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Welcome to Soundbites: Topics that are scripturally sound in bite-sized episodes. This week's topic: Anger. Are you angry with someone right now? The strong emotions and reactions that come with anger can get us into trouble. Being angry is not a sin by itself, but the way we express that anger can easily become sinful and harmful. This brief study will give us biblical patterns to follow, helping us to improve in our responses. Anger makes a really poor parking spot for the soul. Don't stay there. Forgiveness is more than an option; it's biblical. (Rebroadcast from 2022) "Be not hasty in thy spirit to be angry: for anger resteth in the bosom of fools." (Ecclesiastes 7:9) 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

What if the greatest shift you could make in your financial life didn't begin with a new budget, a better investment strategy, or a higher income—but with surrender? We don't often think of surrender as a financial word, but it lies at the heart of biblical stewardship. When we embrace the life-changing truth that God owns everything, it transforms how we live, give, plan, and manage the resources He has entrusted to us. The First Question Scripture Asks When we think about money, we tend to ask familiar questions: How much do I have? How much will I need? Am I making progress? Am I doing better or worse than others? Those questions may be important, but they are not where Scripture begins. From the opening pages of the Bible, God is revealed as the Creator and owner of everything. Before humanity ever cultivated a garden or named a creature, God formed, filled, and ruled creation. Psalm 24:1 declares: “The earth is the Lord's and the fullness thereof, the world and those who dwell therein.” Simply put, God is the owner, and we are His stewards. For many Christians, that is a familiar idea. But familiarity does not always lead to surrender. We may affirm that God owns the universe while living as though we built our lives entirely through our own effort. We say, “I worked for this,” or, “I earned this.” And while diligent work matters, Scripture reminds us that even our ability to produce wealth comes from God. Deuteronomy 8:18 says: “You shall remember the Lord your God, for it is he who gives you power to get wealth.” Our talents, opportunities, health, time, and ability to work are all gifts from the Lord. Owners or Stewards? Jesus develops this idea in the parable of the talents in Matthew 25. A master entrusts resources to three servants before leaving on a journey. Two servants put what they received to work, while the third buries his portion out of fear. When the master returns, he commends the first two servants—not merely because they produced impressive results, but because they were faithful. That distinction matters. The world often defines success by outcomes: how much we earn, accumulate, grow, or achieve. God calls us to something deeper—faithfulness with whatever He has placed in our hands. If God owns everything, then we are not owners in the ultimate sense. We are managers. The New Testament word commonly translated as “steward” is oikonomos, meaning “household manager.” A steward manages resources he did not create, for purposes he did not determine, under the authority of the master he serves. At first, that may sound limiting. In reality, it is profoundly freeing. As financial teacher Ron Blue has often said, “If God owns it all, you can't lose anything.” Ownership carries an enormous burden. The owner must ultimately provide, protect, and control. But if God is the owner, then we do not have to carry those responsibilities alone. Stewardship carries responsibility, but it also rests on trust. When Financial Choices Become Worship When we truly embrace stewardship, ordinary financial decisions become opportunities to worship God. Budgeting becomes more than organizing income and expenses. It becomes a way of aligning our desires with God's priorities. Giving becomes a response to the generosity we have already received from Him. Saving becomes wise preparation rather than fearful hoarding. Planning becomes an act of obedience rather than an attempt to control every possible outcome. Investing becomes a way to cultivate and multiply what belongs to the Lord, not a strategy for securing complete independence from Him. The Puritan pastor Thomas Watson once wrote, “What we keep, we may lose. What we give to God is kept forever.” That statement reminds us that earthly ownership is temporary, but faithful stewardship has eternal significance. The apostle Paul writes in 1 Timothy 6:7: “For we brought nothing into the world, and we cannot take anything out of the world.” That reality is not meant to discourage us. It is meant to liberate us. When we stop clutching what we cannot keep, we become free to invest our lives in what can never be lost. Faithfulness Begins With Surrender If God owns everything, what does He expect from us? Jesus gives us a clear answer in Luke 16:10: “One who is faithful in a very little is also faithful in much.” Faithfulness is not determined by the size of our income, investment portfolio, home, or charitable gifts. It is about how we respond to whatever God has entrusted to us. Stewardship is not reserved for the wealthy. It applies to every person in every financial season. A person living paycheck to paycheck can be faithful. A retiree managing decades of savings can be faithful. A young adult earning their first salary can be faithful. A business owner, parent, student, or widow can all honor God through the resources in their care. Faithfulness is not primarily about how much we have. It is about whether we have surrendered what we have to God. And surrender always begins in the heart. The Humility and Hope of Stewardship When we accept that God owns it all, we receive two things the world cannot offer: humility and hope. We gain humility because we stop viewing our accomplishments as entirely self-made. We recognize God as the source of our abilities, opportunities, and provision. We gain hope because we realize that we are not carrying the burden of provision alone. God equips. God guides. God provides. That does not mean we stop working, planning, or making wise decisions. Biblical stewardship requires diligence. But it allows us to work faithfully without treating every result as though it depends entirely on us. So where might God be inviting you to shift from an owner's mindset to a steward's heart? Perhaps it is in your giving, planning, saving, or lifestyle. Perhaps it is in the quiet assumption that your security depends more on markets, income, or possessions than on the God who “owns the cattle on a thousand hills” (Psalm 50:10). Stewardship is not about God trying to get something from you. It is about God doing something within you. It reorders the heart so that money occupies its proper place—not as a master, but as a tool entrusted to us for God's purposes and glory. Continue the Journey To explore more about God's ownership and the surrender at the heart of faithful stewardship, consider Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. This devotional is designed to help you examine your relationship with money, possessions, generosity, and the God who owns it all. Copies are available for individuals, churches, and small groups at FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I'm working on my budget and currently contributing 15% to my 401(k), with about a 5% employer match. But I have less than two months of expenses in my emergency fund. Should I reduce my 401(k) contributions and focus on building six months of emergency savings first? My mother passed away and left my sister a house in Lares, Puerto Rico, but the title was never transferred into my sister's name. She's been living there for about a year. What process does she need to follow to get legal ownership under Puerto Rico law? Some relatives inherited property and are receiving calls from out-of-town people offering to help them sell it. What kind of professional should they work with? Could a Certified Kingdom Advisor® (CKA®) help them find a trustworthy real estate attorney or other needed professionals? I'm a widow, and since my husband passed away a couple of years ago, I've felt unsure about financial decisions. I have a little over $1 million in an IRA, no debt or mortgage, and my expenses are covered by survivor Social Security and part-time work. I want to steward these assets well for my children and grandchildren. What strategy should I consider for the IRA, and what kind of advisor should I work with? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.  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.

What if one simple morning habit could help you sleep better, lower stress, and bring more peace to your day?In this third episode of the Summer Soul Glow Up series, Bonnie shares how learning the science of morning light helped reset her sleep — and how she's adjusting her summer glow up practice in the midst of a tough season to meet with God and receive His peace.If you've been waking up anxious, feeling emotionally drained, or longing to begin your day with more hope, this episode will encourage you to discover how God's design for your body can become a pathway to caring for your soul.Key Takeaways— Why morning light helps reset your body's internal clock
— The surprising connection between sunlight, sleep, and emotional well-being— How one simple morning practice can calm fear and renew hope
— Why caring for your body can open your heart to God
— A gentle soul care rhythm to begin each day with peaceBreath Prayer
Inhale: Speak, Lord...
Exhale: I am listeningScripture
"Speak, Lord, for your servant is listening." 1 Samuel 3:10 → Bible-in-a-Year Plan by Biblica (on the Bible App)The International Bible Societyhttps://www.bible.com/en/reading-plans/19038 → Join Bonnie on Instagram @thebonniegray → 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.

Today in our Summer Series, Pastor Jeff begins the letter M by sharing how we can make someone's day by using our words and actions to encourage and build others up. Ephesians 4:29 Do not let any unwholesome talk come out of your mouths, but only what is helpful for building others up according to their needs, that it may benefit those who listen.

When God entrusts us with more than we need, the question is not simply “How can we preserve it?” or “How can we grow it?” The deeper question is, “What is this surplus for?” That question moves stewardship beyond spreadsheets, tax strategies, and investment performance. It takes us into matters of the heart, family, calling, and purpose. And for many families, that is where stewardship becomes both more challenging and more meaningful. Rachel McDonough, a Certified Kingdom Advisor® (CKA®), Certified Financial Planner (CFP®), and author of The River and the Garden: A Story of Faithfully Stewarding Surplus, joined the show today to explore how Christians can think more deeply about stewarding wealth, especially when they have been entrusted with more than they need for provision. Why Tell a Stewardship Story? Rachel has spent more than 20 years crafting financial plans. So when her publisher first suggested she write fiction about stewardship, she was surprised. After all, much of the financial world is built around practical tools, frameworks, and step-by-step guidance. But Rachel came to see that a story can reach places a spreadsheet cannot. That matters because real families do not fit neatly into formulas. They bring different perspectives, fears, desires, wounds, and hopes to the table. And when money is involved, especially significant money, those relational dynamics often come to the surface. That is part of what makes The River and the Garden unique. It is not a technical manual. It is a parable about wealth, family, faith, and the purposes of God. The River, the Garden, and the Craig Family The novel follows three generations of the Craig family. Maddie, the grandmother and matriarch, has come into a surplus after the sale of a family business. Her son Roger is analytical, driven, and accustomed to solving problems through strategy and optimization. Willow, Maddie's granddaughter, is a young artist who wants little to do with money, numbers, or spreadsheets. Together, they begin a journey that takes them through overlooked neighborhoods in Dallas and even to Rwanda as they explore investment and giving opportunities. Along the way, they wrestle with a central question: What does it look like to steward a surplus faithfully? The imagery of the book is simple but powerful. The river represents capital. The garden represents what we choose to water, cultivate, and grow. That image reframes the way we think about money. Capital is not neutral. It does not merely sit still in an account. It flows somewhere. It waters something. And the faithful steward must ask whether those resources are flowing toward purposes that honor God and serve others. When Capital Becomes Stagnant One of the most striking scenes in the book comes through one of Willow's dreams. In it, she sees dark, stagnant pools of water—a picture of capital left unattended. Rachel says that the image should unsettle thoughtful Christians for at least two reasons. First, capital never truly stands still. We may think of it as simply “sitting” in an investment account, but it is always connected to something. It may be funding businesses, industries, practices, or systems that either contribute to human flourishing or diminish it. Second, surplus wealth needs a purpose. Investing for provision is good and right. Families should plan wisely, save diligently, and seek to provide for their needs. But when a family has more than enough for provision, the conversation should expand. What is the surplus for? Rachel describes surplus as “fuel”—an accelerant for the vision and calling God has placed before a family. That does not mean being careless or impulsive. It means prayerfully assigning purpose to resources rather than allowing them to drift without intention. Provision, Impact, and Prayerful Tension Rachel shared that she and her husband have wrestled personally with this tension between provision and impact. In some cases, they have chosen to invest a portion of their non-retirement savings in redemptive businesses that seek to address serious needs, including a company working toward cancer treatment that could serve not only affluent patients but also people in the Global South. Those choices were not haphazard. They were made through prayer, analysis, planning, and mutual agreement as husband and wife. That is an important distinction. Faithful stewardship is not the same as recklessness. Trusting God does not mean ignoring wisdom. Rather, it means recognizing that the resources God entrusts to us may have purposes beyond our own security. A Book for Those Asking, “What Is This For?” Rachel says The River and the Garden is especially for those who have been entrusted with more than they need and are asking what faithful stewardship looks like now. That may include someone who has received an inheritance, sold a business, accumulated significant assets, or reached a point where the resources exceed what is needed for ordinary provision. For those families, new opportunities may open up in both giving and investing. Many people are familiar with stocks, bonds, mutual funds, and traditional charitable giving. But when surplus is truly available, there may be opportunities to support redemptive businesses, private investments, community development, global work, or other efforts that are not always on a family's radar. Surplus wealth can easily become a source of pride, fear, or conflict. But rightly understood, it can become a tool for joining in the good work God is doing in the world. Aligning Head and Heart At the emotional center of the story is the relationship between Roger and Willow. Roger represents technical mastery. He is confident in spreadsheets, strategies, and optimization. Willow represents relational insight and imagination. She sees the human cost of wealth and longs for transformation, but she initially wants nothing to do with financial conversations. Their journey shows the importance of bringing head and heart together. Faithful stewardship requires wisdom, planning, and diligence. But it also requires love, humility, discernment, and imagination. If we only optimize, we may miss the people and purposes God is inviting us to see. If we only dream, we may neglect the responsibility that comes with stewardship. Near the end of the story, Maddie reflects on the windfall that came from the sale of the business her husband built. She recognizes that the family may have worked too hard and sacrificed too much along the way. She cannot recover the time that was lost, but she can still ask that the money count for something. Many families cannot rewrite the past. They cannot undo every sacrifice, repair every regret, or reclaim every missed moment. But by God's grace, they can still ask what faithfulness looks like today. On Today's Program, Rob Answers Listener Questions: I'm 65 and have an annuity worth about $28,000. I'm considering taking monthly withdrawals from it. Is that a wise option? I've been a member of my church for 10 years and have always tithed from my salary. Lately, I'm struggling with some of the church's spending decisions, including music-related purchases and the shift in support from a women's shelter to library reading programs. How should I think about continuing to tithe when I disagree with how some of the money is being used? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Garden Audit Assessment The River and the Garden: A Story of Faithfully Stewarding Surplus by Rachel McDonough 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.

Today Pastor Jeff wraps up the letter U by sharing how God gives each of us unique talents that can make a difference and help build His Kingdom. Exodus 31:3-5 and I have filled him with the Spirit of God, with wisdom, with understanding, with knowledge and with all kinds of skills—  to make artistic designs for work in gold, silver and bronze, to cut and set stones, to work in wood, and to engage in all kinds of crafts.

Amos 3:3 asks, “Do two walk together, unless they have agreed to meet?” In context, the prophet is speaking of Israel's relationship with God. But the principle also reminds us of something important for marriage: a husband and wife cannot walk together well unless they are headed in the same direction. That is especially true when it comes to money. For many couples, finances become a source of tension, secrecy, resentment, or fear. But God designed marriage for unity. And when handled with wisdom, humility, and shared purpose, money can become one of the tools God uses to strengthen a couple's oneness rather than divide it. Matt Bell, Managing Editor at Sound Mind Investing and author of Starting Strong: Discovering the Good That Money Can Do in Your Marriage, joined the show today to remind us that couples can begin to see money differently when they stop thinking in terms of “yours” and “mine” and begin embracing a unified “ours.” Why Money Can Divide a Marriage Couples do not enter marriage as blank slates. Each person brings a financial story with them. That story may include how their parents handled money, whether money felt scarce or secure growing up, how debt was viewed, what saving meant, and whether spending brought joy, stress, or conflict. One spouse may naturally lean toward saving, while the other is more comfortable spending. One may want to stretch for a larger home, while the other prefers a more conservative approach. Those differences do not have to become destructive. But they do need to be acknowledged. Money disagreements are often not just about numbers. They are about fears, hopes, expectations, habits, and deeply formed assumptions. That is why patience and honest conversation are so important. Unity does not usually happen by accident. It grows through prayer, listening, humility, and a shared commitment to honor God together. Start With a Shared Vision Before couples make decisions about accounts, budgets, debt, or spending, they need to begin with a bigger question: What are we trying to do with what God has entrusted to us? Matt encourages couples to start by casting a shared vision rooted in their faith. That means praying together and committing their financial lives to the Lord. It means agreeing that everything ultimately belongs to God and that they are stewards—not owners—of what He has provided. That foundation matters because financial unity is not merely about efficiency. It is about discipleship. A couple's financial decisions should reflect their shared desire to serve the Lord, follow His Word, care for one another, practice generosity, and walk together in faithfulness. When couples begin there, they are better prepared to work through practical questions because they have already agreed on the direction they want to go. Consider the Gift of Joint Accounts One practical question many couples face is whether to combine finances or keep accounts separate. While some accounts, such as IRAs, must remain individual, Matt strongly recommends joint checking and savings accounts wherever possible. Joint accounts can foster transparency, teamwork, and trust. They help prevent secrecy and reinforce the reality that husband and wife are approaching life together. Research from Indiana University found that couples who combined their finances experienced fewer financial fights and greater marital happiness. One surprising finding was that couples with combined finances were more likely to serve one another without expecting something in return. The researchers described this as a more “communal” relationship—one marked by responding to a spouse's needs simply because there is a need. That picture fits beautifully with a biblical vision of marriage. Combining finances is not merely an administrative choice. For many couples, it can be a tangible step toward oneness. Of course, if one spouse is hesitant, the answer is not pressure or blame. The better path is prayerful conversation. Couples can return to Scripture, talk honestly about fears, and ask what practices would best cultivate unity, trust, and transparency in their marriage. Hold Regular Money Meetings Unity also requires communication. A shared vision is important, but couples need regular rhythms to live it out. Matt recommends that couples take the time necessary to create a cash flow plan that reflects their commitments and goals. At first, that may require several conversations. Once the plan is in place, couples can schedule a monthly meeting—perhaps 60 minutes at the end of each month—to review how things went and what needs to change. Over time, those meetings may become shorter. But the goal is not simply to look backward and see what happened. The goal is to manage money intentionally throughout the month. That means checking the plan before spending. Before heading to the grocery store or buying clothes, couples can look at the relevant category and let that information guide their decisions. This kind of ongoing communication helps prevent surprises and keeps both spouses engaged. A cash flow plan should not feel like a punishment. It is not mainly about restriction. It is about direction. It gives couples more knowledge, more intentionality, and more freedom to use money for what matters most. Let Generosity Reorient Your Hearts Generosity is one of the most powerful ways couples can move from self-focus to God-focus. Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). Giving is not just a financial act; it is a spiritual one. It trains our hearts to remember that God is our provider, that everything belongs to Him, and that money is a tool for loving Him and serving others. For married couples, generosity can become a shared joy. When a couple gives together, they are reminded that their financial life is not merely about paying bills, reducing debt, or reaching personal goals. It is about participating in the work God is doing in the world. That does not mean couples should give out of guilt or ignore real financial responsibilities. But it does mean generosity should have a meaningful place in the conversation. Even in seasons of debt repayment or financial pressure, couples can prayerfully ask, “Lord, how would You have us live open-handedly with what You've entrusted to us?” The goal is not to win an argument. The goal is to walk together. On Today's Program, Rob Answers Listener Questions: How important is it to hold physical gold and silver for retirement? What percentage of a portfolio should be in precious metals, and is it better to invest in gold, silver, or both? My mom passed away, and my sister and I inherited her home, worth about $300,000 to $350,000. I'm currently living there, but I recently lost my job and likely wouldn't qualify for a loan to buy out my sister's share. I have unemployment income, a 401(k) I could roll into an IRA, and I plan to start Social Security early next year. Should I try to keep the house, or would it be wiser to sell it and downsize? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing Starting Strong: Discovering the Good That Money Can Do in Your Marriage by Matt Bell 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.

Today Pastor Jeff shares how God uniquely designed each of us with different talents, and every gift has an important place in His family. 1 Corinthians 12:5-6 There are different kinds of service, but the same Lord. There are different kinds of working, but in all of them and in everyone it is the same God at work.

What if self-control isn't mainly about saying no, but about keeping Christ at the center of what we desire? Money has a way of revealing what our hearts are chasing. Our spending, saving, giving, and borrowing decisions often tell a deeper story about what we love, what we fear, and what we believe will satisfy us. That's why biblical temperance is about far more than discipline or willpower. In our continuing series on the cardinal virtues and how Christian character shapes the way we handle money, author and theologian Pierce Taylor Hibbs joined the show to help us consider temperance, or self-control.  He is a Senior Writer at Westminster Theological Seminary and the author of The Book of Giving: How the God Who Gives Can Make Us Givers. Today, he reminds us that self-control is not merely a human achievement. It is a gift of the Spirit that helps us enjoy God's gifts without letting them take God's place. Self-Control Is a Heart Issue When many people hear the word “self-control,” they think of willpower. They imagine discipline, restraint, or simply saying no to whatever they want in the moment. But Scripture gives us a deeper picture. Self-control is not merely a personality trait some people have and others lack. It is not gained by sheer determination. Instead, self-control is closely connected to the heart. A lack of self-control often reveals disordered desires—places where our hearts are chasing something other than God. The presence of self-control reveals a heart that is increasingly content in God and His promises. That means temperance is not about rejecting every enjoyable thing in the world. It is about rightly ordering our loves. God must be first, and everything else must take its proper place beneath Him. In other words, self-control is about keeping first things first. A Gift of the Spirit That truth should encourage us. If self-control were only a matter of willpower, many of us would have little hope. We have all experienced the frustration of trying harder, setting new goals, making new rules, and still falling back into the same habits. But Galatians 5 tells us that self-control is a fruit of the Spirit. It is something God produces in His people as we walk with Him. That does not mean discipline is unimportant. Habits, boundaries, budgets, and accountability can all be helpful tools. But they are not the source of true self-control. The source is God Himself. So when our desires are out of order, the first step is not merely to try harder. It is to turn to the Lord in prayer and ask Him to form in us what we cannot produce on our own. God has given us a new heart in Christ, and by His Spirit, He teaches us to desire what is good, lasting, and true. Enjoying God's Gifts Without Replacing Him Temperance may involve restriction because our desires can easily become disordered. But restriction is not the goal. The goal is joy rightly ordered under Christ. A simple example is something like coffee or sugar. There is nothing wrong with enjoying either. They can be good gifts from God. But if our world were to fall apart without them, that might reveal something about the state of our hearts. The problem is not that we enjoy good things. The problem comes when we love those things more than we love our relationship with the Lord. A helpful question to ask is: What is my heart chasing right now? That question applies not only to food and drink, but also to money. What are our purchases chasing? Comfort? Control? Status? Escape? Approval? Security? Pleasure? None of those desires is unfamiliar to the human heart. And money often becomes the tool we use to pursue them. Why Money Reveals Our Desires Paul writes in 1 Timothy 6:10 that “the love of money is a root of all kinds of evils.” The issue is not money itself but the heart's relationship to it. Jesus also warned that we cannot serve both God and money. Money is powerful because, in many ways, it functions like a key. It can unlock access to many of the things the heart desires—comfort, influence, experiences, possessions, pleasure, recognition, or a sense of control. That is why our financial decisions are so revealing. They show what we are chasing. Of course, money can be used in a good and God-honoring way. It can provide for needs, support a family, bless a neighbor, fund ministry, relieve suffering, and express worship through generosity. But money can also reveal that our hearts are running after something other than God. Our spending decisions tell a story. The question is whether that story points to Christ as our greatest treasure. The Challenge of a Consumer Culture Financial self-control is especially challenging in a culture that constantly tells us to buy now, upgrade now, and satisfy every desire now. Technology has made temptation more immediate than ever. Social media platforms and online ads are designed to place curated products directly in front of us. The very things we are most likely to want often appear in our feeds, inboxes, and search results. That means our commitment to Christ is being tested constantly—not only by obviously sinful things, but also by good gifts that can quietly become ultimate things. A vacation can be a gift. A home can be a gift. A hobby can be a gift. A meal, a phone, a car, a cup of coffee, or a new pair of shoes can all be received with gratitude. But when the gift becomes more captivating than the Giver, our desires have become disordered. Temperance helps us receive God's gifts with open hands, gratitude, and perspective. Jesus Shows Us Perfect Self-Control One beautiful picture of this comes after the resurrection in John 21. The disciples had spent the night fishing and caught nothing. Jesus met them on the shore and neither rebuked them for fishing nor told them that physical things did not matter. Instead, He helped them find fish, prepared a fire, and invited them to breakfast. Fresh fish and warm bread were not treated as distractions from spiritual life. They were gifts to be enjoyed with Jesus at the center. That is a wonderful picture of temperance. Biblical self-control does not require us to reject every earthly blessing. It teaches us to enjoy every blessing in communion with Christ, remembering that He is better than the gifts He gives. We do not need to abandon money or pretend material needs do not matter. But we do need to ask whether Christ remains central in how we earn, spend, save, give, and enjoy. A Question for Every Financial Decision So how can we practice temperance in our financial lives this week? One simple question can help: How is God remaining central in this decision? That question does not produce a mechanical answer, but it does reveal the heart. It invites us to pause, pray, and consider whether our money is serving our love for God or competing with it. Self-control is not the joyless denial of every good thing. It is the Spirit-given ability to enjoy God's gifts without letting them replace God as our ultimate treasure. On Today's Program, Rob Answers Listener Questions: I'm 67, and my wife is 68. We have a traditional IRA, and I'm concerned that once RMDs begin at 73, the withdrawals could eventually push us—or my wife, if I pass first—into a higher tax bracket and increase Medicare premiums. What planning steps should we consider? I've been overpaid on Social Security SSDI and am currently repaying it. Do I have to repay the full amount before I can switch to my regular Social Security retirement benefit? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) The Book of Giving: How the God Who Gives Can Make Us Givers by Pierce Taylor Hibbs 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.

Today Pastor Jeff shares that every good gift comes from God, including the unique talents He has given each of us to bless others and glorify Him. James 1:17 Every good and perfect gift is from above, coming down from the Father of the heavenly lights, who does not change like shifting shadows.

Welcome back to Build Your Bible Habit, where you can read along to an audio chapter of Proverbs. Be sure to visit the entire Proverbs audio library HERE to access all 31 chapters. Here's a verse from Proverbs 14 that serves as a relationship preservative: "He that is slow to wrath is of great understanding: but he that is hasty of spirit exalteth folly." (Proverbs 14:29) Learning how to control our tempers is related to the character qualities found in the fruit of the Spirit: "But the fruit of the Spirit is love, joy, peace, longsuffering, gentleness, goodness, faith, Meekness, temperance: against such there is no law." (Galatians 5:22-23) The next time you're tempted to blow up all over someone, press pause in your soul and be "slow to wrath." It is wisdom in action. 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

The birds don't gather into barns. The lilies don't spin their own clothing. Yet Jesus says both have something to teach us about trust. Financial fear often begins when we realize how much we cannot control. We can plan wisely, save diligently, and prepare carefully—but tomorrow still belongs to God. That's why Jesus' words in Matthew 6 offer such deep comfort for anxious hearts. When Worry Feels Heavy In Matthew 6, Jesus says, “Do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on.” Later, He adds, “Do not be anxious about tomorrow, for tomorrow will be anxious for itself.” For anyone who has struggled with financial fear, those words can feel heavy. You may think, I know I shouldn't worry—but I do. You worry about the bills. You worry about your job. You worry about the market, retirement, your children, or what happens if the car breaks down, the medical bill comes in, or the paycheck doesn't stretch far enough. And then, on top of the worry, you may feel guilty for worrying. But Jesus is not standing over anxious people simply saying, “Stop it.” Instead, He draws near and says, “Look.” Look at the Birds. Consider the Lilies. Jesus invites us to look at the birds of the air and the lilies of the field. He points us to a world that does not revolve around our control, our striving, our spreadsheets, or our ability to predict every outcome. “The birds of the air” do not sow or reap or gather into barns, and yet our heavenly Father feeds them. The lilies do not toil or spin, and yet not even Solomon in all his glory was clothed like one of them. Jesus is not saying planning is wrong. Scripture encourages wise preparation and faithful stewardship. But He is exposing the illusion that we are in control. Anxiety often grows in the gap between what we can manage and what we cannot guarantee. We can make a budget, but we cannot control tomorrow. We can save wisely, but we cannot control the economy. We can work faithfully, but we cannot control every outcome. And when we begin to believe everything depends on us, stewardship becomes a crushing burden. Planning turns into panic. Saving turns into hoarding. Responsibility turns into fear. Your Father Knows That's why Jesus tells us to look beyond ourselves. The birds are a sermon in the sky. The flowers are a testimony in the field. Creation itself is preaching the care of God. And Jesus' point is not merely “Don't worry.” His deeper point is this: Your Father knows. Your Father knows what you need. Your Father sees what burdens you. Your Father understands the bills, the uncertainty, the decisions, the pressure, and the fear that wakes you up at night. And if He feeds the birds—creatures that do not bear His image—how much more will He care for you, His beloved child? That does not mean every financial difficulty disappears. Jesus never promises a life without trouble. In fact, He says, “Sufficient for the day is its own trouble.” There are real burdens in this life. There are real needs. There are real moments of uncertainty. But Jesus invites us to face today's trouble with today's grace. Today's Trouble, Today's Grace “Do not be anxious about tomorrow” is not a cold command. It is a tender invitation. Jesus is reminding us that we do not have to live as though the future rests on our shoulders. We do not have to secure our own universe. We do not have to hold everything together. Our Father is already there. So what do we do with financial anxiety? We bring it honestly to God. We name the fears we are carrying. We ask for wisdom where action is needed. We seek wise counsel when decisions feel too heavy. And then, with open hands, we release what we cannot control. We do the next faithful thing today. Our Security Is in God As we do, we remember that our security is not ultimately in our income. It is not in our investments. It is not in our plans. It is not in our ability to foresee tomorrow. Our security is in God—the One who knows what we need, invites us to look at the sparrows, and gives us the grace to trust Him one day at a time. If financial fear and anxiety are weighing on your heart, we'd love to help you explore these truths more deeply through our 21-day devotional, Look at the Sparrows. You can order your copy at FaithFi.com/Shop. And if you'd like to go through it with your church or small group, bulk orders and bulk discounts are available there as well. On Today's Program, Rob Answers Listener Questions: I haven't filed my tax returns for a few years, and I want to make things right. I've heard about the IRS “Fresh Start” program. Should I work with a tax relief company, hire a CPA, or contact the IRS directly through my local office? My husband and I are in our mid-60s, and our business is winding down. We have roughly $900,000 to $1 million in real estate, including our home, business building, and another property, plus about $700,000 in stocks and bonds with an advisor. Is real estate considered aggressive or conservative in our overall portfolio? And at our age, how should our investments be allocated? I'm 64 and want to set up a trust to help my assets avoid probate. Should I place only titled assets, like my home, in the trust, or should investment accounts be included too? Could retitling investment accounts into a trust trigger taxes? I also owe about $115,000 on my home. One of my children would like to live there with his kids, and I'd like my grandchildren to have a home if something happens to me. Should the trust pay off the mortgage from my assets, or should I consider life insurance or mortgage protection to cover it? 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.

Today Pastor Jeff shares that God created each of us as His masterpiece with unique talents and a special purpose that fits perfectly into His plan. Ephesians 2:10 For we are God's handiwork, created in Christ Jesus to do good works, which God prepared in advance for us to do.

The world constantly tells us we need just a little bit more. A better home. A newer car. A bigger savings account. A longer vacation. But what if real contentment isn't found in having more but in learning to need less? That's the heart of today's conversation with Jeff Manion, Teaching Pastor of Ada Bible Church in Grand Rapids, Michigan, and author of the article “Discovering the Power of Contentment” in the latest issue of Faithful Steward magazine.  Jeff reminds us that contentment is not something we stumble into once life finally settles down. It is something we learn—often through both scarcity and sufficiency. Why Wealth Can Be Confusing Jeff begins with an honest admission: “Wealth confuses me.” That may sound surprising coming from someone who has spent decades in ministry, but his point is deeply relatable. Early in his ministry, Jeff and his wife, Chris, lived simply out of necessity. They served a small church of about 25 people, and for years, resources were limited. They learned to depend on God in a season when there was barely enough. But decades later, after faithfully avoiding debt, building an emergency fund, and practicing wise stewardship, Jeff realized the struggle for contentment had not disappeared. It had simply changed. That is an important lesson for all of us. We may assume contentment will come once the bills are paid, the debt is gone, the savings account is stronger, or the house is finally updated. But contentment is not automatic in seasons of sufficiency. In fact, prosperity can bring its own spiritual dangers. The Desert Classroom Jeff points to Deuteronomy 8, where Moses speaks to Israel before they enter the Promised Land. For 40 years, God had provided manna in the wilderness. Day by day, He kept His people alive in a barren place. But as they prepared to enter a land “flowing with milk and honey,” Moses gave them a warning: do not forget the Lord. That warning matters because abundance can create spiritual amnesia. Once the Israelites moved from manna in the desert to houses, vineyards, flocks, and herds, they would be tempted to say, “My power and the might of my hand have gotten me this wealth” (Deuteronomy 8:17). The danger was not that prosperity itself was evil. The danger was forgetting the Source. That same temptation faces us today. When finances stabilize, debts are paid off, and retirement savings begin to grow, we can quietly begin to believe that our wisdom, effort, and discipline produced everything we have. But Scripture reminds us that even our ability to produce wealth is a gift from God. Contentment begins with remembering: everything we have comes from Him. The Freedom of Having Less Jeff also shared about a personal decluttering experiment. Over seven weeks, he gave away or got rid of five items a day—about 210 items in total. These were not grand acts of generosity. Many were simply things that had accumulated over time: old CDs, unused dishes, T-shirts from events and races, and items tucked away in drawers or boxes. The result surprised him. He felt lighter. In his words, he felt “richer for having less.” That experience reveals something important about our relationship with possessions. Stuff has a way of multiplying. Without even noticing, we surround ourselves with things we no longer use, need, or value. And sometimes, the more we own, the more weighed down we become. Decluttering is not just about organizing a closet. It can become a spiritual practice—one that helps us confront the quiet belief that more stuff equals a fuller life. Here and Now, Not There and Then One of the great enemies of contentment is what Jeff calls “there and then” thinking. We tell ourselves: “I'll be happy when we get out of this apartment.” “I'll be at peace when we can renovate the kitchen.” “I'll finally enjoy life when we take that vacation.” “I'll feel secure when we reach that financial goal.” But contentment teaches us to be fully alive to God and fully present with the people around us here and now—not only there and then. That does not mean goals are wrong. It is wise to plan, save, improve, and prepare. But no purchase, renovation, trip, or financial milestone can fix what is restless in the soul. The Apostle Paul wrote, “I have learned in whatever situation I am to be content” (Philippians 4:11). Those words were not written from comfort, but from confinement. Paul had learned contentment while living under hardship and limitation. That means contentment is not the reward for finally getting everything we want. It is the grace of being satisfied in God even when we do not. Comparison Steals Joy and Cripples Generosity Another major barrier to contentment is comparison. There will always be someone with a larger home, a better vacation, a newer vehicle, or a more impressive lifestyle. And in the age of social media, we are not merely comparing our reality to someone else's reality. We are comparing our reality to someone else's curated image. That kind of comparison shrivels the heart. It trains us to focus on what we lack rather than the blessings God has already given. It also damages generosity. Generosity flows from a sense of abundance—from recognizing that God has given us more than enough to share. But when comparison convinces us we never have enough, our hands begin to close. We become less joyful, less grateful, and less willing to give. Contentment helps break that cycle. It opens our eyes to God's provision and frees us to live generously. Generosity Reflects the Heart of God Paul gives this instruction in 1 Timothy 6:17–18: “As for the rich in this present age, charge them not to be haughty, nor to set their hopes on the uncertainty of riches, but on God… They are to do good, to be rich in good works, to be generous and ready to share.” That passage reminds us that wealth is not to become the foundation of our hope. God alone is our provider. And because He has been generous toward us, we are called to reflect His generosity toward others. Giving loosens money's grip on our hearts. It reminds us that our possessions are not ultimate. They are tools entrusted to us for worship, provision, and service. A legacy of contentment does not mean rejecting good gifts. It means receiving them rightly. It means enjoying what God provides without making those gifts the center of our lives. Contentment is learned in every season—whether resources are tight or abundant. It grows as we remember the Source of all we have, resist comparison, practice generosity, and become fully alive to God in the life He has given us today. The world will keep saying, “You need more.” But Scripture invites us into something better: godliness with contentment, which is great gain. On Today's Program, Rob Answers Listener Questions: I've heard the FaithFi promotion mentioned on the program, and online it says the money market account promotion is worth up to $400. I haven't been able to find the details on the website. Can you explain how the promotion works and how the $400 is structured? My wife and I sold our home and will net about $200,000. We're about six years from retirement and plan to move to St. George, Utah. We could lease a nice home for about $2,200 a month, buy a condo with cash and pay about $300 a month in HOA fees, or buy a comparable house for about $150,000 more than we have available and finance the difference, with about $200 monthly in HOA fees. Our goal is to stay as close to debt-free as possible. Would it be wiser to pay cash for the condo, lease for now, or finance the more expensive house? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Discovering the Power of Contentment by Jeff Manion (Article in Faithful Steward, Issue 6) An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen 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 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.

Have you ever felt guilty for taking care of yourself?What if your skincare routine could become an act of soul care?In this second episode of the Summer Soul Glow Up series, Bonnie shares how preparing for ankle surgery led her to discover the surprising science of protein and healthy skin—and what Queen Esther teaches about God's heart for caring for ourselves.If you've been putting yourself last or wondering if self-care is selfish, this episode will encourage you to receive God's invitation to care for yourself with joy, gratitude, and freedom.Key Takeaways— Why caring for your outer self can become soul care— The science of protein, healing, and healthy skin— What Queen Esther teaches about beauty and your God-given worth— Why healing begins when you know your priority— A simple self-care practice to nourish your body and soulBreath PrayerInhale: You are altogether beautiful...Exhale: There is no flaw in you.Scripture"You are altogether beautiful, my darling; there is no flaw in you." — Song of Songs 4:7 → Join Bonnie on Instagram @thebonniegray → 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.

This week Pastor Jeff begins the letter U in our "How to Have the Best SUMMER Ever!" series by sharing how God has given each of us unique talents to use together for His glory. Romans 12:6 We have different gifts, according to the grace given to each of us.

It's hard to believe, but the back-to-school season is almost here. For many families, that means new schedules, new supplies, new clothes, and plenty of new expenses. But the start of a school year doesn't have to bring financial stress or household chaos. With a little planning, wise budgeting, and prayerful preparation, families can begin the year with greater peace and purpose. Crystal Paine, Creator of MoneySavingMom.com and the author of The Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most. As families prepare for another school year, she offers practical advice for saving money, involving your children, creating better routines, and staying spiritually grounded amid the busyness. Start With the Essentials Back-to-school shopping can get expensive quickly. Between clothes, shoes, backpacks, lunch boxes, crayons, uniforms, and technology, it's easy to feel like everything needs to be purchased at once. There will always be more you could buy, but the better question is, “What do we actually need?” Before heading to the store or filling an online cart, take inventory of what you already have. Then compare that with the school supply list and your family's budget. For families with older children, this can also become a valuable teaching opportunity. Crystal recommends involving teens in the process by giving them a specific back-to-school budget for clothing or supplies. Then they are responsible for deciding what they need, what they want, and how to stay within that amount. Sometimes, they may decide to use some of their own money to buy an extra item. That can be a good thing. It helps them learn that money is limited, that choices have trade-offs, and that budgeting requires wisdom. Look for Package Deals and School Supply Discounts Another way to save time and money is to find out whether your school offers a pre-packaged supply option. Some schools or parent organizations offer supply kits that include everything your child needs for the year. While it may not always be the least expensive option, it's worth comparing. In some cases, buying the package can save money and certainly save time. Instead of driving from store to store searching for specific folders, notebooks, and pencils, you can purchase one package and be done. Crystal also recommends watching for back-to-school deals on supplies, clothing, uniforms, backpacks, lunch boxes, and even laptops. Her site, MoneySavingMom.com, regularly shares deals that can help families stretch their dollars further. Make the Most of Tax-Free Weekends Many states offer tax-free weekends before the school year begins. These can be a helpful way to save on items you were already planning to buy. The key is to prepare before the weekend arrives. Start by checking whether your state offers a tax-free weekend, when it takes place, and which items are included. Every state has different rules. Some include clothing and school supplies, while others may include electronics, computers, or even certain household items. Once you know what qualifies, review your budget. Then decide which purchases make sense for your family. Tax-free weekends can be useful, but they are only a good deal if you are buying things you actually need. The goal is not to spend more simply because something is tax-free. The goal is to steward your resources wisely by saving on planned purchases. Teach Children Financial Wisdom Early Back-to-school shopping can also be a training ground for children. Should you take your kids shopping with you? Crystal says it depends. If your children are still learning self-control and are likely to ask for everything they see, it may be better to shop without them. But that doesn't mean you should avoid the lesson altogether. Instead, begin teaching them in smaller, more manageable ways. Crystal and her family started when their children were very young. Around ages three or four, they gave their kids opportunities to earn money by doing extra chores. Then the children could take that money to the store and choose what they wanted to buy. That simple practice helped them begin learning the value of money. They saw that the money ran out. They learned that choosing one thing often means saying no to something else. And they began to understand that spending decisions matter. Those lessons may seem small, but they can form a foundation for wisdom later in life. Teaching children how to handle a few dollars faithfully can help prepare them to handle larger financial decisions with maturity. Build School-Year Routines Before School Starts One of the biggest mistakes families make is waiting until the night before school begins to establish a new routine. That can lead to stress, rushed mornings, tired kids, and frustrated parents. Crystal recommends beginning a few weeks early. Talk through what the school-year routine will look like. Think realistically about each person in your home. What time does everyone need to wake up? What time do you need to leave? What needs to happen before breakfast? Who needs help getting ready? Then start practicing. Begin waking up closer to the school-year schedule. Practice getting out the door by the time you'll need to leave. Ease your family back into the rhythm before the first day arrives. That transition can make the first week of school much smoother. Prepare the Night Before Anything you can do the night before will help reduce stress the next day. Lay out clothes. Pack lunches. Make sure backpacks are ready. Plan breakfast. Sign forms. Place shoes, jackets, and bags where they need to be. These simple habits can give your family a head start and help mornings feel less frantic. Preparation is not about controlling every detail. It's about creating room for peace, patience, and faithfulness in the ordinary moments of family life. Stay Spiritually Grounded Before the rush begins, remember that God has everything you need for everything He has called you to do. You do not have to carry every worry in your own strength. You can bring your anxieties, responsibilities, and decisions before Him. Back-to-school season can feel busy, but it can also become a fresh opportunity to trust the Lord, serve your family, and steward your resources well. A wise start to the school year is not only about spending less or getting organized. It's about remembering who provides, who sustains, and who gives us wisdom for each day. For more money-saving tips and practical ideas for your family, visit MoneySavingMom.com. On Today's Program, Rob Answers Listener Questions: I own several paid-off rental homes in Arkansas that provide good income, but my children live in San Diego and don't plan to move here. I'm concerned that after I'm gone, the properties could be sold quickly for less than they're worth. I'd like their value to benefit my grandchildren for college, starting a business, or buying a home. Should I sell the homes now and place the proceeds in a trust, or is there a better way to plan? I'm 47 and recently started my career after years as a stay-at-home mom. I have no retirement savings, and my employer offers a 403(b) with both pre-tax and Roth options, plus a 3% match after one year. Since we're still working to get out of debt, should I start contributing now or wait for the match? And how much should I contribute? My income is under $1,000 a month, and I'm living paycheck to paycheck. How can I practically build giving, saving, and spending into a budget when money is this tight? And how do I include a small amount for personal enjoyment without derailing the plan? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) MoneySavingMom.com  Six Great Money Dates by Dr. Shane Enete (Article in Faithful Steward, Issue 3) 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 is FRI-YAY! Today Pastor Jeff shares that God blesses generous hearts, teaching us that giving to others brings the lasting rewards of joy, peace, and a life that honors Him. Proverbs 11:25 "Whoever brings blessing will be enriched, and one who waters will himself be watered."

Corrie ten Boom once said, “If you look at the world, you'll be distressed. If you look within, you'll be depressed. But if you look at Christ, you'll be at rest.” That truth speaks directly to the way many people feel about money. When money becomes the place we look for peace, security, or identity, financial unrest is never far behind. And while it may seem like more money would solve that unrest, Scripture points us to something deeper. Elizabeth Brickman, a Certified Kingdom Advisor® (CKA®), longtime financial advisor, and author of Wealth Blessed and Wealth Confident, has spent more than 25 years helping people think biblically about money.  Through her own financial challenges and her work with clients, she has seen that true peace does not begin with a larger bank account. It begins when we stop asking money to carry what only God can. Why Financial Life Feels So Restless Many people feel financially restless because life itself rarely slows down. News, markets, social media, and cultural pressure are constantly telling us that more is better, faster is necessary, and comparison is unavoidable. That message is very different from the wisdom of Scripture. The world encourages us to chase more. God calls us to trust Him. The world tells us to measure our worth by what we own. God reminds us that our identity is found in Christ. The world keeps us anxious about what might happen next. God invites us to seek first His Kingdom. That doesn't mean financial concerns are imaginary. Bills, debt, rising costs, and future needs are real. But unrest grows when those concerns become bigger in our hearts than the Lord's faithfulness. Elizabeth notes that this struggle is not limited to one income level. Financial unrest can affect both believers and unbelievers, the poor and the rich. That is because unrest is not ultimately about how much money we have. It is about the mindset and heart posture we bring to money. When You Feel Overwhelmed One common source of financial unrest is feeling overwhelmed. When bills pile up, debt grows, or expenses feel unclear, it can be tempting to avoid the numbers altogether. Some people stop opening the mail. Others avoid checking their accounts. But avoidance usually increases anxiety rather than relieving it. Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” In an ancient agricultural context, that meant understanding the condition of one's livelihood. Today, the principle still applies. Wise stewardship requires clarity. That first step can be uncomfortable. Looking honestly at income, expenses, debt, savings, and giving may feel painful at first. But clarity allows us to move from vague fear to faithful action. Once the numbers are known, a plan can begin. We can ask questions like: What do we owe? What do we need to prioritize? Where can we reduce spending? What habits need to change? How can we continue honoring the Lord with what He has entrusted to us? God is not a God of disorder, but of peace. Facing financial reality is not an act of fear. It can be an act of faith, trusting that the Lord meets us in the truth and gives wisdom for the next step. Building Restful Financial Rhythms Financial peace is often strengthened through simple, faithful rhythms. Elizabeth emphasizes the value of habits because habits reduce the weight of constant decision-making. When giving, saving, spending, and debt repayment are built into regular patterns, we do not have to start from scratch every time money comes in. A budget is not merely a restriction. It is a tool for aligning financial decisions with God-given priorities. When we establish rhythms around generosity, saving, and wise spending, we are better prepared to resist impulse, fear, and comparison. These habits do not replace trust in God. They help us practice it. When You Feel Overlooked by God Another source of financial unrest is feeling overlooked by God. This can happen when others seem to be getting ahead while we feel stuck. It can happen when our hard work does not produce the results we hoped for. It can happen when prayers seem unanswered or when financial progress feels painfully slow. In those moments, we need to remember what Scripture teaches about growth, provision, and timing. God's wisdom often works “little by little.” Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” That principle stands against get-rich-quick thinking, gambling, and reckless financial shortcuts. The Lord's way is often patient, steady, and formative. He teaches us to work, give, save, wait, and trust. Financial delay may feel frustrating, but it can also become a place of discipleship. Sometimes the Lord uses seasons of limitation to prepare us for greater faithfulness later. Being overlooked by the world is not the same as being forgotten by God. He sees His children. He knows their needs. And His timing is never careless. When You Feel Overextended A third source of financial unrest is feeling overextended, especially through debt. Debt can weigh heavily on the heart. It limits flexibility, creates pressure, and can make people feel trapped. Elizabeth speaks with compassion here because she has experienced that burden herself. After being caught in a devastating financial situation involving a trusted person who disappeared with borrowed money, she became morally obligated to repay a debt equal to about $200,000 in today's dollars. That season required daily trust, humility, and perseverance. But by God's grace, she paid the debt in full. For those who feel buried by debt, the way forward usually begins with humility and a plan. That may mean living more simply for a season, seeking wise counsel, cutting expenses, increasing income, or pursuing a structured debt-repayment strategy. Debt may be painful, but it does not have to define the rest of your story. God gives wisdom. He gives endurance. And He often uses the process of getting out of debt to reshape our desires, priorities, and dependence on Him. True Peace Begins With Christ Financial unrest often grows when we look to money for what only Christ can give. Money can pay bills, reduce certain pressures, and provide practical options. But it cannot give lasting peace. It cannot secure our identity. It cannot satisfy the soul. It cannot carry the weight of our ultimate hope. That is why biblical financial wisdom begins with worship. Before we ask, “How much do I have?” we need to ask, “Who am I trusting?” When we look at the world, there will always be reasons for distress. When we look only within, we may find fear, worry, or discouragement. But when we look to Christ, we are reminded that our lives are held by the One who is faithful. Financial peace is not found in pretending problems do not exist. It is found in bringing those problems honestly before the Lord and taking the next wise step with Him. So if you feel overwhelmed, seek clarity. If you feel overlooked, remember God's timing. If you feel overextended, humble yourself and begin taking faithful steps toward freedom. More money alone will not solve financial unrest. But Christ can reorder our hearts, renew our minds, and teach us to handle money with wisdom, contentment, and trust. On Today's Program, Rob Answers Listener Questions: I bought a home computer from a rent-to-own company right before COVID, but when work slowed down, I couldn't keep up with the payments. I tried to return it, but they said it would still count as a repossession and told me to keep it. Now the company has gone bankrupt, and a collection agency is offering a discounted payoff I can't afford yet. What legal action could they take if I miss the deadline, and could I go to jail over this? I'm 64 and turning 65 in November. I'm a retired educator with a strong pension and widow's benefit, and I may eventually switch to my own Social Security. I'm receiving lots of Medicare mail and dinner invitations from insurance companies. Where can I get reliable guidance, and how should I decide between Medicare Advantage and a Medigap plan? 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.

Today Pastor Jeff shares how the way we treat others reveals who we serve, reminding us that every act of kindness is an opportunity to serve God. Joshua 24:15 But if you refuse to serve the Lord, then choose today whom you will serve. Would you prefer the gods your ancestors served beyond the Euphrates? Or will it be the gods of the Amorites in whose land you now live? But as for me and my family, we will serve the Lord."

Inflation has cooled from its recent highs, but for many households, the financial strain has not disappeared. Over the last several years, families have faced rising costs for groceries, insurance, housing, utilities, and other everyday needs. And for many, credit cards became the tool they used to make ends meet. Neile Simon, a Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, joins the show today to share how many families are now carrying the balances they built up during those difficult years. And with credit card interest rates often running between 22% and 30% APR, making real progress can feel almost impossible. That is where credit counseling can help. Why So Many Families Feel Stuck Many households are not dealing with credit card debt because of careless spending. In many cases, families were simply trying to stay afloat. When wages do not keep pace with rising expenses, even a well-intentioned budget can become difficult to maintain. Then, once balances accumulate, high interest makes repayment feel overwhelming. A family may make payments faithfully each month, only to see most of that money go toward interest rather than reducing the principal. For some, the pressure has increased further as student loan payments have resumed, placing added strain on budgets already stretched thin. The result is a cycle that can feel discouraging: payments continue, but the balance barely moves. The Good News: More People Are Seeking Help One encouraging trend is that financial literacy is growing. More people are becoming proactive in understanding their options, learning how debt works, and seeking responsible ways to repay what they owe. Online tools and educational resources can be helpful, especially when they explain the difference between debt management and riskier debt settlement programs. But every financial situation is unique. That is why it is wise to talk with a trained counselor who can review your specific circumstances and help you create a plan. Early action can make a significant difference. The sooner someone seeks guidance, the more options they may have. How Credit Counseling Can Help Credit counseling is designed to help people break the cycle of high-interest payments and begin making real progress. A reputable credit counseling agency can review your income, expenses, debts, and goals, then help you determine the best path forward. For many people, that may include a structured debt management plan. Through Christian Credit Counselors, for example, clients may be able to reduce credit card interest rates to between 1% and 12% APR, with rates fixed for the length of the program. That can make a major difference. Lower interest means more of each payment goes toward reducing the balance. In many cases, monthly payments may also be lowered, creating more breathing room in the budget. For those who have fallen behind, enrollment in a credit counseling program can also help stop late fees and collection calls. But most importantly, it allows clients to repay their debt responsibly and honor their commitments in full. A God-Honoring Approach to Debt At FaithFi, we appreciate credit counseling because it offers a practical and responsible way to address debt without pretending the debt does not matter. The goal is not to avoid responsibility, but to create a wise plan for repayment. That is one reason we value the work of Christian Credit Counselors. Their approach is not merely transactional. They care for the people they serve, build relationships with clients, pray with them, and seek to ease the stress and strain of credit card debt by offering solutions that honor God. Debt can feel overwhelming, but it does not have to be faced alone. With wise support, a clear plan, and faithful perseverance, progress is possible. To learn more, visit FaithFi.com/CCC. On Today's Program, Rob Answers Listener Questions: My father passed away less than a year ago and left money to his children. I've lived paycheck to paycheck most of my life, and while my wife wants to buy a house and a truck, I'd rather slow down, plan for the future, invest wisely, and think about leaving something for our kids. What's the best way to approach this? And is it worth meeting with a CKA, even if I'm not sure the amount is large enough? I have two children, ages six and eight, and I'm overwhelmed by about $25,000 in debt, including roughly $17,000 in credit cards and several loans. I've tried to rework my budget, but rising costs for gas, groceries, and school activities have made it feel impossible. I've looked into a debt management plan, but Christian Credit Counselors can only help with the credit cards, not the loans. Should I pursue debt management, consider bankruptcy, or take another step? My husband and I are buying our first home, but everything we're considering is near the top of our budget. With market uncertainty, is it wiser to buy now and secure a home for our future family, or wait and save for a larger down payment to lower the monthly cost? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors (CCC) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every 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.

Today Pastor Jeff shares how Jesus taught that true greatness in God's Kingdom comes from serving others, not from being first. Matthew 20:26-28 But among you it will be different. Whoever wants to be a leader among you must be your servant, and whoever wants to be first among you must become your slave. For even the Son of Man came not to be served but to serve others and to give his life as a ransom for many."

Welcome to Teachback Tuesday, where we replay the most popular episodes from previous seasons. This week's episode, "When We Don't Want to Forgive," is meant to help anyone struggling with the tough task of forgiveness. Sometimes we feel that people simply do not deserve to be forgiven. We are not the first ones to feel this way. Consider this passage from Matthew 18:21-22: "Then came Peter to him, and said, Lord, how oft shall my brother sin against me, and I forgive him? till seven times? Jesus saith unto him, I say not unto thee, Until seven times: but, Until seventy times seven." I love the realness of Peter. Obviously, someone had done him wrong enough times that Peter was starting to keep track! But we can't have it both ways. We can't expect forgiveness when we don't want to grant it. If you are withholding forgiveness from anyone, this episode provides four things that are side effects of failing to grant forgiveness, and how we can avoid the consequences of choosing the wrong course. 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

“The one who gets wisdom loves life; the one who cherishes understanding will soon prosper.” — Proverbs 19:8 Wisdom doesn't just shape what we believe. It shapes how we live—including how we handle money. That's why prudence has long been considered one of the cardinal virtues. It's not a word we use every day, but it speaks directly to the way Christians make decisions, set priorities, manage resources, and seek to honor God with what He has entrusted to us. In this new series on the financial virtues, Dr. Greg Forster, Affiliate Professor of Biblical and Systematic Theology at Trinity Evangelical Divinity School (TEDS) and Executive Director of the Christian Investing Council (CIC), joined the show today to discuss prudence and why faithful stewardship requires more than financial knowledge. What Is Virtue? Before we can understand prudence, we first need to understand virtue. Dr. Forster defines virtue as becoming a Christlike person. It is not merely doing the right thing outwardly. It is developing Christlike qualities in our character so that we obey God from the heart. Jesus often exposed the danger of outward obedience without inward transformation. He spoke of “whitewashed tombs” that looked clean on the outside but were full of death within. He also warned against cleaning the outside of the cup while leaving the inside filthy. Those images remind us that God cares not only about what we do, but also how and why we do it. That is especially important when it comes to money. Faithful stewardship is not a checklist. It is not simply giving a certain amount, following a set of financial rules, or making decisions that appear responsible on the surface. Stewardship is relational. It is part of our worship. It is one way we bring our whole selves before the Lord and say, “This belongs to You. How can I use it for Your purposes?” The Cardinal Virtues and the Christian Life The cardinal virtues—prudence, temperance, fortitude, and justice—come from a long tradition in Christian moral reflection. The word “cardinal” comes from the Latin word for the hinge of a door. These virtues are “hinge” virtues because they help guide and shape the others. Christian ethics has often distinguished between theological virtues, which are known through God's revelation in Scripture, and moral virtues, which are more broadly recognized because God has made His moral order known through creation and conscience. That matters for two reasons. First, it reminds us that all people are accountable to God. Even those who have never read the Bible still live in God's world and bear His image. Second, it gives us a foundation for shared life with neighbors who may not share our faith. There are moral truths people can recognize because God has woven them into the world He made. Among those moral virtues, prudence has often been seen as especially important because it helps us discern how to put wisdom into practice. What Is Prudence? Prudence is often described as wisdom in action. It is not simply about having good goals. It is knowing the right means to pursue those goals faithfully. As Dr. Forster explained, we often say, “The ends don't justify the means.” In other words, having a good goal does not give us permission to pursue it in careless, wasteful, or sinful ways. Prudence helps us ask, "What is the right course of action?" What is the wise path forward? How do we pursue good ends in a way that honors God? That makes prudence deeply practical. It moves us from abstract desire to concrete obedience. It is one thing to say, “I want to be more Christlike,” or “I want to be a faithful steward.” It is another thing to ask, “What decision should I make today? What habit needs to change? What plan will help me move toward faithfulness?” Prudence is where the rubber meets the road. Prudence in Scripture The book of Proverbs is one of the clearest places we see prudence in Scripture. Proverbs repeatedly teaches that God cares not only about the goals we pursue, but also the path we take to reach them. Wisdom is practical. It shows up in our words, our work, our planning, our relationships, and our use of money. Jesus also points us toward prudence when He tells His disciples to be “wise as serpents and innocent as doves.” Innocence matters, but so does wisdom. Christ calls His people to pursue holiness with careful thought, discernment, and faithfulness. Paul gives a similar charge in Ephesians 5:15–16: “Look carefully then how you walk, not as unwise but as wise, making the best use of the time.” That is a call to prudence. We are to pay attention to how we live, how we spend our days, and how we steward the opportunities God gives. Prudence draws us closer to Christ by moving us beyond surface-level obedience. It asks us to bring our motives, priorities, decisions, and plans under His lordship. Why Financial Rules Are Not Enough Financial rules can be helpful. Budgets, savings goals, debt repayment plans, and investment strategies all have their place. But rules alone cannot produce faithful stewardship. God is not merely after outward compliance. He desires fellowship with His people. Dr. Forster illustrated this by pointing to human relationships. We would never say in our families or friendships that motives do not matter as long as someone does the right thing. A parent does not merely want a child to obey externally while remaining distant, resentful, or unchanged inwardly. The same is true in our relationship with God. If we are only asking, “What is the minimum I have to do with my money to feel like I've done my duty?” we are missing the deeper invitation. God calls us to see all that we have as His and to ask how we can use it for His purposes. That kind of stewardship is not mechanical. It is worshipful. Wisdom in Action Prudence is wisdom in action. It is the virtue that helps us choose the right means to faithfully pursue God's ends. As Christians, we do not manage money merely to become more efficient, comfortable, or secure. We manage what God has entrusted to us because He is Lord over all of life. That means our financial decisions are never just financial. They are spiritual. They reveal what we value, what we trust, and what kind of people we are becoming. And by God's grace, prudence helps us become stewards who do not merely know what is right, but who increasingly learn to walk in wisdom. On Today's Program, Rob Answers Listener Questions: Last year, I sold gold nuggets on eBay for about $7,000 and received a 1099. When I filed my taxes, I paid tax on the full amount, even though eBay charged more than $1,000 in seller fees. Once I receive my refund, can my tax preparer file an amended return so those fees are deducted? Several years ago, my son and daughter-in-law borrowed about $6,500 from us to build a tiny house. They're now selling it at a loss and using the proceeds to repay us, with about a $3,000 net loss overall. Are there any sales tax or income tax consequences for them or for us, or is this simply a personal loss? I recently tried to pay in cash, but the business said they couldn't make change and would have to keep the difference, which pushed me to use a card. Then I had a conversation with someone interested in Bitcoin. As Christians, how should we think about digital money, Bitcoin, and the move away from cash? What's the wisest way to approach it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Mere Christianity by C.S. Lewis Christian Investing Council (CIC) 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.

Today Pastor Jeff shares how serving others means pouring out God's love through kindness, generosity, and compassion to help those in need. Isaiah 58:10 " if you pour yourself out for the hungry     and satisfy the desire of the afflicted, then shall your light rise in the darkness     and your gloom be as the noonday." 

Psalm 92:14 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green.” That's a beautiful picture of faithfulness across every season of life. And it gives us an important reminder: when it comes to retirement, Scripture invites us to think beyond escape. For many people, retirement is pictured as the finish line. Work hard, save diligently, invest wisely, and one day you'll finally arrive at a season of leisure—no alarm clocks, no deadlines, no demands. And after decades of work, rest is a good gift. There's nothing wrong with enjoying a slower pace, spending more time with family, traveling, or having more flexibility in your schedule. But Scripture gives us a deeper vision for our later years. Retirement may change the rhythm of our lives, but it does not end our calling as stewards. When Retirement Feels Disorienting Many people reach retirement and find themselves asking, “Now what?” Without the familiar structure of work, the transition can feel surprisingly difficult. For years, your calendar, responsibilities, relationships, and even your sense of purpose may have been shaped by your vocation. When that changes, it can feel like something has been lost. But in God's kingdom, no season is wasted. Retirement may bring changes in schedule, income, health, energy, and responsibility. But it also brings new opportunities to serve, invest in others, and bear fruit in ways that may not have been possible during busier working years. That's why the question is not simply “What am I retiring from?” The better question is, “What am I now free to do for the glory of God?” Moving From Labor to Legacy We see a helpful picture of this in Numbers 8. The Levites were instructed to begin their service in the tabernacle at age 25 and then transition at age 50. But they didn't stop serving altogether. They stepped back from certain forms of labor, but they continued to assist and minister to their brothers. In other words, they didn't retire from purpose. They moved from labor into legacy. That's a helpful way to think about our later years. As we age, certain types of work may no longer be possible. Energy changes. Capacity changes. Responsibilities change. But our purpose in God's kingdom does not expire. The same hands that once built, typed, managed, served, or led can now mentor, teach, encourage, pray, and support. The same heart that once poured itself into a career can now pour itself into people. Maybe that means volunteering with a ministry that reflects your passions. Maybe it means mentoring young professionals or young parents. Maybe it means serving more faithfully in your church, caring for aging parents, helping with grandchildren, or simply being more available to encourage others. Whatever the expression, the heart of stewardship remains the same: offering your time, wisdom, experience, and resources for the glory of God. Faithful Presence Matters Think of Simeon and Anna in Luke 2. Both were advanced in years, and yet both were living with expectancy and devotion. Simeon was righteous and devout, waiting for the consolation of Israel. Anna worshiped with fasting and prayer, night and day. Their lives remind us that faithful presence is a powerful gift. God does not retire His servants. He repurposes them. That does not mean retirement has to be frantic or overfilled. This is not about proving your value through constant activity. In God's economy, usefulness is not measured by productivity, but by faithfulness. That's a word many of us need to hear. Our culture often measures significance by title, output, income, and visible achievement. But God sees differently. He sees the quiet prayer, the faithful encouragement, the wisdom shared across the table, the hospitality, the generosity, and the steady presence in the life of a child, a neighbor, a church member, or a younger believer. Those things may not always make headlines, but they matter deeply in the kingdom of God. Stewarding the Freedom Retirement Brings If you're approaching retirement, one of the wisest questions you can ask is not merely “What am I done with?” but “What am I now free to do?” And if you're already retired, perhaps today is an opportunity to revisit that question. What experience has God entrusted to you? What wisdom has He formed in you? What time do you have now that you didn't have before? What relationships could be strengthened? What people could be encouraged? What ministry could be supported? Those are not leftovers. They are stewardship opportunities. Retirement may look different from your working years, but it is no less important. In fact, it may become one of the most spiritually rich chapters of your life if you choose to steward it well. So don't simply retire from something. Retire to something. Retire to deeper fellowship with Christ. Retire to greater availability for others. Retire to prayer, encouragement, generosity, service, and wisdom. Retire to a life that continues to bear fruit. Our Ultimate Treasure Our devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship, is designed to help you slow down, open God's Word, and consider what it means to treasure Christ above all else in every season of life. You can place your order today at FaithFi.com/Shop. And if you'd like to go through it with your church or small group, we offer bulk discounts. On Today's Program, Rob Answers Listener Questions: I'm retiring from my government job on July 31 and have money in the TSP. Should I leave it there, roll it into a traditional IRA, or consider a Roth IRA? I'd also like to take some cash out for home repairs. What's the wisest way to handle this? A few months ago, the company managing my retirement fund had a data breach, so I signed up for two years of free monitoring through Kroll. Now my bank has notified me of another breach and is offering 12 months of free monitoring through CyEx. Is CyEx reputable, and is it okay to have two different monitoring services at the same time? I lost my job yesterday after nearly 10 years. I'm 70 and already receiving Social Security, while my wife is 64 and not yet eligible for Medicare. I have a 401(k) and stock share accounts from my former employer, along with a rollover IRA I opened years ago. Given our income and health insurance situation, should I roll those accounts into my existing IRA? I own some individual stocks that are essentially worthless. I placed a sell order at about half a cent, but no one is buying. What should I do with these shares, and how can I properly document the loss for tax purposes? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Healthcare Ministries (CHM) Healthcare.gov AnnualCreditReport.com | Credit Karma 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.

Today Pastor Jeff kicks off our brand-new 6-week "How to Have the Best SUMMER Ever!" series by sharing how serving others like Jesus is the first step to having an amazing summer with God. Mark 10:45  "For even the Son of Man did not come to be served, but to serve, and to give his life as a ransom for many."  

As our nation celebrates Independence Day and marks the 250th anniversary of our founding, it's worth pausing to thank God for the freedoms we enjoy. We have the freedom to worship, work, give, speak, serve, and live with opportunities many people around the world do not have. Those are gifts worth receiving with gratitude. But Scripture points us to a freedom even deeper than national liberty. For the Christian, freedom is not simply the ability to do whatever we want. It is not the removal of all restraint, and it is certainly not permission to live for ourselves. Biblical freedom is the freedom Christ gives us from the power of sin so that we can love God and serve others. Jesus says in John 8:36, “So if the Son sets you free, you will be free indeed.” That is the deepest freedom any person can know: freedom from condemnation, freedom from slavery to sin, and freedom from the false masters that promise life but cannot give it. Freedom Is Something We Steward The apostle Paul writes in Galatians 5:1, “For freedom Christ has set us free; stand firm therefore, and do not submit again to a yoke of slavery.” But later in that same chapter, Paul helps us understand what Christian freedom is for. Galatians 5:13 says, “For you were called to freedom, brothers. Only do not use your freedom as an opportunity for the flesh, but through love serve one another.” That is important. Freedom is not merely something we possess. It is something we steward. Peter says it this way in 1 Peter 2:16: “Live as people who are free, not using your freedom as a cover-up for evil, but living as servants of God.” Christian freedom is not the freedom to be ruled by worldly desires. It is the freedom to no longer be ruled by them. It is the freedom to say no to sin, no to selfishness, no to the world's definition of the good life, and yes to God. And that has everything to do with the way we handle money. True Financial Freedom True financial freedom is not measured by what we have, but by what no longer has a hold on us. We may say we are free, but fear can still control our decisions. Comparison can still shape our spending. Comfort can still become our highest goal. Accumulation can still feel like our source of security. The desire for control can still keep our hands closed, even as God invites us to trust Him. That is why Jesus says in Matthew 6:24, “No one can serve two masters… You cannot serve God and money.” Money is a good tool, but a terrible master. It can be received with gratitude, managed with wisdom, and used for love of neighbor. But when it becomes our master, it distorts everything and leaves us empty. As evangelist Billy Sunday once said, “The fellow that has no money is poor. The fellow who has nothing but money is poorer still.” Free from the Love of Money Hebrews 13:5 gives us a beautiful picture of financial freedom: “Keep your life free from love of money, and be content with what you have.” Why can we live that way? Because the verse continues, “for he has said, ‘I will never leave you nor forsake you.'” Contentment is possible because God is present. Generosity is possible because God provides. Wisdom is possible because God owns it all. And open-handed living is possible because Christ has set us free. That does not mean financial stewardship is always easy. Many people are carrying real burdens—debt, rising expenses, medical bills, job uncertainty, or the pressure of providing for a family. But even in those places, Christ invites us into a deeper freedom: not freedom from every difficulty, but freedom from fear as our master. We belong to the One who will never leave us or forsake us. Living with Open Hands So this Fourth of July weekend, let's thank God for the freedoms we enjoy. But let's also ask Him for a deeper freedom: the freedom to no longer be ruled by fear, greed, comparison, or control. In Christ, we are free to love God. Free to serve our neighbor. Free to use money as a tool for His purposes. Free to live with open hands because our treasure is secure in Him. That is the heart of everything we do here at FaithFi. We exist to help Christians see God as their ultimate treasure so they can manage God's money God's way. If this message has encouraged you, we invite you to become a FaithFi Partner. When you give $35 a month or $400 a year, your support helps share biblical wisdom with millions of people through this radio broadcast, podcast, website, app, magazine, and studies.  You can become a partner today at FaithFi.com/Give. On Today's Program, Rob Answers Listener Questions: My wife and I are nearing retirement and planning a home addition. We have about $140,000 set aside and no debt, but we also have a HELOC available. Should we use the HELOC for the project, or would it be better to borrow against my 401(k)? We're considering moving from Indiana to Illinois. My current home is worth about $235,000, and I owe about $70,000. We found a home in a high-demand area that may sell quickly, but our house isn't on the market yet. How can we move forward without taking on too much financial risk? My mother-in-law passed away and left an estate that includes a house and retirement investments. There are several siblings, and the bank wants each sibling's information so it can issue checks directly to us. I thought the executor was responsible for distributing assets. Why would the bank pay each sibling directly instead? 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 is FRI-YAY! Today, Pastor Jeff wraps up our Faith Question by sharing the amazing truth of the gospel and reminding us that everyone who trusts in Jesus can be forgiven and receive eternal life 1 John 5:11-12  11 And this is the testimony: God has given us eternal life, and this life is in his Son. 12 The one who has the Son has life. The one who does not have the Son of God does not have life.

In The Screwtape Letters, C.S. Lewis wrote, “Prosperity knits a man to the world. He feels that he is finding his place in it, while really it is finding its place in him.” That is a sobering warning. Prosperity can be a blessing from God, but it becomes dangerous when it begins to shape our identity. Wealth itself is not the problem. The danger comes when our possessions begin to speak for us—when they become a way of saying, Look how successful I am. Look how secure I am. Look how important I've become. That temptation is not new. We see it clearly in the life of King Hezekiah. Hezekiah's Moment of Testing Hezekiah was one of Judah's better kings. Scripture tells us he trusted in the Lord, removed idols, and led the people back toward faithful worship. When Jerusalem was threatened by Assyria, Hezekiah prayed, and God miraculously delivered the city. Around that same time, Hezekiah became gravely ill. Once again, God showed him mercy and extended his life by fifteen years. So Hezekiah had much to testify about. He had seen God's deliverance. He had received God's mercy. He had literally been spared from death. But then came a test. 2 Kings 20 tells us that envoys arrived from Babylon after hearing about Hezekiah's illness. They brought letters and a gift, and Hezekiah welcomed them. Verse 13 says, “And Hezekiah welcomed them, and he showed them all his treasure house, the silver, the gold, the spices, the precious oil, his armory, all that was found in his storehouses. There was nothing in his house or in all his realm that Hezekiah did not show them.” There was nothing he did not show them. Hezekiah had a golden opportunity to point these visitors to the God who had healed and delivered him. Instead, he opened his vault. When Wealth Becomes Our Testimony Hezekiah's failure was not that he had treasure. His failure was that he magnified what he owned rather than the God who gave it. His wealth became his testimony. Later, the prophet Isaiah came to Hezekiah and asked a piercing question: “What have they seen in your house?” Hezekiah answered, “They have seen all that is in my house; there is nothing in my storehouses that I did not show them.” Isaiah's response was sobering. The very wealth Hezekiah had displayed would one day be carried off to Babylon. It is a powerful warning for us. Hezekiah treated God's provision as a monument to his own success. He forgot that everything in his storehouses had first been entrusted to him by the Lord. Wealth becomes spiritually dangerous the moment we look at what we have and say, “Look what I built,” instead of, “Look what God has done.” The Better Boast Jeremiah 9:23 says, “Let not the wise man boast in his wisdom, let not the mighty man boast in his might, let not the rich man boast in his riches.” That verse names three things people have always been tempted to trust: intelligence, influence, and wealth. We are drawn to whatever makes us feel strong, secure, or significant. But the next verse gives us a better boast: “But let him who boasts boast in this, that he understands and knows me.” That is the only boast that lasts. Not what we own. Not what we earn. Not what we build. Not what others think of us. Our true boast is that we know the Lord—the God of steadfast love, justice, and righteousness. Is Wealth Creeping Into Your Identity? So what does Hezekiah's story mean for us as modern-day stewards? First, we should ask whether wealth has begun creeping into our identity.  There is nothing wrong with enjoying God's provision. Scripture teaches us to receive His gifts with gratitude. But provision should lead us toward worship, humility, and generosity—not self-importance. When we begin to believe that our possessions prove our worth, success, or security, we are no longer simply using wealth. We are allowing it to define us. That is a dangerous place for the heart. What Are Your Possessions Pointing To? Second, we should ask what our possessions are pointing to. A home, a car, a vacation, a wardrobe, or a lifestyle can easily become a subtle way of saying, “Look at me.” We may not say it out loud, but our hearts can still use possessions to seek approval, admiration, or status. Faithful stewardship flips the script. Instead of saying, “Look what I have,” it says, “Everything I have has been entrusted to me by God.” That shift changes how we hold our possessions. We can enjoy them without worshiping them. We can use them without needing them to prove something about us. We can share them because they were never truly ours to begin with. Practice Hidden Faithfulness Third, we should practice hidden faithfulness. In Matthew 6, Jesus warns against doing righteous things in order to be praised by others. Whether giving, praying, or fasting, He calls His people away from performance and toward sincerity before the Father. That principle applies to stewardship, too. Faithfulness is not about being seen as generous, successful, disciplined, or impressive. It is about honoring God with what He has entrusted to us. Sometimes the healthiest stewardship happens quietly: a gift no one knows about, a sacrifice no one applauds, a wise decision no one sees, or a generous act that never becomes a story we tell about ourselves. Hidden faithfulness helps loosen the grip of pride. What Do You Have That You Did Not Receive? The apostle Paul brings all of this into perspective in 1 Corinthians 4:7 when he asks, “What do you have that you did not receive?” That question is a safeguard for the soul. Your income, abilities, opportunities, possessions, influence, and resources are all gifts. Yes, we work. Yes, we plan. Yes, we make decisions. But underneath every good thing we have is the kindness and provision of God. Wealth is a tool, not a trophy. It is a gift, but it is not our glory. So if we are going to boast, may we boast in the One who gave it all to us. On Today's Program, Rob Answers Listener Questions: My mom is 80, and since my dad passed away, she's mostly just signed whatever her longtime financial advisor puts in front of her. I've seen some red flags, including last-minute estate changes involving my brother and me and long-term care insurance she may not need. What warning signs should I watch for, and how can I help protect her while still respecting her wishes? We have a HELOC that matures about two years after our mortgage is paid off. The bank told us we should always keep a HELOC open because it can help protect against someone fraudulently borrowing against our home. Is that true, or is the bank just encouraging us to keep a product we don't need? I'm trying to understand how a trust works. If I buy a $1 million life insurance policy and put it in a trust, can I borrow from or withdraw money from that trust? How does that work, and how would I set one up? I'm 50 and getting a late start on retirement. I'm contributing enough to get my company's 6% match, have a small Roth from a previous job, and about $5,000–$6,000 in emergency savings. I have about $200 extra each month. Should I keep building my emergency fund, invest more for retirement, or do something else? 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.

Today, Pastor Jeff reminds us that our greatest hope is in Jesus, who conquered death, lives forever, and promises to return and make all things right. Revelations 1:17-18  When I saw him, I fell at his feet like a dead man. He laid his right hand on me and said, "Don't be afraid. I am the First and the Last, and the Living One. I was dead, but look—I am alive forever and ever

Debt always costs more than the interest rate. It can affect your budget, your marriage, your margin, and even your ability to respond freely when God leads. That doesn't mean borrowing is always wrong. But it does mean Christians should approach debt carefully, prayerfully, and with wisdom. Ron Blue, a pioneer in biblically wise financial planning and co-founder of Kingdom Advisors, joined the show today to discuss principles from his article, “Five Rules for Borrowing,” featured in the latest issue of our Faithful Steward magazine. Here are several key questions to ask before taking on debt. Will This Debt Produce More Value Than It Costs? Ron's first rule is that borrowing always mortgages the future. When you borrow money today, you commit future income to yesterday's decision. That's why it's important to consider whether the economic return is greater than the economic cost. In some cases, borrowing may help you purchase something that can grow in value or produce long-term benefits, such as a home or a business. But that is very different from borrowing for things that immediately decline in value. Credit cards and auto loans are common examples. While using a credit card for convenience and paying it off every month can be reasonable, carrying credit card debt to fund consumption is a dangerous pattern. As Ron put it, borrowing to build wealth is one thing. Borrowing for something that steadily loses value is another. That road can quickly lead to bondage. Am I Presuming Upon the Future? The second rule is simple but often overlooked: never presume upon the future. When you borrow, you are making an assumption about tomorrow. You assume your income will continue. You assume your health will remain stable. You assume your circumstances will allow you to repay what you owe. But life does not always unfold the way we expect. Jobs change. Markets shift. Health challenges come. Unexpected expenses arise. That's why every borrowing decision needs a clear repayment plan. Before taking on debt, ask, “How will I pay this back?” If the answer depends on overly optimistic assumptions, it may be wise to pause. Borrowing without a sure path to repayment can create unnecessary pressure and reduce financial flexibility. Are We in Full Agreement as Husband and Wife? Debt not only affects a balance sheet. It affects the whole household. That is why Ron's third rule is that spouses should be in full agreement before any borrowing takes place. Husbands and wives often think differently about money. They may have different experiences, fears, preferences, and priorities. One spouse may be more comfortable with risk, while the other feels the weight of debt more deeply. Those differences are not necessarily wrong. In fact, they can be a gift. Ron reminds couples that God does not give us a spouse to frustrate us, but to complete us. When spouses slow down, listen well, and work through disagreements, they often make wiser decisions together than either would make alone. But when borrowing decisions are made without unity, they can create resentment, tension, and a growing sore spot in the marriage. Before taking on debt, couples should ask: “Are we truly united in this decision?” Have I Given God an Opportunity to Provide? Ron's fourth principle may be the most surprising: never deny God an opportunity to provide. Before borrowing, it is worth asking: Have I prayed about this? Have I asked God for wisdom? Have I considered whether there may be another way to meet this need? Sometimes borrowing feels like the fastest solution. But speed is not always the same as wisdom. God may provide through delayed timing, a different opportunity, a generous gift, a creative solution, or simply a change in desire. He may also confirm that borrowing is the right path. But the key is not to leave Him out of the decision. Wise stewardship means bringing our needs before the Lord and giving Him room to lead. Borrow Carefully, Prayerfully, and Wisely Debt is not always sinful, but it is never neutral. It places a claim on future income and can shape a household's freedom, peace, and flexibility. Before you borrow, ask whether the debt makes economic sense, whether you are presuming upon tomorrow, whether you and your spouse are in agreement, and whether you have given God an opportunity to provide. For Ron Blue's full article, “Five Rules for Borrowing,” become a FaithFi Partner at FaithFi.com/Give. FaithFi Partners receive Faithful Steward magazine every quarter, along with other resources to help them integrate faith and financial decisions for the glory of God. On Today's Program, Rob Answers Listener Questions: I have a retirement account with a broker, and I've asked him about investing in line with biblical values. He asked me for about five screening filters. I thought of pro-life/anti-abortion, but what other filters would you suggest for faith-based investing? I have a two-part question about charitable giving. What tax-advantaged giving options are available—such as donor-advised funds—and at what ages can someone use each one? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Five Rules for Borrowing by Ron Blue (Article in Faithful Steward, Issue 6) National Christian Foundation (NCF) OneAscent | Timothy Plan | Eventide | Praxis | Guidestone 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.

Today, Pastor Jeff explains why Jesus' perfect life matters and how His complete obedience to God gives us the hope and salvation we could never earn on our own. Hebrews 10:10   By this will, we have been sanctified through the offering of the body of Jesus Christ once for all time. 

Welcome back to Build Your Bible Habit! No matter how many times you read or listen to a chapter of Proverbs, you will continue to notice things that you didn't catch before. This book is a bottomless treasure chest of wisdom, and we need endless wisdom to navigate the issues of life. Proverbs 30:32-33 is an example of verses that will help us to avoid creating new problems in our relationships with others: "If thou hast done foolishly in lifting up thyself, or if thou hast thought evil, lay thine hand upon thy mouth. Surely the churning of milk bringeth forth butter, and the wringing of the nose bringeth forth blood: so the forcing of wrath bringeth forth strife." 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  

1 Corinthians 4:2 says, “Moreover, it is required of stewards that they be found faithful.” Faithful stewardship does not happen by accident. The choices we make with money can either create unnecessary pressure or help us manage God's resources with wisdom, margin, and faithfulness. Here are six financial choices that can help us steward well what God has entrusted to us. 1. Spend With a Plan Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” For us, that means knowing what is coming in, what is going out, and whether our spending reflects our values. Without a plan, money tends to drift. A budget helps us practice faithfulness with what God has provided. A spending plan is not about restriction for its own sake. It is about clarity. It helps us make decisions with purpose instead of simply reacting to whatever feels urgent in the moment. 2. Choose the Right Car for Your Budget Most of us need reliable transportation. We need to get from point A to point B safely. But it is easy to confuse reliable transportation with a vehicle that strains the budget. According to Kelley Blue Book, the average new vehicle transaction price was more than $49,000. Experian reports that the average monthly payment for a new vehicle reached $770. And that is before insurance, fuel, maintenance, repairs, and depreciation. At FaithFi, we generally prefer being free and clear of car debt when possible. That may mean buying used, driving a car longer, or choosing function over status. The point is not to impress others with what we drive. The goal is to get where we need to go safely and wisely. 3. Count the Cost Before Taking on Debt Proverbs 22:7 says, “The borrower is the slave of the lender.” That does not mean all borrowing is sinful. But borrowing should never be treated casually. If we go into debt, we should make sure the economic benefit outweighs the cost. The question is not simply, “Can I afford the payment?” A better question is, “Will this strengthen my financial position, or will it create more pressure later?” Debt often makes today feel easier while making tomorrow more difficult. Wise stewardship requires us to look beyond the monthly payment and consider the long-term cost. 4. Prepare for the Unexpected Cars break down. Medical bills come. Jobs change. Homes need repairs. Proverbs 21:20 says, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” Saving is not hoarding when it is done with humility and wisdom. An emergency fund can help us avoid high-interest debt and make decisions prayerfully rather than desperately. Preparedness does not mean we are trusting in money instead of God. It means we are stewarding what He has provided so we can respond wisely when needs arise. 5. Choose Housing That Leaves Margin Homeownership can be a worthy goal, but owning a home is not the definition of financial faithfulness. Renting is not a waste when it provides affordable shelter and flexibility. The danger comes when we feel pressured to buy simply to say we have “made it.” If the payment is too large, we may become house poor—owning a home but lacking margin for giving, saving, repairs, utilities, food, transportation, and other necessities. We typically recommend keeping housing costs at 25-30% of take-home pay. We also generally recommend a 20% down payment when possible. But the goal is not simply to get into a house. The goal is to maintain affordable shelter and utilities while stewarding the rest of the budget. Recent housing data shows why this matters. A typical family earning the national median income needed about 32% of its income to cover the mortgage payment on a median-priced home. If homeownership is possible within wise limits, that is wonderful. But if renting allows you to maintain margin and faithfulness, do not despise it. 6. Make the Most of a Workplace Retirement Match Investing may not feel urgent when there are bills to pay today. But if your employer offers a retirement match, failing to contribute enough to receive it may leave part of your compensation unused. This is not about trusting in wealth for security. 1 Timothy 6:17 reminds us not to set our hopes “on the uncertainty of riches, but on God.” But trusting God does not mean ignoring wise preparation. If a workplace match is available, it can be a practical opportunity to steward well what has been provided through your employment. Start With Honesty and Surrender So where do we begin? Not with guilt or fear, but with honesty and surrender. Stewardship means being responsible in both the big and small financial decisions because everything we have belongs to God. That includes the budget, the car, the debt decision, the emergency fund, the housing payment, and the retirement match. None of these choices is isolated. Together, they shape how we manage what God has entrusted to us. If you need help setting up a budget, tracking your spending, or creating a plan, check out the FaithFi app at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I'm 70, and my husband is 71. He's been self-employed for most of our marriage, and we've never really invested or saved much for retirement. We don't have a 401(k), and if we retired, we'd mostly rely on Social Security and would need to cut back significantly. My husband doesn't really want to retire, but I feel like we haven't been faithful stewards and need to start doing something. Where should we begin? My wife passed away in December, and I may be receiving life insurance proceeds. If I deposit that money into my checking account, will it affect my Social Security benefits in any way? I have to take required minimum distributions from my IRA each year. I've heard that if I give to charity directly from my IRA, it can reduce the taxable amount of my RMD. Is that correct, and is there a specific way I need to do that? I'm almost 70 and in a blended family. The money I earned and invested before marriage is separate from my husband and will go to my daughters. After I moved investments between firms and lost money, my current advisor put me into three annuities. I want security, wise stewardship, and a way to leave something for my children, but I'm confused about the annuities, taxes, and withdrawals from these pre-tax IRA accounts. I'd also like a Certified Kingdom Advisor to review my situation. What should I do? 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.

Overwhelmed by raising four children, born within 18 month—including triplets—Laurie Devernoe found herself anxious, exhausted, and longing to get motherhood “right.” In her broken moments, she turned to God and discovered the beauty of faith in the everyday chaosOn this episode of The Mom Next Door: Stories of Faith, Laurie shares real stories of mom life, hope when you feel alone, and practical ways to build your family's faith—no perfection required. Be encouraged by Laurie's journey and discover how God meets us right where we are, offering strength for each dayIf you've ever wondered if you're enough as a mom, this conversation will remind you: You are the mom God chose for your family!

Today, Pastor Jeff shares how fulfilled promises in the Bible help us trust that God always keeps His word and that Jesus is the Savior He promised to send. John 20:31  But these are written so that you may believe that Jesus is the Messiah, the Son of God, and that by believing you may have life in his name.  

Credit card rewards can look like easy money, especially when you hear stories of people earning flights, hotel stays, and cash bonuses simply by opening new cards. But one increasingly popular strategy—known as credit card churning—may carry more risk than reward. As Christians, we're called to think about financial tools with wisdom, not just ask whether something is technically allowed or potentially profitable. The better question is this: Does this help me become a more faithful steward of what God has entrusted to me? What Is Credit Card Churning? Credit card churning is the practice of opening new credit cards primarily to earn sign-up bonuses. A person opens a card, spends enough to qualify for the bonus, collects the reward, and then moves on to the next offer. On the surface, it may sound clever. After all, if a card offers hundreds of dollars in rewards, why not take advantage of it? But for most people, the strategy is far more complicated than it appears. Opening multiple credit cards can trigger hard inquiries on your credit report. It can reduce the average age of your accounts. It can create more payment due dates to manage. And many card issuers have become more restrictive with these offers than they were in years past. Some companies limit how often you can receive a bonus. Others may claw back rewards if they believe the system has been abused. And even when everything goes according to plan, one missed payment, one overlooked annual fee, or one spending requirement that encourages unnecessary purchases can quickly erase the benefit. For most people, it is simply more effort than it is worth. A simpler setup—a reliable rewards card, a debit card, and perhaps a business card if needed—will meet most needs without adding unnecessary risk. Not All Rewards Are Unwise That does not mean all credit card rewards are unwise. If someone pays the balance in full every month, tracks spending carefully, and already lives within a healthy budget, rewards can provide real value. A cash-back card may reduce everyday expenses. A travel card may help with a planned trip. And credit cards often provide stronger fraud protections than debit cards. But here is the key: rewards should enhance good financial habits, not compensate for weak ones. A rewards card is not a solution for overspending. It is not a substitute for a budget. And it should never become an excuse to buy more than you planned simply to earn points. If you carry a balance, the interest will almost always outweigh the rewards. When Does It Make Sense to Open a Credit Card? It may make sense to open a credit card when someone has already demonstrated financial consistency. That means they pay bills on time. They track their spending. They are not carrying consumer debt. They have a stable plan for their money. In that context, a credit card may help build credit history and provide useful benefits. But it is wise to be cautious about opening a new card if you are already carrying credit card debt, struggling to manage monthly expenses, recovering from missed payments, or tempted to spend more because of rewards. The issue is not simply whether a credit card is good or bad. The issue is whether it supports faithfulness—or creates unnecessary temptation and complexity. Is There a Moral Concern With Credit Card Rewards? Some argue that rewards benefit financially healthy cardholders at the expense of those in debt. Others point out that rewards are often funded through merchant fees, which businesses agree to pay when they accept cards. There is a moral dimension worth considering, but we should be careful not to oversimplify it. Rewards are generally tied to creditworthiness and financial behavior. Many households at a variety of income levels can qualify for rewards by building strong habits, maintaining a good credit score, and using credit responsibly. So the better focus is not shaming someone for receiving rewards. It is helping more people develop the wisdom and discipline to use financial tools responsibly. Churning, Personality, and the Pull of Quick Gain Credit card churning also reveals how personality shapes financial decisions. Some people love optimization. They enjoy spreadsheets, rules, deadlines, and the feeling of “winning the game.” Others need simplicity and predictability. But personality does not determine financial faithfulness. Habits do. Proverbs 21:5 says, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Credit card churning often appeals to the hasty part of us—the part that wants quick gain, clever advantage, and immediate reward. But Scripture calls us to something better: diligence, patience, contentment, and faithful stewardship. A Better Question to Ask Before chasing the next bonus, ask a better question: Does this help me become a more faithful steward of what God has entrusted to me? If the answer is no, it may be best to leave the reward on the table and choose the freedom of simplicity instead. The best financial strategy is not the one that squeezes every possible point out of the system. It is the one that helps you live faithfully, give generously, avoid bondage, and remember that everything you have belongs to God. On Today's Program, Rob Answers Listener Questions: I sold my camper last year and put $5,000 into a regular savings account, earning very little interest. Since this is basically my only emergency fund, I'd like to keep it liquid but earn more. How can I find a higher-interest savings account with no penalties for accessing the money? I'm 78 and trying to decide when and how to buy a safer car. My granddaughter needs my current car, and I have about $30,000 in local bank accounts and $226,000 in an IRA. Should I buy new or used, use savings, withdraw from my IRA, finance it, or possibly borrow against myself? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) AdelFi Christian Banking Bankrate | NerdWallet 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.

When was the last time you planned something simply because it would make you smile?So many women spend the summer making memories for everyone else while quietly putting their own joy on hold. But what if creating just one thing to look forward to could actually lower your stress and help you experience more peace?In this first episode of the Summer Soul Glow Up series, Bonnie shares a personal story about discovering how making room for joy changed the emotional atmosphere she created for her family. As she prepares for ankle surgery this summer, Bonnie reflects on how choosing delight—even in a difficult season—has become a sacred act of soul care.Through Scripture and the science of anticipatory joy, you'll discover why looking forward to something meaningful can renew hope, calm your nervous system, and remind you that your joy matters to God.If you've been putting yourself last, feeling emotionally drained, or wondering how to find joy in the middle of a difficult season, this episode will encourage you to make room for delight again, one small moment at a time.Key Takeaways— Why planning something joyful can lower stress and increase hope— The science of anticipatory joy and how dopamine supports emotional wellness— Why your emotional presence becomes someone else's emotional memory— How making room for your own joy blesses the people you love— A simple soul care practice to help you create your own Summer Glow List— Why God delights when you delight in the gifts He's given youBreath PrayerInhale: Delight yourself in the Lord...Exhale: And He will give you the desires of your heart.Scripture"Delight yourself in the Lord, and He will give you the desires of your heart." — Psalm 37:4 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→ Join Bonnie on Instagram @thebonniegray → 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 this week as we begin a new Faith Question and discover how God's Word gives us a strong foundation for what we believe by true faith. Jude 3 Dear friends, although I was eager to write you about the salvation we share, I found it necessary to write, appealing to you to contend for the faith that was delivered to the saints once for all.

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.

Join Pastor Jeff in our FRI-YAY episode as we wrap up our Faith Question on faith in Jesus Christ and discover that faith is simply trusting and believing in Jesus as the One who saves us. Acts 16:31   They said, "Believe in the Lord Jesus, and you will be saved—you and your household."   

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.

Do you ever feel like slowing down is impossible? Like your worth is measured by your productivity, accomplishments, or how much you can get done?In this inspiring conversation, Jennifer Y. Afriyie shares her powerful journey from overwork and a serious health crisis to discovering the biblical and practical power of true rest. Jennifer reveals how God used her season of burnout to teach her that rest is not weakness—it is a spiritual discipline designed to help us live with greater peace, purpose, and effectiveness.Jennifer introduces her R.E.S.T. framework: Reflect, Energize, Strategize, Thrive—a practical approach to help high achievers create space for restoration while still pursuing their God-given purpose.Together, we explore:✨ Why rest is rooted in Scripture and modeled by God✨ The lessons of Mary and Martha and the importance of being present with Jesus✨ How daily reflection and gratitude can transform your mindset and productivity✨ The science behind reflection and why it can increase effectiveness✨ Why your value is not tied to your output✨ Simple ways to begin building sustainable rest habits—even with a busy scheduleJennifer reminds us that making ourselves a priority is not selfish—it is essential for long-term health, relationships, and impact.If you are tired of constantly striving, this episode will encourage you to embrace rest as a gift from God and a pathway to thriving.Connect with Jennifer:Learn more about Jennifer's work and discover resources to help you build a healthier relationship with rest.https://jyaspeaks.com/*Jennifer's book: REST: https://amzn.to/4afV2JCCONNECT WITH VICTORIA:PODCAST: www.choose2thinkpodcast.comWEBSITE: www.choose2think.coMINISTRY WEBSITE:⁠⁠ www.choose2think.coFACEBOOK:⁠⁠ www.facebook.com/groups/choose2think⁠⁠INSTAGRAM⁠⁠: www.instagram.com/victoriadwalkerlydon/EMAIL: choose2think@gmail.com ⁠⁠*BOOKS:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CHOOSE 2 THINK 365-DAY DEVOTIONAL⁠⁠⁠⁠⁠⁠:⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/3Hcl7v1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CHOOSE 2 THINK JOURNAL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: https://amzn.to/3Hcl7v1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pickleball Passion A Marriage Devotional: 21 Days to a Stronger Connection on and off the Court⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://amzn.to/48wnvaV⁠⁠⁠⁠⁠⁠⁠⁠*When you click on these Amazon affiliate links, I may earn a teeny commission from qualifying purchases at no extra cost to you. Thank you for your support!DISCLAIMER: This podcast is for educational and entertainment purposes only. Consult your physician or doctor for all medical advice and counsel.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUPPORT CHOOSE 2 THINK MINISTRIES AND PODCAST HERE:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PATREON: Patreon.com/Choose2Think

“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.

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.

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