Podcasts about Steward

Getting fit takes willpower. Earning a degree takes determination. Reaching your career goals takes hard work. In short, success takes commitment.And the same is true when it comes to your finances. Today, we'll explore what changes when you commit to managing money God's way.You've heard the saying, “Things worth doing are worth doing well.” And when it comes to your finances, there are certainly some things worth doing—like saving for the future, creating a spending plan, paying down debt, giving generously, and living with honesty and integrity.If you want to see real results in any area of life, it's going to take effort—sometimes a lot of it. And that's true for your financial life, too. Following biblical financial principles takes determination, planning, patience, and even sacrifice. So, why is it worth the effort?Because while commitment requires something of us, it also gives something to us. When we live with faith and integrity in our finances, we experience peace, contentment, and even joy. It's not just about doing the right thing—it's about being transformed more and more into who God wants us to be.Joining God in His WorkWhen you honor Him with your finances, you join in His work, bringing mercy and blessing to others. And as you experience His provision personally, your faith deepens, and your story becomes a testimony to encourage others.The Bible is filled with examples of faithful commitment. Hebrews chapter 11 is sometimes called the “Hall of Faith” because it highlights men and women who trusted God, even when they couldn't see the outcome. Abraham, Moses, Rahab—they placed their hope in God's promises before Christ ever came.But the ultimate example of commitment is Jesus Himself. Hebrews 12:2 says:“For the joy set before him, he endured the cross, scorning its shame, and sat down at the right hand of the throne of God.”A Savior who gave everything to redeem us is more than worthy of our full devotion in return.Faith lies at the heart of such a commitment, especially when it comes to finances. Hebrews 11:1 defines faith as:“Confidence in what we hope for and assurance about what we do not see.”That means trusting God's promises, even when circumstances feel uncertain.Who's Really in Charge?So, committing to manage money God's way starts with faith, but it also requires surrender. That means asking: who's really in charge—me, or the Lord?In Matthew 6:24, Jesus says:“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”That's a heavy reminder for all of us. We can't be fully committed to both God and money. One will always take priority, and when it's not the Lord, we will feel that tension.Here are a few honest questions to consider:Do financial worries consume your thoughts?Do you find yourself chasing more and more money, more stuff, more status?Is your sense of security tied to your job or investments?If you answered yes to any of those, you're not alone. Many of us wrestle with divided hearts. It's easy to lean on what we can see, especially when life feels uncertain. But money, career, or comfort can never offer the lasting peace only God provides.Choosing to follow God's financial principles takes daily trust and perseverance. Galatians 6:9 offers this encouragement:“Let us not grow weary of doing good, for in due season we will reap, if we do not give up.”Another gift of commitment is the encouragement we receive from God's people. You weren't meant to follow Jesus—or manage your finances—on your own.Colossians 3:12–15 paints a powerful picture of Christian community:“As God's chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience… Let the peace of Christ rule in your hearts, since as members of one body you were called to peace.”If you've ever felt like giving up on your budget or putting off your giving goals, you're not alone—we all face struggles. But if everything were easy, we'd never grow stronger.Walking With YouThat's why we're here at FaithFi—to walk alongside you. Whether you're just starting out or have walked this path for a long time, we want to offer help rooted in grace, wisdom, and truth.Most of all, we want you to experience the joy of following Jesus with every part of your life, including your finances. Because true freedom doesn't come from having more—it comes from trusting the One who gave everything for you.On Today's Program, Rob Answers Listener Questions:I turned 65 in March and am now eligible for Medicare; however, I remain employed and have employer-sponsored health insurance that includes an HSA, which I continue to contribute to. I've received conflicting information—can I delay Medicare enrollment and still have both my employer and I contribute to my HSA?I'm a 73-year-old widow and have been retired since 2017. When I retired, I rolled my 401(k) into an IRA, and that money is currently sitting in a Fidelity money market account. I also have an emergency fund with about $50,000. Given my situation, what would you recommend I do?I'm a recent immigrant to the U.S. and travel frequently to visit family abroad, which has led to long employment gaps. Even though I have an excellent credit score, I'm having trouble getting approved for housing because landlords and lenders want to see consistent income. Is there a way to circumvent this challenge?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What does it mean to design a family legacy with intention? And how do you make sure that legacy is rooted in faith? Today, we're talking about the legacy you'll leave behind—and how to shape it while you still can. Jan Thompson joins us to share how you and your family can ensure your faith is reflected in what you leave behind.Jan Thompson is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and the co-founder of One Degree Advisors with over 30 years of experience in financial planning, where she specializes in purposeful financial planning, investment management, and multi-generational legacy coaching. Legacy Is More Than MoneyWhen people hear the word “legacy,” most think of money or assets passed down after death. But that's only one part. Here are five interconnected aspects of legacy:Financial Legacy – Assets and resources passed on to the next generation.Personal Legacy – Your character, life choices, and how you'll be remembered.Family Legacy – The stories, traditions, and values shared through generations.Business or Ministry Legacy – The mission, culture, and influence of your work.Kingdom Legacy – The eternal impact of your life through faith, generosity, and gospel-centered living.When families neglect the non-financial elements, their wealth is often left without context, and that's when legacies tend to fail. The legacy failure rate is alarmingly high when these pieces are missing.Wisdom Before WealthThe largest wealth transfer in history is currently underway, but statistics indicate that wealth rarely lasts beyond three generations. Why? Here are three reasons:Lack of trust and communication.Unprepared heirs.Absence of shared values or a clear family vision.Wealth is a valuable tool, but without wisdom and unity, it often leads to division. Psalm 78:5–7 provides a beautiful framework for legacy planning across generations:“He established a testimony in Jacob… that they should teach them to their children, that the next generation might know them… so that they should set their hope in God…”These verses highlight three keys to a lasting legacy: remember God's works, share your stories, and live in obedience. Whether through blessings or mistakes, we encourage families to reflect on the ways God has been present in their journey and to discuss it openly.Practical Tools and ResourcesTo help families start this process, you can join a weekly email list at SomewhereOnPurpose.com that will provide you with simple actions to take toward building a meaningful legacy.Remember, legacy doesn't build itself—intentional steps must be taken. And while many families delay because they don't know where to start or feel too busy, procrastination is the “silent killer” of strong legacies.Start today. Expose your family to serving others. Take a mission trip. Engage in a local service project. Let them see the joy of generosity firsthand.Become a FaithFi PartnerRight now, more people than ever are looking for biblical wisdom to navigate their finances. When you become a FaithFi Partner, you help equip believers to trust God and steward His resources for Kingdom purposes.As a Partner, you'll receive:Early access to new resourcesA print subscription to our Faithful Steward magazineThe Pro version of the FaithFi appJoin with your gift of $35/month or $400/year at FaithFi.com/Partner.Together, we can help more families leave a legacy that reflects their faith, not just their finances.On Today's Program, Rob Answers Listener Questions:My aunt was a generous giver throughout her life, but she now has dementia and is in full-time care, which is becoming increasingly expensive. As her guardian, what's the responsible way to honor her lifelong heart for generosity while also making sure her care needs are fully met?A good Christian friend of mine is buried in debt. I've tried to encourage him to experience the freedom of living debt-free, but I'm running out of ways to motivate him. Any advice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonSomewhereOnPurpose.comOne Degree AdvisorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“The purposes of a person's heart are deep waters, but one who has insight draws them out.” - Proverbs 20:5Today, we're kicking off a new series on temperaments, how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman and Traci Shepherd join us to explore the Red temperament and how it influences our financial decisions.Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.Traci Shepherd is our Red Temperament representative for this episode. What Are the Four Temperaments?For those who are new to the concept of the four temperaments, here is a helpful summary:Yellow (Sanguine): Speaks the language of people and fun – an extroverted, people-oriented personality.Red (Choleric): Speaks the language of power and control – an extroverted, task-oriented personality.Blue (Melancholic): Speaks the language of perfection and order – an introverted, task-oriented personality.Green (Phlegmatic): Speaks the language of calm and harmony – an introverted, people-oriented personality.Each temperament influences how we speak, listen, behave, and manage our finances.The Red Temperament: Driven and DecisiveReds are typically goal-oriented, confident, and solution-focused. They don't just talk about getting things done; they make it happen. In relationships, this drive often leads them to step in and take over when others hesitate. But that same strength can become a weakness if it turns into controlling behavior rather than collaborative leadership.The Red temperament often feels the need to fix things. This framework helps them see the strength behind that impulse and offers tools to balance their drive with empathy.Red Temperament and Money: It's All About the PlanReds tend to view money as a means to accomplish their goals. They prefer clarity, efficiency, and structure. But they may clash with other temperaments—for instance, a Yellow, who values fun, spontaneity, and experiences.Rather than labeling other spending styles as wrong, having this awareness can enable more honest conversations, especially in relational tensions within areas like finances. Strength with Compassion: Communication Tips for RedsReds bring immense value to financial decision-making. Their clarity of vision and drive for results help families and teams move forward. Reds are bullet-point, bottom-line thinkers, but that doesn't mean they've ignored the details. They're often 10 steps ahead.To foster healthier communication, Kathleen encourages Reds to:Pause before respondingAsk questions with curiosity (“What do you think?” or “How do you feel about this?”)Listen to understand, not just to replyThese simple shifts can transform conflict into connection.The Emotional Needs of a RedReds have core emotional needs that must be honored, especially in financial conversations:Loyalty—Knowing others have their back.Sense of Control—Either having control or trusting someone else is in control.Appreciation—Being valued for their strengths.Credit for Work—Recognition for their contributions.When these needs go unmet, Reds can respond with frustration or harshness. However, when those needs are met, they become dynamic and inspiring leaders.What to Remember if You or Someone You Love is a RedRemember that your wiring is a gift. But don't rush ahead. Bring others with you. It's not about controlling; it's about being prepared and feeling safe.And for those in a relationship with a Red? Remember, they're not trying to be harsh. They just want to know the plan.Want More?Reds are uniquely wired to be visionaries. When they lead with both confidence and compassion, transformation happens in conversations, relationships, and financial decisions.As we continue this series on temperaments and money, we'll explore how each personality type contributes to God-honoring stewardship. When every voice is heard, and every strength is valued, we grow not just in wisdom but in unity.Read Kathleen's full article on how the four temperaments shape our financial decisions in the latest edition of Faithful Steward. Receive your copy each quarter by becoming a monthly partner at $35 a month or $400 a year at FaithFi.com/give.On Today's Program, Rob Answers Listener Questions:My husband and I sold our primary home last year and are now looking to invest in multifamily real estate. I also run my business out of another property we own, which still has a $180,000 mortgage with a 3.75% interest rate. We're considering doubling our monthly payments to pay it off early. Would that be a wise financial move?My 68-year-old friend has a whole life insurance policy with a cash surrender value of $36,000. How can that money be accessed, and what happens to the policy if it's surrendered or discontinued?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

As we continue to think about becoming a faithful steward, this next portion of Scripture addresses several kingdom principles of stewardship. As Jesus continues to instruct His disciples, we discover that there are also Pharisees nearby who were listening to this teaching. Taking a moment to address them, Jesus reprimands them for the condition of…

Sermon Study Guide: https://page.church.tech/279c8c50-------Join Lead Pastor Grant Roe as he explores the transformative power of adopting the mind of Christ in this enlightening sermon. Dive into learning how to renew your mind through the Holy Spirit. Learn biblical insights from 1 Corinthians and Philippians, and understand the importance of aligning your thoughts with God's truth. Don't miss this opportunity to experience peace and transformation by putting on the mind of Christ.

Today we're studying D&C 70:4 in just one minute! Grab your scriptures and let's dive into them together! And grab study guides for the whole family here:  - Kristen's scripture study guides are available here: https://kristenwalkersmith.com/starthere/ - To get Cali's scripture study guide for adults click here:  https://comefollowmestudy.com/shop/ Discount code: OMSS Or purchase on Amazon: https://a.co/d/gfAR2iQ Get our 365-day Doctrine and Covenants daily devotional book: https://a.co/d/aE3Wp4D

“Everyone also to whom God has given wealth and possessions and the power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.”  - Ecclesiastes 5:19What if true joy doesn't come from gaining more, but from gratefully receiving what God has already provided? Today, John Cortines joins us to explore what he calls the Cycle of Grateful Living—and how it transforms our approach to money and contentment.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 Heart of Ecclesiastes: Joy as a GiftEcclesiastes 5:18–20 forms the foundation of our new Wisdom Over Wealth study:“It is good and fitting to eat and drink and find enjoyment in all the toil... this is God's gift to man... God keeps him occupied with joy in his heart.” - Ecclesiastes 5:18–20These verses, nestled within the longest section on money in the book, offer a radical invitation: rather than striving for more, we're called to enjoy what we've already received. Even the ability to enjoy life's blessings is a divine gift.Introducing the Cycle of Grateful Living: E.A.T.To help us live out this vision, here's a simple acronym from Ecclesiastes 5:19: E.A.T.—Enjoy, Accept, Toil.Enjoy God's ProvisionEverything we have—our wealth, relationships, health, and even the capacity to enjoy them—is a gift from God. Acknowledging this turns entitlement into gratitude and replaces striving with trust. Accept Life's BrevityEcclesiastes frequently reflects on death, not to breed fear, but to awaken us to the preciousness of life. Acceptance of our limits and mortality grants deeper purpose and contentment in the present moment. Toil with JoyWork is not something to escape from. Ecclesiastes calls us to rejoice in our toil. True fulfillment isn't found in early retirement or unending leisure, but in the meaningful work God places before us.What Gets in the Way?Gratitude can often feel elusive in the routines of everyday life. Often, we slip into discontent when we:Take God's provision for grantedIgnore life's brevity and live mindlesslyComplain about work instead of finding purpose in itThe world's promises—especially those of financial independence or early retirement (FIRE)—can become mirages. We've probably all been there, dreaming that if we work hard and save enough, we will someday be free. But that vision of life can be so hollow because the human condition is to be oriented to purpose, to work. Even if you're retired, it's not so you can sit on a beach for 20 years.We were made to participate in God's creative, redemptive work. That's why embracing our toil with joy brings far more satisfaction than escaping it.Wealth Without Joy: A Modern ParadoxWhile many of us live more comfortably than royalty of past centuries—with cars, clean water, air conditioning, and vacations—anxiety and discontent remain widespread.Billionaires are often no happier than the rest of us. Without a grateful heart, even abundance can feel empty.The Cycle of Grateful Living isn't just about how much we have—it's about how we relate to what we have. It teaches us to stop chasing wealth and start engaging with it through the lens of joy, acceptance, and purpose.From Ecclesiastes to Jesus: A Unified MessageJesus echoes the wisdom of Ecclesiastes in Luke 12. He reminds us of the birds and flowers—simple creatures that don't worry, yet are lovingly provided for by God.“Consider the lilies, how they grow... If God so clothes the grass... how much more will he clothe you, O you of little faith!” - Luke 12:27–28James 1:10–11 also makes a similar connection where riches are likened to wildflowers—beautiful for a moment, but quickly fading. The message is clear: our time is brief, but God is faithful.So, how should we respond? By living present to God's provision, content in our limitations, and faithful in our work.Ecclesiastes 5:20 offers a powerful conclusion:“He will not much remember the days of his life, because God keeps him occupied with joy in his heart.”What does this look like practically? It's about presence. A life that's not dominated by worry or comparison, but one that's centered on Jesus. It's a heart too full of gratitude to be caught up in regret.Invite Jesus Christ into this moment. Ask for help to enjoy what He's provided, to accept this season, and to do today's work with joy.Every generation has had its turn. Ours is now. The call of Ecclesiastes is to live wisely in the present, not with frantic striving, but with deep joy, humble acceptance, and faithful effort.We're like the birds and flowers. Here for a precious moment, sustained by the generous hand of God. Let's embrace the Cycle of Grateful Living.Want to Go Deeper?If you're ready to experience joy in the everyday and live a grateful life rooted in God's wisdom, check out Wisdom Over Wealth, written by John Cortines. This month, when you give a gift of $35 or more, we'll send you a copy as our way of saying thank you for supporting this ministry. Visit FaithFi.com/wisdom to learn more.On Today's Program, Rob Answers Listener Questions:I'm retired and own my home, but I'm facing some financial trouble. A lien was just placed on my house, and I'm worried I might lose it. I also have more than $3,000 in credit card debt, and I'm unsure of the following steps to take.I was recently at the bank and they offered me a HELOC, even though I don't really need one. They ran a hard credit check, and I noticed the credit score they showed was over 20 points lower than what I had seen on my own report. Why is there such a big difference?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” - Luke 16:11What if managing money is about more than just numbers and budgets—what if it's a window into something eternal? Afton Phillips joins us today as we explore the mission behind the message you hear every day on this program, and how you can be a part of it.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind the MissionSo why focus so much on finances?Because how we handle money reveals what we treasure most. At FaithFi, we want to help people experience freedom, peace, and generosity—not just from better budgeting, but from surrendering their hearts to God.It's a message that resonates with people in all seasons of life. Whether you feel boxed in by a budget or anxious about a financial decision, each of those moments is an invitation to reflect on your heart and trust in Christ. We are already living in abundance with the love of Christ.The Common Struggles We All FaceHere are the three biggest challenges that Christians often face when it comes to faithful money management:Trust vs. Security–It's easy to place our hope in financial stability rather than in God.Comfort vs. Generosity–Culture tells us to accumulate, but God calls us to live open-handedly.Identity vs. Worth–We're constantly tempted to measure our value by our bank accounts rather than who we are in Christ.That's why the resources we offer—from our studies to our podcast—aren't just about financial literacy. They're about spiritual formation. The concepts we talk about are an intentional reset. They help us move away from the emptiness of accumulation and toward peace that's rooted in Christ.Why Ecclesiastes Still Speaks TodayFaithFi's newest Bible study, Wisdom Over Wealth, takes readers through the book of Ecclesiastes. This book speaks directly to our modern struggles with meaning, anxiety, and financial pressure.There may not be another book in the Bible that talks about death more, so it really forces you to ask: What really matters? When you realize how short life is, you start to live more intentionally, and that includes how you manage your finances.Rather than treating money as ultimate, Ecclesiastes helps us see it as a gift. Something to be enjoyed, yes—but also stewarded wisely under God's authority.FaithFi's Tools for the JourneyIf you're new to FaithFi, here's a quick look at the resources we offer to help believers apply biblical wisdom to their financial lives every day:Radio + Podcast: Our daily conversations bring timeless biblical wisdom into your financial life.FaithFi App: A free, easy-to-use budgeting tool that helps you align your spending with eternal values—and includes a community of other believers on the same journey.High-Quality Articles and Content: Each week, we share insightful content from leading voices in Christian finance, designed to help you connect your faith with everyday financial decisions.Bible Studies + Devotionals: Deep dives into Scripture that explore God's heart for money and stewardship.Faithful Steward Magazine: A beautifully designed quarterly publication filled with quick reads, practical tips, and theological insights.How You Can Support the MissionAs we approach the end of our fiscal year (June 30), FaithFi is inviting listeners to join our mission by becoming a FaithFi Partner.Here's what your partnership makes possible:Continued production of biblical, practical resources like this radio program.Expansion of studies and devotionals that transform lives.Investment in tools like the FaithFi app that meet people where they are.A monthly gift of $35 or an annual gift of $400 qualifies you for our FaithFi Partner Program. That means you'll receive:Two studies or devotionals each yearThe Faithful Steward magazine, each quarterPro access to the FaithFi appMinistry updates and a sense of shared purpose in Kingdom workWe know this message has the power to change lives because we've seen it. When Christians align their hearts with God's design for money, they can have a global impact.We're incredibly grateful for those who make this ministry possible. If you'd like to become one of the 50 new partners we're praying for this month, visit FaithFi.com/give today. Let's help more people see God as their ultimate treasure.On Today's Program, Rob Answers Listener Questions:Besides the annual percentage rate, what other factors should I compare when shopping for a mortgage? Additionally, is there a typical range for origination fees and closing costs?My husband and I are struggling to tithe because we disagree with how our church is spending the money. We feel like we're the only ones concerned, and it's hard to give when we believe the funds could be used more wisely. Are we in the wrong for feeling this way? Should we continue tithing anyway?I contributed to a traditional IRA, thinking it was a wise move, but now that I'm retired, I'm in a higher tax bracket than when I earned the income. Are there any strategies to reduce the tax burden in this situation?I want to help my child purchase their first home. Would it be more cost-effective to cosign on their mortgage, or take out a home equity loan myself and pay off the mortgage directly while they repay me? I'm trying to minimize closing costs and fees.I've been hearing more about deed fraud lately. What steps can homeowners take to protect their property from being targeted?Someone told me I might be eligible to collect Social Security based on my husband's record. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Today we talk with Scott Danner, EVP and Head of Legacy at Steward Partners, about helping advisors transition their practices while preserving what makes them successful. Scott shares how Steward approaches M&A with empathy, flexibility, and a focus on culture fit—offering both sell-and-stay and sell-and-exit models that prioritize continuity, relationships, and advisor freedom. Scott also … Continue reading Episode 278 – Helping Advisors Live Their Legacy with Scott Danner →

“Then I saw that all toil and all skill in work come from a man's envy of his neighbor. This also is vanity and a striving after wind.” — Ecclesiastes 4:4Ecclesiastes shows us how even good work can go wrong when driven by envy. What starts as diligence can quickly become a pursuit of status. Today, we'll look at how chasing approval leaves us empty—and how God invites us into something much greater.The Idol of StatusThe Bible Project says Ecclesiastes “targets all the ways we try to build meaning and purpose in life apart from God.” It gives voice to the Preacher, who carefully exposes the emptiness of paths like pleasure, wealth, and status. In recent weeks, we've looked at the idols of pleasure and accumulation. Today, we turn to the idol of status.This one can be harder to spot. The line between excellence and envy is thin. Ecclesiastes 4:4 says, “Then I saw that all toil and all skill in work come from a man's envy of his neighbor.” That's a striking thought. Our motivation may not be love of the work or calling—it's often the quiet urge to compete. To keep up. To be seen.That's what status does. It whispers, You're not enough—unless others notice you. And without realizing it, our careers, spending, and even our generosity, can become ways of proving our worth.“Keeping up with the Joneses” isn't just a saying—it's a way of life for many. We compare houses, vacations, schools, and the pressure to match others can lead to debt, burnout, and dissatisfaction with what God has already provided.And in our digital age, the pressure's amplified. Social media showcases only the highlight reel, not the debt, exhaustion, or stress that often accompany it. But we still scroll and wonder, “Why not me?”A Better Way ForwardEcclesiastes answers that longing with honesty. In verse 8, the Preacher describes someone who works tirelessly, builds wealth, but has no one to share it with: “There is no end to all his toil, and his eyes are never satisfied with riches…” It's a picture of success without joy. Activity without peace. A full schedule, but an empty soul.However, he then offers a better alternative. In verse 6, we read: “Better is a handful of quietness than two hands full of toil and a striving after wind.” In other words, it's better to have less with peace than more with anxiety. That's not laziness—it's wisdom. A life lived with margin, grounded in God's provision.Work as Worship, Not PerformanceThis is the invitation Ecclesiastes extends: not to give up on excellence, but to anchor it in the right place. When our work flows from a love for God and a desire to serve others, it becomes a blessing, not a burden. It becomes worship.We don't need applause—we need peace. And in Christ, we already have it. His approval is not based on performance. It's based on grace. That frees us from striving to be seen and lets us rest in being known.Maybe that's where you are—tired, overextended, wondering what you're chasing. Ecclesiastes invites you to step off the treadmill of comparison. You don't have to strive for identity. You already have it in Jesus.We often see examples of this. A professional sacrifices evenings and weekends to climb the corporate ladder, only to feel lonely at the top. A family maxes out their budget to project an image, while tension quietly builds at home. These aren't just stories—they're warnings. And they echo Ecclesiastes' caution about what we're trading in our pursuit of more.Sometimes this isn't just about envy. It's about fear—fear of being unseen, of being left behind. So we push harder, hoping success will quiet that fear. But only God can give the peace we're looking for.Redefining SuccessContentment doesn't mean quitting. It means redefining success. It means anchoring your worth in something that lasts. When you stop striving in vain, your ambition gets reoriented. Your work becomes more joyful. Your giving becomes more meaningful.So ask yourself today: Who am I trying to impress? What am I really chasing?If your hands are full but your heart is empty, Ecclesiastes invites you to trade performance for peace. True success isn't about being noticed or admired—it's about being faithful with what God has given you. And your worth? It's not something you have to earn or achieve. In Christ, you have nothing to prove because in Him, you are deeply loved, fully known, and eternally valued.Want to Go Deeper?If you want to dig deeper into these themes, we've created a new study just for you. It's called Wisdom Over Wealth, and it explores what Scripture—especially the book of Ecclesiastes—has to say about money, work, and living for what really matters.This month, when you give $35 or more to support the ministry, we'll send it to you as our thanks. Just visit FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:A few commercial solar companies have approached us about leasing part of our land for a solar farm. We've got around 40 acres of farmland. I'm trying to understand what pitfalls or risks we should be aware of before moving forward.I recently left my job as a teacher because I felt the Lord calling me to go to seminary. I have about $35,000 in a retirement fund from my teaching years. Should I leave it where it is, or should I use it to pay off my car and some credit card debt?I have a Medicaid-related question. A family member of mine has a terminal illness and needs more care than we can provide. She doesn't have any assets, and we're hoping to get her on Medicaid. If she's approved, who would be responsible for the medical bills?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

A crypto enthusiast once wrote on Reddit, “Bitcoin is like winning the lottery in slow motion.” That might be a stretch, but one thing's clear: Bitcoin and other cryptocurrencies aren't going anywhere. Today, Mark Biller joins us to unpack how crypto is moving into the mainstream and what that means for investors trying to make wise decisions.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance.Two Big Takeaways for Crypto InvestorsHere are two key insights to help investors make sense of today's crypto market:Bitcoin Stands Apart – It's critical to understand that Bitcoin is not like the rest of the crypto world. It has emerged as a unique and dominant force, with widespread adoption, while other cryptocurrencies remain highly speculative. Bitcoin Has Reached Critical Mass – Thanks to regulatory shifts and institutional adoption, Bitcoin seems to be here to stay. In just a few years, we've gone from government hostility toward crypto to SEC-approved Bitcoin ETFs and even a pro-crypto administration in the White House.Bitcoin was the original cryptocurrency, launched in 2008, and today it represents about 60% of the entire crypto market. It's gained institutional interest and widespread regulatory acceptance. By contrast, the remaining 40% of the crypto universe is fragmented, filled with thousands of projects, many of which will not survive.Think of most other cryptos not as currencies but as startup tech ventures. That helps frame their high risk and their potential for failure. Bitcoin, meanwhile, has arrived. The rest? They're still trying to prove themselves.Bitcoin as an Investment: What's Changed?Many early Bitcoin advocates hoped it would serve as a usable currency outside of traditional financial systems. But that vision has mostly faded. Today, most investors treat Bitcoin like digital gold—a store of value designed to hedge against inflation and the devaluation of fiat currencies.It's volatile, yes. But its built-in scarcity (only 21 million bitcoins will ever exist) appeals to those who fear government overreach or reckless monetary policy. Bitcoin's not just for tech enthusiasts anymore—it's becoming a strategic asset for serious investors.Generational preferences also shape Bitcoin's rise. Younger investors, raised in a digital world of apps and virtual marketplaces, are far more comfortable with digital assets. What gold has long been to older generations, Bitcoin is becoming to younger ones: a hedge against inflation and a symbol of financial independence.In fact, Bitcoin's correlation with gold has grown significantly in recent years, signaling that institutions are viewing it in similar terms.Institutions and Even Nations Are Paying AttentionIt's not just individuals diving into Bitcoin. Global events—especially the 2022 freezing of Russian reserve assets—have prompted many nations to reassess their reliance on U.S. Treasury bonds. The result? A surge in gold buying by central banks, and increasing openness to alternatives like Bitcoin among private investors.While governments aren't yet buying Bitcoin, there's reasonable evidence to suggest that gold investors are starting to “skate to where the puck is going,” diversifying small portions of their portfolios into Bitcoin as a forward-looking strategy.With that being said, should we be concerned about the global shift away from U.S. treasuries?Not immediately. While a shift away from U.S. Treasuries could eventually raise interest rates and borrowing costs, the dollar still holds dominant status in global transactions. But it's a trend worth watching. It's a slow-motion problem—more of a simmer than a flashpoint.So…Should You Invest in Bitcoin?It depends. Investors with a strong risk tolerance and a positive outlook on gold might allocate a small portion (less than 5%) of their portfolio to Bitcoin or Bitcoin ETF's. The key is position sizing—keeping it small due to Bitcoin's extreme volatility.However, we want to be crystal clear: this only applies to Bitcoin, not to the rest of the crypto space, which still carries a high risk of going to zero.If you're curious to explore more, check out the full article, Bitcoin (& Crypto) Go Mainstream: What You Need To Know, at SoundMindInvesting.org. The SMI team also offers a Bitcoin-inclusive ETF for those looking to dip a toe into this asset class as part of a broader, biblically informed strategy.At the end of the day, financial stewardship isn't about chasing trends—it's about making wise, measured decisions rooted in truth. And with the right knowledge, even complex topics like crypto can be approached with confidence.On Today's Program, Rob Answers Listener Questions:I currently have about $1 million in an active 401(k) with a major financial institution. I'd like to transfer those existing funds to another custodian, where I can earn a guaranteed interest rate. However, I also want to continue contributing to my current 401(k) through my employer, taking on more investment risk with those new contributions. Is that possible?My husband and I live with my father-in-law, and the house needs some repairs. He's offered to loan us the money from his retirement account to cover the costs, but he's asking us to help pay the taxes he would owe on the distribution. Is that a wise arrangement?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bitcoin (& Crypto) Go Mainstream: What You Need To Know by Mark Biller (Sound Mind Investing Article)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us a textWelcome to the Builder of All Things Podcast—where we go beyond the pages of the book and explore into the Author's Cut!

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

Acts 22 is a masterclass on sharing your story. God has given you a story. Don't waste your story. Steward your story for God's Glory.

Join us as CityLight’s own Pastor Mo delivers a powerful, practical, and hilarious message on stewarding a prophetic word.  What do you do when God’s promise doesn’t match what you see in front of you?  Instead of relying on our own strength or rushing ahead of God’s timing, Pastor Mo teaches how to walk in wisdom, hold on to hope, and persevere until the Lord’s word is fulfilled. We don’t want to create an Ishmael—a human attempt at a divine promise—and the guardrails Pastor Mo offers will help you stay aligned with God’s purpose.(00:00) The Day After Pill of Prophecy(09:03) Properly Stewarding Prophetic Words(15:25) Navigating Prophetic Words With Wisdom(23:53) Navigating Prophecy Through Life and Time(32:49) Navigating Prophetic Words Through Doubt(44:22) Appropriating God's Promises Through Faith(01:01:03) Connecting Through City Light Church Podcastwww.citylightnyc.com

Hey Friend, Welcome to the Start That Business podcast, where we help Jesus-led career moms turn their expertise into their first coaching or consulting business without quitting their 9 to 5 yet. Are you feeling pulled in every direction while being the mom, wife, and ministry leader God called you to be? You're not alone, mama. In this episode of our Business Book Review series, we're diving into Do More Better by Tim Challies—a game-changing perspective on productivity that's rooted in stewardship, not hustle culture. If you're tired of feeling "behind" and ready to discover how biblical productivity can bring peace to your packed schedule, this episode is for you. We'll explore how to reframe productivity as faithful stewardship, build systems that serve your calling (instead of overwhelming you), and create a grace-filled weekly workflow that honors both your business dreams and your family priorities. What You'll Learn: Why productivity isn't about doing more—it's about stewarding what God has given you How to build simple systems that support your calling without adding stress A practical framework for creating your grace-filled weekly workflow Why God moves through order, not chaos (and how that changes everything) If you're juggling your career, business idea, family life, and ministry—and you're ready to stop feeling guilty about wanting to do it all well—this episode will help you steward your calling with confidence. Ready to dive in? Press play to listen now. I pray this episode helps you take action! .

Luke 16:1-13 The post The Parable of the Unjust Steward appeared first on Pillar Baptist Church.

In Luke 15, Jesus told parables about things that were lost—a lost sheep, a lost coin and two lost brothers. Here in Luke 16, Jesus continues His parabolic teachings focusing on the idea of stewardship. This first parable is arguably one of the most difficult parables in all of Scripture to understand. Darrell Bock argues…

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.All jokes aside, failing to file your taxes for several years is no small matter—but it's not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).Start With the Present, Not the PastThe further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you're attempting to come into compliance, not ignoring your obligations.Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year's return also goes unfiled.Of course, COVID didn't help as many people have been struggling since then to get back on track.Do You Always Have to File?A common misunderstanding is that you must always file. If you're not going to owe anything, you don't have to file. That includes many senior citizens who live solely on Social Security.However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited.Importantly, there's a difference between not filing and not paying. Sometimes you don't know what you owe—or if you owe—until you file.Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don't, you might receive a letter saying you owe thousands in capital gains tax—money you could've avoided paying.How to Begin the ProcessIf you're unsure how many years you've missed, a good first step is to request a Wage and Income Transcript from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “IRS wage and income transcript.”Even with transcripts in hand, deciphering them can be complicated. That's why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a Certified Kingdom Advisor (CKA) in your area who specializes in tax planning and preparation by going to FaithFi.com and clicking “Find a Professional”. Also, it's helpful to know that the IRS's own handbook, the Internal Revenue Manual, usually requires only the last six years of returns to be filed. That's a helpful limit for those unsure where to begin.The IRS Will Work With YouDon't let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability.Filing late taxes doesn't have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We want to pay off this card, but we're making no progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Kevin Cross (CPA)Internal Revenue Service (IRS.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“The wicked borrow but do not pay back, but the righteous is generous and gives.” – Psalm 37:21When someone owes you money and doesn't repay it, emotions can run high—frustration, hurt, and even resentment. Whether it's a friend, family member, or fellow believer, unpaid debt can strain even the strongest relationships. So, how should we respond when repayment never comes? Let's explore that together.Start with CompassionIt's natural to assume the worst when someone avoids repaying a debt. But Scripture calls us to pause and lead with understanding.“Whoever is slow to anger has great understanding, but he who has a hasty temper exalts folly.” – Proverbs 14:29The person who owes you might be experiencing genuine hardship, such as job loss, medical emergencies, or family struggles. Begin by asking how they're doing. Show empathy. Offer flexibility, if possible, such as a revised payment plan. This can foster honest dialogue and reflect Christ's love in action.Before confronting the situation, pray. Ask God for wisdom, peace, and soft hearts on both sides. When you enter the conversation with prayerful humility, your response becomes a witness, not just a reaction.Follow Biblical Steps for ConflictIf the debtor is a fellow believer and continues to avoid the issue, Jesus outlines a redemptive process in Matthew 18:Speak privately to them.If unresolved, bring one or two others.If the issue remains unresolved, involve the church leadership.The goal isn't shame—it's restoration. Seek truth and preserve the relationship, creating a path forward instead of building a wall.Should Christians Ever Take Legal Action?In 1 Corinthians 6, Paul warns believers not to sue one another over civil matters, saying, “Why not rather be wronged?” Unity and love matter more than financial recovery. However, this doesn't mean legal action is never appropriate.If fraud, abuse, or serious legal injustice is involved, Romans 13 affirms that civil authorities exist to uphold justice. Seeking legal recourse in these situations may be necessary, especially if livelihoods are at stake. Just be sure your motivation is fairness, not revenge.The Bigger PictureRegardless of the outcome, Jesus commands us to forgive:“Whenever you stand praying, forgive, if you have anything against anyone…” – Mark 11:25Forgiveness doesn't ignore the debt—it chooses not to hold bitterness. Sometimes it leads to repentance; other times, it simply frees your heart.Unpaid debt is frustrating—but temporary. Relationships, witness, and Christlike character endure. Ask not only, “How can I get this money back?” but “How can I reflect Jesus in this moment?” Generosity and forgiveness point to a Savior who forgave us when we had nothing to repay.Want to Go Deeper?This topic is explored further in our Faithful Steward magazine. You can receive each quarterly issue by becoming a FaithFi Partner—just $35/month or $400/year at FaithFi.com/Give. Your support helps equip more believers for faithful stewardship.On Today's Program, Rob Answers Listener Questions:I'm in my 50s and want to buy a house. I have money saved for a down payment, but I'm unsure about two things. First, should I continue saving for a larger down payment or buy now with the money I have? Second, I want a mortgage, but I would like to know whether I should choose a shorter or longer mortgage term. I'm 54 years old, so I'm thinking about my timeline for paying off the mortgage.My brother and sister had a trust together with three houses. My sister has since passed away, and my brother is still alive. The trust already has money in it, and my brother is thinking about selling one of the houses. I would like to know: Does the money from the house sale have to be returned to the trust, or can my brother keep it?I'm about to start Social Security at my full retirement age in two months. My wife is considering taking Social Security at age 62. My question is about what happens if I pass away before her. If she's already receiving a reduced spousal benefit, will she then get 100% of my benefit at the new reduced amount, or will she be stuck with the same reduced percentage?My wife and I have a local revocable trust with property and investments. We're considering relocating to an Illinois senior living facility. I'm concerned: Will the state have any way to access our money and property?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Tonight is a special episode of an interview of my Combat Vet son interviewing my Combat Vet Father before he passed away. My Dad spent 22 years in the Army, 18 of it in Special Forces with multiple tours in Vietnam and surrounding counties. These are his stories....loud and clear.

Chris Steward, Portfolio Manager at Ninety-One and Stephen Grootes analyse top business and company stories of the day, as well as international and local markets. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.” — Ecclesiastes 2:23That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn't bring peace—often, it brings more pressure. But Scripture offers a better way.What's Driving All That Effort?It's easy to admire someone who plans wisely, saves consistently, and builds steadily over time. Our culture praises that kind of discipline as responsible and virtuous—and often, it is. But Ecclesiastes challenges us to ask: What's driving all that effort?In Ecclesiastes 2:18, the Preacher writes, “I hated all my toil... seeing that I must leave it to the man who will come after me.” He isn't condemning hard work—he's grieving that all he's built will one day be handed off, possibly to someone who won't value or steward it well.That's where sorrow begins—not in failure, but in success without peace. “All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest” (Ecclesiastes 2:23). The more we accumulate, the more we fear losing it. What promised security only multiplies anxiety.What a striking image—someone lying awake at night, not from failure, but from success. The more he possesses, the more he worries. This is the irony of accumulation: it convinces us that security is just one more achievement away, while quietly making us more anxious the more we gain.Jesus' Warning About Bigger BarnsJesus echoes this same warning in Luke 12. He tells the parable of a rich man who reaped such a bountiful harvest that he decided to build bigger barns to store it all. His conclusion? “Take life easy—eat, drink, and be merry.” To the world, that sounds like winning. But Jesus calls him a fool. Why? Because that very night, his life would be demanded of him. Then comes the haunting question: “The things you have prepared, whose will they be?”What's even more interesting is the context of that parable. Jesus tells it in response to a man asking Him to settle an inheritance dispute. This wasn't someone who earned the wealth—he simply wanted his share, and maybe more. Jesus' warning is clear: a greedy heart isn't the only danger. An entitled heart is just as spiritually destructive. And that's exactly what the Preacher feared in Ecclesiastes—wealth falling into the hands of someone who didn't labor for it and may not know how to handle it wisely.We see this all the time in real life. Many financial advisors and estate planners will tell you that inherited wealth, especially when passed down without spiritual or emotional maturity, can do more harm than good. It can fracture families, distort priorities, and erode purpose. The problem isn't money itself, it's the absence of wisdom alongside it.A Better Definition of SuccessThat's why this lesson matters. You can save well, build wealth, and still feel anxious and unsatisfied—not because you failed, but because you expected your efforts to give you what only God can: peace, joy, and purpose.But here's the good news—Ecclesiastes doesn't leave us in despair. In verse 26, we read, “To the one who pleases Him, God has given wisdom and knowledge and joy.” The solution isn't to stop working or saving. The solution is to stop worshiping our work. Stop defining success by the size of your bank account and start defining it by your faithfulness to the One who owns it all.When we live as stewards instead of owners, the pressure lifts. We begin to see wealth not as a prize to secure our future, but as a tool to serve God's Kingdom. Accumulation loses its grip, and generosity takes root. That's when real joy begins.So, ask yourself today: Am I building bigger barns, or am I faithfully stewarding what God has already entrusted to me? Am I chasing peace through my possessions, or receiving it from the Prince of Peace Himself?Because in the end, peace doesn't come from what we've earned. It comes from who we trust.A Resource to Go Deeper: Wisdom Over WealthNow, if you're wrestling with these questions, we'd love to help. That's why we're excited to offer our brand-new Bible study based on Ecclesiastes called Wisdom Over Wealth. It dives deeper into this theme of dethroning the idol of accumulation and learning to live with contentment and purpose.This month, when you support the ministry of FaithFi with a gift of $35 or more, we'll send you Wisdom Over Wealth as our way of saying thank you. Just head over to FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:I bought a house a year ago, and my primary goal is to pay off the mortgage as quickly as possible. I'm wondering if I should pause my 15% retirement contributions to accelerate my debt payoff goal or continue contributing to retirement while also working towards being debt-free.I want to understand the right markup for my business. I'm an electrician. What would be a reasonable general number for a company like mine to ensure I'm covering my costs and generating a profit?I opened a Roth IRA because I don't have to make required minimum distributions. When my children inherit my Roth IRA, do they have to make withdrawals? I want to understand the inheritance.I'm wondering about the $8,000 maximum Roth IRA contributions for those over 50. Is the $150,000 income limit based on my income alone or my combined income with my wife?I'm considering retiring at 65 even though my full Social Security retirement age is 67. If I live off my 401(k) for 2 years and don't register for Social Security, will my benefits continue to grow?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageSocial Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if being great with money doesn't guarantee you're doing great with your spouse?If you're the “money person” in your marriage, you may think you're doing everything right. But what if your spouse feels shut out of the process? It happens more than you think. Shaunti Feldhahn joins us today to talk about how you can avoid that disconnect or fix it if need be.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and 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, written with her husband, Jeff, and has co-authored several books with him, revealing impactful truths about relationships at home and in the workplace.Honor What Your Spouse ValuesMoney-minded individuals often unknowingly send the message that their spouse's financial opinions don't matter. Even with good intentions and solid planning, failing to honor what your spouse values can damage not just your finances but your marriage.Spouses who handle the finances might assume they're right and the other is wrong. That unspoken belief, even if subtle, can lead one partner to feel dismissed—and that's a dangerous place to be.About two-thirds of spouses believe they know better than their partner how to manage finances. This is similar to how most people think they're above-average drivers—statistically improbable, but psychologically common.While it's okay to have differing financial opinions, it becomes a problem when one partner consistently feels unheard or undervalued. Many “money people” may not even realize they're doing this, but over time, it fosters resentment and undermines trust.Different Values, Different PrioritiesMore than 80% of couples have differing financial values, which are often rooted in their childhood experiences, temperaments, or faith priorities.For instance, one spouse may believe saving for college is urgent and non-negotiable. The other may feel that making memories with their children while they are young, such as taking a trip to Disney, is equally important. Neither is wrong. They're just different.The danger lies in assuming that one value system is superior. If one spouse feels their values are constantly being overlooked, resentment can quietly grow until it spills over into other areas of the relationship.The real danger isn't only in the budget—it's in the relationship.If one person starts to feel like their opinions don't matter, it doesn't just affect money decisions. It becomes a marriage issue.And this dynamic can even show up in financial advisor meetings, where professionals may unintentionally direct conversations toward the more financially-minded spouse. This reinforces the problem and risks charting a course toward relational misalignment.Three Steps Toward Greater Financial UnityIn her article for Faithful Steward, Shaunti offers three practical steps to bring both voices to the table:Ask Each Other a Simple QuestionAt a neutral time—say, over morning coffee—ask:“On a scale of 1 to 5, how heard and valued do you feel in our financial decisions?”If the answer isn't a 5, it's a red flag—time for a deeper conversation. Treat Less-than-Perfect Answers SeriouslyA “3” or “4” means something isn't connecting. Don't ignore it. The goal is for both spouses to feel their voice and values are part of the plan, even when you disagree. Explore Your Financial Values TogetherChapter 3 of her book, Thriving in Love and Money, maps out different “money values”—how people view experiences vs. things, time vs. money, or convenience vs. frugality. Shaunti encourages couples to read the chapter together (or separately with notes in the margins) to uncover hidden assumptions.Real-Life Insight: The $1.50 LessonShaunti also shares a personal example: she values time and convenience, so she's happy to pay an extra $1.50 per movie ticket to reserve seats in advance. Jeff, her husband, sees that as unnecessary—he'd rather arrive early to save money.Neither is “right.” However, understanding each other's values helped them approach decisions with greater ease and grace, rather than conflict.Remember, resentment is like a slow leak—it can go unnoticed until the tire blows out. But the antidote is simply listening with love and curiosity.You can read her full article in Faithful Steward, our quarterly magazine designed to help you connect your faith with your finances. To receive four issues a year, along with our newest Bible studies and devotionals, become a FaithFi partner at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:I'm a veteran receiving $1900 a month in benefits. I recently paid a penalty on my Social Security premium. I would like to know if there is any way this penalty can be waived due to my hardship situation.I have some stock that I want to sell, but I want to donate it to a charity so I don't have to pay taxes. Can you tell me how to do this?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Thriving in Love and Money: 5 Game-Changing Insights About Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnNational Christian Foundation (NCF)Fidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

06-15-2025 Pastor Tyler Stevison "The Steward of the Ship" SUN 10AM

In this episode of 'The Wisdom Of...' Show, host Simon Bowen speaks with Pam Johnson, a sixth-generation farmer and groundbreaking agricultural leader. As the first female president of the National Corn Growers Association and a founding member of MAIZALL (International Maize Alliance), Pam has led scientific initiatives including the final mapping of the corn genome while successfully transitioning a multi-generational family enterprise. Discover her profound insights on stewardship, character-building through adversity, and the "antenna up" philosophy that guides transformational leadership.Ready to elevate your leadership approach? Join Simon's exclusive masterclass on The Models Method. Learn how to articulate your unique value and create scalable impact: https://thesimonbowen.com/masterclassEpisode Breakdown00:00 Introduction and the importance of agricultural leadership wisdom05:18 From registered nurse to sixth-generation farmer: Pam's unique journey12:36 The turning point: Standing up at the bankruptcy hearing18:52 The "antenna up" philosophy: Paying attention to what the world needs25:44 Breaking barriers as the first female National Corn Growers Association president33:29 Leading the corn genome mapping project: Science meets agriculture38:22 Building international alliances through MAIZALL45:36 Succession planning: Transitioning the farm to the next generation52:12 Resilience lessons from the 1980s farming crisis and 1998 hog market collapse58:43 Character under pressure: The farming laboratory for leadership developmentAbout Pam JohnsonPam Johnson is a pioneering agricultural leader whose influence extends far beyond farming. As the first female president of the National Corn Growers Association, she broke significant ground while leading groundbreaking scientific initiatives. As chair of the NCGA Research and Business Development Action Team, she collaborated with the USDA and National Science Foundation to facilitate the final mapping of the corn genome, a breakthrough that transformed agricultural science globally.Johnson's commitment to advancing agriculture extends internationally through her role as a founding member and former president of MAIZALL, the International Maize Alliance, which unites corn grower associations from Argentina, Brazil, and the United States to address global trade barriers and promote agricultural innovation.Before dedicating herself full-time to farming, Johnson worked as a registered nurse, bringing a unique perspective to her agricultural endeavors. Her multifaceted career and unwavering dedication to the farming community have earned her recognition as the 2024 Top Producer Women in Ag award winner.About Simon BowenSimon has spent over two decades working with influential leaders across complex industries. His focus is on elevating thinking in organizations, recognizing that success is directly proportional to the quality of thinking and ideas within a business. Simon leads the renaissance of thinking through his work with global leaders and organizations.Connect with SimonLinkedIn: https://www.linkedin.com/in/simonbowen-mm/Instagram: https://www.instagram.com/officialsimonbowen/Website: https://thesimonbowen.com/Get Simon Bowen's Personal Newsletter for Leaders, Thinkers, and Entrepreneurs!

“For you know how, like a father with his children, we exhorted each one of you and encouraged you and charged you to walk in a manner worthy of God, who calls you into his own kingdom and glory.” - 1 Thessalonians 2:11-12With Father's Day approaching, we're asking a deeper question: What kind of legacy are we leaving as men, as dads, and as stewards of what God has entrusted to us? Jonathan Lewis from Fathers for Fathers joins us to talk about fatherhood, faith, and the financial discipleship that shapes generations.Jonathan Lewis is a Certified Exit Planning Advisor (CEPA®), a Certified Kingdom Advisor (CKA®), and President of Eastport Financial Group Inc. He is also the founder of Fathers for Fathers, a faith-based organization dedicated to restoring hope, healing, and purpose in the lives of men, especially fathers. A Story RedeemedWhen Jonathan was 15, he experienced a trauma no child should face—dragging his father's lifeless body onto a beach in Nova Scotia after a drowning accident. That moment became a fracture point in his life, leading to years of instability, homelessness, guilt, and emotional isolation.But out of those ashes came clarity: a calling to reach other men who feel lost, alone, and ashamed. His ministry, Fathers for Fathers, is a direct response to the epidemic of fatherlessness and emotional isolation plaguing men today.The Epidemic Few Talk About84% of men say they don't have a single person they can talk to.Guys have been trained to withdraw, but we need each other. If you're listening and feel like you've failed as a father, or you don't even have the strength to keep going, you're not alone. You can do this, but not by yourself.The solution is community and accountability. And for men who do have a support system, pursue others. Don't take the first 12 ‘no's as a brush-off. Broken men want to be pursued. They're just afraid.What Does Faithful Fatherhood Look Like?So, what does it mean to be a successful father?First, if you're still breathing, your story isn't over. You haven't missed your chance.Using a football analogy from Fathers for Fathers' upcoming study, life can be described as a game we're all born into—on the wrong team. But we don't have to stay there. Through Jesus Christ, we're invited to join the winning team. But it requires repentance, humility, and a willingness to fight.And it often starts with small steps.Practical Steps Toward RestorationFor divorced dads and those estranged from their children, you may think there's no way back. But there is. If you're not in your kids' lives, start. If you haven't supported their mom, own it. If you've been battling secret sin—confess it.These are hard words, but they're spoken with deep compassion. God will honor you when you honor Him. This ministry isn't about beating men up. It's about helping them get back in the game.Stewardship Starts at HomeStewardship isn't just about money. If you're generous with your wealth but not your love or your time, you've missed the point.Stewardship begins with the way a man loves and leads his family, especially his wife. When reading Ephesians 5, men might say, ‘I'd take a bullet for my wife.' But Christ calls us to something harder: dying to ourselves daily.Stewardship, then, is about priorities: honoring God with your money, your time, your attention, and your affection.A Prayer for DadsIf you're a father or a man who feels discouraged, who is ready for more, and who is just hanging on. Pray this out loud:“Lord, I pray that Your Spirit would touch the heart of the man listening who thinks he's too far gone. Remind him that nothing can separate us from Your love, not even failure. Let him know Jesus already put on the jersey for him. I pray for courage, for repentance, and for grace. Thank you for the scandalous grace that says You would've sent Jesus for just one man. You sent Him for all of us.”If you're a father who feels broken, or if you know one, visit FathersForFathers.org. You'll find tools, encouragement, and a brotherhood of men committed to healing and hope.This Father's Day, let's not just celebrate the dads who've done it right. Let's rally around the men who are trying to get it right, one step at a time.On Today's Program, Rob Answers Listener Questions:I'm curious about nursing home costs and what happens to my parents' assets. I learned that Medicare covers limited skilled nursing care, and Medicaid restricts asset access, meaning my siblings and I likely won't be able to access their money while they're in a nursing home.I'm currently working and planning to retire soon. How could I invest in ways that align with my faith and ensure I'm not supporting companies that go against my beliefs?I wanted clarification on fixed indexed annuities. I wasn't familiar with them and wanted to understand if they were a good investment option.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Fathers For FathersList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Proverbs 16:16 says, “How much better to get wisdom than gold! To get understanding is to be chosen rather than silver.”In a world that chases wealth as the ultimate goal, Scripture calls us to something better—wisdom. Because without godly wisdom, even abundance can lead us astray. Today, Jim Newheiser joins us to explore why wisdom, not money, is the true measure of success in God's economy. Dr. James (Jim) Newheiser, Jr., is the Director of the Christian Counseling Program and Professor of Christian Counseling and Pastoral Theology at RTS Charlotte. He is also the author of several books on the subject of counseling, as well as Money: Seeking God's Wisdom (31-Day Devotionals for Life).Investing in What SatisfiesIsaiah 55:2 details an account where the Lord asks, “Why do you spend money for what is not bread, and your wages for what does not satisfy?” It's a poignant reminder that many of us chase things that leave us empty. How we spend our time and money reflects what we value. Yet so often, those values are shaped by a world that overpromises and underdelivers.Instead of finding fulfillment in wealth, ultimate satisfaction comes from our relationship with God and the good gifts He provides. Time spent in Scripture, prayer, and worship is far more nourishing than any financial gain. Even the principle of rest in Scripture is God's reminder that we don't need to fill every waking moment with striving.Wisdom or Wealth? A Tale of Two WomenThe book of Proverbs is interesting because in this compilation in Scripture, wisdom is personified as a noble woman worth pursuing, while folly appears as a seductive but destructive adulteress. Proverbs sets up a contrast because Lady Wisdom is like the soul's true bride. She brings joy and delight. But Madame Folly, who represents false promises like the pursuit of money for its own sake, is spiritual adultery, and she leads to misery.The point is clear: what we pursue will shape us. Chase wisdom, and you'll find joy and lasting purpose. Chase wealth, and you may find yourself grasping at the wind.Applying Wisdom in Daily LifeHow do we actually live out this pursuit of wisdom over wealth? For someone who's not used to reading Scripture regularly, it can start with just two pages a day or with a chapter of Proverbs a day. Ask God to speak to you through it.God has promised something far better than material wealth—His presence, His wisdom, and His joy.There's such a huge connection between our hearts and our money, and God is ultimately after our hearts.If you're ready to go deeper in your walk with God by rethinking your financial life through the lens of biblical wisdom, Wisdom Over Wealth is a great place to start. This new 12-lesson study from FaithFi, based on Ecclesiastes, unpacks how true joy isn't found in accumulation but in reverence, surrender, and trust.You can receive a copy of Wisdom Over Wealth when you become a FaithFi Partner. Your monthly gift of $35, or annual gift of $400, helps us continue to share biblical financial wisdom across the globe. Visit FaithFi.com/give to partner with us today.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We really want to pay off this card, but we can't make any progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Money: Seeking God's Wisdom (31-Day Devotionals for Life) by Dr. Jim NewheiserSelectQuoteNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Let's Chat!"True mastery is found in the details. The way you handle the little things defines the way you handle everything."

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.

As a business leader, if you turned your business over to God, what would that look like? What would be the result? Hundreds of business owners we've interviewed over the past eight years have done it. They say the result is a DEEP sense of peace vs. stress, pressure, and tension. And a new, deepening understanding of their role as a STEWARD of God's business, vs. “being the OWNER of it”.  What would it take for YOU to be ready to turn YOUR organization over to the Lord's ownership today?  We invite you to place Christ in your org. chart as CEO, and commit right now, to shift your mindset from ”OWNER to STEWARD”. 

In this episode, I sat down with Kaitlyn Steward, a personal stylist and the founder of Hue & You Image Consulting, to talk about something that goes so much deeper than clothes—how style is directly connected to our sense of identity, self-worth, and how we show up in the world.Kaitlyn shared how being a big sister to four younger sisters helped shape her gift for helping others express themselves through style. We talked about the emotional layers of clothing, the difference between personal styling and image consulting, and why asking “How do you want people to feel when they're around you?” can completely shift how you get dressed and carry yourself.This conversation left me reflecting on my own relationship with style and reminded me that fashion isn't about following trends—it's about aligning with the version of you that feels most real.In this episode, we explore:Kaitlyn's journey into personal styling and image consultingThe emotional power of style and why it mattersHow clothing can be a form of self-expression, safety, and confidenceWhat it really means to wear your truthThe deeper questions that guide personal presence and authenticityConnect with Kaitlyn: Follow her on Instagram: @hueandyou.ic Website: www.hueandyouic.comConnect With Christina Guzmánwww.instagram.com/selflovetonicpodwww.selflovetonicpodcast.comchristina@selflovetonic.com

“I said in my heart, ‘Come now, I will test you with pleasure; enjoy yourself.' But behold, this also was vanity.” — Ecclesiastes 2:1What happens when someone has the power to indulge in every pleasure the world can offer? In Ecclesiastes, we find one of Scripture's boldest experiments: a search for lasting joy through earthly delights. The Preacher—often thought to be Solomon—pursues laughter, wine, work, wealth, sex, and success, all in an effort to answer one question: Can pleasure truly satisfy the human soul?A Culture Chasing the WindToday, we live in a world that echoes the Preacher's experiment. “Treat yourself.” “Follow your heart.” “Do what makes you happy.” These aren't just slogans—they're mantras for modern living. From the vacations we plan to the gadgets we unbox, we're told that happiness is just one more swipe, scroll, or splurge away.But Ecclesiastes challenges that narrative. It forces us to wrestle with a deeper question: What if pleasure doesn't lead where we think it does?The Preacher's pursuit wasn't careless. It was a deliberate, calculated test. He writes, “Whatever my eyes desired I did not keep from them” (Ecclesiastes 2:10). He built houses, planted vineyards, created lush gardens, hired singers, amassed wealth, surrounded himself with comfort—even concubines.This wasn't indulgence for indulgence's sake. It was a methodical pursuit of happiness. Today, we might say: “If it looked fun, I bought it. If it felt good, I did it.” The experiment was thorough, and the results were heartbreaking.“Behold, all was vanity and a striving after wind.” — Ecclesiastes 1:14The Thrill FadesTo picture this, imagine a bag of old receipts. Each one once captured a moment of excitement—a new purchase, a fancy dinner, a spontaneous trip. But now? They're just scraps. The joy is gone.That's exactly what the Preacher realized. Pleasure was never meant to carry the weight of our deepest needs. It promises fulfillment but delivers only fleeting escape. It's like trying to hold smoke in your hands—real for a moment, then gone.The Preacher's story finds a parallel in Jesus' parable of the prodigal son. The younger son squandered his inheritance chasing worldly pleasures, only to end up broke and broken. The twist? The Preacher had everything the prodigal son dreamed of—wealth, opportunity, indulgence—and yet he ended up just as empty.Different paths. Same conclusion.A Warning That Leads to FreedomHere's the grace in all this: We don't have to repeat the experiment. The Preacher's pain can be our wisdom. He's waving us down from the road ahead, saying, “There's nothing here. Don't waste your life chasing shadows.”That's a gift. It frees us to reflect:What am I turning to when I feel tired or discouraged?What “quick fixes” do I reach for without thinking?What would it look like to seek joy in God instead?God is not against pleasure. He is the Creator of joy and the Giver of every good and perfect gift (James 1:17). But those gifts were never meant to replace Him. When we look to pleasure as the destination rather than a signpost to the Giver, we miss the point—and our hearts remain restless.So next time you reach for something to lift your spirits, ask: Is this joy, or just escape? Is this feeding my soul, or simply distracting it?A Better Way to LiveEcclesiastes doesn't just warn—it redirects. It helps us tear down the idol of pleasure and place our hope in a Person, not a product. And that Person—our God—is the only source of joy that doesn't fade.At FaithFi, we want to help you explore this truth more deeply. That's why we created Wisdom Over Wealth, a Bible study on Ecclesiastes that unpacks themes like pleasure, wealth, and contentment from a biblical lens.This month, when you support FaithFi's ministry with a gift of $35 or more, we'd love to send you a copy as our way of saying thank you. Just visit FaithFi.com/wisdom to request your copy today.On Today's Program, Rob Answers Listener Questions:I'm wondering if it's better for my husband, who just retired, to take Social Security now or wait two more years, which would mean withdrawing about $96,000 from our 401(k) during those two years to cover our living expenses.I have a nonprofit property I want to sell, and I'm planning on giving the proceeds to another 501(c)(3) organization. Since I'm not very experienced with this process, are there any specific forms or steps I need to take at the closing of the sale? I recently made a claim for a new roof, and my insurance went up. Do insurance companies research when you've made a claim on the internet or through a database? I was told by two roofers I didn't need a new roof, but the insurance company insisted I did. I have some money in a credit union that I want to move somewhere to earn more interest. I just discovered I can use my Fidelity account for investing, and they're offering 4%.  I'm wondering about the difference between keeping my money in my Fidelity account or moving it to an online bank, and what the benefits might be.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Comprehensive Loss Underwriting Exchange (C.L.U.E.)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9This powerful verse is often quoted when we talk about generosity, and rightly so. It shows us that generosity isn't just a financial principle—it's rooted in the very heart of the Gospel. Today, Dr. Nathan W. Harris joins us to explore that connection more deeply.Dr. Nathan W. Harris is the Vice President of Strategic Initiatives at The University of Mobile in Mobile, Alabama. He is also the author of A Short Guide to Gospel Generosity: Giving as an Act of Grace.What Is Gospel Generosity?Gospel generosity is giving rooted in the good news of salvation through Jesus Christ. Generosity is not merely a virtue for the Christian life but a cheerful disposition that springs forth from the gospel. This kind of generosity arises from new life in Christ, is empowered by the Holy Spirit, and reflects the Father's model of grace throughout creation.At its core, gospel generosity isn't just about giving—it's about proclaiming and portraying Christ's saving work in our lives. It signifies a radical transformation of a believer's heart and mind, leading to joyful stewardship of resources in service to God's kingdom.Beyond the Tithe: A Higher CallingOne of the most debated topics surrounding generosity is the concept of tithing. Are Christians called to tithe, or is there a greater expectation?While tithing—giving 10%—is not explicitly required for Christians, the gospel calls us to something far greater. We aren't obligated to give; instead, Christians have an incredible gospel opportunity. We are called to live generously, humbly, selflessly, and with the kingdom of God in mind.This perspective reframes giving not as a rule to follow but as an act of grace and worship, rooted in gratitude for what Christ has done.How the Gospel Transforms Our View of MoneyThe gospel transforms our hearts and minds and revolutionizes how we approach money and stewardship. Martin Luther once said:“There are three conversions in one's life—the conversion of the heart, the mind, and the pocketbook.” When we encounter Christ, our hearts are filled with affection for Him, and our minds are set on heavenly things. However, many Christians struggle to surrender their finances to God fully. You can't hold on to Christ while also holding on to your money.A heart transformed by the gospel desires to honor Christ above wealth. A mind renewed by the gospel prioritizes kingdom values over worldly ones. This transformation shapes every aspect of our financial lives, from earning and saving to spending and giving.Living as Stewards of God's ResourcesWhen our hearts and minds are fully surrendered to Christ, our finances naturally follow. Giving becomes not just an obligation but an act of worship and a reflection of the gospel's transforming power.To explore these ideas further, check out Dr. Nathan W. Harris's book,  A Short Guide to Gospel Generosity: Giving as an Act of Grace. This concise guide offers biblical wisdom and practical insights into living a life of joyful, gospel-rooted generosity.On Today's Program, Rob Answers Listener Questions:I have a whole life insurance policy for my mom that we've been paying on for about nine years. I'm wondering if I should just cash it in since we're almost at the full policy amount.What is the best educational investment account to use for my 10 and 8-year-olds when they're ready for college? I've just been saving money in savings accounts.I wanted to ask about the Windfall Elimination Provision and the Government Pension Offset - are they still in effect? I'm a firefighter and paramedic who worked in the public service and private sector for 30 years.My wife and I don't have a retirement plan yet. I'm 53 and my wife doesn't work. We have a vacant lot worth $45,000, and I'm wondering what we can do with the money from selling it to help prepare for our retirement.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)A Short Guide to Gospel Generosity: Giving as an Act of Grace by Dr. Nathan W. HarrisSavingForCollege.comWisdom 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.

A lot of health for marriages lies in the prework, before the marriage happens. In this episode of Breaking Bread, Kaleb Beyer and Arlan Miller speak about the pre-contemplative, contemplative and engagement phase of marriage and the great deal of promise these stages hold. They bring to bear resources and advice for both singles and the supportive community that surrounds them.    Show Notes: The health of the marriage is what individuals bring into the marriage to create it. For this reason, attention to oneself is a critical starting point for future marital health. Singles should consider the following:  Walk with God in healthy discipleship.  Develop a healthy Christ-centered identity.  Grow in healthy self-awareness.  Learn to cope with uncertainty or unmet expectations.  Nurture a community that will provide godly counsel.  Gain realistic expectations for marriage.  Steward a healthy understanding of intimacy.  Engagement is a unique and time-bound stage for engaged couples. If not stewarded well, wedding preparation can overshadow marital preparation. Couples should consider the following:  Develop healthy connections with each other.  Grow in friendship.  Learn to honor each other.  Establish a practice of proactively stepping into issues that arise in the relationship.  Establish healthy rhythms that will carry over into the marriage. 

This week, we’re continuing our series called “Flip the Script.” We have established that the world has a script, a set of expectations that people are supposed to follow. However, the Word of God tells us in Romans 12 that we’re not supposed to conform to those customs and behaviors; if we’re going to be followers of Jesus, we have to live according to His will for our lives and flip the script in every area. Just like other things, the world has a script they want us to follow about money, but the way believers approach money should look different. Our basic understanding of money should come from the Bible. If every good and perfect gift comes from God, there is no such thing as YOUR money. We’re merely stewards of what the Lord has blessed us with, distributing it according to His priorities and principles.

Summer is here—and while kids are counting down the days until school's out, parents and grandparents might be counting something else: the cost.The good news? Some of the best family memories don't require a big budget. In fact, many of them are completely free. With a little creativity and intention, you can enjoy a summer that builds connection and joy without adding financial stress. Here are ten fun, meaningful, and no-cost activities to try this season.1. Visit Your Local LibraryLibraries today are vibrant community hubs, not just quiet places for books. Many offer summer reading programs, puppet shows, craft days, and even LEGO clubs. It's a screen-free space that fosters imagination and learning—and it won't cost a dime.2. Host a Themed Movie NightMovie nights are a classic, but turning them into themed events can make them feel extra special. Dress up like your favorite characters, make popcorn at home, and stream free movies from your library or other no-cost platforms. It's cozy, creative, and fun for all ages.3. Check Out Community EventsMany cities and towns host free concerts, movie nights, festivals, or farmers' markets during the summer. These events offer fun, fellowship, and a chance to connect with your community.4. Camp in Your BackyardYou don't need to travel far to enjoy the great outdoors. Set up a tent in your yard, roast marshmallows, and tell stories under the stars. Take time to reflect on God's handiwork with your kids. Psalm 8:3–4 reminds us how the majesty of creation points us to the Creator who cares for us deeply.5. Host a Yard SaleLet your kids gather items, make signs, and manage a mini storefront. It's not only a great way to declutter—it also teaches stewardship, contentment, and even generosity. If your kids choose to give a portion of the proceeds to someone in need, you're planting seeds of compassion early.6. Try GeocachingIf your family enjoys treasure hunts or geocaching, it's a great way to explore the outdoors. All you need is a smartphone and a free app to search for hidden “caches” in your area. It's adventurous, educational, and completely free.7. Plan a Neighborhood Game DayBring back the joy of simple play. Organize a kickball game, water balloon fight, or capture the flag in your neighborhood. Partner with other families to rotate homes and activities—it's a no-cost way to foster community and make memories that stick.8. Make a Summer Bucket ListSit down as a family and dream up a list of simple activities—things like catching fireflies, building a fort, or learning a new skill. Writing them down and checking them off together adds a sense of excitement and shared accomplishment.9. Explore NatureNature is one of God's most generous gifts. Visit local parks, walk trails, or bike together through a nearby preserve. Psalm 19:1 reminds us, “The heavens declare the glory of God.” Whether it's birdsong or wildflowers, creation invites us to slow down and worship.10. Serve TogetherServing others is one of the most meaningful things a family can do. Volunteer at a local shelter, visit a nursing home, or make cookies for your neighbors. Jesus said, “It is more blessed to give than to receive” (Acts 20:35). A summer of service can have an eternal impact.The Riches of a Simple SummerIt's easy to believe that a fun summer must come with a hefty price tag, but God often surprises us with joy in the simplest things. Sunshine, laughter, love, and time together are among His most generous gifts—and they're completely free.So, as you make your summer plans, don't focus on what you can spend. Instead, focus on how you can wisely steward the time and relationships God has given you. After all, the best summer memories are built with presence, not purchases.On Today's Program, Rob Answers Listener Questions:I'm looking into annuities, and I know nothing about the risks. When they say 6% for three years, is that rate guaranteed to remain locked in? I looked up the rating, and it's a B++ rating by AM Best.I have a long-term insurance policy from Genworth that started in 1999. The premiums have increased dramatically from $1,500 to $11,000 annually. We're in our early 80s and nearing the time to use the policy. The company wants us to sell, but we have a clause that stops premium payments if one of us dies. I'm unsure whether to keep the policy. I'm 60 years old and have worked at the same job for 40 years. I've become chemically sensitive to the product we manufacture and can no longer work with it. I'm basically at retirement, with all bills paid and a house paid off. I have $500,000 saved in CDs, $60,000 in the bank, and I'm thinking of putting half of the $500,000 in a lifetime mutual fund. Is that a wise decision?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if I told you that giving money to good causes won't necessarily change your heart?Many assume that if they invest their finances in the right places, their affections will follow. But what if the real issue isn't where our money goes, but what we treasure most?The Words of Jesus: Treasure and the HeartIn His Sermon on the Mount, Jesus offers one of the most profound insights into money and the human heart:"For where your treasure is, there your heart will be also." (Matthew 6:21)Many interpret this to mean that if we direct our money toward good causes, such as ministries or charities, our hearts will naturally follow. And often, generosity does strengthen our connection to what we support. However, if money itself remains our treasure, even generous giving can leave our hearts tied to wealth rather than to God.What if Jesus wasn't just telling us to redirect our money but inviting us to reexamine what we treasure most? The real challenge isn't simply choosing better causes; it's choosing a better treasure. If our hearts cling to money, even when giving it away, we remain captive. But if we treasure God above all, our money will naturally reflect that devotion.The Widow's Offering: A Heart Aligned with GodConsider Jesus' observation of the widow's offering in Mark 12:"And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. And a poor widow came and put in two small copper coins, which make a penny." (Mark 12:41–42)The wealthy gave much more than the widow, but their giving didn't free them from money's grip. Their treasure was still rooted in their wealth.Jesus exposes a similar heart issue when He rebukes the Pharisees in Matthew 23:"Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier matters of the law: justice and mercy and faithfulness." (Matthew 23:23)The Pharisees gave meticulously, yet their hearts were enslaved to pride and status. Their giving wasn't born from a love for God, but from a desire to maintain religious appearances.True Freedom in Treasuring GodIn contrast, the widow's tiny offering flowed from deep trust and surrender to God. She gave not to be seen, but because her greatest treasure was the One standing before her. Jesus praised her, not for the amount she gave, but because her heart fully belonged to Him.If giving alone could free us from money's hold, the Pharisees would have been the most spiritually free people of their day. But they weren't. True freedom comes not from giving more but from treasuring God most.As Pastor John Piper puts it:“God is most glorified in us when we are most satisfied in Him.”How Do We Shift Our Hearts?So, if the issue isn't where we put our money but what we treasure, how do we shift our hearts?Recognize God as Your Greatest Treasure - Until God is our highest joy, we will always cling to lesser things.Seek First His Kingdom - When God's Kingdom is our priority, everything else—including money—falls into place.View Money As A Tool, Not A Treasure - If we treasure God, we will steward it wisely without being controlled by it.Store Up Treasures in Heaven - This means prioritizing what truly lasts—growing in Christ, loving others, and living generously.When our treasure is in God, our relationship with money changes. We give not to force our hearts to care, but because our desires are already aligned with what God cares about. We are freed from financial anxiety because our security is in God, not wealth (Matthew 6:25–34).If money is our treasure, our hearts will forever remain enslaved to it, no matter how generously we give. But if we treasure God, our hearts will be free, and our relationship with money will reflect that reality.The real question isn't, “Where is my money going?” but “What do I treasure most?” Because where your treasure is, there your heart will be also.Partner with FaithFiThat's the heart behind everything we do at FaithFi. We're here to help people not just manage money wisely, but treasure God above all else—because when He's our greatest treasure, everything changes.If you believe in that mission, would you consider becoming a FaithFi partner?With a gift of $35 a month or more or $400 a year, you'll help more Christians find freedom in Christ through biblical financial wisdom. As a thank you, you'll receive:Early access to all our studies and devotionalsA subscription to our quarterly Faithful Steward magazineAccess to the Pro Version of the FaithFi appYou can learn more and become a FaithFi Partner today at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:I would like to know if I can cash in a CD and gift the money to a family member without incurring a penalty. Also, would you feel guilty about drawing out some money from my 401(k) to buy myself a little gift instead of going into debt?I've paid tithe on the gross amount my whole life. Now that I'm retired and drawing Social Security, pension, and business income, I'm wondering if I should continue to tithe. Some people say it's already been tithed, so why tithe it again?I want to sell my almost 70-year-old home and move into a senior residence that's handicap accessible. I'm on Social Security Disability, and I was told that selling a home is considered income and will stop my disability benefits. Is this true? I heard you talk about the $19,000 gift limit per person per year. I want to know if the same limitations apply if I give to a 501(c)(3) organization and I'm not planning to claim it on my taxes.I would like to leave our paid-off house to my children if both my wife and I have passed. Should I get a will, put them on the deed, or establish a trust and incur the associated expense? Can I just put them on a deed, and when we pass, it goes to them?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

This week, Elissa Bjeletich Davis and Kristina Wenger talk about the unjust steward. It's bad to be unrighteous, right? Does God always want you to be honest and exact -- or would He rather see some mercy?

“The wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” - Proverbs 14:8When it comes to saving, spending, and talking about money, our God-given temperament plays a bigger role than we think. Today, Kathleen Edelman shares how understanding your wiring can lead to better financial decisions and healthier money conversations.Kathleen Edelman is the author of “I Said This, You Heard That: How Your Wiring Colors Your Communication.” She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.What Is Temperament—And Why Does It Matter?Temperament was studied by Hippocrates 2,000 years ago. It's innate, unchangeable, and part of your design by God, like your eye color or fingerprint. In contrast, “personality” evolves based on culture, upbringing, education, and environment.This foundational understanding is essential not just in relationships but also in how we approach money.Temperament influences how we budget, spend, save, and even how we talk about money. Here's how each temperament—Yellow, Red, Blue, and Green—sees financial decisions through a unique lens:YELLOW (Sanguine): The Fun-Loving GiverWiring: Optimistic, relational, in-the-moment.Financial Outlook: Sees money as a way to connect and create experiences. Often spontaneous and generous, but may avoid serious conversations about finances out of fear of conflict or damaging relationships.Growth Tip: Build guardrails around spending while leaving room for joy. Schedule regular money conversations to reduce anxiety.RED (Choleric): The Visionary LeaderWiring: Goal-driven, results-oriented, confident.Financial Outlook: Excels at goal setting, budgeting for success, and achieving results. May be impulsive or steamroll others in decision-making.Growth Tip: Invite feedback and take the time to consider other perspectives. Collaboration builds trust.BLUE (Melancholic): The Cautious PlannerWiring: Detail-oriented, safety-driven, analytical.Financial Outlook: Needs detailed plans, emergency savings, and financial security. Prefers structure and predictability.Growth Tip: Communicate your need for time to process financial decisions. Allow room for flexibility while maintaining your desire for order.GREEN (Phlegmatic): The Peaceful StabilizerWiring: Calm, steady, conflict-avoidant.Financial Outlook: Values simplicity, consistency, and low-stress systems. May avoid decisions that involve conflict or complexity.Growth Tip: Don't be afraid to speak up about your financial opinions. Take the time you need, but be intentional about engaging.Why Temperament Matters in Money ConversationsMost miscommunication is not intentional. For instance, it could be that you're speaking ‘blue,' and they're hearing ‘yellow.'” That misalignment can be costly, both relationally and financially.To bridge the gap, learn to recognize both your own temperament and the temperament of the person you're speaking with. Then, speak their language.Example: A Yellow Talking to a BlueA Yellow might say: “Hey _______, I know details matter to you. Can we sit down together and make a plan that gives us both a vision with a little room for fun?” This honors the Blue's need for order and gives space for the Yellow's desire for connection.Example: A Red Talking to a GreenRather than saying, “We need to figure this out now,” a Red could say: “I'd love us to make a simple plan together so that we both feel secure. We can talk it through at your pace.” This respects the Greens' need for harmony and time.Next Steps for Growth and StewardshipKathleen's workbook, I Said This, You Heard That, is designed to help you better understand your wiring—and live it out in strength, not weakness. It's not about changing your temperament but becoming fluent in the languages of others.Inside the 2025 edition, you'll find tools to help you:Name your tendencies and choose healthier responsesDiscover your “innate needs” (which she calls a game-changer)Revisit conversations with grace and self-awarenessBecome fluent in your own and others' communication stylesWhen we understand our design, we communicate better. When we communicate better, we make wiser financial decisions. And when our finances reflect intentional, Christ-centered communication, our relationships and witness grow stronger.Learning to speak the language of others says: I care about you. That changes everything.I Said This, You Heard That: How Your Wiring Colors Your Communication (2025 Edition) is available now wherever books are sold. Let it be a guide for building stronger relationships and becoming a more faithful steward of what God has entrusted to you.Become a FaithFi PartnerAlso, if you'd like to read Kathleen's full article featured in the second issue of Faithful Steward Magazine, consider becoming a FaithFi Partner. With a monthly gift of $35 or an annual gift of $400, you'll receive the magazine each quarter delivered directly to your mailbox—plus these exclusive benefits:Access to the Pro Version of the FaithFi AppBulk discounts on additional copies of FaithFi studies and magazinesEarly access to every new FaithFi study and devotional before they're released to the publicJoin us in equipping believers to steward God's resources faithfully.On Today's Program, Rob Answers Listener Questions:I'm seeking advice about managing my 66-year-old mother's finances after her Alzheimer's diagnosis. She has a limited income, a $300,000 TSP, and a home with $220,000 in equity, but her monthly expenses total $6,500. I need help strategizing how to best care for her financially.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom 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.

“I have seen all the works that are done under the sun; and, behold, all is vanity and a chasing after wind.” – Ecclesiastes 1:14Life is full of pursuits and ambitions, each one pressing for our attention. Like a collage, the individual pieces may not make sense until we step back and see the bigger picture. Today, we're talking about the gift of perspective—and how viewing our lives through an eternal lens can change everything.Zooming Out with EcclesiastesIf there's one book in the Bible that invites us to zoom out and take an honest look at life, it's Ecclesiastes. It's raw, reflective, and unafraid to ask big questions: What's really worth pursuing? What has lasting value? What are we building—and why?Our new study, Wisdom Over Wealth, explores the book of Ecclesiastes with these questions in mind. It helps us see how financial wisdom fits into the broader story of a life lived for God. I'll tell you how to get your copy in a moment.In our everyday financial lives, it's easy to be consumed by the immediate—this week's bills, that investment opportunity, or the looming tax deadline. Every issue seems urgent. But what if, instead of focusing on just one puzzle piece, we looked at how it fits into the whole? What if we could pull back and see our finances as part of a much bigger story?That's the gift of perspective. It lifts us out of the weeds and helps us see clearly. When we understand how our financial choices connect to our spiritual priorities, we begin making wiser, more intentional decisions.The Danger of Disconnected WealthEcclesiastes invites us to take a mile-high view of not just our money but life itself. The Preacher, on whom this book is based, says he has seen all the works done “under the sun” and found them to be vanity, a chasing after the wind. Not because work or wealth are bad, but because when they become our ultimate goals, they leave us empty.That's a message we need in a culture that constantly tells us to buy more, earn more, and do more. But Ecclesiastes points out that it's all meaningless if disconnected from God's purposes.Wealth as a Tool, Not a GodThis doesn't mean that wealth is meaningless—far from it. When we view money through a biblical lens, we understand that it's not something to be worshiped or hoarded. It's a tool to be used for God's Kingdom purposes. When stewarded wisely, wealth can be used for incredible good: to bless others, to support ministry, and to bring glory to God.That's where Ecclesiastes speaks into stewardship. It reminds us that we don't truly own anything. Everything we have is entrusted to us by God. We're stewards, not owners—and that changes everything.It changes how we think about earning, saving, giving, and even retiring. It redirects our focus from accumulation to impact. Instead of asking, “How much can I gain?” we begin to ask, “How can I use what I have to reflect God's character?”That's the heart of biblical stewardship—living with open hands, trusting God as our provider, and using what we've been given for His glory.The Value of ContentmentEcclesiastes also teaches us something else that's crucial for our financial lives: contentment. The writer encourages us to enjoy our work, to appreciate what we have, and to find joy in the simple gifts of life. It's a call to be present, to stop comparing, and to stop chasing.Whether we're in a season of plenty or a season of little, contentment helps us stay grounded. It reminds us that peace isn't found in having more—it's found in walking with God, where we find lasting peace no matter our financial situation.So, how do we begin to cultivate this perspective? How do we step back and see our finances in light of God's larger story?Start by asking some honest questions: “What truly matters to me?” “What do I want my financial legacy to be?” “How can I reflect God's values in how I manage His money?”When you pause to reflect, you begin to see money not as the end goal, but as a resource to be used wisely and generously. Perspective leads to peace because it ultimately leads us back to God. It frees us from the endless striving and invites us into a deeper trust in His provision.Introducing Wisdom Over WealthThat's why we're so excited to make our new study, Wisdom Over Wealth, available to you. Through the book of Ecclesiastes, this study can help you gain the clarity and confidence you need to steward your finances with purpose.This month, when you give a gift of $35 or more, we'll send you Wisdom Over Wealth as our thank you. Just visit FaithFi.com/wisdom to request your copy today.On Today's Program, Rob Answers Listener Questions:I'm thinking of putting some money into a fixed, indexed annuity that's tied to a NASDAQ FC index. What do you think of this product? I recall you mentioning something about reviewing agencies and their ratings.I have two mortgages on investment properties. Is this a good season to scale up my investments, or should I pay them off right now?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

English statesman Francis Bacon once wrote, “Money is a great servant but a bad master.”If we don't learn to manage money wisely to take control of it, it will soon master us. It's one way or the other. Today, Bob Lotich tells us how to be the master and not the servant when it comes to money—and he makes it pretty clear, as well.Bob Lotich is a high-performance financial coach and Certified Educator in Personal Finance (CEPF®) and has been named a top-20 influencer in personal finance. His wife, Linda, and their award-winning website, SeedTime.com, as well as the SeedTime Money Podcast, have reached over 50 million people in the past decade. He is also the author of Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact. The Wake-Up Call: A Breakdown Leads to BreakthroughBob's story, which began in 2002 when his car broke down while he was on his way to deposit a paycheck, is one that many can relate to. He described how that moment of crisis led to a deep spiritual awakening about finances and stewardship.Unfortunately, the car breaking down prevented him from depositing his paycheck and paying rent on time. Facing the stress of a possible late fee he couldn't afford, Bob realized that his financial life was on shaky ground. He describes this moment as a "house of cards" that collapsed.In his frustration, Bob prayed for wisdom, and that simple prayer became the catalyst for a profound change. God responded, leading Bob to learn about biblical stewardship and practical financial management.Biblical Wisdom: Earning, Saving, and GivingAs Bob delved into the Bible, he came across a quote from John Wesley that changed his financial perspective: "Earn all you can, save all you can, and give all you can." This idea, combined with scriptural truths, inspired him to view money not as a burden but as a tool for good.Bob reflected on passages like:Proverbs 13:11: "Gathering money little by little makes it grow."1 Timothy 6:17-19: Paul's admonition to the rich to be generous.Proverbs 22:7: The borrower is slave to the lender, which motivated Bob to eliminate debt.These verses reinforced the idea that managing money well is not about hoarding wealth but using it for God's purposes.Financial Unity in MarriageBob also emphasized the power of financial unity in marriage. Once he and his wife Linda aligned their financial goals with biblical principles, their relationship strengthened. They not only eliminated stress but also achieved impressive financial milestones, like paying off their house by the age of 31. Bob's story reminds us that peace in one's finances can be a unifying force in marriage, helping couples move forward together more quickly.The Four Keys to Earning MoreBob shared four essential principles for increasing earnings in today's digital age:Operate within God-given gifts and passions: Work aligned with your gifts gives you an "unfair advantage."Continue learning and developing your skills: Hone your craft to glorify God.Solve significant problems: You're compensated in proportion to the size of the problem you solve.Work where demand is high: Identify where there's a need and meet it.These principles guide believers to increase their earnings while keeping their hearts focused on God's kingdom.The Joy of GivingOne of the most impactful parts of Bob's message was his perspective on giving. He and his wife created a "seed account," setting aside money each month specifically for giving. By praying and waiting for opportunities, giving became not just a duty, but a joyful and fun part of their lives. This practice reminds us of the joy Jesus spoke of when He said, "It is more blessed to give than to receive" (Acts 20:35).Enjoying God's ProvisionFinally, Bob encouraged believers to enjoy the financial blessings God provides. He highlighted the importance of gratitude and appreciating what we have. Whether earning, saving, or giving, we can find joy in every aspect of financial stewardship.Bob's journey teaches us that financial freedom isn't about accumulating wealth for ourselves but about managing what God has entrusted to us with wisdom and generosity. We can design a life of eternal impact by earning, saving, giving, and enjoying God's provision.If you're looking for more practical tips and biblical wisdom, Bob's book Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact is a great resource to guide you on this journey.On Today's Program, Rob Answers Listener Questions:I have a friend who is getting ready to retire as a union electrician and is really upset about losing $100,000 when the tariff news broke. I tried to tell him that the money would be made back once the markets recovered. Is my understanding correct that he will eventually get that money back? I currently have $55,000 in a Roth IRA and $37,000 in a Traditional IRA. I'm about 30 years from retirement and contribute $200 per month to my Roth. Does it make sense to roll over the traditional IRA funds into the Roth? Would it be a good financial move for me?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact by Bob LotichSeedtime.comWisdom 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.