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It is May 2025 and I am in a sling, recovering from rotator cuff repair surgery. This episode was recorded two days post-op, so my voice may be a little slurred at times as I tried to speak into a microphone while under the influence of strong pain medications!  Why didn't I record before surgery? Because I was in conference season, which is the same as saying that I was living in airplanes and sleeping in hotels. But I wanted to provide an episode that would share some lessons that I have learned and continue to learn every time I face a new challenge--medical or otherwise. Are you going through a medical challenge? This episode is for you. Are you going through some other challenge? This episode will still be helpful. Things may be tough now, but you've been through tough things before and experienced the blessing of God turning trials into blessings.  "Better is the end of a thing than the beginning thereof: and the patient in spirit is better than the proud in spirit." (Ecclesiastes 7:8) SALVATION: You Need to Know About Eternal Life VISIT THE SHOP AT KEEP THE HEART! Apply: Living What We Learn--31-Day Devotional by Francie Taylor NEW! Herbs for the Heart: A Study of James by Kathy Ashley NEW! From Overwhelmed to Overcomer by Natalie Raynes Blanton What Do I Have to Lose?--Devotional by Janice Wolfe Ponder the Path: A 31-Day Devotional by Francie Taylor Rough Patches: Temporary Marital Tensions by Francie Taylor Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In today's episode, we focus on fueling your soul. 1 Corinthians 6:19 reminds us that our bodies are temples of the Holy Spirit. What you consume—physically, mentally, and spiritually—impacts your self-control and mental clarity.3 Tips to Fuel Your Soul:Choose Nourishing Inputs: Be intentional about what you read, watch, and listen to. Start your day with Scripture, and make sure your media supports your faith.Refresh Your Body: Get enough sleep, stay hydrated, eat whole foods, and incorporate movement into your day.Create Margin: Add moments of rest throughout your day to reconnect with God and avoid burnout.Action Item: Engage in one soul-fueling activity today (like worship or a nature walk) and share your experience with a friend or on the Choose 2 Think Inspirational Podcast group on Facebook! You got this!GET YOUR FREE SELF-CONTROL CHALLENGE HANDOUT RIGHT HERE!⁠ https://mailchi.mp/59efde6766e1/self-control-challengeCONNECT WITH VICTORIA:*NEW RELEASE: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pickleball Passion A Marriage Devotional: 21 Days to a Stronger Connection on and off the Court⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://amzn.to/48wnvaV*⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CHOOSE 2 THINK 365-DAY DEVOTIONAL⁠⁠⁠⁠⁠⁠:⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/3Hcl7v1*⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CHOOSE 2 THINK JOURNAL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: https://amzn.to/3WvinNDEMAIL: choose2think@gmail.com ⁠⁠WEBSITE:⁠⁠ www.choose2think.co⁠⁠MENTORING:⁠⁠ www.choose2think.co/coaching.html ⁠⁠YOUTUBE:⁠⁠ www.youtube.com/channel/UCz8Z2B9TtXvWn0RKelVY5DQ ⁠⁠FACEBOOK:⁠⁠ www.facebook.com/groups/choose2think⁠⁠INSTAGRAM⁠⁠: www.instagram.com/victoriadwalkerlydon/*When you click on these Amazon affiliate links, I may earn a teeny commission from qualifying purchases at no extra cost to you. Thank you for your support!DISCLAIMER: The Choose 2 Think Inspirational Podcast is for educational and entertainment purposes only. Please consult your physician or doctor for all medical advice and counsel.Send in a voice message: https://podcasters.spotify.com/pod/show/victoria-d-lydon/message⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUPPORT CHOOSE 2 THINK MINISTRIES AND PODCAST HERE:⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PATREON: Patreon.com/Choose2Think

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22When it comes to managing money wisely, many of us could use some help, but how do you know you've found the right financial advisor? Today, we'll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.How to Find a Financial Advisor Who Aligns With Your FaithFinding a financial advisor can be overwhelming, but it doesn't have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values.  1. Values Alignment: Do They Share Your Worldview?The most important starting point is finding an advisor whose faith informs their advice. There's a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens.Key Questions to Ask:What role does faith play in your financial advice?How do you define financial success?You're listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain.2. Competency: Are They Qualified to Serve You?Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions.Look for:Industry certifications (like CFP®, CPA, CKA®, etc.)Experience working with clients in your stage of lifeKey Question to Ask:Can you tell me about clients you've served who are in a similar situation to mine?Good advisors won't name names, but they should be able to share stories of impact that demonstrate how they've helped people like you.3. Process & Compensation: Are They Transparent and Clear?A trustworthy advisor will be open about how they make money and how they work with clients.Key Questions to Ask:Can you explain how you're compensated—fees, commissions, or both—for someone like me?What is your process for creating a financial plan?They should be able to explain their step-by-step approach, timeline, and what you'll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.”Ready to Find an Advisor?If you're beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for:Biblical worldviewIntegrityTechnical excellenceYou'll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it's wise stewardship to evaluate that relationship regularly.When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That's the kind of advisor worth seeking out.On Today's Program, Rob Answers Listener Questions:My wife and I want to set up a will. We have a son we support and want to make sure he gets everything. I talked to a lawyer who said trusts aren't necessary anymore and are expensive. I have about $300,000 in home equity, and I'm wondering about taxes and how he might handle the property.My dad recently passed away. My mom has been drawing on his Social Security because she didn't have enough credits from working. What percentage of my Dad's Social Security benefits will she receive as a survivor? What benefits will she get since he was a veteran with VA disability?Am I supposed to pay tithes on the income of my Social Security now that I'm retired?Now that my wife is retired and I'm almost retired, is maintaining a good credit score still important?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov) | U.S. Department of Veterans Affairs (VA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God's grace invites us back. He doesn't lead with condemnation, but with compassion.That truth has everything to do with our financial lives.Yes, God Cares About MoneyIt's easy to think God isn't concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God.And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we're invited to bring those failures to the Lord in repentance.Grace for Financial FailuresWhen we confess our financial sins, we don't encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them.Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn't demand this—grace compelled it. Zacchaeus didn't earn salvation by generosity; his giving revealed a heart transformed by it.We're invited to that same transformation.Financial Sins Worth Repenting OfYou might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on:1. Forgetting God Owns It AllWe are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we've earned instead of worshiping the One who provides.2. Dishonesty in Financial DealingsCutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord's sight but also in the sight of man.”3. Withholding GenerosityProverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God.4. Neglecting Diligent WorkWork isn't a punishment—it's a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God's purposes.5. Living Beyond Our MeansChronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God's provision.6. Coveting Others' WealthEnvy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have.Repentance That Leads to RestorationIf any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He's asking for surrender.When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom.So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God's kindness might be calling you back in your financial life.Ask Him to search your heart. Repent of anything that's not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness.And that, friend, is true freedom.On Today's Program, Rob Answers Listener Questions:I want to know how to invest my Roth IRA funds. I have a large account with a private custodian in a checkbook LLC, and right now it's just sitting in a bank account, which is shrinking because of inflation. I just want to keep up with inflation. I'm 70 years old and want to invest $30,000 wisely. After financial challenges, I want to create a safety net for my family and 15 grandkids. I don't know much about investing and need advice on what to do with my money.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentSound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Welcome back to Build Your Bible Habit, where you can listen to a chapter of Proverbs and learn practical truths for daily living. Proverbs 24 is a collection of application treasures. The practicality of Proverbs makes it possible for us to understand what we're learning. When we understand it, we can apply it. Make a commitment to read a chapter of Proverbs daily for the next 90 days without missing a day. Pay extra attention to verses that are relevant to your circumstances, and ask God to help you to grow in your ability to handle matters wisely. "If thou faint in the day of adversity, thy strength is small." (Proverbs 24:10) VISIT THE SHOP AT KEEP THE HEART! Apply: Living What We Learn--31-Day Devotional by Francie Taylor NEW! Herbs for the Heart: A Study of James by Kathy Ashley NEW! From Overwhelmed to Overcomer by Natalie Raynes Blanton What Do I Have to Lose?--Devotional by Janice Wolfe Ponder the Path: A 31-Day Devotional by Francie Taylor Rough Patches: Temporary Marital Tensions by Francie Taylor Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

They say that crisis reveals character, and for a brief moment, the pandemic revealed surprising financial resilience.Many Americans experienced a rare financial reset during that season, as savings rose and debt declined. But five years later, much of that progress has unraveled. Dr. Shane Enete joins us to unpack what changed—and how believers can respond faithfully in a culture gripped by renewed financial anxiety.Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.The Unexpected Silver Lining of the PandemicWhen the COVID-19 pandemic brought life to a standstill, something surprising happened with our money. Instead of overspending, many Americans buckled down.Research from the Federal Reserve Bank of Boston and the U.S. Government Accountability Office showed that people used pandemic stimulus checks to reduce credit card balances and cut spending. Simultaneously, emergency fund levels rose to 20-year highs.With fewer opportunities to spend and greater economic vulnerability, people embraced margin, paid down debt, and began saving like never before. It was a rare moment of collective financial wisdom.The Return to Old HabitsBut that moment didn't last.Fast-forward to today, and the picture looks far less encouraging. Credit card debt has now surpassed $1 trillion, and six in ten Americans are uncomfortable with their emergency savings, up from just 37% before the pandemic.The decline in financial well-being is measurable. According to the CFPB's 2024 Making Ends Meet survey, the average financial well-being score dropped from 55 to 49. This score reflects how confident households feel about meeting basic expenses, like paying bills and putting food on the table.Even more concerning: over one in three Americans now carry more credit card debt than they have saved. And 42% say they couldn't go even one month without income before falling behind.Why It Matters for ChristiansSo, what's going on? Why the backslide? The answer lies not just in behavior but also in belief.Fear takes over when Jesus isn't present in our financial decisions. We start believing that we have to carry the full weight of financial responsibility. But Scripture reminds us that we have a good Father and a faithful Shepherd who provides for His children.As believers, we're called to live differently—to manage God's resources with wisdom, margin, and generosity. This begins with a mindset shift from ownership to stewardship.Many people dread the word “budget”, but we should really see this through a new lens. If budgeting is about tracking God's provision—your daily bread, your shelter, your gas money—then it becomes an act of gratitude. It's a moment to declare God's goodness.”By embracing this spiritual practice, we open a line of communication with the Lord about our finances. Budgeting isn't just math. It's discipleship.Your Next Step Toward StewardshipWhere do you begin if you want to live this way?Start simple and track your spending. Shine a light on your habits without judgment. What you illuminate can be transformed. Ephesians 5:13 says, “But everything exposed by the light becomes visible—and everything that is illuminated becomes a light.”Using tools like the FaithFi app can help you begin this journey. And remember, you don't have to walk it alone.Living within your means, avoiding debt, and giving generously stand out in a culture of consumption. They testify to the Spirit's work in our lives, especially the fruit of self-control.When believers manage money wisely, they display a beautiful trait of the Holy Spirit. They model a life that's free, sustainable, and others-focused—the kind of financial light the world desperately needs.To read Dr. Enete's full article in the latest issue of our quarterly magazine, Faithful Steward, become a FaithFi Partner today with a gift of $35 a month or $400 a year. Just visit FaithFi.com/Partner to join.On Today's Program, Rob Answers Listener Questions:My mother, who's in her 90s, is going to be selling my house, which I've owned for over 30 years. It looks like the sale may exceed the $250,000 capital gains exemption. If the profit goes over by, say, $20,000, what happens? How is that taxed, and how soon would she have to address it after the sale?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us a textThe phrase "burnout" has become a buzzword, almost a badge of honor in some circles, but what if our fear of burnout is actually preventing us from discovering our true potential? In this eye-opening conversation, we challenge the prevailing narrative around burnout and offer a fresh perspective on stress, capacity, and growth.Drawing from personal experiences, we distinguish between genuine burnout—characterized by emotional, mental, and physical exhaustion—and the increasingly common fear of pushing ourselves too hard. This distinction matters profoundly. When we're so afraid of burnout that we back away from our limits, we never discover our ceiling, which means we can never raise it.Think about building muscle. Growth happens when you push slightly beyond your comfort zone. The same principle applies to life capacity. We share the powerful "one more principle"—doing just one more rep, making one more call, having one more difficult conversation—which creates the stress needed for expansion. Your ceiling must become your floor if you want meaningful growth.For those genuinely experiencing burnout, we provide practical strategies: recognizing that rest is holy (not lazy), implementing delegation, making small adjustments to daily habits, prioritizing physical health, and helping others. We outline five key approaches to overcoming burnout fear: seeking mentorship, identifying your current capacity and committing to grow it, differentiating between actual burnout and fear of hard work, developing an "I can" mentality, and breaking up with fear.The freedom comes not from avoiding stress but from building the capacity to handle more without being overwhelmed. This requires finding your limit, pressing against it, and allowing that threshold to expand. Rather than living in fear, choose to walk by faith—embracing the growth that comes through pressing your limits while maintaining wisdom about true self-care.What's your ceiling? And are you ready to raise 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/2148103888Support Our Ministry: https://myalivechurch.org/giveConnect with us:- Website:https://www.kenclaytor.comhttps://www.tabathaclaytor.comhttps://www.myalivechurch.org- Socials:Instagram -https://www.instagram.com/kenclaytor/https://www.instagram.com/tabathaclaytor/https://www.instagram.com/myalivechurch/TikTok-@Ken_Claytor@Tabathaclaytor@myalivechurchFacebook-https://www.facebook.com/PastorKenClaytorhttps://www.facebook.com/pastortabathaclaytorhttps://www.facebook.com/myalivechurch- Ask us questions: info@kenandtabatha.com

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17As believers, we're called to defend the powerless and stand up for those who can't stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization's board of directors.A Hidden Crisis for Girls in LebanonWhile global headlines often focus on Lebanon's war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence.In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through.Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They're helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King.One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her.You Can Help Right NowWhen girls discover their God-given dignity and worth, it changes everything. The gospel doesn't just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal.As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus.When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn't just bless others—it deepens our trust in God and draws us closer to Him.That's the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we're trusting God to help us reach 500 girls and young women in Lebanon with protection and hope.Join us in this life-saving mission. To give:Text FAITH to 98656Visit: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let's be faithful stewards together.On Today's Program, Rob Answers Listener Questions:I'm 75 and have two retirement accounts I'm not sure what to do with. One is a TSP from my military retirement with just under $5,000. The other is a New York Life annuity worth about $50,000, but it's only earning 2%. Should I move it into an indexed annuity or keep taking the RMDs as is?My wife passed away just two weeks ago, and I'm overwhelmed. She handled our finances; I haven't paid a bill in 25 years. We tried reaching out to a Certified Kingdom Advisor before she passed, but didn't have much success. I don't have a budget, and honestly, I don't know where to begin. I need help.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Ever feel like your thoughts and emotions are pulling you in all directions? Today's episode is all about walking in the Spirit—a daily practice that keeps you aligned with God's will and strengthens your self-control. Whether you're battling cravings, anxious thoughts, or just struggling to stay disciplined, the Holy Spirit is your guide!We'll explore:✅ The difference between walking in the Spirit vs. being prompted by the Spirit✅ Why keeping in step with the Spirit is like following a GPS on a long journey✅ How brain science and faith work together to strengthen your self-control✅ 5 practical ways to overcome cravings and temptations✅ Encouraging declarations to renew your mind and refocus your thoughtsToday's Scripture:

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Are you living under the constant pressure of feeling like you should be doing MORE? Or feeling like you should BE more? That you're always letting people down. Or letting GOD down. If guilt and overwhelm have become a big part of your life, I'm glad you found this episode! As my guest today writes in his new book, You Were Never Meant to Do It All: A 40-Day Devotional on the Goodness of Being Human, “God has not designed us to do everything, be everywhere, or know everything. We can value our work, our bodies, and our relationships without thinking we must have endless energy, always be strong, or have unending emotional reserves. God simply didn't create us in this way.” I'm excited to introduce you today to Dr. Kelly Kapic. Eric and I met Kelly and his wife, Tabitha, through mutual friends while our daughter was attending Covenant College in Lookout Mountain, Georgia, where Dr. Kapic is a professor of theological studies. Kelly is also a speaker and an award-winning author. His books have greatly impacted our family, so for this episode, I asked my husband Eric to join me in this helpful conversation about accepting and finding freedom in our limitations as humans. There is much to be gained by leaning into God's good design for us. To realize that we CAN'T “do it all”, not because something is wrong with us, but because we are created to be dependent on God and on others. Only God Himself is without limits and fully in control. As we more deeply settle into this way of thinking and living, we can experience greater growth, a deeper sense of community, and more peace, rest, and JOY! You can learn more about Dr. Kapic's work and writing here: https://www.covenant.edu/academics/bible/faculty/kapic.html Also, don't forget that as a Fighting for Joy listener you can receive 10% off of your first month of counseling services from BetterHelp, my podcast sponsor. Check out my link at betterhelp.com/fightingforjoy. Counseling can be such a huge help in this broken world and a major tool in the fight for joy.

"So teach us to number our days, that we may get a heart of wisdom." - Psalm 90:12 If you're a few years from retirement and your savings aren't quite where you want them, you might feel like you've run out of time. But maybe you don't need a time machine to solve the problem. Today, Matt Bell joins us with some encouraging words about beefing up retirement savings.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Surprising Power of Working a Little LongerIn 2018, a Stanford study called The Power of Working Longer made a compelling discovery: delaying retirement by just three to six months can have the same impact on retirement readiness as saving an additional 1% of income every year for 30 years.Yes, really.This is largely due to two factors:Higher Social Security Benefits – For every month you delay past full retirement age, your benefit increases by 2/3 of 1% (8% annually). Better Annuity Rates – The older you are when purchasing an annuity, the more monthly income you'll receive for the same investment.But there's a caveat: the study is based on specific assumptions that may not match your financial situation.What the Study Assumes—and Why It MattersThe Stanford study uses a fictional worker named “John” who:Started saving at age 36Saved 6% of income and received a 3% matchRetired at 66 and claimed Social Security immediatelyUsed all savings to buy an inflation-indexed annuityIn reality, your income, savings rate, Social Security timing, and withdrawal strategy may differ widely. Not to mention, indexed annuities like the one in the study are no longer widely available. So while the study provides encouragement, its specifics shouldn't be universally applied.If you can delay claiming Social Security, it can significantly boost your lifelong income. For example, waiting until age 70 instead of 66 could result in a monthly check that's 24% higher. You'd need to live roughly 12 more years to “break even,” but many retirees today are living well into their 80s and beyond.Social Security is essentially a government-backed, inflation-adjusted annuity, making it a powerful foundation for retirement income.More Benefits to Working LongerBeyond Social Security, staying employed offers additional financial and emotional perks:More Contributions – Additional working years allow you to save more and delay withdrawals.Shorter Retirement Span – Fewer retirement years mean your nest egg doesn't have to stretch as far.Health & Community – Work often provides routine, purpose, and social interaction—elements many retirees miss.Working longer isn't just a financial decision—it impacts your time, relationships, and expectations. If you've long looked forward to travel, family time, or volunteering, extending your career might feel like a loss. That's why it's essential to consider both the math and the meaning.Couples should prayerfully approach retirement planning together. Decisions about timing affect both spouses, especially when only one is working. Unequal expectations can lead to tension, so it's essential to:Talk openly about your hopes and concernsUnderstand your financial picture as a teamChoose unity over independence in decision-makingThis is one of the most crucial decisions you'll make as a couple.How Much Do You Really Need?You may have heard that you need 70–80% of your pre-retirement income. That's a good rule of thumb, but it's far better to run the numbers yourself. Some costs (like commuting or saving for retirement) may go down. Others (like healthcare or travel) may go up. The best approach? Create a post-retirement budget based on your unique goals and lifestyle.If you're behind on retirement savings, don't panic—and don't go it alone. Tools on the Social Security website can help you run scenarios based on your age and income. Brokerages like Fidelity or Schwab offer annuity estimators. Most importantly, seek wise counsel and pray through your decisions with your spouse.If you'd like to read the full article from Sound Mind Investing that we discussed during this episode, read Matt's article titled Retirement Preparedness—What a Difference a Little Time Can Make at SoundMindInvesting.com. On Today's Program, Rob Answers Listener Questions:I now have the money from my tax return to pay my property taxes, due in two installments—one in May and one six months later. Should I go ahead and pay it all now since I have the funds, or is there a wise short-term investment I could consider in the meantime?Is there a reliable resource or organization that can provide information on charities that are requesting donations, such as groups like America Cares, CARE, or Mercy Ships?What are your thoughts on the cryptocurrency XRP? Is it something worth considering?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingRetirement Preparedness — What a Difference a Little Time Can Make by Matt Bell (Sound Mind Investing Article)Social Security Administration (SSA.gov)ECFA | Charity Navigator | Ministry WatchFidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Hey Friend, When you want to lose weight, is your first inclination to cut out certain foods altogether?   To start eating significantly less to the point where you're always hungry?   Maybe you feel like you're already eating so little and eating pretty clean, but you aren't seeing the scale move.   In any of those cases, I imagine you also want to know WHAT to eat in order to get results.   I'm unpacking all of that today along with an example of what I eat in on an average day.   Be blessed! Robin *** Check out the What to Eat Masterclass! visiondrivenhealth.com/whattoeat   Listen to my conversation with Lindsay Young about blood sugar and low glycemic eating - Episode 9   Listen to my episode on protein and how to calculate how much you need - Episode 40 *** When you're ready, here are 4 ways I can support you in your health journey:    1. Grab my free 5 Day Sugar Fast Devotional In this 5 Day Devotional you have the opportunity to drop weight and sugar cravings while gaining a totally new approach to health that is grounded in Jesus. Download it here: https://madewellhealth.com/sugarfast   2. Join my free Facebook group  In this group you'll have access to years of resources I've shared along with the new content I put out weekly. Additionally, you'll be in good company with fellow Jesus loving ladies looking to live a sustainable healthy lifestyle. Join us here: https://www.facebook.com/groups/RobinRhineMcD/   3. Take the Healthy Cooking Made Easy Mini Course  This short course will show you how to enjoy healthy cooking with confidence by saving time, cooking less, and loving what you make! Sign up here: https://go.madewellhealth.com/cooking   4. Work with Me Directly Whether it's joining my 6 week course, the Healthy Weight Loss Academy or getting 1-1 coaching, I am all about SIMPLIFYING healthy weight loss and providing the tools and resources you need to create healthy habits you'll keep by partnering with God and following my proven Sustainable Health process. For more info and to apply, click here: https://www.visiondrivenhealth.com/get-coaching

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.'” - Matthew 25:40Some exciting things are happening that will give you more ways to help “the least of these” in God's Kingdom. Brian Holtz joins us today with details about how we can all have the greatest impact in helping those in need.Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A Call to Reach the MarginsWhen it comes to helping families in financial crisis, good intentions aren't always enough. Real transformation requires more than quick fixes—it takes relationships, discipleship, and time. That's the heart behind Making Ends Meet, a small group video study from Compass Financial Ministry designed to equip churches and communities to walk with struggling families toward lasting financial health.Most financial ministries have historically focused on middle—and upper-income families, but Compass felt God pushing them to address those with no financial margin at all—those who aren't just managing poorly but truly don't have enough income to meet basic needs.In response, Compass partnered with ministries that specialize in serving low-income families to learn the unique challenges these households face, many of which go far beyond budgeting.Why Money Alone Isn't EnoughSimply giving money doesn't create lasting change. It may provide short-term relief, but study after study shows that injecting money into poverty doesn't solve the deeper problem.That's not a reason to stop giving—it's a reason to start giving differently.Jesus didn't just heal people and walk away. He invited them to follow Him. That's the model we need to follow—combining financial help with relational investment.When someone is experiencing financial hardship, it's often not just a matter of dollars and cents—it's about identity, family history, and deeply ingrained beliefs. That's why true transformation requires more than a checkbook; it requires presence.When we invest relationally, we gain credibility. That allows us to speak into someone's life in a way that supports their heart and habits.Understanding the Emotional BarriersOne of the surprising lessons Compass learned during the development of Making Ends Meet is how emotional the journey out of poverty can be.Many poor communities are deeply interdependent. They share what they have and support each other in powerful ways, like the early church in Acts.But when someone begins to move toward financial stability, it can create fear: Will I lose my community if I start to thrive? Will I be accepted if I have more than those around me?This anxiety can be paralyzing, which is why patience and prayer are so critical. These are generational challenges. They won't be overcome overnight, but change is possible with consistent love and support.Learn More and Get InvolvedThe beauty of Making Ends Meet is its simplicity. You don't need to be a financial expert to use it. If you care about people and are willing to walk with them, the study provides a step-by-step framework to break cycles of poverty and help families build a new mindset.This is for anyone already serving in their community through their church, a shelter, or a mentoring ministry. Compass provides the tools to make that investment more effective.To explore how you or your church can use Making Ends Meet, visit CompassFinancialMinistry.org. Whether you're looking to lead a group or come alongside a struggling neighbor, this resource is designed to equip you to serve with compassion and wisdom.Helping others financially isn't just about generosity—it's about discipleship. When we combine truth, love, and time, God can do amazing things.On Today's Program, Rob Answers Listener Questions:How do I get banks to produce my bank statements further back than the seven-year period usually required to keep records? I need bank statements from 10-15 years ago because I believe fraud or theft has occurred.My boyfriend is 62 and is about to receive profit-sharing money in two weeks after he took an early retirement from his job. He wants to put the money in his checking account or keep it in his man cave. I don't know how to get anything lined up for him or what to tell him to change his mind.I would like to send a charitable donation to my church directly from my IRA. I have the RMD forms, but I don't understand them. I don't know what to do by myself and don't want to make a mistake.I'm trying to withdraw some equity from my house, and I'm wondering what you think of a HELOC or an HEI.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Compass Financial MinistryMaking Ends Meet Video StudyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Jesus is coming back for His bride—the Church. In this powerful message, "Save the Date", Pastor Jeff Maness unpacks what Jesus is preparing for us in the new Heaven and new Earth. One truth stands above it all: none of it matters if Jesus isn't there. Don't miss this hope-filled conclusion to our Hope Beyond The End series!Message Notes: https://notes.subsplash.com/fill-in/view?page=Sk_iB8S-xe5-Day Devotional: https://www.theharbor.life/blog/tag/hope-beyond-the-end-save-the-dateDiscussion Questions: https://storage2.snappages.site/PJBKS3/assets/files/HBTE5.pdf________________________________________________________________________Subscribe so you don't miss a thing!Christian Copyright Solutions (CCS, BMI, ASCAP, SESAC)License: #14753Find us on:YouTube: YouTube.com/TheHarborInstagram: Instagram.com/TheHarbor_lifeFacebook: Facebook.com/TheHarbordotlifeWebsite: https://www.TheHarbor.lifeWatch/listen on The Harbor AppNew episode every week!

What would you do if you found something so valuable, so life-altering, that you gladly gave up everything else just to have it? That's the image Jesus gives us in Matthew 13—two brief parables, one powerful message. They remind us of a truth that can reframe not just our faith, but our finances, especially in uncertain times.In Matthew 13:44–46, Jesus says:“The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field.”“Again, the kingdom of heaven is like a merchant in search of fine pearls, who, on finding one pearl of great value, went and sold all that he had and bought it.”In both parables, something of immense value is found, and the response is total surrender. But not begrudgingly. Not in fear. In joy. That joy is everything. It's the natural overflow of discovering something so worthy, so beautiful, so eternally good that it reorders your entire life. All other pursuits fade in comparison.But What About When Life Feels Like a Storm?Let's be honest—most days don't feel like we've just struck eternal treasure. In today's economy, with interest rates up, inflation lingering, and layoffs still in the news, you might feel like you're just trying to stay afloat. You're not alone if you're grasping for security, calculating risks, or losing sleep over your monthly expenses.But here's the good news: even in uncertain times, Jesus extends the same invitation. He's saying there is something more valuable than everything you own. And that something is someone—Him.When Christ Is Your Treasure, Money Loses Its GripWhen Jesus becomes your treasure, money loses its power to control you. You're no longer tethered to the markets, to your salary, or to your fears. Your peace isn't tied to your portfolio—it's anchored in God's unshakable Kingdom.That's what Paul discovered in Philippians 3:7–8:“Whatever gain I had, I counted as loss for the sake of Christ. Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.”Paul had status and influence, but he gave it all up when he found the true treasure in Christ.We see this again in the Macedonian believers in 2 Corinthians 8. Even in deep poverty, they gave with joy—not because they had extra, but because they understood Christ's surpassing worth. They didn't view giving as a loss but as a gain.The Paradox of the Kingdom: Loss Becomes GainHere's the paradox: when you release your grip on material things, you make room to take hold of eternal things. Stewardship becomes joyful. Giving becomes worship. And peace begins to replace pressure.But let's not pretend it's always easy. Sometimes, the treasure feels far away. The joy is buried beneath fear. The anxiety drowns out trust. Jesus anticipated this, too. In Matthew 10:29–31, He says:“Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father... Fear not, therefore; you are of more value than many sparrows.”God sees you. He knows your needs. And His care for you isn't based on your net worth, but your infinite worth to Him.A Resource for Your Journey: Look at the SparrowsThat's the heartbeat behind our 21-day devotional, Look at the Sparrows. Created by our team at FaithFi, this devotional helps center your heart on God's promises, His presence, and His provision.Because when you're standing in a storm, you need more than a budget—you need a Savior. And He's not far off. As Jeremiah 29:13 promises:“You will seek me and find me, when you seek me with all your heart.”When Jesus is your treasure, everything changes. You steward your money with open hands, not clenched fists. You invest in what truly matters. You trade the stress of accumulation for the peace of contentment. And yes, joy returns.So if your heart is anxious today, remember the man who bought the field. Remember the merchant who found the pearl. And remember the Savior who invites you to find lasting treasure in Him.Order your copy of Look at the Sparrows at FaithFi.com. Click “Shop” to get a copy for yourself—or buy in bulk for your church or small group.On Today's Program, Rob Answers Listener Questions:I'm retired and living on Social Security with no debt. I have key expenses paid off, and I'm pulling about $1,900 a month from Social Security. Whenever I have a significant project for the house, I pull money out of an IRA that my broker has set up. Is this the best way to finance these projects so that I can remain debt-free and avoid incurring any interest?I have a 401(k), and I'm wondering how I can invest according to my values with the available options. It seems like the only options are big companies that I'd rather not invest in. Do you have any suggestions?We recently sold our house for a good profit, and I'd like to know how we should tithe on it. Do we tithe on the full amount we received, or only what goes above the initial price and the interest we paid on it?My wife and I are purchasing a home this year. The credit union offers us a standard 30-year mortgage with one monthly payment and a bi-weekly payment plan. I want to know which option would be better and the pros and cons.I used to be poor about 25 years ago and filed bankruptcy for $3,500. Now I receive my ex-husband's Social Security, and I would like to see about possibly paying back the bankruptcy debt.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

You are in for a powerful, hope-filled conversation with Jennie and the incredible women behind the Girls Gone Bible podcast, Angela and Ari. They share their raw and redemptive testimonies of meeting Jesus, breaking free from addiction, overcoming anxiety and mental torment, and the miraculous way God brought them together. They also talk about the purpose behind their brand-new devotional Out of the Wilderness—written to help people in their hardest seasons know that Jesus is near. If you've ever felt numb, stuck, or wondered if God could use your story, this episode will light your faith on fire. HELPFUL LINKS: Grab a copy of Out of the Wilderness: A 31-Day Devotional from Girls Gone Bible here CONNECT ON SOCIALS ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠ | ⁠⁠⁠Facebook⁠⁠⁠ | ⁠⁠⁠TikTok⁠⁠⁠ | ⁠⁠⁠Pinterest

Send us a textFeeling the chill in your marriage bedroom? You're not alone. In this raw and honest episode, Ken and Tabatha break down the walls of silence surrounding sexless marriages, offering hope and practical wisdom from their 25-year journey together.Marriage isn't always sexy – especially when life throws curveballs like career stress, parenting demands, health challenges, and aging bodies into the mix. After navigating breast cancer, menopause, and the everyday complexities of long-term commitment, Ken and Tabatha share how they've maintained a vibrant intimate connection despite the obstacles."When you're not in the mood" becomes more than just an occasional state – for many couples, it evolves into a persistent pattern that threatens the marriage foundation. The hosts challenge listeners to examine whether they've settled for less than God's design for marital intimacy, offering a biblical framework from 1 Corinthians 7 that reframes sex as both a privilege and responsibility within marriage.Through candid conversation, they address common barriers to physical connection: exhaustion, body image issues, medical challenges, and the subtle ways couples begin prioritizing everything except their intimate life. Tabitha specifically speaks to women about recognizing and embracing their own sexual desires rather than viewing intimacy solely as meeting their husband's needs.This conversation goes beyond bedroom techniques to address the heart issues that lead to sexual disconnection. Whether you're struggling with mismatched sex drives, physical limitations, or simply finding yourself in a pattern of rejection and resentment, this episode offers a pathway back to the intimate connection you once shared.Ready to turn up the heat in your marriage? Listen now, and be sure to catch part two of this essential conversation about making Christian married sex great again.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/2148103888Support Our Ministry: https://myalivechurch.org/giveConnect with us:- Website:https://www.kenclaytor.comhttps://www.tabathaclaytor.comhttps://www.myalivechurch.org- Socials:Instagram -https://www.instagram.com/kenclaytor/https://www.instagram.com/tabathaclaytor/https://www.instagram.com/myalivechurch/TikTok-@Ken_Claytor@Tabathaclaytor@myalivechurchFacebook-https://www.facebook.com/PastorKenClaytorhttps://www.facebook.com/pastortabathaclaytorhttps://www.facebook.com/myalivechurch- Ask us questions: info@kenandtabatha.com

Proverbs 4:26 reminds us, “Give careful thought to the paths for your feet and be steadfast in all your ways.”That's a call to intentional living—choosing wisdom over impulse, especially in how we manage our money. We often emphasize that budgeting isn't just about numbers—it's about aligning your resources with God's purposes.Matt Bell, a trusted voice in biblical finance, recently wrote about the contrast between cultural and Christian approaches to budgeting. He notes that culture gives your money a script:“Make $80,000 a year. Then move into this neighborhood, drive that car, wear these clothes, eat in these restaurants, and take these vacations. Then you can give.”In this model, spending comes first and usually leads to debt. If we're lucky, we might save or give with what's left. The result? Financial stress, shrinking savings, and a fading sense of contentment.Budgeting as a Sacred TrustBut what if budgeting isn't just a spending plan—it's a sacred trust?Deuteronomy 8:18 says, “You shall remember the Lord your God, for it is He who gives you power to get wealth.” Your income is a gift and a responsibility. Imagine God saying:“I'm entrusting you with $80,000 this year. Use it to reflect My love—meet needs, fund ministry, invest in My Kingdom. Save wisely. Enjoy what I've provided.”This echoes 1 Timothy 6:17, which reminds us that God “richly provides us with everything to enjoy.” With a biblical framework, our financial decisions flip the cultural script:Give firstThen save and investThen spend wiselyAnd use debt sparinglyPaul David Tripp puts it this way:“God calls us to stop starting with ourselves and hoping there's money left over for him. Instead, the call is to willingly and joyfully accept that our money's primary purpose is to fund a kingdom of generosity… and then trust that God will provide what we need.”Jesus warned in Matthew 7:26–27 that anyone who builds their life on shifting sand—hearing His words but not doing them—will find their house collapsing in the storm. A budget based on biblical principles isn't just practical—it's foundational. It anchors our financial lives to the truth of God's Word.A Partner for Kingdom StewardshipIf you're ready to build your finances on that foundation, it helps to partner with others who share your values. That's why we're grateful for Christian Community Credit Union (CCCU).More than a bank, CCCU is a financial institution with a Kingdom mission. They offer everything you'd expect—checking, savings, loans, mortgages—but they also invest your deposits in ministries that serve the Gospel worldwide. Every dollar becomes a tool for transformation.If you're seeking a trusted financial partner that aligns with your faith and fuels your impact, learn more at JoinChristianCommunity.com.Budgeting isn't about restriction—it's about worship. It's about saying, “Lord, everything I have is from You and for You.” When we carefully consider our financial paths, we begin to experience the freedom, peace, and joy of Kingdom stewardship.On Today's Program, Rob Answers Listener Questions:I will be full retirement age in August. I'm still working, so my Social Security will be a surplus that I want to put toward my home. I still owe $82,000 on it, but I also know it needs many repairs. Does it make more sense to put this extra cash flow toward repairs, paying down the mortgage, or a little bit of both?What's the difference between getting a debt consolidation loan or working with a debt counselor?I just wanted general information about universal index life insurance. It seems too good to be true. I've heard that you put money in, and it always increases, but you never lose money out of there, like in the case with stocks.I have a colleague with $12,000 in student debt. He wants to pay $1,000 down and the rest over time, but I think he should pay it off completely now. What's the best method for him to save money and pay off the debt quickly?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…” - Proverbs 27:23-24These days, our “flocks and herds” often look like stocks and mutual funds, not sheep and cattle. But the call to wise stewardship remains. One way we do that is through proxy voting. Jerry Bowyer joins us to explain how and why it matters.  Jerry Bowyer is the President of Bowyer Research and our Resident Economist here at Faith & Finance. He is the author of The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics.What Is Proxy Voting?Proxy voting is similar to civic voting. As a citizen, you vote in elections, attend town halls, and even influence legislation. As a shareholder in a company, if you own the stock directly, you have similar rights: to vote on proposals, ask questions, and even submit resolutions.But if you're invested through mutual funds or ETFs, you hand that vote over to someone else—often a fund manager or institution. And unless you know how they're voting, your values may not be represented at all.Many Christian ministries, nonprofits, and even pro-life organizations are unknowingly voting against their own missions. Why? Because they either don't engage in proxy voting or delegate it without vetting the recipient's values.How Can Investors Reclaim Their Voice?Proxy statements are often long, complex, and written in confusing legal language. For that reason, many advisors default to saying, “Just let the client decide,” rather than helping them engage meaningfully.Of course, that's not a good sign because if it's too complex for the advisor, it's definitely too complex for the client. Instead, we encourage advisors and Christian investors to partner with specialists, like Bowyer Research, who can help decode the process and ensure votes reflect biblical values.They offer audits to show investors how they've been voting—often to their shock. They've never done one where people weren't stunned by what they saw.Mutual Funds, ETFs, and the Challenge of Indirect OwnershipIf you're invested through mutual funds or ETFs, you're likely not voting directly. However, that doesn't mean you're powerless. Here are some things to keep in mind:You can request data on how your funds are voting. Bowyer Research tracks that. You can explore “direct indexing” solutions—an increasingly available strategy that allows you to own shares directly and reclaim your voting rights. You can ask your advisor questions. “How am I voting?” is a simple but powerful question. If your advisor can't answer it, that's a red flag.What You Can Do TodayAsk your advisor how your shares are being voted. If they don't know, press in.Get an audit of your proxy voting records through BowyerResearch.com.Talk to companies, not just about them. Change happens through engagement, not complaint.If you're an investor, advisor, or leader at a Christian ministry or nonprofit, don't let your investments work against your mission. Visit BowyerResearch.com to learn how to align your proxy voting with your values.On Today's Program, Rob Answers Listener Questions:I'm 27 and own 20 acres of land. Should I use the land as collateral for a house loan, or use my saved money to get a bigger loan and increase my land's equity?I opened a Roth IRA with National Life Group in 2013. It's past the surrender fee date, but it's not earning me much. I'll be 66 in July, and I'm single with no one to depend on. I also have another annuity with F and G that I'm not happy with. What should I do with these investments?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bowyer ResearchWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Welcome back to Build Your Bible Habit! Proverbs chapter 13 is a study of contrasts: "live like this, not like that." The practicality of these verses will sharpen and equip you to walk in greater wisdom. Here's an example: "Good understanding giveth favour: but the way of transgressors is hard." (Proverbs 13:15) When we know what is right, but we choose to do the wrong thing anyway, Proverbs 13:15 clearly warns us that our way will be "hard." It's not easy to live biblically, but the alternative is harder. We do get to choose. VISIT THE SHOP AT KEEP THE HEART! Apply: Living What We Learn--31-Day Devotional by Francie Taylor NEW! Herbs for the Heart: A Study of James by Kathy Ashley NEW! From Overwhelmed to Overcomer by Natalie Raynes Blanton What Do I Have to Lose?--Devotional by Janice Wolfe Ponder the Path: A 31-Day Devotional by Francie Taylor Rough Patches: Temporary Marital Tensions by Francie Taylor Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.Okay, a bit of levity to start the program today, but you know what's serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today's real estate and mortgage trends. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Is Spring Still a Seller's Market?While spring and summer are still active seasons, seasonality in real estate isn't what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time.There's a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days.With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021.Selling a Home? Stand Out With These TipsIf you're on the selling side, you'll need more than a “For Sale” sign. Here are a few key steps to rise above the noise:Price your home right from day one. Use recent comps, a professional appraisal, and work with a local agent who knows your area. Stage your home well. With more buyers relying on online home tours and 360° walkthroughs, curb appeal and clean, well-lit interiors matter more than ever. Declutter and simplify. Remove excess items and ensure the space feels open and welcoming—both inside and out.Buying a Home? Here's How to Prepare WiselyFor starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified.This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that's the other key point—know your budget. Don't rely solely on what a lender says you qualify for.Create a detailed budget based on your actual income and expenses.Consider your long-term financial goals, not just your current desires.Most importantly, pray about your decision. Ask God for wisdom and peace before making such a significant commitment.What About Mortgage Rates in 2025?Many are still waiting for interest rates to drop—but experts say don't hold your breath.The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note.As inflation eases, mortgage rates may follow, but they're expected to remain relatively stable for now.If you're a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process.On Today's Program, Rob Answers Listener Questions:I just retired and received a $20,000 check. I'm not sure what I should do with this money. I have a Roth, some savings, an annuity, and a 401(k), but I haven't talked to a financial planner about my current financial status. What should I do with this $20,000?I write one check every Sunday to tithe to my church. If everything goes electronic, I don't know how to track it.As I get closer to having my home paid off, I would like to know if it's better to keep an outstanding balance on my mortgage to maintain the mortgage credit and homestead credit for property taxes, or just pay off the home and deal with increased taxes.Years ago, when we were leading classes with Howard Dayton, our group discussed how collecting offerings at church feels very personal. When the offering basket is passed and a deacon holds it, we almost see it as Jesus' hand holding out the basket. It becomes a very personal act of giving, almost like giving directly to Jesus himself. I'm curious how many people over 65 still write a lot of checks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Hey Friend, Are you struggling to be consistent with your healthy habits? Are you struggling to be motivated to make healthy choices? Maybe you're in a place where you just wish you could miraculously transform the circumstances around your health.   If you love God, but you haven't tapped into what God has for you in your health journey, this episode is for you!   In today's episode I've got 3 VERY simple prayers that, when you pray them consistently with an open heart, I believe you WILL see transformation in your health.   Be blessed! Robin *** When you're ready, here are 4 ways I can support you in your health journey:    1. Grab my free 5 Day Sugar Fast Devotional In this 5 Day Devotional you have the opportunity to drop weight and sugar cravings while gaining a totally new approach to health that is grounded in Jesus. Download it here: https://madewellhealth.com/sugarfast   2. Join my free Facebook group  In this group you'll have access to years of resources I've shared along with the new content I put out weekly. Additionally, you'll be in good company with fellow Jesus loving ladies looking to live a sustainable healthy lifestyle. Join us here: https://www.facebook.com/groups/RobinRhineMcD/   3. Take the Healthy Cooking Made Easy Mini Course  This short course will show you how to enjoy healthy cooking with confidence by saving time, cooking less, and loving what you make! Sign up here: https://go.madewellhealth.com/cooking   4. Work with Me Directly Whether it's joining my 6 week course, the Healthy Weight Loss Academy or getting 1-1 coaching, I am all about SIMPLIFYING healthy weight loss and providing the tools and resources you need to create healthy habits you'll keep by partnering with God and following my proven Sustainable Health process. For more info and to apply, click here: https://www.visiondrivenhealth.com/get-coaching

“Where your treasure is, there your heart will be also.” — Matthew 6:21That powerful truth from Jesus captures the heart of FaithFi's mission and vision.If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission.Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.When Your Peace Rises and Falls with the MarketIt's pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people's emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace.But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7).If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts.Why Our Mission at FaithFi MattersAt the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure.In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place.It's not about giving more, it's about loving God more. That's why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren't surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful.The Daily Struggle: Trusting God or Trusting in WealthOne of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security.The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God's Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ.Wisdom Over Wealth: What Ecclesiastes Teaches UsThis book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they're meaningless—just vapor, or ‘hevel' as Ecclesiastes puts it.But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won't last and start investing in what will.That's why we're excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God's wisdom. You'll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God's provision and sovereignty.To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to FinancesFaithFi isn't just about biblical theory—it's about real-life application. There are several ways we equip people to live out God-honoring stewardship:The FaithFi App—A budgeting tool built on biblical values like generosity, margin, and contentment. It even includes a vibrant in-app community with Certified Christian Financial Counselors (CertCFCs) and Certified Kingdom Advisors (CKAs).  Radio + Podcast—Daily encouragement and wisdom for wherever you are on your financial journey. Devotionals & Studies—Tools like Look at the Sparrows and Wisdom Over Wealth are helping individuals and churches connect their faith and finances. Faithful Steward Magazine—A quarterly, beautifully designed resource full of rich theology, practical advice, and real-life encouragement—exclusively for FaithFi Partners.Join the Movement: Become a FaithFi PartnerThe best way to support FaithFi's work is to become a FaithFi Partner—someone who gives $35 a month or more, or at least $400 a year. In return, partners receive early access to our Bible studies and devotionals, full access to the FaithFi Pro App, and quarterly issues of Faithful Steward. But more importantly, they help millions of people discover how to treasure God above all else.If this vision resonates with you, visit FaithFi.com/Give and join us.On Today's Program, Rob Answers Listener Questions:I want to know if charities have to follow minimum wage laws in Florida or the United States.I have about $130,000 between two IRAs, I owe about $125,000 on my mortgage, and about $15,000 on an auto loan. I have a $250,000 term life policy that ends in 2027. I'm shopping around and want to know how much life insurance I should buy, and if you're in favor of life insurance.What's the difference between a Roth IRA and a regular IRA? And can an individual open a 401(k) without being an employee?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Please leave a rating and written review for the show!Click here to get your free gift: God's Heart for Moms--A 3-Day Devotional!Welcome to our new mini-series for moms.As a mother, you are the light of your home. You set the tone for how your family runs, how they respond to hard things, and how they rejoice in the good. We don't become the light of our homes in our own strength. In fact, to use the lamp metaphor, we want to upgrade from being an oil lamp that's constantly running out, to an electric lamp that plugs right into the source. You stay plugged into Christ, and you will be a beautiful and powerful light in your home. My mom's most-listened-to episode Quiet Times for Busy Moms with Jeanne Dillon. Join the conversation or ask a question here!⁠⁠Connect with me on my email list.⁠⁠Let's be friends on Instagram!

Are you unknowingly buying foods with toxic ingredients? In this video, I reveal the top 10 harmful food ingredients you should not eat, and how to spot them on labels. From dangerous additives to common chemicals in processed foods, you'll learn what to avoid and why.

If you've ever Googled: “Can you be a stay-at-home mom and still have purpose?” “Christian mom encouragement” “Calling and purpose after kids”   Then this episode is for you.

Sometimes it feels like the end of the world and Jesus' return may never come, and sometimes it feels like it could be today or tomorrow – and if the Lord does return tomorrow, praise God – Come, Lord Jesus! But either way, because He will return, the way we live because of it should change today. So how should we live while we wait for Christ's return? Watch this message to see.5-Day Devotional - https://www.theharbor.life/blog/tag/hope-beyond-the-end-hurry-up-and-wait Discussion Questions - https://storage2.snappages.site/PJBKS3/assets/files/HBTE4.pdfMessage Notes - https://notes.subsplash.com/fill-in/view?page=SJgvCmnlgx________________________________________________________________________Subscribe so you don't miss a thing!Christian Copyright Solutions (CCS, BMI, ASCAP, SESAC)License: #14753Find us on:YouTube: YouTube.com/TheHarborInstagram: Instagram.com/TheHarbor_lifeFacebook: Facebook.com/TheHarbordotlifeWebsite: https://www.TheHarbor.lifeWatch/listen on The Harbor AppNew episode every week!

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5Mother's Day invites us to reflect on the deep, often quiet influence of a mother's faith. The Apostle Paul's words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy.A Mother's Work: Beyond MeasureWhen we think about the value of moms, it's usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can't be priced.But what if we did try to measure the economic value of a mother's daily work?According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor.Based on these duties, a mother's annual salary would exceed $185,000—and that's before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she's worth every penny.Still, even that figure falls short of her true worth. The value of a mother's love and faithfulness can't be calculated. It's personal. It's spiritual. It's eternal.How Scripture Calls Us to Honor MothersThe Bible doesn't just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman's reward:“Her children rise up and call her blessed; her husband also, and he praises her.”Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God's love in your life.But biblical honor doesn't end with gratitude. It matures into care, especially as our mothers age.Honoring Through Care: A Biblical MandateIn Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God.In today's terms, honoring your mother might look like:Making time for her amid your busy scheduleOffering financial assistance or managing her needsIncluding her in decisions that affect the familyListening with patience and respectPraying for and with her regularlyThese acts aren't just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life.Honoring a Legacy of FaithWhether it's your biological mom, your wife, a grandmother, or a spiritual mother who's poured into your life, this Sunday is your opportunity to show them they're not alone or forgotten.Let her know she's seen. Let her know she's loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn't wasted. It is, in fact, shaping generations and pointing hearts toward Jesus.Because when a mother models faith, she's not just building a home—she's shaping eternity.This Mother's Day, let's rise up and call her blessed, not just with words, but with actions that honor God and her.On Today's Program, Rob Answers Listener Questions:Is Bitcoin something that someone should have in their portfolio? I don't necessarily know much about it, so I don't invest in it, especially since I'll be going into retirement.My husband and I have an annuity, and I'd like to know how we can make charitable donations from it.My daughter has two student loans totaling approximately $15,000, with Mohela serving as the loan servicer. With the interest deferment ending in September, I'd like to know if we can negotiate to pay off the loans at a reduced amount, or should we pay them off if we have the funds available?I am the executor of my father's estate, and I'm 67 years old. Last December, the estate planner surprised me by saying we had to take a required minimum distribution (RMD). This year, I would like the RMD to be donated to a charitable organization. How do I set that up?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us a textThe crushing weight of depression doesn't just affect the person diagnosed—it transforms marriages, reshaping how partners interact and survive together. Having walked this path ourselves, we're pulling back the curtain on what it truly takes to support a spouse battling the darkness of depression.Tabatha shares her 12-year journey through severe depression that began in childhood following her father's death and experiences with abuse. The physical manifestations—debilitating migraines, panic attacks, insomnia—became as real as the emotional pain. Yet after finding spiritual healing at 24, she's experienced over two decades of complete freedom from these symptoms."Depression isn't occasional sadness—it's getting stuck, becoming debilitated by it," Tabatha explains. "It's not something you can simply snap out of." This misunderstanding often leads to shame and isolation for those suffering.Ken reveals his own unexpected battle with depression following church leadership challenges and betrayal from those close to him. During this dark season, Tabatha became his bridge to healing—not by forcing him out of depression, but by supporting his vision when he couldn't see it himself, gathering resources to help him move forward, and giving him space when needed.We explore the powerful connection between unforgiveness and depression, sharing how forgiveness became the key that unlocked Tabitha's healing. The spiritual dimensions of depression often go unaddressed in clinical settings, yet we've witnessed countless breakthroughs when both spiritual and natural interventions work together.For those supporting a depressed spouse: speak life, not criticism. Understand their root struggles. Take spiritual authority over the situation while addressing practical needs. Build your own support system so you don't become depleted. And never stop believing that complete healing is possible—because we've lived it.If depression has invaded your marriage, join us for this episode filled with hope, practical wisdom, and the promise that depression doesn't have to be a life sentence. Your breakthrough might be closer than you think.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/2148103888Support Our Ministry: https://myalivechurch.org/giveConnect with us:- Website:https://www.kenclaytor.comhttps://www.tabathaclaytor.comhttps://www.myalivechurch.org- Socials:Instagram -https://www.instagram.com/kenclaytor/https://www.instagram.com/tabathaclaytor/https://www.instagram.com/myalivechurch/TikTok-@Ken_Claytor@Tabathaclaytor@myalivechurchFacebook-https://www.facebook.com/PastorKenClaytorhttps://www.facebook.com/pastortabathaclaytorhttps://www.facebook.com/myalivechurch- Ask us questions: info@kenandtabatha.com

“The prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3That verse reminds us that wisdom means planning ahead, especially when it comes to life's most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Why Planning Ahead MattersLife is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care.Consider the questions every household should be able to answer:What happens if you or your spouse is hospitalized?Would someone know how to manage your bills and care for your children?If you were to pass away unexpectedly, would your family know where to find your vital documents?Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it's urgently needed.The Power of an Emergency BinderAn emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes:Financial accounts and passwordsMedical records and contactsInsurance informationBill due dates and utilitiesFuneral wishesChildcare instructionsAnd more.Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household's key information is a tangible expression of love, wisdom, and care. It's a simple act of stewardship that offers comfort, clarity, and care when it matters most.How to Get StartedCreating an emergency binder might sound overwhelming, but it doesn't have to be.Here's a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one.And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It's also wise to keep a digital backup, securely stored and shared with trusted family members.If you're thinking, “I wish someone would just do this for me,” you're in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently.You can find it at EssentialEmergencyBinder.com.On Today's Program, Rob Answers Listener Questions:I want to consolidate our investments. We have a pension, Social Security, Roth IRAs, a 401(k), and traditional IRAs at two different financial institutions. Is it better to have everything in one place?I'm concerned about how my church is spending its tithe money on items like a drum set and library donations, rather than traditional ministries. Is this the right way for a church to use funds?I've received a six-figure inheritance from my uncle in Florida, which includes checking, savings, a money market account, and a Lutheran annuity. I would like to confirm that there is no inheritance tax in Ohio. I'm considering investing the money in CDs through my bank's Certificate of Deposit (CD) program. Can you confirm the tax situation and advise me on this approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Today, we're focusing on the power of small, faithful steps. Every tiny step toward self-control matters and is seen by God!

How do you heal as a parent when your worst fears come true? How do you move through the pain of losing a child unexpectedly to a drug addiction?Pastor Lance Ward and his wife, Jeni, tried to fight the tight grip addiction had on their son Kyle but lost him suddenly to a fentanyl overdose. The secret life he was living was well-hidden until it was too late and Kyle succumbed to the pull of pills. While completely shocked and upended by their loss, Lance and Jeni saw God's faithfulness after losing Kyle and the healing that came in the midst of their unexpected pain. In this raw conversation, Aubrey sits with Lance and Jeni to discuss how addiction can impact a family, how to walk alongside those who lose a loved one to addiction, and where to find God in the paths life can take us on unexpectedly. If you've lost a loved one to addiction or know someone who has, this episode will remind you that God will continue to show up in the pain of addiction and the destruction that can follow. Hope is Alive Ministries: hopeisalive.net/ Al-Anon Support: al-anon.org/ Would you love to help those in your church partner with God to take back their stories of pain and trauma? Bring the Pain to Purpose course to your church and let the healing begin: nothingiswasted.com/churches Want to access all that Nothing is Wasted has to offer to help you in your healing journey? Join Community Plus and get resources like our masterclasses, Curated Pathways, and more for just $20/month. nothingiswasted.com/communityplus Need some hope right now in your valley? Or have a friend who could use some encouragement through suffering? The Pain to Purpose 42-Day Devotional is the perfect companion in your pain. Get your copy and gift one to a friend who needs it: nothingiswasted.com/store/pain-to-purpose-devotional

If you believe the highest goal of investing is simply to earn a high return, you may be overlooking a deeper purpose—how our money can be used for good.As investors, we've been given resources to manage, not just for profit, but in alignment with God's will and values. It's easy to see investing through a purely earthly lens, but God invites us into a much greater story. Today, Robin John joins us to explore that bigger vision.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the forthcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.A Vision for Redemptive InvestingEventide's tagline—“Investing that makes the world rejoice”—is more than marketing. It's a biblical conviction inspired by Proverbs:“When the righteous prosper, the city rejoices, but when the wicked perish, there are shouts of joy.” – Proverbs 11:10Righteousness, in this context, refers to those who seek the good of others. The righteous prosper by looking out for the people in the city. But the wicked prosper through exploitation, especially of the poor. That leads to groaning, not rejoicing.For Eventide, investing is about more than avoiding harm. It's about actively investing in companies whose products and practices bring tangible good into the world—serving real needs, not exploiting vulnerabilities.Can You Do Good and Do Well?A common concern among faith-based investors is whether aligning values with investments means sacrificing returns.Romans 12 tells us “not to conform to the patterns of this world but be transformed by the renewing of our minds.” That means we should be willing to make sacrifices if necessary. But that doesn't mean underperformance.Research from the Biblically Responsible Investing Institute, drawing on a 19-year study, compares values-based screening (which excludes companies involved in activities such as abortion, pornography, and tobacco) with the S&P 500 and yields equivalent long-term returns.It's a myth that you must compromise performance to honor your faith. At Eventide, they don't just avoid the bad—we seek out the good.The Ultimate Question, as posed by Bain consultant Fred Reichheld, also found that the most successful companies are those that best serve their customers and employees. Serving people well is good business, and it often leads to long-term outperformance.Why How You Make Money MattersJohn Wesley once said, ‘Make all you can, give all you can, but make all you can without hurting yourself or your neighbor.”Proverbs 1:19 also warns against partnering with those who gain through unjust means. It's not just what we give—it's how we earn that matters to God. Ill-gotten gain is not pleasing to Him.Generosity isn't limited to charitable giving. A teacher choosing to serve children instead of pursuing a higher-paying career is living generously, even without writing a check.The Good InvestorRobin's passion is to see everyday Christians empowered to invest in ways that reflect their values. His upcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, aims to help believers do just that.The Good Investor doesn't stop at money—it's also a book about purpose and calling. Don't assume your calling means you have to start something new. Many Christians are exactly where God needs them to be. The real challenge is to recognize your work as valuable to God and do it in a way that reflects His goodness.Psalm 1:3 emphasizes that the blessed life is rooted in delighting in God's Word and walking in His ways:“That person is like a tree planted by streams of water...whatever they do prospers.”Robin's new book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, will be released on July 22 and is available for pre-order now wherever books are sold.This is a must-read for any Christian who wants to rethink investing through the lens of God's Kingdom—and rediscover the purpose and power of their everyday financial decisions.On Today's Program, Rob Answers Listener Questions:I have a 401(k) from my old school district job with approximately $7,000-$8,000 in it. I'm 55 and want to know if I should roll it over into my new company's retirement plan and what I should do with my IRA.I remarried after my first wife passed away. If I die, can my late wife's kids force my new wife out of our house, and how can I protect her?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEventide Asset ManagementThe Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnThe Ultimate Question 2.0: How Net Promoter Companies Thrive in a Customer-Driven World by Fred Reichheld with Rob MarkeyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

There is a word for relationships that are stuck in a zone of alienation. That word is “estranged.” There are many reasons for people to distance themselves, but there are times when you may not even know what led to the separation. Sometimes we may know why a relationship has been damaged, but not always. There are those times when you can't think of anything you've done and God hasn't brought anything to mind, and yet you are dealing with the pain of a loved one who has cut off communication without explanation. Whether it's a family member or a friend, the result is the same: there is pain. It's puzzling to go through estrangement, but we don't want to do or say anything to make it worse. This episode covers four things to remember when someone we love won't speak to us. Apply: Living What We Learn--31-Day Devotional by Francie Taylor NEW! Herbs for the Heart: A Study of James by Kathy Ashley NEW! From Overwhelmed to Overcomer by Natalie Raynes Blanton What Do I Have to Lose?--Devotional by Janice Wolfe Ponder the Path: A 31-Day Devotional by Francie Taylor Rough Patches: Temporary Marital Tensions by Francie Taylor Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

Are our efforts to help the poor always helpful, or could they sometimes do more harm than good?Today, we'll explore how short-term missions can genuinely reflect the heart of Christ and bring lasting change, without unintentionally hurting the very people we aim to serve. Dr. Brian Fikkert joins us for that conversation.Dr. Brian Fikkert is a Professor of Economics and Community Development and the Founder and President of the Chalmers Center for Economic Development at Covenant College in Lookout Mountain, Georgia. He is also the co-author of the book, Helping Without Hurting in Short-Term Missions.What Is Poverty—Really?Americans often define poverty materially—a lack of necessities, such as food, clean water, clothing, or shelter. As a result, short-term mission trips often center around distributing goods or completing construction projects. But when you ask materially poor individuals around the world what poverty means to them, they describe feelings of shame, helplessness, and a lack of dignity.This reveals a disconnect: while we view poverty as a lack of material possessions, those experiencing it often define it in relational, psychological, and spiritual terms. True poverty is brokenness in relationship—with God, self, others, and creation. That insight should transform how we approach short-term missions.Even the most well-intentioned trips can do harm. Why? Because those going on these trips may carry pride, believing they have the answers or that their culture holds superiority. In contrast, those in materially poor communities often struggle with inferiority. That combination can worsen the very sense of worthlessness we hope to alleviate.Rather than reinforcing this brokenness, we should pursue humility and listen more than we speak. The goal should not be to "fix" but to restore—to foster healthy relationships that reflect the image of God in all people.Presence Over ProjectsShort-term trips shouldn't be about what we accomplish but about who we become in relationship.If poverty is rooted in broken relationships, then the solution is to restore people to right relationships. And that doesn't come through handing out supplies or completing a checklist—it comes through deep, lasting community.That's why the local church is God's primary instrument of restoration. Mission teams should support these churches in a “backstage” role—serving quietly, praying faithfully, and encouraging leaders who are already embedded in the community. Sometimes the best thing you can do is babysit the pastor's children so he and his wife can enjoy a night out. That kind of support strengthens the long-term work far more than any single project ever could.The Sending Church's Role in Long-Term SuccessMany short-term trips blur the line between gospel and Western culture. But the gospel transcends culture—and so should we.Colossians 1 reminds us that Christ is the Creator and Sustainer of all things. That means He is already at work in every community, regardless of how impoverished it may seem. When mission teams enter a new culture, they should approach it reverently, as if stepping onto holy ground. There is beauty in every culture, and highlighting it can be healing. Simply asking, “What's good here?” affirms the image of God in others and begins the work of restoration.How can the sending church help ensure long-term success in missions?It's not about executing a flawless trip. It's about fostering enduring partnerships with local ministries. That includes showing up year after year, offering consistent prayer and support, and being safe spaces where local leaders can be authentic. Success is not measured by how much we build but by how deeply we walk with others through life.Fundraising as a Form of DiscipleshipShort-term mission fundraising can also be reframed. Young people often feel pressure to produce tangible results in exchange for financial support. But if the goal is to learn and grow, that's a worthy investment.Go as a learner and communicate that clearly to your supporters. When trips are part of a larger discipleship journey, they become valuable not only for those being served but also for the transformation of those who participate.Still, we must be wise stewards of God's resources. Many trips could be more effective if better embedded in a long-term process of learning and partnership.Short-term missions, when done right, can become powerful instruments of healing and restoration. But they must begin with a correct understanding of poverty and a humble willingness to be shaped by the journey.For churches preparing for trips this summer, Helping Without Hurting in Short-Term Missions is more than a resource—it's a reorientation of purpose.To explore Dr. Fikkert's work or find resources and group studies designed for churches, visit Chalmers.org.On Today's Program, Rob Answers Listener Questions:I just bought a new SUV and was offered bi-weekly payments. Would it be advantageous to opt for this option over monthly payments to minimize interest?My mother passed away in October of last year, and my sister and I are going to sell her house probably next month. My question is, in Texas, there's no inheritance tax. But is there an inheritance tax federally?We have some friends who asked us to give them a letter of giftedness to help them buy a home. They're asking for $17,000, for which they have $17,000 in cash that they will exchange for our check immediately. We don't understand why they can't just use their own cash, and we're not sure if helping them would cause difficulties for us or them.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineThe Chalmers CenterHelping Without Hurting in Short-Term Missions by Brian Fikkert and Steve Corbett with Katie CasselberryWhen Helping Hurts: How to Alleviate Poverty Without Hurting the Poor... and Yourself by Steve Corbett and Brian FikkertWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Hey Friend, Believe it or not, research has found that the top predictor of longevity and your propensity to chronic disease is the amount of skeletal muscle you have.   I am doing this episode, one because I think the info is SUPER important for creating sustainable life long health, but also because I'm trying to amp myself up to get more consistent with my muscle building workouts.   About a year ago I threw out my back to where I was in my bed for days and had to have friends come watch my boys. I'll share more about how that's progressed in the episode, but long story short, I'm in a place to finally start focusing on the kind of workouts I love - the kind that BUILD muscle.   If you've never considered intentionally trying to build muscle, I'd LOVE for you to listen in. And if you already know the benefits or you kind of know it's a good thing, but haven't actively started building muscle, by the end of this episode, you'll learn how greatly beneficial skeletal muscle is for your long term health AND you'll have a few SIMPLE first steps to get you going.   Enjoy! Robin *** Listen to the episode with my chiropractor, Ralph Winestock - Episode 32 - Coming into Alignment with God's Design. An Inside Look at Chiropractic Care   Start building muscle with the SLAM workout app with a 14 day free trial - visiondrivenhealth.com/slam   Get my free protein guides the 100g guide and the 20 protein packed recipes in 20 minutes guide at visiondrivenhealth.com/resources *** *** When you're ready, here are 4 ways I can support you in your health journey:    1. Grab my free 5 Day Sugar Fast Devotional In this 5 Day Devotional you have the opportunity to drop weight and sugar cravings while gaining a totally new approach to health that is grounded in Jesus. Download it here: https://madewellhealth.com/sugarfast   2. Join my free Facebook group  In this group you'll have access to years of resources I've shared along with the new content I put out weekly. Additionally, you'll be in good company with fellow Jesus loving ladies looking to live a sustainable healthy lifestyle. Join us here: https://www.facebook.com/groups/RobinRhineMcD/   3. Take the Healthy Cooking Made Easy Mini Course  This short course will show you how to enjoy healthy cooking with confidence by saving time, cooking less, and loving what you make! Sign up here: https://go.madewellhealth.com/cooking   4. Work with Me Directly Whether it's joining my 6 week course, the Healthy Weight Loss Academy or getting 1-1 coaching, I am all about SIMPLIFYING healthy weight loss and providing the tools and resources you need to create healthy habits you'll keep by partnering with God and following my proven Sustainable Health process. For more info and to apply, click here: https://www.visiondrivenhealth.com/get-coaching

"For my thoughts are not your thoughts, neither are your ways my ways, declares the Lord. For as the heavens are higher than the earth, so are my ways higher than your ways and my thoughts than your thoughts." - Isaiah 55:8-9You don't have to study Scripture long to realize that God's wisdom differs sharply from what the world considers wise. John Cortines joins us today to talk about the nature of wisdom, and spoiler alert— it's a Person, not a thing.John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.The True Nature of WisdomIn our modern world, we often equate wisdom with knowledge, education, and the ability to make good decisions. While these aspects are certainly part of it, Ecclesiastes teaches us that wisdom is far more than intellectual mastery or a collection of best practices. In fact, wisdom is not just a set of principles—it is a person. That person is Jesus Christ.Throughout Ecclesiastes, the Preacher (likely King Solomon) wrestles with the big questions of life: What is our purpose? Where can we find joy? How should we handle money? The book explores the various paths people take—seeking pleasure, accumulation, and status—but ultimately concludes that all these pursuits are vanity, or "chasing after the wind."The key takeaway? True wisdom is found in fearing God and keeping His commandments. But it's not merely about following rules—it's about cultivating a relationship with God through Christ.Ecclesiastes isn't just a book about the limitations of human wisdom; it points us to the deeper truth that wisdom is found in a relationship with God. Near the end of Ecclesiastes, we read that "the words of the wise are like goads," and these words come from "one shepherd."Interestingly, this shepherd's identity is made clear in the New Testament, where Jesus identifies Himself as the Good Shepherd in the Gospel of John. Not only does Jesus impart wisdom, but He is wisdom. In Colossians, we learn that Jesus is the one who orders and sustains all things—He embodies wisdom.Paul writes in 1 Corinthians 1:30 that Jesus became "to us wisdom from God, righteousness, and sanctification." This concept shifts our understanding of wisdom from a set of teachings to a relationship with a person.Ecclesiastes and the Limitations of Human WisdomEcclesiastes acknowledges the limits of human wisdom. Even Solomon, renowned for his wisdom, struggled to make sense of life's paradoxes. He sought knowledge, but it never gave him lasting meaning. In fact, knowledge alone cannot answer the deeper questions of life, such as suffering, uncertainty, or death.True wisdom isn't found in education or achievement; it's received from outside ourselves. Proverbs 9:10 states, "The fear of the Lord is the beginning of wisdom," and in the knowledge of the Holy One, there is insight. True wisdom is about trusting in Christ, who alone leads us into all truth and understanding.Walking in Wisdom with ChristIf wisdom is a person, the way to grow in wisdom is to walk closely with Jesus. John offers some practical ways to deepen our relationship with Christ and grow in wisdom:Spend time in God's Word: Not just for information but to encounter Christ and be transformed.Pray and seek His guidance: God promises to give wisdom to those who ask for it.Live in obedience: Wisdom isn't just knowing what is right; it's living it out.Surround yourself with wise counsel: Engage with fellow believers who are also walking with Christ.Trust God in times of uncertainty: Lean on Christ in suffering and hardship.Develop a heart of gratitude: Recognize and enjoy the simple gifts God gives us each day.These steps, though simple, shape our lives and our relationship with God. They allow us to grow in wisdom and understanding as we live in step with Christ.The Connection Between Wisdom and FinancesOne area where wisdom plays a critical role is in our financial lives. The way we handle money is closely tied to our spiritual journey, and the book of Ecclesiastes speaks directly to this. Money is often viewed in our culture as a means of fulfillment, but Ecclesiastes teaches us that wealth is a tool, not our source of meaning.In Ecclesiastes 11, we are reminded of the importance of generosity: "Cast your bread upon the waters, for you will find it after many days." Giving reflects God's nature and His wisdom, and it produces Kingdom fruit. Generosity is a key part of living for Him.Ecclesiastes teaches us to appreciate the simple gifts God provides, while also reminding us that money and possessions are fleeting. As we apply the wisdom of Christ to our finances, we see the balance between frugality, generosity, and enjoying the blessings God has given us.The Ultimate Wisdom: JesusAt the heart of Ecclesiastes—and of all Scripture—is the call to fear God and keep His commandments. In the New Testament, we understand that this means following Jesus Christ, who is wisdom incarnate. Our pursuit of wisdom isn't about accumulating knowledge or living by a set of moral principles. It's about knowing Jesus personally and living in relationship with Him.If you're seeking wisdom, the answer is not found in more knowledge or better strategies—it's found in Jesus Christ. As we follow Him, we grow in wisdom, and our understanding of life's challenges—including money and possessions—becomes clearer. Wisdom is a person, and that person is Jesus.For those interested in diving deeper into the book of Ecclesiastes, our new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, offers a comprehensive exploration of this biblical text and its profound teachings on money, work, and contentment. Visit FaithFi.com/shop to get your copy today or to place a bulk order.On Today's Program, Rob Answers Listener Questions:I have a son who has separated himself from our family. We haven't spoken in two and a half months. I want to know if there are any biblical references that would support changing my will to take my son out of it, given our current strained relationship.I made an insurance claim for a new roof, which was necessary. Now my insurance company has raised my rates, and my next payment is $163 higher than usual, which I can't afford this month. Do I have any recourse, and what should I do besides looking for another insurance company?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineTrue Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory BaumerSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Are you looking for the best under-sink water filter system? This one is worth your attention. Say goodbye to bottled water and hello to extra cash in your pocket by using my discount code LARISSAJ to save 15% off your next money-saving water filter.      Youtube Video       --------------------------------- Mentioned In This Video --------------------------------- Epic Smart Shield https://www.epicwaterfilters.com/?ref=UJCQODZYTX&pmx_click_id=larissaj Code: LARISSAJ 40oz Tumbler With Handle https://amzn.to/43dvSI8 ----------------------------------------------- Connect with Me! Website: toddlermomdiaries.com

Jesus told us to be always ready for His return. In the last message, "It's The End of the World as We Know It", we saw how Jesus said, “I've told you everything ahead of time.” Everything we need to know, He has told us to prepare us. So – it's not our responsibility to know all the details about the end and His return, but it is our responsibility to be ready for it. So what should we know to be ready for His return?5-Day Devotional - https://www.theharbor.life/blog/tag/hope-beyond-the-end-don-t-worry-be-readyDiscussion Questions - https://storage2.snappages.site/PJBKS3/assets/files/HBTE3.pdfMessage Notes - https://notes.subsplash.com/fill-in/view?page=Byvlwobxee________________________________________________________________________Subscribe so you don't miss a thing!Christian Copyright Solutions (CCS, BMI, ASCAP, SESAC)License: #14753Find us on:YouTube: YouTube.com/TheHarborInstagram: Instagram.com/TheHarbor_lifeFacebook: Facebook.com/TheHarbordotlifeWebsite: https://www.TheHarbor.lifeWatch/listen on The Harbor AppNew episode every week!

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23It's easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn't come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement.Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their work. He is the author of An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rediscovering Purpose in RetirementWhat if retirement wasn't the end of something, but the beginning of something far greater?With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?”Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today's media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing.A Biblical Alternative: Eldership, Not EscapeThe Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn't “quitting”; it's wise delegation and reorientation.There's a three-part vision in light of this:Lay down past work identities.Embrace a season of rest, reflection, and renewal.Re-engage as elders—servants, mentors, leaders.The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates.A Path Forward: Rest and RenewalWe encourage retirees to start with rest, not for rest's sake, but to re-center and listen for God's leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life's transitions.It's recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God's direction.Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it.As Psalm 92:12–14 reminds us:“The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.”So what's next?Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet.It's time we shifted the retirement conversation from numbers to calling.Embrace an Uncommon RetirementIf you're ready to rethink retirement, pick up Jeff's book, An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life. And if you want to read Jeff's full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give.Because retirement isn't the end—it's the start of a new mission. Let's live it well.On Today's Program, Rob Answers Listener Questions:My husband and I own a trucking company, and we're downsizing. We sold one of our trucks and have approximately $80,000. I'm trying to figure out the best way to invest this money or whether it would be wiser to put it towards the debt on our other trucks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us a textHave you ever wondered why so many marriages fall apart even though they started off great? A lot of it comes down to what people focus on when choosing who to marry.In this honest and real conversation, we talk about 5 important qualities every man should look for in a wife—things that go deeper than just looks or money. We even share real stories from men (like barbers!) who said they just wanted someone who wouldn't tear them down emotionally.We also talk about how both men and women sometimes bring pain from the past into relationships. These hurts can cause women to react harshly and men to feel disrespected, which leads to a toxic cycle in marriage.But we don't just talk about the problems—we give practical advice on how to recognize a godly wife. We cover things like respect, spiritual strength, true submission (and what it really means), being strong under pressure, and most importantly—having a real relationship with God that comes before even the marriage.Whether you're single, dating, or married, this episode will help you see what it takes to build a healthy, God-centered relationship.Share this with someone who needs to hear that strong love is built on character—not just chemistry.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/2148103888Support Our Ministry: https://myalivechurch.org/giveConnect with us:- Website:https://www.kenclaytor.comhttps://www.tabathaclaytor.comhttps://www.myalivechurch.org- Socials:Instagram -https://www.instagram.com/kenclaytor/https://www.instagram.com/tabathaclaytor/https://www.instagram.com/myalivechurch/TikTok-@Ken_Claytor@Tabathaclaytor@myalivechurchFacebook-https://www.facebook.com/PastorKenClaytorhttps://www.facebook.com/pastortabathaclaytorhttps://www.facebook.com/myalivechurch- Ask us questions: info@kenandtabatha.com

Larry Burkett often said that capitalism must be tempered by Christian love, compassion, and stewardship.Proponents of capitalism and free markets don't often express that concern, just as believers in social welfare rarely count the cost. Jim Jones joins us today to talk about a new way of looking at those ideas.Jim Jones is a Chartered Financial Analyst® (CFA®) and Certified Kingdom Advisor® (CKA®). He is also the author of Utopia Reimagined: An Allegory of Capital and Conscience.A Unique Approach to Biblical EconomicsUnlike typical finance books, Utopia Reimagined is a novel—a work of fiction designed to explore serious biblical and economic themes through story.Why fiction? Jesus often used storytelling to challenge people's assumptions and invite deeper reflection. From the Good Samaritan to the Prodigal Son, stories have the power to stick with us in ways data and arguments often can't. As G.K. Chesterton once quipped, “Novels are more true than science textbooks. Life is sometimes like a science textbook, but life is always a story.”The Journey of Alexander and PaulineThe novel follows two siblings—Alexander and Pauline—on a journey through contrasting societies, each representing different economic and political ideologies.Alexander, a gifted but oppressed peasant in 18th-century France, escapes a feudal system to explore new societal models. His journey takes him through a magical cave into Santosa—a society with socialist tendencies—and eventually to New York City, the heart of free-market capitalism. Along the way, Alexander wrestles with the tension between opportunity, freedom, and justice.Pauline's journey is more focused on the moral and cultural fabric of each society. Her lens offers readers a parallel exploration of what's right, just, and good—not only economically, but relationally and spiritually.Through these characters, readers are invited to explore how faith shapes our perspectives on power, wealth, justice, and human dignity. Some characters see everything through the lens of faith, while others struggle to integrate it or reject it altogether.The beauty of storytelling is that it doesn't just show you what people believe, but why they believe it. That builds compassion and opens the door to real understanding.What Does a Biblical Utopia Look Like?In the final chapters of the novel, Alexander and Pauline discover a society that reflects the fullness of God's Kingdom—a glimpse of the new heavens and the new earth. It's a world where work, community, economics, and leadership are all governed by Christ's nature: sacrificial love, justice, and peace.But how do we pursue this kind of utopia now?Real change begins not at a national or global level, but in our local Christian communities. Reflecting God's image means practicing agape love—self-sacrificing care for one another—in how we use our time, money, influence, and power. We do that in community, not alone.Bringing the Vision to LifeMore than just a novel, Utopia Reimagined is a tool for discipleship and transformation. It's a call to rethink how we live, give, work, and govern in light of God's design. Through this engaging allegory, Jim Jones invites believers to dream again—anchored in Scripture and empowered by the Spirit—to reflect the Kingdom of God on earth as it is in heaven. That's why he has developed a discussion guide for churches, small groups, and communities who want to go deeper. It's available at utopiareimagined.com, where readers can also purchase the book or join a virtual conversation with Jim himself.And for a limited time, the Kindle edition is available for just $1.99.On Today's Program, Rob Answers Listener Questions:I'm a landlord with a duplex and want to sell it in a year. I haven't rented the top unit for a year after a bad tenant experience. What's the best way to proceed - rent it out again or sell, and how do I handle the tax implications of a potential 1031 exchange?I'm 65 and have a life insurance policy with $45,500 cash value. We no longer need the death benefit. Should I cash it out and invest the money or use it to pay down our $50,000 mortgage?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineUtopia Reimagined: An Allegory of Capital and Conscience by James G. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Now that you've set your focus area, it's time to tackle the root of self-control—your thoughts. The battle begins in your mind, and today, we're diving into 2 Corinthians 10:5, learning how to take every thought captive and make it obedient to Christ.

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio.Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. What Is an ETF—and How Does It Differ from a Mutual Fund?Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions.ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes.Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It's also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider.While some ETFs are straightforward, others are complex. For example, oil futures ETFs don't always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions.Faith-Based Investing with PraxisHistorically, faith-based investing has centered around mutual funds. But that's changing. Praxis recently launched two ETFs designed with Christian values at their core:PRXG: Praxis Impact Large Cap Growth ETFPRXV: Praxis Impact Large Cap Value ETFThese funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement.For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It's vital to have Christians at the table asking not just what is possible, but what kind of future we want to create.If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don't compromise on financial performance.Learn MoreYou can explore Praxis's biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com.Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it's possible to steward God's resources with wisdom, impact, and integrity.On Today's Program, Rob Answers Listener Questions:Should I prioritize charity donations and extra mortgage payments or build up my emergency savings first?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazinePraxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Welcome to Build Your Bible Habit, where you can listen to a chapter of Proverbs in five minutes or less! Developing a daily Bible reading habit is a "gift that keeps on giving." As you spend time in the Word, your relationship with God deepens and your ability to handle matters wisely increases. Proverbs 29:23 is a great reminder verse for the day, cautioning us about the temptation to think too highly of ourselves: "A man's pride shall bring him low: but honour shall uphold the humble in spirit." Being conceited comes naturally. Humility is a spiritual quality that takes practice.  Apply: Living What We Learn--31-Day Devotional by Francie Taylor NEW! Herbs for the Heart: A Study of James by Kathy Ashley NEW! From Overwhelmed to Overcomer by Natalie Raynes Blanton What Do I Have to Lose?--Devotional by Janice Wolfe Ponder the Path: A 31-Day Devotional by Francie Taylor Elegant Olive Petal Snap Flap Bible--Great for travel! The "Be Like Jesus is Better Than You Do You" T-Shirt Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

Hey Friend, If you've been feeling discouraged because you are getting results. If the weight isn't coming off. Or if you're frustrated with yourself because you haven't figured out how to be consistent with your healthy habits, this episode is for you.   We're looking at King David's relationship with God and considering how that same approach can bring you into the level of consistency and freedom you're made to have!   Blessings & Joy, Robin *** Download the "Confidently His" devotional series for free at visiondrivenhealth.com/resources   *** When you're ready, here are 4 ways I can support you in your health journey:    1. Grab my free 5 Day Sugar Fast Devotional In this 5 Day Devotional you have the opportunity to drop weight and sugar cravings while gaining a totally new approach to health that is grounded in Jesus. Download it here: https://madewellhealth.com/sugarfast   2. Join my free Facebook group  In this group you'll have access to years of resources I've shared along with the new content I put out weekly. Additionally, you'll be in good company with fellow Jesus loving ladies looking to live a sustainable healthy lifestyle. Join us here: https://www.facebook.com/groups/RobinRhineMcD/   3. Take the Healthy Cooking Made Easy Mini Course  This short course will show you how to enjoy healthy cooking with confidence by saving time, cooking less, and loving what you make! Sign up here: https://go.madewellhealth.com/cooking   4. Work with Me Directly Whether it's joining my 6 week course, the Healthy Weight Loss Academy or getting 1-1 coaching, I am all about SIMPLIFYING healthy weight loss and providing the tools and resources you need to create healthy habits you'll keep by partnering with God and following my proven Sustainable Health process. For more info and to apply, click here: https://www.visiondrivenhealth.com/get-coaching