Podcast appearances and mentions of miriam neff

“For everything there is a season, and a time for every matter under heaven…” – Ecclesiastes 3:1God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it's not only okay to adjust your financial finish line—it's often the wise and faithful thing to do.Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and a Wealth Advisor at Wealth Squared. He and his brother, Kealan, founded the Finish Line Pledge and also co-host the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.What Is a Financial Finish Line?A financial finish line is simply an answer to the question, How much is enough? It helps us define what we need for our lifestyle so that everything beyond that can be redirected toward building God's Kingdom.There are two kinds of finish lines:Lifestyle (or Spending) Finish Line – The amount needed to fund your personal lifestyle.Accumulation (or Net Worth) Finish Line – The total assets needed to sustain that lifestyle for the rest of your life.These lines aren't rigid—they're tools to help us hold God's money with open hands, growing in both contentment and generosity.However, there's often a lot of pressure to get it exactly right, but what matters more is having a starting point. You'll grow and refine it as your life and faith journey progress.We recommend revisiting your finish line at least annually—or sooner if significant life changes occur, such as a new dependent, a move to a more expensive area, or a shift in health.The Four Buckets of MoneyTo help clients visualize their financial decisions, Cody teaches a simple framework that divides money into four “buckets”:Personal Spending – Covering day-to-day lifestyle costs.Future Planning – Savings and investments for future needs.Taxes – Obligations to the government.Kingdom Giving – Resources designated for generosity.A lifestyle finish line determines what belongs in the first two buckets, freeing the rest for eternal purposes.The Net Worth Finish Line: How Much Is Enough to Save?A net worth finish line is the amount we believe is appropriate to accumulate over a lifetime. The parable deeply informs us of the rich fool in Luke 12—the man who tore down barns to build bigger ones but failed to consider the brevity of life and the weight of eternal priorities.To set a net worth finish line, Cody walks clients through three core considerations:Lifestyle Needs – How much do you need each year?Wealth Transfer Goals – What will you leave to heirs or ministries?Conservative Margin – A buffer for life's unknowns—but not a replacement for trust in God.What Happens When You Cross the Finish Line?If you find yourself exceeding your finish line—accumulating more than necessary—we encourage asking yourself one essential question:“Why am I holding on to these resources in the first place?”God may have given you more not for personal security, but to fund the “good works He prepared in advance for you” (Ephesians 2:10). In that light, generosity becomes more than a response—it becomes a calling.Rather than letting a higher income raise our standard of living, it becomes an opportunity to increase our standard of giving.Not sure where to start? Try setting a finish line for 90 days. Just set a lifestyle finish line for three months and see what you learn.That short-term experiment opens the door to deeper financial freedom, greater contentment, and a stronger sense of purpose.A Finish Line That Leads to WorshipWe also should remember that at the end of the day, it's not just about money—it's about worship. 2 Corinthians 9:8 reminds us:“And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work”To set a financial finish line, we must first recognize that everything belongs to God. It's not about figuring out how much of our money to give to Him—it's about learning to steward His money faithfully.Your finish line isn't a limit—it's an invitation to freedom, joy, and a deeper life of generosity.Want to Learn More?Ready to take the next step? Visit FinishLinePledge.com to access helpful tools, real-life stories, and free resources that will guide you in defining what “enough” looks like in your financial journey.You can also read Cody's full article, “A Spending Finish Line Is Just the Beginning,” in the latest issue of Faithful Steward magazine. To receive the magazine at your doorstep each quarter, become a FaithFi Partner with a monthly gift of $35 or an annual gift of $400. Learn more at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:My father-in-law passed away in March. Next week, we have an appointment with Social Security, and we want to ensure we come prepared, along with my mother-in-law, who will turn 65 next year. She wants to take over his Social Security.I heard about a government program that allows you to consolidate your credit card debt and repay it with no interest, but I'm not sure how to access it. My debt is about $25,000.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Finish Line PledgeChristian Credit CounselorsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Matthew 6:21, Jesus says, “For where your treasure is, there your heart will be also.” That teaching is true for everyone, and yet men and women have different perspectives on money. So how do wise women manage the resources God entrusts to them? Miriam Neff is here to talk about that today.Miriam Neff is the founder of Widow Connection, the author of 11 books, a counselor, a Bible teacher, and a speaker. She supports widows through sewing and bakery projects and is the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with her daughter. Her radio features New Beginnings and Starting Over Financially air nationwide.Managing money wisely is a critical skill, and for many women, the responsibility of financial stewardship comes unexpectedly. Whether due to widowhood, divorce, or simply taking on a more active role in household finances, women today oversee 51% of the wealth in the United States, a figure that continues to grow.However, with the right mindset and practical steps, women can confidently manage those resources. Here are eight key habits that wise women adopt to steward their finances well.1. Acknowledge That All We Have Belongs to GodThe foundation of wise money management begins with recognizing that everything we have is a gift from God. Whether it's a paycheck, a home, or an investment portfolio, God has entrusted our financial resources to us for stewardship.Some may think of their 401(k) or IRA as ‘theirs,' but biblically speaking, all of our resources—income, spending habits, even our possessions—belong to God. This means we must steward everything wisely, from the big decisions to the small ones.2. Take Responsibility for Knowing Your FinancesMany women suddenly find themselves responsible for managing their finances after years of leaving it to a spouse or financial professional. Miriam emphasizes that understanding one's financial situation is crucial, whether through spreadsheets, budgeting apps, or simple pen and paper.We cannot make excuses, such as “My parents never taught me this” or “My teenagers demand too much.” We are accountable to God for how we manage our resources.Taking responsibility also means seeking help. Resources like Widow Connection, Faith & Finance, and local church financial ministries provide guidance and support.3. Create a Spending Plan Based on Income and ValuesThe world encourages spending beyond our means—bigger houses, new cars, and credit card debt. However, wise financial management requires a spending plan that aligns with both our income and values.Cultural messages tell us to spend first and hope our income will catch up. Biblically, we must prioritize contentment and stewardship. A budget is a tool to help us live within our means and honor God.A values-based spending plan includes giving to God first, meeting needs before wants, and saving wisely.4. Recognize That Every Spending Decision Is a Spiritual DecisionLarry Burkett famously said, “Every spending decision is a spiritual decision.” Where we allocate our money reflects our priorities and our hearts.What do you check first thing in the morning—your bank account or social media? If we want to understand our hearts, we should examine our calendars and bank statements. They reveal our true priorities.If our spending habits don't align with our faith, it's time to make changes, even if they start small.5. Eliminate Excuses and Avoid Emotional SpendingExcuses can be a major roadblock to financial wisdom. Many justify poor financial decisions with statements like:“My spouse is a big spender.”“My children need expensive gadgets to fit in.”“I was feeling down, so I indulged in some ‘retail therapy.'”Fear and emotions should not drive our financial decisions. The Bible warns about fear-based financial mistakes, as seen in the parable of the servant who buried his talent instead of investing it (Matthew 25).Owning our financial decisions, rather than blaming circumstances or emotions, is key to stewardship.6. Take Personal Responsibility for Financial ActionsFinancial wisdom requires discipline and self-control. Some common financial missteps include:Overindulging children to compensate for a difficult divorce or personal guilt.Hoarding money to fill an emotional void rather than stewarding it wisely.Making impulsive purchases out of fear rather than planning wisely.When we take a small step toward honoring God with our finances, He steps in and provides in ways we never expected.7. Regularly Review and Adjust Your Financial PlanFinancial plans aren't static—they must evolve with life's changes. With inflation, rising costs, and unexpected expenses, a budget from last year may no longer be effective.A core principle of financial wisdom is having three to six months of emergency savings. We can't predict when financial challenges will come, but we can prepare for them.Adjustments may involve cutting unnecessary expenses, increasing savings, or shifting spending priorities.8. Invest for Kingdom PurposesThe ultimate goal of financial wisdom isn't just security—it's Kingdom impact. Everyone's calling is different, but we should all invest in eternity. Whether it's giving to your church, supporting missionaries, or helping those in need, prioritizing God's Kingdom brings the greatest return on investment.Accountability partners, financial mentors, and small group discussions can also help reinforce wise financial habits.Take the Next Step in Your Financial JourneyThese eight habits provide a roadmap for women navigating financial responsibilities. Whether you're newly managing money or looking to refine your financial approach, the key is to start today.For more insights and practical steps, pick up a copy of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan. And if you're a widow looking for financial support, check out Widow Connection for resources and encouragement.On Today's Program, Rob Answers Listener Questions:If I want to do a reverse mortgage, does that mean the house no longer belongs to me?I'm 36 years old and want to know whether I should keep $1,000 in my emergency fund or save 3 to 6 months' worth of my emergency fund income.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.Widow ConnectionYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The financial principles found in scripture are true for everyone, and yet men and women have different perspectives on money. So how do wise women manage the resources God entrusts to them? On today's Faith & Finance Live, Rob West will welcome Miriam Neff to share 8 habits of wise women managing money. Then Rob will answer your questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Beauty matters to painters, musicians, and photographers, but what does it have to do with investing? The creation account suggests that beauty is also at the core of faithful stewardship and investing. Today, we'll discuss “Investing in Beautiful” with Jason Myhre of the Eventide Center for Faith & Investing.Jason Myhre is the Executive Director of the Eventide Center for Faith & Investing, an educational initiative of Eventide Asset Management, and an underwriter of Faith & Finance. The Experience of BeautyWe all encounter beauty in various forms—an orchestral performance, a mountain hike, a beach stroll, or even a bouquet of flowers at home. However, we seldom consider the role of beauty in our work or finances. Beauty is integral to creation and essential in our stewardship of God's world.In Genesis, God is depicted as a worker, creating the heavens and the earth and declaring His creation "very good." The Hebrew word for "good" encompasses moral perfection, functional excellence, and surpassing beauty—a concept better captured by the compound word "beauty-good." God, as a master artisan, crafted a world full of potential and delight.Humanity is called to contribute to the beauty and goodness of creation through work. Genesis 2:15 says, “Then the Lord God took the man and put him in the Garden of Eden to cultivate it and tend it.” This passage indicates that humans are to make God's creation even better. God's creation is full of hidden potential, like seeds, waiting for us to uncover and develop it through our work.Uncovering Creation's PotentialConsider simple examples like bread and wine. God created grain with the potential to become bread and grapes with the potential to become wine. These transformations reveal the hidden potential within creation, brought to fruition through human work.A more sophisticated example relevant today is semiconductors, which are essential for our smart devices and computers. The fundamental material for semiconductors is sand. Kristen Say from Eventide Asset Management aptly describes it: “With semiconductors, we're taking sand and teaching it to think.” This potential was embedded in creation from the beginning, waiting for us to uncover and develop it.Theologian Craig Bartholomew also offers a powerful analogy: Imagine being a sculptor and receiving a call from Michelangelo asking you to complete a sculpture he started. This mirrors our role in God's creation: to finish and enhance the work God began, thereby revealing all its hidden beauty and goodness and glorifying God as the ultimate Creator.Applying This Vision to Business and InvestingAs Christians with a biblical worldview, we must view business and investing through the lens of this divine vision. The Genesis instructions for developing the beauty and goodness of creation still apply to us today. Businesses are called to create products and services that are genuinely good and that truly serve humanity. Investors play a crucial role by supplying the capital that enables and expands the good work of businesses.When contemplating investments, we should ask whether the companies we invest in create goods and services that enhance the world or harm God's creation. Embracing this perspective helps align our investments with our faith, ensuring they contribute positively to God's world.Faith-Based InvestingThe good news is that the faith-based investing movement is growing. Numerous Christian faith-based investments now help us avoid companies whose products contradict biblical values while supporting those that meet human needs and enhance the world.Understanding and developing the hidden potential in God's creation is a profound aspect of our work and investments. By aligning our investments with Christian values, we honor God and contribute to the ongoing revelation of His creation's beauty and goodness.To learn more about faith-based investment resources and to find a list of faith-based investment options, visit faithandinvesting.com/faithfi.On Today's Program, Rob Answers Listener Questions:I'm 71 and recently lost my 77-year-old husband. I'm trying to manage my finances and assets to cover my expenses and have some growth for the future. I've talked to advisors but feel frozen and scared to make decisions. Please help guide me on the best approach.Resources Mentioned:Eventide Asset ManagementEventide Center for Faith & InvestingList of Faith-Based Investing FundsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

For many, this Christmas season is going to be difficult because you are estranged from some of your family members. It's estimated that a quarter of all U.S. families have an estranged member with whom they have no contact. And the average length of that estrangement is nine years. Are you in that group? How are you dealing with that loss this year? Hear some encouragement from Miriam Neff on Chris Fabry Live. For more information about the work of Care Net, click here. Chris Fabry Live is listener-supported. To support the program, click here.Become a Back Fence Partner: https://moodyradio.org/donateto/chrisfabrylive/partnersSee omnystudio.com/listener for privacy information.

There's a great investing option out there, and chances are, it's not in your portfolio.That option is Exchange-Traded Funds or ETFs, and they're worth considering. Brian Mumbert joins us today to discuss the advantages of ETFs.Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.What is an ETF?An Exchange-Traded Fund (ETF) is an investment option similar to a mutual fund but with distinct features. ETFs typically follow an index, such as the S&P 500 or NASDAQ, and are not actively managed. This means that an ETF holds a broad mix of investments, providing diversification that tracks the chosen index. One key advantage is that ETFs, like stocks, can be traded throughout the day, allowing investors to buy or sell at the current market price.How Do ETFs Differ from Mutual Funds?Unlike mutual funds, where the exact purchase price isn't known until the end of the trading day, ETFs offer real-time pricing. This flexibility allows investors to trade whenever they choose during market hours. Additionally, mutual funds may pass on capital gains taxes to investors due to asset sales by fund managers, but ETFs generally avoid this by trading “baskets” of stocks, potentially reducing tax liability.Transparency and Tax AdvantagesETFs offer high transparency, with daily disclosures of their holdings. This transparency is a significant benefit for investors who prioritize clarity in where their money goes. Tax advantages are another key feature; ETFs often avoid capital gains taxes, which can be passed on to mutual fund holders, especially during high turnover periods.Faith-Based Screening for ETFsTimothy Plan applies the same rigorous faith-based screening to its ETFs as it does to its mutual funds. These screenings filter out companies that conflict with Christian values. While ETFs are passively managed, which can mean a slight delay in removing non-compliant holdings, Timothy Plan flags them for removal to ensure alignment with their mission. This gives investors peace of mind, knowing their ETF investments are held to the same ethical standards as other Timothy Plan products.Lower Cost, Greater AccessibilityETFs offer a lower expense ratio than some mutual funds for investors looking for a cost-effective entry into faith-based investing. This affordability can make ETFs an attractive option for individuals who may be deterred by higher fees and a practical choice for adding diversified exposure to one's portfolio.Visit TimothyPlan.com for more details on Timothy Plan's offerings, including faith-based ETFs and mutual funds. With over 30 years of experience, Timothy Plan provides a reliable option for investors who want to align their finances with their faith.On Today's Program, Rob Answers Listener Questions:I'm 60 years old and want to retire early at 62. Before I do that, I'd like to pay off my house. Is that advisable?My son has started a new sales outside sales position and will receive a base salary. How can I advise him on how to begin a budget and maintain it when you have commission as your primary source of income?I was wanting to find out about a book you mentioned. I think it was for widows for budgeting who may not know how to do that, per se. What is the title of that book?We're revising our wills and deciding how much to give to our heirs and charity. What counsel do you have on how to make that decision?Resources Mentioned:Timothy PlanWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron BlueLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

If you think there's only one way to pay for healthcare, maybe it's time to think outside the box of health insurance.Of course, health insurance is a great thing to have, but is it necessarily the best way to pay for healthcare costs? Lauren Gajdek joins us today to discuss medical cost sharing and how it might be a better option.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of Faith & Finance. What Are People Looking for in Healthcare?Many people are searching for options beyond traditional health insurance. CHM members often seek three key elements:Freedom to Choose Providers: Members value the ability to select their healthcare providers, especially those they trust, without being restricted by a network.Faith-Aligned Solutions: They want a healthcare solution that aligns with their Christian beliefs, which can be hard to find in conventional insurance plans.Lower Costs: Cost is a major factor, and many people are looking for more affordable ways to manage their medical expenses.CHM meets these needs by offering a healthcare solution that allows members to choose their providers and emphasizes a biblical approach to sharing medical expenses.Flexibility in Choosing ProvidersOne significant difference with CHM is that it does not restrict members to a specific network of providers. This freedom is especially valuable in emergencies or when traveling, allowing members to access care without worrying about whether a provider is “in-network.” While they can assist members in finding cost-effective providers for planned procedures, the final choice remains with the member, offering a level of autonomy that traditional insurance often lacks.How Does Medical Cost Sharing Work?Medical cost sharing through CHM allows members greater control over their healthcare decisions. Unlike traditional insurance, no pre-approvals are required. If a medical expense falls within their guidelines, it becomes eligible for sharing among the membership. This means that decisions about care are made by the doctor and the patient without the bureaucracy typically associated with insurance.Why Is CHM More Affordable?CHM is often more cost effective than traditional health insurance due to its unique structure:Self-Pay Discounts: Members can request self-pay discounts, significantly reducing medical costs. Because it operates as a nonprofit ministry rather than an insurance company, these discounts are a vital part of its strategy to lower costs.Strong Provider Relationships: With over 40 years of experience, CHM has built relationships with healthcare providers, allowing them to negotiate better rates for services behind the scenes.The Importance of a Faith-Based ApproachCHM's foundation as a Christian ministry is central to its identity. The organization's mission is rooted in biblical principles, emphasizing the importance of sharing each other's medical burdens. This focus on community and mutual support makes them unique in healthcare solutions. It is a reminder that ministry comes first.CHM offers a flexible, faith-based alternative for managing healthcare costs, making it appealing to many believers. To learn more about how medical cost-sharing works or explore their services, visit chministries.org/faith.On Today's Program, Rob Answers Listener Questions:I have a two-flat apartment building that's worth $700,000. We were offered to sell it, and we're looking at another apartment building in another area for $625,000. I wanted to know what it would cost me to sell mine for $700,000 and buy the other for $625,000. I've never sold a building, so I am still determining what to expect.My son struggles to pay the bills for his business, and he's taken out several payday loans to make ends meet. He needs to connect with someone who can give him business financial guidance or possibly look into debt consolidation. Do you have any suggestions?I'm selling a home and would like to know where to start with everything. I know I need an emergency fund and want to help the children. I also want to put money into another home I'm going into. I don't know where to start with all of this, as it's all new for me since my husband passed away.I've been told there's a way to get a free credit report. I understand the government requires it, but I'm uncomfortable using the internet. Please tell me how I can get my free credit report.Resources Mentioned:Christian Healthcare Ministries (CHM)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.AnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Giving is supposed to be a source of great joy for God's people. But sometimes, we act like it's just another pain in our wallet.Christians are supposed to be generous, but maybe you're having trouble getting excited about the idea. Today, we'll point you back to the radical joy of godly generosity.Has Your Giving Become Automatic?Let's start with an honest confession—has your Sunday donation become a routine, more about the habit than the heart? Or maybe you've been cutting back on giving due to financial challenges, and guilt is starting to creep in. Perhaps you and your spouse are facing tension over financial decisions, making discussions about giving stressful and uncomfortable.If your generosity feels stale or joyless, it's time to hit reset. A renewed perspective on giving can not only restore your joy but also realign your heart with God's purposes.Christian Generosity Is DifferentUnlike the world's view of generosity, where recognition, self-esteem, or even a building with our name on it might be the end goal, Christian generosity is rooted in serving a different Master. It's not about impressing others; it's about imitating Christ.Ephesians 5:1 reminds us: “…be imitators of God, as beloved children. And walk in love, as Christ loved us and gave himself up for us, a fragrant offering and sacrifice to God.”Jesus' love for us led him to give everything on the cross, and we follow his example when we give radically, sacrificially, and joyfully.Sometimes, the action of giving must come before the feeling. Even when joy is absent, continue to give in faith. The joy will come because generosity pleases God, and He is faithful to guide your heart as you seek Him in this area.Cultivating a Biblical Attitude About GivingWhat does biblical giving look like? It's more than just putting money in the offering plate. Scripture teaches that our giving should be secret, open-handed, cheerful, loving, and sacrificial.1. Secret, Not ShowyJesus calls us to give in secret so that the glory goes to God, not ourselves. In Matthew 6, He warns us to “Be careful not to do your ‘acts of righteousness' before men, to be seen by them…But when you give to the needy, do not let your right hand know what your left is doing.”2. Open-Handed, Not Stingy2 Corinthians 9:6-7 encourages us:“Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously.”What we have isn't ours—it's God's. Knowing that He is our provider allows us to give freely, whether it's our time, talents, or treasure.3. Cheerful, Not ReluctantGod loves a cheerful giver (2 Corinthians 9:7). Cheerfulness in giving may not come naturally, but God can transform your heart. Pray for Him to help you find joy in generosity because this is His desire for you.4. From Love, Not ObligationGiving that pleases God flows from love—love for Him and love for others. It's not something we manufacture; it's the Holy Spirit working in us, cultivating a heart of love and compassion.5. Sacrificial, Not ConvenientSacrificial giving stretches us to become more like Christ. 2 Corinthians 8:9 reminds us: “For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sakes he became poor, so that you through his poverty might become rich.”Giving sacrificially is an act of trust, believing that God will meet our needs while we meet the needs of others.Giving That Glorifies GodTo sum up, giving that honors God will be secret, open-handed, cheerful, loving, and sacrificial. As you embrace these attitudes, you'll find spiritual growth and joy because ultimately, it's all about God receiving the glory. John 3:21 says:“Whoever lives by the truth comes into the light, so that it may be seen plainly that what he has done has been done through God.”As followers of Christ, we desire to be more like Him in every way, including how we give. But sometimes, we might find ourselves giving out of guilt, reluctance, or a desire to impress others. If that's where you are today, ask Jesus to transform your heart. Pray for the Holy Spirit's guidance as you practice Christian generosity, knowing that God will not only provide for your needs but also bless others through you.On Today's Program, Rob Answers Listener Questions:I have $30,000 I'd like to invest, but I need to figure out where to put it. Where should I invest the money?My brother and sister have a trust with three houses in it. My sister has since died, but my brother is still alive, and the trust has money in it already. He is thinking about selling one of the houses. Does the money have to go to the trust, or can he keep it?I'm a retired widow, and when my husband was living, we had just gotten another car. Now that I don't have his income, I am drawing some widow benefits from him. I keep getting mail to refinance at a cheaper rate because I'm trying to build my credit. Will that hurt my credit if I get it refinanced?How much can I leave and still have enough for long-term care? I want to leave money to a charity through my required minimum distributions.Resources Mentioned:Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.List of Faith-Based InvestmentsBankrate.com | NerdWalletLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless, plead the widow's cause.” - Isaiah 1:17Widows are often unprepared to face a range of difficulties, including grief, social isolation, and, of course, financial challenges. Valerie Hogan joins us today to discuss some ways we can help.Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, as well as the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. Helping Widows Build Financial ConfidenceMore than 60% of married women outlive their husbands, and over one million new widows are added in the U.S. every year. Caring for widows is not just a societal need but a biblical mandate found in James 1:27, where God calls us to look after widows in their distress.So, how can we help a widow gain financial confidence?1. Respect the Time to GrieveGrief is deeply personal, and everyone experiences it differently. We should respect each widow's unique process. Some may grieve privately, while others are more open, but either way, it's essential to allow them space. During the grieving period, it's advisable to hit the pause button on major financial decisions. While some decisions must be made immediately, delaying non-urgent matters can prevent unnecessary stress and mistakes.2. Be Aware of Public Financial VulnerabilityWidows, especially those who receive large life insurance payouts, may be targets for fraud or manipulation. Valerie pointed out that the public nature of some financial settlements makes widows particularly vulnerable. Protecting them by creating a safe environment is crucial. This includes ensuring that the widow is surrounded by trustworthy advisors who have her best interest at heart and are okay with hearing the word “no” from her as she processes her financial decisions.3. Understand the Emotional Impact of FinancesWidows often feel financially vulnerable, whether dealing with new-found debt or suddenly managing a large sum of money. The emotional weight of making financial decisions without their spouse can be overwhelming. Offering encouragement and empowering the widow to make decisions at her own pace is critical. Advisors and loved ones should simplify financial conversations, avoiding overly technical terms and ensuring the widow fully understands her options.4. Offer Help, But Respect AutonomyIt's natural for family members or friends to want to step in and help immediately, but it's essential to offer help when the widow is ready to receive it. Giving the widow space to express what kind of assistance she needs, as everyone's journey is different. Rather than rushing into action, it's better to gauge the widow's readiness and provide support based on her preferences.5. Choosing the Right Financial AdvisorA widow should feel seen and heard by her financial advisor. If she worked with an advisor while her spouse was alive, she should assess whether that advisor truly understood her goals and concerns. If a change is needed, it's worth interviewing several advisors, including those with faith-aligned advice, such as Certified Kingdom Advisors (CKAs). Finding the right advisor is crucial for the widow's financial future and well-being.6. Empower Her to Say "No"Widows are often bombarded with advice from well-meaning friends and family and potential financial offers. Helping a widow say "no" is critical. Whether declining to sell her house or refusing a product offer, she should feel comfortable making decisions in her own time without pressure. People with her best interests will respect her choices, even if they don't align with their suggestions.7. Equip Her for Wealth Transfer and Estate PlanningWidows often play a crucial role in wealth transfer, even if they were not previously involved in the family's financial planning. Advisors should ensure that the widow is well-prepared to handle this responsibility. Rather than focusing solely on the next generation, the widow's role in the financial plan should be prioritized, giving her the tools and knowledge to steward the family's wealth.Helping widows gain financial confidence is a deeply rewarding and biblically rooted responsibility. Whether you are a family member, friend, or financial professional, offering support during this challenging season can make a lasting difference. It's about empowering widows to make decisions on their own time and helping them navigate the challenges that come with grief and financial vulnerability.For those looking for trusted financial advisors, consider a Certified Kingdom Advisor (CKA) through FaithFi.com, where you can find faith-aligned professionals who understand the unique needs of widows.If you're a widow, check out Widow Connection to join a supportive network that has helped over 10,000 women move forward with confidence and hope in this next chapter of life. On Today's Program, Rob Answers Listener Questions:My son was told in a financial class to borrow against rentals to buy more rentals, even though other courses say to pay off debt. Is that biblically correct?My father-in-law offered to loan us $30,000 from his retirement account to make repairs on the house we live in with him. But he said we'd have to help pay the taxes on that withdrawal. Is that a better option than getting a regular loan for the repairs?Resources Mentioned:Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.Widow ConnectionLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Mark Clifton and Mark Hallock discuss an article from Lifeway Research on some simple, yet effective, ways to care for the widows in your church. Stay connected Say you are sorry for their loss Call and ask specific questions Refer to their husband's acts or words – serious or humorous Invite them to anything Accept that they are where they are Walk the talk Resources related to this podcast: “7 Ways to Care for Widows in Your Church” by Miriam Neff

You've probably heard it said that “anything worth doing is worth doing well.”Today, we'll find out why working hard at something can pay big dividends—spiritually and financially.The Secret to Success: Discipline in Every Area of LifeWhat does it take to succeed? If you ask any successful person, they'll likely tell you that success doesn't happen by accident—it requires hard work, preparation, and the ability to learn from failure. As former U.S. Secretary of State General Colin Powell once said, “There is no secret to success. It is the result of preparation, hard work, and learning from failure.”Success demands more than wishful thinking, whether in finances, job, school, or relationships. It requires action and, most importantly, discipline.The Importance of DisciplineAthletes understand this concept well: the more reps you do in the gym or the more miles you run, the better you perform on competition day. The principle of “no pain, no gain” is universally recognized. Similarly, students who study consistently, take good notes, and complete their homework are better prepared to ace their exams.The same is true for your finances. Practicing discipline in saving, spending, and giving significantly increases your chances of achieving your financial goals. On the flip side, neglecting discipline now often leads to the pain of regret later. Hebrews 12:11 puts it this way:“No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it.”Financial Disciplines and Their BenefitsThe Bible emphasizes the importance of discipline in the life of a Christian, both spiritually and practically. Growing as a disciple of Christ requires more than passive observation; it requires active engagement and discipline. While discipline may be challenging, it can also be a source of great joy. Let's explore a few examples of financial discipline and its benefits.Consistent Saving: Perhaps you've committed to saving a portion of your paycheck every week. This discipline requires effort, but the benefit is the reduced stress about future financial needs. Regular saving builds a financial cushion, giving you peace of mind.Faithful Giving: Giving faithfully to the Lord requires discipline, but it comes with the joy of participating in God's Kingdom work and the satisfaction of helping others. Generosity enriches your life in ways that money cannot.Paying Down Debt: It takes discipline to chip away at your debts, but the benefit is progress toward financial freedom. Imagine the joy and relief you'll feel when you're finally debt-free!Sticking to a Financial Plan: Adhering to a financial plan demands discipline, but it rewards you with peace and confidence. Knowing where each dollar comes from and where it's going is essential for financial stability and success. If you're not currently practicing the discipline of a spending plan, we can help. Download the FaithFi app or visit us online at FaithFi.com to create your personalized spending plan.The Joy of DisciplineBeing a good steward of the resources God has entrusted to you requires discipline. While the disciplines of saving, giving, paying off debt, and sticking to a plan may be challenging, they serve a higher purpose.As we read earlier in Hebrews, discipline can be painful, but it also brings joy. Here's why:Positive Results: Discipline yields positive outcomes. In the realm of finances, you can rejoice when your savings grow, when you make progress in paying off debt, and when you see the fruits of your planning and generosity. These successes make the hard work worthwhile.Peace in Financial Stewardship: Following God's principles of stewardship and integrity in money matters brings peace to your financial life. There's a deep sense of satisfaction in knowing you're managing your resources wisely.The Joy of Order: When you compare the chaos of financial mismanagement with the peace of careful stewardship, it's easy to see which is more joyful. It's far better to have all your financial “ducks” in a row than to be constantly chasing them.Overcoming SetbacksEven with the best intentions, none of us make the right financial choices every time. Whether you overspend your budget or miss a loan payment, it's not the end of the world. Acknowledge your mistakes, seek help if necessary, submit your plans to the Lord, and get back on track. God has entrusted you with specific resources to manage, and when you exercise discipline with your money—and your spiritual life—you'll experience a harvest of righteousness and peace. That's true success in anyone's book!On Today's Program, Rob Answers Listener Questions:I recently inherited a retirement account from my deceased husband. I want to convert the money into a down payment for a house, and I would like to know if you have any advice on the least painful way to do that.I'm 46, and I have a traditional IRA that I am strongly considering converting to a Roth. What are your thoughts on that decision? My 19-year-old is attending junior college and receiving free tuition from the Tennessee Promise. However, he also wants to invest and hopes to purchase a duplex by age 21. So, we don't want to mess with his FAFSA and mess him up to the point where he would not be able to receive that free money for a Tennessee student attending junior college. So, what could we do for his benefit?I have about $100,000 in a tax-deferred account that's growing little because it's in a guaranteed term. Now that I'm retiring, I want to move it somewhere to maximize my earnings. How would you recommend going about that?Resources Mentioned:Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

From hats in the hall closet…to bats in the belfry, we can help you save money on the basics.Today, we'll offer you a few common-sense strategies for saving money on three basic necessities: clothing, utilities, and home maintenance.Saving on ClothingWhen it comes to clothing, it's easy to get tempted by sales or the latest trends. This is especially true if you have kids, especially teenagers, with rapidly changing sizes and opinions on what's “cool.” But keeping your family's wardrobe sharp doesn't have to break the bank.Shop Thrift Stores: You don't have to buy new. Thrift stores offer deals on current styles and wardrobe basics. This is a great way to save, especially if you have kids. Teenagers might resist, but give them a budget and challenge them to find something they like. It's a fun way for them to learn the value of money and creativity.Consignment Stores: Consider shopping at consignment stores, where you can find stylish clothing at a fraction of the cost. Plus, when you're done with your gently used items, you can trade them in for cash or discounts, adding money back into your clothing budget.Re-think Your Wardrobe: Instead of filling your closet with items you'll only wear once or twice, focus on versatile, high-quality basics. A good pair of slacks or a neutral skirt can serve multiple purposes, from work to church or an evening out. Spend on these core items and use accessories and thrift store finds to add variety.Cutting Down on Utility BillsUtilities are another area where costs can quickly add up, but there are several ways to save.Energy-Efficient Appliances: Invest in energy-efficient appliances when it's time to replace your old ones. While it may cost more upfront, these appliances will save you money in the long run. You can also find deals on “scratch and dent” models, which are new but have minor cosmetic flaws.LED Lighting: Switch to LED bulbs; although they're more expensive initially, they last longer and use less energy, reducing your electricity bills over time.Utility Rebates: Check with your utility company for rebates on energy-efficient systems like electric hybrid water heaters or smart thermostats. These rebates can help offset the initial costs of upgrading your home's energy systems.Simple Habits: To further reduce your energy consumption, unplug appliances, turn off electronics, and adjust your thermostat when you're not at home.Smart Home MaintenanceRegular maintenance is crucial to avoid costly repairs if you own a home. Here are some tips to keep your home in good shape:HVAC Maintenance: Have your heating and air conditioning system checked annually to ensure it's running efficiently, especially before the peak seasons of summer and winter.Seal Air Leaks: Check the caulking around windows, doors, and light fixtures annually. Replace weather stripping if necessary, and consider adding insulation if your home feels too warm in summer or too cold in winter. Again, utility companies often offer rebates for insulation upgrades.Roof and Attic Checks: Remember your attic. If unused, ensure it's not becoming a home for critters. Rodents and other animals can cause significant damage, including chewing on electrical wires, which is a fire hazard.By taking simple, proactive steps in clothing, utilities, and home maintenance, you can manage your money more effectively and keep your expenses under control. These practical tips are designed to help you save more while still maintaining a comfortable and stylish lifestyle.On Today's Program, Rob Answers Listener Questions:I'm in my 70s, and my spouse and I have been married for over two years. I've saved a significant amount of money initially kept in a lockbox. After selling my condo, I put that money into a couple of CDs, as they offered the best rates. These CDs will earn me over $4,000 a year in interest. I also have a few thousand dollars more that I need help with. I'm concerned that depositing this large cash amount in the bank might raise money laundering suspicions with the government.My dad passed away over a year ago, and my mom is trying to get Social Security benefits. However, neither of them has the required 40 credits. Can they combine their credits to qualify?My question concerns an income property that I have. Is it better to keep it during my retirement or sell it? My main concern is the capital gains tax I'll incur when I sell it since I've owned it for over 20 years, and it's depreciated.Do you consider classic cars a viable option for possibly a small part of a retirement portfolio?Resources Mentioned:Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Bankrate.comRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Therefore do not be foolish, but understand what the Lord's will is.” - Ephesians 5:17That verse is a good reminder that to follow God's will, we must first know it for all areas of our lives—including finances. Brian Holtz joins us today with a question: Does your budget reflect God's priorities or yours?Brian Holtz is the Chief Operating Officer at Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.Ownership vs. Stewardship One of the fundamental concepts of Christian finances is the distinction between ownership and stewardship. Psalm 24:1 reminds us, “The earth is the Lord's and all it contains.” In 1 Corinthians 1 and 2, we learn that we are stewards or managers of God's resources, and as such, we must be faithful to His goals and priorities rather than our own.God's Priorities for Money Scripture reveals five critical priorities for managing our finances in a way that honors God:Generosity—There are over 300 verses about giving and generosity. We are encouraged to give our first and best, never the leftovers.Providing for Family—1 Timothy 5:8 emphasizes the importance of providing for our families, stating that neglecting this responsibility is akin to denying the faith.Meeting Financial Obligations—Romans 13 urges us to meet our financial obligations, including paying taxes and repaying debts, reflecting our commitment as representatives of Jesus.Saving for the Future—Responsible saving is crucial to being faithful to the first three priorities during times of hardship or insufficient income.Enjoying God's Blessings—While enjoying God's blessings, we must ensure that this enjoyment does not take precedence over His greater priorities.Aligning Our Budget with God's Priorities If our budget isn't aligned with God's priorities, we need to admit our mistakes to God and recommit to His goals. As a family, we should make financial trades to align our budget lines with God's priorities.Generosity: What abundance could we cut back on to be more generous?Provision: Are we saving too much at the expense of our family's immediate needs?Debt Repayment: What could we stop doing to pay off debt faster?Enjoyment: Once priorities are in order, how can we honor God by enjoying His blessings?Aligning our finances with God's priorities honors Him and brings a more fulfilling and purposeful life.You can learn more about biblical money management by visiting the Learn section at CompassFinancialMinistry.org. You can find resources suited to your preferred learning methods, whether reading, watching, or listening.On Today's Program, Rob Answers Listener Questions:I love the idea of the QCD, and I know they work with IRAs. Do they work with 403b accounts?I used to have investments but had some high veterinary bills, and I'm on disability. I'm trying to get an emergency fund, but every month, I have to use the money I put aside. I need some encouragement on how to get his emergency fund because that's the first step I have to do.Is a reverse mortgage a good idea? Would we lose ownership of our home if we did this?I'm looking forward to starting a business and would like to know if I should open it as an LLC or an S corporation.I have my will and everything specified in it, including how things are divided regarding my house, estate, etc. I also have investments, and those are all I have beneficiaries on. My financial advisor says that I don't need a trust, but my kids are pushing me to get a trust to avoid probate. Resources Mentioned:Compass Financial MinistryWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D. Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“By wisdom a house is built, and by understanding it is established; by knowledge the rooms are filled with all precious and pleasant riches.” - Proverbs 24:3-4Faithful stewardship requires us to make wise financial decisions…manage and grow assets, and protect our families from hardship. Are you ready if you're suddenly disabled or incapacitated? Valerie Hogan joins us with a checklist to prepare you for it.Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, as well as the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. The Importance of Disability InsuranceWe need the humility to realize we don't know what's coming in the future and the due diligence to get disability insurance, which protects us from loss of income if we're disabled. It's available publicly and through private programs, with costs varying based on qualification strictness, medical history, benefit duration (short or long term), and waiting period before it kicks in.Preparing for disability also falls in the same category as basic estate planning. This includes considering a durable power of attorney for finance or health decisions, a will or revocable living trust, and a living will when you can't make medical decisions independently.Organizing for IncapacityTo get organized, securely store important papers and legal documents and let someone you trust know their location. Talk to your spouse or family member about your advanced care wishes and permit your doctors and lawyers to speak with your caregiver, which may require a HIPAA release.Essential Documents to OrganizeHere's a comprehensive list:Birth, death, and marriage certificatesNames and phone numbers of close friends, relatives, doctors, lawyers, and financial advisorsFinancial information such as social security card or number, sources of income, IRAs, 401(k)sInsurance information, including life, long-term care, home, and car policies, with policy numbers and agents' contact detailsBank account numbers, checking, savings, and credit union detailsInvestment information (stocks, bonds, property) with broker's contact detailsMost recent income tax returnsUp-to-date will or trust with original signatures and witnesses (varies by state)List of liabilities and whom you oweDeeds or trust documents for your house and carHealth information, including current prescriptions, a living will, a durable power of attorney for health care, health insurance policies with policy numbers and contacts, and HIPAA releases.It's worth it to ensure everything is done properly, so a licensed attorney specializing in estate planning in your state is an excellent resource for wisdom and advice. A godly estate planning attorney can help you consider whether the next steward is chosen and prepared.On Today's Program, Rob Answers Listener Questions:Should I consider paying off my mortgage since the mortgage rate is considerably less than I could get by investing money in CDs? I'm also curious if digital currency is coming to the United States and if we must worry about the government taking our home.As a new medical practice owner who is barely making it right now with overhead and mortgage expenses, do I tithe from the gross income that the practice brings in, or can I tithe from the net income after taking care of all the expenses? Also, I bought a house in Florida to pay off, and I just got engaged. I plan to add him to the deed. What will the tax consequences be for him?How can my husband and I save or invest $200,000 that I will soon receive as an inheritance, given that we plan to retire in five years?My husband and I had gotten behind in tithing and giving to the ministries we support. We were challenged to get caught up, so despite life circumstances, we dipped into our savings and sent the checks. The day we delivered our tithe check to the church, we received a cash offer and sold our house in just two weeks. I wanted to encourage others that God is faithful when we surrender our hearts to him.I'm a 73-year-old widow living on Medicare and Medicaid. Because of this, I've heard they could take my house, but I want to understand more about how true that is and what I need to do, like possibly setting up a trust to secure my home. Where should I start to get advice on this issue?Resources Mentioned:Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JDMoney and Marriage God's Way by Howard DaytonRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

We'd like to think that our actions are always pleasing to God and certainly don't offend Him…but we also know that isn't always true.Christians are called to do good works so the world will see them and God will be glorified. So it shouldn't surprise us that God takes stinginess and generosity personally. Randy Alcorn joins us today to discuss this.Randy Alcorn is a New York Times bestselling author of over 60 books on Christian Living and the Founder and Director of Eternal Perspective Ministries. His ministry focuses on helping others use their time, money, possessions, and opportunities in ways that count for eternity.Living The Good LifeWhat does it mean to be truly rich in our pursuit of a fulfilling life? The concept of being "rich toward God" is explored in the biblical narrative, emphasizing the importance of generosity and selflessness. This richness is not measured by accumulating wealth for personal gain but by giving lavishly to those in need, aligning with God's priorities rather than hoarding possessions.The parable of the Rich Fool serves as a cautionary tale, illustrating the folly of materialism and selfishness. Despite worldly success, the rich fool is deemed a fool by God for prioritizing his desires over preparing for eternity and acknowledging God's sovereignty over his life and possessions.The passage warns that materialism diminishes the true value of possessions and increases anxiety by focusing solely on self-preservation and indulgence. True joy and fulfillment, it suggests, come from selfless giving and serving others rather than selfish accumulation.Contrary to the worldly view of the "good life," Christians are called to find abundance in knowing Jesus and living a life of purpose and generosity. This abundance extends beyond material wealth to encompass the spiritual richness of serving God and others.Living the good life involves shifting priorities toward God's kingdom, sacrificial giving, and finding joy in serving others. It's about embracing a life of abundance through generosity and aligning one's life with God's purposes, finding fulfillment in possessions, relationships, and purposeful living.Ultimately, the true richness of life lies in living for something greater than oneself, embracing a lifestyle of generosity and selflessness that reflects God's love and character.On Today's Program, Rob Answers Listener Questions:After my husband passed away, I recently received a $126,000 inheritance. I wasn't sure what to do with the money, as I had some liquid savings, but I wanted advice. I planned to put some in savings, but my local bank offered a 7% interest rate on a 7-month CD, which seemed like a good option. I asked the host if he recommended putting all of it in the CD or if you had other advice.What's the best place to look into getting a high-yield savings account? I'd also like to know the interest on that savings account—if it's added monthly, and how that works. I just wanted to know where to look and how the interest works on a high-yield savings account.Resources Mentioned:Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JDBankrate.comEternal Perspectives Ministries with Randy AlcornRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Today on Karl and Crew Mornings, we continuted our theme, "Marginalized." First, we talked about the power of worship. Our Scripture reference was Ephesians 5:18-20. Experiencing the worship of others has a way of ministering to us like nothing else can. Our special guest this morning was author and speaker Miriam Neff. She is the founder and president of Widow Connection, a ministry that seeks to inform, encourage, and equip widows. James 1:27 reminds us that true religion is caring for widows. Visit Miriam's website to find out how you can help, and listen to all the highlights of today's program on the Karl and Crew Showcast.See omnystudio.com/listener for privacy information.

Our correspondent to unwanted change, Miriam Neff, returns with some good questions. She's been thinking a lot lately about "legacy." How do you leave one? Perhaps the answer comes from Scripture that says, "Delight yourself in the Lord and He'll grant you the desires of your heart." What is your great desire? Is it crowded by good activities? Let's talk about that desire on Chris Fabry Live.See omnystudio.com/listener for privacy information.

TAKEAWAYSDon't get married to a potential spouse if you aren't on the same page about financesDo not hide anything financially related from your spouse - it will be revealed eventually and will cause significant damageDiscretionary spending is typically a very small portion of a budgetStart your financial mindset by realizing that your money belongs to God - we are simply stewards of what he has given us

Most women in America are single, and most of them do not feel confident dealing with their finances. Miriam Neff recognized this issue and for years has been assisting the nation's largest demographic learn how to tackle financial education from a Christian perspective. Miriam is an author and counselor who co-authored an incredible book with her daughter Valerie, Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting & More. In this excellent read, women learn how to tackle all aspects of their finances, from budgeting to paying off debt. Miriam's journey to becoming a financial advisor came after her husband passed away and she was forced to deal with her finances head-on and alone. “I learned how to invest, and I've learned to invest well,” she shares. TAKEAWAYS Don't get married to a potential spouse if you aren't on the same page about finances Do not hide anything financially related from your spouse - it will be revealed eventually and will cause significant damage Discretionary spending is typically a very small portion of a budget Start your financial mindset by realizing that your money belongs to God - we are simply stewards of what he has given us

“Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge him, and he will make straight your paths.” - Proverbs 3:5-6Why are people so worried about the economy these days?Part of the issue is concern about a number of factors, including the upcoming US election, high inflation, high interest rates, and various geopolitical issues like what's happening with China/Taiwan, Ukraine, and the Middle East.How are people dealing with this uncertainty?Uncertainty for many people leads to fear, especially for those on a fixed budget or struggling financially.Fear can cause people to become either indecisive with money or take ill-advised financial risks by forgetting whose money they are stewarding.How do you help people who are struggling with economic uncertainty? Get back to the basics and focus on the things that are within our control. Pray and ask God for insight on ways you can trust Him more in your finances.Look to Scripture for guidance, such as Deuteronomy 8 which talks about God's purpose for us in times of crisis, and 1 Corinthians 7:7 which discusses God's role in providing and our responsibility to obey his commands regarding finances.On a practical level: tightening budgets, reducing spending, paying down debt, and building emergency funds during uncertain times helps tremendously as well.What about someone who might not be thinking about the future at all?There could be an opposite issue - if their investments are doing well and markets have recovered, there could be some greed or pride setting in where they think "I did this."Stay balanced, remain committed to your financial plan, and most of all, stay humble.Deuteronomy 8:18 reminds us that it is God who gives the power to get wealth, not ourselves.What resources would you recommend for those who want to trust God more in their finances during times of economic uncertainty? Compass has partnered with YouVersion to provide a series of short, topical Reading Plans to help you learn, apply, and multiply what the Bible says about money and possessions.On Today's Program, Rob Answers Listener Questions:Because of the devaluation of the dollar with the BRICS situation right now and the implications that may have for our 401(k) accounts, what can I invest in or look at to protect us from losing our money? Should we invest in gold or other things so that we don't lose anything?What resources can you point me towards if I'd like to lead a small group at my church on the subject of managing finances God's way?What are the differences between a TSP and a Roth IRA? Are there differences in how you can use the money or when you can take it out?My husband recently passed away and he was always a very good steward of our finances. I don't have a house payment or any other bills, but I have a very large sum of money that has come to me after his death. Everything else we had prior to his death has been invested and I don't know if I should be investing in annuities or take that money and split it up. What should I do with it?Resources Mentioned:Building Your Finances God's Way: A Financial Discipleship Study (Compass)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD, CFP®Find a Certified Kingdom AdvisorFaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Miriam Neff back on the program. She's the founder and president of Widow Connection, a ministry dedicated to helping women overcome and thrive after the loss of a husband. She's also co-author, with her daughter Valerie Neff Hogan, of Wise Women Managing Money.  THE IMPORTANCE OF WOMEN UNDERSTANDING FINANCESMiriam Neff discusses the importance of women, including widows and single moms, understanding and managing finances. She emphasizes that women manage over 51% of wealth in the U.S., and this number is growing.Every woman should understand finances, regardless of their marital status.It's crucial to acknowledge that all possessions are God's and manage them accordingly.Knowing the 'why' behind financial management is essential as it aligns with God's purpose. EIGHT HABITS OF WISE WOMEN MANAGING MONEYMiriam Neff outlines eight habits for effective money management, particularly for women who may suddenly find themselves in charge of household finances.1. ACKNOWLEDGE ALL BELONGINGS AS GOD'S: Recognize that everything, including income, housing, and personal belongings, are God's resources.2. TAKE RESPONSIBILITY FOR FINANCES: Emphasize the importance of being aware and responsible for personal finances.3. CREATE A SPENDING PLAN BASED ON INCOME AND VALUES: Develop a budget that reflects income and aligns with personal and spiritual values.4. CONSIDER THE HEART'S ATTITUDE TOWARDS MONEY: Reflect on personal attitudes and priorities regarding money to ensure they align with biblical teachings.5. AVOID EXCUSES IN FINANCIAL MANAGEMENT: Resist justifying poor financial decisions and take personal responsibility for money management.6. TAKE PERSONAL RESPONSIBILITY: Acknowledge personal control over financial decisions and resist blaming circumstances or others.7. REGULARLY REVIEW AND ADJUST FINANCIAL PLANS: Continuously reassess and adapt financial plans to accommodate changes such as inflation.8. INVEST IN KINGDOM PURPOSES: Encourage investing in projects that have eternal value and contribute to God's work.Miriam stresses the importance of these habits not only for financial stability but also for aligning your financial decisions with your faith and values. STICKING TO THESE HABITS: RemindersAccountability partnerAvoid giving detailed information ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I own some collectible coins for over 20 years, including slab coins and rare pennies; when is a good time to sell these, and do they fluctuate like the equities market?I've retired and have a rollover IRA worth $119,000 and a Roth IRA worth $11,000; should I consider withdrawing from my IRA to pay off a $40,000 roof replacement loan with a 10% interest rate?I bought property a few years ago intending to give it to my son, who built and sold a house on it this year; how can I manage the capital gains tax since the property was still in my name at the time of sale? Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.   Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The financial principles found in scripture are true for everyone, and yet men and women have different perspectives on money. So how do wise women manage the resources God entrusts to them? On today's Faith & Finance Live, host Rob West will welcome Miriam Neff to share 8 habits of wise women managing money. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

​How has God used unexpected or unwanted events in your life? Our correspondent to unwanted change, Miriam Neff returns to talk about God’s mysterious ways. You see this in the lives of people in scripture—people who were following God and still faced storms and shipwreck! What have those unwanted experiences done in your life? Don’t miss the encouragement on Chris Fabry Live. Care Net Mentioned on air: October 5 Chicago EventSee omnystudio.com/listener for privacy information.

Resilience. We’ve been hearing stories about the power of resilience on Chris Fabry Live. We began the week with a son who was abused by his father and a former Prisoner of War in Vietnam who learned resilience after years of captivity. Wednesday, Miriam Neff talks about a recent reunion and the power of resilience she saw on display. Join us with your resilience story on Chris Fabry Live.

Life transitions can often throw women into unexpected crises when it comes to money. Join us this week on Missions Today as we are joined by a mother-daughter team who have created resources to help these women in need. Whether you are widowed, divorced or single, these ladies offer wisdom and hope for not only handling money well, but growing it for the future. That's this weekend on Missions Today!  For more information on our guests this week and their work, please check out the links below: Miriam Neff Valerie Neff Hogan Wise Women Managing Money Widow Connection  #widow #finances #faith #money #moneymanagement #singlewomen #divorce #financialhelp #biblical #investing #saving #trauma #death

Today, on Karl and Crew Mornings, it was day two of the National Religious Broadcasters Convention (NRB) in Orlando, Florida. Thanks to MorningStar Mission, we were able to broadcast live from the event, which continues through this Thursday. Karl and Jonathan (Young Thunder) talked with several guests including Dave & Ann Wilson (authors & hosts of Family Life Today), Grace Fox (author & speaker) , Laine Lawson Craft (author & speaker), Trillia Newbeck (author & radio host), Steve Arterburn (author, speaker, & radio host), Dr. Jonathan Griffith (author & radio Bible teacher), Rita El-Mounayer (CEO of SAT-7 & Lebanon native), Miriam Neff & Valerie Neff Hogan (founder of Widow Connections, author, & speaker), Barry Meguiar (businessman, author, & speaker), and June Hart (founder of Hope for the Heart, author, & singer). Check out our Facebook and Instagram pages for pictures! Hear the highlights of these interviews on today's Karl and Crew Showcast. See omnystudio.com/listener for privacy information.

​She’s our correspondent to the unwanted changes of life. Author and speaker Miriam Neff returns to talk about encountering God in her travels. Away from the routines of life, God got Miriam’s attention in ways she could never have imagined. Has that happened to you in any of your travels? Don’t miss the conversation on Chris Fabry Live.

If you are over 50, we have a question for you. What is the temptation you have as you get older? Is it any different than when you were in your 20s, 30s or 40s? We’ll welcome back our Correspondent to Unwanted Change and Vintage Living, Miriam Neff. She says she’s a bit surprised at some of the temptations that have come up in this stage of her life. Let’s talk about it on Chris Fabry Live. Wycliffe

How confident are you when it comes to handling finances? I'm excited to bring you Part 2 this week of How Wise Women Find Financial Freedom. The fabulous mother-daughter team of Miriam Neff and Valerie Neff Hogan co-wrote Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting & More. These ladies teach us how wise women find financial freedom. Last week we heard Miriam's perspective and advice and this week we'll hear Valerie's! I know what Valerie shares this week will encourage, inspire, and challenge you, so listen in while I have a chat with Valerie Neff Hogan. Fierce Calling is on the Spark Network, which can be found on the Edifi App! Fierce Calling is one of many Christian podcasts available on the Edifi app. To listen to this podcast and other amazing Christian podcasts, go to the Apple or Google Play stores and download the app today! You can also find amazing Christian podcasts on Access More! Favorite Quotes from How Wise Women Find Financial Freedom Pt. 2 "Godly contentment is the friend of the budget.""If you don't like the word budget, let's call it a spending plan.""Lord, all of this belongs to you--what would you like me to do with your stuff?" --Valerie Neff Hogan Connect with Valerie and find out more about how wise women find financial freedom! You can connect with Valerie at widowconnection.com or wisewomenmanagingmoney.com and grab the fantastic book Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting & More! Wise Women Managing Money by Miriam & Valerie! Valerie Neff Hogan Valerie Neff Hogan holds a law degree and is a Certified Financial Planner. She works with National Christian Foundation, Orchard Ministry Development, and Widow Connection. Since 2000 Valerie has served in churches leading groups and individuals toward good stewardship with Christian Financial Concepts, Crown Financial, and Financial Peace University. She loves to assist people overcome financial obstacles to experience more freedom, be more generous, and do more ministry. She is married and has three children. Connect with Doris! I'd love to hear how Fierce Calling has blessed you! Leave me a message on my contact page at dorisswift.com. Scroll down and grab my free resources, and when you do, you will also receive my free monthly newsletter with more encouragement! Love Fierce Calling? By following, rating, and leaving a review over at Podchaser, Apple Podcasts, or wherever you listen to podcasts you can help others discover the show too! Do You Need a Speaker for Your Next Women's Event? Check out my speaking page, grab my flyer, and let's talk about me speaking at your next women's event... I love speaking God's truth into the lives of women! Free Gifts for You... Grab one of my free downloads by scrolling down to the bottom of the page! Love & God's Perfect Peace to You!

Are you proactive or reactive when it comes to finances? What are the most common budget busters? The good news is we can all become debt free and experience financial freedom. I'm excited to bring the mother-daughter team of Miriam Neff and Valerie Neff Hogan to Fierce Calling. They co-wrote Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting & More. These ladies teach us how wise women find financial freedom. Miriam is my part 1 episode, and Valerie is part 2 next week! I know what Miriam shares this week will encourage, inspire, and challenge you, so listen in while I have a chat with Miriam Neff. Fierce Calling is on the Spark Network, which can be found on the Edifi App! Fierce Calling is one of many Christian podcasts available on the Edifi app. To listen to this podcast and other amazing Christian podcasts, go to the Apple or Google Play stores and download the app today! You can also find amazing Christian podcasts on Access More! Favorite Quotes from How Wise Women Find Financial Freedom Pt. 1 "Know it, own it, like it, or change it.""When it's hard--which sometimes it is--remember it's God's direction, and that's our motivation.""God rewards us in just those simple steps of obedience.""You're a Matthew 25 steward.""The point is, our wisdom comes from God." --Miriam Neff Connect with Miriam and find out more about how wise women find financial freedom! You can connect with Miriam at widowconnection.com or wisewomenmanagingmoney.com and grab their fantastic book Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting & More! Wise Women Managing Money by Miriam & Valerie! Miriam Neff Miriam Neff is the Founder and President of Widow Connection and is the author of 11 books. She speaks nationally and internationally on women's and widow's issues, navigating unwanted life changes. She has 23 years of professional counseling experience and is the widow of Robert Neff, the mother of four children, and a grandmother. Connect with Doris! I'd love to hear how Fierce Calling has blessed you! Leave me a message on my contact page at dorisswift.com. Scroll down and grab my free resources, and when you do, you will also receive my free monthly newsletter with more encouragement! Love Fierce Calling? By following, rating, and leaving a review over at Podchaser, Apple Podcasts, or wherever you listen to podcasts you can help others discover the show too! Do You Need a Speaker for Your Next Women's Event? Check out my speaking page, grab my flyer, and let's talk about me speaking at your next women's event... I love speaking God's truth into the lives of women! Free Gifts for You... Grab one of my free downloads by scrolling down to the bottom of the page! Love & God's Perfect Peace to You!

Earlier this week, we shared part one of this conversation, all about how to manage your money wisely. And I really feel like it's the perfect way to wrap this last month's focus on Discernment… because when we make wise choices on how we save, spend, invest, and share our money with others, our life changes in a positive way.  Now, if you haven't heard part one, go back and listen to that one first. But if you're ready to continue on, let's pick back up here with my conversation with Miriam Neff and Valerie Neff Hogan as they simplify how to manage your money wisely. Here's how.  My special guests today are Miriam Neff and Valerie Neff Hogan and they are simplifying how to manage your money wisely. We tackle and simplify all aspects of it, including: What the first few steps are to course-correct if you're in debt and how to understand your current money situation better How to wisely manage your money, including best practices with housing, managing debt, insurance and discretionary expenses like clothes, food and entertainment  Why they think we humans are so obsessed with collecting and buying unnecessary stuff Which things to look for when choosing a financial advisor to run alongside you that has your best interests at heart Why it's so important to have a living will, regardless of how old you are - how to get one sorted …and ultimately, what role giving and generosity plays in managing your money wisely. You can do it, I believe in you… it's time to simplify! Q: Are you ready to learn how to manage your money wisely? If yes, this one is for you. It's time to #DoTheThing  ---- Show notes available with all links mentioned here: https://thesimplifiers.com/podcast/miriam-neff-valerie-neff-hogan-how-to-manage-your-money-wisely-part-two

​It’s more than option. It gives life. Next time on Chris Fabry Live, our correspondent to unwanted change, Miriam Neff, will join us with a personal story about the power of adoption. Then, we’ll hear your experience as either the recipient of a child through adoption or the choice to place your own son or daughter. Don’t miss the encouragement on Chris Fabry Live.

Do you feel like you know how to manage your money wisely? On a scale of 1-10, how confident are you in this department? For me, I feel like there's always more to learn as we save, spend, invest and share the money I make in life, especially when I think about one day sending my kids off to college and if my retirement strategy is really as strong as it could be. My special guests today are mother and daughter duo, Miriam Neff and Valerie Neff Hogan and they are simplifying how to manage your money wisely. With inflation on the rise, it's no wonder many feel like they are living paycheck to paycheck these days, not sure how to stretch their budget any further, much less save for the future. In their eyes, more women than ever before have control of capital and are making the overarching financial decisions for their households. Yet, not every woman has command of the lingo, the underlying principles, or the big-picture perspective of money management. Framed by their Christian values, they are here to provide the financial overview you need to make wise decisions in this realm. Here's how.  My special guests today are Miriam Neff and Valerie Neff Hogan and they are simplifying how to manage your money wisely. We tackle and simplify all aspects of it, including: What the first few steps are to course-correct if you're in debt and how to understand your current money situation better How to wisely manage your money, including best practices with housing, managing debt, insurance and discretionary expenses like clothes, food and entertainment  Why they think we humans are so obsessed with collecting and buying unnecessary stuff Which things to look for when choosing a financial advisor to run alongside you that has your best interests at heart Why it's so important to have a living will, regardless of how old you are - how to get one sorted …and ultimately, what role giving and generosity plays in managing your money wisely. You can do it, I believe in you… it's time to simplify! Q: Are you ready to learn how to manage your money wisely? If yes, this one is for you. It's time to #DoTheThing  ---- Show notes available with all links mentioned here:https://thesimplifiers.com/podcast/miriam-neff-valerie-neff-hogan-how-to-manage-your-money-wisely-part-one

Watch Real Christian Families from Parent Compass TV To support this ministry financially, visit: https://www.lightsource.com/donate/1494/29

We know God has given us all something to steward and when we grow it, we can do more. - Miriam Neff Valerie Neff Hogan are Wise Women Managing MoneyWriter of many counseling books, why does Miriam Neff feel this is the most important book she has written? How do we grow money? Should we talk about money? Christ did. We are stewards of God's money.Miriam Neff and daughter Valerie Hogan, an attorney and certified financial planner, talk through the best ways to handle money.For shows subscribe at ParentCompass.tv/subscribeMore women than ever have control of capital and are making financial decisions. Yet not every woman has command of the lingo, the underlying principles, or the big-picture perspective of money management.This mother-daughter team come alongside and provide the financial overview needed. Miriam, the mother in the duo, has enough real-world experience to give her a vintage outlook on life. As a long-time counselor, she understands human needs. And as a widow, she knows what it means to be thrust unexpectedly into money matters. Valerie, the daughter, is an attorney, certified financial planner, and an expert in Christian philanthropy. Together, Miriam and Valerie combine their skillsets to answer pressing questions about things like: credit cards, managing debt, insurance, loans and contracts, budget busters, avoiding fraud, picking a financial advisor, IRA's, annuities, Roths, kingdom giving, and much more!Whether you're newly involved in money management due to a career or life transition, or you just want to be more knowledgeable about this important part of life, Wise Women Managing Money teaches the ropes in language anyone can understand. Don't let all the business jargon or technical terms intimidate. Take control of your financial future and start managing your money in ways that honor God and allow you to do good with the resources He provides.To support this ministry financially, visit: https://www.lightsource.com/donate/1494/29 To support this ministry financially, visit: https://www.oneplace.com/donate/1493/29

Expert Advice On Debt, Wealth, Budgeting More Miriam Neff and daughter Valerie Hogan, an attorney and certified financial planner, talk through the best ways to handle money. (Subscribe at parentcompass.tv/subscribe for shows and more.) More women than ever have control of capital and are making financial decisions. Yet not every woman has command of the lingo, the underlying principles, or the big-picture perspective of money management. This mother-daughter team come alongside and provide the financial overview needed. Miriam, the mother in the duo, has enough real-world experience to give her a vintage outlook on life. As a long-time counselor, she understands human needs. And as a widow, she knows what it means to be thrust unexpectedly into money matters. Valerie, the daughter, is an attorney, certified financial planner, and an expert in Christian philanthropy. Together, Miriam and Valerie combine their skillsets to answer pressing questions about things like: credit cards, managing debt, insurance, loans and contracts, budget busters, avoiding fraud, picking a financial advisor, IRA's, annuities, Roths, kingdom giving, and much more! Whether you're newly involved in money management due to a career or life transition, or you just want to be more knowledgeable about this important part of life, Wise Women Managing Money teaches the ropes in language anyone can understand. Don't let all the business jargon or technical terms intimidate. Take control of your financial future and start managing your money in ways that honor God and allow you to do good with the resources He provides. To support this ministry financially, visit: https://www.lightsource.com/donate/1494/29 To support this ministry financially, visit: https://www.oneplace.com/donate/1493/29

Watch Real Christian Families from Parent Compass TV To support this ministry financially, visit: https://www.lightsource.com/donate/1494/29

Mis-managing money can cause stress, lower self-esteem, and can become a point of conflict in relationships. But as followers of Christ, we know that God provides for us and sees to our every need - so how do we steward our finances wisely so that we don't worry about money?  This week, our host Helen Todd talks with Miriam Neff to discuss money from the Biblical perspective. Miriam is the co-author of “Wise Women Managing Money”, which helps readers “take control of their financial future and start managing money in ways that honor God and allow them to do good with the resources he provides”.  In this conversation, you hear about God's provision, what it means to live generously, and practical ways to manage money wisely. Find Miriam's book, “Wise Women Managing Money” on Amazon:https://www.amazon.com/Wise-Women-Managing-Money-Budgeting/dp/B0B4BJ2PW65:30 - God provides what we need, when we need it13:40 - What does it mean to be generous towards God?20:20 - “Budget Busters” - these problems will bust your budget23:00 - How to budget26:00 - What if a couple doesn't agree on how to manage money? If you would like to learn more about the World Mission Alliance or register for the upcoming conference, visit rfwma.org or email us at podcast@rfwma.org. After you listen to this episode, go to our host website: www.rfwma.org and find out how World Missions Alliance can help you connect to your greater purpose. If you are interested in becoming a sponsor of the Limitless Spirit Podcast, click below:Support the show (https://rfwma.org/give)            Email us your questions and comments at podcast@rfwma.orgWMA is 501(c)(3), donations are tax deductibleSupport the show

Those wise women who want to help you manage your money are back! Mother/daughter duo Miriam Neff and Valerie Neff Hogan will answer more of your questions and provide practical money management principles. How do you come up with a spending plan? What do you do with an out of control credit card? For widows, how do you spot fraud? We’ll talk about these topics and more on Chris Fabry Live.

More women than ever have control of capital and are making financial decisions. Whether you're newly involved in money management due to a career or life transition, or you just want to be more knowledgeable about this important part of life, The book, Wise Women Managing Money will teach you the ropes in language anyone can understand. On Monday's Mornings with Eric and Brigitte, co-author and counselor, Miriam Neff, joins us to talk about how to take control of your financial future and start managing your money in ways that honor God and allow you to do good with the resources He provides. See omnystudio.com/listener for privacy information.

Miriam Neff and Valerie Neff Hogan join Mary to discuss our upcoming seminar on Wise Women Managing Money. Click here to learn more about the June 4 seminar.  

It doesn't matter who you are or how old you are, money can be a challenge. On Walking Worthy, Mary Lowman, Miriam Neff, and Valerie Neff Hogan discuss the book Wise Women Managing Money and a seminar on Wise Women Managing Money. They also discuss: Why all women need to be better stewards of their money. That 50% of women in the United States are single and needing to manage money. What culture says about money and what the bible says about money. That money issues are a symptom of a heart issue. The importance of training children in this area. How to save money, even with rising inflation.  

​If you want to be a wise woman who manages her money well, don’t miss Chris Fabry Live. The mother/daughter team of Miriam Neff and Valerie Hogan are back to provide practical money management principles. How do you come up with a spending plan? What do you do with an out of control credit card? Insurance, financial fraud, charitable giving—we’ll talk about all of that and more on Chris Fabry Live.

Do you feel confident when it comes to managing and investing money? Mother-daughter team Miriam Neff and Valerie Neff Hogan have teamed up to come alongside women that may be feeling “less” than confident with wise financial principles and money management tools that will enable you to increase that confidence level and take control of your financial future! Listen as Miriam Neff provides practical steps to take as you seek to gain wisdom in the area of your financial health! See omnystudio.com/listener for privacy information.

Women today control more than 50% of the wealth in America. They want to steward their resources well, but many feel a lack of confidence in the area of money management. On this edition of Building Relationships with Dr. Gary Chapman, mother and daughter Miriam Neff and Valerie Hogan team up to help empower women. Featured resource: Wise Women Managing Money by Miriam Neff and Valerie Hogan See omnystudio.com/listener for privacy information.

On Headlines and Punchlines we take a humorous look at news and life with friend and colleague Patrick Albanese. Bill and Rosey Brausen welcome special guest Miriam Neff to the Monday Afternoon Mix. They have a rich discussion on women and their finances through her book, Wise Women Managing Money.

On Headlines and Punchlines we take a humorous look at news and life with friend and colleague Patrick Albanese. Then Pastor David Myles  Bill and Rosey Brausen welcome special guest Miriam Neff to the Monday Afternoon Mix, for a discussion on widowhood.

If you are a woman who is afraid of money management, this book has your name on it. Written by Miriam Neff and her daughter, Valerie Neff Hogan, Wise Women Managing Money can teach you how to develop a budget, learn the technical terms of finances, and learn the joy of investing. Most importantly, you will feel empowered to handle your money in everyday life and in emergency situations. Get the book HERE. Miriam Neff is the founder and president of Widow Connection and has authored 11 books. She is a counselor, Bible study leader, and conference speaker.  Miriam's late husband, Bob, was the former vice president of Moody Broadcasting network.  See omnystudio.com/listener for privacy information.

This week on Faith on the Journey, we are talking about losing a loved one, specifically your spouse. There is something unique when working through this kind of grief. Miriam Neff is sharing about her own experience and how she helps widows all over the world. Miriam is the Founder and President of Widow Connection, a not for profit ministry. Author of 11 books, counselor by profession, mother and grandmother. She speaks nationally and internationally on navigating unwanted life change and widow's issues. The content shared during the Faith on the Journey broadcast is for informational and educational purposes only and is not intended to treat or diagnose any mental health condition. Due to the content of this broadcast, some of the content can be triggering. If triggered, please seek professional support. Viewer discretion is advised. Subscribe/Rate Never miss an episode by hitting the subscribe button RIGHT NOW! Help other people find our community by taking a few moments to leave a review in your podcasting app. Thanks! Connect with Faith on the Journey Subscribe to our email list at faithonthejourney.org Instagram: @faithonthejourneycounseling Facebook: @faithonthejourney Youtube: Faith on the Journey. Click https://www.youtube.com/channel/UCLbmB8oL-hfU6bVW9kEIcFQ to subscribe. Connect with Miriam Neff Facebook: https://www.facebook.com/Widow-Connection-Inc-92382697860 Website: widowconnection.com Faith on the Journey is a Christian company that specializes in bible-based trauma healing resources. We offer Christian counseling and healing groups. Learn more by visiting faithonthejourney.org. The music for this show is provided by Bensound.com. Host: Jocelyn J. Jones Produced by: Hannah Lynn Miller Guest: Miriam Neff Editor: Taylor Schroll http://taylorschroll.com/editing --- Support this podcast: https://anchor.fm/jocelyn-jones8/support

Have you endured tragedy or trauma? Are you struggling to have hope for great things in this new year? Today's guest Miriam Neff has walked through her own challenging journey of loss and comes to us to offer the vantage point of her perspective through the belief in new beginnings. As we begin this new year, we must dig a little deeper than new year's resolutions to lose weight, walk more, work harder, or dream bigger. Today we will discover that healing can begin in our lives and God's plan can be fulfilled, even in the depths of tragedy's shadow. ________________________________________________________________________________________Miriam Neff is the founder and president of Widow Connection, a not for profit ministry. Author of 11 books, counselor by profession, mother and grandmother, she speaks nationally and internationally on navigating unwanted life change and widow's issues. She is the creator of New Beginnings and $tarting Over Financially, one-minute features heard on many media outlets and is a frequent radio guest on Moody Broadcasting and other networks. Miriam sponsors sewing and bakery training for widows in Africa and Albania. She and her daughter Valerie Neff Hogan have written Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More. [Available on Amazon |  March 2022] To contact Miriam for your free copy of today's featured book, click here and mention Let's Talk with Sanctuary in your message.________________________________________________________________________________________Learn more about Sanctuary Let's Retreats here.Ready to connect? So are we! Learn more here.

​The last time our correspondent to unwanted change was on Chris Fabry Live, she revealed a shocking detail about her childhood. Author and speaker Miriam Neff told us about a mother-wound she experienced when she was young. How did she find healing from it and how has God filled that gap in her life? Don’t miss the real-life conversation on Chris Fabry Live.

What was the most encouraging thing someone ever said to you? We want you to answer that question on Chris Fabry Live. Our correspondent to unwanted change, Miriam Neff will join us. She says encouraging words are so simple, so relational, so easy to give—and yet we often hold back. Receive encouragement to encourage someone else—it just might make a difference in their life and yours. Hear it on Chris Fabry Live.

Miriam Neff, Founder of Widow Connection shares her personal story and how God comforts those going through painful situations in their lives.

When your plan A for life is derailed (by death, divorce, dead-ends or dashed dreams) – what next? How do you look for new beginnings when you are reeling from painful endings? This conversation is a good place to start as Kim is joined by Miriam Neff, counselor and author of Where Do I Go From Here. Mariam has wisdom for moving past “what might have been” to imagine “what is still to come.” Kim Wier is a speaker, radio talk show host, Bible teacher, and author of the book, The Art of Friendship and other titles.    The Art of Friendship Podcast is part of Hope On Demand!

http://widowconnection.com/wise-women-managing-money/ Miriam Neff from Widow Connection and her daughter Valerie an attorney CFP with their new video series Wise Women Managing Money

Today, on Karl and Crew Mornings, we continued our theme: Ladies' Week, as we look ahead to Mother's Day this coming weekend.  We discussed parenting adult children and the season of grandparenting.  Our guests were Sputnik's mom, Dana Pflederer, a nurse and mother of 4; and, Miriam Neff.  Miriam is the founder of Widow Connection, an author, and speaker.  Her books are available through Moody Publishers.  Today is also the National Day of Prayer, and we prayed through the Book of James.  Dr. Hutz Hertzberg (president of Christian Heritage Academy) is one of the featured speakers at the 2021 Chicago Prayer Breakfast on this National Day of Prayer.  Finally, check out the Karl and Crew Showcast to hear some of the best moments from today's show. See omnystudio.com/listener for privacy information.

How do you live boldly after unwanted change? Many of us have been contemplating this very question for a while now. When the things you love the most are stripped away from you and you're left in a pile, attempting to pick up the pieces… what's the first step? My special guest today is author Miriam Neff and she's simplifying how to live boldly after unwanted change. Let's face it… if you're listening to this episode, it's likely that you're grappling with a big upheaval in your life and trying to sort out what path to take next, right? The outlook might seem a bit murky or the tasks may seem endless, but don't give up… there's hope and the way out (or rather, through it) is simpler than you think. Here's how.  My special guest today is Miriam Neff and she's simplifying how to live boldly after unwanted change. We tackle and simplify all aspects of it, including: When big, unwanted change smacks you across the face… what people typically do as their first reaction that is the WRONG thing to do Why it's so tempting to fill the void after losing something (or someone) important in your life - what to do instead She believes that “forgiveness not just recommended but required” when we experience brokenness in our lives - here's why How to cultivate more boldness in your work and life after a big, unwanted change Where to begin when creating a new vision for where you're headed next, especially when it's so hard to let go of the past …and ultimately, what the first step is when financially recovering from this unwanted change. This entire year has been a nosedive into studying change for me. As many of you know, I'm writing a book all about change… how to navigate it and simplify it. So when Miriam's book came across my desk, it took my breath away.  Her wisdom, her grace, her poise through the unexpected passing of her husband Bob… all of it was incredibly inspiring and brought me hope as well. May her spirit and her story ripple out and inspire your life path this week, as well. Q: Are you ready to live boldly after unwanted change? If yes, this one is for you. It's time to #DoTheThing! Show notes available with all LINKS mentioned here: https://thesimplifiers.com/podcast/miriam-neff-live-boldly-after-change

Season 2 of The Intersection launches with a series called LIFE & BREATH, exploring advocacy and ministry to humanity at the margins. For episode 1 join Pastors Eric Targe and Justin May as they talk with Mariam Neff, the founder of Widow Connection about common misconceptions and actually helpful approaches for ministering to and caring for widows. If you enjoyed this video, subscribe and leave us a like! If you would like to learn more about Miriam Neff's ministry, Widow Connection, please go to: https://widowconnection.com/ _________________________________________ For more on The Intersection at The Moody Church go to: https://www.moodychurch.org/intersection If you'd like more information about our college ministry, led by Pastor Eric , please visit: https://www.moodychurch.org/crossroads OR for more about our High School ministry, led by Pastor Justin, please visit: https://www.moodychurch.org/revolution