenezuelaEntrepreneurial training for widows in AfricaLocal development projectsThese efforts not only meet physical needs but also open doors for evangelism.Faith-Based Content for Kids: Meet MinnoRecognizing the need for Christ-centered media, Guidestone supports Minno, a streaming platform offering biblically grounded content for children. It gives parents peace of mind knowing their kids are watching wholesome, faith-filled shows.Discipling the Forgotten: Prison MinistriesTwo standout organizations Guidestone supports are:Prison Fellowship: Sharing the hope of Christ with incarcerated individuals. Prison Seminaries Foundation: Partnering with Baylor University to provide seminary training to inmates serving long sentences.These ministries are transforming lives behind bars, raising disciple-makers where they're least expected.How You Can Join InWhen you invest in Guidestone's Impact Funds, you're doing more than planning for your future—you're also making an eternal impact. Visit GuideStoneFunds.com/Faith to learn more and to explore their faith-based investment options. On Today's Program, Rob Answers Listener Questions:I'm in the midst of my retirement or death planning, and I'm wondering what criteria I should use for creating a trust versus just having a will.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineGuideStone FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

"Wealth gained hastily will dwindle, but whoever gathers little by little will increase it." — Proverbs 13:11This verse offers a powerful lesson on financial stewardship—true and lasting wealth isn't built through shortcuts or speculation but through steady diligence and faithful management. In today's fast-paced world, financial success is often measured by how quickly one can accumulate wealth. Social media is filled with stories of overnight millionaires, high-risk investments, and shortcuts to riches. But is this the right approach? Let's explore how this biblical principle plays out in real life.The Temptation of Instant WealthTo illustrate this principle, let's look at the real-life story of an executive at a major Western bank—we'll call him Brian to protect his anonymity.Brian began his finance career in the 1990s, confident in his ability to manage money. However, he now admits that he was living beyond his means and accumulating debt. This financial instability made him especially susceptible to the allure of quick wealth, particularly during the height of the dot-com boom in the early 2000s.When a coworker offered him a chance to get in on the ground floor of a "can't lose" tech startup, Brian didn't hesitate. He scraped together $10,000, convinced he was on the fast track to wealth. In his mind, success was inevitable—he was already preparing to celebrate.But before he could, Brian heard the sound of the dot-com bubble bursting. His investment vanished, lost in a company he knew little about. He had chased quick wealth only to face the painful consequences.His story echoes the warning of Proverbs 28:20:"A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished."The Consequences of Chasing Quick WealthIt's important to understand that God doesn't sit around waiting to punish people for making bad financial choices. Instead, He may allow those poor decisions to lead to their natural consequences. Proverbs 13:11 teaches that when money is gained too quickly—whether through reckless speculation, gambling, or unethical shortcuts—it often lacks a foundation of wisdom and discipline, making it easy to lose.1 Timothy 6:9-10 warns:"Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."Many people experience financial hardship because they prioritize speed over stewardship. But God has a better way.The Power of Slow, Faithful GrowthIf Proverbs 13:11 warns against hasty wealth, it also points us to a better way:"Whoever gathers little by little will increase it."This principle isn't flashy, but it's powerful. True financial growth happens gradually through wisdom, patience, and discipline.Rather than seeking quick riches, God calls us to:Work diligently and earn honestly (Colossians 3:23).Save and invest wisely over time (Proverbs 21:20).Be generous and steward money for His purposes (2 Corinthians 9:6-7).Financial success isn't about speed—it's about faithfulness over time. Or, as the late Eugene Peterson put it so well, it's about “long obedience in the same direction.”Brian's Financial RedemptionBrian's story didn't end with financial ruin. Instead of giving up, he decided to take a biblical money management class through his church. That's when things started to turn around.He learned to be more disciplined with his finances—budgeting, saving, and living within his means. Eventually, he began investing again, but this time, he avoided speculation and focused on something he understood: real estate. He started small, took his time, and remained patient.Because he wisely managed his investments, his real estate holdings survived the housing crash and the Great Recession. Over time, he even started a fitness-related business with his son—something he had always dreamed of. That business survived the challenges of COVID-19 and is still thriving today.Brian's financial recovery wasn't instant. It was the result of steady, faithful growth over many years. His story is a testament to the wisdom of Proverbs 13:11—building wealth little by little often leads to long-term success.If you've experienced financial setbacks, don't lose heart. The key is to keep moving forward. The world promotes shortcuts, but God calls us to faithfulness. If we embrace patience, diligence, and godly stewardship, we'll not only experience financial security but also the joy of honoring Him with our resources.So, instead of chasing instant success, let's follow God's way—one wise step at a time.On Today's Program, Rob Answers Listener Questions:I received a notice from my bank about an arbitration provision and class action waiver for dispute resolution by individual arbitration. What does this even mean?I'm doing a remodel because my husband has Parkinson's, and I need to modify the bathroom to accommodate him. The bathroom renovation will cost about $25,000 to $30,000. Should I take the money from my 401(k), or would it be better to use funds from my home, which has been paid off for about seven years?My wife had open heart surgery at the end of 2023, and due to her portable bypass, she's unable to work continuously. I want to build retirement savings for her through a Roth IRA. I know I can open a spousal IRA for her since I'm working, but I'm concerned about whether this might affect her current disability benefits.I'm 65 and considering retirement in a couple of years. My friends suggest I take Social Security now, but I'm wondering about the best strategy. I'm currently 67 and don't need the money right now. Should I take Social Security now, wait until my full retirement age, or wait until I'm 70 to get a higher benefit? What are the investment implications of each option?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMovement MortgageSSA.gov (Social Security Administration)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

"Behold, children are a heritage from the Lord, the fruit of the womb a reward." – Psalm 127:3Children are a precious gift from God—a reward and a heritage to be cherished. With the incredible joy of welcoming a newborn also comes great responsibility, especially in managing finances wisely.To help new parents navigate this season, here's a New Baby Financial Checklist to ensure you're covering all the essential financial bases.1. Add Your Newborn to Your Health InsuranceIn the whirlwind of 2 AM feedings and endless diaper changes, don't let updating your health insurance slip through the cracks. Most plans allow a 30-day window after birth to add your baby to your policy.While you're at it, double-check that your plan covers:Pediatric careVaccinationsEmergency hospital visitsThankfully, welcoming a new baby qualifies as a “life event,” meaning you can make necessary adjustments to your plan.2. Secure Life Insurance CoverageLife insurance isn't for the baby—it's for you. Ensure you have a term life policy that provides at least 10 times the primary breadwinner's salary in coverage.Don't overlook the caregiving spouse, either! If something were to happen to them, the cost of childcare could be significant. Securing life insurance ensures financial stability for your growing family.3. Update Your BudgetIt's time to add a “Baby” category to your budget. When estimating how much to allocate, consider these new expenses:Diapers and wipesBaby clothes (that seem to shrink overnight!)Baby food and formulaMedical expensesThese costs add up quickly. You may need to adjust other budget categories to stay on track, but planning ahead will reduce financial stress down the road.4. Create or Update Your WillA will isn't just about distributing assets—it's about securing your child's future. One of the most critical decisions in your will is naming a guardian for your child in case both parents pass away.While this can be a difficult decision, it's essential to have a plan in place. Pray for wisdom and choose someone who shares your values and would provide loving care if the unthinkable happens.Proverbs 13:22 reminds us: “A good man leaves an inheritance to his children's children…” This inheritance isn't just financial—it includes faith, wisdom, and values that shape their future.5. Build or Strengthen Your Emergency FundIf you don't already have an emergency fund, now is the time to start. Aim for 3 to 6 months' worth of living expenses in savings.A new baby comes with many surprise costs, from medical bills to strollers that cost more than you expected. If a financial emergency—like a job loss—were to happen, having this cushion would be a huge blessing.6. Update Your TaxesWith the arrival of your baby, your tax situation changes:Child Tax Credit—You can claim your baby as a dependent on your tax return, which may qualify you for a $2,000 tax credit.Adjust Your W-4—Update your W-4 form at work to ensure your withholding reflects your new family size. You may be able to withhold less, increasing your take-home pay.7. Start an Education Savings FundIt may feel early, but saving for your child's education now can set them up for success. A 529 plan is a great option—it can be used for:Private K-12 tuitionVocational or technical trainingCollege education529 plans also offer tax-free growth on investments used for qualified educational expenses. Bonus: Recent tax law changes now allow unused 529 funds to be rolled into a child's Roth IRA (up to $35,000), making them even more beneficial!8. Freeze Your Child's CreditIdentity theft isn't just an adult problem—it can happen to children, too. If you've applied for a Social Security number for your baby, consider placing a credit freeze with the three major credit bureaus.This prevents fraudsters from opening accounts in your child's name, protecting their financial future.Welcoming a new baby is an incredible blessing, but it also comes with financial adjustments. By taking these steps, you can ensure a secure and stable future for your family.Have you checked off all the items on this list? Start today and take one step at a time—you've got this!On Today's Program, Rob Answers Listener Questions:Can you recommend a burial insurance of any kind?I recently retired at 70 and have money in a 401(k) that I'm unsure how to handle. My wife keeps saying we should invest in gold, but I don't know much about the stock market. Should I get a personal advisor to help me reinvest this money?I'm a federal government retiree with a pension. I'm 61 years old and have no debt besides my house payment. I'm not currently investing in anything. What would you recommend as an investment path for someone in my retirement situation?We have a 22-year-old adult daughter who lives with us. She is only responsible for paying her car insurance. We would like to know if it's biblical to start charging her rent to live with us and, if so, how we should determine the right dollar amount.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineSound Mind InvestingList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

“We love because He first loved us.” – 1 John 4:19Those six words beautifully capture the foundation of our relationship with God—we can only love and give because He first gave to us. Today, Sharon Epps joins us for a fascinating discussion on the generosity of women in the Bible.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.The Women Who Provided for JesusLuke 8:1-3 records an often-overlooked detail:“Soon afterward, He went through cities and villages, proclaiming and bringing the Good News of the Kingdom of God. And the twelve were with Him, and also some women who had been healed of evil spirits and infirmities: Mary, called Magdalene, from whom seven demons had gone out, and Joanna, the wife of Chuza, Herod's household manager, and Susanna, and many others, who provided for them out of their means.”This passage tells us three key things:These women had been healed by Jesus—physically, spiritually, or both.They supported Jesus' ministry financially out of their own wealth.Their generosity was a response of gratitude for what Christ had done for them.One of these women, Joanna, stands out in particular.Joanna: A Woman Transformed by JesusJoanna was the wife of Chuza, King Herod's household manager. Thus, she likely had significant wealth and lived a royal lifestyle. Yet, despite her status, she was weakened when she met Jesus. She needed healing, and her first act of generosity was actually receiving—not giving.This is a powerful reminder: Before we can give, we must first receive.What Does This Teach Us?Money alone doesn't solve all problems—Joanna had wealth but still needed Christ.Generosity starts with receiving—not just financially, but in all aspects of life.God uses people from all walks of life—even a woman in Herod's court—to fund Jesus' ministry.Receiving Before We GiveJoanna's story reminds us of an important biblical truth: we can only give what we have first received.1 Corinthians 4:7 asks:“What do you have that you did not receive?”The answer? Nothing.Everything—our breath, skills, love, wisdom, and financial resources—is a gift from God. We receive, then we give, creating a virtuous cycle of generosity that mirrors God's own generosity toward us.Three Key Questions to Consider:What have I received from Christ that enables me to give?Is my giving safe or sacrificial?What does my giving reveal about how well I've received from God?These questions challenge us to shift our perspective—to see giving not as an obligation but as an overflow of what we have already been given.The Motivation Behind Joanna's GenerosityWhy did Joanna give so generously? Gratitude.Later, in Luke 24, we find Joanna at Jesus' empty tomb. She was among the women who encountered the angels, remembered Jesus' words, and ran to tell the apostles.Her journey shows a progression:She received healing from Jesus.She financially supported His ministry.She proclaimed His resurrection.Her generosity wasn't just about money—it was about devotion. She gave because she loved Jesus deeply.Lessons in GenerosityAs we reflect on Joanna's story, here are some key takeaways we can walk away with: 1. Generosity is a JourneyOur relationship with Christ fuels our generosity. The deeper our love for Him, the more naturally we want to give.2. We Must Receive Before We Can GiveWe often think about generosity in terms of money, but we also receive:Life itself—the breath in our lungs.Skills and abilities—talents that allow us to work and earn.Love from God and others—which shapes our generosity.3. Giving is an Act of WorshipJoanna's giving wasn't transactional—it was an expression of extravagant love for Jesus. She gave freely because she had freely received.As we reflect on Joanna's story, let's ask ourselves:Do I truly recognize that all I have is from God?Am I giving out of safety or sacrificial love?Does my giving reflect how well I've received from Christ?These questions can reshape our perspective on generosity, helping us move from obligation to joyful, faith-driven giving.Joanna's story reminds us that generosity is not about wealth—it's about the heart. As we receive from Christ, we are called to pass it on—whether through finances, service, or sharing the gospel.May we, like Joanna, be conduits of Christ's love, reflecting gratitude, devotion, and generosity in all we do.On Today's Program, Rob Answers Listener Questions:I have a term life insurance policy that I got when we renovated our house a few years ago. The premiums keep increasing, and we're now retired with no debt. Do I still need this policy?I have a 401(k) invested in high-risk options through Empower (formerly Prudential). The account performs well when the market is good but loses a lot when it's down. What are your thoughts on investing through Empower, and are there any other options I should consider for my 401(k)?I inherited a property that was deeded to me and the 'heirs of my body.' Do I need to create a will or a trust to transfer this property when I pass away properly?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.

What do Bigfoot and credit reports have in common? They're each the subject of many myths.We don't know much about 8-foot furry creatures, but we can dispel some of the folklore about credit and credit reports. Neile Simon is here to help us do that today.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.If you've ever wondered whether closing a credit card boosts your score or if credit counseling hurts your credit, you're not alone. Let's dive into these common misconceptions and separate fact from fiction.Myth #1: Paying Off Debt Instantly Improves Your Credit ScoreIt's a common belief that paying down debt will immediately result in a perfect credit score. However, credit improvement takes time because credit scores are based on your payment history.Reality: Your credit report gives lenders a snapshot of how responsibly you've managed debt over time. Consistently paying bills on time is the best way to build and maintain a strong score—but it won't happen overnight.Tip: Be cautious of anyone claiming they can “fix” your credit instantly. No legitimate company can erase negative (but accurate) information from your credit history overnight.Myth #2: Credit Counseling Destroys Your Credit ScoreMany people worry that seeking credit counseling will harm their credit score.Reality: Enrolling in a credit counseling program is a neutral mark on your credit report and does not directly affect your score. Closing accounts impacts your score, so working with an accredited nonprofit organization is essential to develop a plan that keeps your credit intact. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Tip: Avoid paying for expensive credit monitoring or identity protection services. You can monitor your credit for free through reputable sources.Myth #3: Canceling Credit Cards Boosts Your ScoreMany people believe that closing old or unused credit cards is a responsible move, but it can actually hurt their credit scores.Reality: Lenders want to see two or three active credit lines. Closing credit cards reduces your available credit, which can negatively impact your score by increasing your credit utilization ratio (the percentage of available credit you're using).Tip: Keep zero-balance accounts open unless they charge an annual fee. If you must close an account, do so gradually—perhaps one every six months—to minimize the temporary impact on your score.Myth #4: Too Many Inquiries Hurt Your ScoreWhile excessive hard inquiries (when lenders check your credit for a loan or credit card application) can lower your score, not all inquiries count against you.Reality: Credit bureaus recognize rate shopping—for example, when you're comparing mortgage or auto loan rates. If you make multiple inquiries within a 45-day window, they count as one single inquiry, not multiple.Tip: Always shop around for the best loan terms without worrying about multiple hits to your credit score.Myth #5: Checking Your Own Credit Report Hurts Your ScoreMany consumers avoid checking their credit reports because they fear it will negatively impact their scores.Reality: Checking your own credit is a "soft inquiry" and does not affect your score. Only "hard inquiries" (such as applying for a loan or credit card) can impact your score.Tip: Review your credit report every 6–12 months to catch errors or fraud early. Get a free report from AnnualCreditReport.com, the only official site for free credit reports.Myth #6: Credit Scores Are Locked In for Six MonthsSome believe their credit score is only updated periodically, leading to confusion when making financial decisions.Reality: Your credit score is dynamic, meaning it updates as new information is reported—not every six months. Changes in balances, payments, and account activity can impact your score as soon as they are reported by creditors.Tip: If you're working on improving your score, be patient and consistent—your efforts will show over time.Myth #7: If I Pay My Bills on Time, I Don't Need to Check My Credit ReportIt seems logical that paying your bills on time means your credit report is in good shape. But that's not always the case.Reality: 80% of credit reports contain errors. Mistakes like incorrect account information or fraudulent activity can damage your score even if you've never missed a payment.Tip: Check your credit report at least once a year to identify errors and dispute inaccuracies before they hurt your financial standing.Myth #8: All Credit Reports Are the SameMany people assume that if they check one credit report, they've seen them all.Reality: There are three major credit bureaus—Equifax, Experian, and TransUnion—and they all calculate scores differently. Some lenders may pull from only one bureau, while others check all three.Tip: Review reports from all three bureaus to get a complete picture of your credit history and spot discrepancies.Myth #9: A Divorce Decree Automatically Removes You from Joint AccountsDivorce proceedings often divide assets and debts, but that does not automatically separate joint accounts.Reality: If you and your former spouse share a loan or credit account, both of you remain responsible for the debt—even if a court assigns the balance to one person.Tip: To protect yourself, close joint accounts or refinance loans to remove your ex-spouse's name. Simply relying on a court order won't protect your credit.Myth #10: Bad Marks Automatically Disappear After Seven YearsMany assume that negative information automatically falls off their report after seven years, but it's more complicated than that.Reality: Some items, like Chapter 7 bankruptcies, remain on your report for 10 years, while Chapter 13 bankruptcies stay for seven years. Paid-off accounts in good standing can remain for 10 years, which benefits your credit history.Tip: If you have negative marks on your report, focus on building positive credit habits to minimize their impact over time.Myth #11: I Can Pay Someone to “Fix” My CreditCredit repair companies often promise quick fixes, but many of their claims are misleading.Reality: No company can legally remove accurate negative information from your credit report. If a debt is legitimately yours, it will stay on your report until its expiration date.Tip: You can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies.The Truth About Credit ReportsUnderstanding your credit report and score is essential for financial success. By debunking these myths, you can take control of your credit and make informed financial decisions.Check your credit report regularly for errorsKeep credit card accounts open to maintain a strong scoreShop around for loans without worrying about multiple inquiriesWork with trusted advisors, not credit repair scamsIf you're struggling with credit card debt, Christian Credit Counselors can help. They've helped thousands of people get out of debt 80% faster while honoring their financial obligations.Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more.On Today's Program, Rob Answers Listener Questions:I have a $50,000 home equity line of credit with $40,000 currently owed. I'm in school for one more year and have had to draw $1,000-$2,000 from the line every couple of months to cover expenses. My interest rate is 2.6%. I was wondering if I could use the equity in my home to pay off this debt and get some extra cash to help me through the rest of school.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)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.