Podcasts about Steward

You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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Some people think being rich means owning a lot of things—when in reality, being “rich” often means a lot of things owning you. The signs of wealth are all around us: luxury cars, upscale neighborhoods, designer clothes, vacation homes. But do possessions really make people rich in a way that matters?It's hard to keep a Christ-centered perspective on wealth when our culture constantly pressures us to want more, buy more, and accumulate more. But this isn't a new problem. Jesus warned in Luke 12:15:“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.”Money and possessions aren't inherently bad, but they often tempt us toward greed, selfishness, and discontent. We need money to live, but when money becomes the main thing, it becomes a dangerous master.When Possessions Begin to Possess YouJesus doesn't just warn against greed—He offers us the key to true life: don't make your existence all about “the abundance of possessions,” or your possessions will start to possess you. Proverbs 23:4–5 echoes this wisdom:“Do not wear yourself out to get rich; do not trust your own cleverness. Cast but a glance at riches, and they are gone…”Material things can never give your heart what it truly craves.In Luke 12, Jesus tells the story of a wealthy man who tears down his barns to build bigger ones, dreaming of a long, comfortable retirement. But before he can enjoy it, God says:“You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?”Jesus concludes, “This is how it will be with whoever stores up things for themselves but is not rich toward God.”The man's tragedy wasn't just that his life ended suddenly—it was that he invested his soul in temporary abundance instead of eternal riches.Eternity Written on Our HeartsEcclesiastes 3:11 reminds us that God has “set eternity in the human heart.” Deep down, we long for meaning, purpose, and eternal life—not just more stuff. C. S. Lewis put it well:“Aim at Heaven and you will get Earth ‘thrown in': aim at Earth and you get neither.”True abundance is found in knowing God, walking with Him, and letting His love overflow into the way we love others.Jesus said in John 10:10, “I came that they may have life and have it abundantly.” And in John 15:5, He promised, “Whoever abides in me and I in him, he it is that bears much fruit.”The abundant life isn't about bigger barns or fuller closets—it's about abiding in Christ. When we do, our lives bear fruit that blesses others and glorifies God.Where Is Your Treasure?So ask yourself: What are you depending on to give your life meaning? Could some of those things be quietly taking God's place in your heart?Pray for the Lord to uproot those desires and refocus your attention on Him. Because true wealth isn't found in what you own—it's found in who owns you.That's why we created Rich Toward God—a 4-week study on the Parable of the Rich Fool. It unpacks what it means to live open-handed with your finances, showing how biblical wisdom doesn't just transform your bank account—it transforms your heart.You can order your copy—or place a bulk order for your group—by visiting FaithFi.com and clicking “Shop.”On Today's Program, Rob Answers Listener Questions:I'm unsure how to handle requests for financial help from my husband's son and his family. They face ongoing money struggles and sometimes ask us for assistance, but I'm concerned that giving could be enabling poor decisions, like spending on things that don't reflect our values. How can we approach this situation with wisdom and biblical discernment?I already have a financial advisor and some investments in place, but I want to make sure my money is supporting companies that align with my faith. Is there a tool or resource that can help me evaluate whether my investments are consistent with biblical values?I have a will, and all my investments already list beneficiaries. My advisor says a trust isn't necessary, but my children believe it's the best way to avoid probate. Do I really need a trust? Also, since my husband passed away, should I update my will and the deed to my home?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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It's easy to forget how something as simple as a pair of shoes can change a life. But for vulnerable children around the world, shoes mean protection, dignity, and the chance to dream.Today, we'll hear how Buckner Shoes for Orphan Souls is meeting this need with the love of Christ. Shawn Spurrier joins us to share the incredible impact that is being made all around the world, one pair of shoes at a time.Shawn Spurrier is the Director of Buckner Shoes for Orphan Souls at Buckner International, an underwriter of Faith & Finance. The Heart of Buckner InternationalFounded in Dallas, Texas, Buckner International has been serving vulnerable children, families, and seniors for more than 146 years. Their mission is clear: to follow the example of Jesus by serving the most vulnerable in every phase of life. From foster care and adoption to family-strengthening programs and senior care, Buckner demonstrates Christ's love in tangible ways.The Shoes for Orphan Souls initiative began 25 years ago in Dallas as a small effort to provide children in orphanages with something they lacked: their own pair of shoes. Many had to borrow communal shoes from a basket just to attend school.Since then, the ministry has distributed more than 5 million pairs of shoes in 86 countries. These shoes do more than protect feet—they open doors to health, education, dignity, and the hope of Christ.Why Shoes MatterA new pair of shoes provides more than comfort:Health Protection – In many regions, shoes prevent devastating illnesses like hookworm or podoconiosis.Access to Education – In many countries, schools require shoes as part of their uniform, making footwear a key factor in attending class.Economic Stability – Protecting children from illness reduces financial strain on families already in vulnerable situations.Hope and Dignity – Every pair is delivered with prayer, encouragement, and the gospel, often through partnerships with local churches.Stories of TransformationShawn shared two moving stories that reveal the ministry's impact:Romina in Mexico – A seven-year-old girl was overwhelmed with tears when she realized someone cared enough to give her a pair of shoes. That moment reminded Sean why this work matters—it's a tangible expression of Christ's love. Dulce in Guatemala – An eight-year-old girl received pink-and-white shoes so she could attend school. That simple gift opened the door for her family to receive housing, literacy training for her mother, and ultimately, salvation and discipleship for her father.A small act of generosity became the seed of a transformed family story.Your Opportunity to GiveThis month, we're partnering with Buckner to put shoes on the feet of 1,000 children worldwide. Each pair represents health, education, dignity, and an opportunity for children and families to hear the gospel.$15 provides a pair of shoes.$150 provides shoes for 10 children.You can be part of this life-changing work by visiting GiveShoesToday.org. Together, we can share the love of Christ one pair of shoes at a time.On Today's Program, Rob Answers Listener Questions:I'm retiring and turning 65 in February. Right now, I'm covered by my employer's health insurance, but I'm running into issues with prescription coverage. Should I sign up for Medicare now, keep my employer insurance as primary, and then wait until my younger wife becomes eligible for Medicare?I've managed to pay off all my credit card debt, but now my mortgage company has started foreclosure proceedings. They're demanding $2,160, and I'm not sure how to handle it. The FDIC says they shouldn't be taking this action, but I haven't received any formal notification yet.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes for Orphan SoulsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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.

Businessman and author T. Harv Eker once wrote, “Financial freedom is the ability to live the lifestyle you desire without having to work or rely on anyone else for money.”It's tempting to think that financial independence is the ultimate goal of life—but what does the Bible say? God's Word points us toward a far better kind of freedom.In recent years, financial independence has become a cultural ideal. People long to be self-sufficient, debt-free, and free to pursue their passions. While these desires can be wise, they also carry a subtle danger: believing we don't need anyone—including God.The Warning of the Rich FoolThis temptation isn't new. In Luke 12, Jesus told a parable about a wealthy man who thought he had “made it”:“I will tear down my barns and build larger ones, and there I will store all my grain and goods. And I will say to my soul, ‘You have ample goods laid up for many years; relax, eat, drink, and be merry.'”But God's response was sobering:“Fool! This night your soul is required of you, and the things you have prepared, whose will they be?”The man's sin wasn't wealth itself—it was trusting in wealth instead of God. His independence became his idol. In contrast, Proverbs 30 records a prayer from Agur:“Give me neither poverty nor riches; feed me with the food that is needful for me, lest I be full and deny you and say, ‘Who is the Lord?' or lest I be poor and steal and profane the name of my God.”Agur understood the heart of stewardship: daily dependence on God. Too little can lead to desperation; too much can lead to pride. The goal isn't independence, but faithful reliance on the Lord.Three Questions to Evaluate Your GoalsAs you think about your own financial journey, consider these questions:Am I placing my trust in money? Retirement savings and emergency funds are wise, but security must come from God, not a balance sheet.Am I trying to eliminate work entirely? Work is part of God's good design. Even in retirement, we're called to meaningful contribution.Am I paying off debt just for myself? Debt-free living is good, but its ultimate purpose is to gain the freedom to serve, give, and advance God's Kingdom.So, is financial independence biblical? It depends.If independence means replacing God with money, then no.If independence means freedom for generosity, stewardship, and dependence on God, then yes—it reflects something greater than wealth: a life rich toward God.Scripture reminds us that “He richly provides us with everything to enjoy” (1 Timothy 6:17) and that “every good and perfect gift is from above” (James 1:17). But those gifts were never meant to replace the Giver.A Resource for Going DeeperIf you'd like to explore this more, check out our 4-Week study, Rich Toward God. This study walks through Jesus' Parable of the Rich Fool in Luke 12, helping you discover what truly drives your financial decisions and how to align your resources with God's Kingdom purposes.You can get your copy—or place a bulk order for your church or small group—by visiting FaithFi.com and clicking the Shop tab.On Today's Program, Rob Answers Listener Questions:I've had multiple jobs with 401(k) benefits over the years, but I've struggled to stay organized with my finances. How can I get a handle on everything, and would it be wise to work with a financial advisor?My 16-year-old daughter received a $200,000 settlement after being hit by a car. Once she turns 18, she'll gain full access to the money, and I'm very concerned she'll misuse it. What options do I have to protect her from receiving it all at once?I have an adult son with autism who is on the Florida Med Waiver, which limits him to $2,000 in his checking account. I'm worried about how he'll be provided for in the future. Is there a way to set aside money for his care without affecting his benefits?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceABLE National Resource CenterUnderstanding ABLE Accounts With Matt Syverson (Faith and Finance Episode)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Why did it take so long to invent a longer-lasting bulb? Zachary Crockett finds the answer illuminating. SOURCES:Heather Dillon, mechanical engineering professor at the University of Washington in Tacoma.Jane Brox, author of the 2010 book Brilliant: The Evolution of Artificial Light.Markus Krajewski, philosopher and historian of technology at the University of Basel in Switzerland. RESOURCES:"Thomas Edison, tinkerer," by Eric Gilliam (Works in Progress, 2023)."It's Official: Stores Can No Longer Sell Most Incandescent Lights," by Hiroko Tabuchi (New York Times, 2023)."The Mystery of the Centennial Bulb: an Incandescent Light Bulb," by Martin Kykta (MAK Electro-Optics, 2021)."The Great Lightbulb Conspiracy," by Markus Krajewski (IEEE Spectrum, 2014)."Compact Fluorescent Lighting in America: Lessons Learned on the Way to Market," by L.J. Sandahl, T.L. Gilbride, M.R. Ledbetter, H.E. Steward, and C. Calwell (U.S. Department of Energy, 2006). EXTRAS:"Why Do Candles Still Exist?" by Freakonomics Radio (2025)."The Story of Byron the Bulb," by Thomas Pynchon (Gravity's Rainbow, 1973).

Billy Graham once said, “Tell me what you think about money, and I will tell you what you think about God, for these two are closely related.”In Jesus' Parable of the Talents, we see that stewardship isn't just about money—it's about how we view God. Today, Taylor Standridge joins me to explore how our image of God influences the way we give, spend, and live.Taylor Standridge is the Production Manager here at Faith and Finance, co-author of Look at the Sparrows, our 21-Day Devotional on Financial Fear and Anxiety, and a frequent contributor to our quarterly magazine, Faithful Steward, as well as other FaithFi studies and devotionals.Our View of God Shapes EverythingA.W. Tozer once wrote, “What comes into our minds when we think about God is the most important thing about us.” This truth has enormous implications for stewardship. How we see God determines how we handle what He has entrusted to us.If we see Him as generous, trustworthy, and sovereign, we will hold our resources with open hands and joyful hearts, confident that He is both our provider and our treasure. But if we see Him as distant, demanding, or indifferent, we may fall into reluctant giving, fearful hoarding, or selfish spending.Stewardship is far more than budgets and giving—it is about trust, worship, and living in light of who we believe God to be. A distorted view of God is like setting sail with the wrong coordinates: you may move with confidence, but you'll end up in the wrong place.Lessons from the Parable of the TalentsIn Matthew 25, the tragedy of the third servant wasn't his lack of ability—it was his lack of trust. Believing his master to be a “hard man,” he buried what was given to him. His fear led to inaction.This parable isn't only about money. The “talents” represent everything God entrusts to us—time, relationships, opportunities, gifts, and resources. Faithful stewardship flows not from skill, but from trust. The first two servants stepped out boldly because they trusted their master's character. Their faith led to joy, not judgment: “Enter into the joy of your master.”The deeper warning is this: when we misjudge God's heart, we hold back. When we trust His goodness, we invest boldly for His Kingdom.Obedience as God's GiftMany believers think of obedience as something they give to God. But Scripture reminds us that even obedience is a gift of grace. “It is God who works in you to will and to act according to His good purpose” (Phil. 2:13). He not only prepares good works for us (Eph. 2:10)—He empowers us to walk in them.This truth transforms stewardship from a burden into a blessing. We're not managing resources to prove ourselves; we're participating in the good works God has already prepared. Stewardship becomes a relational act of grace, not a transactional duty.The Sobering Warning—and the Joyful InvitationIn Matthew 7, Jesus warns that some will say, “Lord, Lord,” but hear Him reply, “I never knew you.” The issue wasn't activity—it was relationship. Faithful stewardship begins with knowing God as gracious, faithful, and abundantly generous.If you feel stuck or fearful—like the third servant—remember this: God isn't waiting to punish you. He invites you to trust Him. Start small. Ask Him to reshape your view, to see Him not as a harsh master, but as a loving Father.As 2 Timothy 1:7 declares, “God gave us a spirit not of fear but of power and love and self-control.” When we live from that truth, stewardship becomes delight, not duty. We don't just manage money; we step into joy, walking with the One who is our ultimate treasure.On Today's Program, Rob Answers Listener Questions:I'm a retired senior and recently heard about the new $6,000 tax break. How does this affect my overall tax liability? Should I consider withdrawing a larger amount from my 401(k) to maximize this deduction?I used to work in the financial field selling tax-sheltered annuities, and I've always thought they were strong investment options. Lately, I've noticed some advisors speaking negatively about annuities. What's your perspective on annuities as an investment today?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

4 Ways to Be1 Cor. 4:1-2Luke 12:41-48

Zechariah – Session 1: “He Whom the Lord Remembers” Key Verse: “Return to me, and I will return to you, says the Lord of hosts.” (Zechariah 1:3) Main Points Zechariah's Background Name means “He whom Jehovah remembers.” Of priestly descent, called as a youth. Ministry followed Haggai, encouraging Israel to rebuild the temple. God's Call to Repentance Renewal begins with turning back to God. Example: Prodigal Son — the father waited for his return. God's promise: Return to Me, and I will return to you. Visions of Hope Horses among the Myrtle Trees: angels patrol the earth, reporting it is at rest. God reassures: He is zealous for Zion and will restore Jerusalem. God's Word Stands Forever Prophets and fathers pass away, but God's word never fails. All will give account: believers at the Bema Seat, unbelievers at the Great White Throne. Jerusalem at the Center of Prophecy 1967: Jerusalem returned to Jewish control — a key prophetic marker. Jerusalem is God's chosen city, the hinge of end-time prophecy, and the place of Christ's return. Christ Foreshadowed Joseph's story parallels Jesus: rejected, exalted, recognized first by Gentiles. At Christ's return, Israel will “look upon Him whom they pierced.” Takeaways Return to God daily. Repentance is the doorway to renewal. Steward what God entrusts. Children, blessings, and gifts all belong to Him. Stay watchful. God's plan is unfolding precisely; Jerusalem is the prophetic focal point. Live with gratitude. Gentiles have been grafted in by God's mercy. Application: Be ready, live repentant, and keep your eyes on God's Word and His plan. “He whom Jehovah remembers” — and He remembers you.

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For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.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 Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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What if your portfolio could help advance justice, compassion, and human flourishing?Aligning your investments with your faith isn't just about avoiding harm—but actively shaping the world around them for good. Stella Tai joins us to talk about how investors are putting their values to work in the marketplace.Stella Tai is the Stewardship Investing Impact and Analysis Manager for Praxis Investment Management, an underwriter of Faith & Finance.Faith-Based Investing in Action: Praxis' 2024 Impact ReportFor many believers, investing isn't just about building wealth—it's about aligning financial decisions with faith values. Praxis Investment Management, a pioneer in faith-based investing since 1994, continues to demonstrate how Christians can utilize their investments to promote justice, compassion, and tangible change in the world. In its latest Impact Report, Praxis highlights how investor dollars are transforming communities and influencing some of the world's largest companies.Shaping a more just and compassionate world is something that's important to many investors, particularly those of faith. Praxis' annual report reveals where the money goes and how it's used, inspiring others to view their investments as powerful tools for making a difference.Praxis organizes its efforts around seven “impact strategies,” which support underserved communities, promote responsible business practices, and bring faith into everyday financial decisions.Speaking Truth to Power: Shareholder AdvocacyOne highlight of the report is Praxis's work in shareholder advocacy with global brands like Nike.Nike employs over a million people worldwide, many of whom are based in vulnerable regions. Praxis is part of a coalition pushing for stronger human rights protections in the supply chain, including safeguards against wage theft and exploitation. Every worker deserves to have their God-given dignity respected.Praxis is also collaborating with companies such as Coca-Cola and Nestlé to address child labor and wage theft in the global sugar supply chain, advocating for third-party audits and increased transparency.Positive Impact Bonds: Financing ChangeBeyond advocacy, Praxis invests in bonds that directly benefit communities. Recent purchases include:World Bank IDA Program Bonds, targeting extreme poverty with measurable results.Green and Sustainable Bonds from Freddie Mac, which expand affordable housing and environmental stewardship.These investments generate jobs, improve access to healthcare, and help communities thrive—all while providing competitive financial returns.Real Stories of TransformationPraxis' report also shares stories of hope, such as the expansion of Always Keep Progressing, a Miami therapy center that serves children with special needs. Through investment partnerships, the clinic now helps more than 400 families.This is redemptive investing in action. It's about fostering human flourishing, not just financial gain.Praxis also partners with Community Development Financial Institutions (CDFIs) and credit unions that serve neighborhoods often overlooked by traditional banking systems. These organizations offer small business loans, enhance access to healthcare, and provide support to underserved rural and urban areas.Whether here in the U.S. or abroad, CDFIs are helping communities gain access to capital and create opportunities.The Momentum of Faith-Based InvestingMore Christians are realizing that their portfolios can reflect their values.Scripture calls us to care for the poor, the widow, the orphan, and the foreigner. When our faith aligns with our financial actions, even small changes can move markets toward justice.This includes proxy voting, which Praxis views as a form of corporate discipleship—using investor influence to advocate for fair labor, environmental stewardship, and other critical issues.How to Get StartedStart by asking yourself a simple but important question: “Do my investments reflect my faith values?” If the answer is no—or you're not sure—consider talking with a financial professional who understands faith-based investing. Every investor, whether managing a little or a lot, can play a role in shaping a redemptive economy. That's why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.”Praxis' Impact Report offers practical insights and inspiring stories of transformation. You can access it at PraxisInvests.com, along with quarterly updates and resources to help you make informed, faith-driven investment decisions.On Today's Program, Rob Answers Listener Questions:I'd like to set up a trust that distributes money to my children monthly after my death, rather than giving them a lump sum. How is a trust manager typically compensated? Are they paid with each monthly distribution, or do they take a percentage?I'm 71, retired, and using a managed account to supplement my retirement income by withdrawing about 4.2% annually. Is this a wise approach for sustaining my retirement, or should I consider other strategies?I just turned 66 and plan to file for Social Security soon. My goal is to be debt-free by the time I retire. Should I use my Social Security benefits over the next couple of years to pay off my mortgages so I can enter retirement without debt?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Praxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Scripture: Genesis 2

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Some things change with the times—but God's financial principles never do. They're not only timeless; they work in every situation, for every person, at every income level.Whether you're barely making ends meet or managing significant wealth, the Bible's wisdom for handling money is always right on target. Today, Ron Blue will unpack five proven principles for managing your money well.Ron Blue is a nationally recognized financial expert, co-founder of Kingdom Advisors, and author of more than 20 books on biblical money management. With decades of experience advising families and leaders, he has dedicated his life to equipping Christians to manage their resources wisely and steward them for God's kingdom purposes.A Lesson From the Senate FloorBack in the early 1990s, Ron Blue was invited to testify before a U.S. Senate subcommittee on family and money matters. When asked what advice he would give American families, his response was simple yet profound:Spend less than you earn.Avoid debt.Build liquidity or margin.Set long-term goals.Give generously.To Ron's surprise, the senator responded, “That would work for every family—at any income level.” Ron smiled and added, “Yes, Senator, including the United States government.”These five principles, he says, are universal. They apply not just to families, but also to businesses, communities, and even nations.Principle 1: Spend Less Than You EarnThis is the foundation of wise financial decision-making.It's the “slow road to wealth,” but it's also the surest way to financial freedom. This principle enables families to establish stability without pursuing risky shortcuts or falling into the trap of trying to become wealthy quickly.Principle 2: Avoid DebtDebt can be both a practical and spiritual burden. From a financial standpoint, debt always mortgages the future. Any borrowed money becomes a priority expense—one that takes precedence over all others until it's repaid.Not all debt is created equal—some can be strategic, like a mortgage—but even “good” debt ties up future income and limits financial flexibility.Principle 3: Build Liquidity (Margin)Margin is what allows families to weather life's inevitable surprises—a medical bill, car repair, or job loss—without spiraling into crisis.People with cash flow margin are always more secure. They know they can meet the unexpected, and that creates peace of mind and security. An emergency fund isn't just about financial stability; it's about emotional and spiritual calm when life throws curveballs.Principle 4: Set Long-Term GoalsShort-term thinking often leads to financial stress and impulsive decisions. By setting long-term goals, families can prioritize spending and align their financial choices with their values.The longer term your perspective, the better your decision today. Goals give direction and help families measure progress—not just in wealth, but in stewardship and Kingdom impact.Principle 5: Give GenerouslyFinally, generosity breaks the power of money. Jesus taught that we cannot serve both God and money (Matthew 6:24). By giving, we release our grip on wealth and keep our hearts anchored in Christ rather than in material security.Generosity is the only way to break money's hold on you.Timeless Wisdom for Every HouseholdWhether you're just starting your financial journey or seeking a reset, these five principles offer a roadmap to freedom and peace. They are not about complicated strategies or quick fixes—they're about faithful, steady stewardship rooted in biblical wisdom. If you do these five things, you'll position yourself for God's best in your finances.On Today's Program, Rob Answers Listener Questions:I recently started a new job, but I still have a 401(k) from my previous employer. Since I'm over 55, I was told I can withdraw from it without a penalty. My husband thinks we should withdraw $15,000 to cover some home repairs, but I'm nervous about dipping into my retirement savings.I'm 51 and planning to retire at the end of next year. I have a state pension, along with several 401(k) and 403(b) accounts I've accumulated over the years. What's the best way to handle these accounts once I retire?My husband and I have been married for 12 years, and we have a prenup that keeps our finances separate. I have around $700,000 in savings and a terminal illness. How should I decide how much to leave for my husband and how much to give to the Lord?I've had a reverse mortgage since 2010, and my house has increased significantly in value. I'd like to know how much equity I can access now and whether I need to refinance, or if it's possible to expand my line of credit simply.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)FamilyLife | FamilyLife BlendedWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On this day in Tudor history, 4 September 1550, Sir Thomas Paston, a gentleman of the privy chamber under Henry VIII and Edward VI, died. If the name Paston rings a bell, it should: the Paston Letters gave us one of the richest pictures of late-medieval/early-Tudor gentry life. But Thomas Paston wasn't just part of a famous family, he carved out his own path at the heart of power. In this video, I trace his journey from younger son to royal insider: Gentleman of the privy chamber (daily access to the king) Keeper of the armoury at Greenwich (1541) Steward & constable of Castle Rising (1542) French campaign with Henry VIII and knighthood after Boulogne (1545) Local authority & Parliament: steward of estates, MP for Norfolk, J.P. Crisis manager: helped quell Kett's Rebellion (1549) Family life: marriage to Agnes Leigh; heir Henry (aged 4 at Thomas's death), with Agnes pregnant with Edward If you enjoy these “On This Day” spotlights, please like, subscribe, and ring the bell. Want Tudor extras? Consider joining my YouTube channel as a channel member for exclusive talks, resources, and my monthly magazine. #TudorHistory #PastonLetters #HenryVIII #EdwardVI #Norfolk #KettsRebellion #OnThisDay #AnneBoleynFiles #HistoryYouTube

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.

In 2024, Pastor Paul paused his stewardship series to deliver a timely and energetic message of hope about how God can lift you up during life's lows. When life breaks you down, learn to strengthen yourself in the Lord like David at Ziklag (1 Samuel 30). To support this ministry financially, visit: https://www.oneplace.com/donate/1213/29

Thanks for listening!Visit us online at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.salvationnow.ca⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram, TikTok & Twitter @tjmalcangiSubscribe to our YouTube channel “TJ Malcangi”God bless you!

Cutting your budget doesn't have to mean cutting joy out of your life. With a bit of creativity and intention, you can save money while still enjoying what truly matters. Here's how to bring more purpose—and even fun—into your spending plan.Before diving into practical steps, begin with prayer. Ask God to help you cultivate contentment, because wise spending starts with a heart that trusts Him. As Paul reminds us in 1 Timothy 6:6, “But godliness with contentment is great gain.” Budgeting isn't just about numbers; it's about aligning your heart with gratitude for what God has already provided.1. Try a “Pantry Challenge” MonthCommit to eating what you already have in your fridge, freezer, and pantry for an entire month. You'll reduce grocery spending and uncover forgotten items—maybe even a few surprises. Free apps like SuperCook or Cooklist can help you find creative recipes using your existing ingredients, turning the challenge into a fun family adventure.2. Create a Family Fun FundEntertainment doesn't have to be expensive. Set a monthly cap for fun activities and get the whole family involved in choosing them. One week could be a hike and picnic at the park; another, a cozy movie night at home with popcorn and dollar-store candy. This approach teaches that joy isn't tied to a price tag.3. Swap Babysitting with Another FamilyChildcare can be costly, but community is a gift. Partner with another family you trust to take turns watching each other's kids. One week, you get a date night, the next they do—and no one spends a dime. You'll save money, build relationships, and create margin in your budget.4. Take On One Service YourselfPick one recurring expense and try handling it yourself for a season—such as washing the car, mowing the lawn, or grooming the dog. You may save more than you expect and even gain a new skill or appreciation for the task.5. Declare a Monthly “No-Spend” WeekendChoose one weekend a month to spend nothing beyond the essentials. Use the time to rest, reconnect, and enjoy free or low-cost activities, such as playing board games, going for a hike, or visiting the library. Turn it into a family challenge by deciding together how to use the extra savings for giving, saving, or a future treat.6. Practice the 30-Day RuleWhen tempted by a big purchase—like a gadget or appliance—write it down with the date and wait 30 days. If you still want it and it fits the budget after a month, you can move forward with confidence. More often than not, the urge will pass, and you'll keep your money where it belongs.None of these ideas is earth-shattering—and that's the beauty of them. Real transformation often comes from small, consistent decisions: choosing contentment over consumption, planning over impulse. Each intentional step strengthens your financial stewardship and, even more importantly, your trust in God.When your kids see you making wise choices, they learn the importance of being a good steward. When your spouse feels included, it builds unity. And when you invite God into your day-to-day financial decisions—even the small ones—you'll see His faithfulness in significant ways.A Tool to Help You Stay on Track: The FaithFi AppIf you're ready to take the next step in intentional budgeting, the FaithFi app is a great place to start. It helps you track spending, build margin, and grow in biblical wisdom—all in one place. Visit FaithFi.com and click “App” to get started.With a little creativity and a lot of intentionality, you can cut costs without cutting out what matters most.On Today's Program, Rob Answers Listener Questions:I'd like to understand the difference between prepaid cards and credit cards—the pros and cons of each. My primary concern is avoiding debt, so I'm trying to determine which prepaid card would be the best option for me.I recently received $20,000 and need advice on the best way to invest it. My goal is to strengthen my emergency savings while still making wise financial decisions.I'm 12 and get a $100 monthly allowance. I want to learn how to save and invest my money wisely.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes For Orphan SoulsBankrate.com | NerdWalletStashWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Briar: AdaptabilityBusiness isn't just about profits—it can be a catalyst for building community. Briar Rose Penney, the steward and CEO of Inner Space KC, exemplifies this philosophy. During today's episode, Briar Rose shared how their unique yoga studio and community space blends wellness, creativity, and collaboration in a way that has not only grown their business but strengthened the bonds between diverse groups in Kansas City.Inner Space KC operates as more than a yoga studio. It's a thriving ecosystem where martial arts, dance, qigong, and tai chi classes meet creativity and collaboration. “We have 12 commercial tenants that rent with us,” Briar Rose explained. “Their rent directly subsidizes our programming and stabilizes our finances. But also, we all kind of would only be here because of each other.” This symbiotic relationship allows the space to host everything from art markets to activism events, creating a vibrant hub where personal care and creativity intersect.One key to this success is Briar Rose's emphasis on building community through intentional care. Volunteers, or “caretakers,” play a vital role in maintaining the space's welcoming atmosphere. “Touch everything—even if it's something that no one is going to notice,” Briar Rose said, underscoring the importance of attention to detail. “The feeling of it being connected with and touched and attended to does translate. People can feel that when they walk in the space.” This meticulous care has contributed to Inner Space KC's remarkable 30% revenue growth over the past year.Briar Rose's approach also underscores the importance of staying true to the values that make a business unique. After a period of trial and error, they found that leaning into their studio's distinct offerings—rather than imitating others—created the consistency and growth they needed. “We had to come back to what was already working and let that show us, ‘Oh, this is how we grow.'”Inner Space KC is currently raising capital through a regulated investment crowdfunding campaign on Honeycomb Credit, marking their second successful foray into alternative funding. Briar Rose emphasized how this approach has opened doors where traditional financing fell short. “Banks really just don't see you,” they said. “The Honeycomb thing was a really cool expansion of my horizon. There are alternative sources of capital out there—you just have to open up to them and look.”By blending business with community-building and creativity, Briar Rose is helping redefine what success can look like. Inner Space KC is proof that fostering connection and care can lead to both financial growth and meaningful impact.tl;dr:Inner Space KC blends yoga, martial arts, and creativity to foster community and collaboration in Kansas City.Briar Rose Penney embraces volunteers as a cornerstone of Inner Space KC's welcoming, thriving environment.Adaptability and a willingness to pivot have been key to the studio's 30% revenue growth.Alternative crowdfunding has enabled Briar Rose to bypass traditional financing and expand Inner Space KC.By building a business rooted in care, Briar Rose proves that community and profit can coexist.How to Develop Adaptability As a SuperpowerBriar's superpower is adaptability—the ability to pivot, learn, and grow through challenges. They describe this skill as a willingness to “try things and recognize that not everything you try is going to work,” adding, “You really just have to be willing to pivot without drama or ego or blame.” Briar Rose's openness to experimentation and their capacity to let go of rigid ideas have allowed them to navigate the complexities of running Inner Space KC with grace and resilience.Illustrative Story:Briar Rose shared how they initially focused on growing memberships and increasing foot traffic at Inner Space KC, believing this was the key to success. However, the strategy didn't yield consistent results. Instead of doubling down, Briar Rose reflected on what the business truly needed. They realized their community valued the studio's unique, niche offerings rather than uniform programming. By leaning into these strengths, they saw class attendance and memberships grow organically, highlighting the power of adaptability in business.Tips for Developing Adaptability:Embrace Experimentation: Be open to trying new approaches, even if you're unsure of the outcome.Learn from Failure: View setbacks as opportunities for growth rather than reasons for discouragement.Seek Feedback: Surround yourself with peers and mentors who can offer constructive criticism and guidance.Stay Curious: Cultivate a mindset of curiosity to continuously explore new possibilities.Let Go of Ego: Avoid attaching yourself to rigid plans or ideas; be willing to pivot as needed.By following Briar's example and advice, you can make adaptability a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileBriar Rose Penney (they/their):CEO / Steward, Inner Space KCAbout Inner Space KC: Inner Space is a community movement, yoga and healing arts center in midtown Kansas City, MO. Community Movement is the body that owns and manages Inner Space, our building and 12 resident small business tenants and community events.Website: innerspacekc.comCompany Facebook Page: facebook.com/innerspaceyogaInstagram Handle: @innerspacekcOther URL: heartlandmysteries.substack.com Biographical Information: Briar Rose (they/them) is an artist, teacher, spirit worker and the steward and lead care-taker of Inner Space and Community Movement. A lifelong student of the body, they have been teaching movement since 2013. Rooted in animism, land-based traditions and radical politics, their work draws from deep reverence and ongoing study of qi gong, yoga, community ritual and folk magic.Personal Facebook Profile: facebook.com/alexisblairpenneyInstagram Handle: @heartlandmysteriesSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Rancho Affordable Housing (Proactive), and Flower Turbines. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture |  Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on September 16, 2025, at 1:30 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, September 17, 2025, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on "What's the Difference Between Gambling and Investing? Diversification." When it comes to money, too many people confuse speculation with true investing. In this session, Devin will explore what separates gambling from responsible investment practices—and why diversification is one of the most important tools for reducing risk and improving outcomes. Drawing on real-world examples and practical strategies, he'll help you understand how to evaluate opportunities, spread risk wisely, and think long-term about your portfolio. Whether you're new to investing, considering your first community round, or looking to refine your approach as a seasoned investor, this SuperCrowdHour will give you actionable insights to strengthen your decision-making. Don't miss this chance to sharpen your perspective and invest with greater confidence.Superpowers for Good Live Pitch, September 29, 2025. Hosted by Devin Thorpe on e360tv, this special event gives purpose-driven founders the chance to pitch their active Regulation Crowdfunding campaigns to a nationwide audience of investors and supporters. Selected founders will gain exposure to investors, national visibility across social and streaming platforms, and exclusive prizes from judges and sponsors—all at no cost to apply or pitch. Applications close September 8, 2025. Founders: Apply today to take the stage where capital meets impact!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.NEIGHBR Live Webinar, in partnership with FundingHope, will share NEIGHBR's story with a wider audience — September 3 at 11 AM EST. Reserve your spot today!Earthstock Festival & Summit (Oct 2–5, 2025, Santa Monica & Venice, CA) unites music, arts, ecology, health, and green innovation for four days of learning, networking, and celebration. Register now at EarthstockFestival.com.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Impact Accelerator Summit is a live in-person event taking place in Austin, Texas, from October 23–25, 2025. This exclusive gathering brings together 100 heart-centered, conscious entrepreneurs generating $1M+ in revenue with 20–30 family offices and venture funds actively seeking to invest in world-changing businesses. Referred by Michael Dash, participants can expect an inspiring, high-impact experience focused on capital connection, growth, and global impact.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Steward ownership is emerging as a powerful step for B Corps that want to safeguard their mission beyond what the benefit corporation legal protection provides. In this episode of Beyond the B, Ryan Honeyman talks with Achim Hensen of the Purpose Foundation and Luis Duarte of Amoofy about how steward ownership can shift power dynamics, protect purpose, and build a more values-driven economy. From Patagonia to emerging startups, they explore why this model may be the “gold standard” for B Corps seeking lasting impact.View the show notes: https://go.lifteconomy.com/blog/is-steward-ownership-the-gold-standard-for-b-corps-w-achim-hensen-luis-duarteUnlock your free B Corp Values Assessment—plus tips and insights to help your business grow. https://go.lifteconomy.com/b-corp-newsletter

Football season is underway ! Our first guest today is Marana High School Football Coach Phillip Steward. We'll be discussing the football program that he has built and the young men that he impacts.Next we have former University of Arizona and NBA basketball player Reggie Geary.  After his playing and coaching career, he has transitioned over to broadcasting. We'll talk about being an analyst for Arizona basketball.

In 2024, Pastor Paul paused his stewardship series to deliver a timely and energetic message of hope about how God can lift you up during life's lows. When life breaks you down, learn to strengthen yourself in the Lord like David at Ziklag (1 Samuel 30). To support this ministry financially, visit: https://www.oneplace.com/donate/1213/29

What if your work isn't just a job—but part of God's bigger story for your life?For some, work is a source of stress, struggle, or simply something to endure. But what if we're seeing it all wrong? What if God designed work to be a vital part of how we worship Him and serve others? Dr. Tom Nelson joins us today to talk about that. Dr. Tom Nelson is the President of Made to Flourish and has served as the Senior Pastor of Christ Community Church, a multi-site congregation across Kansas City, for over 30 years. He is also the author of Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World.False Narratives About WorkCulture tells us many things about work—most of them untrue.“Thank God it's Friday” reflects the belief that work is a curse and that our real lives happen only on weekends.Work as mere productivity reduces our calling to a paycheck or to-do list.Sacred vs. secular divide suggests ministry work matters more than other vocations.However, if we return to Genesis 1 and 2, we find that work is not a curse. Work is God's good design. Whether paid or unpaid, our work is part of how we glorify Him.The Four-Chapter Story of WorkDr. Tom Nelson uses a “four-chapter” framework to show how the Bible shapes a proper view of work:Creation – What Ought to Be. God designed work as a gift and a reflection of His image. Work and worship were never meant to be separate.The Fall – What Is. Sin corrupted work, introducing toil, frustration, and broken relationships.Redemption – What Can Be. Through Christ, our work can be redeemed. Whether changing diapers, leading a company, or volunteering, we bring God's presence into every environment.New Creation – What Will Be. One day, we will experience work in its perfect form—creative, joyful, and without sin—in God's restored Kingdom.One of the most transformative ideas to remember is that all work done for God's glory is sacred. Work is contribution, not just compensation. We carry God's presence with us into our workplaces because the Holy Spirit dwells within us.This perspective breaks down the artificial barrier between “spiritual” and “secular” work. It gives believers a seamless life of worship—Sunday through Monday.Hope for the FutureWe won't spend eternity sitting on clouds. Revelation offers us a glimpse of a garden city where we will worship Jesus and engage in creative, joyful work—free from sin, frustration, and the need for perfect relationships with God and others.If you've believed that your work doesn't matter, be encouraged that you were created with work in mind. God is with you in your work. When you embrace Jesus and become His apprentice, you'll learn to live a seamless life where every task, big or small, can glorify Him.Dr. Tom Nelson's latest book, Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World, is available wherever books are sold. To learn more about integrating faith and work, visit MadeToFlourish.org.On Today's Program, Rob Answers Listener Questions:I'd like advice on how to invest between $30,000 and $60,000 to generate steady monthly or quarterly dividends. My goal is to cover about $150 a month to help with some expenses.I've been on SSDI for about five or six years due to health issues, and I also earn about $1,400 a month from a part-time job. Am I allowed to contribute to an IRA with this income?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Made to FlourishWhy Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World by Dr. Tom NelsonCommon Good MagazineBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

We all ask it: What can I do? Pastor Dom shares how that question drew him to Jesus and how the Holy Spirit equips every believer with gifts—given to be given—“for the common good” (1 Cor. 12:7). From children's ministry memories to Paul's vision of one body with many parts, this message calls us to steward our time and talents with humility and urgency, so others meet Christ through our service. Key ideas One Giver, many gifts (1 Cor. 12:4–6) Gifts are for the common good—they're received to be released (v.7) One body, many parts—we need each other; no part is expendable (vv.12–14, 21–22) Steward your time like any other gift—offer firstfruits to God and others

Father Edward Looney reads and comments on The Life of Jesus Christ and Biblical Revelations: From the Visions of Anne Catherine Emmerich.Day 98Volume 2FROM THE CLOSE OF THE FIRST PASCH TO THE CONVERSION OF THE SAMARITAN WOMAN AT JACOB'S WELLChapter 5: The Parable of the Unjust StewardChapter 6: Jesus and the Disciples Invited to Teach and Baptize in SeleuciaLEARN MORE - USE COUPON CODE ACE25 FOR 25% OFFThe Life of Jesus Christ and Biblical Revelations: From the Visions of Blessed Anne Catherine Emmerich Four-Book Set - https://bit.ly/3QVreIsThe Dolorous Passion of Our Lord Jesus Christ: From the Visions of Anne Catherine Emmerich - https://bit.ly/4bPsxRmThe Life and Revelations of Anne Catherine Emmerich Two-Book Set - https://bit.ly/3yxaLE5The Life of the Blessed Virgin Mary: From the Visions of Anne Catherine Emmerich - https://bit.ly/3wTRsULMary Magdalen in the Visions of Anne Catherine Emmerich - https://bit.ly/4brYEXbThe Mystical City of God Four-Book Set - https://bit.ly/44Q9nZbOur Lady of Good Help: Prayer Book for Pilgrims - https://bit.ly/3Ke6O9SThe Life of Jesus Christ in a Year: From the Visions of Anne Catherine Emmerich is a podcast from TAN that takes you through one of the most extraordinary books ever published. Follow along daily as Father Edward Looney works his way through the classic four-volume set, The Life of Jesus Christ and Biblical Revelations, by reading a passage from the book and then giving his commentary. Discover the visions of the famous 19th-century Catholic mystic, Blessed Anne Catherine Emmerich, a nun who was privileged by God to behold innumerable events of biblical times.Anne Catherine's visions included the birth, life, public ministry, Crucifixion, and Resurrection of Jesus Christ, as well as the founding of His Church. Besides describing persons, places, events, and traditions in intimate detail, she also sets forth the mystical significance of these visible realities. Here is the infinite love of God incarnate and made manifest for all to see, made all the more striking and vivid by the accounts Blessed Anne has relayed.Listen and subscribe to The Life of Jesus Christ in a Year: From the Visions of Anne Catherine Emmerich on your favorite podcast platform or at EmmerichPodcast.com.And for more great ways to deepen your faith, check out all the spiritual resources available at TANBooks.com and use Coupon Code ACE25 for 25% off your next order.

“One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want.” —Proverbs 11:24Scripture calls us to be both wise savers and generous givers—but holding those two together can feel like a tension. How do we avoid fear on one side and foolishness on the other? Dr. Shane Enete joins us today to show how these two principles actually go hand in hand.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.Living in the TensionJohn Wesley famously wrote, “Earn all you can, save all you can, give all you can.” It sounds simple enough, but when you sit down with a budget, the statement can feel more like a paradox than a plan. After all, how can you both save as much as you can and give as much as you can? At some point, choices must be made.Rather than resolving the paradox with rigid rules, we encourage believers to embrace the complexity as part of the Christian life.In the absence of clarity, many of us make rules. One common example is the “80/10/10 rule”—give 10%, save 10%, and live on the remaining 80%. While this framework may be helpful, we must also be cautious that this can risk reducing Christian stewardship to legalism.The Christian life is a paradox. Christ Himself is a paradox—fully God and fully man. When we encounter a paradox, we shouldn't flatten it into a rule. Instead, we're invited into a relationship with God and to walk with Him in the tension.Stewardship as ArtSo how do we approach the paradox of saving and giving without rigid formulas? We should think of stewardship more as an art rather than a science. Just as Jesus used metaphors—such as sheep, seeds, trees, and vines—to describe the mysteries of the Kingdom, we too can use metaphors to navigate the complexity of money.Art allows us to co-create with God, and it moves us from rule-keeping to relationship, from legalism to a life that draws us closer to Him and to one another.One compelling metaphor is water. Water is life-giving when it flows, but when it stagnates, it becomes toxic. In the same way, money is meant to flow—received from God and passed on to bless others.Of course, saving is still essential—as it's like a reservoir that ensures water can flow steadily—but the point is not the reservoir itself. It's the flow that revitalizes both the giver and those who receive.The call to “save all you can, give all you can” is not a puzzle to be solved but a paradox to be lived. By resisting the urge to reduce it to rigid formulas and instead embracing stewardship as a creative act with God, we discover a more life-giving way to approach money. The flow is what matters. That's what brings life.You can read Dr. Enete's full article—and gain access to other exclusive resources—by becoming a FaithFi Partner. With your support of $35 a month or $400 a year, you'll not only receive Faithful Steward but also enjoy other special benefits designed to encourage and equip you on your stewardship journey. Join us today at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:My wife and I are buying our first home, and we're a single-income family. Should I include her on the mortgage, or keep her off so she wouldn't be financially responsible if something were to happen to me?I was born in 1959, so my full retirement age for Social Security is 66 and 10 months. I plan to continue working and earn around $60,000 per year, and my Social Security benefit will be approximately $38,000 per year. Can I work and collect my full benefit, or do I need to worry about an earnings limit?You've mentioned online investing options, such as robo-advisors, for individuals looking to invest less than $20,000. What is the name of that service?I want to start an account for my great-grandchildren—ages three, 18 months, and one week—to put money aside for them. I've considered a universal life insurance policy (UIL), but I'd appreciate your advice on the best approach.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)SavingForCollege.comSchwab Intelligent Portfolios®Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

It's easy to believe that having more money would fix everything—that if we just had enough, life would finally feel secure, peaceful, and even meaningful.From lotteries to luxury ads, our world constantly tells us that more wealth is the goal. But Scripture invites us to ask a better question: not how much money do I have?—but why do I want it in the first place?Money itself isn't the problem. Scripture never condemns wealth. But it does warn us about the heart behind it. The late Larry Burkett, a mentor to many in biblical finance, once said there are seven reasons people pursue wealth—and six of them can lead us astray. Why? Because when money becomes our focus, it often takes the place of God.Before we talk about how to use it, we need to ask: What's driving us to accumulate it?1. ConformitySome pursue wealth simply because everyone else is. Whether from family pressure or cultural expectations, they chase money without asking if it's what God wants.Romans 12:2 reminds us: “Do not conform to the pattern of this world, but be transformed by the renewing of your mind.” God calls us to live in alignment with His Kingdom—not the world's standards.2. EnvyOthers look at their neighbor's lifestyle and crave the same.Ecclesiastes 4:4 says: “All toil and all achievement spring from one person's envy of another. This too is meaningless, a chasing after the wind.”Envy leaves us restless—always reaching, never resting.3. CompetitionFor some, wealth is a scoreboard. It's not about having enough—it's about having more than others.But when competition drives us, life becomes a race, and people become obstacles. Philippians 2:3 offers a better way: “Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.”Kingdom living doesn't play to win—it plays to serve.4. EgoMany tie wealth to identity. They want to be seen as successful, admired, and important. Even their giving can become a form of self-promotion.Paul redirects us in 1 Timothy 6:17: “Command those who are rich in this present world not to be arrogant nor to put their hope in wealth … but to put their hope in God, who richly provides us with everything for our enjoyment.”Wealth isn't a trophy—it's a tool.5. Love of MoneySome simply love money. They obsess over their accounts and fear losing it.1 Timothy 6:10 warns: “The love of money is a root of all kinds of evil.” This isn't about having money—it's about being ruled by it.6. SecurityOthers pursue wealth out of fear. Wealth can create the illusion of safety.Proverbs 18:11 says: “The wealth of the rich is their fortified city; they imagine it a wall too high to scale.”But that security is imagined. Real peace doesn't come from what we've saved, but from the One who holds us.7. Generosity: The One Good ReasonSo, what's the one God-honoring reason to build wealth? To give it away.Generosity flows from a heart that sees money not as a possession to protect, but as a tool to serve. Jesus summarized this in Matthew 22:37–39: “Love the Lord your God … and love your neighbor as yourself.”Dr. Justo González notes in Teach Us to Pray that when we ask for “our daily bread” in the Lord's Prayer, it's a communal request. If we have more than we need today, it's not accidental—it's providential. What's in your hands may be God's answer to someone else's prayer.St. Augustine put it this way: “Find out how much God has given you and from it take what you need; the remainder is needed by others.”The early church modeled this in Acts 4:34: “There was not a needy person among them.”The Call to StewardshipBuilding wealth isn't about hoarding or raising our net worth. It's about aligning resources with God's purposes and becoming participants in His provision for others.When financial goals are rooted in love for God and neighbor, wealth becomes a ministry—not a measure of success.Let God reshape your reason for building wealth, and discover the joy of using what He's given you to bless others and glorify Him.On Today's Program, Rob Answers Listener Questions:I'd like to understand what a real estate investment trust (REIT) is and how it works, especially in relation to my retirement savings. Do REITs tend to lose value over time?I'm thinking about selling my house and moving into a 55-plus community. Would it make sense to use the equity from my home to pay off my mortgage and credit card debt, thereby simplifying my finances?I'm trying to set up a trust and would like to know what to expect in terms of pricing. Is there a standard fee, or are there other factors I should be considering?My husband recently passed away and left me a significant amount of money. Since he handled all our finances, I'm unsure whether I should invest in annuities or spread the money across various investments. What would you recommend?I received a letter from the IRS about a retirement account in another state that I'd completely forgotten about. I've tried contacting my former employer, but can't locate the account. Should I be concerned, or will the IRS resolve this issue?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D. National Registry of Unclaimed Retirement BenefitsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

When it comes to our finances, we often wonder: Where does God's provision end and our responsibility begin? Should we simply wait and trust Him—or get to work and provide for ourselves?The truth is, it's not either-or. God calls us to both trust Him and participate in His provision. Not because He needs our help, but because He delights in working through us.Avoiding Two ExtremesYou've likely heard the phrase, “Let go and let God.” While it sounds spiritual, it can sometimes lead to passivity. On the other end of the spectrum, some of us live as if everything depends on us—hustling, stressing, and striving in our own strength.Scripture offers a better way: a life of faith that doesn't ignore work, and a life of work that doesn't ignore faith. God invites us into a partnership—trusting His sovereignty while faithfully engaging in our responsibilities.Paul writes in 2 Timothy 2:6, “It is the hard-working farmer who ought to have the first share of the crops.” The farmer can't make the rain fall or the seeds grow, yet he tills, plants, and harvests. He works diligently while depending entirely on God for the increase.In the same way, we can't control the economy or prevent every financial emergency—but we can make wise choices. By living below our means, avoiding debt, and giving generously, we acknowledge God as our Provider while faithfully stewarding what He entrusts to us.God Provides—We ParticipatePsalm 104:14 reminds us, “You cause the grass to grow for the livestock and plants for man to cultivate.” God causes the growth, yet invites us to cultivate it. His provision is not a one-sided transaction—it's a relationship.We see this throughout Scripture. When Jesus fed the 5,000, He didn't create food out of thin air. Instead, He multiplied a boy's simple lunch. God chooses to involve us, not because He lacks resources, but because He delights in using us to bless others.God's Word makes it clear that provision and work go hand in hand.Ephesians 4:28 urges, “Let the thief no longer steal, but rather let him labor… so that he may have something to share with anyone in need.”1 Thessalonians 4:11–12 calls us to “work with your hands… so that you may walk properly before outsiders and be dependent on no one.”Laziness is never encouraged, but neither is frantic self-reliance. Instead, Scripture calls us to wise diligence rooted in God's faithfulness.Stewardship means recognizing that everything belongs to God. We are not owners but managers, entrusted with His resources to reflect His character.And His provision is never just for us. Paul writes in 2 Corinthians 9:10–11, “He who supplies seed to the sower… will supply and multiply your seed for sowing… You will be enriched in every way to be generous in every way.”God enriches us so that generosity might overflow through us—producing thanksgiving to Him.Living in the Beautiful In-BetweenSo how do we balance trust in God's provision with active participation?Pray before you plan—inviting God into your financial goals.Work with diligence, not fear—resting in His faithfulness, not your performance.Give generously—not because God needs your money, but because He invites you to reflect His heart.Rest confidently—knowing God is at work even when you sleep.At the end of the day, God delights in using ordinary people with ordinary means to display His extraordinary grace. He is the Provider, and we have the privilege of being His participants.Provision, then, is not just about a paycheck—it's about a partnership. Let's stop asking whether it's “all up to us” or “all up to God” and embrace the beautiful in-between: trusting Him, working faithfully, and joining Him in the joy of provision.On Today's Program, Rob Answers Listener Questions:My wife and I inherited a house from a family member in another state. We'd like to keep it available for friends, family, or church members to use, rather than renting it out. What do you think about that approach?My wife and I are in our early 80s. Years ago, we used our Roth IRAs to pay off our home, allowing us to live debt-free in retirement. We use our IRA for charitable giving, but with the rising cost of living, I'm wondering if a reverse mortgage could be a smart tool. What's your advice?If I already have a living will, will my assets still need to go through the probate process?I've had a long-term care policy since 2018 with $400,000 in coverage, but I was told there's a six-month waiting period before it pays out. That seems long to me. Should I consider canceling the policy?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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.

What if the greatest gift you leave your children isn't your money, but your wisdom?As stewards, we often focus on managing God's resources well during our lifetime—but what happens after we're gone? How do we equip the next generation to carry on a legacy of faithful stewardship? Today, Sharon Epps joins us to talk about that.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.Recognizing God's Design in Our ChildrenAt FaithFi, we frequently emphasize the importance of being faithful stewards of what God has entrusted to us. But there's a deeper question to consider: What about the next steward?Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children.” While an inheritance can be a blessing, without preparation, it can also lead to conflict. That's why we need to think carefully not just about passing on wealth, but also about passing on wisdom.One of the earliest ways to prepare the next steward is to recognize and nurture a child's God-given giftedness. God created us to work, and part of stewardship is discovering how He's uniquely wired us.Each child's journey is unique, and our role as parents is to walk alongside them, offer opportunities, and pray that God will reveal their strengths.Giving Hands-On Money Management OpportunitiesEvery parent knows how painful it is to watch their children make poor choices—especially when it comes to money. But it's so vital that we allow our kids to experience the natural consequences of their decisions.Wisdom grows when kids practice responsibility with real resources. That's why it's a good goal to aim for our children to manage a full spending plan before leaving home, whether that's for college or to move out on their own. Starting with a simple envelope system—give, save, and spend—you can gradually add more categories as the kids grow. By the time they become young adults, they will have managed nearly all of their expenses except housing and insurance. This hands-on approach will ensure that by the time they launch into independence, they will not be starting from scratch.Starting Late? Don't Lose HeartIf you feel behind in teaching your kids about stewardship, give yourself grace. None of us does this perfectly.Start with small steps—a dinner conversation about your own money journey, or letting your child help plan a family purchase. What matters is being intentional and inviting the Lord to guide the process.Preparing the next steward is not a one-time event—it's a journey. Begin with prayer, asking God for wisdom, and do not hesitate to seek help from trusted friends, mentors, or financial professionals.And remember: more is caught than taught. Our children are learning as much from how we live as from what we say. By modeling faithful stewardship in our own lives, we give them the greatest inheritance of all: a life that reflects God's wisdom and trust in His provision.If you're looking for support in preparing your children to be wise stewards, consider working with a Certified Kingdom Advisor (CKA)—someone who shares your values and can guide you on the journey. Visit FaithFi.com and click “Find a Professional” to get started.On Today's Program, Rob Answers Listener Questions:I left an employer five years ago and still have a pension with them. I also have an IRA. My wife and I are deciding whether to roll the pension into an IRA to earn more, or cash it out to pay off debt, such as our vehicles and student loans.I'm turning 62 soon, and my wife and I are both still working. We're debt-free except for our mortgage. Should I start taking Social Security benefits now to invest or pay down the mortgage, or is it wiser to wait?I have a single-family home with approximately $125,000 remaining on the mortgage and sufficient savings to pay it off, which would still leave me with $15,000 in the bank. Should I pay off the mortgage now, or keep the money in savings?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Feeling the post-summer financial fog? You're not alone—but now's the perfect time to reset.Summer is a season of rest, family, and fun—but it can also knock our financial habits off course. That's why fall is an ideal time to pause, reflect, and get back on track. Let's explore six small but meaningful steps that can help realign your finances with your goals—and your faith.Summer Spending Can Leave You Off BalanceSummer often brings looser schedules and, sometimes, looser spending. That's okay—we need time to rest. But if your finances feel off-center, it may be time for a reset.1. Review Your Summer SpendingBefore moving forward, look back. Did your summer spending reflect your values or just your impulses? Whether it was vacations, eating out, or spontaneous purchases, reviewing where your money went brings clarity. Think of it as an act of stewardship—learning from the past so you can plan better for the future.2. Revisit Your BudgetSeasons change—and so do financial rhythms. Back-to-school costs, higher grocery bills, or other expenses may have shifted your cash flow. Revisit your budget to ensure it reflects your priorities: generosity, saving, and wise spending.A helpful tool: The FaithFi app makes budgeting a daily reminder that every dollar belongs to God. It helps you plan and track your finances in alignment with your faith.3. Check for Missed PaymentsLife gets busy, and bills sometimes slip through the cracks. Go back and confirm you haven't missed any payments. Even one late bill can hurt your credit. Also, review your autopay accounts to ensure everything is running smoothly. A little attention here prevents bigger headaches later.4. Catch Up on Your GivingGenerosity sometimes takes a backseat in busy seasons. If that happened this summer, take time to prayerfully revisit your giving. Ask yourself: Has God blessed me in a way that calls for deeper generosity? Whether to your church, a ministry, or a neighbor in need, giving is more than duty—it's an expression of trust in God as your ultimate provider.5. Tackle That Financial To-DoWe all have one thing on our financial to-do list that gets pushed aside—reviewing insurance, starting a will, or scheduling a meeting with an advisor. Stewardship often looks like taking the next step, even if it's small or unglamorous.6. Look Ahead with WisdomFall is a season of preparation. Anticipate upcoming costs, such as school expenses, open enrollment, holiday shopping, or tax planning. Mark dates and set reminders now so you won't be scrambling later. Wise stewardship is proactive, not reactive.One Step at a TimeDon't feel pressure to fix everything in one day. Growth—financial and spiritual—comes through steady, faithful diligence. Proverbs 4:26 reminds us: “Give careful thought to the paths for your feet and be steadfast in all your ways.”Wherever you're starting from—catching up, starting over, or just resetting—God meets you there. He isn't after perfection; He's after your heart, and He promises to walk with you every step of the way.At FaithFi, we're committed to equipping Christians to integrate faith and financial decisions for the glory of God. If you believe in this mission, we'd love to invite you to become a monthly partner.A gift of $35 or more per month (or $400 per year) helps us continue this vital work. As a thank-you, you'll receive exclusive benefits, including our quarterly Faithful Steward magazine, Pro Access to the FaithFi app, and early access to our devotionals and studies.Learn more or become a partner today at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:Is life insurance really necessary? I've been paying about $100 a month for a few years, and I'm wondering if the benefit justifies the cost.My husband and I are dual citizens of the U.S. and Canada. We've farmed for 40 years without any retirement accounts or formal plans. We're debt-free, but we're unsure where to start with retirement planning, especially since our income and pensions come from both countries. Is there a kingdom-minded advisor familiar with agriculture and cross-border planning, or should we begin elsewhere?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Follow Everyday Prayers @MillionPrayingMomsA Prayer to Steward Their Gifts Isn't it amazing to remember that our children are God’s workmanship, created with unique gifts and talents for His glory? In today's episode, Tara Cole shares a story about her strawberry plants that needed care to bear good fruit. In that same way, our children need guidance and stewardship to channel their gifts well. Left untended, their talents may turn inward, but when nurtured, those same gifts can bless others and honor God. As parents, we are called to encourage, guide, and pray over the gifts God has placed in our children. Reference: Ephesians 2:10 Prayer: Lord, may our children know that they are your workmanship and discover the good works you have planned for them. In Jesus' name, amen. LINKS:Everyday Prayers for the School Year FREE download. Order the book, Everyday Prayers for the School Year Get today's devotion and prayer in written form to keep for future use! Support the ministry with your $5 monthly gift through Patreon. Discover more Christian podcasts at LifeAudio.com and inquire about advertising opportunities at LifeAudio.com/contact-us Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Gratitude is a natural response to God's goodness—but does it show up in the way we give?Many pastors wish their congregation knew that giving isn't just about meeting a church budget—it's a vital part of growing as a disciple of Jesus. Today, Leo Sabo joins us to unpack three things your pastor wishes you knew about giving.Leo Sabo is the President of the Christian Stewardship Network (CSN). He has spent the last 22 years working with couples, individuals, and church leaders, helping them understand and manage their finances according to biblical principles.Why Conversations About Giving MatterEffective conversations between church members and leadership aren't just about meeting financial goals. Because God owns everything and we are His stewards, money decisions are both practical and deeply spiritual. How we handle what God has entrusted to us reveals our hearts and our motives.1. The Spiritual Benefits of GivingPastors understand the connection between generosity and discipleship. Trusting God with our money is a significant part of our spiritual journey—and once we embrace that, giving becomes a joyful act of worship.Stewardship is holistic, involving our time, talents, and treasures. A love-inspired steward sees everything—not just what we give—as belonging to God. Pastors want you to know that giving isn't a “membership fee” to the church. It's an offering to God, through the church, out of gratitude and worship.2. Stewardship Is Part of DiscipleshipStewardship means responsibly managing the resources God has entrusted to us, including money. Many churches offer classes and programs to help members budget, save, avoid debt, and invest wisely—all grounded in biblical principles.Jesus spoke often about money and possessions because He knew our relationship with them reveals the condition of our hearts. Faithful stewardship naturally leads to generosity, reinforcing the spiritual benefits of giving.3. Transparency and Accountability Build TrustIn an era when people are increasingly concerned about financial transparency, pastors want to ensure that members understand that the responsible use of donations is a priority. Church leaders have both a responsibility and an opportunity to demonstrate accountability.When you give, you're funding ministry—teaching, worship, community support, and the staff who make it all possible. Every act of generosity fuels the church's mission to serve both its members and the surrounding community.If you'd like to learn more about starting or strengthening a stewardship ministry in your church, visit ChristianStewardshipNetwork.com.On Today's Program, Rob Answers Listener Questions:My 22-year-old son is graduating from college and starting his first job next year. What retirement planning advice should I give him—especially when it comes to private investments outside of his workplace retirement plan?I'm concerned that the housing market may be headed for a downturn similar to 2008. Here in Indiana, I see many new houses being built that most people can't afford, along with more foreclosures and repossessions. Why isn't anyone sounding the alarm? Am I overreacting, or do you see the same risks?I'm 61 with $300,000 in a Thrift Savings Plan (TSP) and about a year from retirement. Should I adjust my investments, move my money, or make any other changes as I approach retirement?My wife and I want to relocate from Florida to Colorado, where we already own a piece of land. We currently have two Florida homes with mortgages and have invested $80,000 in a Christian women's network. We'd like to speed up our move and build our Colorado home, but I'm unsure how to align our finances to make it happen. What's the best way forward?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Stewardship Network (CSN)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryer with Mark BillerWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“And he gathered up all the food of these seven years which occurred in the land of Egypt and put the food in the cities. He put in every city the food from the fields around it.” - Genesis 41:48Joseph's story isn't just dramatic—it's a powerful example of godly wisdom in uncertain times. His preparation during years of abundance helped an entire nation weather a famine. Today, Mark Biller joins us to explore what Joseph's legacy teaches us about planning ahead.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Learning from Joseph's ExampleJoseph's story in the book of Genesis is one of the most dramatic and inspiring accounts in all of Scripture. From his rise and fall—from favored son to slave, from prisoner to ruler of Egypt—Joseph's journey demonstrates God's providence at every turn. His famous words to his brothers in Genesis 50:20 capture the theme: “You intended to harm me, but God intended it for good.”But Joseph's story is also a powerful lesson in financial stewardship. His foresight during years of abundance prepared Egypt—and surrounding nations—to survive years of famine. This biblical principle remains as relevant today as it was thousands of years ago.In Genesis 41, Joseph interprets Pharaoh's dreams, warning that seven years of abundance will be followed by seven years of famine. Pharaoh puts Joseph in charge of preparations, and Joseph sets aside 20% of the harvest during the good years. This disciplined stewardship meant survival when crisis hit.Back in 2006, I wrote an editorial drawing on this lesson, warning that the “years of plenty” could give way to economic trouble. Just two years later, the 2008–2009 Global Financial Crisis proved the point. Many of the underlying issues from that period—such as excessive debt and systemic risk—remain unresolved to this day.The Challenges We Face NowWhile I don't have the same sense of foreboding I felt in 2006, there are signs of stress in the global financial system:Runaway Debt – U.S. debt has risen from $10 trillion in 2008 to over $36 trillion today.Bigger Banks – Post-crisis reforms led to further consolidation, making the largest banks even larger.Central Bank Intervention – Years of near-zero interest rates and quantitative easing have encouraged dependence on stimulus.Political Division – Our political climate makes tackling systemic issues even more challenging.Preparing Personally for the Next StormWe can't control national or global problems, but we can prepare at a personal level. If you are in a “year of plenty,” now is the time to:Pay down debt and reduce obligations.Build an emergency fund to weather personal or economic downturns.Diversify investments, including assets that hold value in inflationary times—such as gold, real estate, commodities, or even small allocations to Bitcoin.Live below your means so you can give generously when needs arise.Financial Preparedness as Spiritual OpportunityPreparedness isn't just about protecting yourself—it's about positioning yourself to help others. Crises, whether national or personal, can open hearts to the gospel. If our finances are in order, we can respond like Joseph—meeting physical needs and sharing the spiritual hope found in Christ.If you're in a season of famine right now, don't lose heart. Trust God as your ultimate provider, take small steps forward, and connect with your church or community for support. Seasons change, and preparation now can mean you'll be ready when the next opportunity to serve—or survive—comes.For more on this topic, read the full editorial Years of Plenty, Years of Famine Revisited at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I've owned a timeshare for years, but I think it's a bad investment. The maintenance fees are high, and I believe there are better vacation options. It will cost $2,000 to get out of it, but my wife likes it. How can I bring this up without hurting her feelings?In the Old Testament, tithing was clearly defined, but in the New Testament, Paul says giving should be something you decide in your heart. Some people tell me they give as they feel led—sometimes more, sometimes less. What are your thoughts on that approach to giving?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Years of Plenty, Years of Famine Revisited by Mark Biller (Sound Mind Investing Article)Sound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Faith over fame—one agent built her business on authenticity, service, and surrender AND YOU CAN TOO!In this episode of The Faithful Agent podcast, Garrett Maroon sits down with Linda Bayliss-Spence, a real estate agent whose story is rooted in faith, generosity, and genuine connection. Linda shares her personal and professional journey, revealing how staying true to her values—rather than chasing trends or comparison—led to meaningful impact in her business and community. From creative marketing to divine appointments, Linda highlights the power of authenticity and reminds agents that faithfulness, not fame, is the real win.Takeaways1. Treat every client the same, regardless of home price—people matter more than numbers.2. Serve others without expecting anything in return.3. Use creative marketing to authentically connect with your community.4. View clients as divine appointments and trust God to open doors.5. Give back generously to ministries and those in need.6. Embrace your unique gifts and resist the temptation to compare.7. Let your faith shape how you serve, market, and build relationships.8. Steward your time, money, and influence with kingdom purpose.9. Stay grounded—worldly success fades, but salvation is eternal.Connect with Linda:For the last 2 years, Linda has proudly served Virginia's Eastern Shore as a Realtor for Weichert Realtors, Mason-Davis. In 2024, Linda was awarded Rookie of the Year for Weichert's South East Division and the Ambassador Award for sales as well. In addition to real estate, Linda serves in outreach at her church and has been the Executive Director of the eastern shore's pregnancy resource center since 2001. Facebook: https://www.facebook.com/linda.baylis.spence/Chapters00:00 – Introduction to Linda's Journey01:54 – Linda's Business Growth and Philosophy04:50 – Authenticity in Real Estate08:20 – Community Engagement and Creative Marketing16:20 – Faith and Business Integration20:12 – Giving Back and Supporting Ministries26:20 – Encouragement for New Agents⭐️ Rate & Review:If this episode challenged or encouraged you, leave a 5-star review and share it with another Christian agent who needs to hear this message. Resources & Opportunities:

When you think about making a Kingdom impact, your checking or savings account probably isn't the first thing that comes to mind. But what if it should be?Most of us view our bank account as a simple holding place for our money—a safe spot until we're ready to spend, give, or invest. However, the truth is that your money is never truly at rest. Banks utilize those deposits daily to fund loans, support business ventures, and invest in various projects. That's standard practice. But here's the exciting part: you can actually choose a banking institution that uses your money to support Kingdom work.Let's unpack how your everyday banking decisions could be part of something far bigger than you imagined.Banking That Builds the KingdomWhen you bank with a faith-based financial institution—one that's intentionally aligned with biblical stewardship—you allow your money to participate in Kingdom work, even when you're not actively spending or giving. Your checking account. Your savings. Even your emergency fund. All of it can be part of something bigger.Imagine this:A pastor receives a home loan.A new Christian school opens in an underserved community.A clean water project is funded overseas.And all of it is quietly supported by everyday people like you, simply choosing to bank where their values are reflected.That's the vision behind Christian Community Credit Union (CCCU)—a trusted partner of Faith & Finance. CCCU offers all the modern banking tools you'd expect: online access, mobile apps, competitive rates, and more. But their mission is different. It's rooted in biblical stewardship.When you open an account with CCCU, your deposits don't just sit—they serve. Since its founding, CCCU has helped fund:Church construction and renovationsMinistry and mission expansionsAffordable housing and clean water projectsLoans for pastors, missionaries, and Christian organizationsAnd they've donated more than $6.5 million to Kingdom causes around the world.Small Deposits, Big ImpactYou might be thinking, “That's great—but I don't have a lot in savings. Would it really make a difference?”Absolutely. In God's Kingdom, impact isn't measured by dollar amounts—it's measured by faithfulness.Remember the boy in John 6 who brought five loaves and two fish? It seemed small. But in the hands of Jesus, it fed more than 5,000. The same principle applies here: when you offer what you have—however modest—it becomes part of something miraculous. Banking with CCCU is a way to say, “Lord, use even this for your glory.”At Faith & Finance, we frequently discuss how we earn, give, and spend. But there's a space in between—where your money simply rests. And even that space matters.Because while your money is sitting, it's still doing something. The question is: what is it doing? Is it funding what you believe in—or what you don't? Aligning your bank account with your faith is a practical, quiet form of stewardship. It doesn't require financial expertise—just a desire to honor God in every area of your life.Ready to Take the Next Step?If you're looking for a simple yet meaningful way to bring your money into greater alignment with your faith, Christian Community Credit Union (CCCU) is a great place to start.They offer:Full-service bankingCompetitive productsA clear commitment to biblical valuesReal-world impact for the gospelTo learn more or open an account, visit: FaithFi.com/Banking. Your everyday banking can be more than routine. It can be redemptive.On Today's Program, Rob Answers Listener Questions:I'm retiring next year and want to know if I can still contribute to a Roth IRA, what income limits apply, and what taxes I'll owe when I start making withdrawals.I have significant credit card debt and want to know if debt relief programs align with biblical principles. Is there a way to get help paying off my debt without being unethical?I'm on disability and keep tapping my emergency fund for unexpected expenses. How can I actually build savings when something seems to come up every month?I have $4,000 in a Discover Bank savings account earning 3.5% interest. Should I move it to my Vanguard account? Also, what's the purpose of the settlement fund in Vanguard that doesn't seem to be doing anything?I receive my late husband's Social Security survivor benefits, and next year I'll begin receiving his pension. Will the pension reduce my Social Security benefit?I recently refinanced my home and paid off my credit cards. Is it better to make my mortgage payment once a month or split it into two payments each month?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Like good stewards, we use the resources entrusted to us by God with all the wisdom we possess. (Lectionary #420) August 19, 2025 - Cathedral Rectory - Superior, WI Fr. Andrew Ricci - www.studyprayserve.com  

Have you ever noticed how some people light up when they give, while others treat it like just another transaction?Maybe the difference isn't in the amount they give—but in how God designed them to give. What if discovering your God-given giving style is the key to finding joy in generosity? Today, Chris Gabriel joins us to unpack the idea of W.I.S.E. Generosity.Chris Gabriel is a philanthropic leader and financial advisor with over 30 years of experience. A Yale and Oxford graduate, he created the WISEgenerosity framework to help individuals and institutions give well. Chris leads a thriving wealth management practice and is the author of WISEgenerosity: A Guide for Purposeful and Practical Living and Giving.From Inspiration to ApplicationGenerosity isn't just about giving money—it's about connecting your giving to your God-given identity and calling. Generosity is an essential virtue of a life well lived. It's also perhaps the aspect of God's nature that's closest to our own. We're made in His image, and that means we're made to give.While many Christians feel a tug toward generosity, few know how to give in a way that aligns with their values, financial situation, or spiritual identity.God plants seeds in our hearts, but we also have a responsibility to be wise stewards of our resources. WISEgenerosity is designed to help people take those seeds and apply them intentionally based on their unique circumstances.The W.I.S.E. FrameworkThe heart of the book is captured in the acronym W.I.S.E., which stands for:Well-Grounded – Giving that is both spiritually rooted and practically planned. It's based on God's truth, but also on the real resources and capabilities you have.Inspired – This is where giving intersects with personal identity. We each have a unique calling from God, and when our giving aligns with that, it becomes deeply meaningful.Satisfying – Generosity brings joy when it flows from being grounded and inspired. The blessings are bountiful, not just for others, but for the giver.Effective – This is about wise stewardship—giving in a way that meets real needs and aligns with God's purposes in the world.Discovering Your Personal Giving Identity (PGI)One of the most powerful tools is the Personal Giving Identity (PGI). Much like a personality test, the PGI helps individuals uncover their unique generosity “type” and how it connects to biblical truths.There are four generosity personalities:Focused Givers – Like Joseph, they're results-driven and strategic.Expressive Givers – Like David, they're creative and people-oriented.Considerate Givers – Like Ruth, they're relational and emotionally attuned.Disciplined Givers – Like Daniel, they're measured, analytical, and intentional.Each of these biblical characters reflects traits we see in modern givers. When we understand our PGI, we can give in a way that's aligned, impactful, and joyful.The PGI tool doesn't stop with individuals. Couples can benefit from it too. The spousal comparison tool helps partners understand each other's giving styles and how to complement one another in shared generosity.God brings couples together to align their capabilities and calling. Understanding how we each approach giving can deepen unity and effectiveness in our marriages.Strategic and Systematic GivingWhile spontaneous giving is beautiful, we also should embrace strategic and systematic generosity.Just like with other areas of life, awareness and planning elevate our impact. Some givers are driven by their hearts, while others are more analytical. Both are needed—but what matters is that we give with intention and trust.Coming this fall is Advance, a new toolkit designed for churches, ministries, and financial advisors to help others walk through the WISEgenerosity framework in community.Whether you're an individual, a couple, a ministry leader, or a financial professional, this resource will provide practical tools, spiritual insight, and relational wisdom to guide your giving.Ready to Take the Next Step?If you're ready to explore your personal giving identity or learn how to make your generosity more purposeful, visit WiseGenerosity.com. You'll find:A free PGI assessmentBible study toolsTeaching resources for churches and ministriesInformation on Chris's book and upcoming toolkitsIn a culture that often views giving as transactional or occasional, WISEgenerosity reminds us that giving is a deeply spiritual act—one that reflects the heart of God, shapes our identity, and brings lasting joy.On Today's Program, Rob Answers Listener Questions:I'm the legal guardian for my 97-year-old father. I recently sold his property and now need to complete a Medicaid spend-down. Where should I direct his remaining funds?I've been studying the Bible for over a year and now have a better understanding of tithing. I want to make sure I'm doing it biblically—who should receive my tithe according to Scripture?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)WISEgenerosityWISEgenerosity: A Guide for Purposeful and Practical Living and Giving by Chris GabrielWISEgenerosity Personality Types QuizWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Have you ever felt a quiet sense of pride after giving, like you were just a little more faithful than others?It's a subtle temptation, but one we must take seriously. When our giving becomes a way to elevate ourselves rather than glorify God, we've missed the heart of generosity—and possibly much more.When Giving Becomes About UsSelf-righteous giving hides behind good behavior. It's giving to feel morally superior. Giving to prove we're spiritually ahead. Giving to show God—or others—that we've “got it right.”Jesus addressed this in Luke 18:“Two men went up to the temple to pray, one a Pharisee and the other a tax collector… The Pharisee… prayed: ‘God, I thank you that I am not like other people… I fast twice a week and give a tenth of all I get.' But the tax collector… said, ‘God, have mercy on me, a sinner.' I tell you that this man, rather than the other, went home justified before God.”The tithing, fasting Pharisee was not justified—not because his actions were wrong, but because he trusted in himself.The Heart CheckReligious acts, even impressive ones, can't save us. When we give to make ourselves look good, we risk trusting in our performance rather than Christ's finished work.There's nothing wrong with joy in giving—God loves a cheerful giver. But when joy turns to superiority, we've crossed the line. As Deuteronomy 8 reminds us:“Remember the Lord your God, for it is he who gives you the ability to produce wealth…”Everything we have—even the ability to give—comes from Him.Giving That Glorifies GodJesus warns in Matthew 6 not to give for the sake of being noticed. True generosity is humble, often quiet, and motivated by gratitude. It's giving that reflects Christ, not ourselves.John the Baptist put it best: “He must increase, but I must decrease.”So, if you notice pride in your giving:Confess it to the Lord. His grace cleanses and corrects.Refocus on gratitude. Remember how much you've been forgiven.Practice hidden generosity. Give anonymously or where no one will notice.Before each gift, pray: “Lord, may this reflect You, not me.” Because generosity is never about proving ourselves—it's about responding to the One who gave everything for us.On Today's Program, Rob Answers Listener Questions:I'm 52 and currently have about 71% of my 401(k) invested in company stock, which has been generating returns of 30–36%. When and how should I begin diversifying to protect my retirement savings while still benefiting from my company's potential growth?My husband (62) and I (58) are debating whether to start collecting Social Security now. We still run our own business and earn an income, but I'm concerned about how starting Social Security could affect our Medicare coverage. What's the best strategy for our situation?I own and rent out a three-unit apartment building and want to know if there are any advantages to placing the property in an LLC.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.