Podcasts about art rainer

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.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.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom 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 it—or said it yourself: “I just want my kids to have what I didn’t.” It sounds noble, but it can sometimes lead to financial trouble. On the next Faith & Finance Live, Rob West will talk with Dr. Art Rainer about how that mindset can push parents into debt. Then Rob will answer some questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

If the Bible mentions money more than 2,000 times, why do many pastors find it challenging to preach about? If finances affect every person in the pew, with many struggling in some area of their finances, there is a significant need for discipleship around money and generosity in churches. What makes financial generosity a difficult spiritual discipline for many Christians? In this episode, Todd Unzicker sits down with Art Rainer, founder of Christian Money Solutions, to unpack why generosity should matter to Christians, what the Bible teaches about giving, and the resources available to N.C. Baptist partnering churches. Listen in as they explore the heart behind the “8 Money Milestones” curriculum, and learn more about how your church can benefit from a new partnership between N.C. Baptists and Christian Money Solutions.

“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 something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? On today's Faith & Finance Live, Dr. Art Rainer will join Rob West to walk through how to create a financial emergency binder. Then Rob will answer your questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

“I have no greater joy than to hear that my children are walking in the truth.” - 3 John 1:4In that verse, the Apostle John praises his friend Gaius and other believers for their generosity toward missionaries. As parents, we want our children to be generous toward God's Kingdom. Dr. Art Rainer joins us today with some steps we can take to grow our kids in generosity.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is also the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money and the Secret Slide Money Club, a book series designed to teach young readers about God's way of being wise with money. Why Teaching Generosity MattersParenting is a high calling. Everything we say and do influences our children's lives, shaping their worldview and their relationship with God. Generosity is part of God's plan for His people, so we must intentionally guide our kids away from selfishness and toward selflessness.But how do we teach children to be generous when human nature tends to favor holding on rather than giving away? It starts with a few key principles.1. Model GratefulnessBefore kids can learn to give, they must first recognize the blessings they've received. A heart of gratitude fosters a heart of generosity.Regularly express thankfulness for the resources God has given your family. Teach your children that everything belongs to God—we are simply stewards of His gifts. Share stories of how generosity has impacted your own life and how giving frees us from the grip of money.Gratefulness leads to an open-handed posture toward money and possessions.2. Talk About GenerosityChildren won't naturally connect giving to their faith unless we explain it to them. Conversations about generosity help shape their understanding of why we give.Explain that we give because God first gave to us (John 3:16). Share personal testimonies of times when generosity blessed others—or when you were blessed by someone else's generosity. Connect giving to the gospel: Just as God gave us His Son, we reflect His love when we give to others.3. Model Generosity in Everyday LifeKids have a strong radar for hypocrisy. If we talk about generosity but don't practice it, they'll notice. That's why we must demonstrate generosity in tangible ways.Let them see you giving—to your church, to charities, or to people in need. Discuss the needs of others. Ask them, “Have you ever needed help? How did it feel when someone helped you?” Involve them in acts of giving, such as donating food, helping a neighbor, or supporting a ministry.When children witness generosity in action, they begin to understand its value.4. Let Them Earn and GiveFor kids to truly grasp generosity, they need to experience both the sacrifice and joy of giving. One way to do this is by allowing them to earn their own money.Provide opportunities for them to do small jobs or earn an allowance. Encourage them to set aside a portion for giving, just as they do for saving and spending. Let them choose where to give—whether it's to the church, a missionary, or a local charity.Handling their own money makes giving more meaningful and personal.5. Prioritize Giving to the Local ChurchOne of the best ways to instill a habit of generosity is by encouraging children to give to their church.Introduce them to pastors and missionaries so they can see how their giving impacts the Kingdom. Show them how to give—let them physically place money in the offering plate rather than only giving online. Reinforce that their giving contributes to something much bigger than themselves.6. Encourage Giving with Joy, Not GuiltGiving should be joyful, not forced. Pressuring kids to give out of obligation can lead to resentment rather than a cheerful heart. Instead, celebrate their generosity and show them the blessings that come from giving freely.As 2 Corinthians 9:7 reminds us, “God loves a cheerful giver.”Raising generous children requires intentionality. By modeling gratefulness, discussing generosity, and providing opportunities for them to give, we can help shape their hearts to reflect God's generosity.Want to dive deeper into this topic? You can read more in Faithful Steward, FaithFi's brand-new quarterly publication that equips families to align their faith and finances for God's glory.To start receiving Faithful Steward every quarter, become a FaithFi Partner by giving $35 or more per month or $400 annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox.On Today's Program, Rob Answers Listener Questions:I have a 401(k) with about $128,000 in it, and I'd like to invest $60,000 into an annuity. The person I talked to said I would get an 8,600-dollar bonus immediately if I invested the $60,000. He also said I could take out 20% of the annuity after two years. What do you think about this annuity option?I am 51 years old. I retire at the end of next year and have a state pension. In addition, I also have some 401ks and 403bs that I've tapped into over the last, you know, 30 years that I've been employed or contributed to. Instead, what do I do with those 401k's and 403B's at that time of retirement?Half of my portfolio is in real estate, and the other half is in stocks. The old advice was to move more into bonds as you get older, but bonds haven't done well lately while the stock market has been incredible. What are your thoughts?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

As believing parents, we want our children to be generous toward God’s Kingdom. So, how can we help our kids move away from selfishness and toward selflessness? On today's Faith & Finance Live, Rob West will welcome Dr. Art Rainer to share some steps we can take to help our kids grow in generosity. Then Rob will answer your calls on various financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Art Rainer joins Thom to unpack some amazing research that can help you know how to lead your church members to higher levels of giving. You will be amazed how a few simple things can move your church toward greater stewardship. The post What Every Church Leader Needs to Know to Move Church Members to Higher Levels of Generosity appeared first on Church Answers.

Do you find yourself trapped in a "one-day" mindset? Maybe you think, "One day, I'll be out of debt," "One day, I'll have enough," or "One day, I'll finally relax." We often tie our contentment to future circumstances, yet the Apostle Paul shows us a different way—contentment in the here and now.Paul, who experienced both wealth and poverty, wrote in Philippians 4:11-13 about the secret to contentment:“I have learned in whatever situation I am to be content... I can do all things through him who strengthens me.”Paul's contentment wasn't based on his circumstances but on his relationship with Jesus Christ. Whether he faced abundance or need, his joy remained unshaken because it was rooted in something eternal.Contentment Is LearnedContentment doesn't happen overnight. As Paul emphasized, it's a learned behavior. By shifting our focus from earthly circumstances to God, we begin to see that no amount of money, success, or possessions will ever satisfy us. Only a deep relationship with Jesus can fill the longing in our souls.Hebrews 13:5 reminds us:“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'”The Role of GratitudeGratitude plays a crucial role in fostering contentment. Recognizing what God has already done for us transforms our perspective. As Dr. Art Rainer says, “When you realize that you're entitled to nothing, you become thankful for everything.”If you're struggling to feel content, practicing intentional gratitude can shift your mindset from scarcity to abundance.Five Steps to Cultivate ContentmentHere are five practical steps to help you experience lasting contentment:Make Gratitude a Daily Habit: Begin each day by listing three things you're grateful for. This simple practice shifts your focus to what you already have.Bring Your Needs to God: Share your needs (not wants) with God. Approach Him with a thankful heart, trusting in His faithful provision.Find Contentment in Christ: Reflect on Philippians 4:11-13. Meditate on the sufficiency of Christ in meeting your deepest needs.Appreciate the Present: Pause and savor the blessings around you. Stop striving for more and find joy in the moment.Practice Generosity: Generosity turns gratitude into action. Giving to others reminds you of your own blessings and brings joy through sharing.Contentment isn't found in “one day.” It's found today in the sufficiency of Christ, a heart of gratitude, and the joy of giving.A Resource for Finding PeaceIf financial fear or anxiety is stealing your peace this season, consider our 21-day devotional, Look At the Sparrows. This resource offers biblical guidance to help you find peace and contentment, no matter your circumstances.You can get your copy by visiting FaithFi.com/give with a gift of $25 or more. Your support not only equips you with this valuable devotional but also helps keep this ministry thriving so that others may see God as their ultimate treasure. On Today's Program, Rob Answers Listener Questions:I'm divorced after 30 years. Do I still have any retirement or death benefits from my ex-spouse, or is everything over after the divorce?I have a $20,000 car loan and some investments. Would paying off the car loan by withdrawing from my IRAs be a good idea?My dad has a HELOC with an interest rate of 9.49%. We want to get rid of it, and we'd like to know if a zero-interest credit card is a good option to do this. Is there another option you'd suggest?We recently sold our house and have around $350,000 in a bank that earns practically nothing. My husband is suspicious of moving it into a high-yield savings account because it's not a brick-and-mortar bank. Are there any concerns we should be aware of? If not, how can we go about finding a good bank online?My wife and I are senior citizens, and we recently gained custody of our 10-year-old granddaughter. Her father passed away, and her mother is not in her life. We want some direction and understanding regarding setting up a trust for her for later in life. We're obviously brand new at parenting again, so any advice you have would be appreciated.Resources Mentioned:Christian Community Credit Union (CCCU)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (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.

“Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” - Proverbs 11:14The words of that verse apply to all areas of Christian life, including financial stewardship. According to God's financial principles, good counsel is important for managing His money wisely. Dr. Art Rainer joins us today to talk about it.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.What Does a Certified Christian Financial Counselor (CertCFC) Do?Certified Christian Financial Counselors (CertCFCs) are trained to help individuals and couples with immediate financial challenges. Using biblical principles, they guide people in key areas such as:Budgeting effectivelyEliminating debtBreaking free from paycheck-to-paycheck livingSaving for future expensesLiving generouslyTheir goal is to equip you with practical tools and spiritual insights so that you can manage your money in accordance with God's design.Rigorous Training for a Biblical ApproachBecoming a CertCFC involves a comprehensive training program covering topics like:Biblical stewardshipDebt elimination strategiesSaving and budgeting principlesTo earn the designation, candidates must pass a 100-question, two-hour examination. This rigorous process ensures they're well-prepared to provide high-quality guidance that is both practical and biblically sound.Counselor vs. Advisor: What's the Difference?One common question is the difference between financial counselors and financial advisors. Here's a quick breakdown:Financial Advisors: Focus on long-term planning, including investments, retirement, and tax strategies.Certified Christian Financial Counselors (CertCFCs): Address immediate financial concerns, helping clients overcome challenges like debt and budgeting.If you're looking for help with every day financial issues, a CertCFC is the right fit.A Calling to Help OthersIf you're passionate about biblical financial stewardship, becoming a Certified Christian Financial Counselor might be your next step. CertCFCs serve in various capacities, including:Running a private financial counseling practiceServing in their local churchCombining both approaches to reach more peopleThere is a significant need for more counselors to help individuals align their finances with God's principles.What to Expect When Working with a CertCFCWhen you meet with a Certified Christian Financial Counselor, you'll find a supportive, empathetic partner who listens to your story and provides practical, biblically-based solutions. Typical sessions last about an hour and include:A review of your financial challengesEncouragement and guidance grounded in ScriptureActionable steps to move forwardYou'll leave with real tools and a renewed sense of hope for managing your money God's way.Ready to Take the Next Step?Whether you're looking for financial guidance or feel called to help others as a counselor, the Certified Christian Financial Counselor (CertCFC) program offers the tools and training you need. For more information, visit ChristianFinancialHealth.com.On Today's Program, Rob Answers Listener Questions:We've recently discussed what we will do for our health care and need something covering pre-existing conditions. Do you guys have any recommendations on what we could go through or anything we can look into?I've recently invested in goldbacks and see more states joining. What are your thoughts on those, and is it a good idea to invest right now?I inherited a house with my sister worth $300-350,000. I lost my job, so I wouldn't qualify for a loan to buy out my sister's portion. I have unemployment and a 401(k) I could convert to an IRA. I'll be getting Social Security in February. Should I try to buy out my sister or just sell the house?Resources Mentioned:The Institute for Christian Financial HealthHealthcare.govChristian Healthcare Ministries (CHM)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.

Proverbs 11:14 says, “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” And we can be sure the words of that verse apply to all areas of Christian life, including financial stewardship. On today's Faith & Finance Live, Rob West will welcome Art Rainer to explain how good counsel is important for us to have as stewards managing God’s money. Then, Rob will answer some calls and financial questions. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here. To support the ministry of FaithFi, click here. To learn more about Rob West, click here. To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

God's Word says a husband and wife become one flesh…but it doesn't say anything about prenups.It's true; you won't find “prenuptial agreement” in your concordance. So, does that mean a Christian should never have one?God's Design for Marriage: Oneness and CovenantA prenuptial agreement (prenup) is a legal contract that couples agree to before marriage, outlining how their assets—money, property, and other possessions—will be divided if they divorce. While this can seem like a practical way to handle complex financial conversations, many wonder if it aligns with God's design for marriage.In Genesis 2:24, God sets the foundation for marriage: "A man leaves his father and mother and is united to his wife, and they become one flesh." Paul reinforces this principle in 1 Corinthians 7:4, reminding us that in marriage, even our bodies are not our own but belong to our spouse. This unity is central to God's plan for a thriving marriage—there should be no "mine" or "yours," only "ours."Marriage is also a covenant relationship, reflecting the bond between Christ and His Church (Ephesians 5:31-32). This covenant is built on love, sacrifice, grace, and mutual respect. In a Christ-centered marriage, everything is shared, and the relationship becomes a testimony of God's love to the world.Potential Issues with Prenups in Christian MarriagesWhile a prenup may seem practical, it can introduce harmful dynamics into a Christian marriage. Dr. Art Rainer, a frequent contributor to Faith and Finance, outlines three potential messages a prenup might send:Distrust in the Relationship: A prenup often signals that one partner feels the need to protect their assets, which can imply a lack of trust in the other person.Doubt About the Marriage's Longevity: By preparing for a divorce before the marriage even begins, a prenup can suggest uncertainty about the commitment to "forever."One Partner Isn't Fully Committed: In a biblical marriage, all things—finances included—are shared. A prenup can indicate that one partner is unwilling to fully embrace the oneness that God desires.Are There Legitimate Reasons for a Prenup?Despite these potential issues, there are scenarios where a prenup might foster unity rather than harm it. For example, if one or both spouses have children from previous marriages, a prenup can help clarify how inheritances will be handled. This could show that the marriage is being pursued for the right reasons and that the best interests of all family members are being considered.However, any decision about a prenup should involve prayer and godly counsel. Seeking wisdom from advisors ensures that the couple asks the hard questions and examines their motivations before moving forward.Keeping God's Design at the Center of MarriageUltimately, marriage is a covenant reflecting Christ's relationship with the Church, built on trust, sacrifice, and unity. While there may be valid reasons to consider a prenup, it should never replace the trust and commitment foundational to Christian marriage.Both spouses should prayerfully consider their motivations, ensuring their relationship aligns with God's design for oneness in all areas, including finances. Open conversations about money and trust are essential, and any agreement made between each spouse should serve the marriage, not undermine it.We hope this reflection has provided you with valuable insights as you ponder whether a prenup is right for your situation. Seek God's guidance, and let His vision of unity and covenant shape your marriage decisions.On Today's Program, Rob Answers Listener Questions:I started receiving my Social Security benefit at 62 but was later notified I could get a higher amount. After speaking with them, my benefit increased slightly since half of my ex-husband's benefit was higher than I had been receiving. Now, I'm wondering if I would be eligible for survivor benefits if my ex-husband were to pass away before me.I'm paying a $120 monthly premium on a $10,000 life insurance policy for my 96-year-old mother. The policy has a $5,000 cash value. Should I cancel the policy and use the $5,000 cash value to pre-pay funeral expenses, or should I keep the policy active until she passes and use the $10,000 death benefit then?I have multiple 401(k) accounts from past jobs and traditional and Roth IRAs. Would it be best to consolidate all these retirement accounts into a single traditional IRA and/or Roth IRA? I'm hoping consolidation could simplify management and potentially improve my investment options.Resources Mentioned: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.

Many believers would agree that churches should follow the same financial principles that God's Word provides for individuals. But even within that agreement, there's still plenty of room for debate. For example, should churches borrow for building and expansion projects?Borrowing for church projects can be a sensitive topic, raising important questions about finances and faith. While the Bible does not declare borrowing a sin, it does offer several warnings about its potential pitfalls. Let's explore the biblical principles and guidance for churches considering debt.Biblical Warnings About DebtProverbs 22:7 says, “The rich rule over the poor, and the borrower is a slave to the lender.” This warning reminds churches that while borrowing isn't inherently sinful, it can create a burden and dependency on lenders. The late Larry Burkett emphasized that debt can be destructive if taken to excess, and it's more about an attitude than an absolute rule.Principles for Church BorrowingFinancial expert Ron Blue offers several key principles for churches to follow when considering borrowing:The benefit should outweigh the cost.A clear repayment plan should be in place.Church leadership should be unified in the decision to borrow.Borrowing should bring peace of mind, not anxiety.The debt should align with God-given goals.These principles help guide churches in making thoughtful decisions about whether to borrow, ensuring that financial obligations don't overshadow their spiritual mission.Three Biblical Principles for BorrowingDr. Art Rainer, Director of the Institute for Christian Financial Health, encourages healthy debate on the issue of church borrowing, outlining three key principles for churches grappling with the issue of debt:Use Caution—Proverbs 22:26-27 advises against entering agreements without being sure of repayment. Churches must ensure they can meet their obligations to avoid damaging their witness.Consider the Congregation's Burden—Debt limits funds available for outreach and missions. As Proverbs 22:7 reminds us, “the borrower is a slave to the lender.”Debt Creates Opportunities for Sin—Psalm 37:21 warns against failing to repay debts. Churches should secure loans with collateral and ensure a repayment plan is in place.Despite the cautions, many churches borrow successfully to expand their ministry efforts. If your church chooses to borrow, selecting a financial institution that shares your Christian values can be a game-changer. Christian Community Credit Union (CCCU) is a trusted partner for churches, providing over $1 billion in ministry real estate loans. CCCU aligns with Christian values and offers financial tools to help ministries thrive.Making an Impact Without BorrowingEven if your church decides against borrowing, you can still make an impact. By opening an account at CCCU, you support other churches and ministries through your deposits. To learn more, visit JoinChristianCommunity.com.While borrowing isn't sinful, churches must carefully consider the financial and spiritual implications before taking on debt. By following biblical principles and partnering with the right institutions, churches can make informed decisions that support their mission to advance the Gospel.On Today's Program, Rob Answers Listener Questions:I've been seeing many of these advertisements about debt cancelation on the internet, on Facebook, and in places like that. There's one going on right now: if you're a veteran and owe $20,000 or $30,000 or more, you can get it wiped out. Is stuff like this a legitimate deal, or is it a scam?I'm selling my home and will have a surplus after buying a new home outright. I just retired and want to stay retired. Should I use the surplus to live off of, draw my Social Security, or invest the money?My question is about my retirement investment with my employer versus my investment in a high-yield savings account. I've been with my employer for three and a half years. Its growth has been 2.47% during that time, and my high-yield savings account rate is 5.2%. I'm trying to understand which investment would be most beneficial.I heard you guys talk about a reverse mortgage and was thinking about it for my 90-year-old mother. We've been in conversation with Movement Mortgage and started the process, but I got cold feet because of the fees. So, I am wondering what your thoughts are about this and whether this is a good idea. Resources Mentioned:Christian Community Credit UnionLook 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.

Thom Rainer and Art Rainer share a “secret” that very few church leaders know. Acting upon this information, the church is almost certain to increase its giving by 20% more. The post The One Simple Move a Church Can Make to Increase Its Giving by 20% or More appeared first on Church Answers.

Student loan forgiveness is much in the news these days. It's on. It's off. It's on again, maybe. What's the lesson here? The lesson is this: Avoiding student loan debt is much easier than getting out of it. It just takes discipline. We'll talk about that with Dr. Art Rainer today. 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 “The Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously.” A Biblical Foundation for College FinancesWhen it comes to preparing for college, it's important to keep Proverbs 22:7 in mind: “The rich rules over the poor, and the borrower is the slave of the lender.” This verse serves as a crucial reminder that borrowing money, especially for education, can lead to long-term financial burdens. It's easy to accumulate tens of thousands of dollars in student debt that could take decades to repay.Four Strategies to Minimize College DebtIn The Money Challenge for Teens, Dr. Art Rainer outlines four key strategies to help students minimize, or even avoid, college debt:Start Saving Now: The sooner you begin saving for college, the less you'll need to borrow.Take College-Level or AP Courses Now: These can reduce the number of credits you need to take in college, lowering your overall tuition costs.Explore Scholarships and Grants: There's a wealth of financial aid available, but you need to seek it out and apply diligently.Be Willing to Work While in School: Many students work part-time jobs to help cover tuition and reduce the need for loans.While these strategies require effort and discipline, they're far easier than paying back $30,000 or $40,000 in student loans after graduation.Avoiding Costly Misconceptions About CollegeDr. Art Rainer also shares a list of common misconceptions that can lead to unnecessary student debt. Understanding and avoiding these pitfalls can make the college journey much smoother:Misconception #1: Attending a Costly School Guarantees a Better Job: Higher tuition doesn't always translate to higher salaries. Employers care about your degree, not how much you paid for it.Misconception #2: You Need the Whole “College Experience”: Some students work during college to offset tuition costs, which can prevent long-term debt.Misconception #3: It's Okay to Stretch Out College: While there's some flexibility, extending your degree program can increase costs and the risk of not completing your degree.Misconception #4: You Don't Need to Know What You're Signing: Educate yourself on student loans before signing anything. Understand the commitment and explore alternatives.Misconception #5: Everything Will Take Care of Itself: Student loans are difficult to escape, even surviving bankruptcy. It's crucial to manage your debt and avoid complacency.Misconception #6: There's No Other Option: While college costs are high, there are always options like scholarships, grants, and community college. Explore every avenue before taking on debt.Putting in the Hard Work NowIt's far better to put in the hard work now—saving, applying for scholarships, and working while in school—than to be burdened with student debt later. By being proactive and informed, students can avoid the financial pitfalls that so many others face.For more insights and resources from Dr. Art Rainer, visit his website at ChristianMoneySolutions.com. If you're interested in becoming a Certified Christian Financial Counselor (CertCFC), visit ChristianFinancialHealth.com. On Today's Program, Rob Answers Listener Questions:How could we use our required minimum distributions (RMDs) to make donations to the church and offset the tax impact? I'm looking for a formula or chart to help calculate the potential tax savings.I'm still working and scheduled to retire within the next couple of years. My employer has an actual person who manages our retirement plan, but I wanted to find out how to invest in things that align more with my faith and ensure I'm not supporting something I don't want to be supporting.Should I move my 403(b) funds to a CD ladder to safeguard them from market volatility, and would that result in a tax burden?How do I access the $36,000 cash surrender value of my 68-year-old friend's whole life insurance policy, and what happens when the policy is discontinued?Resources Mentioned:The Institute For Christian Financial HealthList of Faith-Based Investing FundsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Student loan forgiveness is much in the news these days. It’s on. It’s off. It’s on again…maybe. So, what’s the lesson we can learn here? On today's Faith & Finance Live, host Rob West will talk with Art Rainer about how we’re learning that it’s much easier to avoid student loan debt than to get out of it—it just takes discipline. Then Rob will answer your calls on various financial topics. See omnystudio.com/listener for privacy information.

“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” - Proverbs 13:11Patience is definitely a virtue, especially when it comes to investing. But too often, we allow our emotions to rule over us. Dr. Art Rainer joins us today to discuss four ways emotions ruin smart investing.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.”The Impact of Emotions on InvestingWe often hear comments like, “The market has been on fire! I'm putting more money in!” or, “The market is tanking! I'm taking all of my money out!” These reactionary decisions in response to market fluctuations are rarely smart. When it comes to investing, emotions are your enemy. Allowing them to guide your decisions will likely lead to buying high and selling low, undermining the growth of a solid retirement fund.Let's look at four ways emotions ruin smart investing so folks don't fall into the emotional investing trap:1. Emotions often focus on the present rather than the future.While the present matters, we can become so consumed with day-to-day market volatility that we miss the big picture. Remember, we're investing for the future, not today. Keeping your eyes on the future helps make market bumps seem less dramatic. So, limit emotional decision-making by focusing on long-term goals.2. Allowing fear to take over during a down market.When the market heads south, fear can suddenly overwhelm us. Fear-driven decisions rarely result in thoughtful, sound choices. We saw this in 2008 when many individuals pulled out of the market, vowing never to invest again. Most would now agree that their decision wasn't the best. During a down market, fear is often your worst enemy. Not to mention that when the market is down, steady contributions purchase more shares to increase in value when the market recovers.3. We can be overconfident during an up market.Just as fear can hurt during down markets, overconfidence does the same during up markets. Before the dot-com bubble burst in 2000, we saw this overconfidence again in 2020. Upward-moving markets can make people view the market as free money. Investors who lack experience start buying riskier investments, and those who have never been in the market jump in, not wanting to miss out. This overconfidence can be as devastating as fear.4. Feeling regret when looking back on past investment decisions.You fear the drop and miss out on the gain, or you're overconfident and suffer significant losses. This regret can lead to overcorrection in future decisions. While regret can help us learn, it's crucial not to let it dominate our actions. The Bible says that saving is wise, so be wise. Save and invest for the future, but don't let emotions drive your decisions.Becoming a Certified Christian Financial Counselor (CertCFC)Certified Christian Financial Counselors (CertCFC) help individuals and couples discover and pursue God's design for money. Practically, Certified Christian Financial Counselors (CertCFC) guide individuals and couples in making wise financial decisions, building sound financial habits, and increasing their biblical financial literacy.If you'd like to learn how to become a Certified Christian Financial Counselor (CertCFC), you can go to ChristianFinancialHealth.com. If you need help creating a spending plan and want to work with a Certified Christian Financial Counselor (CertCFC) to get your finances back on track, go to FaithFi.com/Find. On Today's Program, Rob Answers Listener Questions:What do I do with the $100,000 in my 401(k) from my previous job? I'm unsure if I should leave it there, roll it into my new employer's 401(k), or move it to an IRA. I want to make sure I'm making the best decision for my retirement savings.My question is about assigning a power of attorney. I don't have any family members I can ask to serve in that role. What do you recommend I do in this situation?My question is about the trust protector role that my attorney has assigned themselves to my trust and will document. I'm unsure what that means or if I should move forward with them in that position. Can you explain what a trust protector is and whether I should be concerned about that?During some slow months at my sales job, I've had to borrow money from family members to cover my mortgage and bills. When I get my next commission payment, I'll only have enough to pay back what I owe. I'm worried that if something were to happen to me, my kids would be affected by the debt I owe. I want to honor God with my finances, but I'm not sure what the right thing to do is in this situation. Can you provide any advice?Resources Mentioned:The Institute For Christian Financial HealthChristian Money SolutionsRich 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.

Patience is definitely a virtue, especially when it comes to investing. But too often, we allow our emotions—like fear—to rule over us. On today's Faith & Finance Live, Art Rainer will join host Rob West to discuss four ways emotions ruin smart investing. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

Send us a Text Message.Pull a seat up at the table and join us in a conversation with Art Rainer about the financial burden in today's world.  He describes our current state and explains the importance for the church to teach stewardship.  We also hear about several resources that can help families and church leadership.  Links in Podcast Episode: https://www.christianfinancialhealth.com/reporthttps://www.christianmoneysolutions.com/8-money-milestonesAround the Corner Events: All Events: mbcb.org/eventsJuly 18-20: State Literacy Missions & Christian Job Corps ConferenceJuly 19: Stand Tall - Students Standing for ChristJuly 25: Mississippi Worship and Media Conference August 8: Impact Training - ColumbusAugust 12: Impact Training - ClintonAugust 13: Impact Training - Hernando August 16-17: Equipping LeadersAugust 19: Impact Training - GulfportAugust 20: Impact Training - HattiesburgContacts: Jon Martin, Chief Strategy Officer - jmartin@mbcb.orgTanner Cade, Communication Services Director - tcade@mbcb.org

How do Christians think about money and giving? A new report created by the Institute For Financial Health reveals essential data about Christians' perspectives on these topics. It provides cutting-edge insights into the areas of generosity, debt, savings, budgeting, retirement, church teachings, and professional guidance. In this second podcast, we're again talking with the Institute's founder, Art Rainer, the creator of The Christian Financial Health Report, to discuss its findings and how these can assist church leaders and those who minister in financial discipleship in helping people improve their financial health.Ministry ResourcesChristian Financial Health ReportInstitute For Financial HealthChristian Money SolutionsMore than Money PodcastAre you a pastor or church leader?At Christian Stewardship Network, we are passionate about teaching the biblical perspective on finances so that you can teach your church with authority, confidence, and integrity. Our network is a group of passionate Christ-followers with a burden to teach and equip God's people in stewardship and generosity. Sign up for our mailing list to get new content directly to your inbox!Become a member of our network to access our entire library of online courses, participate in monthly network calls, and more!CSN is a recognized 501(c)(3) non-profit organization. Help us reach more churches with the message of stewardship and generosity, Support our mission through giving.

How do Christians think about money and giving? A new report created by the Institute For Financial Health reveals essential data about Christians' perspectives on these topics. It provides cutting-edge insights into the areas of generosity, debt, savings, budgeting, retirement, church teachings, and professional guidance. In this podcast, we're talking with the Institute's founder, Art Rainer, the creator of The Christian Financial Health Report, to discuss its findings and how these can assist church leaders and those who minister in financial discipleship in helping people improve their financial health.Ministry ResourcesChristian Financial Health ReportInstitute For Financial HealthChristian Money SolutionsMore than Money PodcastAre you a pastor or church leader? At Christian Stewardship Network, we are passionate about teaching the biblical perspective on finances so that you can teach your church with authority, confidence, and integrity. Our network is a group of passionate Christ-followers with a burden to teach and equip God's people in stewardship and generosity. Sign up for our mailing list to get new content directly to your inbox! Become a member of our network to access our entire library of online courses, participate in monthly network calls, and more! CSN is a recognized 501(c)(3) non-profit organization. Help us reach more churches with the message of stewardship and generosity, Support our mission through giving.

What would you say is the most generous act of all time? If you said “The Cross,” you'd be correct.Jesus gave His life so we may spend eternity with Him. We must only have faith in Him as our Lord and Savior to receive this gift. Art Rainer joins us today with thoughts on what the Cross reveals about generosity. 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.”In Matthew 27, we read how the unfathomable became reality. God sent his only Son, Jesus, to the world. While on earth, he lived sinless, doing what no human could ever do on their own. Yet, he was condemned to die on the cross. Christians can't look at the cross without seeing radical generosity. The blood-stained wood reminds us of the greatest gift ever given. It shows us what genuine, biblical generosity looks like. Five Lessons About Generosity From The CrossBiblical generosity is not deserved. No human has ever deserved what we read about in Matthew 27. The Bible is evident on this matter. Romans 3:23 says, “For all have sinned and fall short of the glory of God.”Biblical generosity should be a priority. God did not give us his leftovers. John 3:16 tells us, “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.” God gives us His one and only, His first and best. God leads us in the first fruits principle in Proverbs 3:9 and throughout Scripture.Biblical generosity should be sacrificial. A sacrifice occurs when something desirable and beneficial is given up. Jesus' sacrifice was astonishing not only because he was unjustly executed but also because he took on the wrath of God for all sins—past, present, and future. It is an act truly unfathomable to the human mind.Biblical generosity should reflect God's generosity. God is a generous God; throughout Scripture, we see God's generosity on full display. God's generosity is no more evident than when He sent His Son to earth as our sacrificial lamb.Biblical generosity impacts eternity, and the cross certainly did. When we give, individuals may hear about and put their faith in Christ because we chose to live with open hands. It's an incredible honor.What is a Christian Financial Counselor (CertCFC)?Christian Financial Counselors help individuals and couples discover and pursue God's design for money. They guide them in making wise financial decisions, building sound financial habits, and increasing their biblical financial literacy.If you're looking for a Christian Financial Counselor (CertCFC) to help you with your finances, go to FaithFi.com and click “Find A Professional.” To learn more about becoming a Certified Christian Financial Counselor (CertCFC), visit ChristianFinancialHealth.com. On Today's Program, Rob Answers Listener Questions:I had about $630,000 in my 401k, which I took out of the market just before the pandemic and put in a safe fund. I'm still deciding whether to return to the market or leave it in the safe fund, which yields about 1.3%. I plan to retire in about two years when I'll be 70 and start collecting my Social Security benefits. What do you recommend I do with the money in my 401k—get back into the market or leave it in the safe fund?Resources Mentioned:The Institute For Christian Financial HealthChristian Money SolutionsBecome A Certified Christian Financial Counselor (CertCFC)Rich 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 had to guess, what would you say is the most generous act of all time? If you said, “The Cross,” you’d be absolutely correct, because Jesus gave His life on the Cross to redeem us. On today's Faith & Finance Live, Art Rainer will join host Rob West to share some thoughts about what the Cross reveals about generosity. Then Rob will answer your calls on various financial topics. See omnystudio.com/listener for privacy information.

Kyle and Matt discuss the importance of the physical and financial health of pastors.Article: https://research.lifeway.com/2024/04/23/most-pastors-are-healthy-and-thats-good-for-churches/Art Rainer: https://www.artrainer.com/

Kyle has a conversation with Art Rainer of Christian Money Solutions. They discuss the importance of being generous with our resources because we serve a generous God. Thinking biblically about money is a skill that will set them up well for the rest of their lives. Giving allows us to live with greater contentment and satisfaction as we come to realize that we are simply stewards of what God has provided to us. Art helps us lean into a biblical worldview of possessions, finances, and money and offers listeners lessons on how we can teach and model the concept of generosity to our children and the teens in our ministries.

Art Rainer is author of the brand new book, “Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.” He's also a frequent contributor here at FaithFi. EVERY SPENDING DECISION IS A SPIRITUAL DECISIONArt Rainer emphasizes Jesus' words that where one's treasure is, their heart will also be.The Bible, with over 2000 verses on money, shows its spiritual significance.Managing money well reflects trust in God's promises and provision.Trusting God with finances is as crucial as trusting Him with one's soul. GOD'S PROMISES:God promises to provide and bless those who give, demonstrating His commitment to bless generosity.Malachi 3:10 highlights God's promise to bless those who bring their tithes, promising abundant blessings as a sign of His faithfulness.He doesn't tell us to give only to leave us hanging. No, he ties a promise to our generosity. He promises to pour out an abundance of blessings.He invites believers to test Him in this, promising blessings that may be financial, material, or spiritual.Generosity becomes part of something greater than our temporary life on Earth. GOD PROMISES HE WILL MULTIPLY: CAN YOU EXPLAIN THIS?The multiplication of the boy's five loaves and two fish in John 6 demonstrates God's ability to multiply what we give, fulfilling His purposes.Like the boy's small offering, our resources can be multiplied by God.This multiplication requires trust in God's ability to use our generosity effectively. GOD PROMISES HE WILL ENRICH: WHAT DOES THIS MEAN?Second Corinthians 9:11 explains God's intention to enrich those who give, enabling them to be generous and bless others.God seeks a good return on investment (ROI) from our giving. In.2nd Corinthians 9:11, Paul writes to those who trust God with their money, yes, you will be enriched in every way so that you can always be generous.He gives so that we can give. He enriches us so we can be conduits of generosity, blessing others. CONCLUSION: GENEROSITY AS AN ACT OF TRUSTGenerosity is not just about giving but trusting God with our finances, demonstrating faith in His provision, multiplication, and enrichment.Generosity shifts our reliance from money to God.By trusting God with our soul, we should also trust Him with our finances, embracing our role as stewards of His resources. Art Rainer's insights remind us that financial stewardship and generosity are integral to our spiritual lives and our maturity in Christ, underlining the importance of trusting God with every aspect of our finances. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I received a settlement offer from my credit card company that's less than my outstanding balance; what should I be aware of if I accept this offer?Fidelity recommended I move my $50,000 savings into a high-yield or money market account; is this the same, and what are the differences?I have a loan from my 401(k) that's now paid off, including interest; does this interest benefit me or go somewhere else?We need a new roof costing $25,000 but don't have the full amount saved; should we take out a loan, and if so, what kind?My car lease is ending next month, and I can buy the car for $18,000; is purchasing it a good investment considering we're planning for a family and I want to avoid further payments? RESOURCES MENTIONED:Find a Certified Kingdom AdvisorFor comparing car values: Edmunds and Kelley Blue Book 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 as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach. 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.

God makes certain promises about giving, to encourage us to be generous and to trust Him without fear. On today's Faith & Finance Live, host Rob West will welcome Art Rainer to talk about the power of the promises God has made to us and how our giving can be an act of trusting Him to fulfill His promises. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

The 8 Money Milestones program is coming to churches around the world. Art and Thom discuss how this new resource could light a fire in your church. The post The 8 Money Milestones and the Local Church: An Interview with Art Rainer appeared first on Church Answers.

If a church could get just ten percent of its members moving toward the eight money milestones, it could be transformed. Generosity would be a natural (supernatural) outgrowth of this reality. The post The 8 Money Milestones and Generosity: An Interview with Art Rainer appeared first on Church Answers.

One of the most common reasons marriages fail is that the husband and wife fight about their finances. Art explains how families would be strengthened by following the 8 Money Milestones. The post The 8 Money Milestones and Healthy Marriages: An Interview with Art Rainer appeared first on Church Answers.

“As we look at Scripture, it becomes obvious that we were designed for more; our money was designed for more.” Art Rainer shares insight from his book, “Money in Light of Eternity,” encouraging believers to remember that God has entrusted us with financial resources for a purpose. Find more from Art and his “8 Money Milestones” at https://www.christianmoneysolutions.com. #NAFWB #BetterTogether #Stewardship #Money #Finances

Art Rainer is Director of the Institute for Christian Financial Health, which administers the Certified Christian Financial Counselor program.  WHAT DO CHRISTIAN FINANCIAL COUNSELORS DO?Christian financial counselors aim to integrate God's design into financial decisions. They guide individuals and couples through making wise financial choices, establishing healthy financial habits, and increasing biblical and financial literacy.They help you understand and pursue God's design for money.They guide you in wise decision-making and developing sound financial habits.They increase your understanding of both biblical and financial principles. WHO NEEDS A CHRISTIAN FINANCIAL COUNSELOR?We actually have a list of signs that may indicate you would benefit from a Christian Financial Counselor:1. Your finances feel out of control. Your finances feel like one big mess. Every month, you are just flying by the seat of your pants. There is no direction, only disorganization. And it stresses you out. You know something must change. A Christian Financial Counselor can help make sense of the mess. They can help you develop financial goals and organize your finances. 2. You need to know what financial step to take next. It feels like you are, financially, just existing. There seems to be no progress in your finances. This is mainly because you have yet to learn what progress looks like. A Christian Financial Counselor can look at your financial situation and suggest wise next steps.3. You need help creating and maintaining a budget. Most of us know that budgeting is a good idea. However, many don't know how to craft a reasonable budget or have struggled to stick with one. This is one of the top reasons individuals and couples seek out a Christian Financial Counselor. A Christian Financial Counselor educates clients on how to craft a budget and keeps them on track.3. You are loaded with debt. The Bible says that debt is a burden. Anyone who has carried debt would agree with this. And as time goes on, the burden of debt feels heavier. A Christian Financial Counselor will review a client's debt and craft a debt payoff plan. Having this plan in place and providing regular check-ins motivate clients to pay off debt more quickly.4. You are regularly arguing about money with your spouse. God designed married couples to operate as one, even in finances. And you want this, but you need help to get on the same financial page with your spouse. Money is not a point of unity but a point of division. A Christian Financial Counselor can help a couple get on the same financial page. They can help couples understand one another money personality and how their past experiences with money are influencing their decisions today.5. You need accountability. You know what to do, but this knowledge only sometimes leads to the right action. You are still tempted to spend money you should save. You still give out of your leftovers. You still add to the credit card balance. Regular meetings with a Christian Financial Counselor can create accountability around your finances. Those feeling overwhelmed or disorganized with their finances might consider seeking a Christian financial counselor. Signs include feeling out of control, struggling with budgeting, being burdened by debt, marital discord over money, or needing accountability in financial matters.WHAT ARE THE COSTS ASSOCIATED WITH CHRISTIAN FINANCIAL COUNSELING?Typically, Christian financial counselors charge an hourly session fee, similar to other counseling services. This investment often leads to significant returns, as clients are more engaged and committed to following the advice given.Most counselors charge an hourly rate, encouraging client commitment.The fees help ensure clients are engaged and complete necessary steps.The return on investment from counseling typically outweighs the cost. WHERE CAN PEOPLE FIND MORE INFORMATION OR SEEK COUNSELING?Visit ChristianFinancialHealth.com. The site offers a directory of certified counselors and information on certification programs. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I am in my 70s with term life insurance and substantial debt; is it wise to drop my life insurance to pay off the loans?I've recently upped my company contributions to 10% for my 401k and am considering a Roth option; should I diversify more outside the company for better returns?I own an older car with some issues and high mileage; when does it make sense to drop the comprehensive part of my insurance?I have $100,000 in an annuity nearing the end of its term; should I reinvest it at a fixed rate or look into online CDs for potentially higher returns? RESOURCES MENTIONED:Sound Mind InvestingChristian Financial Health 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 as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.  Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Do you have someone that you can turn to for trusted financial guidance? Would you believe that almost 40-percent of adults say they don’t? On today's Faith & Finance Live, host Rob West will welcome Art Rainer to talk about a very special program that offers Certified Christian Financial Counselors who can help guide you in your financial stewardship. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

In this episode, Art Rainer addresses two listener questions: one on the fundamental keys to financial health and another on Bitcoin. Join us for practical insights and guidance on improving your financial situation and a quick, fun discission about Bitcoin.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Art Rainer is a regular contributor here at Faith and Finance and the author of several books, including The Marriage Challenge: A Finance Guide for Married Couples. WHAT ARE SOME WARNING SIGNS THAT INDICATE A COUPLE MAY HAVE PROBLEMS WITH MONEY?Frequent heated arguments about money are a major red flag. It's concerning if discussions about budgeting, spending, debt, or giving lead to intense disagreements.Financial infidelity is another critical issue. This includes hiding purchases, maintaining secret bank accounts or credit cards, or exceeding spending limits without informing the spouse.Using money as a weapon in the relationship is a serious concern. This behavior involves controlling or punishing a spouse with money, like giving allowances or withholding funds, and contradicts the unifying purpose of money in a marriage as intended by God.Managing money independently, with separate bank accounts and financial responsibilities, is a warning sign. This approach undermines the biblical concept of marital oneness and can lead to long-term divisions. Rainer suggests that couples facing such issues could benefit from consulting a certified Christian financial counselor, available through FaithFi.com. HOW CAN COUPLES EFFECTIVELY ADDRESS THESE FINANCIAL WARNING SIGNS?Art highlights communication as a key factor in addressing financial issues in a marriage. He refers to the practice of having regular financial discussions — or "money dates" — to maintain open communication and prevent problems like financial infidelity.Implementing a joint approach to finances, rather than managing them independently, is recommended. This approach aligns with the biblical concept of unity in marriage, replacing 'mine' and 'yours' with 'ours.'Using money in a way that fosters unity and supports the advancement of God's kingdom is essential. Money should not be used as a tool for control or punishment in a marital relationship.For couples who feel that separate finances "just work" for them, Rainer warns about the potential long-term risks of such an approach. He advises that even if it seems to work now, it may lead to significant divisions over time.Read Art Rainer's full article on this topic: 6 Signs That Money Is an Issue in Your Marriage ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:  I've already discussed my finances with a kingdom advisor and am in a good position; I'm considering using annuities to leave a legacy for my kids and would like your opinion on this.I'm in my upper 50s and want to buy a house but can't save the recommended 20% down payment; should I use my 401(k) or get a loan from the bank? 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 as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.   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.

Division over money can creep into a marriage without the couple being aware of it at first—or at least aware of the danger it can cause. On today's Faith & Finance Live, Art Rainer joins host Rob West to talk about the 6 signs that indicate money is an issue in your marriage. Then Rob will answer your calls and questions. See omnystudio.com/listener for privacy information.

How can couples navigate the pressures of holiday spending? What steps can pastors take to better manage their finances? When and how should pastors talk about money with their congregation? In this episode, we sit down with Art Rainer to discuss financial stewardship during the holiday season. Let us know how this episode encouraged you! You can send us feedback by emailing us at pastorscenter@sebts.edu.

I bet you've never heard of this person. But you should. And that person can help move your church members and your church toward greater financial health. Come meet that mystery person. We also look at Art's new book, Money in the Light of Eternity: What the Bible Says about Your Financial Purpose. The post The One Person Who Can Transform the Financial Health of Your Church: An Interview with Art Rainer appeared first on Church Answers.

If you are a church leader, do you dread talking about money in church? If the answer is "yes," you are among the great majority who feel that way. Art Rainer shares how you can get your church members to see money in a new light where they will strongly desire to bless the church financially. We also look at Art's new book, Money in the Light of Eternity: What the Bible Says about Your Financial Purpose. The post Looking at Money in the Light of Eternity: An Interview with Art Rainer appeared first on Church Answers.

The Money Challenge is an incredible way to get your church members financially healthy and living according to God's plan. Art Rainer shares how it can be transformative for your church. We also look at two of Art's books: The Money Challenge and his newest book, Money in the Light of Eternity: What the Bible Says about Your Financial Purpose. The post Why Your Church Should Be Taught the Money Challenge: An Interview with Art Rainer appeared first on Church Answers.

Does a pastor's salary matter? If so, to what degree? Art Rainer, president of Christian Money Solutions, joins Sam on this week's episode. They discuss the sensitive subject of money. Ministry can be tough for a variety of reasons, but financial frustrations are often at the top of the list. You can learn more at ChristianMoneySolutions.com. Episode Sponsors:Churchteams:Are you tired of multiple applications for church check-in, giving, membership, and scheduling?Churchteams was built to bring together all your people and data under one umbrella with best-in-class quality features.Get value without compromise. Pricing is simple and based on the number of people in the database. This includes all the essential features so that you can grow into using more without having to pay more. Plans start at $37 per month for churches under 200 people. Get two months free at EST.church!Upward Sports:Upward Sports equips churches to run self-sustaining sports ministries in their communities. Whether you are a sports fanatic, or on staff at a church, Upward Sports will give you all the tools you need to run a first-class sports ministry that allows you to reach families in your community.Upward Sports offers basketball, soccer, flag football, cheerleading, volleyball, baseball and softball through league and camp offerings.At Upward Sports, we want to help your church make a difference, and give you increased opportunities to share the gospel. Learn more today at Upward.org/ChurchAnswers.

TMV Episode 78 - Budgeting Part 2 God owns everything and we are called to be His stewards. By instilling God's financial principles in our families, we help develop a lifelong understanding of stewardship and discipline. In the second part of our discussion about budgeting, our special guest Dr. Art Rainer, is back to explain God's design for our finances. He shares practical wisdom that you can apply to your family's finances. Art highlights how to help our kids learn about the biblical principles of handling money, why you shouldn't catch your kids before they fall, four guiding principles about charitable giving, and tips on making giving practical. Tune in and listen! Key Points From This Episode: How to help kids learn about the biblical principles of handling money. Why letting your children make bad or unwise purchases is a great financial lesson. Charitable giving and how it is incorporated into biblical finances – four guiding principles. Tips on how to make giving (as a principle) practical. How to navigate the four different money personalities with biblical principles: the spender, the saver, the investor, and the ignorer. What happens when you start to align yourself with God's design for money. How to go about creating a will. Tax benefits and how to navigate that through God's design. Links Mentioned in Today's Episode: Art Rainer Art on LinkedIn Art on Instagram Art on X Money in the Light of Eternity: What the Bible Says about Your Financial Purpose Free Resources The Emergency Binder Family Church The Mom Village Email The Mom Village on Instagram Kirra Kelly Kirra Kelly on Twitter Jismarie Ramos Jismarie Ramos on Twitter

TMV Episode 77 - Budgeting - Part 1 We have been placed on earth and entrusted with the resources God has given us, so it's critical to learn to be good stewards of those resources. In this episode, we learn how to incorporate principles like stewardship, generosity, and trusting in God's provision in the financial management of our family budget. Our guest is Art Rainer, a devoted father, and husband to our favorite psychologist, Sarah Rainer. He is a financial advisor and the author of a book called Money in the Light of Eternity: What the Bible Says about Your Financial Purpose. He's going to discuss how to create a family budget that aligns with your long-term financial goals, his thoughts on preparing for unexpected expenses, and the importance of having cushion (or margin) in your budget. Tune in to hear from Art and more about his passion for helping people discover and pursue God's purpose for money. Key Points From This Episode: Creating a family budget that aligns with long-term financial goals while accounting for unexpected expenses. What to do to prepare for unexpected expenses. The importance of establishing a cushion (or margin) in your budget. Getting rid of expenses that are unnecessary. Biblically grounded principles for saving and retirement. Biblical perspective when choosing insurance and recommendations on the policies to get. Links Mentioned in Today's Episode: Art Rainer Art Rainer on Instagram Art Rainer on X Money in the Light of Eternity: What the Bible Says about Your Financial Purpose More Than Money Podcast Free Resources from Christian Money Solutions 8 Money Milestones Family Church The Mom Village Email The Mom Village on Instagram Kirra Kelly Kirra Kelly on Twitter Jismarie Ramos Jismarie Ramos on Twitter

When is enough enough? Art Rainer is the founder of Christian Money Solutions and the author of Money in the Light of Eternity. He joined The Denison Forum Podcast to discuss our collective money problems (and their solutions), seeking contentment in our finances and in our lives, the importance of giving to the church, and more. Topics Art Rainer's testimony | 01:42 Why do Christians struggle to honor God with their money? | 06:00 Why the rich young ruler walked away from Jesus | 11:22 Is enough ever enough? | 17:12 Art's foundational Bible passages | 26:43 What common money problems do Christians often face? | 36:00 Building financial confidence | 47:00 The importance of generosity in the church | 48:57 How the “great wealth transfer” could reach every tribe with the gospel | 55:21 Resources Designed for generosity: An excerpt from Money in the Light of Eternity Unedited transcript Free resources at Christian Money Solutions Money in the Light of Eternity: What the Bible Says about Your Financial Purpose The Money Challenge: 30 Days of Discovering God's Design for You and Your Money ArtRainer.com About Art Rainer Art Rainer is the founder of Christian Money Solutions. He writes and speaks widely about issues related to finance, wealth, and generosity. He is the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money. You can read and hear more from Art at ArtRainer.com. About Dr. Mark Turman Dr. Mark Turman is the Executive Director of Denison Forum and Vice President of Denison Ministries. Among his many duties, Turman is most notably the host of The Denison Forum Podcast. He is also the chief strategist for DF Pastors, which equips pastors and church leaders to understand and transform today's culture. About Denison Forum Denison Forum exists to thoughtfully engage the issues of the day from a biblical perspective through The Daily Article email newsletter and podcast, The Denison Forum Podcast, as well as many books and additional resources.

In this week's Connecting Clip Of The Week, Paul Tripp and Art Rainer discuss how even though the gospel is God's free gift of grace, it costs money to take that gospel across the globe. To hear more of Art's story, check out The Connecting Podcast Ep. 021 wherever you listen to podcasts. You can also watch the video on Paul Tripp's YouTube channel or Facebook page.

In this week's Connecting Clip Of The Week, guest Art Rainer talks about why he thinks the church is so hesitant to talk about money. To hear more of Art's story, check out The Connecting Podcast Ep. 021 wherever you listen to podcasts. You can also watch the video on Paul Tripp's YouTube channel or Facebook page.

In this week's Connecting Clip Of The Week, Paul and guest Art Rainer discuss the importance of parenting a young child's heart. To hear more of Art's story, check out The Connecting Podcast Ep. 021 wherever you listen to podcasts. You can also watch the video on Paul Tripp's YouTube channel or Facebook page.

Money. The thought of it can be overwhelming. The pursuit of it can be addicting.On this month's episode of The Connecting Podcast, we talk about your finances with Art Rainer.Learn how to manage your money practically, wisely, and generously to the glory of God!

Thom and Sam welcome two special guests to the show: Dr. Art Rainer, host of the More Than Money podcast, and Dr. David W. Jones, Professor of Christian Ethics at Southeastern Baptist Theological Seminary. The post Should Christians Give to the Homeless Man on the Street Corner? Money and Ethics: An Interview with Dr. Art Rainer and Dr. Dave Jones appeared first on Church Answers.

I know that you want to live and give generously – but where do you even start? What if you don't have discretionary income to start giving or just aren't sure how to use your money to impact your community? Instead of thinking about your next credit card payment, wouldn't you love to be thinking, “What person or organization can I help today?” Well, I have good news: that's exactly the goal my guest, Art Rainer, has for you.    In today's episode, Art is giving you a practical and actionable game plan to live a generous life—even if you're paying off debt or struggling financially. Plus, Art walks you through the 8 Money Milestones every person must complete if you want to have a generous mindset and feel confident and in control of your finances. Your money, no matter how much you have, can impact your family and the world. Art is going to show you how.   Order your copy of the USA Today and Wall Street Journal bestselling book Good Money Revolution here: https://amzn.to/34hSonE   Ready to take your business to the next level? Schedule a call with Derrick today here: www.GoodMoneyFramework.com/consulting For daily tips to help you make and save money, follow us on Instagram @derricktkinney