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Do you know whether your retirement plan is on track, or are you simply hoping it is? Whether retirement is years away or just around the corner, it's wise to pause and take a closer look at your plan today. A retirement checkup can help you know where you stand, identify potential gaps, and make adjustments before small issues become major problems. Many people know they should be saving, but they're less certain whether they're saving enough. That's where a thoughtful review can bring clarity—not just about the numbers, but about faithful stewardship in the season ahead. Know Your Retirement Savings Target No single rule of thumb fits everyone. Your retirement goal depends on many factors, including when you retire, how long you live, your lifestyle, your health, your generosity goals, and whether you'll have income from Social Security, a pension, rental property, or part-time work. Still, benchmarks can be helpful. As a starting point, one common guideline is to aim for about 10-12 times your income by age 67. The point isn't to become discouraged if you're behind. The point is to know where you stand. Once you have a clearer picture, you can make wise adjustments. Know Your Retirement Spending Number Your spending number may be even more important than your savings balance. A million dollars can be plenty for one household and not nearly enough for another because spending determines how much income your portfolio must produce. Start with your current budget, then consider what may change in retirement. Will your mortgage be paid off? Will travel increase? Will transportation costs go down? Will you support adult children or aging parents? Will you downsize, relocate, or stay where you are? Those questions help you see not only what retirement may cost, but also what kind of stewardship this next season may require. Have a Withdrawal Plan It's also important to think carefully about how much you'll withdraw from your savings each year. A common guideline has been the 4% rule, first developed by financial planner William Bengen. He has since updated his research, suggesting the number may be closer to 4.7% with a more diversified portfolio. Fidelity describes it more broadly as a 4%-5% sustainable withdrawal range. So, if you retire with $500,000, you might begin by withdrawing around $20,000 to $25,000 in the first year, then adjust over time. Of course, this is not a guarantee, and it does not mean you'll never touch the principal. Your actual withdrawal rate should depend on your age, health, investment mix, inflation, market conditions, and whether your essential expenses are covered by guaranteed income. The danger is assuming you can withdraw 8%, 10%, or even 12% from your portfolio every year without consequences. For most retirees, that's not a plan. It's a countdown. Prepare for Health Care Costs Medicare is a blessing, but it doesn't cover everything. Retirees may still face premiums, deductibles, co-pays, prescription costs, dental care, vision care, hearing expenses, and more. Long-term care is a separate issue altogether. Recent estimates suggest that a 65-year-old retiring today may need well over $170,000 for health care costs throughout retirement—and that does not include long-term care. For a married couple, health care becomes a major planning item. That's why it's important to prepare in advance and not assume Medicare will cover every need. Understand Social Security For many retirees, Social Security will be one of the largest sources of guaranteed income. You can claim benefits as early as age 62, but doing so can permanently reduce your monthly benefit by as much as 30%. Delaying past full retirement age until age 70 can increase your benefit by 8% for each full year you wait—up to 24% if your full retirement age is 67. Of course, delaying is not always the right answer. Health, family history, income needs, marital status, and work plans all matter. But because this is often a permanent decision, it's worth looking carefully before you claim. Review Your Investment Allocation As you approach retirement, your portfolio may need to become more conservative. But that doesn't mean moving everything to cash. Retirement may last 20 or 30 years, and inflation can quietly erode your purchasing power over time. A wise allocation should balance the need for stability with the need for continued growth. This is one area where trusted counsel can be especially helpful. A Certified Kingdom Advisor® (CKA®) can help you think through your investments, income needs, and long-term stewardship goals through a biblical lens. Retirement Is Not the End of Stewardship Finally, remember that retirement is not the end of stewardship. Psalm 92 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green” (Psalm 92:14). That's a richer vision than simply withdrawing from work and responsibility. Retirement is not about drifting. It's about faithfulness in a new season. So yes, check the numbers. Know your savings target. Build a realistic spending plan. Prepare for health care. Understand Social Security. Review your investments. But also ask, “Lord, what fruit do You want to grow in this season of my life?” If you'd like help reviewing your retirement plan with an advisor who shares your biblical values, visit FindACKA.com to connect with a Certified Kingdom Advisor® (CKA®). On Today's Program, Rob Answers Listener Questions: I've worked at qualifying universities for nearly 10 years under Public Service Loan Forgiveness, but deferments and forbearances kept me from reaching 120 qualifying payments. I now qualify for the buyback program and could pay for about 15–17 missed months to reach forgiveness sooner. Should I do the buyback now or keep making regular payments until I reach 120? I have a home equity loan at 6% with a $32,000 balance and eight years left, and a car loan at 6.09% with a $35,000 balance and six years left. Which should I focus on paying off first? My job is ending soon, and I have only a small amount saved for retirement. I'm about to receive a $16,000 settlement. Given my situation, how should I use or invest that money? I've been with my local bank since 1996, but it's been bought out three times. How do I know when it's time to switch banks, and what should I look for in a new one? I'm turning 73 this August and will need to begin taking RMDs from my IRA based on the end-of-year 2025 balance. I'd like to use Qualified Charitable Distributions to reduce taxable income. When should I make the QCDs so they count toward my RMD? I'm trying to understand fixed indexed annuities. Are they a good option, and what should I consider before using one as an investment? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailA marriage can look fine on the outside while quietly getting torn down from the inside by one habit: a critical inner dialogue. We get honest about what happens when you replay a moment, assume the worst, and start building a case against the person you love. If you've ever thought “What did they mean by that?” and felt the rabbit hole open up, this conversation gives you a better way forward. We talk about what it means to defend your spouse to yourself and why that kind of mental discipline is a form of maturity. We share how fault finding chips away at respect, emotional safety, and physical intimacy, and why attraction struggles often start long before the bedroom, in the thoughts you repeatedly feed. You'll hear our real-life rhythm of praying for each other, why we don't force a “pray together” routine, and how daily intercession shifts your heart from irritation to empathy. We also lay out practical steps you can use immediately: catch the thought, replace irritation with interpretation, separate behavior from identity, practice daily gratitude, stop comparing, and communicate instead of stewing. Along the way, we anchor it with scriptures about love covering offenses and choosing what to focus on. If you want Christian marriage advice that's both spiritual and practical, this will help you build a healthier mindset and a stronger relationship. If this helped you, subscribe, share it with a friend, and leave a review. What's one critical thought you're ready to replace today?GET THE BETTER MARRIAGE BOOTCAMP HERE:Better Marriage Bootcamp (kenandtabatha.com)Better Marriage 90-Day Devotional:90 Day Better Marriage Devotional - Ken and Tabatha (square.site)DOWNLOAD THE FAMILY MEETING OUTLINE HERE ⬇️https://www.kenandtabatha.com/pl/2148103888

It's easy to assume generosity will grow over time. We tell ourselves we'll give more after we earn more, save more, pay off debt, or reach a certain level of financial security. But what if waiting causes us to miss something God wants to do today? That's the question Cody Hobelmann invites us to consider. Cody is a Certified Financial Planner, a Certified Kingdom Advisor® (CKA®), and co-founder of the Finish Line Pledge with his brother, Keelan. He also contributed to FaithFi's new field guide, How Much Money Is Enough?—a resource designed to help believers think biblically about setting financial finish lines. For Cody, this isn't merely a financial planning concept. It's personal. Early in his stewardship journey, he believed the best way to serve the Kingdom was to accumulate substantial wealth and give generously later. But over time, God began to reshape that perspective. “I started to wonder,” Cody shared, “what am I missing by not giving more today?” That question gets to the heart of biblical generosity. Giving is not only about transferring money to a worthy cause. It is also about joy, spiritual formation, trust, and eternal impact. The Joy of Giving Now Acts 20:35 says, “It is more blessed to give than to receive.” For some believers, generosity begins with the heart. They discover that giving produces a joy that spending and saving cannot replicate. When we give, we step into something larger than ourselves. We participate in the needs, stories, and mission of others. That joy can become contagious. As Cody explained, generosity often draws us into relationships with people and organizations doing meaningful work. We begin to see the impact of our gifts. We share in the purpose of the ministry. We become part of a story God is writing through His people. And the more we experience that joy, the harder it becomes to put generosity off until later. Giving now also allows us to encourage others. Stories of generosity can awaken generosity in someone else. Cody noted that hearing the stories of radically generous givers helped challenge his own assumptions. In the same way, our generosity can become an invitation for others to ask, “What are they experiencing that I'm missing?” Generosity doesn't just meet needs. It multiplies. Generosity as Spiritual Formation Other givers are motivated by what Cody describes as the “soul” dimension of giving. For them, generosity is part of spiritual formation. Giving requires trust. It asks us to surrender something we may feel we have earned, controlled, or secured for ourselves. That first step can be the hardest, because it often exposes what we really believe about God's provision. But like a muscle, generosity grows stronger with practice. At first, giving may feel difficult or like a sacrifice. But as we give consistently, we learn to listen for the Lord's leading and respond with obedience. Over time, generosity becomes less about fearfully letting go and more about joyfully participating in God's work. This is one reason giving now matters. Delayed generosity may preserve our resources, but it can also delay the work God wants to do in our hearts. Through generosity, God loosens our grip on money. He shifts our identity away from what we have, what we earn, or what we can control, and roots it more deeply in Him. Accumulation may give the illusion of safety, but generosity teaches us dependence. Giving becomes a way of saying, “Lord, these resources belong to You. What would You have me do with them?” That kind of prayerful surrender draws us closer to God in a way accumulation never can. The Wisdom of Strategic Giving Generosity is not only emotional or formative. It can also be strategic. Some believers think carefully about impact. They want to steward resources wisely, evaluate outcomes, and give in ways that bear fruit. Cody calls this the “head” dimension of giving. From that perspective, giving now has a practical advantage: it gives us experience. When we give today, we can see what happens. We can learn which ministries are bearing fruit, which need to align with our calling, and where future gifts might have the greatest impact. Cody compares it to planting seeds. Year after year, we learn where the harvest is growing and where to sow next. This kind of giving is not impulsive. It is thoughtful, prayerful, and engaged. Financial planners often talk about the power of compound interest. But Cody points to something even greater: compound impact. A dollar invested may grow over time, but a gift given today may change a life today. And God can do far more with our obedience than we can calculate on a spreadsheet. That doesn't mean every dollar should be given away immediately or that planning for the future is unwise. Scripture commends wisdom, provision, and prudent planning. But it does mean we should be careful not to assume that “later” is always the more faithful option. Sometimes waiting to give can mean delaying the impact God intended for today. Don't Hold Too Tightly Jesus warns in Matthew 6:19-21, “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal... For where your treasure is, there your heart will be also.” Earthly resources are temporary. Markets change. Circumstances change. Needs arise. Life is uncertain. Even when we intend to give later, we are not guaranteed we will have the opportunity. That reality is not meant to create fear. It is meant to cultivate a sense of faithful urgency. As Ron Blue has often said, “Do your giving while you're living, so you're knowing where it's going.” There is wisdom in being able to see, participate in, and learn from the impact of generosity while we are still here. Giving now turns temporary resources into lasting Kingdom impact. How Finish Lines Help Us Give Freely One practical way to accelerate generosity is by setting financial finish lines. A lifestyle finish line changes the question from “How much should I give?” to “How much should I keep?” Once we prayerfully define enough for our lifestyle, we are free to ask what God would have us do with the resources beyond that point. A lifetime finish line works similarly. It helps us consider how much is appropriate to accumulate over the course of our lives. When we know what is enough, we can begin dreaming with God about how to deploy His resources for His purposes. Finish lines are not about legalism. They are about freedom. They help us resist the endless pull of accumulation and open our hands to the joy, adventure, and impact of generosity. Take One Step This Week For the person waiting for the “right time” to become more generous, the encouragement is simple: start now. That step does not have to be dramatic. It may be small. It may be quiet. It may be a first act of obedience that stretches your faith just enough to remind you that God can be trusted. But don't wait to be generous. Giving shapes your heart. It deepens your faith. It strengthens your trust in God. And it multiplies Kingdom impact in ways delayed generosity never can. The question is not merely, “How much can I give someday?” The better question may be, “Lord, what would You have me do today?” On Today's Program, Rob Answers Listener Questions: Scripture calls men to provide for their families, but what does that look like today? Is there a minimum income a man should aim for to support a family, and what kind of financial goal or ambition should we encourage young men to pursue? I'm praying about how to advise a friend with over $40,000 in debt. He has small investments and a small business, but the business is declining, and he feels overwhelmed. Would a Christian credit counselor be the right next step? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) 10 Reasons to Give Now Rather Than Later by Cody Hobelmann (Article in Faithful Steward, Issue 6) The Finish Line Pledge Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“If you need wisdom, ask our generous God, and He will give it to you.” That promise from James 1:5 is a powerful reminder that wisdom is not something we have to manufacture on our own. It is a gift from God, and He invites us to ask for it. When we think about financial decisions, we often turn first to budgets, spreadsheets, calculators, or professional advice. Those tools can be helpful, and wise counsel has an important place in biblical stewardship. But for followers of Christ, wisdom begins with prayer. Sharon Epps, President of Kingdom Advisors, FaithFi's parent organization, joined the show today to talk about inviting God into our financial lives and seeking His guidance with trust and humility. Prayer Reminds Us Whose Money It Is When people think about managing money, prayer may not be the first thing that comes to mind. But Sharon says it should be central to the way believers make financial decisions because we are not ultimately managing our own resources. We are managing God's. She offered a simple illustration: imagine being asked to care for someone else's home while they were away on an extended trip. Would you let them leave without asking for specific instructions about how they wanted things handled? Of course not. In the same way, because everything we have belongs to God, we should want His instruction for how to steward it. Prayer reminds us that we do not have to carry financial decisions alone or rely only on our own understanding. It helps us approach money with dependence, trust, and humility. Prayer also shifts our posture. Instead of trying to control every outcome, we begin to ask what faithfulness looks like with what God has entrusted to us. The Most Powerful Question We Can Ask So what does this look like in everyday life? Sharon says it starts by bringing financial decisions to the Lord before we act. Whether we are deciding how to spend, save, give, invest, or pursue work, prayer gives us the opportunity to seek God's wisdom first. Our friend and mentor Ron Blue has often said that one of the most powerful questions we can ask is: God, what would You have me do with Your money? That question changes everything. It reminds us that money is not merely a tool for personal comfort or security. It is a resource entrusted to us by God for His purposes. Sharon shared a personal example from when she and her husband were praying about their oldest daughter's college tuition. They had not saved enough to pay for her education in full, and they were committed to avoiding debt. As they prayed, God brought something to mind: He had already provided what they needed, but they had mentally set those funds aside for another purpose. Once Sharon and her husband sat down and talked it through, they realized God had shown them an option they had never considered. Prayer did not simply give them peace; it gave them perspective. That is one of the gifts of prayer. Over time, it shapes our desires, priorities, and motives. It trains us to seek God first rather than simply react in the moment. Learning What Is Enough One of the great financial questions every believer must wrestle with is, “How much is enough?” Our culture constantly pushes us to want more. More income. More comfort. More security. More possessions. But Scripture points us toward contentment. Paul writes in Philippians 4:11, “I have learned in whatever situation I am to be content.” That word learned is important. Contentment does not come naturally. It is formed in us as we walk with Christ and learn to trust Him more deeply. Prayer helps us bring our desires honestly before the Lord. It gives us space to ask whether our financial choices are being driven by needs, wants, fear, comparison, or trust. Sharon pointed to David's prayer in Psalm 139:23-24: “Search me, O God, and know my heart! Try me and know my thoughts! And see if there be any grievous way in me, and lead me in the way everlasting!” That is a fitting prayer for our financial lives as well. We can ask the Lord to search our hearts, reveal our motives, and lead us toward a healthier understanding of what enough really is. And when we become more content with God's provision, we are often freed to become more generous. When the Next Step Is Unclear Many people face financial decisions that feel overwhelming. A career change. A major purchase. A giving decision. A medical bill. A retirement question. A move. A season of uncertainty. When the path is not clear, Sharon's counsel is simple: turn to prayer before you turn to spreadsheets. That does not mean spreadsheets are unimportant. It means they should not be our first refuge. Before we run the numbers, we should ask God for wisdom. We should also seek wise counsel from trusted believers who share our commitment to biblical stewardship. God often guides us through His Word, His Spirit, and His people. And even when the way forward is not perfectly clear, we can trust that God is faithful to guide His people as they seek Him. Financial Decisions as Acts of Trust Prayer turns financial decisions into opportunities to trust God more deeply. It reminds us that God owns it all. It invites Him into the details of our daily lives. It exposes our motives and reshapes our desires. It helps us move from fear to faithfulness, from control to stewardship, and from self-reliance to dependence on the Lord. The next time you face a financial decision, begin with this simple prayer: God, what would You have me do with Your money? And then listen with humility, seek wise counsel, and trust that your generous God delights to give wisdom to those who ask. By the way, finding an advisor who shares your faith and values does not have to be difficult. Visit FindaCKA.com, answer a few questions about what you're looking for, and you'll receive a list of Certified Kingdom Advisors® in your area who can help you take the next step on your stewardship journey. On Today's Program, Rob Answers Listener Questions: We sold our old house after buying a new one, so we now have a lump sum in savings. We planned to use most of it to recast the new mortgage and lower our payment, but we're wondering whether we should keep some in savings or invest part of it. How can we steward this money wisely? My 23-year-old granddaughter struggles to manage money. Can you recommend a budgeting plan, tool, or app that could help her? I'm 70 and have heard you talk about Qualified Charitable Distributions. What exactly is a QCD, and can I use it for my tithes? My husband and I are nearing 65. In retirement, we expect $5,000–$6,000 a month in income, a paid-off home, about $80,000 in emergency cash, and another $100,000–$200,000 to invest, plus around $50,000 already in Nasdaq and S&P 500 stocks. What conservative investment options should we consider so we can draw from that money monthly if needed, especially from a Christian perspective? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's easy to point out the flaws and faults of others. What's harder is to see our own imperfections. The Bible has an example of this in the account of the scribes and Pharisees in John chapter 8. They brought a woman to Jesus with an accusation of adultery, and Jesus exposed their hypocrisy in a single sentence: "So when they continued asking him, he lifted up himself, and said unto them, He that is without sin among you, let him first cast a stone at her." (John 8:7) Hypocrisy is stone throwing while not wanting any stones thrown back at us. It's fault finding while not wanting anyone to see anything wrong with our behaviors. It is calling someone intolerant while practicing intolerance. None of us is perfectly righteous, so we all need to put the stones down. Let's examine this passage to see how Jesus shut down the hypocrisy, and how we can avoid becoming self-righteous hypocrites in our own view of people. Be sure to visit the Shop at Keep the Heart for books, Bible studies, beautiful Bibles, and more! NEW: Peace Beyond Panic: A Heavenly Perspective on Anxiety and Depression by Dr. John W. Vaprezsan Apply: Living What We Learn-A 31-Day Devotional by Francie Taylor FOR COUPLES: Rough Patches: Temporary Marital Tensions by Francie Taylor Vitamins for the Soul: A Study on Maintaining Spiritual Health by Kathy Ashley NEW: Crossbody Sling Bag for Beverage Bottles Support this podcast HERE Follow Keep the Heart on Instagram Like Keep the Heart on Facebook

When God's people respond with generosity, real lives are changed—and doors open for hope that lasts. That has been the story behind FaithFi's partnership with Heart for Lebanon, a ministry serving families displaced by the ongoing crisis in Lebanon. On today's show, we welcomed May-Lee Melki, U.S. Managing Director of Heart for Lebanon, to share what God has already made possible through the generosity of FaithFi listeners—and why the need remains urgent. Over the past few months, May-Lee and her father, Camille, have helped listeners understand the tremendous challenges facing families in Lebanon. The war has displaced thousands, placed communities under severe strain, and left many families carrying emotional, physical, and spiritual burdens. While there have been temporary pauses in the fighting, May-Lee explained that a ceasefire has not meant true peace for many families. “Families are beginning to experience different effects of the ongoing war, instability, and repeated disruption,” she said. “There's a lot of fear, and there's a lot of uncertainty.” Many are still facing food insecurity, damaged infrastructure, interrupted livelihoods, and the constant fear that conditions could worsen without warning. Generosity That Has Already Made a Difference FaithFi listeners originally set out to help 275 displaced families in Lebanon. By God's grace, that goal has now been met. Those 275 families represent more than 1,000 individuals receiving life-sustaining support through Heart for Lebanon. That support includes food, mattresses, blankets, hygiene kits, diapers for adults and children, and care for newborns entering a world marked by war and uncertainty. But the impact goes beyond supplies. May-Lee shared the story of Ibrahim, a six-year-old boy whose family had to flee in the middle of the night as violence intensified. His parents carried their children and ran into the unknown, unsure where help would come from. Through the generosity of Faith and Finance listeners and the ministry of Heart for Lebanon, Ibrahim's family received practical care and ongoing support. His mother later told the team, “Please don't stop your children's activities, even throughout the war.” Ibrahim's favorite Bible story is Jesus feeding the 5,000. For him, that story has become deeply personal. He told the team, “Jesus loves us, and I know He will not let us go hungry.” That is more than humanitarian aid. It is a picture of God's provision working through His people. Meeting Physical Needs and Building Trust Heart for Lebanon's ministry begins by meeting urgent physical needs wherever families are—whether in shelters, makeshift tent settlements, or other temporary spaces. Food, bedding, and hygiene supplies help families survive while preserving their dignity. But the ministry does not stop there. May-Lee emphasized that Heart for Lebanon is not simply dropping off supplies and leaving. Their team is present for the long haul, walking with families through an open-ended season of displacement and uncertainty. That consistent presence creates trust. And trust opens the door to deeper conversations about faith, hope, and the love of Christ. May-Lee shared the story of Najwa, a woman who first came to Heart for Lebanon looking for food for her family. Over time, through relationships with the team, she found something she had not expected. She said her heart had been longing for a kind of spiritual nourishment she did not even know existed. Through the ministry's care and the message of the gospel, Najwa came to understand that she had not been forgotten by God. That kind of transformation takes time. It does not happen through a single package of supplies. It happens as God's people listen, serve, build relationships, and bring the hope of Christ into the deepest places of need. Hope in the Midst of Crisis In times of crisis, hearts are often more open than before. But May-Lee said that what truly points people to Jesus is not only the immediacy of help but also the authenticity of a long-term relationship. Heart for Lebanon's team is made up of local believers serving other locals—many of whom are experiencing the same hardships. Some members of the team in southern Lebanon have been displaced themselves, yet they continue to serve. That shared experience gives their ministry a unique credibility. Families see that these believers are not there temporarily. They are staying, serving, and carrying the burden. As a result, families are attending Bible studies in growing numbers, asking questions about faith, and seeking spiritual truth. May-Lee shared another story of a single mother named Nawal, who said, “Even during the war, someone was still thinking about us.” Through that care, she began to understand Jesus' love in a tangible way. “He's with me even in my darkest hour,” she said. That is the opportunity before Heart for Lebanon—to model the gospel in action during an ongoing crisis. Caring for the Whole Person The needs in Lebanon are not only physical. Children have witnessed things no child should have to see. Families have lost homes, routines, stability, and a sense of safety. Heart for Lebanon is helping turn crowded shelters and temporary spaces into places of care. Their team provides trauma-informed activities, play, art, and listening—simple but meaningful ways to help children process fear and begin to experience safety again. The ministry's approach is holistic because people are whole persons, made in the image of God. Food and supplies matter. Dignity matters. Emotional care matters. And above all, eternal hope in Christ matters. May-Lee put it plainly: tangible aid is important because it restores dignity, but it also becomes a vehicle for building trust and creating relationships that can flourish for God's Kingdom. The Need Remains Great Because of the generosity of Faith and Finance listeners, more than 275 displaced families are already receiving ongoing care. We praise God for that. But the need remains tremendous. Heart for Lebanon has committed to continue supporting these families with monthly care, including food, bedding, hygiene supplies, and relational support. They also hope to expand that care to reach even more families who are still facing fear, displacement, and uncertainty. Every $90 given helps provide a full month of care for a displaced family, while also allowing Heart for Lebanon to continue building relationships and sharing the hope of Christ. If you would like to help, visit FaithFi.com/Lebanon or text the word FAITH to 98656. When God's people respond with generosity, families receive more than temporary relief. They receive care, dignity, relationship, and a glimpse of the lasting hope found only in Christ. On Today's Program, Rob Answers Listener Questions: I received a letter from Social Security about the Social Security Fairness Act and the end of the Windfall Elimination Provision. They also deposited a lump sum into my checking account. I'm confused about why I received it, what it means, and whether I'll owe taxes on it. A friend borrowed about $500 from a company called Elastic, but the balance quickly grew to around $3,200. My family and I want to help her pay it off, but I'm concerned it may be predatory or a scam. How can we protect her, and what steps should we take? My husband and I are 57 and 54. We once had about $200,000 in savings, but after COVID and serious health and life challenges, that money is gone. We earn about $65,000 a year, have only about $500 across our accounts, and are living paycheck to paycheck. We each have about $25,000 in life insurance or retirement, but we're essentially starting over. How can we rebuild a financial plan at this stage of life? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Heart for Lebanon Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Pastor Jeff today as we learn that faith in Jesus means finding true rest for our hearts by trusting that Jesus has already done everything needed to save us. Romans 5:1-2  Therefore, since we have been justified by faith, we have peace with God through our Lord Jesus Christ.  We have also obtained access through him by faith into this grace in which we stand, and we boast in the hope of the glory of God.  

Minimalism isn't about removing the things you love. It's about removing the things that distract you from the things you love. That insight from Joshua Becker gets to the heart of a much deeper issue than messy closets or crowded garages. Clutter competes for more than our space. It competes for our attention, affection, time, energy, and generosity. Joshua Becker, New York Times and Wall Street Journal bestselling author and founder of Becoming Minimalist, joined the show today to talk about his book, Uncluttered Faith: Own Less, Love More, and Make an Impact in Your World.  His message is not that every Christian needs bare walls, a tiny home, or a life stripped of beauty and enjoyment. Rather, it's an invitation to ask a better question: Are the things we own helping us live faithfully, or are they quietly distracting us from what matters most? Minimalism Is Not One-Size-Fits-All For many people, the word “minimalism” brings to mind stark white rooms, empty shelves, or getting rid of nearly everything they own. But Becker is quick to point out that minimalism will look different from one person to another. Some may enjoy a simpler aesthetic. Others may not. Some may feel called to live with very little. Others may simply need to become more intentional about what they own and why. Becker defines minimalism as “the intentional promotion of the things we most value by removing anything that distracts us from it.” That definition moves the conversation from rules to purpose. The goal is not to own less for its own sake. The goal is to make room for what God has called us to value most. When Possessions Begin to Possess Us Becker's journey began on an ordinary Saturday morning. He set out to clean his garage while his young son wanted him to play. Hours later, still surrounded by stuff, he realized he had spent his day maintaining possessions instead of investing in his son. That moment became a turning point. He and his wife began removing unnecessary possessions from their home, eventually giving away or discarding 60 to 70 percent of what they owned. With each step, Becker noticed practical benefits. Their home became easier to maintain. Their lifestyle costs less. They had more time and energy. They also found new opportunities for generosity. As a pastor, Becker began to see the connection between simplicity and faith. Jesus had been inviting His followers into this kind of life all along—not as deprivation, but as freedom. He calls us away from storing up treasures on earth and toward a life oriented around the Kingdom of God. Consumerism Shapes Us More Than We Realize We live in a culture that constantly tells us more is better. Advertisements, social media, algorithms, and comparison all work together to convince us that the next purchase will make us happier, more secure, more admired, or more complete. The message is subtle but powerful: your life will be better if you buy what we're selling. Over time, that message shapes our desires. We begin to define success by accumulation. Bigger homes, newer cars, fuller closets, upgraded technology, and constant consumption start to feel normal. But normal is not always wise. And common is not always faithful. Scripture repeatedly warns us that riches and possessions can deceive us. In Luke 8, Jesus describes the seed choked by “the cares and riches and pleasures of life,” keeping it from bearing mature fruit. Possessions are not evil in themselves, but they can become thorns when they crowd out our attention to God, neighbor, and calling. Simplicity Is Not Deprivation Biblical simplicity does not mean rejecting every comfort or refusing to enjoy God's gifts. 1 Timothy 6:17 reminds us that God “richly provides us with everything to enjoy.” Money can be used for celebration, hospitality, beauty, rest, and meaningful experiences with family and friends. Those are good gifts from a generous God. The issue is not whether we enjoy what God provides. The issue is whether those gifts become idols. When possessions begin to promise identity, security, comfort, or joy in ways only God can provide, they no longer serve us. They master us. That is why simplicity can be a path toward abundance. When we own less of what distracts us, we gain more of what matters: time, margin, focus, generosity, relationships, and availability to God's work. Clutter Steals Margin Many people today feel hurried, anxious, and stretched thin. While clutter is not the only reason for that exhaustion, it often contributes more than we realize. The more we own, the more we must clean, organize, protect, repair, insure, store, and pay for. Possessions require attention. They make demands. They quietly add weight to already busy lives. A less cluttered life can create margin—space to pray, rest, serve, listen, give, and be present. It can help us become more attentive to God and to the people He has placed before us. Becker shared the story of a woman named Trish, whose grandmother modeled a simple and faithful life. Her grandmother gardened, gathered eggs, sat on the porch, and lived with a peaceful attentiveness that left a lasting mark. Trish remembered that example as the kind of life she wanted to cultivate in her own family—not disconnected from the world, but less rushed by it. That kind of legacy is often caught more than taught. Owning Less Can Free Us to Give More One of the clearest connections between simplicity and faith is generosity. When we spend less on accumulation, we have more freedom to give. For someone in debt, owning less may create room to pay down what is owed. For someone living paycheck to paycheck, it may provide breathing room. For someone already financially stable, it may open the door to greater generosity. This is not merely a financial principle. It is a spiritual one. Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.” Our spending and giving reveal what we value. And as we direct our resources toward God's Kingdom, our hearts are shaped in the process. Generosity helps loosen the grip of materialism. It reminds us that money is not our treasure, our protector, or our purpose. It is a tool entrusted to us by God for His glory and the good of others. A More Faithful Question The goal of an uncluttered faith is not to make everyone's home look the same. It is not to shame people for enjoying good gifts. And it is not to create a new form of legalism around how much a Christian should own. The better question is this: What is God calling me to make room for? Maybe it's more time with your children. Maybe it's more generosity. Maybe it's less anxiety. Maybe it's a greater availability to serve. Maybe it's simply the freedom to stop chasing what the world says you need and begin living more deeply in what Christ has already given. Owning less is not the treasure. Christ is. But when we remove what distracts us, we may find ourselves freer to love Him, love others, and make an impact with what He has entrusted to us. On Today's Program, Rob Answers Listener Questions: Can I borrow from my 401(k) instead of taking out a loan from the bank? My house is paid off, but I'm considering moving and may need funds available for a bridge loan. As the primary beneficiary of my late husband's IRA, do I have to move the full account into my name, or can I transfer part of it directly to my children since they're listed as contingent beneficiaries? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Uncluttered Faith: Own Less, Love More, and Make an Impact in Your World: A Minimalist Book by Joshua Becker Becoming Minimalist Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do your thoughts ever get stuck in a cycle of what-ifs? What if something goes wrong? What if things don't work out? What if I'm not ready for what's ahead? In this episode, Bonnie shares a personal story about preparing for surgery and the unexpected moment that reminded her she wasn't walking through the valley alone. Through scripture & science of negativity bias, you'll discover why our minds naturally focus on fear—and a simple soul care practice that can help you shift your attention from the shadows to the Shepherd. If you're facing uncertainty, waiting for answers, navigating a health challenge, or feeling overwhelmed by what-ifs, this episode will encourage you to move from fear to faith—one step at a time. Key Takeaways — Why our minds naturally focus on worst-case scenarios— The difference between fear's what-ifs and faith's perspective— How Jesus comforts us in seasons of uncertainty— What to notice to calm an anxious heart— The science of negativity bias and emotional wellness— A simple soul care practice to help you move from fear to faith Breath Prayer Inhale: This is the wayExhale: Walk in it Scripture "Whether you turn to the right or to the left, your ears will hear a voice behind you, saying, 'This is the way; walk in it.'" Isaiah 30:21 → Free Devotional Gift Download your free devotional: Bonnie’s FREE “Find Your Joy with Jesus: A 4-Day Devotional.”https://thebonniegray.com/findyourjoydevotional/Prioritize self-care the Jesus way and experience rest, renewal, and encouragement for your soul. Take Bonnie's Soul Care Courses: Breathe Joy with Jesus:Create Happy Wellness Rhythms to Cultivate Joy with God's PromisesRegister at https://thebonniegray.com/soulcareschool/ → Eucalyptus Shower Steamers for instant calm at Bonnie's Soul Care Store Watch YouTube Devotionals:https://youtube.com/thebonniegrayBestselling Books by Bonnie:https://amzn.to/3NpVYQd Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Join Pastor Jeff this week on Faith Questions as we discover what it means to have faith in Jesus Christ—trusting completely in who He is and resting in Him alone for our salvation and eternal life. Galatians 2:20  I have been crucified with Christ, and I no longer live, but Christ lives in me. The life I now live in the body, I live by faith in the Son of God, who loved me and gave himself for me.

Apologetics, Debate, Bible Discussions, Evangelism, and much more A Bible study on personal works and fruit bearing -"The mystic fruit bowl" Mark 7:5-23 - https://youtu.be/kw7QiLQMQ_M?si=eSOYcF1Ffco6-inI(Discussing discipleship) Bible study on Luke 9:60-62 "Let the dead bury the dead" - https://www.youtube.com/live/BkWtkOrEs-Q?si=y-zyqNGfWi3kzVu2To know more on how to be saved, what are the requirements and such, please see our playlist on the Gospel and Eternal Security (assurance of salvation) - https://youtube.com/playlist?list=PL3pJdCnnwrEeCQOCTTmDW1GjUYxpd44DG&si=_rT-lThl0klHt5Cd Our Ministries Website - https://christiancoffeetime.ca/ 1John 5:20) "And we know that the Son of God is come, and hath given us an understanding, that we may know him that is true, and we are in him that is true, even in his Son Jesus Christ. This is the true God, and eternal life."

What makes love last a lifetime? In this message, Pastor Ian Buckley looks at six practical “one another” commands from Scripture that help build a stronger, warmer, more Christ-centred marriage. You'll discover six practices that help love last: ACCEPT their differences instead of attacking them GIVE ATTENTION instead of just sharing space ADJUST yourself instead of always correcting them FORGIVE hurts instead of rehearsing them APPRECIATE the good instead of only noticing the bad RENEW AFFECTION instead of letting love go cold A Christian marriage is not two perfect people in love. It is two forgiven people learning to love like Christ. What makes love last a lifetime? Most couples don't begin marriage expecting love to fade. But over time, small things can quietly erode warmth, trust, tenderness, and joy. The Bible gives us practical “one another” commands that help love last. In this message, Pastor Ian Buckley looks at six biblical practices that build a stronger, warmer, more Christ-centred marriage. You'll discover six practices that help love last: ACCEPT their differences instead of attacking them GIVE ATTENTION instead of just sharing space ADJUST yourself instead of always correcting them FORGIVE hurts instead of rehearsing them APPRECIATE the good instead of only noticing the bad RENEW AFFECTION instead of letting love go cold A Christian marriage is not two perfect people in love. It is two forgiven people learning to love like Christ.

“For you know how, like a father with his children, we exhorted each one of you, and encouraged you, and charged you to walk in a manner worthy of God.” - 1 Thessalonians 2:11–12 With Father's Day approaching, it's worth asking a deeper question: What kind of legacy are we leaving as men, as dads, and as stewards of what God has entrusted to us? Jonathan Lewis, President of Eastport Financial Group and Founder of Fathers for Fathers, joined the show today to discuss fatherhood, faith, and the financial discipleship that can shape generations. Fathers for Fathers is a faith-based organization that restores hope, healing, and purpose in the lives of men, especially fathers. A Story God Redeemed Jonathan's passion for fathers is deeply personal. At 15 years old, he experienced the traumatic loss of his father in Nova Scotia. In the years that followed, he carried guilt, grief, and brokenness. He couch-surfed, slept in his car, and eventually joined the Canadian Armed Forces, where discipline helped steady his life. Looking back, Jonathan sees how God used even the painful parts of his story. The wounds and scars that once felt like liabilities have become part of the way he ministers to hurting men today. He points to Revelation 12:11, which speaks of overcoming “by the blood of the Lamb and by the word of their testimony.” God did not waste Jonathan's story. Instead, He redeemed it and now uses it to help other men find hope and healing. Your Story Is Not Over Many fathers carry silent shame or regret. Some feel they have failed their children. Others feel absent, discouraged, or unsure how to begin again. Jonathan's message to them is simple: Your story is not over if you are still breathing. Too often, men rehearse their failures and live in what Jonathan calls the “depreciation room,” constantly reminding themselves of what they have done wrong. But the gospel invites men to step out of shame and into repentance, responsibility, and renewed purpose. That does not mean minimizing sin or pretending failure has not happened. It means acknowledging what is true, bringing it into the light, and receiving the grace of Christ. As Jonathan explained, change requires contrition. It requires owning mistakes. And ultimately, it requires the substitute who has already stepped in for us: Jesus Christ. The First Step Toward Faithful Fatherhood For fathers who feel distant from their children, the first step may be small, but it should be faithful. Jonathan especially encourages absent fathers not to hide behind excuses. Many men who are not actively involved in their children's lives genuinely want to be, but they feel trapped by regret, conflict, or past failures. Still, faithfulness begins with taking responsibility. That may mean reaching out. It may mean providing financially. It may mean supporting your children's mother with humility and integrity. It may mean confessing hidden sin to a spiritually mature man and inviting him to hold you accountable. The goal is not to shame men, but to call them forward. Fatherhood requires courage, humility, and community. Men were not meant to carry the weight alone. Stewardship Begins at Home Because Jonathan also works with families through Eastport Financial Group, he sees stewardship as more than managing money. Biblical stewardship includes how we handle our time, relationships, influence, responsibilities, and resources. A man may be generous with money but neglect generosity with his love, presence, patience, or encouragement. That misses the point. Faithful stewardship begins at home. It starts with loving one's wife, caring for one's children, and dying to selfishness. Ephesians 5 calls husbands to love their wives as Christ loved the church. That kind of love is not merely dramatic sacrifice in a crisis; it is daily self-denial, service, and humility. Jonathan encourages men to “board up the depreciation room” when it comes to their wives and families. Instead of rehearsing frustrations and failures, men should intentionally practice gratitude, honor, and appreciation. From there, stewardship extends into work, provision, financial management, generosity, and spiritual leadership. Providing for one's family matters. Managing finances wisely matters. Going to work matters faithfully. But all of it should flow from a heart submitted to Christ. Financial Discipleship That Shapes Generations Fathers teach financial stewardship whether they realize it or not. Children notice what their fathers value, what they fear, what they chase, and what they trust. A father's legacy is not only measured by what he leaves behind financially. It is also measured by the priorities he models. Does he hold money loosely? Does he give generously? Does he trust God in uncertainty? Does he speak about provision with faith rather than fear? Does he show that people matter more than possessions? Financial discipleship begins when fathers connect money to worship, responsibility, generosity, and dependence on God. It is not merely about teaching children how to budget or save, though those skills matter. It is about showing them that everything belongs to God and that we are called to manage His resources for His glory. Hope for Every Father Some dads feel discouraged. Some feel like failures. Others may be doing many things well, but still sense that God is calling them deeper. The hope of the gospel is that no father is beyond the reach of God's grace. Romans 8 reminds us that nothing can separate God's people from the love of Christ. Not failure. Not regret. Not past sin. Not years of absence. God's grace is not permission to remain passive, but it is the power to repent, return, and walk in newness of life. Fatherhood is a calling that requires courage, but no man has to walk it alone. Through Christ, through the help of godly brothers, and through daily steps of obedience, fathers can leave a legacy of faithfulness that reaches far beyond finances. To learn more about Jonathan Lewis and the ministry of Fathers for Fathers, visit FathersForFathers.org. On Today's Program, Rob Answers Listener Questions: I just paid off one credit card and plan to pay off another by the end of the year. Should I stop using them completely, or make a small purchase each month to keep them active? I used to work in real estate and recently found an old cashier's check for about $8,000, possibly from an escrow account. How can I find out whether the bank will still honor it and what steps I need to take to get it paid? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Fathers for Fathers Eastport Financial Group Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Pastor Jeff as we wrap up our VBS lessons by exploring the important question, "Why do I need to respond to Jesus?" Discover why knowing who Jesus is isn't enough—we must each choose how we will respond to the truth of the gospel. Acts 2:38 38 Peter replied, "Each of you must repent of your sins and turn to God, and be baptized in the name of Jesus Christ for the forgiveness of your sins. Then you will receive the gift of the Holy Spirit.

Send us Fan MailKeeping a mental list of your spouse's mistakes feels like self-protection, but it quietly turns your home into a courtroom. When every argument pulls out old receipts, intimacy dies, progress feels impossible, and “I forgive you” starts sounding like a trap. We get honest about what list keeping really is: mentally recording mistakes, replaying past failures, storing hurt for future fights, and measuring your spouse by who they used to be instead of who they are becoming. We also dig into the deeper reason the list won't go away: the original wound never healed. That's why some couples describe a betrayal from five or ten years ago like it happened last week. We connect the dots between unforgiveness, negativity, and confirmation bias, and we challenge the habit of fault finding that makes you look for proof rather than pursue peace. Along the way, we ground the conversation in 1 Corinthians 13 and the idea that love keeps no record of wrongs, while still acknowledging a crucial truth: love and trust are not the same thing, and wise boundaries can coexist with real forgiveness. You'll walk away with practical steps to drop the list for good: forgive fully, stop rehearsing the offense, replace accusation with communication, separate patterns from moments, give credit for change, and ask God to heal the first hurt that started the scorekeeping. If you want a healthier marriage, a stronger emotional connection, and a future that isn't chained to the past, press play and do this with us. Subscribe, share this with a friend who needs it, and leave a review so more couples can find the help.GET THE BETTER MARRIAGE BOOTCAMP HERE:Better Marriage Bootcamp (kenandtabatha.com)Better Marriage 90-Day Devotional:90 Day Better Marriage Devotional - Ken and Tabatha (square.site)DOWNLOAD THE FAMILY MEETING OUTLINE HERE ⬇️https://www.kenandtabatha.com/pl/2148103888

During our working years, giving often feels straightforward. A paycheck comes in, and many believers give a set portion from that income. But retirement can make the question more complicated. That's why Anthony Saffer, CEO of One Degree Advisors, a Certified Financial Planner, Certified Kingdom Advisor® (CKA®), and host of the Retire Confidently YouTube channel, joined the show today to help retirees think wisely and biblically about giving in this season of life. Instead of a single paycheck, income may come from Social Security, pensions, investments, rental income, or savings. Some of that money may represent new earnings or investment growth. Some of it may be money already earned—and perhaps already tithed on—during the working years. So how should Christians think about tithing in retirement? The goal is not to create a perfect formula, but to pursue faithful, joyful generosity before the Lord. Giving Begins with the Heart Before considering the practical details, it's important to begin with the biblical foundation. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” While Christians may differ on how the Old Testament tithe applies today, Scripture consistently calls God's people to generosity. Giving is not meant to be driven by guilt, fear, or pressure. It is a response to God's grace. That remains true in every season of life—including retirement. For many believers, the tithe continues to serve as a helpful starting point. Randy Alcorn has called it the “training wheels of giving” because it provides structure, consistency, and a simple framework for generosity. But the tithe is not the finish line. It is a starting point for a life of open-handed stewardship. Why Retirement Makes Giving More Complicated In retirement, the question often becomes less about whether to give and more about how to apply giving wisely. That's because retirement income can come from several sources. Social Security may reflect years of payroll taxes. Pension income may include contributions from both the employee and employer. Investment withdrawals may include both principal and growth. Brokerage accounts, IRAs, and rental income can blur the lines even further. This is where the distinction between “increase” and “return of principal” becomes helpful. Increase refers to new earnings or growth. A paycheck is typically easy to identify as an increase. Investment gains, interest, dividends, or employer-funded benefits may also fall into that category. Return of principal refers to money already earned or contributed in the past. For example, if you withdraw money from an account that was funded with income you already tithed on, part of that withdrawal may simply be returning money you previously set aside. That distinction does not answer every question, but it gives retirees a helpful lens for thoughtful giving. Approach One: Give on the Increase One option is to tithe on the portion of retirement income that represents new growth or increase. For example, someone withdrawing from an investment account may try to estimate what portion of the account represents original contributions and what portion represents growth. The tithe could then be based on the growth portion rather than the full withdrawal. This approach may be especially meaningful for those who tithed consistently on gross income during their working years and want to avoid “re-tithing” on money they already gave from. Of course, the calculation will rarely be exact. Many retirees may not have decades of contribution records available. In that case, it may be wise to review statements, consider contribution history, and choose a reasonable estimate that can be applied consistently. The goal is not precision for precision's sake. The goal is thoughtful, intentional stewardship. Approach Two: Give on Income as It Is Received A second approach is to tithe on retirement income as it is received, including Social Security, pension payments, and investment withdrawals. This mirrors the way many people gave during their working years: income comes in, and a portion is given back to the Lord. The benefit of this approach is simplicity. It avoids ongoing calculations and allows giving to remain consistent and easy to understand. For many retirees, that clarity helps them stay faithful in their generosity. Some may ask, “But wouldn't that mean I'm giving again on money I already tithed on?” In some cases, yes. But those who take this approach often prioritize generosity over precision. They see every provision as a gracious gift from God and respond by giving systematically and joyfully. For them, the question is not, “What is the least I am required to give?” but, “How can I continue to honor the Lord with what He has entrusted to me?” Which Approach Is Best? There is not one answer that fits every retiree. Some believers value precision and want to avoid double-counting. Others value simplicity and consistency. Some are working with tight retirement budgets and need to think carefully about sustainable giving. Others may be able to give more generously than ever before. Married couples should talk and pray through the decision together. A financial advisor who understands biblical stewardship can also help retirees evaluate their income sources, giving goals, and long-term needs. What matters most is that the decision is made prayerfully, joyfully, and without compulsion. Both approaches can honor the Lord when they flow from a heart of gratitude and faithfulness. Faithfulness Is Not a Math Equation It is easy to overcomplicate giving in retirement. Some may feel pressure to find the perfect formula. Others may feel guilty because they are unsure whether they are doing enough. But Scripture points us back to the heart. Jesus warned against a kind of religious precision that counted every detail while neglecting justice, mercy, and love. Giving matters, but it must never become merely a calculation. It is an act of worship. So when the paycheck stops, and retirement income begins, the question is not simply, “What counts as income?” The deeper question is, “How can I continue to reflect God's generosity in this season?” Retirement may change the way income arrives, but it does not change the calling to steward faithfully. Whether you give based on estimated increase or on income as it is received, the goal is the same: faithful, joyful giving that honors God and blesses others. In the end, tithing in retirement is not about perfect math. It is about a faithful heart. On Today's Program, Rob Answers Listener Questions: My mom is 78 and still manages her own finances, but we're planning ahead. She doesn't want a general power of attorney because she wants to keep control for now. She's interested in a springing power of attorney, but I'm having trouble finding one. How can we get that set up? I live in Magnolia, Texas, where many families can't afford youth sports like flag football, baseball, or jiu-jitsu. I've been meeting with kids at the park once a week, but the group is growing, and I need help with equipment. How do I ask NFL teams or others for sponsorship? Do I need to start a nonprofit first, or can I seek support as I am? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) One Degree Advisors | Retire Confidently | Anthony Saffer & Alex Okugawa Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A healthy Christ-centered home begins with a healthy marriage covenant, not with better routines, cleaner homes, or even improved parenting, even though those are important.  In this episode, we'll explore why the relationship between husband and wife sets the foundation for the entire family, how marriage impacts the atmosphere of the home, and practical ways couples can cultivate greater unity, connection, and spiritual health. You'll learn how to invest in your marriage to strengthen your home and leave a lasting legacy for generations to come. ______________________________________________________________________________ Joslyn's Information: Joslyn@speaklifejos.com SYMBIS Assessment Overview Video: https://www.youtube.com/watch?v=_yjS3HOmruI The cost of the Assessment itself is $35. The cost for working through the facilitation process with me is on a sliding scale, based on the couple's needs. My standard amount to facilitate the SYMBIS, with coaching and the assessment included, is $250. Sessions are usually spread out over multiple weeks to take our time going through each section. However, I have worked with couples where we do a higher-level overview in a shorter span of time, and they dive deeper during their pre-marital counseling. My heart is to meet couples where they are, with scholarships included if needed–so please reach out to me via e-mail if you are interested in going through the process (joslyn@speaklifejos.com).  Here is the book bundle if you are interested in purchasing it: https://store.lesandleslie.com/collections/saving-your-marriage-before-it-starts/products/saving-your-marriage-before-it-starts-bundle You can read through the books completely separate from the SYMBIS assessment at any point and time❣️ ______________________________________________________________________________ Connect with LaRissa J: Faith Focused: A 31-Day Devotional  https://toddlermomdiaries.com/shop

Join Pastor Jeff and discover why Jesus is the Proven Son of God. Learn how Jesus did what no one else could do, proving that He is truly God's Promised, Perfect, and Powerful Son. Mark 15:39 39 When the Roman officer[a] who stood facing him[b] saw how he had died, he exclaimed, "This man truly was the Son of God!"

The Suffering of The Saints - The End of Days, A 30-Day Devotional #14 by Shawn Ozbun

Sometimes, a simple phone call becomes more than a request for help. It becomes a picture of the body of Christ at work. A few months ago, a listener named Renee from North Carolina called the show during a difficult season. As a widow raising her special-needs grandchildren on a fixed income, she was carrying a heavy burden. Medical bills were mounting, daily expenses were rising, and her grandchildren's needs were increasing. Renee later described that season as a time when she felt she was “running out of options.” There was only so much money available, and the girls were beginning to need more care and intervention than she could provide on her own. “It was disconcerting,” she said. “Things were falling apart.” But that phone call did not end with her struggle. It became the beginning of something deeply encouraging. A Listener Responds After Renee shared her story on the program, another listener, Dwayne, heard her need and felt led to help. Renee had never met him. She did not know his name at the time. But within a couple of days, she received word that someone wanted to step in and assist. Her first response was disbelief. “I'm still trying to process it,” she said. “There certainly had to be more people deserving than me.” But as the situation unfolded, Renee began to see the Lord's hand in it. “This had to have come from God,” she said. “You don't turn God down.” Help Given With Care FaithFi works with Helping Hands in situations like this to ensure needs are carefully reviewed and assistance is handled wisely. Helping Hands walks through a process that includes reviewing documents and bills, conducting interviews, and confirming the specific needs. In Renee's case, the ministry met with her several times, verified the situation, and then paid the bills directly. That support helped provide relief in several areas. Renee received assistance with her mortgage, groceries, and gas. She had recently started going to a food bank, but her grandchildren's doctor appointments often prevented her from getting there. As food and gas prices continued to rise, even practical help with daily expenses made a significant difference. “It was just mind-boggling,” Renee said. The Gift of Prayer While the financial assistance was meaningful, Renee also wanted listeners to know that their prayers were felt. “To the listeners, first, you can feel the prayers that go out,” she said. “It's palpable.” She described a series of events that followed, moments where she knew people were actively praying for her and her grandchildren. That spiritual support helped lift the burden she had been carrying. “I'm able to smile and give genuine hugs and devote my brain to my girls,” she said. “That is God's gift.” A Word of Thanks When Renee finally learned Dwayne's name, she said she could now add him to her prayers. “To Dwayne, I am forever in your debt,” she said. “Your heart is huge. I don't know your situation, but God bless you. Truly, God bless you, because you made a world of difference for my girls and me.” Her gratitude was not only for the financial support but for the reminder that she had not been forgotten. God had used the generosity of one listener, the prayers of many, and the careful work of a ministry partner to bring help at just the right time. Bearing One Another's Burdens Galatians 6:2 says, “Bear one another's burdens, and so fulfill the law of Christ.” That is what we see in Renee's story. One member of the body of Christ carried a heavy load. Another member saw the need and responded. Others prayed. A ministry came alongside with wisdom and care. This is not merely a story of generosity. It is a picture of Christian love in action. When God's people respond to real needs with compassion, wisdom, and humility, burdens are shared. Hope is strengthened. And the body of Christ bears witness to the love of Christ. Renee's story reminds us that no act of generosity is too small when placed in God's hands. A phone call, a prayer, a gift, or a willingness to step into someone else's burden can become a powerful expression of grace. And sometimes, when one person's burden becomes another person's calling, we get to see the church become what it was always meant to be. If you ever hear a story on this program and feel prompted to help, we'd love to hear from you. While we can't meet every need, we do have a careful process through our partnership with Helping Hands to connect generous listeners with verified needs.  If you'd like to explore how you might come alongside someone in that way, email us at info@faithfi.com or let us know when you call the program. On Today's Program, Rob Answers Listener Questions: I'm looking for advice on credit repair. What steps can I take to improve and rebuild my credit? My two grandchildren, ages 17½ and 16, inherited about $10,000 currently in CDs that are coming due. Should we let the CDs roll over for another two years at about 4%, or is there a better way to invest the money so it can grow and they won't have full access until closer to age 21? I'm a sole proprietor and have worked for 47 years. I often help family members during emergencies, but some struggle with consistent work. How do I balance generosity with not enabling dependence, and where should I draw the line? I have a 401(k) through Empower, and my investments seem very volatile. Should I keep using the current options, switch to a target-date fund, or consider their managed account service—especially given the fees? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Helping Hands Charitable Schwab Intelligent Portfolios® | Fidelity Go® Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Pastor Jeff as we continue our VBS recap week and discover why Jesus is the Powerful Son of God. Learn how His miracles revealed His divine power and showed that He came to restore what sin had broken and bring people back into relationship with God. Matthew 28:18 18 Jesus came and told his disciples, "I have been given all authority in heaven and on earth.

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

Have you ever felt completely stuck when it comes to body image, or really ANY area where you just can’t get unstuck, no matter what boxes you check? In this episode, Heather Creekmore dives into the underlying reasons we stay stuck and offers a biblically-rooted path toward true freedom. Episode Highlights Why Do We Get Stuck? Exploring the feeling of desperation and stuckness, especially around body image or life circumstancesHeather Creekmore shares the real-life struggle and the “one thing” mindset00:00:09 Parallels with the biblical story of Rachel & Leah’s desperate longing00:03:01 The Root of Stuckness: Envy and Comparison How envy eats us alive—what Rachel and Leah were really longing for, and how this shows up in our own lives00:03:51 The dangerous pattern of “Give me _ or I’ll die!” and how this mindset affects our faith and contentment00:05:10 False Solutions and Chasing Idols Why achieving our desires (like Rachel’s longed-for baby) doesn’t satisfy in the end00:10:17 How “self-improvement” can actually lead to more pride and stuckness instead of freedom00:25:17 The Call to Pure Humility A deep dive into biblical humility vs. pride; why humility is about focusing less on ourselves00:13:15 The example of Mary (mother of Jesus) and her response of true humility and worship00:24:35 Getting Unstuck: Practical Steps Why you can’t do it alone—why Christian community, confession, and honest conversations are crucial00:31:19 How zooming out (not magnifying your own issues) can change everything00:30:26 Final Encouragement Reminder: body image healing isn't just mental...it’s spiritual. It's very difficult, if not impossible, to heal in isolation or alone.00:35:29 Mentioned Episodes and Resources The following episodes and resources are referenced and would be linked in the show notes: Episode: “What if I Just Want a Body I'm Proud Of?”(Heather Creekmore discusses the pitfalls of longing for body satisfaction through surface change. Episode: “I'm Sorry I Got it Wrong: Why Leaning On Your Own Understanding Isn't the Answer”(Discussed at 00:20:35) “Waiting for Weight Loss” Series(A series reframing how we view weight loss and its relationship to body image freedom) “YouVersion Bible Reading Plans” (Summer Body Image Issues and More)(Find Bible-based reading plans tailored to body image struggles) Book: The Comparison Free Life(Learn more about chasing idols and biblical freedom) Book: The 40-Day Body Image Workbook Book: Aging Gratefully: A 30-Day Devotional for Women in Midlife Book: Heather's story- Compared to Who? Stay Connected Take the free body image quiz and access all resources at improvebodyimage.com Interested in one-on-one, bible-based coaching (nouthetic counseling)? Visit the “Work with Me” and “Beyond Body Image” sections of the site. If you’re struggling, don’t walk the road alone! Share the episode with a friend or invite someone to join the next 40-Day Journey for Christian women. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

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

Join Pastor Jeff as we continue our VBS recap week and discover why Jesus is God's Perfect Son. Learn how Jesus' perfect obedience and sinless life set Him apart and make Him the Savior we all need. Mark 1:11 11 And a voice from heaven said, "You are my dearly loved Son, and you bring me great joy."

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

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

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

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

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

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

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

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

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

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

Guest: Elizabeth Laing ThompsonBook: In Season: A 90-Day Devotional for Female Student Athletes to Build Faith, Strengthen Confidence, and Train a Growth MindsetWebsite: lizzylife.com

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

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

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

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

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

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

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

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

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

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

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

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

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