Podcast appearances and mentions of ron blue

Missionary Amy Carmichael once expressed a powerful truth: “You can give without loving, but you cannot love without giving.”That quote reminds us that generosity isn't just something we do—it reflects who we are in Christ. So, how do we grow into more joyful, intentional givers? Today, we'll talk with Ron Blue about what he calls “living giving”— and how that mindset can bring real financial freedom.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.Giving Is a Spiritual DecisionGiving reflects our trust in God. When we give—and give first—we're saying, “Lord, You gave this to me, and I'm returning to You what's already Yours. I trust You to meet my needs.”It's a profound shift in perspective. Instead of centering our financial lives on ourselves, giving reorients our hearts toward God's purposes. It stretches our faith and loosens money's grip on our hearts. It doesn't shrink your life—it expands it.Ron Blue classically says, “Do your giving while you're living so you're knowing where it's going.” That's more than a catchy phrase. It's a philosophy rooted in joy. Too many people wait until death to make significant gifts, missing the delight of seeing God work through their generosity in real time.There's something deeply joyful about watching God use what you've given. It's not just about writing a will—it's about living with open hands.True Financial Freedom Starts With Open HandsThink of your money like a closed fist or an open hand. When your fist is closed, you're trying to control or keep what you think is yours. But when you open your hand, you're saying to God, “This is Yours. Use it as You will.”That's what true financial freedom looks like—not merely having enough, but being free from money's control altogether. God doesn't need our money, He wants our hearts. And He knows that money is one of the greatest competitors for our love.As you reflect on your own financial life, maybe it's time to stop asking, “How much do I have to give?” And start asking, “How can I use what I've been given to glorify God—right now?”You can find Ron's book Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment wherever books are sold.On Today's Program, Rob Answers Listener Questions:I use a donor-advised fund for charitable contributions and would like to contribute to a mission trip that my church is organizing. I'm wondering if it's legal from an IRS standpoint to contribute directly to an individual going on a mission trip, or do I give it to the mission fund?I'm paying off a credit card after my mom's death, which costs me $320 a month. I have two options: continue with my current plan or have my wife assist me in paying it off. I wanted to get advice on which approach would be the best to help pay it off.I sell items on eBay, and I'm confused about my tax reporting. When preparing my 2024 taxes, eBay flagged me about my 1099-K, stating that I didn't make enough to require the form. Do I need to add this to my Social Security? As I look online, I've just gotten more confused about different reporting requirements.I'm taking an early retirement, and I understand that I can only earn $24,300 before it impacts my Social Security. It looks like I'm going to go over that amount by just a bit. Do they tax anything over the $24,300, or do they tax the whole amount?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Missionary Amy Carmichael once expressed a powerful truth: “You can give without loving, but you cannot love without giving.” That quote reminds us that generosity isn’t just something we do—it reflects who we are in Christ. So, how do we grow into more joyful, intentional givers? On today's Faith & Finance Live, Rob West will talk to Ron Blue about what he calls “living giving”—and how that mindset can bring real financial freedom. 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.

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

“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - Psalm 82:3–4As followers of Christ, we're called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. ​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at Heart for Lebanon, an underwriter of Faith and Finance.The Crisis Behind the HeadlinesIn a society shaped by shame-and-honor dynamics, without a biblical understanding of human dignity, refugee girls—especially Bedouin and Kurdish—are often seen as burdens or liabilities. Add to that multiple wars, a collapsed economy, and weak legal protections, and the danger becomes tragically clear: girls are exploited because they're seen as expendable.But Heart for Lebanon is stepping in not just to rescue—but to prevent. That may sound counterintuitive until you hear stories like Ferial's—a grandmother who joined a literacy class to model a different future for her granddaughters. After coming to know Christ through Heart for Lebanon, she said, “I can't change what happened to my daughters, but I can change the future for my granddaughters.”Prevention means investing in the whole family unit. It means addressing spiritual, emotional, and physical needs by offering:Christian counseling in their native languageNon-formal education programs that integrate biblical valuesSafe, holistic discipleship environments for moms, dads, and childrenCommunity development rooted in the GospelOne of the most moving examples is Alima, a 10-year-old enrolled in Heart for Lebanon's Hope Education Program. Her mother, under cultural and financial pressure, began pushing Alima to abandon school and enter into marriage. But because of the truth Alima had learned through Heart for Lebanon—truth about Jesus and her God-given worth—she found the courage to push back.Her bold faith not only protected her from child marriage but, through prayer and persistence, led to her mother's salvation as well. This is the ripple effect of prevention-centered ministry.Real Change Through Holistic MinistryThe key to sustainable impact is community transformation. The goal isn't to isolate and remove girls from danger—which can sometimes cause more trauma—but to reshape families and communities from within through Gospel truth. When fathers, uncles, and guardians are discipled alongside mothers and daughters, entire cultural norms begin to shift.That's what Heart for Lebanon is doing every day—breaking cycles of violence and shame with the hope of Jesus.Heart for Lebanon is inviting the Faith & Finance family to join them in this mission. A gift of $114 helps reach and protect three at-risk girls, offering them education, protection, and the Gospel of Jesus Christ.You can give by:Texting “FAITH” to 98656Visiting FaithFi.com/LebanonOur shared goal? To introduce 500 young women and girls to Jesus and prevent the heartbreaking patterns of early marriage, child labor, and violence.On Today's Program, Rob Answers Listener Questions:I want to buy a used tractor for our 15 acres. Can I use the interest from our high-yield savings account to purchase it?My husband and I started generating income later than most of our peers. He did a PhD, and I've been at home with the kids. Now that he has his first job, we have a small savings account but no 401(k) or investments. We want to maximize our investments but aren't sure where to start.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineHeart For LebanonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.”Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. Today, Ron Blue joins us to discuss the Uniqueness Principle and how it can guide parents in passing down wealth effectively.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives.The Uniqueness Principle: Equal Love, Unique TreatmentProbably every parent of more than one child has asked, “How can children coming from the same two parents, with the same gene pool, living in the same environment, with the same stimuli…be so different?” Of course, we all know that estate planning can be challenging, and we understand the desire to be fair. However, the answer lies in what Ron Blue calls the Uniqueness Principle: Love your children equally, but treat them uniquely.If we think about how God treats us, He loves us all equally and treats us uniquely. In other words, God doesn't give everyone the same gifts, challenges, or circumstances—and maybe we shouldn't either when planning our estates.One child may have greater needs, and another may be wiser in handling money. Those realities need to be part of the decision-making process for transferring wealth. Each of my children is different financially, emotionally, and spiritually. Over the years, Ron and his wife, Judy, have allocated varying amounts to each of them, taking into account their individual needs and life circumstances. Good stewardship means recognizing these differences and allocating resources accordingly.Fairness vs. Favoritism: Learning from ScriptureMany parents worry about resentment among their children if they don't divide assets evenly. The best way to handle this is through clear communication. Open and honest conversations while you're alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity.As parents, we need to work diligently to avoid favoritism. Rightfully so, as favoritism has caused much pain and divisiveness in families for thousands of years. Look at the story of Joseph in the Old Testament. The Bible says that his father, Jacob, "loved Joseph more than any of his other sons" (Genesis 37:3). Jacob later gave Joseph a richly ornamented coat of many colors. Although Jacob had unique treatment toward Joseph, Jacob violated the Uniqueness Principle. Jacob did not love his sons equally. Equal love often requires unique treatment. As stewards of God's resources, we are called to manage them wisely, ensuring that our decisions reflect both love and responsibility.The Three Questions That Changed EverythingThat said, we aren't saying that it is better to leave different amounts to children. Instead, following a systematic process is the key to wise decisions. When making wealth transfer plans, Ron encourages parents to ask themselves three key questions:It's helpful to ask yourself three questions:What is the worst (or best) thing that can happen if I transfer wealth to this child?How serious is it? How likely is it to occur? The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that's not the objective of these questions. The goal is to guide you toward a well-thought-out decision.Ultimately, wealth transfer should reflect God's wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered.So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God's wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible.On Today's Program, Rob Answers Listener Questions:How do I restructure my finances since I was terminated from my position and am no longer working?I have $700,000 and want to invest in a variable annuity with a 20% buffer. Is this a good idea?I received correspondence requesting a vote to approve the reorganization and merger of my mutual fund shares into a new account. How do I evaluate what factors to consider when making this vote?How do we balance stewarding our money well and living radically generously?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. On the next Faith & Finance Live, Rob West will welcome Ron Blue to discuss the Uniqueness Principle and how it can guide parents in passing down wealth effectively. 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.

In this March "Marks on the Markets" episode, hosts Richard Cunningham and Luke Roush welcome Kingdom Advisors CEO Rob West to discuss the transformative impact of the recent Kingdom Advisors Annual Conference in Orlando.Key Points:About Kingdom Advisors:Founded in 2003 by Ron Blue and Larry Burkett to help Christians plan and manage finances with biblical principlesServes as the gathering place for the Christian financial industryOffers the Certified Kingdom Advisor (CKA) designation - the only designation for biblically-wise financial advice accepted by most major Wall Street firmsConference grew 40% in past two years to 2,700 attendees, significantly outpacing industry normsIndustry Trends:Financial advice evolving from product-driven to values-driven approachesChristian investors increasingly want their faith reflected in every domain of life, including money decisionsMajor financial firms recognize that connecting with clients at a values level creates better outcomes for everyoneIndustry acceptance of faith-based investing products and communities growing rapidlyMarket Opportunity:Approximately 350,000 client-facing financial planners in the USEstimated 90,000 practicing Christians in the field (26%)Kingdom Advisors currently serves about 4,000 members with 1,700 having earned the CKA designationChristians hold an estimated $20+ trillion in investable assetsNext Generation Focus:250 undergraduate students from 25 universities attended the conferenceEight universities now offer CKA alongside CFP (Certified Financial Planner) programsWith 38% of financial advisors retiring in next decade (average age 55), demand for next-gen advisors is highStudents now graduating ready to enter the industry with faith-aligned perspectives from day oneEvolution of Faith-Based Investing:Moving beyond just "avoiding" certain investments to "embracing" impact investmentsGrowing focus on deploying capital to solve problems and create positive changeIncreased emphasis on engagement through proxy votes and shareholder resolutionsNext generation of inheritors viewing wealth differently, prioritizing impact alongside returnsMarket Commentary:Despite current market volatility and uncertainty, biblical principles of economics and wealth creation provide stabilityReturn to more normalized cost of capital (8-12% interest rates) reflects historical norms after decades of artificially low ratesFaith-driven investors can find peace by anchoring to timeless truths rather than timely market fluctuationsClosing Wisdom:From Ecclesiastes 7:12: "Wisdom is a shelter, as money is a shelter, but the advantage of knowledge is this: wisdom preserves those who have it."True wisdom is not just intellectual mastery or best practices—it's knowing Christ personallyFeatured Guest:Rob West, CEO of Kingdom Advisors and host of the nationally syndicated Faith and Finance radio programResources Mentioned:Kingdom Advisors Annual Conference "Redeeming Money"Certified Kingdom Advisor (CKA) designationFaith and Finance radio program (faithfi.com)

Why don't credit cards ever drown? Because they always have a float to keep them afloat!A little humor to start your day, but in reality, credit card float is no laughing matter—it can quietly put you one step behind financially and even lead to unexpected interest charges. Today, Chad Clark joins us to break down what credit card float is and how you can steer clear of its pitfalls.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.What Is Credit Card Float?Credit card float refers to the period of time between when you make a purchase with your credit card and when you actually pay for it. Since using a credit card means borrowing money, this float period allows you to delay paying for purchases—often up to 55 days—without incurring interest, as long as you pay your statement balance in full by the due date.Let's say you purchase a pair of shoes on January 1st, right at the start of your billing cycle. If your statement closes on January 31st, your payment due date might be around February 25th. This means you have up to 55 days from the date of purchase to pay off the expense without interest.At first glance, credit card float sounds like a great deal—after all, you get to borrow money for free for a certain period. However, there's a hidden risk: you might unknowingly be living one paycheck behind.Here's why:If you pay your credit card statement in full each month, you may actually be using this month's income to pay off last month's expenses. This creates a cycle where you always rely on future income to cover past spending.While this system works as long as you have a steady paycheck, it can become problematic if unexpected expenses arise or your income changes.The Best Way to Avoid Credit Card FloatTo determine whether you're unintentionally riding the float, do this quick check:Add up your current credit card balances.Subtract that amount from your checking account balance.If you don't have enough in checking to cover your full credit card balance immediately, you are riding the float.This means if you lost your income tomorrow, you wouldn't be able to fully pay off what you've already spent.To stay financially secure and avoid relying on the float, follow this key principle:Always have enough money in your checking account to fully pay off your credit card balance at any time—not just the statement balance, but the full balance.That way, when your bill arrives, you can pay it without dipping into savings or waiting for your next paycheck.How the FaithFi App Can HelpMany people don't realize they're caught in the float cycle until it's too late. That's where the FaithFi app comes in.FaithFi's envelope system helps users track their spending and ensure they always have enough money set aside to pay off credit card balances in full. Users can ensure they're never one step behind financially by reconciling credit card envelopes within the app.If you want to stay on top of your spending and break free from the credit card float cycle, check out the FaithFi app at FaithFi.com or download it from your app store today.On Today's Program, Rob Answers Listener Questions:My husband had heart surgery in 2021 and is now bedridden and paralyzed, so I had to quit my job to care for him full-time. I'm $20,000 in debt and trying to get help, but the process is slow. I also had a personal loan that went back up to the original $4,000 balance. What can I do in this situation? I need guidance on how to manage this.I had a 401(k) with a company I worked for about 10 years ago. When the company changed names, I kept my funds in the original 401(k) instead of transferring them. But now I can't find that old account anywhere. I've tried searching and contacting different companies but can't locate it. Do you have any recommendations on how I can find this old 401(k) account?I'm 58 and have a 3-year special catch-up contribution opportunity, during which I can contribute double the normal amount. Should I put all this extra into my 457 plan or split it between the 457 and a Roth account? I don't have much in my Roth currently, so I'm deciding whether to put some in the Roth or just contribute it all to the 457 to get the tax deduction.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsUnclaimedRetirementBenefits.com (The National Registry of Unclaimed Retirement Benefits)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

You want to give generously to your church, but your non-believing spouse objects. What do you do?We occasionally get that question, and it's a situation that must be handled with care. If you or someone you know is in that position, don't miss today's program, as Ron Blue is here with some sage advice.Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”Biblical Principles for Giving in MarriageThere are two key biblical principles to consider when navigating giving disagreements in marriage:Marriage is more important than money. While generosity is an important biblical value, unity in marriage takes precedence. Submission and honor in marriage matter. Ephesians 5:21 reminds us to “submit to one another out of reverence for Christ,” emphasizing mutual respect in financial decisions. Likewise, Matthew 19:6 affirms that a husband and wife “are no longer two, but one flesh. What therefore God has joined together, let not man separate.”Ultimately, financial decisions—including giving—should be made together, with mutual understanding and agreement.Ron's Personal Story: When His Wife Wanted to TitheRon has firsthand experience with this issue. When his wife, Judy, became a Christian, she wanted to tithe. But at the time, Ron was not a believer and giving was the last thing on his mind.Instead of forcing the issue, Judy decided to remain silent about it for two years. However, she lived a transformed life, which was compelling to Ron. Her quiet witness ultimately softened his heart and led him to faith in Christ.This aligns with the biblical wisdom of 1 Peter 3:1-2, which encourages wives to live in such a way that they may win their husbands to Christ “without a word, by the conduct of their wives, when they see your respectful and pure conduct.”Judy's patient, godly approach allowed Ron to come to faith in his own time, and ultimately, they found joy in giving together.Building Unity in Giving as a CoupleOnce Ron became a Christian, he and Judy intentionally set aside time to align their financial goals—including giving. Twice a year, they would take a weekend away to pray, discuss their finances, and determine their giving goals.Ron's perspective on giving is clear:The tithe is a starting point. Giving should go beyond the tithe, as generosity is a way to break the grip of money on our hearts. Giving should be joyful and unified. When spouses give together in agreement, it becomes a source of great joy.As Ron says, “The only way you can break the power of money is to give.”Practical Steps for Couples Navigating Giving DisagreementsIf you and your spouse are struggling to agree on giving, consider these steps:Prioritize your marriage. Remember, God values unity in your relationship more than any specific financial contribution. Listen openly. Take time to truly hear your spouse's concerns and seek to understand their perspective. Share why giving is important to you. Explain what generosity means to you personally and spiritually. Find a giving framework you both can support. This might mean starting small, gradually increasing giving over time, or designating funds for causes you both agree on.At the end of the day, God doesn't need our money—He wants our hearts. And He wants our marriages to reflect His love and unity. If you and your spouse are wrestling with this issue, focus first on fostering understanding and alignment. When you give together with a joyful heart, the blessing is even greater.If you'd like to read more on this topic, Ron Blue's full article on this subject is featured in our new quarterly publication, Faithful Steward. To receive it in your mailbox every quarter, become a FaithFi Partner at $35 a month or $400 annually at FaithFi.com/give.On Today's Program, Rob Answers Listener Questions:My husband's business distributing for a bread company has fallen apart. He was forced to resign, and they slandered his name. We only have $300 left and had a small business loan. What should we do?I received a letter in the mail stating that my student loans were put on some kind of permanent disability that I had never applied for. The letter mentioned being affiliated with a teacher, but I'm not a teacher. I don't know if this is a scam or if it's legitimate. What should I do?I'm calling to learn how to help my 20-year-old granddaughter start building credit. She needs to get a credit card and establish a credit history to buy a car in the fall. She works full-time but doesn't have any credit history yet. What's the best way for her to start building credit?I'm 55 years old and plan to retire in about 10 years. I recently filed an insurance claim for roof damage from a hurricane, but the claim was denied. Should I use the money in a money market account to replace the roof, or should I get an equity loan from the bank to pay for it?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationBankrate | NerdWalletAnnualCreditReport.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.

You want to give generously to your church, but your non-believing spouse objects. What should you do? If you or someone you know is in that position, don’t miss today's Faith & Finance Live, when Ron Blue will join Rob West with some sage advice about how to handle that type of situation with care. Then Rob will answer your questions on various 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.

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss.It's true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other's values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, as well as a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself with her husband, Jeff, and has written several books with him revealing impactful truths about relationships at home and in the workplace.A Lesson Learned Over DinnerShaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal.It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could better communicate and honor each other's perspectives.The Root of Money Conflicts in MarriageFinancial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff's national study, they found that:67% of couples in financial conflicts believe their perspective is the logical one.Couples often perceive their spouse's spending habits as irrational simply because they prioritize different things.For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values.The Power of CommunicationThe solution to money conflicts isn't just budgeting or financial planning; it's communication. It's crucial that couples discuss not just what they want to spend money on, but why it matters to them.By having open and honest conversations about financial priorities, couples can:Build mutual understanding and trust.Find compromises that respect both perspectives.Create a financial plan that aligns with their shared goals and values.While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management.Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage.At the heart of every financial decision in marriage lies an opportunity—to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other's values, couples can turn money from a source of conflict into an instrument of peace and purpose.Faithful Steward: FaithFi's New Quarterly PublicationTo dive deeper into this topic, read Shaunti Feldhahn's full article in the first edition of Faithful Steward, FaithFi's new quarterly publication. Receive your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or an annual contribution of $400. Learn more at FaithFi.com/give.On Today's Program, Rob Answers Listener Questions:I'm 65 years old and have a traditional IRA with a little over $1 million. I'm wondering if I should start converting some of that traditional IRA to a Roth IRA since I'll be required to take required minimum distributions (RMDs) when I turn 73.My husband is not a believer and doesn't believe in tithing; he thinks it's a scam. I tithe 10% and save 10%, but he won't give any of his money to the church. How can I help him understand that giving to the church is not a scam and can be a blessing?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationThriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael 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.

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children…” But while the Bible emphasizes the importance of leaving an inheritance, it doesn't provide a step-by-step guide. That's where careful planning and biblical wisdom come into play. Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs.The Common Approach: Equal DivisionOne of the most common phrases in wills is, “My estate will be divided equally among my children.” This approach seems fair and straightforward, especially when the estate consists entirely of financial assets. However, complications arise when property, such as a home or vacation property, is included.When real estate is left to multiple heirs, they face tough decisions:Joint ownership: Should they retain the property together, splitting the responsibilities and costs?Sell and split proceeds: Should they sell the property and divide the cash?Buy out: Should one or more heirs buy out the others to take full ownership?These decisions can quickly lead to financial and emotional challenges without clear guidance.The Hidden Challenges of Inheriting PropertyLeaving property to multiple heirs often creates unexpected burdens, both financial and emotional.Properties come with ongoing expenses, including:Maintenance costsProperty taxesInsurance premiumsHomeowners association feesWho makes decisions about upkeep? How are expenses divided? And what happens if one heir can't—or won't—pay their share? These issues can turn a blessing into a burden.Emotions can also complicate property decisions, especially when tied to childhood memories. Disagreements over minor details—like paint colors or furniture placement—can spiral into larger conflicts. Long-buried resentments may resurface, particularly if one sibling is named executor and perceived as having undue authority.Practical Solutions to Prevent ConflictTo avoid these challenges, consider these strategies:Treat Property Like Any Other AssetMany estate experts recommend stipulating in your will that all property is to be sold, with proceeds divided among heirs. This approach provides clarity and avoids forcing heirs into joint ownership.Allow for FlexibilitySome heirs may wish to “buy out” the others to retain the property. By structuring your will thoughtfully, you can provide this option while ensuring a fair division of the estate.Consider Unique NeedsRon Blue, author of Splitting Heirs, suggests that “if you love your children equally, you will treat them uniquely.” Equal division may not always be the wisest choice. Consider factors like financial need and money management skills when planning your estate.The key to preventing conflict lies in communication. Discuss your estate plans openly with your family so they understand your decisions and the reasoning behind them. This transparency eliminates surprises and fosters unity among your heirs.Seek Professional GuidanceCreating or updating a will is a critical step that requires professional expertise. Work with an estate attorney who shares your Christian worldview to ensure your wishes align with biblical values. Certified Kingdom Advisors are an excellent resource; visit FaithFi.com to find one near you.By planning thoughtfully and communicating clearly, you can leave your children and grandchildren not only a financial inheritance but also a legacy of love and wisdom. Proverbs 13:22 reminds us of the importance of stewardship—not just in what we leave behind but in how we prepare to pass it on.On Today's Program, Rob Answers Listener Questions:I'm 77, and my husband is 81. The only thing that we have of any value is property. We live on about an acre and a half, and we're in a trailer. We would like to gift this property to our grandson, who is 26. We would like to know the best way to gift it without him being hit with too much of a financial penalty.I'm trying to figure out how capital gains are calculated when I withdraw money from my 401(k), especially since my company stock has appreciated significantly over the years.My daughter's credit score is 625, and she's committed to repairing it. My credit score is over 800, and I've heard you talk about making someone an authorized user on a credit card to help with their score. How does that work, and how would it affect our credit scores?I'm completely lost when it comes to finances. However, I want to set my family up for financial success, so I would like to know if you could point me to a resource that can help me learn what I need to know about finances.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationChristian Credit CounselorsChristian Healthcare Ministries (CHM)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornLook 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.

Larry Burkett once said, “The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.” These words remind us that stewardship is not just about money or tithing—it's about faithfully managing everything God has entrusted to us.As believers, we're called to be stewards because God created and owns everything. Our role is to manage His resources wisely for His purposes. But how can we know if we're fulfilling this calling? To guide our journey of faithfulness, let's explore the seven marks of a good steward.1. Acknowledging God's OwnershipGood stewards recognize that everything belongs to God, including their resources, skills, and abilities. They understand they're temporary managers entrusted with God's gifts for His purposes.Scripture to Reflect On: “You shall remember the Lord your God, for it is he who gives you power to get wealth.” (Deuteronomy 8:18)2. Understanding Their MissionGood stewards grasp the significance of their role in God's plan. They take their responsibilities seriously but approach them with humility, knowing they're part of something greater than themselves.Scripture to Reflect On: “Commit your work to the Lord, and your plans will be established.” (Proverbs 16:3)3. Faithfulness in ActionFaithfulness is at the heart of stewardship. This includes following God's financial principles: earning, saving, investing, and, most importantly, giving. Faithful stewards persevere, trusting that God will honor their obedience.Scripture to Reflect On: “Whoever can be trusted with very little can also be trusted with much.” (Luke 16:10)4. TrustworthinessGood stewards are honest and trustworthy in all they do. Integrity builds a foundation for effective stewardship, honoring God, and earning the trust of others.Scripture to Reflect On: “Moreover, it is required of stewards that they be found faithful.” (1 Corinthians 4:2)5. Diligence in Their WorkStewards are diligent, actively using what God has given them rather than neglecting or mismanaging it. They commit to working as if serving the Lord in all they do.Scripture to Reflect On: “Whatever you do, work heartily, as for the Lord and not for men.” (Colossians 3:23)6. Prayerful DependenceGood stewards seek God's guidance through prayer, trusting in His wisdom and provision. Prayer frees them from anxiety and anchors them in God's peace.Scripture to Reflect On: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.” (Philippians 4:6)7. Spirit-Led ActionFinally, good stewards act when the Holy Spirit leads, preparing their minds and hearts for action and living in obedience to God's will.Scripture to Reflect On: “Preparing your minds for action, and being sober-minded, set your hope fully on the grace that will be brought to you.” (1 Peter 1:13)Dependence on God's GraceThese seven characteristics set a high standard, reminding us that stewardship is more about faithfulness than perfection. We can't meet these marks in our own strength. Instead, we depend on God's grace and the power of the Holy Spirit to walk in obedience.Let's commit to being faithful stewards, trusting that God will equip us for the journey. As 1 Corinthians 4:2 reminds us, “Those who have been given a trust must prove faithful.” May we glorify God in all we do, managing His gifts with care and purpose.On Today's Program, Rob Answers Listener Questions:I'm getting ready to start receiving payments from my annuity. I want to give from the annuity, but I would like to know if I would get tax benefits from taking that money out of my annuity and paying it directly to a charity.I'm charged a rider charge on monthly withdrawals from an indexed annuity. Is there any way to avoid that? I have seven more years because it's a 10-year annuity.My daughter and son-in-law have $35,000 in debt, primarily for home repairs and a vehicle. They have a 3.5% mortgage but are being advised to do a cash-out refinance, which would take them to 6.5-7% on the full $155,000. Is there anything else they can do besides this refinance?I'm 74 and still working full-time. My 401(k) has about $500,000 in it, plus a company-funded pension. Should I roll that 401(k) over now or wait until I get close to retirement? I'm considering retiring by the end of next year.My mother is 89 and sold her house for about $300,000. At this stage in her life, how should she invest the money? Should she consider putting some of it into an annuity? I'd like her to have easy access to it.I was raised in a wealthy home, so I never learned proper financial principles. Now, I want to learn how to be financially responsible and properly steward God's provision in my family and business. Do you have any suggestions on how I can get started?I am 52 and retired, and my wife is 62 and retired. We're doing well, but more is always better. Could my wife start claiming my Social Security and spousal benefits now?I was told I might be eligible for my brother's pension. Do you know of a website where I can search for a lost pension?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornNational Registry of Unclaimed Retirement BenefitsLook 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.

What if everything you own isn't really yours? It's a biblical truth that changes everything once you grasp it. The belief that God owns it all has profound implications for how we manage our resources—and our lives. Let's explore what it means to be a faithful steward of everything God has entrusted to us.The Foundation of Biblical Money ManagementThe cornerstone of biblical money management is the belief that God owns everything. Psalm 24:1 states this clearly:“The earth is the Lord's and the fullness thereof, the world and those who dwell therein.”Paul builds on this truth in 1 Corinthians 4:7, reminding us that all we have is a gift from God:“What do you have that you did not receive? If then you received it, why do you boast as if you did not receive it?”Acknowledging this truth is one thing; living it out is another. It requires a shift in how we view money and possessions. God isn't a consultant or silent partner in our financial decisions—He's the owner. As His stewards, we're entrusted to manage His resources for His purposes.What Does It Mean to Be a Steward?The Koine Greek word for steward, oikonomos, means “household manager.” Like a household manager oversees someone else's property, we manage God's resources. We own nothing but are responsible for everything under our care, including our finances, time, talents, and relationships.Even our ability to earn a living is a gift to be managed wisely. Deuteronomy 8:18 reminds us:"You shall remember the Lord your God, for it is he who gives you the power to get wealth."Stewardship ResponsibilitiesAs stewards, we manage God's resources according to His will, not our own. This means making decisions that align with His purposes. Let's break down our responsibilities as stewards.1. Accountability to GodWe are accountable to God for how we manage His resources. Romans 14:12 says:“So then each of us will give an account of himself to God.”This includes using our resources to advance God's Kingdom, care for others, and reflect His character. Similarly, 2 Corinthians 5:10 reminds us:"For we must all appear before the judgment seat of Christ, so that each one may receive what is due for what he has done in the body, whether good or evil."2. Living with an Eternal PerspectiveInstead of focusing on temporal wealth, stewards invest in eternal treasures. Jesus teaches in Matthew 6:19-21:"Do not lay up for yourselves treasures on earth…but lay up for yourselves treasures in heaven."3. Faithfulness in Small ThingsFaithful stewards handle even the smallest responsibilities with care. Jesus emphasizes this in Luke 16:10:“One who is faithful in a very little is also faithful in much.”4. Generosity and Open HandsWhen we acknowledge God as the owner of all we have, it becomes easier to hold our possessions loosely. Faithful stewards give generously, reflecting God's generosity and trusting Him to provide for their needs.5. Humility in SuccessGood stewards recognize that all they have comes from God. Jesus warns against pride in the Parable of the Rich Fool (Luke 12:13-21), where a man takes credit for his wealth without acknowledging God's provision. Faithful stewards give God the credit for their success.Stewardship Transforms Our LivesLiving as faithful stewards transforms how we approach our finances—and our lives. It brings greater purpose, responsibility, and joy. Most importantly, it reflects our commitment to Christ and our trust in Him for all things.Our ultimate goal is to hear Jesus say, “Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master” (Matthew 25:23).By embracing the truth that everything belongs to God, we honor Him as the owner and find freedom in managing His resources for His glory. Let this perspective guide your financial journey and every decision you make.FaithFi's New Publication: Faithful Steward Starting this month, FaithFi is launching a new quarterly publication, Faithful Steward. This resource invites you to join us on a journey of faithful stewardship, aligning your faith and finances to glorify God and bless others.To start receiving Faithful Steward every quarter, become a FaithFi partner by giving $35 or more per month or $400 or more annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox.On Today's Program, Rob Answers Listener Questions:Am I responsible financially for my 78-year-old aunt's condo? She needs major renovations, like a kitchen renovation, but she doesn't want to refinance to pay for it. I will be the beneficiary of the condo once she passes away through a Lady Bird Deed. Some family members are telling me I should pay for the renovations, but I'm unsure if I'm responsible.My father-in-law passed away about a month ago, and I'm helping my mother-in-law navigate everything. They had about $11,000 in credit card debt. The credit card companies said they could stop the interest, but she still has to pay the remaining balance. She's wondering if she should do that or try to consolidate the debt into one loan instead.I'm in terrible debt with credit card interest rates between 19-22%. I recently had to pay for my daughter's medical expenses, and the debt has multiplied. I tried a debt consolidation company, but they told me to stop paying my cards and go into default. That felt dishonest, so I stopped. I just want to do the right thing and get this debt under control. I need help.As my husband and I approach retirement, how much do we share about our financial situation with our almost 30-year-old children? I'm concerned that too much or too little information could impact their sense of responsibility and obligation. I'm trying to find the right balance and timing for communicating this to them.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteChristian Credit CounselorsLook 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.

Some people learn from the mistakes of others. Unfortunately, some people have to be the others.Well, you certainly don't want to be one of the “others” who have to learn things the hard way by making mistakes. Today, we'll talk to Ron Blue about some of the biggest financial mistakes you want to avoid.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”Setting Financial GoalsWithout clear financial goals, you're essentially aiming at nothing. Goals help you prioritize and manage your spending effectively. Setting goals provides direction and ensures that your spending aligns with your priorities.Avoiding a Consumptive LifestyleA consumptive lifestyle involves spending significantly more than necessary, often on things that don't build financial equity. We all face the temptation of greed—a new car or a dress. Overspending on consumable items leads to a lack of financial growth. Instead, focus on investing in things that build equity and create long-term value.The Pitfall of GreedGreed is often disguised in pursuing the American dream. It's a subtle but pervasive issue. Tim Keller, a well-known pastor, once pointed out that in his experience, greed is rarely confessed as a sin. We often justify our spending under the guise of higher motives, which can lead to financial mismanagement. Avoiding greed starts with creating and sticking to a budget.The Importance of BudgetingMany view budgeting as restrictive, but it's quite the opposite—budgeting is liberating. A budget allows for pre-planned spending, which includes saving for vacations and preparing for emergencies like car repairs or broken appliances. Planning your expenses provides financial freedom and security.Giving: A Key to Financial FreedomMany believe that giving should come from surplus rather than regular income. However, giving is essential for experiencing true financial freedom. It's not about the money but about your heart and willingness to trust and honor God with your finances.By following these principles, you can achieve financial contentment and freedom. On Today's Program, Rob Answers Listener Questions:I'm 62, and my wife is 56. Due to market concerns, our advisor recommended shifting our portfolio to 50% stocks and 50% bonds a few years ago. We're generally more aggressive investors. Am I missing out on potential earnings by being more conservative?My in-laws are about 80 years old and have some well-matured savings bonds. The last time they used some of the bonds for home upgrades, they got hit with a significant tax bill. Is there anything they can do to move the savings bonds in a way that avoids the tax impact?I just turned 65 in July. I read that the age for collecting full Social Security benefits was pushed back. What is my full retirement age now? And can I still work without affecting my benefits once I reach full retirement age?I'm 72 years old. Last year, I set up charitable contributions from my IRA, but the church I attend is not a 501(c)(3) organization. Does it need to be a 501(c)(3) for me to make those qualified charitable distributions from my IRA? Also, I've been working part-time. How much can I contribute to a Roth IRA this year?Resources Mentioned:Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueTreasuryDirect.govLook 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.

Some people learn from the mistakes of others. But some people have to be “the others” who actually make the mistakes. Fortunately, you can avoid becoming one of them simply by dodging some common mistakes. On today's Faith & Finance Live, Rob West will talk to Ron Blue about some of the biggest financial mistakes you’ll want to avoid. 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.

“A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous.” - Proverbs 13:22God's Word is clear that faithful stewards should leave an inheritance for future generations. That inheritance doesn't have to be money. Passing along biblical principles such as generosity to grandkids, well, that's priceless. Ron Blue joins us to talk about it.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives.More Than Money: The Heart of GenerosityGrandparents have a unique opportunity to model and teach generosity to their grandchildren. Generosity is about much more than giving money. Money is just a tool we can use to bless others and make the world a better place.When taught early, generosity can break the grip of materialism and shape how children view and manage money for a lifetime. By demonstrating that financial success involves not just acquiring wealth but sharing it, grandparents can instill values that reflect God's Kingdom.Starting the ConversationThe best way to teach generosity is to connect it to core Christian values like love, stewardship, compassion, and service. Ron Blue suggests beginning with young grandchildren by reading Christian children's books that highlight stories of generosity.From there, move to practical activities:Set aside money to give to the grandchildren, and let them choose the charity.Engage in community service together, such as volunteering at a soup kitchen or helping a neighbor in need.Discuss how giving often involves sacrifice, such as donating toys to children in homeless shelters. Experiencing the joy of giving firsthand can leave a lasting impression.These activities help children see that generosity isn't just a concept—it's an actionable way to reflect Christ's love.Generosity in Everyday LifeGrandparents can incorporate lessons about generosity into everyday life by encouraging grandchildren to:Donate part of their birthday or allowance money to a cause they care about.Participate in family conversations about budgeting for spending, saving, and giving.Volunteer for local community projects together.These experiences not only teach the importance of generosity but also demonstrate that giving is a planned and intentional part of the Christian walk.Generosity and Legacy PlanningMany grandparents focus on leaving a financial legacy, but weaving generosity into their estate planning is even more critical. Some ways to do this include:Allocating part of their estate for charitable giving.Setting up a Giving Fund through organizations like the National Christian Foundation and involving grandchildren in decisions about where the funds should go.These steps ensure that generosity remains a central value in the family's legacy.The Long-Term ImpactTeaching grandchildren about generosity has profound long-term effects. It helps them avoid the chains of materialism and be more faithful stewards of God's resources. By modeling and encouraging generosity, grandparents can leave a lasting legacy that impacts their family and furthers God's Kingdom.Grandparents, you have an incredible role to play in shaping your grandchildren's values and faith. Start small, be intentional, and watch as your legacy of generosity grows in the hearts of your family.On Today's Program, Rob Answers Listener Questions:I have a 403(b) that's earning 3% interest. I'm 72 and will soon need to start taking the required minimum distributions. Since I have yet to pay taxes on this money, what's the best way to handle the withdrawals to minimize the taxation? Should I put it in a savings account or roll it into an IRA?I have a double-wide manufactured home with a 9.4% interest rate mortgage. How can I upgrade the house to increase its value and get a lower interest rate through refinancing? We're living paycheck-to-paycheck with no savings.I've been a Christian for 40 years, and my wife and I have always tithed, even when money was tight. In the last couple of years, God has provided an income stream we never thought possible, proving His faithfulness to us. We now have resources we never dreamed of having.Resources Mentioned:Samaritan's Purse: Operation Christmas ChildLook 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.

God’s Word is clear that faithful stewards should leave an inheritance for future generations. But that inheritance doesn’t have to be money. On today's Faith & Faith & Finance Live, Rob West will talk with Ron Blue about passing along priceless biblical principles such as generosity to your grandkids. Then Rob will answer your financial questions. 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.

If you're self-employed, a contractor, or a small business owner, you're probably familiar with the ups and downs of variable income. In some months, your earnings may exceed your expectations, while in others, they may fall short. This makes budgeting a little more complex—but not impossible! Let's walk through how to create a budget tailored to your fluctuating income.Start by Finding Your Average IncomeThe first step is to look at what you know. Review your income from the past six to 12 months and total it. Then, divide that total by the number of months to find your average monthly income. This figure will serve as the foundation for your budget, helping you set realistic expectations. You'll make more than this average in some months, and in others, you'll make less. That's okay—as long as you plan for it.Save Excess Income for Lean MonthsHere's the critical piece: In the months you earn more than your average, save the excess. This savings will buffer those lean months when you don't meet your income target. Even when you have extra at the end of the month, resist the urge to spend it. Treat your budgeted amount as your spending limit, and let the surplus bolster your savings.One effective way to manage this process is to funnel all your income into savings and set up an automatic transfer of your budgeted amount into checking each month. This way, you only spend from checking and staying within your budget.As you get started, you might find your budget doesn't quite match your actual spending. That's normal. Track your spending closely and revisit your income average every six months to make necessary adjustments. Over time, your budget will become more accurate as you get a better handle on your fluctuating income.Tips for Building Your BudgetWhether your income is variable or steady, here are a few tips to set up your budget successfully:Track Your Spending: Begin by recording every single expense for 30 days, no matter how small.Plan for Non-Recurring Expenses: Don't forget those irregular costs like annual fees or holiday gifts. Divide them by 12 and include them in your monthly budget to avoid surprises.Build a Category-Based Budget: Once you've tracked your spending and considered non-recurring expenses, group your spending into categories. Tools like the FaithFi app can help with this step.Bring Your Budget in Line with Your GoalsOnce you've drafted your budget, ensure it aligns with your financial goals and priorities. If your spending exceeds your income, it's time to trim back and make changes. Discretionary spending—like dining out, entertainment, and shopping—is often the first place to cut. The FaithFi app's digital envelope system can help manage these areas effectively.It's tempting to think that budgeting isn't necessary, especially if it feels complicated or tedious. But the truth is, living without a budget makes spending less than you earn nearly impossible—and that's key to financial success. Without a solid budget, debt can creep in, and saving for the future becomes challenging.A budget, or spending plan, gives every dollar a purpose. It allows you to maximize your giving and saving while ensuring your spending reflects your values.Biblical Principles for Wise Money ManagementWhether you earn a little or a lot, it's important to remember that we're called to be wise stewards of the resources God has given us. Proverbs 27:23 reminds us to “know well the condition of your flocks, and give attention to your herds.” For us, this means knowing how much money is coming in, how much is going out, and where it's going.A spending plan helps us faithfully manage God's resources. With a little planning and discipline, even those with variable incomes can have a budget that honors God and sets them up for financial success.By following these steps, you'll discover that budgeting with a variable income is possible and can lead to a life of greater financial peace and generosity.On Today's Program, Rob Answers Listener Questions:My wife and I are looking to make a budget. Since we can't use Mint anymore, we're considering the envelope system to track our spending in real-time and avoid overspending. What are your thoughts on that compared to other budgeting methods?I have a Roth account, and I need to withdraw about $55,000 to pay for a piece of land I'm buying. The money I'd like to withdraw that's not already in stocks would be from a maturing CD. Can I temporarily withdraw $55,000 from the Roth account until the CD matures and then pay it back?My brother is 66 and plans to work until he's 70. He wants to be able to save some kind of fund after he's gone to help his adult autistic son, who lives in a group home. What would you recommend as the best way for him to set that up?I've read Ron Blue's book ‘Splitting Heirs.' Could you recommend any other resources I could study to prepare to talk with my adult children about God's will and the estate plan I've set up?Someone mentioned that a spouse could receive half of their husband's Social Security on your program. How does that work? Does it relate to our ages?I accumulated about $7-8,000 in credit card debt. I'll be leaving my current job soon, where I have a 401(k), about the same amount as my credit card debt. Would it be wise to use that 401(k) money to pay off the credit card debt, or do you have any other suggestions?Resources Mentioned:Christian Credit CounselorsCreate A Thriving Family Legacy: How To Share Your Wisdom And Wealth With Your Children And Grandchildren by Jeff RogersSplitting 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.

Christians are generous people, as God calls us to be. That means we must also be discerning.We should always give with our hearts out of a passion for advancing God's Kingdom, but we must also use our heads to strategically choose which organizations or causes receive our financial support. Ron Blue joins us today with some advice before you write that check.Ron Blue, co-founder of Kingdom Advisors and author of numerous books on biblical personal finance, offers valuable insights into how we can give effectively to ministries. Drawing from his book Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives, he provides a strategic approach to ensure our giving is impactful and aligned with God's work. Here are seven critical questions to consider before financially supporting a ministry.1. Are the Leaders Marked by Godly Characteristics?When choosing to support a ministry, the first thing to examine is the character of its leaders. Christian leaders—whether they are pastors, missionaries, or heads of organizations—should be men and women of integrity, vision, and, most importantly, a growing relationship with Jesus Christ. If you can't trust the leaders, it's a clear sign that you should reconsider your support.2. Is the Ministry Active in God's ‘Hot Spots'?Some ministries create programs and plans without aligning them with God's work. Instead of assuming that God will bless good intentions, effective ministries actively seek to participate in areas where God is already working. Supporting ministries that follow God's leading ensures your contributions are used where they will make the most significant impact.3. Is the Ministry Innovative?A healthy ministry isn't stagnant. It should be innovative—willing to create, experiment, and challenge the status quo while remaining true to its biblical principles. Look for ministries that pursue new methods and approaches, turning short-term opportunities into long-term growth. These ministries often see and act on possibilities that others might overlook.4. Is the Ministry Growing and Cooperative?Effective ministries continuously grow and make measurable progress toward their goals. Leaders with a clear sense of purpose and vision inspire donors to support their work. Additionally, strategic ministries are willing to collaborate with like-minded organizations and churches. By pooling resources, they achieve greater impact, breaking down denominational barriers and working together for the Kingdom.5. Is the Ministry Goal-Oriented?Ministries should have a clear sense of what God has called them to do and how to achieve it. Effective organizations maintain a laser focus on their goals and purpose. As a donor, it's important to assess whether the ministry you're supporting is committed to its mission and is actively working toward it.6. Is the Ministry Accountable?Accountability is essential in any ministry. Strategic ministries hold themselves and their staff accountable to meet established goals. This may come in the form of a strong board of directors, elders, or other leadership structures that ensure financial integrity and operational transparency. Always check if there are systems in place to ensure accountability within the organization.7. Is the Ministry Endorsed by a Strong Track Record?Finally, examine the ministry's track record. The best predictor of future success is past performance. Instead of being swayed by eloquent appeals or effective fundraising, focus on the actual results the ministry has achieved. Review annual reports, visit the ministry's website, and, if needed, request their IRS Form 990 to gain insight into their financial stewardship.By asking these seven questions, you can be confident that your giving is strategic, impactful, and aligned with God's work. Giving should not be an emotional response but a thoughtful, prayerful decision grounded in biblical principles.On Today's Program, Rob Answers Listener Questions:I'm on a variable income. I have plenty of work during the summer, but my income almost cuts in half during the winter. What should I do, and what resources are available to help me during that downtime?Our affluent church just received a $2.4 million unrestricted donation. It seems wasteful to just let the money sit, but I also don't feel right about not supporting the church. What are your thoughts?About three years ago, I saved up some money and bought about $15,000 worth of gold. Since then, I've saved another $10,000. I want to ensure I'm doing the right thing by buying gold and not leaving it sitting in a savings account at the bank. What are your thoughts on that?Resources Mentioned:Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteLook 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.

Christians are generous people, as God calls us to be. But in order to give God’s money wisely, we must also be discerning. On today's Faith & Finance Live, host Rob West will welcome Ron Blue who will share a series of questions we should always ask before financially supporting a ministry. Then Rob will answer some calls and financial questions. See omnystudio.com/listener for privacy information.

“Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” - Proverbs 11:14At one time, finding someone who shared your Christian values and could give you expert financial guidance was quite a challenge. But today, a nationwide network of Christian financial professionals fills that void. Sharon Epps joins us today to explain “What is a CKA®?”Sharon Epps is the president of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.The Origin of Certified Kingdom AdvisorsIf you're new to the concept of a Certified Kingdom Advisor (CKA), you might wonder what sets these financial professionals apart. CKAs are not only trained in financial services but also rooted in a biblical worldview, helping individuals and families make faith-based financial decisions. There are over 1,500 CKAs across the U.S. and Canada, and that number continues to grow.Larry Burkett and Ron Blue inspired the concept of Kingdom Advisors, realizing that God's people needed trusted, biblically minded financial advisors to help them steward their resources. This vision laid the foundation for the CKA designation, the only credential in the financial industry dedicated to biblically wise financial advice. CKAs are financial professionals, such as planners, accountants, investment advisors, insurance professionals, and lawyers, who are passionate and qualified to integrate faith and finances into their practice.What Does It Take to Become a Certified Kingdom Advisor?Becoming a Certified Kingdom Advisor involves rigorous training. CKAs complete 90 hours of study at the college level, capped by a five-hour proctored exam. This training includes navigating financial decisions from a biblical perspective through a case study of a real family, Bob and Debbie.This process equips financial professionals with deep biblical convictions about financial decision-making and enhances their ability to give competent, faith-aligned advice to their clients. The CKA credential is highly valued across the financial services industry and recognized by firms for its commitment to biblically-based stewardship.Stories of TransformationOne of the most rewarding aspects of the CKA program is hearing stories from advisors who have completed the training and how it has impacted their practice. Sharon shared a few examples, including an advisor who wrote:“My practice is no longer just about financial acumen. It's about integrating faith and finance, reshaping how I interact with my clients.”Another advisor reflected: “Becoming a CKA has been more than an educational pursuit; it has been a catalyst for spiritual growth and discernment. With each scripture memorized and lesson learned, I've gained clarity on God's calling and purpose for me as a leader and disciple-maker.”These stories illustrate how the CKA designation transforms financial professionals' professional growth and personal faith journeys, allowing them to serve their clients more holistically.Why Choose a Certified Kingdom Advisor?Why should you choose a Certified Kingdom Advisor if you're considering financial guidance? Money is a tool, and having an advisor who shares your biblical worldview ensures that your financial decisions are aligned with your faith. CKAs help you steward your resources wisely and offer spiritual encouragement through prayer and scripture.If you're ready to take the next step and find a Certified Kingdom Advisor, visit FaithFi.com and click “Find a Professional.” You can connect with a CKA in your area who can guide you in faithful financial stewardship.On Today's Program, Rob Answers Listener Questions:My son got into a terrible car accident and suffered a brain injury. It took him four years to recover and get back on his feet. He's in his early 30s and has a job, but he's worried about losing his Medicare disability payments if he earns too much. I'm unsure of the rules around the substantial gainful activity limit and the trial work period. Can you help me understand how he can continue working without jeopardizing his disability benefits?My husband and I just sold one of our investment properties for $200,000, and we made about $140,000 in profit. We're about three years away from retirement. Should we use that $200,000 to buy another investment property to avoid paying capital gains taxes? Or should we invest the money elsewhere instead of doing a 1031 exchange?27 years ago, I bought some savings bonds for my sons, who are now adults. The bonds have been sitting in a safe all this time. My sons know about the bonds, but I'm unsure what to do with them now. Should I just hold onto the bonds until they mature in three more years? Or should I go ahead and cash them out and give the money to my sons now? I'm still determining if the bonds will be worth much in a few years, so I wonder if I should just let my sons handle it.Can I find the current CD rates from different banks in one place? I'd like to compare the rates and minimum deposit requirements across various banks to find the best CD options. Can you recommend a website or resource that allows me to easily see and compare CD rates from multiple banks?I recently retired and am still figuring out what to do with my 401(k). It has about $130,000 in it, and I still need the money. Should I leave the 401(k) where it is, or should I roll it over into an IRA? I'm not sure how to manage it myself, so I would like to know if I should hire a financial advisor to help me with that. What do you recommend I do?Resources Mentioned:TreasuryDirect.govBankrate | 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.

Many believers would agree that churches should follow the same financial principles that God's Word provides for individuals. But even within that agreement, there's still plenty of room for debate. For example, should churches borrow for building and expansion projects?Borrowing for church projects can be a sensitive topic, raising important questions about finances and faith. While the Bible does not declare borrowing a sin, it does offer several warnings about its potential pitfalls. Let's explore the biblical principles and guidance for churches considering debt.Biblical Warnings About DebtProverbs 22:7 says, “The rich rule over the poor, and the borrower is a slave to the lender.” This warning reminds churches that while borrowing isn't inherently sinful, it can create a burden and dependency on lenders. The late Larry Burkett emphasized that debt can be destructive if taken to excess, and it's more about an attitude than an absolute rule.Principles for Church BorrowingFinancial expert Ron Blue offers several key principles for churches to follow when considering borrowing:The benefit should outweigh the cost.A clear repayment plan should be in place.Church leadership should be unified in the decision to borrow.Borrowing should bring peace of mind, not anxiety.The debt should align with God-given goals.These principles help guide churches in making thoughtful decisions about whether to borrow, ensuring that financial obligations don't overshadow their spiritual mission.Three Biblical Principles for BorrowingDr. Art Rainer, Director of the Institute for Christian Financial Health, encourages healthy debate on the issue of church borrowing, outlining three key principles for churches grappling with the issue of debt:Use Caution—Proverbs 22:26-27 advises against entering agreements without being sure of repayment. Churches must ensure they can meet their obligations to avoid damaging their witness.Consider the Congregation's Burden—Debt limits funds available for outreach and missions. As Proverbs 22:7 reminds us, “the borrower is a slave to the lender.”Debt Creates Opportunities for Sin—Psalm 37:21 warns against failing to repay debts. Churches should secure loans with collateral and ensure a repayment plan is in place.Despite the cautions, many churches borrow successfully to expand their ministry efforts. If your church chooses to borrow, selecting a financial institution that shares your Christian values can be a game-changer. Christian Community Credit Union (CCCU) is a trusted partner for churches, providing over $1 billion in ministry real estate loans. CCCU aligns with Christian values and offers financial tools to help ministries thrive.Making an Impact Without BorrowingEven if your church decides against borrowing, you can still make an impact. By opening an account at CCCU, you support other churches and ministries through your deposits. To learn more, visit JoinChristianCommunity.com.While borrowing isn't sinful, churches must carefully consider the financial and spiritual implications before taking on debt. By following biblical principles and partnering with the right institutions, churches can make informed decisions that support their mission to advance the Gospel.On Today's Program, Rob Answers Listener Questions:I've been seeing many of these advertisements about debt cancelation on the internet, on Facebook, and in places like that. There's one going on right now: if you're a veteran and owe $20,000 or $30,000 or more, you can get it wiped out. Is stuff like this a legitimate deal, or is it a scam?I'm selling my home and will have a surplus after buying a new home outright. I just retired and want to stay retired. Should I use the surplus to live off of, draw my Social Security, or invest the money?My question is about my retirement investment with my employer versus my investment in a high-yield savings account. I've been with my employer for three and a half years. Its growth has been 2.47% during that time, and my high-yield savings account rate is 5.2%. I'm trying to understand which investment would be most beneficial.I heard you guys talk about a reverse mortgage and was thinking about it for my 90-year-old mother. We've been in conversation with Movement Mortgage and started the process, but I got cold feet because of the fees. So, I am wondering what your thoughts are about this and whether this is a good idea. Resources Mentioned:Christian Community Credit UnionLook 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.

Can you name two things that don't seem to go together—but actually do? How about freedom…and budgeting?We hear from folks all the time who feel that living on a budget cramps their style, hems them in, and makes them feel trapped. Brandon Sieben is with us today to make the case that just the opposite is true.Brandon Sieben is the Chairman of the Board at Compass Financial Ministry. How Simplified Finances Lead to Peace of MindAlthough budgeting might seem restricting, it can lead to financial freedom and peace of mind. Here are the fundamental principles to consider if you're struggling with putting together a budget: 1. Keep It SimpleThe first principle of freedom budgeting is simplicity. Often, people avoid budgeting because they think it's too complicated or time-consuming. The goal is to make the process easy, so you'll stick with it, whether utilizing a simple Excel spreadsheet on the fridge to track your expenses or using a tool like the FaithFi app for simplicity and visibility.2. Be HonestThe second principle is honesty and transparency. As Jesus said in John 8:32, "The truth will set you free," and this holds true for budgeting. Many people avoid budgeting because they fear what they'll find—that their spending exceeds their income. Being honest about where your money is going is crucial to financial freedom.3. Allocate Non-Negotiables FirstNext, it's crucial to prioritize the "non-negotiables"—the essentials that must be paid first, such as tithing, rent, utilities, and food. After these basics are covered, you can think about discretionary spending.4. Save Every MonthEven while playing financial defense, it's essential to start saving something every month. The habit of saving, no matter how small, is crucial. If you spend every dollar you earn, you have no options. But if you save a portion, even 20%, you'll begin to build financial flexibility and choices over time.5. Budget for FunOnce you've applied the first four principles—simplifying, being honest, prioritizing needs, and saving—you can move on to the final principle: budgeting for fun. Financial freedom doesn't mean depriving yourself indefinitely. As your savings grow, you can intentionally allocate money for enjoyment.Through these principles, you can move from financial overwhelm to freedom. You can eliminate the anxiety that robs you of joy and embrace a lifestyle aligned with God's plan for you. As Luke 16:13 reminds us, "You cannot serve both God and money." By choosing God's principles over financial chaos, you can find freedom.By keeping it simple, being honest, prioritizing needs, saving consistently, and allowing room for fun, you can reduce anxiety and experience the freedom that comes from managing money well.On Today's Program, Rob Answers Listener Questions:Can you provide me with more information about the Christian Credit Union you partner with? What book do you recommend for passing down inheritances to your heirs? Your show has been a great gift to my wife and me during a tough time. We faced a costly 3-year lawsuit, but your program helped us through it. While our savings took a hit, we have a thriving family business and remain active in our community and church. I used to feel ashamed of our struggles, but I've learned this challenge was part of our journey. Your show reminds us that our future is in God's hands. Thank you for being such a blessing and encouragement.Our oldest son and his wife had purchased a piece of property to build their house. I found a better piece of property and wanted to help them by lending them the money to buy the new property. The interest rate they would have to pay at the credit union was twice what I got in a high-interest savings account. So, I loaned them the money and told them I only wanted the interest rate. I'm a little conflicted on whether I should continue charging that interest, which they are paying monthly, or if I should just forgive that interest.Resources Mentioned:Compass Financial MinistrySplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteChristian Community Credit UnionLook 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.

A recent survey shows that most parents think they should teach their kids financial literacy; the good news is that many are actually doing it.Still, other parents may not know how to teach their kids financial responsibility. Ron Blue joins us today to discuss how he and his wife, Judy, did it.Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, including “Your Kids Can Master Their Money: Fun Ways to Help Them Learn How.”The Importance of Financial Education at HomeA recent survey by the Bank of Oklahoma Financial reveals that 85% of parents believe they should teach their kids about financial responsibility, with many acknowledging that this should also be a part of school curricula. However, a significant portion of parents, about one-third, feel that schools aren't sufficiently addressing this topic. Encouragingly, 65% of parents are actively teaching their children about money management.Children learn best by observing their parents' financial habits. The old adage "more is caught than taught" rings true—kids learn to manage money by seeing how their parents handle it. However, teaching financial responsibility has become more challenging with the rise of credit cards and digital transactions.Age-Appropriate Lessons For ChildrenFor younger children, Ron Blue and his wife Judy used a simple yet effective method: the envelope system. Starting at age eight, their children received envelopes designated for different purposes: giving, saving, spending, gifts for the family, and clothing. This hands-on approach taught the kids about budgeting, prioritizing, and the importance of giving.As their children entered high school, they introduced them to more advanced financial tools, such as credit cards, while educating them about responsible usage. This early exposure helped their children understand the implications of credit and the importance of managing money in a digital society.Today, parents have even more resources at their disposal. Ron Blue suggests using debit cards and budgeting apps, such as the FaithFi app, to help children manage their finances. By teaching children about money early on, parents can equip them with the skills and wisdom needed to navigate the financial challenges of life.On Today's Program, Rob Answers Listener Questions:I had a stroke and had to retire early, and now the only thing I have is my home. I received a letter about a reverse mortgage, and I was wondering if that could help me.I was just curious about your thoughts on Fisher Investments and whether 1.25% is too much to pay for the management of my funds.I'm on disability, and I'm eligible for Social Security, but I can't draw both at the same time. My Social Security is substantially higher than what my wife would be. Can she draw mine?I have a mortgage on a new home and want to refinance due to the high interest rate, but I'm unsure if I should wait, recast the loan, or put money towards the principal. What are the advantages of those options?Resources Mentioned:SSA.gov (Social Security Administration)Zillow.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.

A recent survey shows that most parents think they should teach their kids financial literacy; the good news is that many are actually doing it. Still, other parents may not know how to teach this kind of responsibility to their children. On today's Faith & Finance Live, host Rob West will welcome Ron Blue to share how he and his wife, Judy, did just that. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

“Do not be unequally yoked with unbelievers. For what partnership has righteousness with lawlessness? Or what fellowship has light with darkness? - 2 Corinthians 6:14That warning from the Apostle Paul is usually interpreted to mean that you shouldn't marry outside the faith. But does it apply to other relationships just as much? Ron Blue joins us today with his practical and spiritual insights about partnerships.Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”Understanding Partnerships Beyond MarriageIn 2 Corinthians, the Apostle Paul wasn't just talking about marriage in his teachings; he was referring to all kinds of partnerships. Partnerships are prevalent in various professions, often seen in businesses with multiple partners and owners. These partnerships can last a long time. Business partnerships, much like other types, require careful consideration and management.Key Principles for Successful PartnershipsHere are a few key principles to consider:Protect Your Testimony: Being in a partnership with someone unequally yoked can impact your testimony. Only you and God can answer whether the partnership is worth the risk to your testimony.Have an Exit Strategy: Just like marriages, many partnerships end up dissolving. It's crucial to have an exit strategy in place before forming a partnership. This ensures that either party can exit the relationship equitably while maintaining their testimony.Preserve the Business's Testimony: The business itself is often more critical than the individual founders. The goal is for the business's mission and testimony to live beyond the partnership.On Today's Program, Rob Answers Listener Questions:My question is about the capital gains tax on the property my husband plans to sell in Georgia. He lived there for 19 years before we married in September 2022 and moved to Tennessee. He plans to sell the Georgia property, pay off the remainder of our house in Tennessee, and invest the rest. I want to know if there is a time limit for him to sell the property and invest the proceeds to avoid paying as much capital gains tax as possible.How much cash should I keep at home versus in a safe deposit box? I've heard that some people are now keeping a lot of cash at home, like $4,000 or $5,000, and I wonder if you would recommend that. I don't have a debit card or ATM access, so I would need to go to the bank to get cash if needed.My husband and I have several savings accounts that hardly earn any interest. We have about $18,000 total in these accounts. What would you recommend we do to get a better return on this money? I want to ensure the money is still easily accessible as an emergency fund, but I'd like to see it earning more interest if possible.My siblings and I have some farmland that we inherited when our dad passed away eight years ago. The sale of the farmland is getting close to being finalized. I wonder how my tax filing status will affect the capital gains taxes I must pay on the sale. I'm currently single but plan to get married this year. Will filing jointly with my spouse next year impact the capital gains taxes I owe on the farmland sale this year?Resources Mentioned:Bankrate.com | NerdWallet 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.

In 2 Corinthians, the Apostle Paul warns us to not be unequally yoked with unbelievers. And that’s usually interpreted to mean we shouldn’t marry outside the faith. But does it apply to other relationships? On today's Faith & Finance Live, Rob West will welcome Ron Blue to share his practical and spiritual insights about business partnerships. Then, Rob will answer your calls on various financial topics. See omnystudio.com/listener for privacy information.

“A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous.” - Proverbs 13:22That verse seems pretty straightforward … but it leaves several questions unanswered. What should we leave to our kids…how much…, and when? Ron Blue joins us today with the answers.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives.When To Leave Money to Your Kids and When Not ToMany people wonder if Proverbs 13:22 means they must leave money to their children and grandchildren. This verse should be seen as a principle rather than a command. In biblical times, wealth stayed within the family because no charitable organizations existed. Today, leaving a financial inheritance is a personal decision, not a mandate.If you believe God owns everything, the final decision you make as a steward is who receives His resources. If you think your heirs might misuse or squander the inheritance, it's worth reconsidering. Money can be harmful without wisdom, whereas wisdom can create and sustain wealth.The fundamental principle is to impart wisdom before leaving money. If your children and grandchildren still need to gain the wisdom to manage resources responsibly, leaving them money can do more harm than good. Wisdom should always precede financial inheritance.When making decisions regarding wealth transfer, asking the right questions is crucial. A good question is, “If we leave this money to this child, what's the worst thing that can happen?" This question can help anticipate potential consequences and make informed decisions based on the likely outcomes.Treating Heirs Uniquely It's essential to understand that treating your children equally doesn't mean giving them the same financial inheritance. Each child is unique, and their needs and circumstances vary. Just as God treats us uniquely according to what's best for us, parents should consider each child's needs and potential consequences when deciding on wealth transfer.The goal is to ensure that any financial inheritance supports and enhances the lives of your heirs rather than causing harm. By asking the right questions and understanding the unique needs of each child, you can make decisions that honor God's resources and benefit your family in the long term.Ron Blue's book, "Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives," is a must-read for those navigating this complex topic, offering detailed guidance and thoughtful advice.On Today's Program, Rob Answers Listener Questions:I need help managing my finances throughout my career, including multiple jobs and retirement accounts. Can you advise me on getting a financial advisor or someone to help me keep track of everything?I want to ask about cashing in several Savings Bonds I purchased in 1998. Since then, I have moved several times and cannot locate the bonds. Can I cash them in without having the physical bonds, or am I out of luck?Is it too late for me to buy a home? I am 58 years old and earn $98,000 per year. Home prices are costly right now, so I wanted advice on whether I should still pursue buying a home or if I am too old. I want to make a biblically sound decision.Is it biblical for my husband to have complete control over our finances and not allow me to use any money other than what he gives me for groceries each week? He reviews the grocery receipts to ensure I haven't purchased anything else. I shouldn't have to ask permission for every purchase since I am an adult, but he thinks this is the proper way to handle our finances.Resources Mentioned:Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron BlueTreasuryDirect.govRich 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 book of Proverbs tells us that it’s good for us to leave an inheritance for our children’s children. But it doesn’t address the specifics, like how much or when. On today's Faith & Finance Live, host Rob West will welcome Ron Blue to share some guidelines for giving to your children and grandchildren. Then Rob will answer your calls on various financial topics. See omnystudio.com/listener for privacy information.

2 Corinthians 9:6 says, “Whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.”God's Word repeatedly challenges us to be generous givers to our families and His Kingdom. When should we do this giving? Are we waiting too long? Ron Blue joins us today with an idea you may not have thought about.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”The Joy of GivingThere is immense joy in seeing the impact of your generosity firsthand. Whether you give $20 to someone working in an airport bathroom or support a charity, the act of giving not only helps others but also enriches your own life.Preparing for Wealth TransferOne practical aspect of this principle is involving your children in your financial generosity. By allowing them to see and participate in how you handle and distribute your wealth, you prepare them for the future. This hands-on experience can be vital to your wealth transfer or estate plan, ensuring that your values and approach to money are passed down.Defining Your Financial Finish LineTo give maximally, you should define your financial finish line. This means determining what you must live on for the rest of your life and setting a limit. Once you reach this limit, you are free to give away the excess. This clear boundary simplifies financial decisions and opens up opportunities for greater generosity.True joy and fulfillment come from using our resources to make a difference while we can see the results. By defining our financial finish line and involving our families, we can ensure that our generosity leaves a lasting legacy.On Today's Program, Rob Answers Listener Questions:Do you have any recommendations on pamphlets or printouts about giving to the church or tithing?Should I set up a revocable trust for my farm and assets to ensure an uninterrupted transfer of the farming business to my farming heirs when I pass away? I'm concerned about avoiding probate costs and ensuring the assets are distributed according to my wishes.I was looking at purchasing some land and paying cash for it. But I am looking at putting it into a revocable trust. That way, when I pass, it can go right to my children and grandchildren and not go through a probate court or have all the taxes and fees and everything that, you know, happens when somebody dies. I also asked if putting it in a revocable trust would keep all of the inheritance tax and everything away or if there would still be some of that tax.I have an extra $400 a month that I don't know what to do with. Should I put it in my IRA, which has $2000, or my husband's IRA, which has $80,000, or put the extra $400 a month towards our mortgage payment?Resources Mentioned:Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by 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.

God's Word repeatedly challenges us to be generous givers to our families and His Kingdom. So, when should we do this giving? And are we waiting too long to be generous? On today's Faith & Finance Live, host Rob West will welcome Ron Blue to share an idea about giving that you may not have considered. Then, Rob will answer some calls on various financial topics. See omnystudio.com/listener for privacy information.

Knowing where and how to give to God's Kingdom can be a challenge for any one person…but all the more so if you're married.It's beautiful when couples agree on how to manage their money—how much to spend and save…but finding agreement on giving is just as important. Today, Bob shares what he and his wife, Leslie, learned about it.Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. The Foundation of GivingFinancial disagreements are common in marriages, and the Bible provides wisdom on handling money in over 120 passages. This connection between our spiritual lives and finances is crucial—God wants us to integrate our faith with our financial decisions (Matthew 6:25, 33).Five Core Premises for GivingIn their home, Bob and Leslie follow five guiding principles:God Owns It All: The question isn't how much to give but how much to keep.We're Temporary Residents: We're on earth briefly and in heaven eternally.Send It Ahead: You can't take wealth with you but can invest in eternal treasures (Matthew 6:19-21).Increase Your Standard of Giving, Not Living: As Randy Alcorn puts it, “God prospers us by raising our standard of giving.”Give While Alive: They prefer to give their money away during their lifetime.Navigating Differences in Giving PreferencesBob and Leslie have different giving styles—Leslie prefers focusing on a few causes, while Bob prefers to give broadly. They've learned to compromise and respect each other's preferences. Each initiates about 20% of their giving individually in their system, while they jointly decide on the remaining 60%.Structuring Their GivingTheir giving strategy involves a pyramid approach:Top Tier: Large gifts to a few organizations they're deeply involved with and trust.Middle Tier: Causes they know well but are less involved in.Bottom Tier: Smaller donations to various ministries or individuals.A Practical Process for Giving DecisionsHere's the process Bob and Leslie follow:Pray Together: Remember that it's God's money, and aim to be a faithful steward.Respect Each Other: Listen to each other's voices and be open to the Spirit's guidance.Be Strategic: Research potential opportunities and be mindful of red flags.Engage Personally: Get involved with some of your giving to maintain the joy and avoid feeling like a checkbook.Allow Flexibility: Be open to new ideas and understand that some giving may be seasonal.Learn from Mistakes: Don't dwell on mistakes; learn from them and strive to be faithful.Key Truths to RememberBob concludes by reminding us of three critical truths:Time is ShortThe Need is GreatThe Cost is HighInvesting in God's Kingdom yields eternal returns, far surpassing any earthly investment. As believers, we're called to do “above and beyond” for the honor and glory of God's name, our good, and the benefit of others.For more detailed guidance, see their article, “How to Plan Your Giving as a Married Couple.” On Today's Program, Rob Answers Listener Questions:Both my parents are in their 80s. And my mom didn't work a lot. She stayed home with us. And then my dad worked, you know, work the job for a long time. And someone told her that if something happened to him, she could not draw his social security and that she wouldn't be able to draw his pension. So I didn't know if there was something that they could do about the retirement so she could pull it since he had worked all those years and made that money. Could you give me advice on any of this?I'm updating my will now that I live in Texas. Is it God's will for me to give my children a percentage of the funds that the Lord has gathered for me rather than splitting it three ways for them? I would like to give it to two to three nonprofit organizations I support now.Resources Mentioned:How to Plan Your Giving as a Married Couple (Article by Bob and Leslie Doll)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteSSA.gov/applyRich 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.

Some people learn from the mistakes of others. Unfortunately, some people have to be the others.You certainly don't want to be one of the “others” who must learn things the hard way by making mistakes. Today, we'll talk to Ron Blue about some of the biggest financial mistakes you want to avoid.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”Setting Financial GoalsRon emphasized the importance of establishing clear financial goals. Without clear financial goals, you're essentially aiming at nothing. Goals help you prioritize and manage your spending effectively. Setting goals provides direction and ensures that your spending aligns with your priorities.Avoiding a Consumptive LifestyleA consumptive lifestyle involves spending significantly more than necessary, often on things that don't build financial equity. We all face the temptation of greed—a new car or a dress. Overspending on consumable items leads to a lack of financial growth. Instead, focus on investing in things that build equity and create long-term value.The Pitfall of GreedGreed is often disguised in pursuing the American dream. It's a subtle but pervasive issue. Tim Keller, a well-known pastor, once pointed out that in his experience, greed is rarely confessed as a sin. We often justify our spending under the guise of higher motives, which can lead to financial mismanagement. Avoiding greed starts with creating and sticking to a budget.The Importance of BudgetingMany view budgeting as restrictive, but it's quite the opposite—budgeting is liberating. A budget allows for pre-planned spending, which includes saving for vacations and preparing for emergencies like car repairs or broken appliances. Planning your expenses provides financial freedom and security.Giving: A Key to Financial FreedomMany believe that giving should come from surplus rather than regular income. However, giving is essential for experiencing true financial freedom. It's not about the money but about your heart and willingness to trust and honor God with your finances.By following these principles, you can achieve financial contentment and freedom. On Today's Program, Rob Answers Listener Questions:What are the tax implications of an inheritance I received from my deceased mother-in-law? Part of the inheritance was a CD, which I understand has no tax implications. The other part was an IRA worth around $9,800 that was distributed to me. I don't know if there is a requirement to withhold taxes from that distribution or what the tax basis would be.I have a balance I have been trying to pay down at the hospital. I have been making $100 monthly payments, but when I get my statements, they still show the original balance and no credits for my payments. I have called the hospital billing department twice, and they said they would call me back within three days, but I never received a return call. Is there a way to get them to show where my payments are being reflected, or should I call the hospital administrator's office to resolve this since I am not getting responses from the billing department?My 97-year-old father had a term life insurance policy that he has now outlived. I checked with the insurance company, and they said something about a tariff that would apply if we tried to renew the policy at his age. Is it financially beneficial to continue the policy?How will my IRMA score impact my retirement planning? I would like to know if my situation is affected by this. My wife and I have been paying off debt and increasing our income over the past ten years through overtime and promotions. We are now debt-free, and I have recently surpassed six figures in income. I want to understand how my current income level might affect my Medicare premiums and overall retirement planning as I approach that stage of life in my 60s.Resources Mentioned:Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueRich 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.

Some people learn from the mistakes of others. But some people have to be “the others” who actually make the mistakes. Fortunately, you can avoid becoming one of them simply by dodging some common mistakes. On today's Faith & Finance Live, host Rob West will talk to Ron Blue about some of the biggest financial mistakes you'll want to avoid. Then Rob will answer some caller questions on different financial topics. See omnystudio.com/listener for privacy information.

Malachi 3:10 says, “Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need.” God isn't just telling us to test Him with our giving—He's challenging us to test Him. “Do it and see what I will do.” Why do you think many Christians are reluctant to do this?Many Christians are reluctant to test God with their finances because of greed. Greed is when we envy what others have or want something we don't have. This greed leads to a fear of lack and insufficient money if they prioritize giving over other expenses. Giving should come first to recognize God's ownership and break the power of money over our lives. God doesn't promise to make us wealthy because we give generously. When you give, you need to give up ownership of the money and what happens to it after that is up to God. God does not promise that he will return the money multifold. People sometimes mistakenly attach that expectation to giving, but God does not explicitly promise wealth or return on investment in the act of giving.If I'm In Debt, Should I Decrease My Giving?The answer to that begins with a principle or a truth. The truth is this: God owns it all and is interested in it. If I believe that God owns it all, and it says that in many places in Scripture, God owns it all, it's all his. The earth and everything in it are the Lord's. He created it. If he owns it, and I'm a steward or a manager, I make a biblical decision every time I spend money. I'm making a stewardship decision, a scriptural decision. So if I'm paying off debt, I'm using God's money to pay off debt. If I tithe, I'm using God's money to tithe. He gave it to me. So we can begin by saying that from a scriptural standpoint, there's no difference in using God's money, whether I pay off debt or give because it all belongs to him. When you make giving your highest priority, you begin to set the right priorities for your money.Suppose you're in a crisis where you can't give and pay off debt, get some counsel. Get some accountability. If you reduce your giving to pay off debt, it needs to be under a plan and with accountability. The best accountability is to go to your pastor and say, “This is what I'm thinking of doing. Will you hold me accountable to it?” Do you agree with this decision so that you will eventually get out of debt? If you're using your giving dollars to get out of debt because you're in a crisis, do it with accountability and a plan—don't just do it.On Today's Program, Rob Answers Listener Questions:Can the RMD amount from an inherited IRA be taken from any of the account's assets, including stocks? What are the tax implications of taking more than the RMD amount from an inherited IRA?What are the tax implications of inheriting annuities and Roth IRAs from your parents? My parents had annuities as investments that were closed out and put into a trust after they passed away. I'm unsure how the taxes work in this situation, and I was told my children may have to pay some taxes.Should I pay my home mortgage or use my savings to buy a new vehicle? I may need to sell my home and move in with an aging parent in a year or two.Would it be okay to leave my deferred compensation of around $15,000 in the account and use it as a burial plan for my husband and me when needed? I don't need the money currently to live on. Also, should I keep the money invested in stocks, or is there a better option given that I'm 65?Resources Mentioned:Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.

Did you realize there’s one place in the Bible where God specifically tells us to test Him? And it really shouldn’t surprise us that it involves money. On today's Faith & Finance Live, host Rob West will welcome Ron Blue to explore this passage and help us consider important factors about our giving. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

Albert Einstein is credited with saying that the power of compounding is the eighth wonder of the world, and “He who understands it, earns it; he who doesn't, pays it. And Ron Blue shares a story for us about a couple who apparently understood this very well.“I received a call from my 30-something-year old son awhile back. He'd been married for some time and he is a teacher and his wife Ann was a teacher. And his question to me was, “Dad,” he said, “You know, Ann and I are just teachers and we're just never going to have enough, probably, to ever retire.So I said, well, Tim, tell me a little bit about your financial situation. And what he said to me was truly amazing! They have never ever used credit card debt. They didn't have any car loans. They had a home mortgage and they had a savings account and their savings account was maybe 30-thousand. I don't remember the exact amount. And the reason they had a savings account I think is significant. It's that when they both worked, they saved one of the salaries. They wanted to save one of the salaries prior to having children. Not only did they save that money, but it taught them to live on one salary. And so they had some money in savings that, quite frankly, for a 30 year old couple, put them in phenomenal financial shape.”How Did They Do It? Well, it's not rocket science and you don't need to be Einstein to appreciate compound earnings, which is what this is all about. Ron later remarked that “Tim shared with me that they were contributing to their 403b plan the maximum amount and that was another four or $5000 a year. So they were not spending everything that was coming in and they were saving for the future. And I said to him, Tim, do you realize that if you continue to save $1000 or $2000 or $3000 a year, what that's going to grow into over the next 35 or 40 years when you plan on retiring?I said my guess is that it'll grow to probably at least a million or even more dollars. And when I looked at the compounding charts, I realized that just saving $1000 a year out of his salary, or out of their salary and putting it towards retirement, he was going to have enough to retire on. However, just like Tim and Ann, you have to make that commitment. They had chosen a lifestyle that was relatively small compared to what the world said that he could afford.Another example is my wife's Aunt. She died without marrying and when she died, she left a considerable amount of money. She had stayed in one home over her whole working life. She never even owned a car because she could walk to work. The reason she had enough for retirement was that she hadn't spent it on consumptive items early on.”What To Do If You're Worrying About Saving For Retirement? Whether or not you have enough for retirement is really not a function of your income as much as it is a function of the expenses. If you can live below your income and if you can avoid spending consumptively, then given enough time, you are probably going to have enough for retirement. And that starts with a spending plan that keeps your spending less than your income.On Today's Program, Rob Answers Listener Questions:A little over two years ago, my husband passed away and my CPA said that if nothing changes with my finances anytime soon, I won't have to worry about filing taxes anymore. I initially heard that and wanted to see if you could provide some confirmation about whether or not that could be true. I have a question about capital gains on the sale of a home. Am I correct in figuring out the basis that you take what you received on the sale of the home and you subtract what you paid initially and that forms a basic part of the basis for how you calculate the capital gains tax? Currently I'm in the Florida Drop System for retirement since I'm a government worker. I've got about $180,000 set aside in a credit union for savings and was earning 3.5% interest on a variable rate, but now it's earning close to 2.75%. I didn't know if it would be a good idea to move that money or some of that money to somewhere different to see if I could earn more money during this time. What are your thoughts? I'm hearing some new teaching recently that tells me that we're not under the law anymore and therefore aren't required to tithe anymore. According to the New Testament, they are saying we are called to give according to what we have decided in our heart. What do you think? Resources Mentioned:BankrateRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.

When it comes to being able to retire someday, what’s more important? How much you make? Or how much you save? On today's Faith & Finance Live, host Rob West will welcome Ron Blue to share a story that should inspire you if you worry that you don’t make enough to retire. Then Rob will take your calls on various financial topics. See omnystudio.com/listener for privacy information.

WHAT DOES IT MEAN TO LIVE A CHRISTIAN LIFESTYLE WITH REGARDS TO MONEY?Living a Christian lifestyle with money involves having the right attitude towards it, regardless of the amount one possesses. This perspective transcends the amount of wealth and focuses on the heart and obedience to God's principles on financial management.It's about the attitude and obedience rather than the amount of wealth.Lifestyle controversies often stem from misunderstandings of biblical teachings on wealth.True obedience involves aligning one's financial decisions and lifestyle with biblical convictions. HOW CAN WE INTERPRET THE BIBLICAL RANGE OF WEALTH AND POVERTY?The Bible presents a wide spectrum of financial statuses among believers, from extreme wealth to significant poverty. Key lessons from these narratives emphasize the believers' heart posture and faithfulness in stewardship, rather than the material wealth itself.Scripture showcases both wealthy individuals and those living in poverty, focusing on their faithfulness and heart posture towards God.The widow's mite is highlighted not for her poverty but for her willingness to give all she had, demonstrating an attitude of complete trust and surrender to God.Wealth or poverty is not inherently righteous or sinful; the focus is on one's attitude and actions with what they are given. IS THE PROSPERITY GOSPEL A BIBLICAL MODEL FOR A CHRISTIAN LIFESTYLE?The prosperity gospel, which often misinterprets scripture to equate faithfulness with material wealth, is not supported by biblical teachings. The true biblical model emphasizes forgiveness, contentment, and stewardship over material gain.The prosperity gospel misuses scriptures, such as Luke 6:38, which in context, speaks about forgiveness rather than financial blessings.True biblical prosperity is found in spiritual richness and obedience to God's commands, including living a life marked by forgiveness and generosity. WHAT SCRIPTURES OFFER GUIDANCE ON THE APPROPRIATE FINANCIAL LIFESTYLE FOR BELIEVERS?First and Second Timothy provide clear guidance on a Christian's approach to finances, emphasizing the importance of provision for one's family, enjoyment of God's blessings with a giving heart, and contentment regardless of one's financial state.Believers are called to provide for their families, enjoy God's blessings, and live in contentment.Paul's teachings in Philippians show that contentment in Christ transcends financial status, focusing on trust and strength found in God rather than material wealth.A Christian's financial lifestyle is marked by obedience, stewardship, and a heart aligned with God's purposes, rather than the pursuit of wealth for its own sake. WHAT ARE THE CHARACTERISTICS OF A CHRISTIAN FINANCIAL LIFESTYLE?A Christian financial lifestyle is characterized by provision for one's family, enjoyment of God's gifts within the context of giving, and contentment with what one has, as instructed in First and Second Timothy and Hebrews.Provision, enjoyment, and contentment are key elements of a Christian financial lifestyle.These principles guide believers to focus on what truly matters: faithfulness in stewardship, generosity, and a heart content with God's provision.The biblical model does not prescribe a specific spending or saving percentage but encourages a prayerful and obedient approach to financial management, seeking God's wisdom and guidance in all things. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I discovered an unknown American Express account on my credit report from 2017 that I did not open. What steps should I take to address this issue?I'm nearing retirement and currently contribute 5% to my 401k. Should I increase my contribution to 25-30% to maximize it before I retire?I recently inherited a non-qualified annuity and was given only two options for distribution. Is it possible to leave the annuity in for the life term, and how can I find out more about this?My father gave us a timeshare many years ago, which we no longer want. After failing to exit the timeshare through paid services, we were advised legally to just stop paying the maintenance fee. Is there another solution? RESOURCES MENTIONED:FTC article: What To Know About Credit Freezes and Fraud AlertsRemember, 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.

Are you living a Christian lifestyle with your finances? It’s not about how much or how little you have. Living a Christian lifestyle means you have the right attitude about money. On today's Faith & Finance Live, host Rob West will welcome Ron Blue to explore what the Bible says about the right financial lifestyle for a Christian. Then Rob will tackle your calls and questions. See omnystudio.com/listener for privacy information.

I'm excited to have my friend, Ron Blue, joining me in this episode as we delve into five timeless money principles. Ron has 50+ years experience and financial wisdom rooted in scripture and is the author of over seventeen books and the founder of various financial companies and ministries, including the Ron Blue Institute, and he continues to be active and impactful. With decades of experience, Ron emphasizes the spiritual aspect of managing money for God's purposes. So, let's explore these foundational habits that remain transcendent and crucial, shaping a prosperous and purpose-driven financial journey. In this episode, John and Ron discuss: The five timeless money principles that never go out of styleThe challenges of money managementPlanning for a secure financial futureBreaking the grip of materialismKey Takeaways:Living within your means is not just about financial prudence, but also a reflection of stewardship over what you've been entrusted with by God.Maintaining liquidity through savings provides flexibility for handling emergencies and unexpected expenses, contributing to financial security and peace of mind.Understanding the types of debt and adhering to principles like not presuming upon the future and counting the cost helps make wise financial decisions and avoid unnecessary obligations.Planning for the future involves not just spending less but also setting specific, achievable goals, ensuring financial decisions align with those objectives, and providing a roadmap for financial independence.Generosity isn't just about giving money; it's about breaking the power of money over your life and recognizing that true wealth is found in a spirit of giving and service.“Have some accountability in your life when it comes to money because it's difficult to stay the course when you have so many things pulling at you.” — Ron Blue CONNECT WITH RON:Website: https://ronblueinstitute.com/Books: https://www.amazon.com/Books-Ron-Blue/s?rh=n%3A283155%2Cp_27%3ARon+BlueCLICK ON THE LINKS BELOW MORE MONEY MADE FAITHFUL!VISIT MONEY MADE FAITHFUL: https://moneymadefaithful.com/GET FREE RESOURCES when you join THE HUB: https://moneymadefaithful.com/resource-library-access/Landing-pageBOOK A WORKSHOP & DETAILS: https://moneymadefaithful.com/money-made-faithful-workshop-2/Landing-pageINVITE JOHN TO SPEAK at your conference, church, or event: https://moneymadefaithful.com/servicesSPECIAL SAVINGS ON JOHN'S BOOK, 'He Spends She Spends' and the small group guide: https://moneymadefaithful.com/shopFOLLOW US ON FACEBOOK: @MoneyMadeFaithfulFOLLOW US ON INSTAGRAM: @MoneyMadeFaithfulIf this blessed you today, please Subscribe, Leave a Review, and Share with someone who you believe will benefit from this message!

Ron Blue is the co-founder of Kingdom Advisors, author of a shelf-full of books on biblical finance, including Master Your Money. HELPING A DAUGHTER WHO'S GOING THROUGH A DIVORCE: WHAT'S THE BEST APPROACH?Support must be dynamic, adapting as circumstances change.Emotional, spiritual, and financial challenges intertwine, requiring sensitive navigation.Equitable treatment among siblings means addressing each child's unique needs, especially in crisis. HOW DID YOU AND JUDY DECIDE ON THE EXTENT AND MANNER OF HELP?The decision on how much to help was made progressively, acknowledging the fluid situation post-divorce.The process involves constant reassessment based on changing needs and situations.Supporting a child who feels like they've failed requires careful emotional and financial consideration.The principle of loving your children equally but treating them uniquely guided their approach, especially in allocating resources differently from other siblings. WHAT DID THE JOURNEY TO REESTABLISHING SELF-SUFFICIENCY FOR YOUR DAUGHTER LOOK LIKE?The path to self-sufficiency was gradual, spanning several years until she remarried and established her career.Support extended beyond financial help to include significant time spent babysitting and being involved in her and her son's life.The closeness to their grandson is a testament to the time and care invested during this period. HOW SIGNIFICANT WAS PRAYER IN THIS PROCESS?The power of prayer and the support of friends played a critical role in navigating the challenges of divorce and single parenthood.Ron Blue emphasizes the importance of adaptability, empathy, and a tailored approach when supporting a family member through divorce, underpinned by a strong foundation of prayer and support. ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I found out my 403(b) contributions stopped without my knowledge, and now I have $49,000 sitting unmanaged; what should I do with this account moving forward?My daughter, who has moved away from her faith, wants to buy land in a foreign country and is asking for a significant financial contribution from us; how should we handle this as believing parents?I'm considering investing in a fixed index annuity offering a 40% initial bonus and subsequent returns based on interest rates; is this a good investment for me?I acquired two properties through a 1031 exchange and want them to transfer to my son upon my death without tax implications; how can I ensure this happens smoothly? RESOURCES MENTIONED:Find a Certified Kingdom Advisor 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.com where 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.

Divorce is always a tragic thing—but it’s even more so when it happens to your child. So, naturally, parents who see a daughter go through a divorce have some tough questions to answer, like how much do we help and for how long? On today's Faith & Finance Live, host Rob West will talk with financial teacher Ron Blue to get his views on this topic. Then, Rob will tackle your financial questions. See omnystudio.com/listener for privacy information.

Ron Blue is a venerated pioneer in the field of Christ-centered financial planning and a luminary in the greater generosity movement. With a storied career spawning the establishment of the 56th largest CPA firm in the nation, and a financial advisory firm now with over $60 billion in assets, Ron has impacted countless lives through a unique blend of financial acumen and spiritual wisdom. After rooting his own advisory firm, Ronald Blue Trust, in a biblical framework for financial planning, Ron went on to found Kingdom Advisors, a network of over 3,000 kingdom-minded financial professionals. Today, Kingdom Advisors provides comprehensive training and certification to help financial practices of all kinds solidly integrate their faith and financial advice. Ron is also co-founder of the National Christian Foundation, which carries a similar mission to inspire and empower Christians to deeper generosity and effectiveness in their giving. Ron shared countless stories of generosity of all flavors as well as a unique picture of the development of the modern generosity movement over the last several decades. Topics include: How can faith and financial planning be integrated in a meaningful way? Why is a financial finish line such a powerful tool? How do you introduce a new person to the idea of a finish line? How should someone think about legacy and inheritance from a biblical standpoint? How can parents pass on a spirit of generosity to their children? QUOTES TO REMEMBER We help people manage their finances so they have more to give away. They don't know how fine they're doing and they don't know how much they can give. If you want to give away a million dollars, I can help you do that. You can make good financial decisions using good biblical wisdom. Tithing is just the beginning point of giving. We get great joy from giving nondeductible gifts. The deduction is irrelevant. The more generous we've been, the more generous we tend to become. You can't take someone somewhere you haven't been. Generosity is symptomatic of transformation. When you say that God owns it, that is a life-changing decision. If you don't have a goal, you'll never get there. Where is it that you would like to end up? If you're dependent on your money for security, you don't have security. It's really out of assets that great giving occurs. If I love my children equally, I will treat them unequally (regarding inheritance). Do your giving while you're living so you're knowing where it's going. People give to where they have relationships and where they can share vision. Kids learn to manage money by managing money. LINKS FROM THE SHOW Ronald Blue and Company Ronald Blue Trust (Blue Trust) Kingdom Advisors National Christian Foundation (see our interview with President Emeritus, David Wills) Master Your Money by Ron Blue Halftime by Bob Buford Splitting Hairs, by Ron Blue Cru The Finish Line Community Facebook Group The Finish Line Community LinkedIn Group WE WANT TO HEAR FROM YOU! If you have a thought about something you heard, or a story to share, please reach out! You can find us on Instagram, Facebook, and LinkedIn. You can also contact us directly from our contact page. If you want to engage with the Finish Line Community, check out our groups on Facebook and LinkedIn.

Ronald Blue Trust is proud to announce the name change to Blue Trust. In this episode, Blue Trust financial advisor, Bethany Frymire, leads a conversation with Blue Trust CEO, Nick Stonestreet, Blue Trust Chief Mission Officer, Russ Crosson, and the founder of the firm, Ron Blue, as they discuss the why behind the name change, and what this will mean for the future of the firm. To learn more visit http://www.BlueTrust.com Join us on our YouTube Channel or wherever you listen to podcasts.Facebook: https://www.facebook.com/bluetrustfinancialLinkedIn: https://www.linkedin.com/company/bluetrustwealth Instagram: https://www.instagram.com/_bluetrust Twitter: https://twitter.com/_BlueTrust YouTube: https://youtube.com/@BlueTrustChannel?si=whAi86bNm5NN7co0Apple: https://podcasts.apple.com/us/podcast/wisdom-for-wealth-for-life-the-podcast/id1602381870Spotify: https://open.spotify.com/show/2CjfTonCCMWYn506kPsylBAmazon: https://music.amazon.com/podcasts/121d5f25-036e-408f-98c4-d8f35df321cbiHeartRadio: https://www.iheart.com/podcast/269-wisdom-for-wealth-for-life-90932571/The information in these podcasts is provided for general educational purposes only.  It is not intended as specific individual advice. The clients' experience may not be representative of the experience of other clients, and they are also not indicative of future performance or success. Opinions expressed may not be those of Blue Trust.Trust and investment management accounts and services offered by Blue Trust, Inc. are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, nor guaranteed by any bank or bank affiliate, and are subject to investment risk, including possible loss of the principal amount invested.

Ron Blue is the founder of Kingdom Advisors, our parent organization. He's also the author of a shelf-full of books on biblical finance.Disagreements in marriage, especially on topics like money and faith, are common. Giving can be a contentious issue since it involves both. RON BLUE'S EXPERIENCE AND ADVICE:Ron shares a personal experience about how his wife's silent example led him to embrace tithing and giving, emphasizing the importance of living a compelling Christian life over pressing the issue.He advises couples to prioritize their relationship and demonstrate a Christ-like life. He suggests mutual submission and finding common ground, even if it means agreeing to the "lowest common denominator" in terms of giving. HANDLING DISAGREEMENTS AMONG BELIEVING SPOUSES:For believing couples who disagree on giving, Ron suggests separating out amounts for individual gifts or passions, ensuring both spouses can contribute to causes they are passionate about.He emphasizes keeping the relationship central and finding a win-win solution that accommodates both spouses' interests and passions. ADDITIONAL BIBLICAL CONTEXT:Ephesians 5:21-22 says, “Submit to one another out of reverence for Christ. Wives, submit yourselves to your own husbands as you do to the Lord” And then in verse 25, “Husbands, love your wives, just as Christ loved the church and gave himself up for her.”Ron discusses the understanding of this as mutual submission to one another, not one dominating or domineering over the other. The real issue isn't necessarily tithing, but how to live out a Christian life and maintain unity in the marriage. On today's program, Rob also answers listener questions: Should I keep my $80,000 in a savings account earning 4% or use it to pay down my mortgage faster, considering I have an emergency fund and am contributing to a 401(k)?I'm 66, widowed, retired, and have various financial assets and a debt on my RV trailer; how can I best manage my scattered financial situation, including what to do with my annuity and life insurance policies?I financed a car last year and have been offered a refinance option at a lower monthly payment but with a longer term; should I take this deal to also get some money back from maintenance coverage for a rainy day fund? RESOURCES MENTIONED:Find a Certified Kingdom Advisor 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.

Giving can be an especially difficult topic for some couples because it involves two issues that are often contentious in their own right–money and religion. So, how can you get on the same page with your spouse about important things like giving? On today's Faith & Finance Live, host Rob West will welcome Ron Blue to talk about what couples should do when they disagree on giving. Then Rob will answer your financial questions. See omnystudio.com/listener for privacy information.

Ron Blue is co-founder of Kingdom Advisors and the author of several books on personal finances from a biblical perspective, including Never Enough?: 3 Keys to Financial Contentment. Ron published a video series a while back for Kingdom Advisors that revealed 3 questions everyone needs to answer. 3 KEY QUESTIONS: 1. WHO OWNS IT?  This question is so foundational because until you answer that question, you don't know the difference between the steward and the owner. And when I say I own it, then I can do whatever I want with money. But if I say God owns it, now my actions change because I know that I'm managing someone else's resources. Answering that question will not only change your behavior; it will change your life. 2. HOW MUCH IS ENOUGH?  Those of us in the United States live in the wealthiest nation in the history of the world. Even those of us who don't consider ourselves “wealthy” by American standards enjoy a higher standard of living than most everyone else in the world. A recent golf tournament awarded the winner $3.6 million dollars. There's nothing inherently wrong with the winner receiving that money. But the question is: How much is enough? Is there an amount that when you reach it, you're done? Or do you keep pushing for more because there's always someone ahead of you? In other words, unless you have a finish line, you'll never truly have contentment. 3. IS THE NEXT STEWARD CHOSEN AND PREPARED?  Again, we live in a wealthy culture. Let's just take the average person, if you will, who owns a home. If they died of old age, then they've had a retirement plan, perhaps, and they own a home and they're debt free. Then somebody's going to need to manage the money and assets left behind after your death. It's a really good idea to know who that is, and make sure that they're prepared. And the reason that's so important is because you're really transferring God's possessions and God's money. So you want to make sure you're transferring it to someone who considers themselves to be a steward and accepts that responsibility.  On today's program, Rob also answers listener questions: Is there a legitimate way to have student debt forgiven or lower the interest rates on your student loans? If you receive a notice that your home's escrow account is insufficient, should you pay a lump sum or just accept a larger mortgage payment? Does investing in an annuity ever make sense? Can you switch a whole life insurance policy to term life at age 74? Is it a good time to buy bonds?  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.  

Ron Blue, the father of biblically based finance,  joins Michael to talk about Biblical financial wisdom to last a lifetime. Links Mentioned: The Ron Blue Institute Master Your Money by Ron Blue Splitting Heirs by Ron Blue Generous Living by Ron Blue To read the full show notes, click here.