Podcast appearances and mentions of Chad Clark

Show Notes – Fortified Life Podcast

Why don't credit cards ever drown? Because they always have a float to keep them afloat!A little humor to start your day, but in reality, credit card float is no laughing matter—it can quietly put you one step behind financially and even lead to unexpected interest charges. Today, Chad Clark joins us to break down what credit card float is and how you can steer clear of its pitfalls.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.What Is Credit Card Float?Credit card float refers to the period of time between when you make a purchase with your credit card and when you actually pay for it. Since using a credit card means borrowing money, this float period allows you to delay paying for purchases—often up to 55 days—without incurring interest, as long as you pay your statement balance in full by the due date.Let's say you purchase a pair of shoes on January 1st, right at the start of your billing cycle. If your statement closes on January 31st, your payment due date might be around February 25th. This means you have up to 55 days from the date of purchase to pay off the expense without interest.At first glance, credit card float sounds like a great deal—after all, you get to borrow money for free for a certain period. However, there's a hidden risk: you might unknowingly be living one paycheck behind.Here's why:If you pay your credit card statement in full each month, you may actually be using this month's income to pay off last month's expenses. This creates a cycle where you always rely on future income to cover past spending.While this system works as long as you have a steady paycheck, it can become problematic if unexpected expenses arise or your income changes.The Best Way to Avoid Credit Card FloatTo determine whether you're unintentionally riding the float, do this quick check:Add up your current credit card balances.Subtract that amount from your checking account balance.If you don't have enough in checking to cover your full credit card balance immediately, you are riding the float.This means if you lost your income tomorrow, you wouldn't be able to fully pay off what you've already spent.To stay financially secure and avoid relying on the float, follow this key principle:Always have enough money in your checking account to fully pay off your credit card balance at any time—not just the statement balance, but the full balance.That way, when your bill arrives, you can pay it without dipping into savings or waiting for your next paycheck.How the FaithFi App Can HelpMany people don't realize they're caught in the float cycle until it's too late. That's where the FaithFi app comes in.FaithFi's envelope system helps users track their spending and ensure they always have enough money set aside to pay off credit card balances in full. Users can ensure they're never one step behind financially by reconciling credit card envelopes within the app.If you want to stay on top of your spending and break free from the credit card float cycle, check out the FaithFi app at FaithFi.com or download it from your app store today.On Today's Program, Rob Answers Listener Questions:My husband had heart surgery in 2021 and is now bedridden and paralyzed, so I had to quit my job to care for him full-time. I'm $20,000 in debt and trying to get help, but the process is slow. I also had a personal loan that went back up to the original $4,000 balance. What can I do in this situation? I need guidance on how to manage this.I had a 401(k) with a company I worked for about 10 years ago. When the company changed names, I kept my funds in the original 401(k) instead of transferring them. But now I can't find that old account anywhere. I've tried searching and contacting different companies but can't locate it. Do you have any recommendations on how I can find this old 401(k) account?I'm 58 and have a 3-year special catch-up contribution opportunity, during which I can contribute double the normal amount. Should I put all this extra into my 457 plan or split it between the 457 and a Roth account? I don't have much in my Roth currently, so I'm deciding whether to put some in the Roth or just contribute it all to the 457 to get the tax deduction.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsUnclaimedRetirementBenefits.com (The National Registry of Unclaimed Retirement Benefits)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

If you’re a credit card user, you may have never heard of “credit card float.” But it’s a real thing and something that affects the way your balance is treated and the timing of your payments. On today's Faith & Finance Live, Rob West will welcome Chad Clark to explain credit card float, how to decipher its effects, and how you can avoid it. Then Rob will answer your calls on various financial topics. See omnystudio.com/listener for privacy information.

Gentry talks with Cecelia Dockery of the Clery Center and Chad Clark, a campus Clery coordinator, about the impact of the Stop Campus Hazing Act.

“Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” - Proverbs 21:20God's Word couldn't be any plainer on the need to live below one's means and to be able to save for the future. To do that, you need a budget. Chad Clark is here to share some interesting facts about budgeting.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. More People Budget Than You Think—But There's a CatchA recent NerdWallet survey revealed that 75% of Americans have a monthly budget. Encouraging, right? However, the same survey found that 84% of those individuals regularly exceed their budget.What happens when people overspend? For 44%, it means relying on credit cards, while 56% dip into their savings. Both paths can lead to financial instability, highlighting the importance of creating a budget that works—and sticking to it.Why Do People Avoid Budgeting?We have heard a variety of reasons why people avoid budgeting, including:“It takes too much time.”“I don't like math.”“I can't stick to it—it feels like a diet.”“I don't need a budget; I'm doing fine.”“It limits my freedom.”Most of these reasons stem from misconceptions about what budgeting truly involves.Busting Common Budgeting MythsHere are a few common misconceptions about budgeting—and the truth behind them:1. “A budget is about cutting expenses.”Not true! A budget is a decision-making tool to help you prioritize spending and make wise financial choices. It's about aligning your spending with your values, not just slashing costs.2. “A budget is too rigid.”Your budget can be as flexible as you need it to be. It's meant to adapt to your circumstances and help you make adjustments when necessary.3. “I don't need a budget because I make enough money.”Even multi-million-dollar companies use budgets! A budget helps you steward what God has entrusted to you, regardless of your income level.How the FaithFi App Can Help You Budget BetterThe FaithFi app is designed to make budgeting accessible, effective, and Christ-centered. Here's how it can help:1. Tailored to Your Money Management StyleThe app offers three different ways to manage your money so you can choose the method that works best for you.2. Establishes Healthy Financial RhythmsWhether you prefer daily check-ins or weekly reviews, the app helps you build habits that keep your finances on track.3. Focuses on More Than MoneyFaithFi integrates financial management with spiritual growth. Its content and community features encourage you to be a faithful steward of God's resources.Ready to Get Started?The FaithFi app is more than a budgeting tool—it's a resource to help you manage your money intentionally and grow in your relationship with the Lord. It's about bringing order to your finances and aligning your decisions with God's principles.Download the FaithFi app today at FaithFi.com or find it in your app store by searching for “FaithFi: Faith & Finance.” Make this the year you take control of your finances and honor God as a faithful steward.On Today's Program, Rob Answers Listener Questions:I separate my giving in three ways—to my church, InTouch Ministries with Charles Stanley, and a ministry that works with autistic children. Is there anything wrong with splitting up my giving like this if that's what's on my heart?I have a self-directed IRA, called a "checkbook IRA," that I used to invest in a rental property. I have both traditional 401(k) and Roth 401(k) savings. When I retire in under two years, I plan to roll my 401(k) into the IRA to pay off the loan on the rental property. Is there any issue with commingling the Roth and traditional 401(k) funds to do this?I've been retired for a number of years, and my one daughter is a few years away from retirement. I would like to know the tax implications if I withdraw the money from my Roth IRA now and give it to her versus letting her accept it as a beneficiary when I pass away. Would she have to pay any taxes on it either way?I have a 14-year-old child and a newborn, and I've opened brokerage accounts for both of them. What are the best investment options, especially for newborns with a longer time horizon? I'm not looking to earmark the money specifically for college, but I want to invest it for their future. What are some good options to consider?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationList Of Faith-Based Investment 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.

"And whatever you do, in word or deed, do everything in the name of the Lord Jesus, giving thanks to God the Father through him." - Colossians 3:17God created man for His glory. That means everything we do should glorify God, including how we manage money. Chad Clark joins us today to talk about how FaithFi is helping God's people be more faithful stewards—all for His glory.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. Why FaithFi's Mission Is CrucialMoney is more than a financial issue—it's a heart issue. Chad explained how money and possessions, as seen throughout Scripture, often lead to pride, greed, and idolatry, drawing hearts away from God. This is just as true today as it was in biblical times.Shockingly, a recent study revealed that 94% of Christians do not hold a biblical worldview, highlighting the urgent need for ministries like FaithFi. Our work centers on equipping and encouraging believers to adopt a biblical perspective on money, helping them move from greed and idolatry to generosity and contentment rooted in treasuring God above all else.A Ministry of ImpactFaithFi's mission comes alive through our various initiatives, including:The Faith & Finance Radio Show and Podcast:Reaching over 1.5 million weekly radio listeners across 1,900 stations and 825,000 podcast downloads annually, this program serves as a daily touchpoint for biblical financial wisdom. The FaithFi App:With over 65,000 members, the FaithFi app is a powerful tool for stewardship. Users engage in a supportive community, gain access to biblical financial professionals, and find resources to help them manage what God has entrusted to them wisely. Studies and Devotionals:New resources like Rich Toward God (a study on the Parable of the Rich Fool) and Look at the Sparrows (a devotional addressing financial fear and anxiety) provide deeper opportunities for spiritual growth and transformation.Your Opportunity to Double the ImpactAs FaithFi continues to expand, we remain committed to equipping Christians to steward their resources for God's glory. None of this would be possible without the generous support of our listeners and partners.This ministry thrives because of your generosity. Right now, every gift is doubled thanks to a matching challenge that ends tomorrow, December 31. Your support fuels resources like the FaithFi app, radio program, studies, and devotionals—reaching more hearts with God's truth.Would you prayerfully consider making a gift today? Visit FaithFi.com/impact to make a difference. Together, we can help more believers treasure God above all else and experience the peace and contentment that comes from living generously.On Today's Program, Rob Answers Listener Questions:I'm retired and converting my traditional IRA to a Roth, following my CPA's advice to go to the top of my tax bracket. I recently learned about accelerated Roth conversions and their potential impact on future taxes, Medicare, and Social Security. I'm not quite an IRA millionaire yet, but I'm getting close. Should I accelerate the Roth conversions, especially before year-end?I turned 66 and a half in June of this year and started receiving Social Security in July. Now that I've reached full retirement age, can I still work and earn unlimited income, or is there a cap on my annual income?I'm a recent high school graduate who will attend college in the fall. I'm deciding whether to get a job and put all the money into savings, living as sparingly as possible, or invest the money to make it work for me during this interim period before college.My husband and I have some basic ideas about teaching our kids, ages 7 to 12, about giving and financial wisdom from the Bible. However, we don't have a structured approach. Do you have any recommended resources or books to guide us in teaching biblical financial principles to kids in this age range?I'm going to be applying for Social Security soon. Is it best to apply for it online, go into the office, or do it by phone? Can I just do the application online?Resources Mentioned:FaithFi.com/impactThe Secret Slide Money Club Series by Dr. Art RainerOpen Hands Finance|Compass Financial MinistrySSA.govLook 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.

God created man for His glory. That means everything we do should glorify God, including how we manage money. On today's Faith & Finance Live, Chad Clark will join Rob West to talk about how FaithFi is helping God’s people be more faithful stewards—all for His glory. Then Rob will answer some questions 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.

If you've ever thought you view the world differently than others—that has probably never been more true.A new study has revealed a sharp drop in the number of Americans with a biblical worldview. Chad Clark joins us today with his insights.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. The State of the Biblical WorldviewRecent findings from the 2023 American Worldview Inventory conducted by Arizona Christian University. This survey, led by Dr. George Barna, polled over 2,000 Americans on topics like marriage, money, and morals. The results were surprising: only 4% of American adults hold a biblical worldview, a percentage that has been on a steady decline. Particularly concerning, just 1% of those under 30 identified with a biblical worldview.The survey further revealed that even among self-identified Christians, only 6% hold a biblical worldview. This means that a significant majority—94%—are influenced more by cultural values than by God's Word.Our Faith Should Transform Our WorldviewWhile these statistics may be disheartening, it's helpful to remember that salvation isn't about having “correct” answers but about grace through faith in Jesus Christ. This faith, rooted in scripture, is meant to shape every aspect of our lives. The Apostle Paul reminds us in Romans 12:2, “Do not be conformed to this world, but be transformed by the renewal of your mind.” We are called not just to know biblical truth but to be transformed by it daily.Renewal of the mind is a daily journey. Psalm 119 encourages us in this pursuit: “In the way of your testimonies, I delight as much as in all riches... I will delight in your statutes; I will not forget your word.” This verse reminds us that God should be our ultimate treasure, surpassing all earthly riches.At FaithFi, we strive to help Christians view God as their ultimate treasure, particularly in an area where many struggle: money. Worldly values often dictate how we perceive and use money, but as believers, we are called to manage it as stewards of God's resources.A biblical worldview impacts not only our values but also how we handle our finances. FaithFi's mission is to teach, equip, and encourage Christians to allow God's Word to shape their views on money. It's not just about learning financial principles—it's about a transformation of the heart that influences how we manage what God has given us.How You Can Make a DifferenceAs we approach the end of the year, we invite you to partner with us in spreading this message. Whether you've been positively impacted by FaithFi's work or are hearing about us for the first time, now is an exciting time to join us. A generous group of donors has set up a $150,000 match, meaning every dollar you give to FaithFi until December 31 will have double the impact.To learn more and to make your contribution, visit FaithFi.com/Impact. Together, we can encourage more Christians to embrace a biblical worldview in every area of life, including finances.Thank you for your support and for joining us in this mission. Every gift matters, and with the match, it can go twice as far!On Today's Program, Rob Answers Listener Questions:I just started Social Security and will soon begin Medicare. I have a small 401(k), $17,000 in credit card debt, and $5,000 in car debt. I need to free up cash flow to afford the $77 monthly Medicare Part B premium. Should I pay off the credit card or car debt first?I am coming up on my second anniversary at work. I have not started investing in the company's 401(k) plan because I'm unsettled about where the money will be invested. I don't believe in certain things, so I don't know how to work around that.My daughter had $100,000 leftover from her 401(k) after her previous company lost a lot of money. She left the company and wants to know if she should put the $100,000 in an IRA or a Roth account.I have a question regarding a good operating budget for my business. If I spend $10 on marketing, what would be a reasonable percentage increase I could expect to make that back? For example, if I pay $10 and make $15 back, what would be a general percentage-wise number that would be reasonable for my business?Resources Mentioned:List of Faith-Based Investment FundsFaithFi.com/ImpactLook 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 a believer, if you’ve ever thought you view the world differently than others—that has probably never been truer than it is today. On today's Faith & Finance Live, Rob West will welcome Chad Clark to share his insights about a new study that has revealed a sharp drop in the number of Americans who hold a biblical worldview. Then Rob will answer your 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.

“​​Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?” - Matthew 6:26God has promised to provide, and He is ever faithful. Knowing that is one thing; believing and living by it is another. Taylor Standridge and Chad Clark join us today to launch a brand new tool to help you overcome financial fear and anxiety. Taylor Standridge and Chad Clark (along with Carolyn Calupca) are the authors of the new FaithFi devotional “Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.” Chad Clark is also the Executive Director of FaithFi: Faith & Finance, and Taylor Standridge is the Production Director of FaithFi: Faith & Finance. Why This Devotional is So ImportantAt FaithFi, we're excited to introduce a brand new resource, Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. This devotional, authored by Taylor Standridge and Chad Clark, with contributions from Carolyn Calupca, addresses one of the most pressing issues many people face today—financial anxiety. This resource is designed to guide you through the challenges of financial fear, helping you find peace and rest in God's promises.Financial anxiety is a struggle that many people face daily. Whether it's on the Faith and Finance radio program, through our app, or in our community, we hear about it all the time. Financial anxiety isn't just about the numbers in your bank account; it runs much deeper, often affecting us on a spiritual level. This devotional was born out of a desire to help people recognize the root of their financial anxieties and to offer practical, biblical solutions that lead to peace.The Structure of the DevotionalThe devotional is beautifully structured into seven sections, each containing three devotionals. Each section begins with a portion of Jesus's Sermon on the Mount, and the following devotionals build on that theme. The sections cover topics like "You Can't Serve God and Money," "Don't Be Anxious About Your Life," and "Seek First the Kingdom of God."But this devotional is more than just a daily reading. It invites you to engage deeply with the content. Each day includes a Scripture passage, a devotional reflection, questions for deeper thought, a guided prayer, and a pivotal truth to ponder throughout the day. By the end of the 21 days, you'll have memorized Matthew 6:19-34, grounding you in God's Word as you navigate your financial journey.The Design Behind the DevotionalThe design of Look at the Sparrows is as thoughtful as its content. We wanted the design to reflect the experience of financial anxiety and the hope that God offers. The black-and-white theme symbolizes the darkness of fear, while a pop of gold represents both worldly treasure and the eternal hope we find in God. This design is intended to draw you into the devotional, helping you to focus on the themes of treasure, trust, and God's provision.Experiencing Peace Through Trust in GodOne of the key messages of this devotional is learning to trust God with your finances, freeing yourself from the grip of anxiety. We often try to control our financial future, but real peace comes when we trust that God knows our needs better than we do. This devotional encourages you to see God as your ultimate treasure, helping you to release your worries and rest in His provision.How to Get StartedWe invite you to dive into Look at the Sparrows and experience the transformation that comes from focusing on God's promises. You can learn more about this devotional and get your copy by visiting faithfi.com/sparrows.If you're looking for even more resources and want to support the work we do at FaithFi, consider becoming a monthly partner. As a FaithFi partner, you'll receive devotionals and studies before they're available to the public, plus you'll help sustain our radio program, podcast, website, and app. It's a meaningful way to invest in the kingdom work we're doing together. Become a FaithFi partner when you give a monthly gift of $35 or more a month to support the mission and ministry of FaithFi: Faith & Finance. Just go to FaithFi.com/give. We hope and pray that Look at the Sparrows will help you break free from the weight of financial fear and anxiety, guiding you toward God being your ultimate treasure as you find peace and rest in Him. Join us on this 21-day journey, and let God transform your perspective on finances and life.On Today's Program, Rob Answers Listener Questions:I have a question about some faith-based brokerage firms. Many larger, more nationally known firms have a broader spectrum of offerings. I'm wondering if you know of one or where I could find information on one that might be better aligned with faith-based investing or more of a morally conservative values approach in many of their products.My husband is considering retiring in a couple of years, but we just realized that his life insurance is with his job, and we don't have any outside of that. Usually, it is a lot more expensive when you search for it outside of your employer. I'd like to see what other options we have. He was just diagnosed with a health condition that would definitely affect his getting life insurance right now.Resources Mentioned:Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyList of Faith-Based Investment FundsRich 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.

God has promised to provide, and He is ever faithful. Knowing and trusting that is one thing; believing it and living by it is another. On today's Faith & Finance Live, host Rob West will welcome Taylor Standridge and Chad Clark to help us launch a brand-new tool you can use to overcome financial fear and anxiety. Then Rob will tackle your financial questions. See omnystudio.com/listener for privacy information.

You've probably heard the saying…“If you aim at nothing, you'll hit it every time.” But do you know who coined it?Christian author and speaker Zig Ziglar is credited with that famous quote. It urges us to set goals and stay on mission. What are our goals, and what's our mission here at FaithFi? Chad Clark fills you in today and invites you to be a part of it all.Chad Clark is the Executive Director of FaithFi: Faith & Finance. Integrating Faith and Finances for God's GloryAt FaithFi, our mission is clear: we aim to equip Christians with the tools and resources they need to integrate their faith with their financial decisions, all for the glory of God. Our vision is that all Christians would see God as their ultimate treasure, placing Him above all else, including money, which often competes for the primary position in our hearts.Money: A Tool, Not a TreasureWe see money for what it truly is—a tool. It is not inherently good or bad, but how we use it can be. At FaithFi, we strive to help you grow in your faith and make wise financial decisions that honor God.Our resources include our radio program, FaithFi.com, the FaithFi app, and our brand-new studies designed to integrate faith and financial wisdom. We receive daily feedback from individuals whose relationships with God have deepened and who have become wiser stewards of His resources through our ministry. Join Us in Our MissionOur fiscal year ends on June 30th, and we are still $50,000 short of our fundraising goal.If you have been impacted by FaithFi and want to help others find the freedom to make God their ultimate treasure and wisely steward His resources, please consider making a donation. You can do so securely online at faithfi.com/give or find our mailing address to send a check.As a token of our appreciation, we will send you a copy of our new study, Rich Toward God, for any gift over $25. This study addresses many of the topics we discuss at FaithFi.To our faithful supporters, we extend our heartfelt thanks. Your partnership is invaluable in this important work. Together, we can continue to help Christians integrate their faith and financial decisions for the glory of God.On Today's Program, Rob Answers Listener Questions:I have $280,000 in an annuity that I've had for over 15 years. It's approaching the point where I have to decide whether to annuitize it or surrender it. If I surrender it, there would be no surrender fee. I'm wondering if I should do that and then put half the money into a money market or high-yield savings account and $140,000 into conservative growth funds to try to get a better return than the 4.1% average I've been getting from the annuity.I have a question about investing for retirement income. My wife and I have both retired, though we still work other jobs. We max out our traditional IRAs each year and have no debt. Our other investments are also doing well. I wonder what you think about focusing on dividend stocks for additional investments past maxing out our IRAs each year to generate retirement income.I have a question about an investment property I'm considering in Decatur, Illinois. It's a mixed-use property with residential and retail units that are currently occupied. The list price was $695,000, but I negotiated it down to $650,000. I plan to put 30% down and take out a loan for the rest. The loans I've been offered are around 7.75-8.5% interest. Given the interest rates and Decatur's declining population, is this a good investment opportunity?As we know, retiring before full retirement age results in an 8% reduction for each year early. I want to know if the annual cost of living increases offset this 8% reduction for taking benefits early.Resources Mentioned:Eventide Dividend Opportunities FundGive To FaithFiRich 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 hear us on the radio, visit our website, and use our FaithFi app, then you have an idea of what we’re all about here at FaithFi. But what are our mission and goals for the future? Join us for today's Faith & Finance Live when host Rob West will welcome Chad Clark to share why FaithFi exists and what we are striving to accomplish in the future. Then Rob will answer some calls about various financial topics. See omnystudio.com/listener for privacy information.

Adventure travel specialist Chad Clark talks about making travel special and an unforgettable experience.

Are you storing up treasures on earth, or in heaven? Are you focused on the temporal or the eternal?In Matthew 6, Jesus clarifies that our hearts will always follow after what we treasure. Was he talking about money? Chad Clark shares his insights with us today. Chad Clark is the Executive Director of FaithFi: Faith & Finance. What does Jesus mean when he says, “For where your treasure is, your heart will be also”? It challenges us to evaluate what we treasure most. It's common for us to say that where our money is, there our hearts will be, and we can sometimes use this to encourage generosity. People can look at their checkbooks to see where their hearts are based. However, there's another way to look at the word “treasure,” which doesn't refer to physical treasure but more to what we value or devote ourselves to. There are parallels between Matthew 6:21 and Matthew 13:44, where Jesus tells us the kingdom of heaven is like treasure hidden in a field that a man found and covered up. Then, in his joy, he sells all he has and buys that field. Now, we see the word treasure here in both of these. But for this man in Matthew 13, nothing is more important, valuable, or glorious than this treasure he has discovered.How is this idea foundational to the way we manage God's money? Jesus follows up this statement in Matthew 6:24, where he says:“No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”Money is a terrible master, but it is a useful tool. Paul David Tripp puts it this way:“Money is one of God's good creations. But a good thing becomes a bad thing when it becomes a ruling thing.” So, the question we need to wrestle with today is, where is our treasure? Is our hope, joy, safety, satisfaction, and identity found in money, and are the things of this world in the person of Jesus?When God is the treasure of our hearts, it completely changes how we view and use money. We see money as a tool for His glory and desire to faithfully steward what He has entrusted to us. That means that our financial decisions may look and probably should look very different from the rest of the world because we aren't here to build our kingdom, but His. Support FaithFi's MinistryIf you'd like to partner with us to help others on their stewardship journey, would you consider supporting FaithFi? A gift of any amount would go a long way to helping us bring this message to more people. A gift of $25 or more would allow us to send you a copy of our new study, Rich Toward God. Just go to faithfi.com/give.  You can also become a FaithFi Partner by giving a gift of at least $35 a month. FaithFi Partners are committed to living out biblical stewardship principles in their lives and desire to see others be good and faithful stewards of God's resources.FaithFi Partner Benefits*:Exclusive quarterly ministry updatesEarly release copy of each FaithFi Study mailed to your door50% discount on additional orders of FaithFi Studies25% discount on FaithFi Pro*Donations of $35/month ($400/year) qualify for FaithFi Partner benefits.On Today's Program, Rob Answers Listener Questions:Does a VA loan have a different appraisal amount than a conventional mortgage?I'm 58 years old and looking to retire between 62 and 65 if I can make it. I do have some savings and some investments. I have an inherited Raymond James brokerage account and about half a million in there. Then, I got a Charles Schwab Roth IRA, primarily invested in NVIDIA for about $100,000. I also have a condo that's paid for that is worth about $260,000. I'm just wondering if it'd be a good idea to cash out what I have in the Raymond James account, just to sit on it for a while and see what the markets do. It feels like the stock markets are just really high right now, and I would hate to go back down at that end to that decrease and lose all those gains that I had made the last couple of years.My wife and I are currently separated. There's a divorce settlement agreement out there, and as I looked through the contract, I noticed that I could keep the house. But I will need to provide $35,000 to her, which I don't have on hand. So to do that and take my wife's name off the mortgage, I will have to refinance. The bad part about that is that I have a really good low rate right now, and the rates for refinancing are not very good currently. I was just wondering if there are any other strategies out there that I could consider, whether dipping into my 401k or anything else, because I want to stay in the house.I have a problem with a law firm that I reached out to to renegotiate some credit card debt and get the interest rates down. Unfortunately, they haven't done anything, and they've been taking $1,500 a month from me. Now I have two lawsuits outstanding. What should I do? Resources Mentioned:Christian Credit CounselorsRich 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 you storing up treasures on earth, or in heaven? Are you focused on the temporal, or the eternal? Jesus makes it clear in Matthew 6 that our hearts will always follow what we treasure. So, was he talking about money? On today's Faith & Finance Live, host Rob West will welcome Chad Clark to share some of his insights about this passage from the Sermon on the Mount. Then Rob will take your calls and answer various financial questions. See omnystudio.com/listener for privacy information.

 On the 197th episode of the GreatBase podcast, Steve Smith speaks with Nomena Raharinosy. To make an understatement, her tennis story is well worth listening to. Her journey with our sport covers three continents. (Africa, Europe, North America)She started in a humble, low-key, no-hype tennis environment in her native Madagascar. From there, she was fortunate to spend several of her formative years in Paris, France. Her next adventure was spending the last two years of her high school days at a Florida-based academy. She was awarded a (US) college scholarship at the end of her junior career. Nomena enjoyed many highlights as a player. One would be representing her country in numerous international events. Another would be becoming a Texas Longhorn for life.While playing for the University of Texas, she won the type of match that would make a movie script. She had the challenge of winning the last match out in the semi-finals of the NCAA national team championships. Her win clinched her team's trip to the final. With the opportunity, the girls wearing Burnt Orange won the coveted national title. Nomena now lives in Canada with her husband and their two children. She runs a business with one of her first childhood tennis friends. She also watches her children work on tennis fundamentals. One connection that helps ensure her confidence in the GreatBase pathway is that she now knows that two boys (Clayton Stanley and Chad Clark) who played at Texas when she did were brought up with the same scientific-based information. 

Proceed with caution when budgeting. Yes, there are some dangers of budgeting, and Chad Clark of FaithFi joins Art to discuss them. Plus, money questions about saving, generosity, and investing are answered in this episode. Resources:8 Money MilestonesAsk a Money Question!

In the episode I get a chance to talk with a friend of mine since I have known from 2009. She shares about her first husband Juan Garza, who was killed while serving his country. And the tremendous impact his life has made on hers. She is currently serving in the US Army and is closing in on 22 years. It was so much fun catching up and hearing about her and all the amazing places she has been too. I hope you enjoy our conversation today. I am also featuring music by : Brandon Maddox : https://brandonmaddoxmusic.com/ I played his song "Last Farm in the USA", as well a little about that song. Chad Clark: https://chadclarkmusic.net/ I played his song "Lord Knows." Lucky Mays : I played his song, "I Found Love" https://linktr.ee/luckymays Clare Cunningham: https://www.clarecunninghammusic.com/ And i played her song "Comfort Zone." Please check out these amazing musicians and perhaps see them in concert somewhere. THANK YOU to my sponsors, I hope you are able to check them out. Lone Star Donuts, located in Silverdale WA, Port Orchard WA, & Poulsbo WA, the number at the Silverdale location is 360-204-5021, they have over 50 flavors. Taquiza & Taquiza Street: These businesses are owned by the same people, They are both located in Silverdale, Taquiza is at the Kitsap Mall & Taquiza Street is a stationary food truck, both serve fantastic authentic Mexican food. Give them a call at for Taquiza call 360-698-4335 or Taquiza Street call 360-200-7315. The 19TH Hole Bar & Grill; a great place, fun atmosphere to check out. With some great tasting food, Tuesday night Tacos, Fish & Chips on Fridays, always great specials and a awesome staff. Stop by or give them a call at 360-813-3501. Check out Chico Chicken & Pizza, great tasting fried chicken and delicious pizza, call and place you order today at 360-550-4041. The Big Apple Diner 360-373-8242- they have over 30 shakes available and great tasting burgers too. Get transported back in time when you eat there, friendly customer service. Also if you are looking to improve your business with some amazing tumblers, t-shirts, signs, stickers, coffee cups & much much more then you have to check out the Dandelion Sticker Company, Amanda can bring you vision to a reality. You can email her @dandelionstickerco@gmail.com or check out her Facebook page and you can see what she has done as well @ https://www.etsy.com/shop/DandelionStickerCo She has created some awesome stickers give her an idea and she can created it. Alex Pablo, he works with local businesses in helps them improve their websites and menu designs as well. He loves helping businesses draw in more customers with his amazing, unique designs. When you head over to my website at WWW.CHITNCHATPODCAST.COM, I have links to each one of these business. You have the ability to click on each on and get more info about each of these AMAZING businesses. And if you are local you could place you order for some very delicious food or connect with them to place an order of whatever you need. Eat Well, Eat Local. If you haven't subscribe or are following the podcast, please do so. You can find us on Spotify, I-Heart Radio, and many other podcasting platforms. Also you can hear the podcast on Total Mixx Radio, which can be heard on WWW.TOTALMIXXRADIO.ORG This podcast is always fun, encouraging and uplifting, I hope you can subscribe and follow, we are also now on Youtube. Thank you for your continued support and encouragement to this podcast and until next time. Until next time, encourage one another. --- Send in a voice message: https://podcasters.spotify.com/pod/show/jody-shuffield/message

In Luke 12, we find Jesus’ challenging parable of the rich fool, which concludes with an invitation to be rich toward God. But what exactly does being rich toward God mean? On today's Faith & Finance Live, Chad Clark will join host Rob West to explore this challenging yet life-giving parable. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

Chad Clark is Executive Director here at FaithFi. WHAT ARE THE DANGERS OF HAVING A BUDGET?A budget, while essential for managing finances, comes with potential dangers such as idolizing money, succumbing to pride, and relying more on the budget than on God.Idolizing money can occur when constant monitoring of finances leads to an excessive focus on money instead of God.Pride can emerge from achieving financial goals, leading to self-boasting rather than recognizing God's provision.Relying too heavily on a budget may restrict following God's promptings that go beyond our financial plans. HOW CAN WE AVOID THESE DANGERS WHILE USING A BUDGET?To safely use a budget without falling into these traps, it is important to renew our minds with God's Word, give thanks to Him for His provisions, and prioritize obedience to God over strict adherence to the budget.Regularly immersing oneself in scripture helps combat the idolization of money by reminding us that God is our ultimate treasure.Acknowledging God as the source of all wealth and success fosters humility and guards against pride.Being flexible with our budget allows us to respond to God's leading, even when it doesn't align with our financial plans, ensuring our trust remains in Him rather than our financial strategies. WHAT IS THE FAITHFI APP AND HOW DOES IT SUPPORT GODLY STEWARDSHIP?The FaithFi app is designed to assist users in managing their finances in a way that honors God, incorporating budgeting tools along with spiritual resources to encourage stewardship that aligns with biblical principles.The app aims to help users steward God's resources effectively while being mindful of the spiritual dangers associated with financial management.By integrating budgeting with spiritual guidance, the FaithFi app encourages users to view money as a tool for God's kingdom, not an end in itself.The FaithFi app supports users in their stewardship journey, helping them to balance financial responsibility with spiritual obedience. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I have enough to hire a financial advisor who uses Charles Schwab. Can I have a faith-based type of investing to avoid supporting companies against my values?I'm paying around $1,300 monthly for a car that's not affordable anymore due to high insurance from accidents. What's the best option for handling this financially overwhelming situation?As a recent homebuyer with a 30-year mortgage at 5.625% and about $140,000 owed, how should I consider refinancing, and what factors should influence my decision?My 17-year-old son is making about $30,000 a year from his first job and wants to know how to invest his money wisely without any current bills to pay. RESOURCES MENTIONED:Schwab Intelligent PortfoliosFidelityHoward Dayton's book Your Money CountsBankrate.com for finding high yield savings accounts for an emergency fund. 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.

It’s important to plan where you’re going, and financially, that plan is called a budget, which helps you decide where your dollars will go. But are there some dangers associated with budgeting? On today's Faith & Finance Live, host Rob West will talk with Chad Clark about the dangers of budgeting. Then, Rob will tackle your calls and financial questions. See omnystudio.com/listener for privacy information.

WHAT HAVE YOU LEARNED FROM YEARS OF EXPERIENCE IN BUDGETING SOFTWARE DEVELOPMENT?Perspective is key in creating and adhering to a budget.Budgeting is often viewed as a necessary but challenging task, similar to a diet.Success in budgeting hinges on understanding the 'why' behind it.Differentiating between your financial goals (what you want to do) and the underlying reasons (why you're doing it) is crucial. AS BELIEVERS, WHAT SHOULD OUR 'WHY' BE IN BUDGETING?Our 'why' should align with scriptural teachings, recognizing God's ownership over everything.Believers should form their own 'why' statements, reflecting a commitment to stewardship based on biblical principles. WHY IS IT IMPORTANT TO START WITH GOD AS OWNER IN BUDGETING AND MONEY MANAGEMENT?Acknowledging God as the owner defines our role as stewards, influencing our financial choices.Seeing ourselves as managers under God's ownership leads to more thoughtful and responsible decision-making. RECOGNIZING GOD AS AN ACTIVE OWNER IN BUDGETING:A passive owner is uninvolved, while an active owner like the Holy Spirit seeks to guide our financial decisions.Recognizing God as an active owner encourages us to seek His wisdom and alleviates the burden of solo decision-making.This perspective leads us to view our financial decisions as part of our stewardship role.It encourages reliance on God for guidance in managing finances, reducing stress and guesswork. HOW DOES THIS UNDERSTANDING RELATE TO BUDGETING PRACTICALLY?Budgeting becomes a tool for stewarding God's resources, rather than just a financial exercise.Understanding our stewardship role enhances commitment to and effectiveness in budgeting. HOW CAN THE FAITH FI APP PRACTICALLY HELP IN MANAGING MONEY?The app provides various systems to fit individual money management styles.It serves as a supportive tool for effective stewardship, adaptable to personal needs.The Faith Fi app is designed to meet diverse financial personalities and challenges.Support from Christian financial counselors and resources is available to overcome past barriers.The app features a digital version of the traditional envelope budgeting system.It allows for carrying forward balances in different categories for planned expenses. HOW CAN MARRIED COUPLES USE THE APP EFFECTIVELY TOGETHER?The app promotes joint financial management, improving communication and decision-making.It helps couples align on stewardship goals, reducing money-related conflicts. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I'm in my 60s and worried about our investments in the stock market after losing money. Should we keep our money there or move it to a safer place due to our age and market uncertainty?I'm looking to get out of credit card debt and have contacted Christian credit counselors, but they don't service Kansas. I'm considering a company that offers to pay back less than what I owe through negotiation, but I'm unsure if this is the right approach. RESOURCES MENTIONED:Christian Credit CounselorsFind a Certified Kingdom Advisor 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.

You know, most of the resolutions we’ve made on New Year’s Day are usually history by Groundhog Day. And what folks need to help them keep their resolutions is accountability. On today's Faith & Finance Live, host Rob West will talk to Chad Clark about a tool we can use to help us with financial accountability. See omnystudio.com/listener for privacy information.

A budget app can be incredibly helpful. But there are a lot of budget apps out there, each with their strengths and weaknesses. Which one should you go with? In this Greatest Hit of 2023, Art talks with Chad Clark of FaithFi about their organization and budget app. Enjoy the conversation and learn more about the budget app we now recommend.

The following is an encore presentation from 2023.Chad Clark is Executive Director here at FaithFi. WHERE DOES STEWARDSHIP BEGIN?Start by envisioning a target with three rings. When we think about stewardship we need to start in the inner circle, the bullseye, which is our heart.At the heart of a good and faithful steward you will find a love and devotion to Christ. Really, it's our identity that is found in Christ as Galatians 2:20 points out “It is no longer I who live but Christ who lives in me”.This is contrary to the world, which is focused on self. When we think of what it means to be a good and faithful steward we must start with Christ and resist the temptation to put ourselves at the center.DOERS OF THE WORDThe outermost ring of this target is APPLICATION.We are in the world but not of the world. We still have bills to pay, and financial decisions to make, but when we make decisions from the inside out, we recognize that God is the owner of everything and our role as stewards is simply to glorify Him with what he has entrusted to us.We built the FaithFi app with this application layer in mind. It's a great tool to help you better understand how you are stewarding God's resources. You can connect your bank accounts, manage your income and expenses, and better understand the financial decisions you need to make.On this program, Rob also answers listener questions: What kind of tax liability might apply to an inheritance?How can you begin building business credit for a relatively young company?What is the wisest way to begin saving and investing for a grandchild?If you use money from a 401k for a downpayment on a home, is that money taxable?RESOURCES MENTIONED:BettermentSchwab Intelligent Portfolios Remember, you can call in to ask your questions most days at (800) 525-7000. Also, 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.

The Bible has dozens of verses about stewardship. But have you ever wondered where stewardship begins? What is it based on? On today's Faith & Finance Live, host Rob West will welcome Chad Clark and they’ll explore the basis of stewardship and what motivates us to practice it. Then Rob will answer some calls on various financial topics. See omnystudio.com/listener for privacy information.

WHAT IS BIBLICAL FINANCIAL STEWARDSHIP ACCORDING TO FAITHFI?Biblical financial stewardship, as FaithFi defines it, is about letting Scripture influence and inform financial decisions. It's not just following financial principles from the Bible, like recognizing God as the owner and ourselves as managers, giving cheerfully, avoiding debt, and planning for the future, but it's also about understanding these principles in the broader context of Scripture. All Scripture ultimately points to Jesus, shaping a deeper relationship with Him. FaithFi's purpose is to help Christians see God as their ultimate treasure, not money or possessions. It's about changing the heart posture, aligning with the idea that where your treasure is, there your heart will be too.It's about letting Scripture guide financial decisions, going beyond mere principles.Understanding financial stewardship in the broader context of the Bible, which points to Jesus.The goal is to see God as the ultimate treasure, changing one's heart towards money and possessions. HOW DOES FAITHFI'S MESSAGE DIFFER FROM THE WORLD'S VIEW ON MANAGING MONEY?FaithFi's approach to managing money contrasts sharply with the world's perspective. The world encourages treasuring money and possessions, almost to the point of idolization. However, FaithFi advocates for viewing money as a tool for God's purposes. The Bible's financial principles are a guide to making decisions that glorify God. FaithFi's mission is to help Christians integrate faith into their financial decisions for God's glory. The ultimate aim is not just financial success or wisdom in money management, but to glorify God through these decisions.FaithFi emphasizes using money as a tool for God's purposes, contrary to the world's view of idolizing wealth.The ultimate goal is God's glorification, not just financial success or following wisdom principles. WHAT IS THE IMPORTANCE OF FINANCIAL SUPPORT FOR FAITHFI AND ITS GOALS?Financial support is crucial for FaithFi to achieve its objectives. They have set a fundraising goal of $250,000 by year-end to extend their message to a larger audience. Contributions are vital for producing content like radio shows, podcasts, and Bible studies that delve into biblical perspectives on money and possessions. Donations also support the FaithFi app and other resources that help integrate faith into financial management. Engaging with and supporting FaithFi allows for the expansion of this ministry, equipping more people with biblical truths for managing their finances.Financial contributions are essential for creating content and expanding FaithFi's reach.Donations support tools like the FaithFi app, aligning financial decisions with faith.Supporting FaithFi helps spread biblical wisdom on finance to a broader audience.If you'd like to make a monthly or year-end gift to this ministry, just go to FaithFi.com and click the “Give” tab. Thank you in advance!  ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:  I have shares from Home Depot and I'm unsure whether to continue holding them or sell them.My husband's 401k from his former employer was with Vanguard, and I've learned that Vanguard, Blackrock, and State Street promote a globalist agenda, which I oppose.My husband and I are working on our will and trust, and we've been advised to only give to our children and grandchildren, not to Christian charities, as giving to charities should be done during our lifetime.RESOURCES MENTIONED:Find a Certified Kingdom AdvisorBook: "Splitting Heirs" by Ron Blue 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.

What words do Christians most want to hear? They could only be, “Well done, good and faithful servant …” from Matthew 25:33—that familiar verse relating the master's pleasure with his faithful steward. On today's Faith & Finance Live, host Rob West will welcome Chad Clark to describe what biblical financial stewardship looks like as we strive to be good stewards in all aspects of our lives. Then, Rob will answer some investing questions.See omnystudio.com/listener for privacy information.

WHAT DOES A "MOVEMENT OF FAITHFUL STEWARDS" LOOK LIKE AND WHAT IS FAITHFI TRYING TO ACHIEVE?FaithFi aims to integrate faith into financial decisions, moving beyond just wise money management. The mission is to help Christians see their finances through the lens of faith, as every aspect of life, including finances, should be influenced by faith. FaithFi supports this integration, recognizing the challenge but stressing its importance. The goal is to guide Christians to be good stewards of their resources.It's about integrating faith and finances, not just being wise with money.FaithFi's mission is to equip Christians to integrate their faith and financial decisions.The goal is to help people be good stewards of God's resources, even in challenging times. HOW DOES FAITHFI DIFFER FROM OTHER FINANCIAL RESOURCES, AND WHAT IS ITS VISION?FaithFi differs from secular financial advice by centering on God, not self. The goal is to replace worldly financial promises with gospel truth, seeing God as the ultimate treasure. This perspective changes financial decisions to reflect one's identity in Christ. FaithFi offers guidance with practical, biblical wisdom and tools, fostering a community of stewards who prioritize God in their financial decisions.FaithFi focuses on a God-centric view, differing from self-focused worldly advice.The vision is to redeem God's design for money, seeing Him as the ultimate treasure.FaithFi guides with biblical wisdom, aiming for financial decisions to express one's faith. WHAT IMPACT DOES FINANCIAL SUPPORT HAVE ON FAITHFI AND ITS INITIATIVES?Financial support for FaithFi fuels various initiatives like the radio show, podcast, and a new Bible study series. It enables the production of content that delves into what the Bible says about money and possessions, aiding in personal growth and reevaluation of money's role in one's life. The FaithFi app, supported by donations, offers tools for wise financial management aligned with faith. Overall, contributions expand the reach of FaithFi, helping more Christians align their finances with biblical teachings.Donations support FaithFi content creation, including radio shows, podcasts, and Bible studies.Financial support enhances tools like the FaithFi app, aligning financial decisions with faith.Contributions expand FaithFi's reach, growing the community of Christians integrating faith and finance.If you've benefited from this ministry and would like to help us reach our goal, please go to Faithfi.com and click Give.ON TODAY'S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS:I'm retired and considering adding a Lady Bird deed to my will for my home, which is worth over $500,000 and fully paid for; what are your thoughts on this?I have purchased three rare coins from the US government; do you think this is a good investment?I have about $30,000 in I Bonds maturing in March 2024, but with decreasing rates, I'm considering withdrawing them before maturity to invest in CDs; is this advisable given my plan to buy a house in summer 2025?As an 83-year-old with over 61 years of stock market experience, I'm considering moving my $2.5 million in stocks and mutual funds into CDs due to distrust in the stock market and for more security; can I do this without paying taxes?I have $10,000 in I Bonds but am contemplating moving them to a higher interest CD with my credit union; is this a wise decision, especially considering I'm leaving for a nonprofit in Thailand? RESOURCES MENTIONED:Find a Certified Kingdom AdvisorChristian Community Credit Union 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.

There’s a growing momentum of Christians that want to be good stewards. Many of us have recognized that it's not just about being wise with money—it’s about our faith influencing our money decisions. On today's Faith & Finance Live, host Rob West will talk with Chad Clark about a movement of faithful stewards and how you can join in. Then Rob will answer your calls and questions. See omnystudio.com/listener for privacy information.

Are you looking for a new budgeting app to help you stay on track? We have good news for you. FaithFi has an incredible budgeting app that can meet your budgeting needs. In this episode, Art talks with Chad Clark from FaithFi about the heart of their company and their budgeting app.Resources:FaithFiCertified Christian Financial Counselor programMoney in the Light of Eternity

God’s Word tells believers to “Be fruitful and multiply and fill the earth.” But these days it seems economics is making that ever more difficult to do. On today's MoneyWise Live, host Rob West will talk with Chad Clark about the rising cost of raising a child. Then Rob will answer your calls and financial questions. See omnystudio.com/listener for privacy information.

Last year, Chad Clark got a new heart. It was an emergency transplant, after a mechanical version failed – the latest in a horrific season of events that began when he was diagnosed with a rare heart virus. The condition has been a surprise motivator. For one thing, the $2 million fee was only partially covered by insurance. Facing massive medical debt, Clark opted to release a remix of the band's 2015 album, Beauty Pill Describes Things as They Are. Touring presents its own issues, in the age of Covid, but Clark presses on, determined to product art and make the most out of his second – and third – chance. Hosted on Acast. See acast.com/privacy for more information.

The Bible has dozens of verses about stewardship. But have you ever wondered where stewardship begins? What is it based on? We'll explore that with Chad Clark on Faith and Finance. Chad Clark is Executive Director here at FaithFi. WHERE DOES STEWARDSHIP BEGIN?Start by envisioning a target with three rings. When we think about stewardship we need to start in the inner circle, the bullseye, which is our heart.At the heart of a good and faithful steward you will find a love and devotion to Christ. Really, it's our identity that is found in Christ as Galatians 2:20 points out “It is no longer I who live but Christ who lives in me”.This is contrary to the world, which is focused on self. When we think of what it means to be a good and faithful steward we must start with Christ and resist the temptation to put ourselves at the center.DOERS OF THE WORDThe outermost ring of this target is APPLICATION.We are in the world but not of the world. We still have bills to pay, and financial decisions to make, but when we make decisions from the inside out, we recognize that God is the owner of everything and our role as stewards is simply to glorify Him with what he has entrusted to us.We built the FaithFi app with this application layer in mind. It's a great tool to help you better understand how you are stewarding God's resources. You can connect your bank accounts, manage your income and expenses, and better understand the financial decisions you need to make.On this program, Rob also answers listener questions: What kind of tax liability might apply to an inheritance? How can you begin building business credit for a relatively young company?What is the wisest way to begin saving and investing for a grandchild? If you use money from a 401k for a downpayment on a home, is that money taxable? RESOURCES MENTIONED:BettermentSchwab Intelligent PortfoliosRemember, you can call in to ask your questions most days at (800) 525-7000. Also, visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach.  

The Bible has dozens of verses about stewardship. But have you ever wondered where stewardship begins? What is it based on? On today's Faith & Finance Live, host Rob West will welcome Chad Clark and they’ll explore the basis of stewardship and what motivates us to practice it. Then Rob will answer the financial questions you want to ask. See omnystudio.com/listener for privacy information.

3:03:29 – Shame On Writers (Alpha Male Project, Attribution NC SA 4.0 International), 99.9 (Pics Frunk, Attribution NC SA 3.0), Train Ride (The Maravines, Public Domain Mark 1.0), Louisville Lou (That Vampin’ Lady) (Arthur Gibbs Gang, 1923, public domain), Unplugged (MyCatIsGreen, Attribution NC ND 3.0), panasonic incoming (Chad Clark, CC 1.0 Universal), Gene and Mary […]

Record Store Day 2023 is April 22, and we're doing two back to back episodes to feature a few of the artists with titles coming out on the big day. In part one, Ivy's Dominique Durand & Andy Chase are here to talk about the late Adam Schlesinger, and their landmark 1997 album Apartment Life, in advance of the RSD 2023 release of the The Apartment Life Demos. Composer, self-styled rhythmatist, and founder of The Police, Stewart Copeland tips his hi-hat about his alter ego Klark Kent, whose self-titled album is reissued on RSD 2023. Beauty Pill mainstay Chad Clark revisits their critically acclaimed 2015 album Beauty Pill Describes Things As They Are, 2000 copies of which are released on RSD 2023. RSD co-founder Carrie Colliton talks about some upcoming RSD events and releases. Go to RecordStoreDay.com for the latest news about all things RSD. Sponsored as always by Dogfish Head Craft Brewery, Tito's Handmade Vodka, and Crosley turntables. Produced, engineered, and hosted by Paul Myers, with theme music and selected interstitial music composed by Paul Myers.

Born in NYC but spending his formative years in Washington DC, Chad Clark's passion for music was born when his dad dropped a pair of headphones on his son's head and introduced him to the Beatles. In the mid-90s, Clark formed the artsy, indie rock outfit Smart Went Crazy with Abram Goodrich and Hilary Soldati, signed with Dischord Records and released an EP and two full lengths - 1995's Now We're Even and 1997's Con Art. Even before Smart Went Crazy's ending, Clark was thinking about his next project, Beauty Pill, which he started with Goodrich in 2001 and continues through this day. With members coming and going over the last 20+ years, Beauty Pill's released two full lengths - 2004's The Unsustainable Lifestyle and 2015's Beauty Pill Describes Things As They Are - and a handful of EPs, most of which have been critically lauded. Earlier this year, Beauty Pill released a double album, Blue Period, consisting of their Dischord output - The Unsustainable Lifestyle and the You Are Right to Be Afraid EP - as well as previously unreleased outtakes and demos. On this episode, Beauty Pill members past (Ryan Nelson) and present (Erin Nelson), join Clark to talk about the last 25+ years of music.   Songs In This Episode: Intro - A Good Day by Smart Went Crazy 6:39 - Goodnight For Real by Beauty Pill Outro - Fugue State Companion by Beauty Pill   Support the podcast, join the DMO UNION at Patreon. Listen to the episode archive at DigMeOutPodcast.com.

When in doubt, a great piece of advice is, Do the next right thing. But you need to know what that is. We'll talk about that today with Chad Clark. Chad Clark is our executive director here at Faith and Finance. On today's program, Chad explains that when we don't follow certain mathematical laws, which God designed, we get the wrong answer, even though we may be convinced we are right. When we don't follow those rules, even if we do part of the equation correctly, the answer is still wrong. Many of us unknowingly do this with our finances. Chad explains: We tend to focus so much on giving, saving, retirement, paying off debt, and our lifestyle, which are all great, but that's only the addition and subtraction side of the equation. These are simply the downstream outcomes of things we need to do first. It's possible for us to be giving 10%, saving 15%, out of debt, on track for retirement and having everything on track financially, but we're getting the wrong answer - even though we believe it's right. LOVE THE LORD Matthew 22:37-39 says, Love the Lord your God with all your heart and with all your soul and with all your mind.'[ This is the first and greatest commandment. And the second is like it: Love your neighbor as yourself.' Loving the Lord your God with all your heart and soul and mind has to come first! There is nothing we should treasure and love more than God. It's out of love for God that everything else flows. We grow in our love for the Lord by spending time with Him in His Word, in prayer, in fellowship with other believers. It may look different for each of us. We long for more of Him. When we by faith set our minds on those things which are above, where Christ sits at the right hand of God , then the things of earth lose their lustre and desirability in comparison John Owen How does this apply to our finances? In every way. When we set our heart and minds on Him our love for Him overflows into all of our financial decisions. Loving Him must be first and primary in our lives, and when we do that, our financial decisions may look very different from the world. Which leads us to the second part of the Great Commandment: Love your neighbor as yourself. LOVE YOUR NEIGHBOR First, let's define neighbor. This can be literally the person next door, in your community, at your church, or on the other side of the world. Jesus answers the question of who is my neighbor in Luke 10 - the Parable of the Good Samaritan, where the Samaritan saw a man beaten on the side of the road and when he saw him it says he had compassion. C.S Lewis puts it this way: Love is not affectionate feeling, but a steady wish for the loved person's ultimate good as far as it can be obtained. When we love our neighbor, we see them, and we're aware of their needs and we desire their ultimate good. 1 John 3:17 says, But if anyone has the world's goods and sees his brother in need, yet closes his heart against him, how does God's love abide in him? Pray and ask the Lord, God help me see the needs of others and help me to love them and to see how I can care for them through the power of your Holy Spirit. There are so many people in our world in need of material assistance, but let us not just look to the material needs of our neighbors but also their spiritual needs - regardless of whether you are helping some personally, or partnering with an organization to provide services around the world, let us not only meet their physical needs but their spiritual needs as well. On today's program, Rob also answers listener questions: ● What are the investment options for rolling over a TSP? ● What options do you have for managing investments with Christian values? Remember, you can call in to ask your questions most days at (800) 525-7000. Also, visit our website at FaithFi.com where you can connect with a FaithFi Coach, join the FaithFi Community, and even download the free FaithFi app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

When in doubt, a great piece of advice is, “Do the next right thing.” But since the order in which we do things can mean success or failure, we need to know how to determine what the next right thing is. On today's Faith & Finance Live, Rob West will welcome Chad Clark to remind us about the importance of the order of operations. Then Rob will answer your calls and financial questions. See omnystudio.com/listener for privacy information.

Our 2023 season is officially underway. This week on the show, Chad Clark of Beauty Pill. He and his bandmate Erin Nelson joined AD in March last year, and on January 20th, Ernest Jenning Record Co. releases Blue Period, a double LP compilation featuring music Clark recorded for the legendary punk label Dischord Records between 2003-2005—including the full-length LP The Unsustainable Lifestyle, the You Are Right To Be Afraid EP, and a whole slew of outtakes, demos, and rarities. When this music was originally released, fans accustomed to Clark's pioneering punk band Smart Went Crazy, early Beauty Pill, or Clark's work with Fugazi and The Dismemberment Plan, wasn't sure what to make of its art-pop ambitions, detours into jazz, and complex lyricism. Clark and Transmissions host Jason P. Woodbury get into all that, and along the way, they touch on his recurring health issues, race, mortality, what it feels like when critics dismiss your work, and much more. Thanks for checking out Transmissions. If you dig the show, please consider leaving a five star rating or a review—or just forwarding your favorite episodes to a friend. We're a part of the Talkhouse Podcast Network. Aquarium Drunkard is powered by its Patrons—if you'd like to become one, visit us on Patreon. Next week on the show: James McNew of Dump and Yo La Tengo.

It's a brand new year and that's always a great time to make changes, and we're excited to tell you about some big ones we're making. We're strengthening the way we express the Christian worldview of faith and finances to be better used by God to advance his Kingdom. In today's Faith and Finance Rob talks about that with Chad Clark. Chad Clark is Executive Director of Faith and Finance. As we took a step back to evaluate the ministry, we've seen a lot happen in the last several years. We've expanded our ministry beyond radio into a full fledged financial ministry, where we not only do the Faith Finance show every day, but we feature the best articles, podcasts and videos on Biblical finance on our website. We have a world class money management app, a community of stewards asking questions and helping each other, we're connecting people with coaches and Certified Kingdom Advisors, and more. As we looked at all the different areas the Lord has called us to serve - and really how he's equipped us to serve we began to realize that we needed a name that communicated that it was more about just being wise with money. We still want God's wisdom in our financial decisions, but there are several other secular organizations out there using the name MoneyWise and people often confused us with those other organizations. So we felt led to evaluate a different way to express what our organization is really about, and it came down to helping people live out their faith in their financial decisions. And so, from this, FaithFi and Faith Finance were born. Our name change reflects that the starting point is allowing our faith to inform our money management. It really comes down to this big idea of whose kingdom are we after? Matthew 6:33 tells us to seek first the kingdom of God and his righteousness. That's HIS Kingdom, HIS righteousness, not ours. When we do, all the things we worry about, God will take care of, because he is good and trustworthy. And He ultimately knows what we need. We're more valuable to him than the birds of the air and the grass of the field - which he takes care of as well. So we aren't to live in fear and anxiety, but to live in the freedom and victory of Christ - through FAITH. So once again it has to start with Faith and seeking His Kingdom. Starting with Learn: FaithFi has a number of resources to help people learn what the Bible says about money, from the Faith and Finance show, to our website and app which have articles, podcasts, and videos on a variety of topics from thought leaders in the area of faith and finance. LISTENER QUESTIONS On today's program, Rob also answers listener questions: ● Should you lend money to a family member if you have concerns about how they handle their money? ● With Social Security on a path to insolvency, how will that affect your financial future? ● How should you balance paying down your mortgage with investing for the future? RESOURCES MENTIONED ON THIS SHOW: Faith and Finance Remember, you can call in to ask your questions most days at (800) 525-7000 or visit our website at FaithFi.com where you can join the FaithFi Community, and download the free FaithFi app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

It’s a brand-new year and that’s always a great time to make changes and the MoneyWise team is excited to tell you about some big ones they’re making. On today's Faith & Finance Live, Rob West will talk to Chad Clark about how they are strengthening the way they express the Christian worldview of faith and finances by taking on a new name for the new year. See omnystudio.com/listener for privacy information.

It's a brand new year and that's always a great time to make changes, and we're excited to tell you about some big ones we're making. We're strengthening the way we express the Christian worldview of faith and finances to be better used by God to advance his Kingdom. In today's Faith and Finance Rob talks about that with Chad Clark. Chad Clark is Executive Director of Faith and Finance. As we took a step back to evaluate the ministry, we've seen a lot happen in the last several years. We've expanded our ministry beyond radio into a full fledged financial ministry, where we not only do the Faith Finance show every day, but we feature the best articles, podcasts and videos on Biblical finance on our website. We have a world class money management app, a community of stewards asking questions and helping each other, we're connecting people with coaches and Certified Kingdom Advisors, and more. As we looked at all the different areas the Lord has called us to serve - and really how he's equipped us to serve we began to realize that we needed a name that communicated that it was more about just being wise with money. We still want God's wisdom in our financial decisions, but there are several other secular organizations out there using the name MoneyWise and people often confused us with those other organizations. So we felt led to evaluate a different way to express what our organization is really about, and it came down to helping people live out their faith in their financial decisions. And so, from this, FaithFi and Faith Finance were born. Our name change reflects that the starting point is allowing our faith to inform our money management. It really comes down to this big idea of whose kingdom are we after? Matthew 6:33 tells us to seek first the kingdom of God and his righteousness. That's HIS Kingdom, HIS righteousness, not ours. When we do, all the things we worry about, God will take care of, because he is good and trustworthy. And He ultimately knows what we need. We're more valuable to him than the birds of the air and the grass of the field - which he takes care of as well. So we aren't to live in fear and anxiety, but to live in the freedom and victory of Christ - through FAITH. So once again it has to start with Faith and seeking His Kingdom. Starting with Learn: FaithFi has a number of resources to help people learn what the Bible says about money, from the Faith and Finance show, to our website and app which have articles, podcasts, and videos on a variety of topics from thought leaders in the area of faith and finance. On this program, Rob also answers listener questions: Should you and your husband buy a $140,000 vacation home in Florida and if you do, should you pay in cash or finance it, if you are retired and living off a pension, Social Security, and a 401k? What should you do with $80,000 of funds you will realize after selling a house you inherited 14 months ago if you have retirement savings, an emergency fund, and a mortgage of $120,000? Do you need to continue to fund a Roth IRA or a traditional IRA if you are currently job-seeking and are planning to retire in the next year? RESOURCES MENTIONED ON THIS SHOW: Faith and Finance Remember, you can call in to ask your questions most days at (800) 525-7000 or visit our website at FaithFi.com where you can join the FaithFi Community, and download the free FaithFi app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

CFB Index is back with Patrick Weider and CJ Frederick filling in for Chad Clark to discuss recruiting, transfer portal and CFB Playoff. --- Support this podcast: https://anchor.fm/brandon-way/support

God's Word tells believers to Be fruitful and multiply and fill the earth. But it seems that economics is making that ever more difficult. We'll talk about it with Chad Clark today. Our guest Chad Clark is normally behind the scenes, making things happen as the Executive Director of MoneyWise. But he's also a keen observer of financial trends, so he joins us today to talk about the rising cost of raising a child. On today's program, Clark shares some interesting statistics about what it costs to be a parent these days. According to the Brookings Institute, a married couple with two children will spend upwards of $310,605 to raise both children thru age 17. Raising kids these days includes a range of expenses: housing, food, clothing, healthcare, child care, diapers, haircuts, and things like sports equipment or dance lessons. And raising kids isn't getting any less expensive. In the short term, inflation is going to continue to play a substantial role. Prices for food at home were up 13.1% in July compared with the year before, adding pressure to household budgets. Even though inflation eased a bit in July, down to 8.5%, food prices continued to climb in July, up 10.9% on an annual basis. Clark shares four financial keys to raising kids: 1. Have a spending plan 2. Track your expenditures 3. Communicate with your spouse 4. Communicate with your children On today's program, Rob also answers listener questions: ● How should you go about preparing to sell your home? ● What is the best way to evaluate a financial advisor? RESOURCES MENTIONED: ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

God's Word tells believers to Be fruitful and multiply and fill the earth. But it seems that economics is making that ever more difficult. We'll talk about it with Chad Clark today. Our guest Chad Clark is normally behind the scenes, making things happen as the Executive Director of MoneyWise. But he's also a keen observer of financial trends, so he joins us today to talk about the rising cost of raising a child. On today's program, Clark shares some interesting statistics about what it costs to be a parent these days. According to the Brookings Institute, a married couple with two children will spend upwards of $310,605 to raise both children thru age 17. Raising kids these days includes a range of expenses: housing, food, clothing, healthcare, child care, diapers, haircuts, and things like sports equipment or dance lessons. And raising kids isn't getting any less expensive. In the short term, inflation is going to continue to play a substantial role. Prices for food at home were up 13.1% in July compared with the year before, adding pressure to household budgets. Even though inflation eased a bit in July, down to 8.5%, food prices continued to climb in July, up 10.9% on an annual basis. Clark shares four financial keys to raising kids: 1. Have a spending plan 2. Track your expenditures 3. Communicate with your spouse 4. Communicate with your children On today's program, Rob also answers listener questions: ● How should you go about preparing to sell your home? ● What is the best way to evaluate a financial advisor? RESOURCES MENTIONED: ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

God's Word tells believers to Be fruitful and multiply and fill the earth. But it seems that economics is making that ever more difficult. We'll talk about it with Chad Clark today. Our guest Chad Clark is normally behind the scenes, making things happen as the Executive Director of MoneyWise. But he's also a keen observer of financial trends, so he joins us today to talk about the rising cost of raising a child. On today's program, Clark shares some interesting statistics about what it costs to be a parent these days. According to the Brookings Institute, a married couple with two children will spend upwards of $310,605 to raise both children thru age 17. Raising kids these days includes a range of expenses: housing, food, clothing, healthcare, child care, diapers, haircuts, and things like sports equipment or dance lessons. And raising kids isn't getting any less expensive. In the short term, inflation is going to continue to play a substantial role. Prices for food at home were up 13.1% in July compared with the year before, adding pressure to household budgets. Even though inflation eased a bit in July, down to 8.5%, food prices continued to climb in July, up 10.9% on an annual basis. Clark shares four financial keys to raising kids: 1. Have a spending plan 2. Track your expenditures 3. Communicate with your spouse 4. Communicate with your children On today's program, Rob also answers listener questions: ● How should you go about preparing to sell your home? ● What is the best way to evaluate a financial advisor? RESOURCES MENTIONED: ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

God's Word tells believers to Be fruitful and multiply and fill the earth. But it seems that economics is making that ever more difficult. We'll talk about it with Chad Clark today. Our guest Chad Clark is normally behind the scenes, making things happen as the Executive Director of MoneyWise. But he's also a keen observer of financial trends, so he joins us today to talk about the rising cost of raising a child. On today's program, Clark shares some interesting statistics about what it costs to be a parent these days. According to the Brookings Institute, a married couple with two children will spend upwards of $310,605 to raise both children thru age 17. Raising kids these days includes a range of expenses: housing, food, clothing, healthcare, child care, diapers, haircuts, and things like sports equipment or dance lessons. And raising kids isn't getting any less expensive. In the short term, inflation is going to continue to play a substantial role. Prices for food at home were up 13.1% in July compared with the year before, adding pressure to household budgets. Even though inflation eased a bit in July, down to 8.5%, food prices continued to climb in July, up 10.9% on an annual basis. Clark shares four financial keys to raising kids: 1. Have a spending plan 2. Track your expenditures 3. Communicate with your spouse 4. Communicate with your children On today's program, Rob also answers listener questions: ● How should you go about preparing to sell your home? ● What is the best way to evaluate a financial advisor? RESOURCES MENTIONED: ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29