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Welcome back to Build Your Bible Habit, where you can listen to a chapter of Proverbs in under five minutes. Reading Proverbs has so many benefits: drawing us closer to God, teaching us how to be better at relationships, helping us with principles of money management, child training, and more! Wisdom makes life better, and you are gaining wisdom as you Build Your Bible Habit! If you are looking for a helpful devotional to add to your collection, Apply: Living What We Learn will give you practical examples in for form of mini-devotions coupled with the simple assignment of reading a daily Proverb. Get this tool HERE:  Apply: Living What We Learn--A 31-Day Devotional by Francie Taylor Visit the Shop at Keep the Heart for books, Bible studies, beautiful Bibles, and more! NEW: Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression by Dr. John W. Vaprezsan Apply: Living What We Learn-A 31-Day Devotional by Francie Taylor FOR COUPLES: Rough Patches: Temporary Marital Tensions by Francie Taylor Vitamins for the Soul: A Study on Maintaining Spiritual Health by Kathy Ashley NEW: Crossbody Sling Bag for Beverage Bottles Support this podcast HERE Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

Many investors are wondering whether the market is getting ahead of itself, especially when it comes to artificial intelligence and technology stocks. But perhaps the better question is not, “Are we in a bubble?” The better question may be, “How should we respond if we are?” That was the focus of today's conversation with Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing. With AI continuing to drive market enthusiasm, many investors are feeling both excitement and concern. The challenge is learning how to respond with wisdom rather than fear. Why Investors Are Concerned About AI and Tech The AI story has been driving markets for several years. One clear example is the tech-heavy Nasdaq, which has risen sharply since the end of the 2022 bear market. More recently, many companies have reported rapid profit growth and have credited AI as a key factor. That has encouraged investors because it shows AI is not merely hype. Companies across many industries are beginning to see real benefits from AI tools, including improved efficiency and increased profitability. At the same time, the demand for AI computing power has caused certain sectors—especially semiconductor stocks—to soar. When any part of the market begins rising almost straight up, investors naturally become nervous. It brings to mind previous market manias that ended in painful declines. Is This Really a Bubble? Calling a bubble in real time is extremely difficult. Even when someone identifies one correctly, acting on that information too early can be costly. Mark pointed to the late 1990s internet bubble as an example. Many investors suspected that Internet stocks were overheated long before the bubble actually burst. Federal Reserve Chairman Alan Greenspan famously warned about “irrational exuberance,” but that warning came more than three years before the market peak. Investors who sold immediately missed significant gains before the downturn finally arrived. That illustrates an important point: even if a bubble is forming, that does not tell investors exactly what to do or when to do it. Markets are forward-looking. Investors are pricing companies not only on current earnings but also on what they believe those companies may earn in the future. If expectations rise dramatically, stock prices often rise with them. So it is possible that some parts of the market, such as semiconductor stocks, may be showing bubble-like characteristics while the broader market does not look as overheated. But the practical question remains: how should investors respond? Avoid Fear-Based Market Timing Most investors would love to avoid downturns without missing the upside. But in practice, that kind of market timing is extremely difficult. Investors often make one of two mistakes. Some sell too early and miss major gains. Others wait too long and sell only after stocks have already fallen, and fear has taken over. That is why a disciplined plan matters. Instead of trying to predict the exact top of the market, wise investors focus on staying invested while managing risk thoughtfully. Historically, some of the market's strongest gains occur late in bull markets. That does not mean investors should ignore risk, but it does mean that fear-based decisions can be costly. Diversification Still Matters One of the most practical ways to manage risk is through diversification. A well-balanced portfolio helps reduce the risk of becoming overly exposed to a single hot sector. Mark offered a helpful way to think about it: if everything you own is rising at the same time, or if nothing you own is rising, you may not be truly diversified. But if some holdings are doing very well while others seem to be lagging, that may actually be a sign that your portfolio is properly balanced. Diversification can feel frustrating when one part of the market is racing ahead. But its purpose is not to maximize every short-term gain. Its purpose is to help investors remain steady through a variety of market environments. Rebalancing Is a Disciplined Way to Manage Risk Another practical tool is rebalancing. When one part of a portfolio has grown significantly, rebalancing allows investors to shift some gains out of fast-rising assets and back into areas that have not run up as much. This helps manage risk without requiring investors to predict the future. Rebalancing also has an emotional benefit. It gives investors a clear process to follow. Instead of asking, “Should I sell everything?” they can simply make measured adjustments in line with their plan. That kind of discipline can help investors avoid impulsive decisions driven by fear or excitement. Keep Reasonable Expectations Investors also need realistic expectations. Markets do not move up in a straight line forever. If you stay invested in strong-performing sectors, there is a good chance you will eventually give back some gains when leadership changes or when a bear market arrives. That is part of investing. The goal is not to avoid every decline. The goal is to participate in the market's long-term growth while managing risk wisely along the way. Even defensive investing comes with trade-offs. Playing defense too aggressively—or too early—can lead to false alarms and missed returns. Staying invested longer may bring more growth, but it also means enduring discomfort when markets pull back. There is no perfect way to avoid every downside while capturing every gain. Know Your Temperament Successful investing is not only about knowledge. It is also about behavior. Investors who tend to do well over time are often those who can remain patient, diversified, disciplined, and emotionally steady in both strong and difficult markets. That is especially important when headlines are filled with bubble talk. Fear can push investors to sell too soon. Excitement can push them to chase what has already risen. Neither is a wise foundation for financial decision-making. A Wise Response to Market Uncertainty When markets look overheated, investors do not have to ignore the risks. But they also do not have to be ruled by them. A wise response begins with a disciplined, diversified, long-term plan. Rebalance periodically. Keep expectations realistic. Understand your own temperament. And avoid making major decisions based on fear, excitement, or the latest market chatter. Markets can stay hot longer than many people expect, and guessing the exact turning point usually creates more problems than it solves. But a thoughtful strategy can help investors respond with wisdom rather than react emotionally. For more on this topic, you can read Mark Biller's article, “How to Handle a Bubble,” at SoundMindInvesting.org. Sound Mind Investing has been helping Christians make biblically informed investing decisions for more than 30 years, offering practical guidance for investors who want to approach the markets with wisdom, discipline, and a long-term perspective. On Today's Program, Rob Answers Listener Questions: I have some very old debts that have been removed from my credit report. I want to handle them ethically and with integrity. Should I try to negotiate reduced settlements with creditors, or should I aim to repay the full amount I originally owed? I have a whole life insurance policy I no longer need because I already have adequate coverage. With a child heading to college in about a year and a half, is there a tax-wise way to use the policy's cash value for college savings? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) | SMI Private Client How to Handle a Bubble by Mark Biller (Article on SoundMindInvesting.org) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In Genesis 11, the people of Babel said, “Let us make a name for ourselves.” That ancient temptation is still alive today. It can surface in seasons of success, when achievement becomes less about serving God and others and more about building a monument to ourselves. Success is not inherently wrong. Scripture commends diligence, wisdom, excellence, and faithful stewardship. But prosperity also brings spiritual danger. It can reveal what is already happening in the heart. That was the focus of today's conversation with Jim Wise, Senior Partner, Senior Private Wealth Advisor, and Director of Ministry Services for Blue Trust in Orlando. Jim is also a Certified Kingdom Advisor® (CKA®), bringing both financial expertise and a deep commitment to biblical stewardship. Jim recently gave a presentation to Kingdom Advisors titled, “My Practice: A Ministry to My Clients or a Monument to Myself?” While the message was directed to financial advisors, the question applies to all of us. Are we using what God has entrusted to us for His glory, or are we quietly building a name for ourselves? The Warning of Saul Jim's message grew out of his study of King Saul. Early in Saul's life, we see humility and dependence on God. He did not begin as a man obsessed with power or reputation. But as he experienced success as king, something changed. What began as humility slowly gave way to pride, arrogance, and self-protection. Eventually, Scripture tells us that Saul went to Carmel and “set up a monument for himself” (1 Samuel 15:12). That image stayed with Jim. Saul's story is not merely an ancient warning about a fallen king. It is a mirror for anyone who has experienced influence, achievement, wealth, or vocational success. Success often does not create pride as much as it exposes it. Jeremiah 17:9 reminds us, “The heart is deceitful above all things, and desperately sick; who can understand it?” Prosperity has a way of bringing hidden desires to the surface. When Pride Replaces Humility Many people begin their careers with a deep sense of dependence on the Lord. They pray for guidance, wisdom, provision, and open doors. But over time, success can distort our vision. We may come to believe that the results are mainly due to our talent, intelligence, discipline, or strategy. Jim described this as “believing our own press clippings.” In a culture that celebrates wealth, platform, and achievement, even a small measure of success can bring attention and praise. That attention is spiritually dangerous if it leads us to forget the Source of all we have. Deuteronomy 8:18 says, “You shall remember the Lord your God, for it is he who gives you power to get wealth.” Everything we have comes from God and belongs to God. Our abilities, opportunities, influence, and resources are entrusted to us. They are not ours to use however we please. Choosing an Advisor: Character Matters This conversation also has practical implications for those choosing a financial advisor. Credentials, experience, and technical knowledge matter. But according to Jim, character matters even more. A highly competent advisor who lacks character may not lead to the kind of relationship or results a client needs. For Christians, it is especially important to find someone who shares a biblical worldview and understands generosity, stewardship, and accountability before God. A faithful advisor does not merely ask, “What can we accumulate?” but “What has God entrusted to you, and how can it be used wisely for His purposes?” That kind of counsel requires more than financial knowledge. It requires wisdom, humility, and a heart submitted to the Lord. Asking the Right Question: Why? Success itself is not the issue. The deeper question is why. Why has God entrusted this platform, business, income, influence, or opportunity to me? What are His purposes for it? What does faithfulness look like in this season? Jim emphasized that successful Christians should not feel guilty for working hard or pursuing excellence. In fact, when resources are stewarded for the kingdom of God, success can become a powerful means of blessing others and advancing the gospel. But we must continually return to the Owner and ask, “What do You want me to do with what You have entrusted to me?” Without that question, success can easily turn inward. Goals become centered on personal achievement, business growth, accumulation, comfort, or reputation, while generosity and kingdom purpose become afterthoughts. When Ambition Replaces Kingdom Purpose One warning sign is when selfish ambition begins to replace kingdom purpose. That may show up in the goals we set. We may have detailed plans for growth, income, retirement, lifestyle, or advancement, but no meaningful goals for generosity, discipleship, service, or eternal impact. That imbalance reveals something important. Our goals often show what we treasure. The issue is not whether we are successful. The issue is whether we are surrendering our success to God. Are we asking how our resources can serve His kingdom, or are we simply trying to secure our own comfort and reputation? Naming the Danger Honestly Words like materialism and idolatry can sound strong, but Jim believes we need to name these dangers honestly. We cannot repent of what we refuse to confront. If someone who loves us sees us drifting toward pride, selfish ambition, or materialism, it is an act of love for them to speak the truth. That kind of accountability is not judgmental when it is rooted in concern for our souls and desire for God's glory. The human heart is remarkably skilled at turning good gifts into ultimate things. That is why we need Scripture, prayer, community, and wise counsel to help us see clearly. Success as a Platform for God's Glory The goal is not to reject success. The goal is to receive it rightly. Every opportunity, every dollar, every relationship, and every platform is entrusted by God. The question is whether we will use those gifts to make a name for ourselves or to make much of Him. The people of Babel wanted to build upward for their own glory. Saul built a monument to himself. But followers of Christ are called to a different path. Real success is not ultimately measured by what we gain, but by who we are becoming in Christ. So as God entrusts us with work, wealth, influence, or opportunity, we should keep asking: Is this becoming a ministry to others, or a monument to myself? That question may be uncomfortable, but it is also a gift. It can help us remember that all we have is from God, belongs to God, and is meant to be used for His glory. On Today's Program, Rob Answers Listener Questions: A couple of years ago, my wife and I enrolled in a debt relief program after medical issues and job loss led us to rely heavily on credit cards. I didn't fully understand that the company would let accounts go to collections before negotiating settlements, and now I'm seeing the downsides—including tax consequences from forgiven debt. Today, my wife was served with papers for one account that hasn't been settled. Do we have to stay in the debt relief program, or can we get out and switch to credit counseling? And what should we know now that a lawsuit is involved? My mother is almost 80 and still has a mortgage. Should I pay it off and put the house in my name in case she needs nursing home care, or should I leave everything as it is and handle it through her estate when she passes? I'm also the executor of her will and want to know what steps, if any, I should take now. Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Blue Trust Breaking the Cycle by John Rinehart (Article in Issue 1 of Faithful Steward Magazine) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever felt like you signed up for one thing... only to find yourself on a completely different path? Maybe you thought a challenge would last a few weeks, but it turned into months. Maybe you expected life to move in one direction, and suddenly everything changed. In this episode, Bonnie shares a remarkable story about a race that went unexpectedly off course—and the surprising lesson it taught her about trusting God through uncertainty. You'll learn one of the most important keys to emotional wellness and resilience during difficult seasons based on research in psychology—and it may surprise you. If you're facing a setback, disappointment, delay, health challenge, or season of unexpected change, this episode will encourage you to keep moving forward with Jesus one step at a time.Key Takeaways— What to do when life doesn't go according to plan— Why unexpected detours don't mean you're on the wrong path— How to keep moving forward when a challenge lasts longer than expected— The difference between resilience and simply trying harder— Why support and connection are essential for emotional wellness— How asking for prayer can strengthen you during difficult seasons— A simple soul care practice to help you stop running aloneBreath PrayerInhale: Let us run with enduranceExhale: Looking to JesusScripture"Let us run with endurance the race that is set before us, looking to Jesus, the founder and perfecter of our faith." Hebrews 12:1–2→ CNN: "9-year-old accidentally won a 10K race"https://www.cnn.com/2019/10/01/us/runner-misses-turn-wins-race-trnd → Free Devotional Gift Download your free devotional: Bonnie’s FREE “Find Your Joy with Jesus: A 4-Day Devotional.”https://thebonniegray.com/findyourjoydevotional/Prioritize self-care the Jesus way and experience rest, renewal, and encouragement for your soul. → Take Bonnie's Soul Care Courses: Breathe Joy with Jesus:Create Happy Wellness Rhythms to Cultivate Joy with God's PromisesRegister at https://thebonniegray.com/soulcareschool/ → Eucalyptus Shower Steamers for instant calm at Bonnie's Soul Care Store Watch YouTube Devotionals:https://youtube.com/thebonniegray Bestselling Books by Bonnie:https://amzn.to/3NpVYQd Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Join Pastor Jeff as we kick off our VBS recap week by exploring one of life's most important questions: Who is Jesus? Discover why Jesus is God's Promised Son, the Messiah, and the Light of the World who leads us to God. Matthew 16:16 16 Simon Peter answered, "You are the Messiah,[a] the Son of the living God."

Falling behind on taxes can feel overwhelming. Maybe you missed one year, then another. Maybe a job change, a divorce, an illness, a death in the family, or a season of financial hardship made it hard to keep up. Or perhaps you started gig work, received a 1099 for the first time, and were surprised to discover that you owed more than expected. Whatever the reason, failing to file your taxes for several years is serious—but it is not the end of the road. The IRS would rather see you come back into compliance than continue avoiding the issue. The most important step is to begin. Kevin Cross has helped many people walk through this very situation, and his counsel is simple: don't panic, don't ignore it, and don't assume it's too late to get help. Start With the Current Year If you have not filed taxes in several years, your first instinct may be to go back to the earliest missed return and start there. But Kevin often recommends a different first step: filing the most recent tax year. The goal is to show the IRS that you are trying to come back into compliance. Filing the current year helps convey that this was not willful neglect but a season when something went wrong, and that you are now taking responsibility. The further behind you are, the harder it can feel to catch up. But beginning with the most recent return can give you a clear starting point and stop the pattern from continuing. Why People Fall Behind There are many reasons someone may stop filing taxes. Some are self-employed or gig workers who receive a 1099 and discover they owe thousands of dollars because taxes were not withheld throughout the year. Others fall behind after a divorce, death, disability, job loss, or another major life disruption. Since the COVID years, many people have also struggled to keep up with their tax responsibilities. Once one year is missed, it can be easy to feel overwhelmed and avoid the next one, too. But avoidance only makes the problem heavier. The path forward begins with gathering information and getting the right help. Not Filing Is Different From Not Paying It is important to understand the difference between not filing and not paying. If you owe taxes, the April deadline matters. You can file an extension to extend the time to file your return, but that extension does not extend the time to pay any tax you owe. However, if you are due a refund, there is generally no penalty for filing late. But there is a time limit. If you wait too long—typically more than three years—you may lose the ability to claim that refund. Some people may not be required to file at all. For example, if Social Security is your only source of income, you generally do not need to file a federal tax return. But the challenge is that many people do not know whether they owe or not until their information is reviewed. Other income can change the picture, such as interest, dividends, retirement distributions, self-employment income, or the sale of a home. Even a home sale that qualifies for the primary residence capital gains exclusion may still need to be reported properly so the IRS understands why no tax is owed. Gather Your Wage and Income Transcripts One practical step is to request a wage and income transcript from the IRS. This transcript shows what the IRS has on file for you, including W-2s, 1099s, mortgage interest forms, retirement distributions, and other tax-related documents. You can request this through the IRS website. Searching for “IRS wage and income transcript” should take you to the right place. This can be especially helpful if you do not have all your old tax documents. It gives you a starting point for reconstructing the missing years. Work With a Qualified Tax Professional While you can download your transcripts yourself, you may not know what to do with them once you have them. IRS transcripts do not look like regular tax forms, and catching up after multiple missed years can involve more than simply filling out returns. That is why Kevin recommends working with a tax professional who understands tax representation and IRS procedures. A qualified CPA, enrolled agent, or tax professional can help determine which years need to be filed and how to communicate with the IRS. According to Kevin, the IRS typically focuses on the past six years when bringing a taxpayer back into compliance. That does not mean every situation is identical, but it does mean you should not simply assume you need to start with a very old return from decades ago. A knowledgeable professional can help you determine the proper path. The IRS Will Work With You Many people avoid filing because they are afraid of what they might owe. But the IRS has options for taxpayers who cannot pay everything at once. Depending on your situation, those options may include a payment plan or, in some cases, an offer in compromise. The key is to take the first step rather than remain silent. Ignoring the problem will not make it disappear. But taking action can begin to restore order, clarity, and peace of mind. A Faithful Step Forward Taxes may not be pleasant, but handling them honestly is part of faithful stewardship. Romans 13:7 says, “Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed.” If you have fallen behind, do not let shame keep you stuck. Begin with the next faithful step. Gather your documents. Request your transcripts. File the current year. Then find a qualified tax professional who can help you walk through the rest. And if you would like to find a trusted financial professional who shares your values, visit FindaCKA.com to connect with a Certified Kingdom Advisor® (CKA®) near you. On Today's Program, Rob Answers Listener Questions: I have about $18,000 in credit card debt. I may have the opportunity to work in Alaska's fishing industry for three months and earn enough to pay it off quickly. Should I contact Christian Credit Counselors before I go, or wait to see how much progress I can make during those three months? I have a Thrift Savings Plan and plan to retire within the next five years. I was told I could roll over part of my TSP into something that would protect the principal, keep it from going down, and still leave my TSP open for contributions. Is that wise, and is it really guaranteed not to lose value? I'm 59 and have contributed to my company's traditional 401(k) for years, with a 50% employer match. I'm near the end of my career and likely at my highest income level. Should I keep contributing to the traditional 401(k), or would a Roth option make more sense? I've been studying the Bible for just over a year and recently began tithing. I want to honor the Lord faithfully, but I'm not sure where the tithe should go. Biblically, who should receive it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Pastor Jeff for our FRI-YAY Shoutout Episode! On this final day of our Faith Question, "How Can We Be Saved?", he explains why Jesus did everything necessary to secure our salvation through His substitutionary death on the cross. Learn what it means to place your faith in Christ and receive the gift of forgiveness and eternal life. John 5:24  "Truly I tell you, anyone who hears my word and believes him who sent me has eternal life and will not come under judgment but has passed from death to life." 

Send us Fan MailA bad marriage can feel like you're trapped in the same house with a stranger, stuck between “I don't want to leave” and “I can't do this anymore.” We go straight at that tension with humility and authority, because we've lived it. After 26 years of marriage and a rough start that nearly ended in divorce, we've learned that a struggling marriage is often less about “the wrong person” and more about missing tools, missing clarity, and missing spiritual covering.We talk through what “bad marriage” really means, from emotional distance and constant tension to loneliness, lack of intimacy, and repeated arguments. We also name the situations that require immediate outside help, including adultery, abuse, and abandonment, and why counseling and wise leadership matter. Then we challenge one of the biggest traps couples fall into: focusing all their energy on changing their spouse. You can't manipulate transformation, but you can take responsibility for your part, rebuild emotional safety, and choose respect when it would be easier to react.We also unpack faith as action, not wishful thinking. That includes building a war room prayer life, refusing the spirit of accusation in your home, and learning to speak life over your spouse and your future. Finally, we lay out seven biblical steps to help turn a bad season around: stop pretending, get clear on what's broken, own your part, stop fighting alone, rebuild safety, reintroduce God, and choose growth over escape.If you're looking for Christian marriage advice, biblical steps to save your marriage, and practical help for a struggling marriage, press play, share this with a friend, and leave a review so more couples can find it.GET THE BETTER MARRIAGE BOOTCAMP HERE:Better Marriage Bootcamp (kenandtabatha.com)Better Marriage 90-Day Devotional:90 Day Better Marriage Devotional - Ken and Tabatha (square.site)DOWNLOAD THE FAMILY MEETING OUTLINE HERE ⬇️https://www.kenandtabatha.com/pl/2148103888

More Christians are asking whether their financial lives reflect their deepest convictions. That question often shapes how we give, spend, save, and invest. But increasingly, believers are also asking another important question: Where should I bank? For followers of Christ, stewardship is not limited to major financial decisions. It includes the ordinary, everyday choices we make with what God has entrusted to us. Banking may seem like a purely practical matter, but it can also become one more way to align our financial lives with our faith. Aaron Caid of AdelFi Christian Banking joined the show today to discuss how everyday banking can reflect biblical values and even support Kingdom work. Why Banking Matters Many believers are becoming more intentional about how their values shape their financial decisions. They want their spending, investing, and giving to honor God. So it makes sense that they would also begin asking thoughtful questions about where they bank and how their bank uses their money. Banking is not just about convenience, rates, or account features. It is also about trust, mission, and stewardship. For Christians, the question is not simply, “Where can I keep my money?” but also, “Can this decision reflect my faith and support work that matters for God's Kingdom?” A Banking Partner with a Christian Mission AdelFi Christian Banking was formed through the merger of Christian Community Credit Union (CCCU) and AdelFi, bringing together a shared commitment to serving believers, churches, ministries, and Christian businesses. That mission shapes the way AdelFi serves its members. Rather than viewing banking as disconnected from faith, AdelFi approaches financial services through the lens of biblical stewardship, long-term relationships, and Kingdom impact. Aaron explained that Christians can honor God not only in how they spend their money, but also in where they keep it. Through AdelFi, member deposits are used to support churches and ministries. Over the years, AdelFi has helped fund more than $1 billion in loans to churches and Christian ministries. Everyday Banking with Kingdom Impact One of the most encouraging reminders from the conversation is that ordinary financial activity can have an impact beyond our own accounts. Member deposits help provide affordable financing for churches, ministries, and Christian organizations. That means everyday banking can become part of a larger mission. Even routine transactions, such as using a debit or credit card, can help support Christian causes. Through AdelFi's card programs alone, nearly $7 million has been donated to Christian ministries and missions. In that sense, banking becomes more than a financial service. It becomes a practical way to participate in Kingdom work. For many Christians, choosing where to bank is also about community and shared values. AdelFi's focus on serving Christians and Christian ministries creates a sense of common purpose. Members know they are partnering with an institution that understands their worldview, stewardship priorities, and desire to make an eternal impact. That shared mission can build trust. It reminds us that money is never merely personal. Our financial choices can either reflect the values of the world around us or be shaped by the wisdom and priorities of God's Kingdom. Faithfulness in Every Financial Decision For someone who has never connected faith with banking, Aaron offered a simple encouragement: start by thinking intentionally about whether your financial decisions truly reflect your faith and values. The goal is not perfection. The goal is faithfulness. As Christians, we are called to steward all that God has entrusted to us—including the way we save, spend, give, invest, and bank. Every financial decision is an opportunity to ask, “How can I honor God with what He has placed in my hands?” Learn More AdelFi Christian Banking is FaithFi's recommended banking partner, offering a practical way to integrate your faith and financial decisions for the glory of God. Right now, AdelFi offers a high-yield money market account earning 4% for 12 months on balances up to $100,000. To learn more, visit FaithFi.com/Banking and enter the code FAITHFI. On Today's Program, Rob Answers Listener Questions: My husband and I are 58, and we're trying to plan wisely for retirement while paying down debt. We owe $225,000 on our home at 3%, with about $150,000 in equity. Our current house is two stories, has no bedroom or full bath downstairs, and includes pool maintenance. We're considering a smaller one-story home in the $350,000–$400,000 range with lower maintenance but a higher mortgage rate and payment. Since our goal is to retire without a house payment, should we move now or stay put and focus on paying down debt? I was laid off two weeks ago and have a little over $50,000 in an old company retirement account. I'd like to roll it into an IRA, but I'm not sure how to do that or who to use. What's the right way to handle the rollover? I wanted to share a testimony about budgeting and tithing. When our three sons were young, our budget was very tight, and I didn't think we could afford to tithe. But my husband felt convicted that we should start, so we added it to the budget in faith. Somehow, the numbers still worked, and it never felt like that 10% was missing. We've continued tithing ever since, and I just wanted to share how the Lord has been faithful as we have honored Him. I'm 66 and have a significant amount of physical silver saved up. I'm considering selling it, but I'm concerned about shipping costs and getting a fair return. What's the best way to sell physical silver and maximize its value? I'm 61, and my husband turns 66 this year. He's considering retiring, going on Medicare, and continuing to work. If he starts Social Security around age 67, can he earn any amount from work without reducing his benefits, or would an earnings limit still apply? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) AdelFi Christian Banking Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Victoria as she interviews her sister and cousin, April, sharing her powerful journey through a brain tumor diagnosis, surgery, and the unwavering faith that carried her through. This heartfelt conversation highlights God's providence, family support, and the transformative power of trusting in Him during life's toughest trials. TOPICSFaith and trust in God's plan during health crisesThe emotional and spiritual journey through a brain tumor diagnosisThe importance of family support and community in healingGod's providence and miracles in modern medicineTrust God's plan even when facing unexpected health crises.Family and community support are vital during difficult times.God's providence can be seen in medical miracles and personal stories.Maintaining faith and hope can transform fear into peace.From Diagnosis to Divine Hope: April's Miraculous Brain Tumor JourneyFaith in the Face of Fear: April's Story of God's Providence"It's a miracle, and miracles are everywhere.""God kept His hand on me through it all.""Nothing takes God by surprise."Chapters00:00 Introduction to Family Dynamics and Personal Struggles01:04 Navigating Anxiety and Medication Decisions05:37 Understanding Health Anxiety and Its Impact08:41 The Journey to Diagnosis: From Symptoms to Scans13:51 Receiving the Diagnosis: A Life-Changing Moment19:21 Surgery and Its Implications: Facing Fears22:55 Reflections on the Experience and Moving Forward23:15 The Importance of Faith in Trials25:53 Personal Stories of Divine Protection28:27 Navigating Anxiety and Trusting God30:48 The Role of Family Support32:39 Miracles in Modern Medicine43:15 The Impact on Family Dynamics46:22 Encouragement for Others Facing Similar Challenges50:29 Embracing Change and Connection52:30 The Power of Community and Faith55:38 Transforming Thoughts and Mindsets59:36 The Impact of Family Legacy01:06:03 Closing Reflections and Prayerkeywordsfaith, brain tumor, surgery, God's providence, family, hope, Christian faith, overcoming fear, medical miracle, spiritual journey

Send us Fan MailHave you been feeling overwhelmed, anxious, distracted, or spiritually exhausted? You're not alone.To celebrate the release of my new devotional, Draw Near: A 7-Day Devotional for the Anxious Heart, I'm inviting you to join me for the FREE 7-Day Draw Near Challenge.For seven days, we'll intentionally seek God through Scripture, prayer, reflection, and practical faith-building exercises designed to help you experience His peace, presence, and guidance in the midst of life's challenges.If you're ready to deepen your relationship with God and discover the encouragement found in His presence, I invite you to join us. Sign up using the link in the show notes, and let's celebrate the launch of Draw Near: A 7-Day Devotional for the Anxious Heart by drawing near to God together.Click here to sign up for the challenge and the devotional (https://preview.mailerlite.io/forms/676729/189296695381592041/share)During the challenge from June 14th to June 20th at 12 PM Eastern on Hustle in Faith's YouTube Channel (https://www.youtube.com/@hustleinfaith)See you there! Support the showLET'S CONNECT! I'm @HustleinFaith on all social networks.

Join Pastor Jeff as he answers the Faith Question, "How Can We Be Saved?" and explains how Jesus fully paid the debt of our sin through His substitutionary death on the cross. Discover why salvation is a gift of grace received only through faith in Christ. Isaiah 53:5  But he was pierced because of our rebellion, crushed because of our iniquities; punishment for our peace was on him, and we are healed by his wounds.   

“Teach us to number our days, that we may gain a heart of wisdom.” — Psalm 90:12 Psalm 90 reminds us that time is a gift from God. Every day we receive is an opportunity to live wisely, love intentionally, and steward the moments entrusted to us. For families with children or grandchildren, summer can be a unique opportunity to do just that. The school year brings its own rhythm and routine, but summer often loosens those structures. That can be a wonderful gift—but it can also bring unexpected challenges. Brian Holtz, CEO of Compass Financial Ministry, knows this firsthand. Brian and his wife, Erica, have four children in school, ranging in age from 8 to 16. Like many families, they welcome the blessing of more time together during the summer months. But they also know that when routines disappear, the days can easily slip away. As Brian puts it, the season that is supposed to feel restful can sometimes become even busier than the school year. That is why his family tries to approach summer with intentionality. Their simple framework is built around three important buckets: work, play, and rest. Work Builds Character Work may not sound like the first thing kids want to think about during summer break, but it is an important part of God's design. Work existed before the fall, and when kept in proper balance, it helps us grow in responsibility, service, and faithfulness. For children, summer provides extra time at home—and often, extra messes around the house. That creates a natural opportunity to teach responsibility through simple household duties. Brian's family calls these “daily duties.” Each child has an age-appropriate task to complete each day. It may be loading or unloading the dishwasher, sweeping the floor, taking out the trash, or helping with another household responsibility. Most of the time, the children can choose when they complete the task, but the expectation is clear: it needs to get done. These small responsibilities may not take much time, but they can help build accountability and a work ethic. They also remind children that being part of a family means contributing to the household's well-being. Each family can decide whether certain chores should be paid or simply expected as part of living together. Either way, the goal is not merely to complete tasks. The deeper goal is to help children understand that work is a meaningful part of life and stewardship. Play Creates Memories Summer is not only a time for work. It is also a time to enjoy the gift of family. Fun matters—not just for children, but for parents and grandparents as well. Many families spend the fall, winter, and spring looking forward to summer, hoping for more time together. But meaningful memories rarely happen by accident. They usually require some planning. Brian's family has a tradition they call the “summer of fun.” They choose a handful of activities they would not normally do during the school year and randomly select one every few weeks. To make it even more exciting, they use a Price Is Right-style spinning wheel to choose the activity. The activities do not have to be expensive. They may include going out for ice cream, visiting a favorite restaurant, having a picnic, or doing something outdoors together. Sometimes, they may include a bigger adventure. One year, Brian's oldest child spun the “big ticket” item—a weekend trip tubing down the Chattahoochee River. The point is not extravagance. The point is intentionality. Simple moments of joy can become lasting memories. And in Brian's family, participation in the “summer of fun” is connected to completing daily duties. That gives the children an added incentive while reinforcing the connection between responsibility and enjoyment. Rest Must Be Prioritized The final bucket is rest. Most parents know that what is fun for kids is not always restful for adults. And what feels restful to adults may not sound fun to kids. But both play and rest are important. God created us with limits. He designed us to work, but not endlessly. He calls us to enjoy His good gifts, but also to slow down and receive rest as a gift from Him. In the busyness of summer activities, camps, trips, and family plans, rest can easily be overlooked. That is why families need to make room for quiet, unhurried time. Sometimes that may mean protecting an evening at home. Sometimes it may mean a slower morning, a Sabbath rhythm, or a break from screens and schedules. Rest reminds us that our worth is not measured by productivity. It teaches children—and reminds adults—that we are dependent creatures who need God's provision, not just our own effort. Stewarding the Summer Well Summer is a gift to stewards. It gives families a unique opportunity to shape character, build memories, and practice rhythms that reflect God's design. Work teaches responsibility. Play creates joy and connection. Rest reminds us to trust the Lord with our time. As Psalm 90:12 reminds us, wisdom begins when we recognize that our days are numbered. We cannot control how quickly the summer passes, but we can choose to receive it as a gift and steward it with purpose. So this summer, consider how your family might make room for work, play, and rest. Not as a rigid formula, but as a faithful way to number your days and seek a heart of wisdom. On Today's Program, Rob Answers Listener Questions: I own a rental house and am starting my second eviction for non-payment. I'm considering selling, though the house is next door to my daughter, and she'd prefer I keep it. I owe about $50,000; it may be worth around $169,000, and it rents for $1,300 a month. Given the market and my family situation, should I sell now or keep it? I have a property owned by a nonprofit that has shut down. I'd like to sell the property and donate the proceeds to a 501(c)(3) church. What steps or forms are required, and is that handled at closing, or are there special rules for selling nonprofit property? I've never invested before, and I don't plan to retire in the traditional sense. How should I think about saving, spending, getting out of debt, and investing? I'd also like to invest in line with my values, but I only have a landline and regular mail—no internet. How can I pursue faith-based investing with those limitations? I'm 60 years old. If I claim Social Security at 62, will my benefit increase at ages 65 or 70, or will I be locked into the lower amount from claiming early? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Compass Financial Ministry Eventide | OneAscent | Timothy Plan Fidelity | Charles Schwab Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Pastor Jeff as he explores what it means that Jesus atoned for our sins and why His sacrifice was necessary to restore our broken relationship with God. Discover how the greatest act of love in history provides forgiveness, hope, and salvation for all who believe. Galatians 1:3-4 3 Grace and peace to you from God our Father and the Lord Jesus Christ, 4 who gave himself for our sins to rescue us from the present evil age, according to the will of our God and Father.

Welcome to Teachback Tuesday, where we play the most popular episodes from previous seasons. This week's episode, "Don't Follow Your Heart" is from our first season in 2021, and it received thousands of downloads. There were many listeners who wanted to know why following their heart was not a good idea. "Follow your heart" is the motto of the times, but popular is not always principled. Proverbs 28:26 warns us that "He that trusteth in his own heart is a fool: but whoso walketh wisely, he shall be delivered." Play foolish games, win foolish prizes. This episode will cover four reasons not to follow our hearts. Share this with your friends, especially if you see them headed for a cliff in life. NEW: Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression by Dr. John W. Vaprezsan Apply: Living What We Learn-A 31-Day Devotional by Francie Taylor FOR COUPLES: Rough Patches: Temporary Marital Tensions by Francie Taylor Vitamins for the Soul: A Study on Maintaining Spiritual Health by Kathy Ashley NEW: Crossbody Sling Bag for Beverage Bottles Support this podcast HERE Follow Keep the Heart on Instagram Like Keep the Heart on Facebook  

“Whom have I in heaven but you? And there is nothing on earth that I desire besides you.” — Psalm 73:25 We spend a lot of time chasing what we think will satisfy. More money. More security. More success. More possessions. But Jesus offers a radically different vision of abundance—one that cannot be measured by what we own. In Luke 12, someone in the crowd approaches Jesus with what sounds like a practical financial request: “Teacher, tell my brother to divide the inheritance with me.” On the surface, it seems reasonable. Inheritance disputes were common, and rabbis were often asked to weigh in on such matters. But Jesus doesn't step into the legal details. Instead, He goes straight to the heart: “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions” (Luke 12:15). That statement would have been startling then, and it's still startling now. The Lie of Possessions Most of us would never say that our lives consist of what we own. But if we're honest, we often live as if it does. We may assume that more money will bring peace, more savings will remove fear, more success will secure our identity, or more stuff will satisfy the longing in our hearts. But Jesus says abundance isn't found there. And notice His warning: “Be on your guard against all covetousness.” This is not only a temptation for the wealthy. Coveting can show up in any income bracket. It can surface when we envy someone else's lifestyle, resent what we don't have, obsess over what we want next, or place our hope in what money can do. That's why money issues are rarely just dollars-and-cents issues. They are heart issues. Where True Abundance Is Found If abundance is not found in possessions, where is it found? Jesus answers that clearly in John 10:10: “I came that they may have life and have it abundantly.” The abundant life is not something Jesus merely points to. It is something He brings. True abundance is found in an abiding relationship with Him. That means abundance is deeper than circumstances. It is possible to have much and still be spiritually empty. It is also possible to have little and still be full of joy, peace, and security in God. The Apostle Paul wrote, “I have learned in whatever situation I am to be content” (Philippians 4:11). His contentment was not rooted in favorable conditions. It was rooted in the sufficiency of Christ. Psalm 23 paints the same picture: “The Lord is my shepherd; I shall not want.” In other words, when the Lord is your shepherd, your deepest needs are met in Him. Possessions Are Gifts, Not Saviors None of this means possessions are bad. The Bible never teaches that money or material things are evil in themselves. They can be gifts from God—tools for provision, generosity, hospitality, and blessing. But they make terrible saviors. That is why financial stewardship begins with worship. Before we ask, “How much should I save?” or “What should I invest in?” or “Can I afford this purchase?” we should ask a deeper question: What am I looking to for life? That question can reshape every financial decision we make. A budget becomes more than a spreadsheet. It becomes a reflection of what we treasure. Saving becomes wise preparation, not a substitute for trust. Giving becomes an act of worship, not a threat to our happiness. Spending becomes more thoughtful because we are no longer chasing fulfillment in things. And success is redefined—not by accumulation, but by faithfulness. Freedom in Christ Maybe today you feel anxious because you haven't reached the number you thought would bring peace. Maybe you feel discouraged because resources are limited. Or maybe you have achieved the goals you once believed would satisfy, only to discover they didn't. Jesus meets each of us with the same loving truth: your life does not consist in the abundance of possessions. It is found in Him. And when Christ becomes your treasure, you are finally free—free from comparison, free from endless striving, free from the fear of not having enough, and free to steward what you have with gratitude, wisdom, and open hands. That is true abundance. Go Deeper If you'd like to go deeper into this powerful teaching from Luke 12, we invite you to pick up a copy of Rich Toward God, our four-week study on the parable of the rich fool. You can order yours today at FaithFi.com/Shop. And if you go through it with your church or small group, bulk discounts are available. That's FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I make about $1,200 a month and may only have around $40 a month to invest. I don't understand investing terms and feel stuck financially. Since Kingdom Advisors may cost money, how can I start investing wisely with just a small amount? My daughter will be traveling through Europe for a few weeks this summer. Do you have a recommendation for travel insurance? I have four or five credit cards I haven't used in years, and I'm concerned about leaving those accounts open. What's the safest way to close unused credit cards without causing problems? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Schwab Intelligent Portfolios® BlueCross Travel Insurance | Allianz Travel Insurance The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark Biller Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Pastor Jeff as he explores the incredible truth that Jesus became our substitute, taking the punishment for our sins so we could be forgiven and restored to a relationship with God. Discover why the cross is the greatest act of love and the foundation of our salvation. 1 Peter 3:18  For Christ also suffered for sins once for all, the righteous for the unrighteous, that he might bring you to God. He was put to death in the flesh but made alive by the Spirit.

“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” — Proverbs 19:17 As Christians, we're called to care for the poor. But what should we do when someone asks us for money on the street? Should we give cash? Offer food? Keep walking? And how do we show compassion without causing harm? Dr. David W. Jones joins us to help answer those questions. He's a senior professor of Christian ethics at Southeastern Baptist Theological Seminary, where he has written extensively on moral, theological, and financial issues. He also completed his PhD with a focus on Christian financial ethics. According to Dr. Jones, the Bible is clear: God's people should never be indifferent to poverty. Jesus says, “Give to the one who begs from you” (Matthew 5:42), and 1 John 3:17 warns against closing our hearts to a brother in need. But the harder question is not whether we should care. It is how we should care wisely. Start With the Heart When we see someone asking for help, our first instinct may be suspicion. We may assume the person is lazy, addicted, unwilling to work, or responsible for their situation. But before deciding what to give, we should examine our own hearts. Dr. Jones describes this as the danger of being “middle class in spirit”—quietly believing we have what we have because we worked hard, while the person in need must have failed. But Jesus calls us to be “poor in spirit” (Matthew 5:3). The gospel reminds us that God did not wait for us to deserve His mercy. “While we were still sinners, Christ died for us” (Romans 5:8). That does not mean every request should be met with cash. But it does mean every person should be met with dignity. Compassion Requires Wisdom Giving cash directly to someone on the street is not necessarily wrong, but it may not always be the best way to help. If the money is used to support addiction or another destructive habit, our gift could unintentionally cause harm. Christian love seeks the good of the other person. That means generosity should be guided by wisdom, not guilt or impulse. One practical option is to offer non-cash help. You might keep granola bars, bottled water, or other simple items in your car. When possible, you could offer to buy a meal. These small acts can meet a real need while reducing the risk of enabling harm. The goal is not to create a rigid rule, but to ask: What is the most loving and responsible way to help in this situation? Do What You Can With What You Know In a brief encounter, you probably will not know someone's full story. You may not know whether their poverty is connected to job loss, addiction, illness, abuse, poor choices, or circumstances beyond their control. God does not require us to know everything. He calls us to be faithful. That means preparing ahead of time, responding with compassion, and helping in the wisest way available. Sometimes that may be food. Sometimes it may be a meal. Sometimes it may be directing someone to a local ministry or shelter equipped to provide deeper care. Think Beyond the Moment Some needs require immediate aid. Others require long-term involvement. If someone is suffering because of a disaster or emergency, immediate help may be exactly what is needed. But when poverty is tied to addiction, exploitation, family breakdown, or long-term instability, a developmental approach is often more effective. That may involve relationships, accountability, recovery, job assistance, counseling, and support from a local church or ministry. Most of us cannot meet every need on our own. But we can support trusted ministries that serve the homeless and poor with both compassion and structure. Start With What Is Closest The needs around us can feel overwhelming. Hunger, homelessness, addiction, and poverty are everywhere. We may want to help everyone, but we cannot. Dr. Jones points to the principle of moral proximity. We are often most responsible for the needs closest to us—our family, church, neighborhood, and local community. You may not be able to solve world hunger. But you may be able to help someone in your church, support a local shelter, serve with a ministry, or build a relationship with someone God regularly places in your path. God has not called you to solve every problem. He has called you to be faithful with what is in front of you. Generosity Reflects the Gospel When someone asks for help, we should not respond with contempt or indifference. We should respond as people who have received mercy. That does not mean giving cash every time. But it does mean asking God for wisdom, treating people with dignity, and being prepared to help in ways that truly serve their good. Biblical generosity is both compassionate and discerning. It refuses to look away from need, but it also seeks to help without causing harm. On Today's Program, Rob Answers Listener Questions: I recently received a personal injury settlement. After paying off our cars and nearly all our debt, my wife and I have about $50,000 in a high-yield savings account, no kids, no mortgage, and only two small interest-free revolving accounts left. I'm 44, earning about $80,000 to $100,000 a year, and my wife earns about $50,000. Should we invest all of this money, or is it okay to enjoy some of it? What investment options should we consider? We have an investment property that's either paid off or could be paid off with cash. Since it's basically our retirement savings and we're around 55, we're trying to decide whether to keep it or sell it. If we sell, is there a way to roll the proceeds into a retirement plan, and how should we think through that decision? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever found yourself waiting for one more sign from God?One more confirmation? One more reassurance? One more reason to feel certain before moving forward.In this episode, Bonnie shares a deeply personal story about one of the hardest decisions she's made in recent years and a surprising discovery about finding peace rather than more answers.You'll discover why indecision can quietly drain your emotional energy and why letting go of even something beautiful may sometimes be part of stepping into a new season with Jesus.If you've been wrestling with a decision, waiting for more confirmation, or feeling stuck between staying and moving forward, this episode will encourage you to trust God's leading and find peace in the next step.Key Takeaways— Why indecision can quietly drain your emotional energy— The difference between having peace in your mind and experiencing peace in your soul— How to recognize when God may be inviting you to take a step of faith— What Isaiah 43 teaches us about God's new work in our lives— The psychology of "flow" and why losing track of time can be a sign of greater wellbeing— A simple soul care practice to help you create space for peace Breath PrayerInhale: See, I am doing a new thingExhale: Do you not perceive it?Scripture"See, I am doing a new thing! Now it springs up; do you not perceive it?I am making a way in the wilderness and streams in the wasteland." Isaiah 43:19→ Free Devotional Gift Download your free devotional: Bonnie’s FREE “Find Your Joy with Jesus: A 4-Day Devotional.”https://thebonniegray.com/findyourjoydevotional/Prioritize self-care the Jesus way and experience rest, renewal, and encouragement for your soul. → Take Bonnie's Soul Care Courses: Breathe Joy with Jesus:Create Happy Wellness Rhythms to Cultivate Joy with God's PromisesRegister at https://thebonniegray.com/soulcareschool/ Take the FREE Soul Care Quiz at soulcarequiz.comGet your personal wellness assessment and learn which area of soul care you need most. → Eucalyptus Shower Steamers for instant calm at Bonnie's Soul Care Store Join the Soul Care Newsletter:https://thebonniegray.com/subscribe Watch YouTube Devotionals:https://youtube.com/thebonniegray Bestselling Books by Bonnie:https://amzn.to/3NpVYQd Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

This week, Pastor Jeff tackles the Faith Question: How Can We Be Saved? Discover why salvation is not something we can earn, but a gift received only through faith in Jesus Christ and His substitutionary death on the cross. Ephesians 2:8-9  For you are saved by grace through faith, and this is not from yourselves; it is God's gift- not from works, so that no one can boast.

What does it take to build love that lasts a lifetime? In this opening message of our new series, Building Love That Lasts, Pastor Ian Buckley takes us back to Genesis 2 and God's original design for marriage. Before sin distorted relationships, God gave us a pattern for covenant love - leave what weakens the marriage, cleave to the covenant He designed, and build a life of faithfulness by His grace.

What if generosity isn't something God wants from you, but something He wants for you? Many people approach generosity with hesitation. They hear the word giving and assume a financial ask is coming. They may wonder if generosity will lead to pressure, obligation, or guilt. But biblical generosity is not meant to be a burden. It is an invitation into joy, freedom, and deeper fellowship with God's heart. Todd Harper, co-founder of Generous Giving, has spent more than two decades helping people discover the joy and freedom of biblical generosity. Through Generous Giving's Journey of Generosity experience, he has seen countless people move from viewing giving as an obligation to seeing it as an opportunity. What Is a Journey of Generosity? A Journey of Generosity, often called a JOG, is a one- or two-day conversational experience designed to help people explore what Scripture teaches about generosity. As Todd likes to clarify, “There's no jogging at a JOG.” Instead, participants gather in a pressure-free environment to consider the biblical truth that “it is more blessed to give than to receive” (Acts 20:35). The experience includes teaching, stories, discussion, and reflection. Rather than focusing on fundraising, it creates space for people to think deeply and honestly about generosity. That pressure-free approach is central to the experience. Generous Giving does not ask participants for money during a Journey of Generosity. The goal is not to raise funds for an organization, but to help people encounter the beauty of biblical generosity. Removing the Pressure Around Giving For many people, conversations about generosity can feel uncomfortable because they assume there is an agenda. They expect that any teaching on giving will eventually lead to an ask. Todd understands that hesitation. In fact, he says Generous Giving has to repeat often that there really is no catch. After 25 years of hosting these experiences, the ministry has built a reputation for creating “no strings attached” conversations about generosity. That matters because when people do not feel pressured, they are more likely to engage honestly. Walls come down. People can focus on God's Word, listen to stories of real-life generosity, and reflect on what God may be inviting them into. Instead of asking, “How much do I have to give?” they begin asking, “What joy might God have for me in a more generous life?” From Obligation to Opportunity One of the most powerful shifts that often happens during a Journey of Generosity is the movement from “ought to” to “get to.” Many Christians know they should be generous. They believe giving matters. They may even give faithfully. But they can still experience generosity primarily as a duty, an obligation, or a sacrifice. Biblical generosity invites us into something deeper. God is not merely trying to take something away from us. He is forming us into people who reflect His character. He is loosening our grip on money and possessions so we can experience greater freedom, joy, and trust. As people hear stories of others living radically other-centered lives, generosity often becomes attractive. It begins to look less like a demand and more like an invitation. That change never gets old for Todd. He says one of the great joys of facilitating these experiences is watching people move from giving grudgingly to giving joyfully. God Wants Something Good for You For someone who is still hesitant, Todd's encouragement is simple: God wants something good for you. He recently facilitated a Journey of Generosity where one participant, who had walked with the Lord for 40 years, said the experience changed his perspective on generosity and made him want to lean in. That is the heart of biblical generosity. It is not about pressure. It is not about guilt. It is not about meeting someone else's agenda. It is about discovering the joy of participating in God's work with open hands. Generosity shapes our hearts because it draws us closer to the heart of God. Scripture reminds us that God Himself is generous. He gives life, grace, mercy, provision, and ultimately, His Son. When we grow in generosity, we reflect the character of the One who has given everything for us. Take the Next Step If you would like to explore biblical generosity in a deeper, pressure-free way, consider learning more about a Journey of Generosity through Generous Giving. This one- or two-day experience is designed to help believers think more deeply about generosity, faithful stewardship, and the joy of living with open hands. To learn more, visit GenerousGiving.org. On Today's Program, Rob Answers Listener Questions: I'm helping settle my mom's estate. Most of it in Ohio is resolved, but a small pension is going through probate in another state, where she passed away. The attorney sent paperwork asking me to waive my right to an estate audit. Is that normal, and should I sign it—especially given past financial misbehavior in the estate? Also, should I hire my own attorney to help me navigate this? I was scammed while looking for remote work online by people claiming to be connected with Temu. They had me rate items, then pushed my balance negative and kept asking me to add money. Now the account supposedly shows $25,000, but they won't let me withdraw unless I pay another $30,000. What should I do? I'm single and interested in charitable gift annuities. Can I set one up so a family member or friend receives income after me, rather than a spouse? I'm considering around $10,000. How would that work, and what should I look for? My husband and I were recently introduced to something called the Starfish program. Are you familiar with it, and how can we evaluate whether it's a good idea? I'm 68; my husband is 61 and still working; and my Social Security benefit is low because I was a stay-at-home mom for much of my life. Can I collect Social Security based on my husband's record, and how would that work for both of us? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Generous Giving | Journey of Generosity (JOG) Federal Trade Commission (ReportFraud.ftc.gov) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today is FRI-YAY and Shoutout Day, and Pastor Jeff reminds us that Jesus came so we would not have to be separated from God forever. Even though sin broke our relationship with God, Jesus came to redeem us and bring us back to Him. Matthew 25:46  And they will go away into eternal punishment, but the righteous into eternal life." 

Send us Fan MailHurt has a way of sneaking into every relationship, and if we don't deal with it, it doesn't just fade. It hardens. Ken and Tabitha Claytor get honest about how emotional wounds, unmet expectations, betrayal, and disappointment can quietly turn into bitterness that reshapes your personality, drains your joy, and poisons your marriage, friendships, and faith.We talk through what hurt really is, why “church hurt” is often just people hurt, and how maturity means learning to stay grounded instead of running from every painful moment. Along the way, we share real stories, name the difference between reacting and responding, and explain how replaying pain without healing creates resentment, cynicism, suspicion, and withdrawal. If you've felt guarded, negative, or constantly bracing for the worst, we help you spot the signs of a bitter root before it spreads.Then we get practical and spiritual. We walk through eight clear steps for healing, including prayer, forgiveness without an apology, choosing safe people to process with, refusing a victim mindset, and using gratitude to starve bitterness. We close with a powerful prayer and daily declarations you can speak to break the cycle and move forward free.Subscribe, share this with someone who's carrying heavy hurt, and leave a review if it helps. What's one wound you're ready to stop replaying and finally heal?GET THE BETTER MARRIAGE BOOTCAMP HERE:Better Marriage Bootcamp (kenandtabatha.com)Better Marriage 90-Day Devotional:90 Day Better Marriage Devotional - Ken and Tabatha (square.site)DOWNLOAD THE FAMILY MEETING OUTLINE HERE ⬇️https://www.kenandtabatha.com/pl/2148103888

Many retirees spend decades building equity in their homes. But could that equity become a wise tool for stewardship in the next season of life? For many people, the words reverse mortgage raise immediate concerns. Some of those concerns come from outdated information, past abuses, or even a sense of guilt about taking on debt later in life. But is it possible that some retirees have dismissed this option too quickly? Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, joined the show today to help separate myth from reality and explain how today's reverse mortgages may fit into a broader financial plan for some homeowners. Why Reverse Mortgages Have a Stigma Reverse mortgages have carried a strong stigma for years, and according to Accola, some of that reputation was deserved. In the past, there were bad products, bad actors, weak regulation, and not enough consumer protections. Those stories have been passed down through families, churches, and communities, shaping the way many people think about reverse mortgages today. But Accola says today's reverse mortgages are very different, especially when handled by qualified professionals and governed by stronger safeguards. Much of the fear surrounding reverse mortgages is based on outdated information. Many people assume that taking out a reverse mortgage means losing ownership of their home. But that is not how the product works. A reverse mortgage is simply a lien on the property. The homeowner does not lose ownership of the home, and monthly payments are not required. Instead, the loan is repaid later, usually when the borrower sells the home, moves out, or passes away. That distinction matters because many retirees may be making decisions based on fear rather than accurate information. Is All Debt Bad Debt? Another common concern is that reverse mortgages are simply “bad debt.” But Accola points out that not all debt functions the same way. Most people would not have been able to build wealth through homeownership if they had waited until they could pay for their first house in cash. A traditional mortgage often allows families to purchase a home, build equity, and create long-term stability. Of course, some debt can be dangerous. Credit card debt, high-interest loans, and unnecessary consumer debt can quickly become burdensome. Proverbs 22:7 reminds us, “The rich rules over the poor, and the borrower is the slave of the lender.” That warning should lead us to approach debt with humility and caution. But a reverse mortgage is different from many other forms of debt because it does not require mandatory monthly payments. That feature may provide flexibility for retirees who are trying to manage cash flow, reduce pressure on investment accounts, or remain in their homes without selling. This does not mean a reverse mortgage is right for everyone. It simply means the question should not be answered by fear or assumptions alone. The better question is whether this tool serves wise stewardship in a specific family's situation. Why Some Christians Feel Guilty For many believers, the hesitation is not only financial—it is spiritual. Some Christians have heard the message that being debt-free automatically makes someone more faithful or responsible. While there is great wisdom in eliminating unnecessary debt, that does not mean every form of debt is morally the same. Accola notes that many retirees still carry mortgage debt into retirement. In fact, many homeowners reach retirement age without having paid off their homes entirely. Others may own their homes but need additional income flexibility. In those situations, shame can become a barrier to wisdom. A retiree may think, “I should have done better,” or “I must not be faithful if I still have a mortgage.” But Scripture does not call us to make financial decisions out of guilt. It calls us to wisdom, prayer, counsel, and trust in God. Stewardship is not about maintaining the appearance of financial success. It is about faithfully managing what God has entrusted to us in this season. For some families, using home equity may be a prudent option. For others, it may not be. But either way, the decision should be made with clarity, not shame. A Tool, Not a One-Size-Fits-All Solution A reverse mortgage should never be treated as a magic solution. It is a financial tool, and like any tool, it can be used wisely or unwisely. For some retirees, it may create breathing room in the budget. It may help them stay in their home. It may reduce the need to sell investments during a market downturn. It may also allow them to preserve other assets for longer. But there are also important considerations. Borrowers need to understand the costs, long-term implications, effect on heirs, and responsibilities that remain with the homeowner, such as taxes, insurance, and maintenance. That is why wise counsel is essential. Proverbs 15:22 says, “Without counsel plans fail, but with many advisers they succeed.” A reverse mortgage decision should involve qualified professionals, trusted family members, and careful prayer. It should also be considered as part of a broader retirement plan, not in isolation. Don't Decide Based on Fear or Rumors Accola's encouragement to listeners was simple: do not make financial decisions based on fear, rumors, or guilt. Instead, get accurate information. Talk with people you trust. Seek guidance from professionals who understand how reverse mortgages work today. And when appropriate, involve your family so they understand your thinking and your goals. A reverse mortgage is not right for everyone. But for some retirees, it may be a helpful part of a broader stewardship strategy. The key is understanding your options. Faithful stewardship does not mean refusing to consider every financial tool. It means asking wise questions, seeking trustworthy counsel, and making decisions that help you manage God's resources with humility and care. For homeowners in retirement, that may include taking a fresh look at home equity—not as a source of security, but as one possible tool to support faithful living in the next season. Learn More If you'd like to learn more about whether a reverse mortgage could be a wise option for your situation, visit FaithFi.com/Movement. Movement Mortgage serves families in all 50 states and can help you understand how today's reverse mortgages work, what safeguards are in place, and whether this tool may fit into your broader financial plan. That's FaithFi.com/Movement. On Today's Program, Rob Answers Listener Questions: I'm 31 and own five properties. I've renovated some myself and built significant equity, but most of my cash is tied up in the homes. Should I sell some properties to free up capital, or hold them, do cash-out refinances, rent them out, and benefit from appreciation and loan paydown? How should I decide between flipping and becoming a landlord? I'm 64 and still working. Because of our income, my wife and I are limited in how much we can contribute to Roth IRAs. I've heard about the backdoor Roth strategy. How does that work, and can the nondeductible IRA contribution go into an existing traditional IRA, or should it be a separate account? I'm trying to pay down my mortgage and a small loan faster. Is it better to make small extra principal payments each month or one larger principal payment once a year? Does it make much difference? I'm 72 and had about $31,000 in credit card debt. After years of disability and financial strain, I called Christian Credit Counselors and started a debt management plan. Now I'm on track to be debt-free in five years, have more usable income each month, and feel encouraged enough to give again. Is it normal to feel this much relief after starting a plan? I'm 61, married, and planning to retire at 67. I have an old employee trust fund with about $8,378 earning 7.5%, plus a traditional IRA with about $3,823. My husband thinks I should roll the trust fund into my IRA. Is that a good idea, especially since it's currently earning 7.5%? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Movement Mortgage Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Victoria shares a personal journey through grief, hope, and faith, exploring how neuroscience and spiritual practices can help us navigate tough seasons. This episode offers practical insights on renewing the mind, cultivating hope, and trusting God's presence in difficult times.BRAIN SUPPLEMENTS Jim and I use:*OMEGA 3s: https://amzn.to/3RFxDLd*CREATINE: https://amzn.to/3ROAQblkey topicsNeuroscience of hope and negativity biasThe role of faith and prayer in mental healthPractical ways to renew the mind and cultivate hopePersonal stories of grief, depression, and healingThe importance of gratitude and intentional thinking

Pastor Jeff teaches that sin separates us from God, even though we were created to know Him and live in His presence. This week's Faith Question reminds us that only through faith in Christ can we be restored to God forever. 2 Thessalonians 1:9  They will pay the penalty of eternal destruction from the Lord's presence and from his glorious strength.

What if giving is not losing at all, but investing in what lasts forever? Jesus tells us in Matthew 6:20 to “store up for yourselves treasures in heaven.” That one command reshapes the way we think about money, possessions, and generosity. Wealth can be dangerous when it owns us, but when it is surrendered to God, it can become a powerful tool for eternal good. Randy Alcorn, bestselling author and founder of Eternal Perspective Ministries (EPM), has spent decades helping Christians think biblically about money, possessions, generosity, and eternity. His message is both sobering and hopeful: wealth is a test, but it can also become a tool for God's Kingdom. Money Reveals the Heart Money has a powerful influence on our spiritual lives because it reveals what we truly value. Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.” The way we handle money is not separate from our discipleship. It shows what we trust, what we prioritize, and where our affections are directed. As Alcorn explains, money is not spiritually insignificant. It has power. Either it will serve God, or we will find ourselves serving it. That is why Scripture speaks so directly about the danger of loving money. In 1 Timothy 6:9–10, Paul warns that “those who desire to be rich fall into temptation, into a snare,” and that “the love of money is a root of all kinds of evils.” He goes on to say that some have wandered from the faith and pierced themselves with many griefs. Those are sobering words. Money is a good gift from God. It can provide for needs, bless families, support ministry, and help those who are suffering. But when it becomes the object of our trust or the center of our affections, it competes with God for our hearts. Wealth Is Both a Tool and a Test The danger of wealth is real, but it is not the whole story. Money surrendered to God can be used in deeply meaningful ways. It can help advance the gospel. It can meet practical needs. It can support Bible translation, provide clean water, help rescue those trapped in exploitation, care for the vulnerable, and strengthen the work of the local church. Money is not the source of transformation—God is. But God often uses the resources of His people to accomplish His purposes in the world. That is why faithful stewardship begins with surrender. We come before the Lord and say, “This all belongs to You. What do You want me to do with it?” When wealth is surrendered to God, it loses its grip on our hearts and becomes an opportunity to participate in His redemptive work. Giving Is Investing in Eternity Jesus' command to store up treasures in heaven reframes generosity. Giving is not merely parting with money. It is investing in what lasts. Alcorn compares this to investing in a company. When you own shares, you naturally begin to pay attention. You read the reports. You notice the headlines. Your interest follows your investment. The same principle applies spiritually. When we put our resources toward the things of God, our hearts begin to follow. If we want to care more deeply about our church, missions, the poor, or the work of the gospel, one practical step is to invest our time, energy, and money there. Generosity does not only bless the recipient. It reshapes the giver. It moves our hearts toward the Kingdom of God. Generosity Produces Joy In Acts 20:35, Paul reminds the Ephesian elders of Jesus' words: “It is more blessed to give than to receive.” That does not mean giving is merely a duty. It means generosity leads to joy. The generous life reflects the heart of God, who gives freely and abundantly. Grace itself is rooted in God's giving nature. When we give, we are not simply checking off a spiritual responsibility. We are participating in the generosity of God. That is why giving can loosen anxiety, deepen purpose, and bring joy. The world often defines “the good life” as having more, spending more, and pursuing personal comfort. But Scripture points us toward a better way. In 1 Timothy 6:18–19, Paul urges the wealthy “to do good, to be rich in good works, to be generous and ready to share,” so that they may “take hold of that which is truly life.” The good life is not found in accumulation. It is found in generosity. Defining Enough One of the most important steps in faithful stewardship is learning to define enough. Without a finish line, we can easily assume that every increase in income is meant to raise our lifestyle. But many of us already have more than we need. The question is not simply, “What can I afford?” but “What has God entrusted to me, and how does He want me to use it?” A financial finish line helps create margin for intentional Kingdom-focused generosity. It keeps accumulation from becoming automatic. It invites us to ask better questions about contentment, purpose, and eternal impact. Everything we own is temporary. Possessions wear out. Trends fade. What once felt essential can quickly become clutter. That does not mean material things are evil, but it does mean they cannot bear the weight of our hope. Giving helps break the hold that money and possessions can have on our hearts. Giving Is Not Losing Wealth is both a tool and a test. When we cling to it, it can pull us away from dependence on God. But when we surrender it, money can become a means of worship, service, and eternal investment. Generosity reminds us that God is our ultimate treasure. It trains our hearts to trust Him. It frees us from the illusion that more money will finally make us secure. And it allows us to participate in the work God is doing in the world. Giving is not losing. In the Kingdom of God, giving is investing in what lasts forever. On Today's Program, Rob Answers Listener Questions: I live in a 55-plus community in a manufactured home on leased land. We own the home but not the land, which belongs to the community owner. Would a reverse mortgage be possible in this situation, or would a manufactured home on leased land qualify? I have both a traditional IRA and a Roth IRA for retirement, but I'm not retired yet. Why am I required to take RMDs from my IRA at age 72 or 73, even if I'm still working? Do Roth IRAs have RMDs? And how much can my husband and I give through Qualified Charitable Distributions to help reduce taxes? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Money, Possessions, and Eternity by Randy Alcorn The Treasure Principle, Revised and Updated: Unlocking the Secret of Joyful Giving by Randy Alcorn Giving Is the Good Life: The Unexpected Path to Purpose and Joy by Randy Alcorn Eternal Perspective Ministries (EPM) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pastor Jeff teaches today that eternity lasts forever without end, far longer than anything we can imagine. Our Faith Question reminds us that the choice we make about Jesus on earth affects our forever. 1 John 1:17   The world and its desires pass away, but whoever does the will of God lives forever. 

Welcome back to Build Your Bible Habit, where you can listen to a chapter of Proverbs in under five minutes. Proverbs are wisdom-building tools given to us by God so that we would know how to handle the issues of life. We don't have to make things up as we go along. We've got a spiritual GPS: "God's Positioning System" found in His Word.  Proverbs 2:6 is an inspiring verse for your week, proving that God gives us wisdom: "For the LORD giveth wisdom: out of his mouth cometh knowledge and understanding." (Proverbs 2:) NEW: Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression by Dr. John W. Vaprezsan Apply: Living What We Learn-A 31-Day Devotional by Francie Taylor FOR COUPLES: Rough Patches: Temporary Marital Tensions by Francie Taylor Vitamins for the Soul: A Study on Maintaining Spiritual Health by Kathy Ashley NEW: Crossbody Sling Bag for Beverage Bottles Support this podcast HERE Follow Keep the Heart on Instagram Like Keep the Heart on Facebook  

Work is not merely a way to make a living. It is also one of the primary ways we love our neighbors. Whether you lead a company, teach a class, manage a home, serve in your church, care for children, volunteer in your community, or invest resources for the future, God has entrusted you with influence. That influence is not accidental. It is part of your stewardship. We often think of stewardship in financial terms—and rightly so. But God has given us more than money to steward. He has also entrusted us with skills, relationships, opportunities, knowledge, experience, and influence. Dr. Amy Sherman has spent years helping Christians see their daily work as a means of seeking the common good and participating in God's redemptive mission in the world. She calls this vocational stewardship—the faithful use of our work and influence to reflect God's character, serve others, and contribute to the flourishing of the world around us. What Is Vocational Stewardship? Vocational stewardship begins with the recognition that our work is a gift from God. He has given each of us certain abilities, opportunities, networks, and positions of influence. Some of those gifts are expressed through paid employment. Others are expressed through volunteering, homemaking, caregiving, mentoring, leadership, or service. In every case, the question is the same: How can I use what God has entrusted to me for His purposes? Our work is not simply a platform for earning income. It is a platform for reflecting the kingdom of God. It is one of the places where discipleship becomes visible. That means vocational stewardship is not limited to pastors, missionaries, or people in explicitly ministry-related roles. It applies to business owners, teachers, nurses, engineers, artists, parents, retirees, tradespeople, administrators, and everyone else seeking to serve God faithfully where He has placed them. Wherever we are, God invites us to ask: How can my work help others experience something of His goodness, justice, beauty, compassion, and care? More Than Integrity at Work Faithful work certainly includes character. Christians should be honest, dependable, compassionate, and hardworking. We should do our work with integrity, humility, and excellence. But vocational stewardship presses us to go a step further. It asks us not only to consider how we do our work, but also what our work contributes. What does my work make possible for others?  How does it affect employees, customers, clients, families, communities, or creation?  Does it contribute to healing, order, beauty, justice, provision, or human flourishing? Does it help people experience a small glimpse of what God intends for His world? These questions help us see work as part of God's larger redemptive purposes. A Foretaste of God's Kingdom Scripture gives us a beautiful picture of the future God is bringing about—a renewed creation where there is no more suffering, corruption, injustice, or death. God's kingdom will be marked by peace, wholeness, abundance, community, intimacy with Him, and restored relationships. Vocational stewardship asks: How can my work today offer others a small foretaste of that coming reality? That may sound lofty, but it can become very practical. A business owner might create flexible schedules for employees who are single parents, allowing them to care well for their children. An architect might help clients choose safer building materials and energy-efficient designs that promote health and care for creation. A teacher might create a classroom where students feel seen, challenged, and encouraged. A manager might cultivate a workplace marked by fairness, dignity, and trust. These are not small things. They are glimpses of God's kingdom breaking into ordinary places through ordinary faithfulness. Every Vocation Matters You may be working full-time, raising children at home, caring for aging parents, leading a company, serving in retirement, or volunteering behind the scenes. Whatever your situation, you have been entrusted with something. You have skills, wisdom, relationships, experience, and influence. Vocational stewardship is not about having a certain title. It is about asking, “Where has God placed me, and how can I use what He has given me to serve others?” That question can change the way we see daily life. Work becomes more than a task list. Leadership becomes more than authority. Parenting becomes more than a responsibility. Retirement becomes more than leisure. Investing becomes more than preparation for the future. All of life becomes an opportunity to reflect Christ. Investing as Vocational Stewardship Vocational stewardship also affects the way we think about money—especially investing. Many people view investing primarily as a way to grow wealth and prepare for the future. Those are legitimate concerns. Wise financial planning is part of good stewardship. But investing is also about deploying capital into companies that shape communities, culture, and the marketplace. When we invest, we are helping determine which companies grow and thrive. That means Christians can ask deeper questions about what their investments support. What does this company produce? How does it treat employees? Does it contribute to the well-being of communities? Does it view profit as a means of serving people, or as the ultimate goal? These questions do not eliminate the need for wise financial analysis. But they do remind us that investing is not morally neutral. Our financial decisions can reflect what we value and whom we seek to serve. For someone new to this idea, the first step is simple: become more aware of what you own. Look at the companies represented in your portfolio. Over time, consider whether your investments align with your values and contribute to the kind of world you believe honors God. Work as a Place of Discipleship God deeply cares about our work. Since we spend so much of our lives working, our discipleship must show up there, too. Our workplaces, homes, investments, and communities are not separate from our faith. They are places where we are formed into the image of Christ and where we can embody the good news of the gospel. That does not mean every workday will feel spiritually significant. Much of faithful stewardship looks ordinary: answering emails, making decisions, serving customers, preparing meals, managing employees, helping a neighbor, or showing up with patience when the work is hard. Every act of honesty, compassion, creativity, courage, justice, and service can become a way of reflecting God's character. Faithfulness Where God Has Placed You Your work matters to God. He has placed you where you are for a reason, and He has given you work to do—not only for your provision, but also for the good of others. Vocational stewardship invites us to see our influence differently. Instead of asking only, “What can I earn?” we begin asking, “How can I serve?” Instead of viewing work only as a source of income, we begin to see it as a calling to love our neighbors. And as we do, even our ordinary work can become a glimpse of the world God is making new. On Today's Program, Rob Answers Listener Questions: My father-in-law has EE savings bonds that matured in 2023 and are no longer earning interest. Because he has a substantial income, he's considering giving us the bonds so we can cash them in and take on the tax liability instead. Is that allowed, and is it the best way to handle the bonds given his income and tax situation? My company is allowing us to move some 401(k) funds to private investment firms. I have about $1.1 million in my 401(k), and my advisor would charge around 1.99% to manage the funds. Would it be wise to move part of the money to my advisor, or should I keep it in the current 401(k) funds? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Kingdom Calling: Vocational Stewardship for the Common Good by Amy L. Sherman Agents of Flourishing: Pursuing Shalom in Every Corner of Society by Amy L. Sherman Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pastor Jeff reminds us today that every good thing comes from God, and being with Him is the greatest joy because He is perfectly good. Our Faith Question teaches that rejecting Jesus means being separated from God forever — apart from all goodness, peace, joy, and love. James 1:17  Every good and perfect gift is from above, coming down from the Father of lights, who does not change like shifting shadows. 

Some of the costliest financial mistakes are made in isolation. When big decisions come our way, pride and pressure can convince us that we need to figure everything out ourselves. But God designed us to walk in community, and His wisdom often comes through trusted voices. Seeking wise counsel is not a sign of weakness—it is a key part of faithful stewardship. Have you ever faced a financial decision that felt heavier than your confidence could carry? Maybe it was whether to buy a home. Perhaps it was changing careers, helping aging parents, navigating a difficult season in marriage, or deciding how to prepare for retirement. In those moments, the questions come quickly: What if I get this wrong? What if I overlook something important? What if I regret this later? And often, beneath all of those questions is the assumption that you should be able to figure it out by yourself. But God never intended for you to walk through life's biggest decisions alone. Wisdom Often Comes Through Community One of the clearest themes in Scripture is that wisdom often comes through community. Proverbs 11:14 says, “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” That is not only a proverb about leadership. It is a principle for everyday life—including our finances. Sometimes we think wisdom is found only in personal research, spreadsheets, calculators, or online content. Those tools can certainly be helpful. But biblical wisdom is more than information. It includes discernment, humility, perspective, and the willingness to receive insight from others. That is why Proverbs 12:15 says, “The way of a fool is right in his own eyes, but a wise man listens to advice.” Notice the contrast: foolishness is not always recklessness. Sometimes it is simply refusing to listen. Wisdom begins when we acknowledge that we may not see the whole picture. And that takes humility. Humility Opens the Door to Wisdom Proverbs 9:10 tells us, “The fear of the Lord is the beginning of wisdom.” To fear the Lord means recognizing that God is God and we are not. We submit our plans, our preferences, and even our financial assumptions to Him. We stop asking only, “What do I want to do?” and begin asking, “Lord, what would You have me do?” That kind of humility also opens us to receive the people God may use in our lives. Sometimes that person is a mentor who has walked through a season you are now entering. Sometimes it is a trusted friend who knows you well enough to ask hard questions. Sometimes it is an older believer whose experience can spare you from avoidable mistakes. And sometimes it is a professional advisor who brings technical expertise shaped by biblical values, such as a Certified Kingdom Advisor® (CKA®). But ignoring wise voices can have destructive consequences. Rehoboam's Warning Scripture gives us a sobering example in Rehoboam, the son of Solomon. In 1 Kings 12, when Rehoboam became king, the people asked him to lighten the heavy burdens placed on them. At first, he sought counsel from the older men who had advised his father. They urged him to lead with humility and serve the people. But Rehoboam rejected their wisdom. Instead, he turned to younger voices that echoed his pride and ambition. Their advice was simple: be harsher, be stronger, demand more. He followed their counsel, and the result was devastating. The kingdom was split in two. What began as a leadership decision became a national tragedy. Why? Because Rehoboam preferred affirmation over wisdom. He chose voices that told him what he wanted to hear instead of what he needed to hear. That temptation is still with us today. Wise Counsel Does More Than Validate Us When making financial decisions, we can easily look for voices that justify our desires, reinforce our fears, or confirm what we have already decided. But wise counsel does not merely validate us. It helps us see what we cannot see on our own. Sometimes, wise voices serve as guardrails. They keep us from drifting into the ditches of greed, fear, impulsiveness, or self-reliance. They help us slow down, think clearly, and align our choices with God's purposes. That may mean someone helps you recognize that a purchase is moving too quickly. It may mean an advisor helps you see the long-term impact of a financial decision. It may mean a trusted friend reminds you that generosity, contentment, and faithfulness matter just as much as the numbers. Ultimately, wise counsel leads to wiser decisions. Don't Carry the Decision Alone So, what financial decision are you carrying right now? Maybe it is time to stop carrying it alone. Ask God to show you who He has already placed around you. Make a list of trusted people you can reach out to. Invite wise voices into your decision-making process. Do not isolate. Do not assume asking for help is a weakness. Often, it is one of the strongest acts of stewardship you can make. Faithful stewardship is not just about making the right financial choice. It is about making decisions with humility, wisdom, and dependence on God. And one of the ways God often gives us wisdom is through the people He places around us. If you would like to explore this idea further, you can read more in our new devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. Order your copy today at FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: My identity was stolen about five years ago, and I'm still receiving notices for debts and accounts I never opened. I've frozen my credit and disputed the fraudulent charges, but banks and lenders continue turning me down. What else can I do to clean this up? I receive Social Security and a pension. How should I think about giving tithes and offerings from that income? My wife owes me a little over $40,000 from a 0% loan I gave her to help save her late mother's house from foreclosure. We put the agreement in writing, but the repayment period has long passed, and she would have to wipe out her retirement to repay me. I can afford to forgive the loan, but she hasn't asked for forgiveness. From a biblical and marital standpoint, should I forgive it anyway? What's the difference between a living trust and a will, and how do I know which one is better for my estate plan? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) IdentityTheft.gov (Federal Trade Commission) Equifax | TransUnion | Experian LastPass | 1Password | iCloud Keychain Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you know God loves you… but somehow you don’t always feel it? You know you’re valuable to God. Yet when it’s time to set boundaries, pursue what brings you joy, take care of yourself, or believe your needs matter, you hesitate. Why? In this episode, Bonnie explores why knowing the truth in your head isn’t always enough to change how you feel about yourself. Through personal story, the power of labels, and scripture, you’ll discover how self-doubt often grows from identities we’ve accepted that were never meant to define us. You’ll learn how God reshapes your identity, why self-affirmation research matters, and a simple soul care practice to live with more confidence. If you’ve ever struggled to feel confident, worthy, beautiful, or enough, this episode will help you. Key Takeaways - Why knowing God loves you isn’t always the same as feeling loved - How labels shape self-doubt and confidence - Why God renames people throughout Scripture - What science says about self-affirmation and emotional resilience - How embracing God’s delight can transform your wellness - A practical exercise to help you break free of self-doubt & experience your God-given identity Breath Prayer Inhale: You will be called My Delight Exhale: The Lord delights in you Scripture “You will no longer be called Forsaken…but you will be called My Delight…for the Lord delights in you.” Isaiah 62:4 “To him who overcomes…I will give him a white stone and a new name written on the stone.” Rev 2:17 →

This week, Pastor Jeff answers the Faith Question: What happens after death to those not united to Christ by faith? The Bible teaches that they will be separated from God forever. John 3:33 The one who believes in the Son has eternal life, but the one who rejects the Son will not see life; instead, the wrath of God remains on him. 

Pastor Rick Warren once said, “The way you store up treasure in heaven is by investing in getting people there.” That's a powerful statement—and it raises an important question: What does it really mean to store up treasure in heaven? Jesus speaks directly to this in Matthew 6:20, where He says, “Lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.” That word “treasure” is striking. In Greek, the word is thēsauros—the same root from which we get the word “treasury.” It describes something stored safely for the future. But Jesus isn't describing a spiritual savings account filled with gold and silver. He's pointing to the lasting fruit of a life lived in alignment with God's Kingdom. Notice that Jesus doesn't say, “Don't have treasure.” He says, “Store your treasure in heaven.” In other words, what we invest in God's purposes today carries eternal significance. What Are Eternal Rewards? In 1 Timothy 6:18–19, Paul writes that believers are “to do good, to be rich in good works, to be generous and ready to share, thus storing up treasure for themselves as a good foundation for the future, so that they may take hold of that which is truly life.” That final phrase matters: “that which is truly life.” The reward is not merely something we receive later. It is the fullness of life that comes from walking in step with Christ—now and forever. The early church understood this well. Augustine wrote in The City of God, “God Himself, who is the author of virtue, shall there be its reward, for as there is nothing greater or better, He has promised Himself.” In other words, the greatest reward of eternity is not something we possess, but Someone we know. That is the heart of eternal rewards: deeper fellowship with God, fuller participation in His Kingdom, and the joy of seeing His work unfold through our lives. Money Reveals What We Treasure This is where our finances come in. Jesus often connected money to an eternal perspective because it reveals what we value. When we give generously, serve faithfully, and steward wisely, we are investing in something that lasts beyond the temporary. We are declaring that our hope is not in wealth, comfort, or control, but in God Himself. In Luke 16:11, Jesus says, “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” In other words, how we manage earthly resources reflects whether our hearts are ready for something far greater. Every act of generosity, every decision to trust God rather than money, every sacrifice made for His Kingdom becomes part of a story that continues into eternity. God's Rewards Are Gifts of Grace Here's the beautiful truth: God's rewards are never wages. They are gifts. Scripture does not teach that we earn God's favor through generosity or faithful stewardship. Rather, God rewards His people because He is generous in grace. He chooses to reward the very faithfulness He produces in us. That reveals something remarkable about our Father. No matter what we have or do not have in this world, because we belong to Him, He promises to entrust us with the true riches of His Kingdom. That is what it means to store up treasure in heaven. Instead of investing everything in what is temporary, we place our lives, our resources, and our trust into the hands of the One who is the very source of heaven and earth. It's not about building a spiritual portfolio. It's about orienting our hearts toward God Himself. Living Today in Light of Eternity Life with God has never been about accumulating more. It has always been about knowing Him, trusting Him, and sharing in His purposes. So the real question is not, “What do I get in heaven?” The better question is, “How can I live today in light of eternity?” Because one day, every faithful steward will hear the words Jesus spoke in Matthew 25:21—words that will fill every believer's heart with awe and joy: “Well done, good and faithful servant. Enter into the joy of your master.” A Resource to Help You Live with Eternal Perspective If you've ever wondered how to live with that kind of eternal perspective day by day, we walk through it in our new devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. It's designed to help you view every part of your financial life—saving, giving, planning, and investing—through the lens of eternity as you learn to treasure Christ above all else. You can pick up your copy today, or place a bulk order for your church or small group, at FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I have an old individual retirement account that was purchased in 1987 and matured in 1990. I've been receiving letters from agencies offering to help me cash it out for a fee, but I still have the original receipt. What's the best way to access the money? Can I transfer it to another traditional IRA or convert it to a Roth? I'm calling on behalf of my daughter about my two-year-old granddaughter. They'd like to set aside about $1,000 a year until she's 18 or 20, but they're unsure whether to use a 529 in case she doesn't attend college. They also want to be careful about putting money directly in the child's name. What's the best way to invest and structure this? I have about $4,300 in debt, including $4,000 on a credit card. What's the best way to handle it—should I use a balance transfer card or take a loan from my 401(k)? I have about $1,000 of extra margin each month. My emergency fund is fully funded, and I've paid off all consumer debt except my home. Should I use that extra money to invest more, give more, or pay down my mortgage faster? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) The Treasure Principle, Revised and Updated: Unlocking the Secret of Joyful Giving by Randy Alcorn Christian Credit Counselors (CCC) Sound Mind Investing (SMI) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today is FRIYAY and Shoutout Day with Pastor Jeff as we finish learning that only Jesus can save us from sin and bring us back to God. We'll discover that Jesus is the one and only Savior because He is the perfect Son of God who died and rose again for us. Acts 4:12   There is salvation in no one else, for there is no other name under heaven given to people by which we must be saved. 

Send us Fan MailSome battles don't start in your schedule, your bank account, or your relationships. They start as a thought you never challenge, a fear you keep feeding, or an offense you refuse to release. We talk about spiritual warfare with a steady head and a strong spine: not blaming the devil for every problem, but also not pretending the enemy isn't real or organized.We walk through what spiritual warfare actually looks like for believers, why the mind is such a target, and how deception can make a lie feel “obvious” while God's truth starts to sound questionable. Tabatha shares her personal story of being set free from depression after years of coping methods that helped but didn't cure. That testimony opens a bigger conversation about identity in Christ, spiritual authority, and why the Word of God matters when you're facing anxiety, discouragement, temptation, or confusion.We also get practical. We break down Ephesians 6 and the reality that our fight isn't against flesh and blood, then lay out clear tactics the enemy uses: offense, isolation, distraction, compromise, and weariness. We end with direct, faith-filled prayers to renounce depression, anxiety, addiction, fear, and any occult doors, plus steps to stay submitted to God, stay in community, speak truth out loud, and rest when you're tired. If you want a biblical, actionable guide to Christian spiritual warfare, deliverance, and resisting the devil, this conversation is for you.Subscribe for more, share this with someone who's in a fight, and if this helped you, leave a rating and review so more people can find it.GET THE BETTER MARRIAGE BOOTCAMP HERE:Better Marriage Bootcamp (kenandtabatha.com)Better Marriage 90-Day Devotional:90 Day Better Marriage Devotional - Ken and Tabatha (square.site)DOWNLOAD THE FAMILY MEETING OUTLINE HERE ⬇️https://www.kenandtabatha.com/pl/2148103888

Imagine if a quarter of our country suddenly had to flee their homes—unsure where they would sleep, how they would eat, or what tomorrow might bring. That is the kind of crisis many families in Lebanon are facing today. Innocent men, women, and children are caught in the middle of another humanitarian disaster, and the needs are urgent. But even in the pain and uncertainty, God is opening doors for His people to bring practical help and the hope of Christ. This quarter, FaithFi is partnering with Heart for Lebanon, a trusted ministry serving families on the ground with food, shelter, trauma care, and gospel-centered support. Camille Melki, co-founder and CEO of Heart for Lebanon, joined us today to share what families are experiencing—and how believers can respond. A Ministry Born in Crisis Camille knows the pain of war personally. He was just nine years old when Lebanon's brutal 15-year civil war began in 1975. His wife, Hoda, was eight. Decades later, in 2006, another conflict led them to launch Heart for Lebanon. The mission was clear from the beginning: to move people from despair to hope in Christ. Today, Lebanon's situation remains complicated and heartbreaking. Families from different religious and ethnic backgrounds are being displaced and forced into unfamiliar communities. Many have lost homes, loved ones, and any sense of security. Yet Camille sees something else as well: a bold opportunity to share the gospel with people who may never have had access to it before. As he put it, while innocent civilians continue to pay the highest price, “the mission of the church is still the same.” Families Facing Fear, Loss, and Trauma Many families in Lebanon have been displaced more than once. They are living with broken infrastructure, overwhelmed systems, and the emotional weight of war. Children, especially, are carrying deep trauma from what they have seen and heard. Camille shared the story of Gaia, a woman from Syria who had fled war with her husband and daughter and settled in southern Lebanon. She and her family came to faith through Heart for Lebanon's Hope Evangelical Church. Then the violence reached their neighborhood. Gaia had just spoken with her neighbors before lunch. Minutes later, those neighbors were killed in attacks. Her home was badly damaged, and she and her husband—who is terminally ill with cancer—were injured. When Heart for Lebanon's team finally reconnected with Gaia, and she was able to return to church, she said that hearing the Word of God made the heavy burden on her heart feel lighter. The fear had not disappeared completely, but she no longer felt alone. Through Heart for Lebanon, she experienced the tangible love of Christ. Caring for Children in the Shadows of War Heart for Lebanon also works with children through its Children at Risk programs. One of the ministry's leaders, Freddy, described how thousands of children are living in the shadows of war. Hallways once meant for learning have become shelters. Children have seen things no child should ever have to witness. The ministry responds with trauma-informed care through play, art, listening, and prayer. The goal is not merely to provide temporary relief, but to help children process fear and experience the peace of Christ. Camille shared the story of Ahmad, a 10-year-old Kurdish boy living in Lebanon with his parents, who recently came to know the love and hope found in Jesus. The sounds of rockets and explosions filled Ahmad with fear, especially for his 10-month-old brother. Whenever he heard missiles nearby, he would try to protect the baby with his small hands. His mother encouraged him through God's promises and prayed with him. Ahmad said he still sometimes remembers the sounds, but now he prays instead of panicking. Remembering that Jesus is with him helps him feel safer. Camille also shared that Yasmin, a third-grade student, did not miss a single day of prayer during the war. She prayed for her younger siblings and reminded them of Jesus' suffering, death, and resurrection. Her faith helped her encourage others in the middle of fear. Meeting Physical, Emotional, and Spiritual Needs One of the distinctives of Heart for Lebanon is its commitment to care for the whole person. Camille explained that poverty exists on three levels: physical, emotional, and spiritual. That means the ministry provides essentials such as food packages, mattresses, pillows, blankets, and hygiene kits. But those physical gifts are only the beginning. Heart for Lebanon's team also takes time to listen to families' stories, pray with them, share Scripture, and build relationships of trust. Camille described this movement as going from transactional care to relational care—and then to transformational care. When trust is built, the door opens for gospel conversations. Families who have never heard the good news of Jesus are introduced to the hope found in Him. Many come from Muslim backgrounds—Kurds, Sunnis, and Shias—but Camille emphasized that what matters most is not who they were before Christ, but who they are in Him. How Your Gift Can Help Heart for Lebanon is currently serving more than 2,000 displaced families, many of whom were forced from their homes in southern Lebanon. A gift of $90 can help provide a full month of support for one displaced family, including food, bedding, hygiene supplies, compassionate care, and gospel-centered support. FaithFi's goal is to help reach 275 displaced families. A gift of $180 could help two families. A gift of $450 could help five. This is a meaningful opportunity to serve families who have lost nearly everything and to help open the door to lasting hope in Christ. To give, text FAITH to 98656, or visit FaithFi.com/Lebanon. A Time to Give Generously In times of crisis, the church has an opportunity to become a living witness to the compassion of Christ. Families in Lebanon need food, shelter, safety, and care—but above all, they need the hope of the gospel. Through Heart for Lebanon, believers can help meet urgent needs while pointing families to the One who never leaves or forsakes His people. Give generously today at FaithFi.com/Lebanon. On Today's Program, Rob Answers Listener Questions: I have property in South Carolina that I'd like to sell, and I'm looking for a Christian realtor to help. After the sale, I'd like to give about 90% of the proceeds to charity. Who would you recommend to help me handle this wisely? I have investments and a financial advisor, and we're meeting soon. I heard you discuss aligning investments with biblical values. Where can I find a resource to help me evaluate whether my current companies or funds reflect those values? I inherited my mom's home through a Lady Bird deed and recently sold it. I have three questions: Where should I consider investing the proceeds, and are annuities a good option? Will I owe capital gains tax? And how should I think about tithing on this money? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Heart for Lebanon National Christian Foundation (NCF) List of Faith-Based Investment Funds Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why do I keep spiraling into the same negative thoughts?Why does rest feel so hard?How do I know if a thought is from God… or fear?In today's special Q+A episode, we're diving into some of the most common mindset, emotional health, and neuroscience questions Christian women quietly wrestle with every day. We'll talk overthinking, emotional exhaustion, rumination, faith, forgiveness, and practical ways to renew your mind—one thought at a time.You are not stuck. Your brain can change. Healing is possible.

This week with Pastor Jeff, we're learning that even though everyone is born into sin, Jesus offers us the free gift of salvation. We'll discover that following Jesus means believing in Him with our hearts, trusting Him completely, and choosing to follow Him every day. Romans 10:10  One believes with the heart, resulting in righteousness, and one confesses with the mouth, resulting in salvation. 

“Abundance isn't God's provision for me to live in luxury; it's His provision for me to help others live.” That line from Randy Alcorn captures the heart behind a financial finish line. When God entrusts us with more, the question is not simply, “How much can I keep?” but “How much can I use for His purposes?” Cody Hobelman, Certified Financial Planner and Certified Kingdom Advisor, joined the show today to share how that question became deeply personal in his own life. Along with his brother Keelan, Cody contributed to FaithFi's new Field Guide, How Much Money Is Enough? But before he taught others how to set a financial finish line, he had to wrestle with it in his own context. The Early Pull of Accumulation Early in his career, Cody's view of money was much like that of many people. He wanted a large income, growing wealth, and the kinds of opportunities that seemed to promise happiness and success—perhaps vacation homes, financial freedom, and a comfortable lifestyle. Those goals were not unusual. Many people begin their careers with an eye toward building, earning, and accumulating. But over time, Cody began to sense that something was missing. After college, he returned to church and began reading Scripture for himself. What stood out to him was how often Jesus spoke about money. Those passages began to reshape the way he viewed his role in managing what God had entrusted to him. When Obedience Begins to Reshape the Heart At the end of 2016, Cody's church went through a series on managing money biblically. At the conclusion, the congregation was invited to commit to tithing in the coming year. After prayer and conversation with his wife, Steph, Cody decided to begin giving 10% of his income to the church in 2017. That step mattered. It was his first move into intentional giving. He began to see that not every dollar he earned had to serve his own lifestyle. God gives resources with purpose, and giving helped Cody begin to discover that purpose. But as he later reflected, his generosity at that stage still felt like “checking the box.” He was giving, but accumulation remained the deeper goal. Tithing became a generous layer atop a life still largely centered on earning, comparing, and building more. He realized he was trying to serve both God and money. The Question That Changed Everything In 2020, Cody's brother Keelan invited him to consider a simple but life-altering question: “How much is enough?” In other words, if God provided more income over the course of his career—or even in a single year—how would Cody know how much was enough to spend on his own lifestyle? And how could he create margin so that additional resources could be used for God's purposes? At first, Cody resisted the conversation. But he could not escape the realization that he was still at the center of his financial world. So he and Steph accepted the challenge. They chose a number that represented a reasonable level of lifestyle spending for a season. That number became their first financial finish line. A financial finish line is a cap on lifestyle spending. Once that line is set, anything beyond it can be directed toward generosity, debt reduction, ministry, or other God-honoring purposes. A Finish Line Before the Increase Interestingly, Cody and Steph set their first finish line when their income was still below that number. Steph was in graduate school, Cody was early in his career, and they still had student loans. They were also hoping to buy a home. So the finish line was not immediately restrictive. It was more future-oriented. But that decision prepared their hearts before additional income arrived. Not long after, Steph graduated and began working full-time. Cody also received a raise. Suddenly, the finish line was no longer theoretical—it was practical. Because they had done the hard work of prayer, conversation, and planning before the increase in income, they already knew what to do. Their finish line helped them avoid simply expanding their lifestyle to match their income. Paying Down Debt to Free Up Generosity At the time, Cody and Steph still had debt. But their growing vision for generosity changed the way they saw it. Rather than viewing debt simply as a financial inconvenience, they began to see it as an obstacle to giving as they wanted to. So even within their finish line, they chose to live on less than they could have in order to prioritize paying down debt. The goal was not merely to become debt-free for their own comfort. It was to remove barriers that limited their ability to participate in what God was doing. From Scorecard to Stewardship Setting a financial finish line changed Cody and Steph's day-to-day life. For the first time, Cody said he truly experienced contentment. He could honestly say, “We have enough.” That contentment reshaped their conversations about money. Instead of asking only what they could afford for themselves, they began asking what God might be inviting them to do for others. They also created a separate “kingdom account,” moving money into a dedicated giving account. Eventually, they used a donor-advised fund as well. That separation clarified the purpose of the money and helped guard against the temptation to use it for their own lifestyle. Money became a tool, not a scorecard. Before setting a finish line, even giving could feel like something to measure or compare. Afterward, generosity became more about obedience, surrender, and availability. Living With God, Not Merely For God Looking back, Cody says the finish line helped him trust God more deeply. It changed the way he viewed work, provision, and the future. Rather than constantly asking, “Will there be enough?” he began asking, “What would God have us do right now?” That shift moved generosity from a financial category into a way of life. It became part of listening to God, responding to Scripture, and attending to the needs around him. How to Take the First Step For someone who feels drawn to the idea of a finish line yet intimidated by it, Cody offers simple encouragement: start with a trial period. You do not have to choose the perfect number. You do not have to answer every “what if” before you begin. Start with three or six months. Choose a reasonable level of spending for your family, your season, and your location. Then see what God reveals as you take the next step. A finish line is not necessarily a one-time decision. It can be revisited and adjusted as life changes. The point is not rigidity—it is intentionality. When we define enough, we are not limiting our lives. We are creating space for greater clarity, contentment, and generosity. God's provision is not merely something to consume. It is something to steward. And when we stop asking only, “How much can I keep?” we become free to ask a far better question: “Lord, how do You want me to use what You've entrusted to me?” FaithFi's new Field Guide, How Much Money Is Enough?, is designed to help you begin that journey and set your own financial finish line. You can receive your copy when you become a FaithFi Partner by giving $35 a month or $400 a year by May 31st. Learn more at FaithFi.com/Give. On Today's Program, Rob Answers Listener Questions: I've saved about $2,000 for my 11-year-old grandson by setting aside about $1 a day. He's interested in the stock market, but I don't know much about investing. Where could I put this money so it has a chance to grow, and is $2,000 enough to get started? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Fidelity Go® | Schwab Intelligent Portfolios® Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pastor Jeff reminds us today that Jesus is standing at the door of our hearts, waiting for us to invite Him into a forever friendship with Him. We'll learn that God loves us deeply and gives each person the choice to open their heart and follow Him. Revelations 3:20  See! I stand at the door and knock. If anyone hears my voice and opens the door, I will come in to him and eat with him, and he with me. 

Welcome to this special interview episode with Dr John Vaprezsan, author of “Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression.” Dr. Vaprezsan shares the story of his own experiences with both panic attacks and depression, along with helpful insights and observations. When Dr. Vaprezsan heard the words, “You've had a panic attack,” it shocked him, but he didn't let that stop him. God used it as a vehicle to learn more about this and other related conditions associated with anxiety and depression. These studies, along with years of preaching and teaching on the topics, led to the ministry called “Journey to Freedom.,” which is a 40-day course biblically addressing the mind, body, emotions, spirit, and forgiveness in a way that produces sustainable change. If you or someone you love has been trapped in a prison of anxiety or depression, this episode may be the beginning of your journey to freedom. Dr. Vaprezsan's book, “Peace Beyond Panic” is in the shop at keeptheheart.com, as well as on Dr. Vaprezsan's website, journeytofreedom.online. You'll find a link to this ministry, along with a special listener's discount code in the notes below. NEW: Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression by Dr. John W. Vaprezsan Journey to Freedom 40-Day Online Course: Use coupon code SAVE50NOW for 50% off this valuable course Journey to Freedom Ministry Website Apply: Living What We Learn-A 31-Day Devotional by Francie Taylor FOR COUPLES: Rough Patches: Temporary Marital Tensions by Francie Taylor Support this podcast HERE Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

If you're drowning in debt and someone offers a lifeline, make sure it's not really an anchor. When debt feels overwhelming, it's natural to look for a way out. And there are several options that sound helpful at first: debt consolidation, debt settlement, and debt management. But while those terms are sometimes used interchangeably, they are not the same—and they can lead to very different outcomes. Neile Simon, a Certified Credit Counselor with Christian Credit Counselors (CCC), joined the show today to explain the differences and help listeners understand which approach best reflects both financial wisdom and biblical responsibility. Debt Consolidation: A Quick Fix With Real Risks Debt consolidation is often appealing because it rolls multiple debts into one new loan. Instead of making several payments to different creditors, you make one payment on the consolidation loan. That may sound simpler and, in some cases, reduce confusion. But Neile explains that these loans often come with interest rates between 15% and 22%, depending on your credit score. And while consolidation may feel like a fresh start, it does not necessarily solve the deeper problem. The biggest risk is that consolidation allows you to keep your credit card accounts open. If spending habits don't change, many people end up running up new credit card balances while still owing on the consolidation loan. In other words, consolidation can turn one debt problem into two. Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Debt freedom usually doesn't come through a quick fix. It comes through steady, faithful steps over time. Debt Settlement: A Dangerous Path Another option people often hear about is debt settlement. These companies typically promise to negotiate with creditors so you can pay less than the full amount owed. But Neile warns that debt settlement can be misleading and financially damaging. In many cases, debt settlement companies require you to stop paying your creditors. That means your credit may be severely damaged, and the impact can be almost as serious as bankruptcy. There are other consequences as well. Any forgiven debt may be treated as taxable income, and you may receive a 1099-C at the end of the tax year. In addition, after a period of nonpayment, creditors may pursue legal action, which could result in liens on property or wage garnishment, depending on your state. For Christians, there's also a biblical concern. Psalm 37:21 says, “The wicked borrows but does not pay back.” While every situation requires wisdom and compassion, Scripture calls us to take responsibility for what we owe whenever it is in our power to do so. Debt Management: A More Faithful Way Forward Debt management is different from both consolidation and settlement. Through a credit counseling agency like Christian Credit Counselors, you can enroll in a debt management program that helps you repay your debts in full while often reducing your interest rates and monthly payments. Instead of taking out a new loan, you make a single monthly payment to the credit counseling agency, which distributes it to each creditor in the program. The goal is not to avoid the debt, but to pay it back in a structured and manageable way. Neile explains that interest rates through a debt management program may range from 1% to 12% APR, allowing many people to pay off debt much faster. One important thing to know is that creditors typically close the accounts you enroll in the program. However, you are not required to enroll every account. That can actually be a benefit. Closing accounts helps break the cycle of relying on credit and builds new habits of spending, saving, and stewardship. Proverbs 3:27 says, “Do not withhold good from those to whom it is due, when it is in your power to do it.” Debt management reflects that principle by helping people honor their debts while finding a sustainable path forward. Why Debt Management Is Often the Best Option Debt management is often the preferred solution because it addresses both the financial and behavioral sides of debt. It lowers interest rates and simplifies payments, but it also requires a change in habits. That matters because debt freedom is not just about reducing balances. It's about learning to live differently going forward. The team at Christian Credit Counselors begins with education and offers a free consultation to help people understand their options. They also approach debt repayment from a biblical perspective, offering prayer, encouragement, and support along the way. For anyone feeling overwhelmed by debt, the first step is not to panic. It's wisdom. Get the facts, understand the differences, and choose a path that helps you repay what you owe while building healthier financial habits for the future. To learn more, visit FaithFi.com/CCC. On Today's Program, Rob Answers Listener Questions: I know you're not generally a fan of annuities, but I have a diversified portfolio—about $1.3 million in IRAs and a 401(k), plus about $200,000 in liquid assets. If my five-year annuity matures and I roll the full amount into another annuity without taking withdrawals, will I owe taxes on that rollover? I've saved enough to cover about four or five years of living expenses, and we have no debt. Should I live off those savings before tapping into retirement benefits, or preserve them and start drawing from retirement now? I'm considering converting $575,000 from my traditional IRA to a Roth IRA over five years and paying the taxes as I go. Once the money is in the Roth and meets the five-year rule, will future interest and gains be tax-free? I have a 10-year HVAC service contract that costs about $41 a month and includes spring and fall maintenance visits, though service calls still have a fee. Since I already have a 10-year manufacturer's warranty on major components, is this service contract worth keeping? I've been with my employer for 44 years, am moving to part-time, and plan to retire fully in August. I have about $500,000 in my 401(k), recently started Social Security at 65, and am still contributing. Should I roll part of my 401(k)—maybe $100,000—into an IRA now for supplemental income, or wait until later? And should I keep it with Empower or move it to Fidelity, Vanguard, or Schwab? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors (CCC) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you had one of those weeks where everything seems to pile up at once?Unexpected stress. Health worries. Financial pressure. Too many fires to put out. And by the end of the week, your heart just feels tired.In this episode, Bonnie shares a personal story about a stressful week filled, unexpected expenses, painful health setbacks, and emotional exhaustion—and how Jesus gently met her in the middle of it all.You’ll discover why hard weeks affect both your emotions and nervous system, how sharing your fears with Jesus brings comfort and safety, and why laughter and moments of joy are actually restorative for your body, mind, and spirit.If your heart has been feeling weary lately, this episode will help you breathe deeper, feel less alone, and receive the comfort and care Jesus wants to give you right now.Key Takeaways- Why hard weeks leave us emotionally and physically drained- How Jesus meets us gently as our Good Shepherd- What science says about laughter, stress relief, and nervous system recovery- Why emotional safety helps us release fear and discouragement- Simple soul care practices that help your heart rest and recover Breath PrayerInhale: The Lord is my shepherdExhale: I shall not wantInhale: Even though I walk through the valleyExhale: You are with me Scripture“The Lord is my shepherd, I shall not want.” Psalm 23:1“Even though I walk through the valley of the shadow of death,I will fear no evil, for you are with me;your rod and your staff, they comfort me.” Psalm 23:4“I am the good shepherd.” John 10:11→ Free Devotional Gift Download your free devotional: Bonnie’s FREE “Find Your Joy with Jesus: A 4-Day Devotional.”https://thebonniegray.com/findyourjoydevotional/Prioritize self-care the Jesus way and experience rest, renewal, and encouragement for your soul. → Take Bonnie's Soul Care Courses: Breathe Joy with Jesus:Create Happy Wellness Rhythms to Cultivate Joy with God's PromisesRegister at https://thebonniegray.com/soulcareschool/ Breathe Rest with Jesus:A Loving Course to Create Wellness Rhythms of Peace with God’s Promises Register at https://thebonniegray.com/soulcareschool-breatherest/ Praying the Psalms for Wellness:A Lifegiving 8-Week Wellness Course to Release Stress, Renew Peace & Find Rest for Your HeartRegister at https://thebonniegray.com/soulcareschool-prayingpsalms/ Take the FREE Soul Care Quiz at soulcarequiz.comGet your personal wellness assessment and learn which area of soul care you need most. → Eucalyptus Shower Steamers for instant calm at Bonnie's Soul Care Store Join the Soul Care Newsletter:https://thebonniegray.com/subscribe Watch YouTube Devotionals:https://youtube.com/thebonniegray Bestselling Books by Bonnie:https://amzn.to/3NpVYQd Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Corrie ten Boom once said, “If the devil can't make you sin, he'll make you busy.” That's a sobering thought, especially in a world where many of us feel like life is moving faster than we can keep up. Deadlines, family responsibilities, bills, errands, emails, appointments, and unexpected needs can make every day feel like a sprint. And when life moves that fast, it's easy to make financial decisions on the fly. We don't always neglect stewardship out of carelessness. Sometimes, we neglect it because we're tired. We stop paying attention. We spend reactively instead of prayerfully. We put off conversations we need to have. We ignore creeping lifestyle inflation. We delay generosity until things “settle down.” Before long, the pace of life begins shaping our financial decisions more than the wisdom of God does. The Spiritual Danger of Distraction Busyness can be more spiritually dangerous than it first appears because it doesn't always oppose faithfulness with rebellion. Sometimes it opposes faithfulness with distraction. Jesus warned about this in Luke 8, when He described the seed that fell among the thorns. He said it was choked by “the cares and riches and pleasures of life” (Luke 8:14). In other words, ordinary life can become so crowded that it chokes out what truly matters. We can spend hours worrying, scrolling, comparing, impulse buying, chasing the next opportunity, or reacting to every headline while neglecting the simple habits that build faithful stewardship: planning, giving, saving, communicating, and trusting God. Jesus highlights a similar tension in Luke 10. Martha is working hard, serving diligently, and doing good things. But Mary is sitting at Jesus' feet, listening. Jesus gently says, “Martha, Martha, you are anxious and troubled about many things, but one thing is necessary” (Luke 10:41–42). Martha wasn't doing something sinful. She was doing something useful. But even useful things can become disordered things when they crowd out what matters most. That applies to stewardship, too. It's possible to work hard, earn income, pay bills, and stay active, yet slowly lose sight of the heart of stewardship: trusting God, aligning our resources with His priorities, and handling money with wisdom and intentionality. Stewardship Is Worship Stewardship is never just about transactions. It's about worship. Every dollar we earn, spend, save, or give becomes an opportunity to express what we believe about God. Do we trust Him? Do we believe He is our provider? Do we see money as ours to control—or His to manage? That's why financial faithfulness requires more than good intentions. It requires margin—not just margin in your bank account, but margin in your soul. Dallas Willard once said, “Hurry is the great enemy of spiritual life in our day.” That certainly has implications for our finances as well. Hurry can lead to impulse spending, neglected planning, avoidable debt, forgotten generosity, and anxiety-driven decisions. When our lives are hurried, our money often becomes hurried, too. So what does it look like to remain financially faithful in a busy season? Slow Down Long Enough to Notice Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” In an agrarian society, a person's wealth was often tied up in flocks and herds. To know their condition meant slowing down enough to count them, care for them, and manage them wisely. Today, your “flock” may be your bank account, budget, bills, giving plan, savings, or debt. Awareness is often the first step toward wisdom. You can't faithfully steward what you never stop to notice. Prioritize What Matters Most If generosity, saving, debt reduction, or wise planning matter to you, don't leave them to chance. Put them on the calendar. Automate what you can. Schedule the budget conversation. Decide in advance what you will give. Review your spending before the month gets away from you. What gets scheduled often gets done. What gets ignored often drifts. Faithful stewardship rarely happens by accident, especially in a busy season. Simplify Where Possible Sometimes the problem isn't just a busy calendar. It's an overcomplicated life. Too many commitments. Too many subscriptions. Too many obligations. Too many purchases to manage and maintain. Simplicity can be an act of stewardship. It creates room to pay attention, to say yes wisely, to say no faithfully, and to focus your resources on what God has truly entrusted to you. Remember That Small Faithfulness Matters You may not have time today for a complete financial overhaul. But you may have time to review one statement, cancel one unnecessary expense, pray over one decision, or have one honest conversation. Small acts of faithfulness matter. Over time, small decisions can reshape your habits, your household, and your heart. The goal isn't to do everything at once. The goal is to take the next faithful step. Keep the Goal in View The goal of stewardship is not perfect financial performance. It's faithfulness. God is not asking you to control every outcome or master every detail. He is inviting you to trust Him, seek His wisdom, and handle what He has entrusted to you with care. So in a busy season, don't let hurry make your financial decisions for you. Slow down. Pay attention. Make room for what matters. And remember: faithful stewardship begins not with a frantic rush to do more, but with a quiet willingness to seek God first. On Today's Program, Rob Answers Listener Questions: I'm 71½ and have been using CDs to make charitable gifts. Is there a way to know whether Roth conversions from my IRA still make sense? Is now an optimal time to do more conversions? And once I begin taking RMDs, can I still do Roth conversions? My husband and I are setting up a trust, but he doesn't know much about my health. I'd like to name another relative as my medical power of attorney. Is that allowed, and could my husband override that decision? Also, is the ‘Five Wishes' document a good tool for end-of-life and medical preferences? I'm 67 and receiving Social Security and Medicare. My wife is 60, works part-time as a teacher, and is on Obamacare. If she retires at 62 and starts Social Security, will my benefit be reduced? And can she stay on Obamacare until 65, or does she need to enroll in Medicare at 65? We own two homes in different states and plan to sell one in the next three to four years. For the capital gains exclusion on a primary residence, do the two years of ownership and use have to be consecutive, or can they be any 24 months within the last five years? And if we split time between both homes, can we still qualify? My husband and I are 70 and 72, and we own five rental properties. We may sell them when he's around 78. From a tax and Medicare premium standpoint, is it better to sell them all in one year or spread the sales over multiple years? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Five Wishes Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Dr. Charli and special guest Adam Davis in a remarkable story of transformation that didn't just save Adam's life...but saved his family. This amazing interview is filled with wisdom you will want to hear over and over. Adam Davis is the 10X author and co-author of Bulletproof Family: A 90-Day Devotional. His wisdom about the enemy's tactics to destroy families from childhood trauma will challenge you to be better, do better and live better through Christ Jesus. Active-Faith.org charli@active-faith.com theadamdavis.com Buy Adam's latest book here!

Welcome back to Build Your Bible Habit. There is no substitute for the wisdom we gain from the Word of God. When we don't know what to do or how to handle a situation, God knows and He can direct us through scripture. Biblical principles are not just for reading. They are meant to be applied to daily living. Here's a great verse to apply for this week: "He that getteth wisdom loveth his own soul: he that keepeth understanding shall find good." (Proverbs 19:8) Get wisdom. It's the way to love your own soul. Apply: Living What We Learn-A 31-Day Devotional Ponder the Path: A 31-Day Devotional by Francie Taylor NEW: Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression by Dr. John W. Vaprezsan FOR COUPLES: Rough Patches: Temporary Marital Tensions by Francie Taylor Support this podcast HERE Follow Keep the Heart on Instagram Like Keep the Heart on Facebook