Podcasts about Steward

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!

Bestel hier je tickets: https://www.racesquare.com/nl/gpfans-event/Derek Warwick, de voormalig Formule 1-coureur, is door de FIA geschorst als steward voor de Grand Prix van Canada. Dat gebeurde naar aanleiding van controversiële uitspraken die hij deed in interviews met een gokbedrijf.

“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

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.

“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.

Which is the best profession in the Royal Air Force? If you said Pilot, Aircraft Technician, or Regiment Gunner, Chef Warrant Officer Chris Beavis, might disagree. InsideAIR dropped into the Warrant Officers' and Sergeants' Mess at RAF Benson to find out why WO Beavis loves being a Chef and to find out what life is like feeding the RAF. InsideAIR is produced for the Royal Air Force by RAF Media Reserves. Theme music by RAF Music Services.

“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.

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.

Series: N/AService: Sun PMType: SermonSpeaker: Jason Shackleford

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.

SUPPORT YANKEE ARNOLD MINISTRIES WITH YOUR DONATION HEREhttps://yankeearnold.com/donate/REGISTER FOR DR. ARNOLD'S ONLINE CLASSES AT FLORIDA BIBLE COLLEGE OF TAMPA HEREhttps://www.floridabiblecollege.usOR EMAIL BOB GILBERT registrar@floridabiblecollege.usEMAIL DR. ARNOLD HEREyankee@yankeearnold.comVISIT OUR BOOKSTORE HEREhttps://yankeearnold.com/store/

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.

SUPPORT YANKEE ARNOLD MINISTRIES WITH YOUR DONATION HEREhttps://yankeearnold.com/donate/REGISTER FOR DR. ARNOLD'S ONLINE CLASSES AT FLORIDA BIBLE COLLEGE OF TAMPA HEREhttps://www.floridabiblecollege.usOR EMAIL BOB GILBERT registrar@floridabiblecollege.usEMAIL DR. ARNOLD HEREyankee@yankeearnold.comVISIT OUR BOOKSTORE HEREhttps://yankeearnold.com/store/

You don't need more. You need to manage what you already have well. In this episode of How to Win, we're talking about stewardship. It's not about having a lot. It's about being faithful with what's in your hands right now. We'll cover what real stewardship looks like, why it matters to God, and how being consistent in the small things opens the door to more.

“We must have some room to breathe. We need freedom to think and permission to heal. Our relationships are being starved to death by velocity.” — Dr. Richard Swenson, The Overload SyndromeIn our fast-paced, always-on world, these words ring true. We're overloaded—physically, emotionally, mentally, and financially. But what if the antidote to our exhaustion isn't doing more, but doing less? Today, let's look at rest from a biblical perspective.What Is Margin?Margin is the “room to breathe” that Dr. Swenson describes. It's the space between our load and our limits, which allows us to pause before we break.Too often, we end the day with nothing left—no time, energy, or money. Then the next day starts…full throttle again.That kind of lifestyle comes at a cost. The Sleep Foundation reports that nearly half of Americans experience trouble sleeping—a third of them get less than seven hours of sleep a night. Chronic sleep deprivation can lead to serious (and expensive) health problems like anxiety, heart disease, and diabetes. It also undermines our relationships and decision-making.The truth? Rest is not a luxury. It's wisdom.God Created RestGod rested on the seventh day of Creation—not because He needed to, but because His work was complete. He blessed that rest and called it holy (Genesis 2:3).Later, He enshrined the Sabbath in the Ten Commandments (Exodus 20:8-11). Why? Because He knows our tendency to keep pushing ourselves, and He lovingly tells us to stop. As pastor and author Rich Villodas says:“God gives us Sabbath—he gives us rest—as a gift to remind us that our standing in Christ is not based on our works. When we rest, we're reminded: I'm not producing anything…and God still loves me.”Margin in a Work-Obsessed WorldTechnology allows us to work from anywhere, at any time. But just because we can doesn't mean we should. Rest gives us the strength and focus to do our work “as unto the Lord” (Colossians 3:23).Working late nights and skipping vacations might seem productive, but over time, they damage what matters most—our health, our relationships, and our spiritual lives.Rest doesn't mean avoiding work. It means working wisely and worshipfully—and stepping away when it's time to refuel.The Difference Between Rest and LazinessNow, let's be clear: Rest is not laziness.Laziness is neglecting what we're called to do. It violates God's design for us to work, serve, and create. Paul warned the Thessalonians to “warn those who are idle and disruptive” (1 Thess. 5:14), and added in 2 Thessalonians 3:11 that idleness often masks itself as busyness.Proverbs 31 praises the noble woman who works diligently. Verse 27 says she “does not eat the bread of idleness.” Laziness can show up subtly, like scrolling endlessly or shopping to avoid responsibility.Proverbs 24:30–31 tells of a neglected field, overgrown and crumbling, due to a lack of care. That's what happens when laziness takes root. But there's hope.Rest Is a Gift of GraceWhether you're burned out or stuck in patterns of procrastination, God's grace meets you where you are. Jesus doesn't offer a tighter schedule—He offers a lighter burden.“Come to me, all who are weary and burdened,” Jesus says, “and I will give you rest.” (Matthew 11:28)Rest isn't something you earn. It's something you receive. So step into the rhythm of grace, not guilt. Your soul—and your stewardship—depends on it.On Today's Program, Rob Answers Listener Questions:My son is 26, and last year he was able to start a 401(k) with his job. I want to get him a Roth IRA and start with $200 to get something going. Is that a good idea?I'm 87 years old. If all my assets have beneficiaries designated, is there any reason to have probate, or is there a maximum dollar amount that requires probate, so I would have to get a trust?I pay my bills and save as much as I can. Is it okay for me to spend $10 at the Salvation Army to get a new church dress? I don't make much money, but I get paid every two weeks with a decent check.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Overload Syndrome: Learning to Live Within Your Limits by Dr. Richard A. SwensonMargin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives by Dr. Richard A. SwensonSchwab Intelligent Portfolios | BettermentHeart for LebanonWisdom 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 Holy Spirit isn't just with us—He equips us! Last night we were reminded by Pastor Chad to: 1️⃣ Discover your gift – God has already called and equipped you (Romans 11:29). 2️⃣ Develop it – Surrender it back to Him and grow in it (Romans 12:1-2). 3️⃣ Deploy it – Use it not for yourself but to glorify God (Romans 12:3-8).

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22When it comes to managing money wisely, many of us could use some help, but how do you know you've found the right financial advisor? Today, we'll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.How to Find a Financial Advisor Who Aligns With Your FaithFinding a financial advisor can be overwhelming, but it doesn't have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values.  1. Values Alignment: Do They Share Your Worldview?The most important starting point is finding an advisor whose faith informs their advice. There's a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens.Key Questions to Ask:What role does faith play in your financial advice?How do you define financial success?You're listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain.2. Competency: Are They Qualified to Serve You?Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions.Look for:Industry certifications (like CFP®, CPA, CKA®, etc.)Experience working with clients in your stage of lifeKey Question to Ask:Can you tell me about clients you've served who are in a similar situation to mine?Good advisors won't name names, but they should be able to share stories of impact that demonstrate how they've helped people like you.3. Process & Compensation: Are They Transparent and Clear?A trustworthy advisor will be open about how they make money and how they work with clients.Key Questions to Ask:Can you explain how you're compensated—fees, commissions, or both—for someone like me?What is your process for creating a financial plan?They should be able to explain their step-by-step approach, timeline, and what you'll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.”Ready to Find an Advisor?If you're beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for:Biblical worldviewIntegrityTechnical excellenceYou'll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it's wise stewardship to evaluate that relationship regularly.When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That's the kind of advisor worth seeking out.On Today's Program, Rob Answers Listener Questions:My wife and I want to set up a will. We have a son we support and want to make sure he gets everything. I talked to a lawyer who said trusts aren't necessary anymore and are expensive. I have about $300,000 in home equity, and I'm wondering about taxes and how he might handle the property.My dad recently passed away. My mom has been drawing on his Social Security because she didn't have enough credits from working. What percentage of my Dad's Social Security benefits will she receive as a survivor? What benefits will she get since he was a veteran with VA disability?Am I supposed to pay tithes on the income of my Social Security now that I'm retired?Now that my wife is retired and I'm almost retired, is maintaining a good credit score still important?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov) | U.S. Department of Veterans Affairs (VA.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.

Chat With Leaders Podcast is now The Steward Chair. The Steward Chair is a podcast that explores leadership as stewardship—the responsibility of guiding organizations, people, and industries with integrity, long-term thinking, and a commitment to doing good while doing well. Through deep, candid conversations with high-level business leaders, we unpack the challenges, decisions, and strategies that define values-driven leadership. This is a space for leaders who recognize that success is about more than personal achievement; it’s about leaving a lasting, positive impact on their organizations and communities. Each episode provides real-world insights on how to navigate business challenges while maintaining ethical integrity, long-term sustainability, and a legacy-driven mindset. This show is a collaboration between Chat With Leaders Media and End of the Line Productions. Learn more at https://chatwithleaders.com/ and https://www.eotlproductions.com/.See omnystudio.com/listener for privacy information.

This podcast is a guided meditation and mindfulness reading that accompanies the Church of Jesus Christ of Latter-Day Saints Come Follow Me curriculum. This podcast is broken up into 3 parts. The first 5 min. is a guided meditation followed by a mindful reading of the Come Follow Me lesson from the manual with pauses for pondering. And a 10 min. self guided meditation... or in other words, time for you to ponder, pray and reflect...or drift into much needed restful sleep. You can use the timestamps to  listen to it all at once, or focus on one section at a time! This is not an official Podcast of The Church of Jesus Christ of latter-day Saints.  Please email Me at ldsguidedmeditation@gmail.com for comments, questions, or suggestions. I'd love to hear from you!

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom 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.

[Content Warning]: Domestic violence, child abuse, abandonment, narcissismToday, Jan is again joined by Hope Rose, a previously sponsored ultra endurance athlete, a self-published author of Unstoppable Vision, a health+wellness book, and featured in many publications such as NBC Nightly News and the Today Show. The emotional conclusion follows Hope's ongoing fight for justice and healing after the unthinkable loss of her son. She describes the bittersweet moment she finally reunited with her child after three years of no contact, and how she ministers to other incarcerated women as a "light in dark places." Hope dismantles the illusion of closure, sharing how some days the grief still feels like a tsunami—yet she chooses daily to "serve love, not trauma." Her story transforms into a mission: exposing how family courts profit from broken families while offering real solutions through her Glow Up Sisterhood, a healing community for mothers navigating similar battles. The episode culminates with her metaphor of the Hope Rose—a flower blooming through cracks in concrete—symbolizing how our deepest wounds can become our purpose. Together, these two parts form a masterclass in resilience, showing how to alchemize injustice into unshakable strength.Join Glow Up Sisterhood for FREE using Promo Code: F8EB678Buy Hope Rose's book Unstoppable VisionWhere to find Hope Rose:HopeRoseSpeaks.comInsta: @hoperosespeaksIf you or someone you know is experiencing emotional distress or suicidal ideation, please access the resources below:National Suicide and Crisis Lifeline: Call/Text 988National Sexual Assault Hotline  (RAINN) : 1-800-656-HOPE (4673)National Alliance for Mental Illness: 1-800-950-6264Subscribe / Support / Contact:

In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God's grace invites us back. He doesn't lead with condemnation, but with compassion.That truth has everything to do with our financial lives.Yes, God Cares About MoneyIt's easy to think God isn't concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God.And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we're invited to bring those failures to the Lord in repentance.Grace for Financial FailuresWhen we confess our financial sins, we don't encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them.Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn't demand this—grace compelled it. Zacchaeus didn't earn salvation by generosity; his giving revealed a heart transformed by it.We're invited to that same transformation.Financial Sins Worth Repenting OfYou might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on:1. Forgetting God Owns It AllWe are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we've earned instead of worshiping the One who provides.2. Dishonesty in Financial DealingsCutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord's sight but also in the sight of man.”3. Withholding GenerosityProverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God.4. Neglecting Diligent WorkWork isn't a punishment—it's a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God's purposes.5. Living Beyond Our MeansChronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God's provision.6. Coveting Others' WealthEnvy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have.Repentance That Leads to RestorationIf any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He's asking for surrender.When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom.So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God's kindness might be calling you back in your financial life.Ask Him to search your heart. Repent of anything that's not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness.And that, friend, is true freedom.On Today's Program, Rob Answers Listener Questions:I want to know how to invest my Roth IRA funds. I have a large account with a private custodian in a checkbook LLC, and right now it's just sitting in a bank account, which is shrinking because of inflation. I just want to keep up with inflation. I'm 70 years old and want to invest $30,000 wisely. After financial challenges, I want to create a safety net for my family and 15 grandkids. I don't know much about investing and need advice on what to do with my money.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentSound Mind Investing (SMI)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.

Send us a textSaints in the South CLASSIC!        Join us this week as we discuss the continued difficulties the saints had of building up the church.   All while having to move, purchase new lands and re establish themselves time and time and again.  The early saints were challenged physically and spiritually to build of God's Kingdom here on the earth.  From Bishop Edward Partridge, Leman Copley, Sidney Gilbert, to Newel Knight, W.W. Phelps, Ezra Thayre, and Thomas B. Marsh.  All of these men were faced with their own challenges as The Lord looked for each mean to use their talents, means, and time to build up the Kingdom of God on earth.  We find that some were willing to do anything that was required of them while others, although having a willing mind and heart, lacked the courage to fulfill their duties.  Let's see what we can learn from these early saints and how we can apply it to our lives.  The road traveled is not an easy one.Support the show and become a "Patron Saint"!www.patreon.com/SaintsintheSouth(The thoughts, ideas, and beliefs we express on this channel do not officially represent The Church of Jesus Christ of Latter-day Saints.  For additional information or official statements, please visit the website below.  The Church of Jesus Christ of Latter-day Saints: https://www.churchofjesuschrist.org/?lang=eng)#biblestudy #religion #churchofJesusChrist #ldspodcast #christianpodcast #missionary #lds #biblestories #christ #faith #faithinchrist #scriptures #bookofmormon #doctrineandcovenants #pearlofgreatprice #temples #houseofthelord #mormon #god #endure #ironrod #faithineveryfootstep #generalconference #prophets #commandments #love #service #charity #keepstriving #gospelgrowthandgoodtimes #become #newtestamentSupport the show

May 26-June 1I grew up on a beautiful spread of woods and meadows near Rolla, Missouri. We had about 230 acres with our house up on the south hill overlooking a beautiful valley. A small stream called Spring Creek ran through the bottomlands and a narrow gravel road led from our home to the access road of old Highway 66. The view was so peaceful and beautiful. One late afternoon I stood outside with my Dad in our front yard looking over all of this beauty. Dad was a noted professor at the University of Missouri and for many years the Dean of the School of Science. He was brilliant. I'll never forget this moment together, because I asked Dad a question and the answer he gave me would change my life…

They say that crisis reveals character, and for a brief moment, the pandemic revealed surprising financial resilience.Many Americans experienced a rare financial reset during that season, as savings rose and debt declined. But five years later, much of that progress has unraveled. Dr. Shane Enete joins us to unpack what changed—and how believers can respond faithfully in a culture gripped by renewed financial anxiety.Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.The Unexpected Silver Lining of the PandemicWhen the COVID-19 pandemic brought life to a standstill, something surprising happened with our money. Instead of overspending, many Americans buckled down.Research from the Federal Reserve Bank of Boston and the U.S. Government Accountability Office showed that people used pandemic stimulus checks to reduce credit card balances and cut spending. Simultaneously, emergency fund levels rose to 20-year highs.With fewer opportunities to spend and greater economic vulnerability, people embraced margin, paid down debt, and began saving like never before. It was a rare moment of collective financial wisdom.The Return to Old HabitsBut that moment didn't last.Fast-forward to today, and the picture looks far less encouraging. Credit card debt has now surpassed $1 trillion, and six in ten Americans are uncomfortable with their emergency savings, up from just 37% before the pandemic.The decline in financial well-being is measurable. According to the CFPB's 2024 Making Ends Meet survey, the average financial well-being score dropped from 55 to 49. This score reflects how confident households feel about meeting basic expenses, like paying bills and putting food on the table.Even more concerning: over one in three Americans now carry more credit card debt than they have saved. And 42% say they couldn't go even one month without income before falling behind.Why It Matters for ChristiansSo, what's going on? Why the backslide? The answer lies not just in behavior but also in belief.Fear takes over when Jesus isn't present in our financial decisions. We start believing that we have to carry the full weight of financial responsibility. But Scripture reminds us that we have a good Father and a faithful Shepherd who provides for His children.As believers, we're called to live differently—to manage God's resources with wisdom, margin, and generosity. This begins with a mindset shift from ownership to stewardship.Many people dread the word “budget”, but we should really see this through a new lens. If budgeting is about tracking God's provision—your daily bread, your shelter, your gas money—then it becomes an act of gratitude. It's a moment to declare God's goodness.”By embracing this spiritual practice, we open a line of communication with the Lord about our finances. Budgeting isn't just math. It's discipleship.Your Next Step Toward StewardshipWhere do you begin if you want to live this way?Start simple and track your spending. Shine a light on your habits without judgment. What you illuminate can be transformed. Ephesians 5:13 says, “But everything exposed by the light becomes visible—and everything that is illuminated becomes a light.”Using tools like the FaithFi app can help you begin this journey. And remember, you don't have to walk it alone.Living within your means, avoiding debt, and giving generously stand out in a culture of consumption. They testify to the Spirit's work in our lives, especially the fruit of self-control.When believers manage money wisely, they display a beautiful trait of the Holy Spirit. They model a life that's free, sustainable, and others-focused—the kind of financial light the world desperately needs.To read Dr. Enete's full article in the latest issue of our quarterly magazine, Faithful Steward, become a FaithFi Partner today with a gift of $35 a month or $400 a year. Just visit FaithFi.com/Partner to join.On Today's Program, Rob Answers Listener Questions:My mother, who's in her 90s, is going to be selling my house, which I've owned for over 30 years. It looks like the sale may exceed the $250,000 capital gains exemption. If the profit goes over by, say, $20,000, what happens? How is that taxed, and how soon would she have to address it after the sale?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom 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.

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17As believers, we're called to defend the powerless and stand up for those who can't stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization's board of directors.A Hidden Crisis for Girls in LebanonWhile global headlines often focus on Lebanon's war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence.In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through.Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They're helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King.One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her.You Can Help Right NowWhen girls discover their God-given dignity and worth, it changes everything. The gospel doesn't just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal.As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus.When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn't just bless others—it deepens our trust in God and draws us closer to Him.That's the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we're trusting God to help us reach 500 girls and young women in Lebanon with protection and hope.Join us in this life-saving mission. To give:Text FAITH to 98656Visit: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let's be faithful stewards together.On Today's Program, Rob Answers Listener Questions:I'm 75 and have two retirement accounts I'm not sure what to do with. One is a TSP from my military retirement with just under $5,000. The other is a New York Life annuity worth about $50,000, but it's only earning 2%. Should I move it into an indexed annuity or keep taking the RMDs as is?My wife passed away just two weeks ago, and I'm overwhelmed. She handled our finances; I haven't paid a bill in 25 years. We tried reaching out to a Certified Kingdom Advisor before she passed, but didn't have much success. I don't have a budget, and honestly, I don't know where to begin. I need help.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom 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.

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian 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.