Podcasts about Steward

We check the markets often—but how often do we check our hearts? Most of us approach investing with calculators, not character. Yet Scripture calls us to a deeper way. What if investing isn't just a financial activity but a spiritual practice—one that shapes who we're becoming?Tim McCready, Head of Global Advisory at BrightLight (part of the Eversource Wealth Advisors team), has been helping both Kingdom Advisors and FaithFi develop a theological framework for investing that aligns our portfolios—and our hearts—with God's purposes. His recent work explores how timeless spiritual disciplines can transform how believers think about investing.Why Investing Requires a Spiritual LensTim begins with Jesus' words in Matthew 6: “Where your treasure is, there your heart will be also.” That's not just a warning—it's an insight into spiritual formation.“Our investment decisions aren't just a reflection of faithfulness,” Tim says. “They're shaping who we're becoming as we seek to be like Jesus.”When we invite God into our investment decisions, investing becomes more than strategy—it becomes worship. It becomes one more place where we ask God to form us into faithful stewards.The Ignatian Prayer of Examen—For InvestorsOne of the most compelling ideas Tim introduces is applying the historic Ignatian prayer of examen to our portfolios.For centuries, believers have ended their day with this reflective practice—examining God's presence, confessing sin, noticing grace, and preparing for tomorrow.Tim suggests: What if investors practiced something similar?Rather than viewing portfolios strictly through analysis or performance, the examen helps us approach them with discernment, surrender, and spiritual attentiveness.Step One: GratitudeGratitude quiets the noise and recenters us on God's generosity. Before looking at performance or market movements, Tim encourages investors to pause and thank God for His provision.It might sound something like:“Heavenly Father, thank You for the gifts You've entrusted to me—including my investment portfolio. Speak to me about my stewardship, challenge me, and remind me of Your faithfulness as I draw near to You.”Gratitude reframes everything. It reminds us that portfolios are gifts to steward—not trophies to admire nor securities to cling to.Step Two: ReviewJust as the daily examen invites believers to review their day, the investing examen invites us to review each line of our portfolio with prayerful reflection.This simple discipline lifts our eyes beyond numbers to the impact our investments have on people, communities, and the world.As Tim notes, “We may find both joy and conviction—joy where God is pleased, and invitation where He's calling us to change.”Step Three: Repentance and RenewalThis is where the examen moves from reflection to transformation.Perhaps we discover that we've placed too much security in our portfolio. Perhaps a certain investment feels misaligned with God's desires. Perhaps God prompts us toward greater generosity.Repentance helps us acknowledge these areas honestly—and renewal invites us to receive God's forgiveness and step forward in faith.A simple prayer might be:“Gracious Provider, rule over every part of my life, including my investments. Forgive me for trusting wealth over You. Give me courage to act where You lead, and joy in following Your plan for my life.”This step reorients our trust away from the market and back toward the One who “owns the cattle on a thousand hills.” (Psalm 50:10)Step Four: Community and AccountabilityThough investing can feel private, it was never meant to be isolated.We grow best in community. Sharing a budget or portfolio with a trusted friend or mentor is humbling—but powerful. Accountability exposes blind spots, clarifies values, and encourages faithfulness.Whether through a small group, a stewardship class, or a community like the FaithFi app, transparency invites God's wisdom through God's people.Step Five: Fasting from Market NoiseWe live in an era of constant market updates, by the day, hour, and minute. Tim points out that this flood of data gives the illusion of control while feeding anxiety.A spiritual practice of “fasting” from market noise—checking less often, turning off notifications, stepping back from constant updates—helps us rest in God's provision instead of reacting to every market swing.Jesus' question echoes here: “Who of you by worrying can add a single hour to his life?” (Matthew 6:27) Or, as Tim puts it, “add a single cent to your portfolio?”Step Six: ServiceSpiritually formed investors naturally turn outward. Financial experience is a gift meant to serve others—whether through mentoring, teaching budgeting, serving on a church finance committee, or helping younger believers develop healthy habits.Service transforms stewardship from something we manage to something we multiply.A Holistic Vision of Faithful InvestingWhen we bring together gratitude, review, repentance, community, fasting, and service, we begin to see investing not as a sterile financial exercise but as a rhythm of worship.“Investing is faithfulness,” Tim reminds us. “It forms us. It shapes us as disciples. A biblical approach to investing isn't measured only by returns, but by spiritual formation.”In other words, investing becomes a way to follow Jesus. A biblical worldview of investing doesn't start with performance—it begins with the heart. When we invite God into our investing, He uses even financial decisions to form us into the likeness of Christ.May our portfolios—and our hearts—reflect the One who has entrusted everything to us.On Today's Program, Rob Answers Listener Questions:I worked hard to raise my credit score to about 730, but a miscommunication with my student loan led to a late payment and brought it down to 548. The issue is fixed, and the account is current, but my score is still low. How long will it take to recover if I keep making on-time payments?Resources Mentioned:Faithful Steward: FaithFi's 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textRecorded from the PHCC CONNECT show in Grand Rapids, Mich., Tim and John talk with Aaron Kilburg, Midwest Commercial Sales Manager at NIBCO, Eric and Aviva Maxon, President and Apprentice (at the time of recording) of Steward's Plumbing, Albuquerque, NM, and Jeff and Janice Voss, President & Secretary at Jeff's Plumbing & Repair, Inc., Boone, N.C., about industry stuff.Subscribe to the Appetite for Construction podcast at any of your favorite streaming channels and don't forget about the other ways to interact with the Mechanical Hub Team! Follow Plumbing Perspective IG @plumbing_perspective Follow Mechanical Hub IG @mechanicalhub Sign up for our newsletter at www.mechanical-hub.com/enewsletter Visit our websites at www.mechanical-hub.com and www.plumbingperspective.com Send John and Tim your feedback or topic ideas: @plumbing_perspective

Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn't a badge of honor. It's a warning light. When life feels out of balance, it may be a sign we're pushing beyond the limits God lovingly designed for our good.Today, we sat down with Carey Nieuwhof—pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor, leadership expert, and host of the Carey Nieuwhof Leadership Podcast, as well as the founding pastor of Connexus Church—to talk about how Christians can pursue biblical rest and renewed purpose. Carey's insights come not from theory, but from the deepest valley of personal experience.When Success Masks ExhaustionCarey's story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing.After returning from a high-profile speaking event, Carey hit a wall:“It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.”People around him saw the signs. He didn't. And that's often the story behind burnout—others notice the warning lights long before we do.Carey describes burnout as “the gap between what you're capable of and what you're carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation.Yet today, two decades later, he leads a much larger platform with far more influence—without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus.Managing Energy, Not Just TimeMany Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls.Every person has what Carey calls a “green zone”—a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it's morning. For others, it might be midday or evening.His challenge is simple: Do what you're best at when you're at your best.When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners.Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness.Carey explains:Saying yes to every request eventually forces you to say no to the people who matter most.Delegation is a spiritual discipline.Some opportunities, even good ones, don't align with God's call in a particular season.By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years.Rest Is Not a Reward—It's DesignFor many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling.Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court.Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness.For Carey, the principles of rest and margin extend well beyond the calendar.A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish.Margin creates room to love well, give freely, and listen to God's direction.Living at Your BestCarey's journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design.He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey's whole story—and the principles he teaches in his book At Your Best—offer a roadmap for anyone seeking balance, health, and spiritual renewal.For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast. And if you're an advisor, he'll be joining us at Redeeming Money, our conference for financial professionals, in February.May you learn to live—not at your limit—but at your best, in the freedom and rest God provides.On Today's Program, Rob Answers Listener Questions:Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I'll be mostly debt-free, and since longevity doesn't run in my family, I'm wondering if it makes sense to claim early while my quality of life is higher and still work within the income limits.When should someone update their will? I'm 58, debt-free, still working, and have a solid 401(k). Should I consider setting up a trust, and how do I know when that becomes the wise choice, especially since it costs more?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor by Carey NieuwhofDidn't See It Coming: Overcoming the Seven Greatest Challenges That No One Expects and Everyone Experiences by Carey NieuwhofThe Carey Nieuwhof Leadership PodcastRedeeming Money 2026: A Kingdom Advisors ConferenceWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today is day 337 and we are studying The Eighth Commandment. 337. As God's steward, how are you commanded to use your possessions? As I am able, I should earn my own living, care for my dependents, and give to the poor. I should use all my possessions to the glory of God and the good of creation. (Deuteronomy 15:11; Psalm 41:1; Proverbs 30:8–9; Isaiah 58:6–7; Matthew 25:14–30; Luke 14:13; Ephesians 4:28; 2 Thessalonians 3:6–12; 1 Timothy 6:17–19) We will conclude today by praying The Sadhe Stanza of Psalm 119 which is verses 137-144 found on page 437 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

Episode 91 and I'm joined by Josh. Josh has packed plenty into both service and civvy life. He enlisted in 2009, smashed out IETs as a Steward at HMAS Cerberus, posted to 5RAR, then back to Cerberus to play footy and re-trade as a Cook before heading to 7CSSB.He discharged in 2015, but kicked off his own business within 3 months and has been very successful in the PT and the sports science field! In 2021 he launched Weight of War, raising $52k+ across four events and already on track to add another $16k in 2025, pushing the total close to $70,000 raised for a bloody good cause.https://www.weightofwarrun.com/weight-of-warFind us on Instagram and Facebook. @5withadiggerpodcastThis podcast proudly sponsored by @Gravelempireholdings @Cuzkell_pty_ltd @Eliteboxingclubadl @MinorityInfluencesClothingUse "5WITHADIGGER" at checkout for 15% off on Savvy Touch Products.Merch available at www.crewapparelprint.com.auLike. Subscribe. Tell your mates.YOU'RE NEVER ALONE! Hosted on Acast. See acast.com/privacy for more information.

Giving Tuesday has become a global moment to celebrate generosity. But for believers, it can be much more than a once-a-year opportunity to give. It can become a catalyst to cultivate a lifestyle of intentional, joy-filled stewardship all year long.Today, we explore how to give with both heart and wisdom—so that our generosity reflects God's purposes, not merely the moment. Joining the conversation is Al Mueller, founder and CEO of Excellence in Giving and former executive with Morgan Stanley and UBS.Beyond the Moment: What Giving Tuesday Really RepresentsFor Al Mueller, Giving Tuesday is more than a charitable trend—it's an invitation.“Giving Tuesday is a great opportunity to begin acting on generosity,” he says, “but it's also a moment to pause and align with God's purposes.” Al reminds us of Paul's words in 2 Corinthians 9:7: “Each one must give as he has decided in his heart… for God loves a cheerful giver.”In other words, generosity is more than an impulse. It is an act of worship. Giving Tuesday can be a spark, but intentional stewardship is the flame that keeps burning throughout the year.Al summarizes biblical giving with a simple idea: “God gave us both a head and a heart—He didn't say pick one.”Wise stewardship holds both together:The heart expresses compassion, joy, and worship.The head evaluates impact, effectiveness, and alignment with God's purposes.Stewardship looks at the Kingdom outcomes we long to see and asks how we can best contribute to them. Some giving is planned, some spontaneous—but all of it can be intentional.Helping Donors Give With ExcellenceAt Excellence in Giving, Al and his team equip high-capacity givers—often those giving $1 million or more annually—to make well-informed, impactful decisions. They offer research, due diligence, and accountability that help donors shift from reactive to proactive giving.But these principles, Al emphasizes, are not reserved for the ultra-wealthy.“Everyone can do their own homework,” he says. “Everyone can ask good questions. Everyone can give intentionally.”Whether you're giving $50 or $50,000, evaluating ministries wisely matters. Al recommends starting with three core questions:What problem is the ministry trying to solve?What do they believe is the root cause of that problem?What measurable results have they seen?Healthy ministries provide clear reporting, measurable outcomes, and transparent leadership. They welcome questions and view accountability as part of discipleship.Key indicators to review include:Leadership stabilityDonor and staff retentionClear communicationTransparent financial practicesEvidence of life changeStrong ministries don't hide their results—they celebrate them.Red Flags: When to Think TwiceJust as there are markers of strong ministries, there are warning signs that should prompt caution:Vague vision without a clear planEmotional pressure or over-spiritualizing resultsLack of reporting or unwillingness to share outcomesOver-dependence on a single donorRepeated urgent appeals for fundsAl calls vague visions “ministry hallucinations”—dreams without blueprints. Just as you wouldn't build a house without plans, you shouldn't fund ministry without clarity.A Growing Trend: Collaborative GivingOne of the most exciting developments in philanthropy today is collaborative giving—donors pooling resources to make a larger, more strategic impact.Pooling resources:Helps ministries secure larger grantsReduces duplicationSaves ministries' valuable timeStrengthens unity within the body of Christ“This model lets donors and ministries accomplish something bigger together,” Al explains.No donor wants to micromanage, and no ministry seeks to be controlled. But accountability doesn't mean control—it means clarity.Al puts it this way: “Accountability is information given, not control taken.”Trust grows when ministries offer clear plans, measurable results, and honest reporting—what Al calls “a form of blessing” to donors.The Next Generation of GiversYounger donors give differently than their parents do. They are:More global in perspectiveMore results-orientedMore experiential—they want site visits and direct engagementMotivated by conviction rather than obligationPassionate about transparency and impactAl believes this next generation will reshape Christian generosity—mainly as significant wealth transfers occur in the coming decades.Al concludes with a powerful insight: there is a meaningful difference between being generous and being a steward.In the first century, a steward managed the household, finances, and fields on behalf of the master. The steward's job was simple: to know the heart of the master and act accordingly.Stewardship today means:Recognizing God owns it allSeeking His desires for His resourcesGiving with discernmentAiming to hear, “Well done, good and faithful servant.”Generosity is beautiful—but stewardship is a calling.Growing in Intentional GenerosityWhether you're giving on Giving Tuesday or cultivating lifelong generosity, the call is the same: give with joy, wisdom, and purpose.If you want to explore tools to help you give more strategically, you can learn more at ExcellenceInGiving.com. And if you'd like to partner with the mission of FaithFi, visit FaithFi.com/Partner to join us in helping believers integrate faith and financial decisions for the glory of God.On Today's Program, Rob Answers Listener Questions:What are your thoughts on annuities for someone approaching age 70?My wife and I are senior citizens and now have custody of our 10-year-old granddaughter—her father passed away, and her mother isn't involved. We want guidance on setting up a trust for her future. What's the best way to approach this?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Excellence in GivingWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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“We love because He first loved us.” — 1 John 4:19Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don't start by giving—we start by receiving.In this spirit, Sharon Epps, President of Kingdom Advisors, joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like.Women Who Supported JesusLuke 8 opens with a glimpse into Jesus' ministry on the move:“Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod's household manager, and Susanna, and many others, who provided for them out of their means.”  — Luke 8:1–3These women formed part of Jesus' traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources.Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod's household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation.Receiving Always Comes Before GivingBefore Joanna gave to Jesus, she received from Jesus.Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus' ministry. It reminds us that money alone can't solve the deepest problems of the heart. We all begin our stewardship journey by receiving.At the most basic level, every good thing in our lives is a gift from God:The breath in our lungsThe abilities we developThe resources we holdThe love we experienceAs Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing.Giving, then, is designed to be a response—a natural overflow of gratitude.Joanna's Love for JesusJoanna's story doesn't end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus' words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles.Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life.Generosity as a JourneySharon suggests that generosity is never a one-time event—it's a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love.To make this practical, Sharon shared three questions she's been asking herself—questions all of us can ask:1. What do I need to recognize as a gift from Christ before I can give generously?Do I see what's in my hands as mine—or as His?2. Is my giving safe or sacrificial?Does my generosity reflect comfort… or love?3. What does my current giving say about how well I've received?Giving reveals the condition of the heart.These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving.Becoming Conduits of Christ's LoveJoanna's life encourages us to see generosity not as a duty but as a joyful response to God's grace. As Sharon put it, her prayer—and ours—is to “receive so well that we become conduits of Christ's love through generosity.”May we, like these remarkable women, offer our resources, time, and lives with open hands—recognizing that every gift we give begins with the gift we've already received in Christ.On Today's Program, Rob Answers Listener Questions:I'm considering taking 72(t) withdrawals from my 401(k) in a couple of years as I retire and begin consulting. Should I plan on withdrawing around 5% annually, and if so, should I keep the money invested in stocks to aim for the usual 9–11% returns?My husband and I need about $8,000 and are debating whether to pull it from my 403(b), use benefits from his part-time retirement job, or tap a small annuity worth $3,000–$4,000. We want to pay off some credit cards and finish a car loan with three months left. What's the best source to use?We inherited enough money to either pay off our mortgage or cover about three-quarters of our daughter's student loan. The amounts are similar, and our mortgage is mostly principal now. I'm 61. Which payoff makes the most sense?I started my Social Security retirement benefits at age 70 this June. My younger husband reaches full retirement age next July. Can he take a spousal benefit equal to half of mine until he reaches FRA and then switch to his own higher benefit?I'm getting remarried, but my fiancée would lose nearly $1,500 in Social Security benefits she currently receives. Is there any way to avoid losing that benefit once we marry?Resources Mentioned:Faithful Steward: FaithFi's 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We go to work so we have money. We need money to pay our bills and to buy things. Where I spend my money matters to God, especially if I know that those companies are supporting things that are actually anti-God. We work with Inspire Investing to ensure our investments are biblically responsible. We chose a mobile carrier, Patriot Mobile, because they are pro-God, pro-family, and pro-country. We select our retailers, ensuring our dollars are not being spent to support the things we fight against every day. That may mean that sometimes we must go out of our way shopping. It also may mean that sometimes we just don't buy. Christ calls on us to be good stewards. Good stewards of our time. Good stewards of our work. And good stewards of our money. Steward it all well. 

Happy Thanksgiving! As you gather with family and friends today, we hope your hearts are filled with gratitude to God for His many blessings. While Thanksgiving is a treasured tradition for us, its roots stretch back more than 4 centuries. Who gathered at that first feast in 1621? Why were they there? And what exactly were they giving thanks for?Let's take a closer look at the remarkable story of the Pilgrims—one of enduring faith, sacrifice, and God's gracious provision.Who Were the Pilgrims?Most of us learned in grade school that the Plymouth Colony—located in present-day Massachusetts—was founded in 1620 by a group we know as the Pilgrims. These settlers, also called Separatists, longed to break away entirely from the Church of England, believing it had drifted from biblical teaching. Their commitment to worship according to Scripture set them on a courageous journey toward religious freedom.Nearby, the Puritans would establish the Massachusetts Bay Colony in 1630. While they shared many beliefs with the Pilgrims, their approach differed. The Puritans remained within the Church of England, seeking to reform it from within. Though their strategies diverged, the stories of these two groups are deeply intertwined in the early chapters of American history.The Pilgrims faced significant persecution in England for worshiping outside the established church. Holding fast to the Bible as their ultimate authority made them targets. In 1609, seeking refuge, they fled to Leiden, Holland. Yet even there, challenges persisted—some were arrested, and the freedom they sought still felt out of reach.Recognizing Europe would not offer the spiritual liberty they longed for, they made a bold and costly decision: to sail to the New World. About 120 men, women, and children boarded the Mayflower. While some passengers—known as “adventurers”—joined the voyage for economic opportunity, the Pilgrims' primary aim was clear: to worship freely and build a life rooted firmly in their faith.Hardship Upon ArrivalTheir journey across the Atlantic was long and brutal. Delays meant they arrived in November—not summer—leaving no time to plant crops. That first winter, remembered as “the starving time,” was devastating. Nearly half the group died from disease and lack of food.Still, in God's providence, the Pilgrims formed a gracious relationship with local Native Americans. A Native American named Squanto—who had learned English years earlier—became a critical ally. He taught them how to plant corn, where to fish, and how to survive in an unfamiliar land. His guidance helped bring the colony through that difficult first year.With Squanto's help, the Pilgrims planted crops in the spring of 1621 and harvested enough that fall to sustain their small community. To honor God for His provision, they invited their Native American neighbors to join them in a feast of thanksgiving.By that point, only 22 men, four married women, and 25 teenagers and children remained from the original group. Their guests nearly doubled the gathering, bringing food and friendship—resulting in what may have been America's first potluck meal. Together, they celebrated survival, provision, and the kindness of God expressed through unexpected relationships.A Legacy of FaithYears later, Plymouth's longtime governor, William Bradford, reflected on their experience in Of Plymouth Plantation, quoting Hebrews 11:13–16 to describe the Pilgrims' faith:“All these people were still living by faith when they died… They were looking for a country of their own… longing for a better country—a heavenly one. Therefore God is not ashamed to be called their God, for He has prepared a city for them.”For the Pilgrims, this passage captured the heart of their journey. They understood that their true home was not a piece of land or a colony—they belonged to God. Their courage, perseverance, and gratitude were expressions of that eternal hope.As we celebrate Thanksgiving today, may we remember this story of faith under pressure, resilience in hardship, and gratitude rooted in God's unwavering provision. The freedoms we enjoy—especially the freedom to worship—come through the sacrifices of those who came before us.From all of us at FaithFi, we wish you a warm, joyful, and grace-filled Thanksgiving. May your day be filled with gratitude for God's goodness and confidence in His faithful care.On Today's Program, Rob Answers Listener Questions:My question is about the so-called ‘Dollar 2.0' and the new S.1582 bill. How might this impact our currency? I'm retired and concerned about my savings.My dad recently passed away and left me and my siblings money in an IRA. We're being told we need to set up inherited IRAs to receive it. What exactly is an inherited IRA, and is that our only—or best—option?I run a construction company and also helped start a nonprofit. Can I legally pay myself a salary from the nonprofit? And can the nonprofit hire my construction company for its projects?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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.

Most of us think of generosity as a sacrifice—something that costs us. But what if giving is actually one of the wisest, most joy-producing ways to live? When we open our hands, God not only blesses others through us—He transforms us in the process.That idea lies at the heart of Chip Ingram's book The Genius of Generosity, and it's why we were grateful to welcome him to the program. Chip is the founder, teaching pastor, and CEO of Living on the Edge, a discipleship ministry helping believers live like Christians every day.A Story That Changes EverythingChip's understanding of generosity was forever shaped by a man named John—a seventy-year-old accountant who invited Chip, then a young pastor, to lunch one day. After the meal, John handed him a small white box. Inside was a checkbook labeled Pastor's Discretionary Fund.John said, “Chip, here's what I'd like you to do. Carry this checkbook with you every day. Anytime you see a need that Jesus wants to meet—or that you think I'd want to help with—write a check.”Chip was stunned. He barely knew how to manage his own finances, let alone someone else's. But John invited him back three times each year to review every check. And so Chip began paying attention to needs around him—fueling a single mom's car, providing groceries for a struggling family, restoring electricity for another.Over time, something unexpected happened:Chip handled John's money more carefully than his own.He found himself eager to spot needs.And a deep friendship formed between two men who had nothing in common except a commitment to generosity.Years later, Chip realized the deeper lesson: What John did for him is what God does for all of us. We manage resources that are not ours. We steward what belongs to the King.That realization became the seed for The Genius of Generosity.Why Generosity Is More Than a VirtueChip told me that generosity didn't just change his financial habits—it changed his life. He began seeing giving as an adventure. He describes generosity as a “gateway to intimacy with God,” a doorway into deeper trust and joy. The more he gave, the more he saw God show up.And interestingly, secular research agrees. Chip noted that even if the Bible didn't exist, studies consistently show:Generous people are happier.They enjoy stronger relationships.They live longer and experience greater satisfaction.Why? Because generosity is a creative, life-giving act. It aligns us with how God designed the world.Generosity Connects Us—to God and to OthersJesus taught that wherever our treasure goes, our hearts follow. So every act of giving is spiritual formation. It's discipleship.And generosity builds unexpected bonds with others. Chip shared the story of a homeless man he saw regularly at a bagel shop. For months, the man never responded to Chip's greetings. One morning, Chip quietly bought him a coffee and a bagel. Minutes later, the man spoke—opening up about his life, his experiences, even pointing out the rare appearance of Venus in the sky.A simple act of kindness became the doorway to relationship and transformation.These moments, Chip says, are all around us if we have “our antenna up and our eyes off our phone.”Chip also told a story of a moment when God prompted him to give a six-figure gift—an amount he didn't feel he had. The Lord reminded him, “Do you think I can't replenish what you give?” Over the years, Chip has seen God refill what he gives away again and again, sometimes miraculously.That's the adventure of generosity: you can't out-give God.What If You Feel Like You Have Little to Give?Chip's encouragement is simple: “Start small. It's your view of God that needs to change, not your circumstances.”You don't wait until you're wealthy or “more spiritual” to begin giving. You practice generosity today—right where you are—and watch God grow your heart.The Genius of GenerosityIn the end, generosity is not about losing. It's about gaining—freedom from fear, deeper trust in God, richer relationships, and greater joy.When we give, we reflect the heart of the ultimate Giver. We discover that everything we have belongs to God—and that He delights to pour His blessings through open hands.To learn more about Chip Ingram and The Genius of Generosity, visit LivingOnTheEdge.org.On Today's Program, Rob Answers Listener Questions:I already have a will, but a company that visited our church said I also need a trust—and they quoted me $3,000 to set everything up. Do I really need a trust? They said that without a trust, my kids could spend months or years in probate and might have to fight over things. That made me nervous—so now I'm wondering if I really do need one.I've heard you explain capital gains when someone buys a home, but how does it work if you build your home and only have a small HELOC? So if my house is worth about $400,000 and I sold it… How would that be calculated? I inherited the land through my divorce and built the home after Hurricane Laura.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Living on the EdgeThe Genius of Generosity: Generous Living Is Joyful Living by Chip IngramWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

One of the clearest signs that God has changed a person's heart is generosity. Scripture makes it plain: giving isn't merely an act—it's a reflection of God's own character. As believers, we give not because we have to, but because God has given richly to us.Today, we explore what the Bible says about generosity and highlight timeless wisdom from Christian voices throughout history. Their words still inspire us today to give joyfully, sacrificially, and with hearts shaped by the gospel.A Biblical Vision of GenerosityThe Bible paints a sweeping picture of generosity—one that reaches far beyond financial giving.Generosity Begins with CompassionJesus taught, “Whoever has two tunics is to share with him who has none, and whoever has food is to do likewise.” Generosity starts with seeing the needs right in front of us and responding with compassion, humility, and love.Giving Flows from the HeartThe apostle Paul reminds us that our gifts should reflect the posture of our hearts: “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Generosity isn't measured by the amount of money given, but by the joy, gratitude, and trust behind it.Generosity Reflects God's CharacterPsalm 112 connects generosity to righteousness itself. Giving is not just something Christians do—it becomes part of who we are when our lives are aligned with God's heart.Timeless Christian Wisdom on GivingThroughout the centuries, believers have wrestled with what it means to give faithfully. These quotes reflect deep biblical conviction and continue to encourage us today.C. S. Lewis“I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare.”Lewis reminds us that generosity stretches us—it costs something. Yet in that stretching, God grows us.John Wesley“Do all the good you can, by all the means you can…as long as ever you can.”Wesley captures the spirit of a life poured out for God: comprehensive, intentional, and relentless generosity.A. W. Tozer“Any temporal possession can be turned into everlasting wealth. Whatever is given to Christ is immediately touched with immortality.”Our giving invests in eternity, turning temporary resources into lasting treasure.Billy Graham“Tell me what you think about money, and I will tell you what you think about God… A man's heart is closer to his wallet than anything else.”Graham's words challenge us to consider how closely our financial decisions reveal our spiritual values.Evelyn Underhill“The spirit of adoration is the spirit of generosity, for worship is giving.”True generosity flows out of worship—a recognition that everything we have is a gift from God.Randy Alcorn“Giving affirms Christ's lordship. It dethrones me and exalts Him.”Giving reorders our priorities. It loosens our grip on earthly security and strengthens our trust in Christ.St. Augustine“Charity is a virtue which…unites us to God, for by it, we love Him.”For Augustine, generosity wasn't just an action—it was spiritual formation.Amy Carmichael“You can give without loving, but you cannot love without giving.”Our giving is evidence of Christ's love alive in us.St. Paula of Rome“The more we give to Christ, the more we possess Him.”Generosity deepens our fellowship with Christ, reminding us that He is our true treasure.Jesus ChristWhen sending His disciples, Jesus said: “Give as freely as you have received.” (Matthew 10:8)All Christian generosity begins here—in response to His grace.Giving as a Reflection of the GospelWhen we give, we echo the heart of the ultimate Giver. Jesus held nothing back—not even His own life. Generosity isn't defined by the size of the gift but by the surrender of the heart.Every act of giving becomes a small reflection of the love of Christ in us.At FaithFi, we're committed to helping you integrate your faith and finances in a way that reflects God's glory. That's why each issue of our Faithful Steward magazine is designed to encourage you to:Live wiselyGive generouslySee God as your ultimate treasureWhen you become a FaithFi Partner by December 31, you'll receive all four issues of Faithful Steward—plus our brand-new devotional, Our Ultimate Treasure, releasing early next year. Learn more at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:I'm in the process of redoing my will—this is actually the second attorney I've worked with—and I want to leave my house to my daughter, who's on SSDI. The attorneys I've spoken with both mention trusts, but they offer different opinions, which is confusing. What would you recommend? Also, I still owe about seven years on the mortgage at a 3.75% interest rate. Should I pay it off now or keep making payments?How should I advise my 19-year-old granddaughter on investing? Right now, she saves her cash in an envelope or in the bank, but I want to help her get started investing in a simple, conservative way. What's a good company or platform for her to begin with—something that doesn't require a lot of money to start?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Schwab Intelligent Portfolios | Betterment | StockpileWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How can we invest in eternal things? How can we use material riches here on earth so that God will reward us with spiritual riches in eternity? The answer will be revealed in today's episode of Wisdom from Above as we investigate The Parable of the Shrewd Steward in Luke 16:1-13.

As we continue in our series "ENGAGE,” Pastor Don explore the importance of generosity as a sacred act of worship, emphasizing that how we manage our resources reflects our spiritual priorities and commitment to God. We discuss biblical principles on stewardship, the call to contribute to the community, and the necessity of viewing our financial decisions with an eternal perspective.

We're so glad you are here! Thanks for checking out Sunday's message!-- SUNDAY'S NOTES --The heart of the matter is a matter of the heart. Search me, O God, and know my heart; test me and know my anxious thoughts. Point out anything in me that offends you, and lead me along the path of everlasting life. Psalm 139:23-24 NLTLevav / Heart: The center of character, will, and understanding. The place you think, feel, desire, and decide. Kardia: the inner self, thoughts, emotions, desires, and decisions. The control center of human life.(Read verses 7-8) The heart is deceitful above all things, and desperately sick; who can understand it? I the LORD search the heart and test the mind, to give every man according to his ways, according to the fruit of his deeds. Jeremiah 17:9-10 ESVWe cannot have a heart that is whole without the help and healing of the Lord. The LORD doesn't see things the way you see them. People judge by outward appearance, but the LORD looks at the heart. 1 Samuel 16:7 NLTHeart health doesn't come from either emotional limitation or liberation, but instead emotions surrendered to and sorted by Jesus. Then Christ will make his home in your hearts as you trust in him. Your roots will grow down into God's love and keep you strong. Ephesians 3:17 NLTSteward your heart by giving your heart to God! Thus says the LORD, he who created you, O Jacob, he who formed you, O Israel: “Fear not, for I have redeemed you; I have called you by name, you are mine. Isaiah 43:1 ESVIt is impossible to live a life meaning with the Lord without a heart that is whole and His.Don't you realize that your body is the temple of the Holy Spirit, who lives in you and was given to you by God? You do not belong to yourself, for God bought you with a high price. So you must honor God with your body. 1 Corinthians 6:19-20 NLTThe Lord is near to the brokenhearted and saves the crushed in spirit. Psalm 34:18 ESVGod can only guide and guard the heart He governs, and He will only govern the heart he owns. 2) Steward your Heart by Guarding your Heart! Guard your heart above all else, for it determines the course of your life. Proverbs 3:23 NLTGod doesn't just want your habits, He wants your heart! Daniel purposed in his heart that he would not defile himself with the portion of the king's delicacies. Daniel 1:8 NKJVDaniel lived in Babylon, but Babylon didn't live in Daniel. Can we live found in a world that's lost it's way or live free in a culture of captivity? - Yes!A guarded heart is anchored in Godly identity, not the worldly environment or culture.3) Steward your heart by choosing to have a heart for after God.Delight yourself in the Lord, and he will give you the desires of your heart. Psalm 37:4 ESVBlessed are the pure in heart, for they shall see God. Matthew 5:8 ESVFor where your treasure is, there your heart will be also. Matthew 6:21 ESV-------------------------------------------------Download the 828 Church app!To view our latest e-newsletter, the Midweek Momentum, and subscribe to our weekly updates, go here! https://linktr.ee/828church

In this message, Pastor Josh unpacks the story of the twelve spies in Numbers 13 and challenges us to stop measuring God's promises and start stepping into them. When fear rises and obstacles look like giants, God calls us to steward the moment with faith, courage, and anticipation. This is our moment—let's move when God speaks.

Good forest stewardship starts with a solid management plan. In this episode of Successful Farming Shorts, Earl Garber, past president of the National Association of Conservation Districts, explains how to assess your forest's condition, set long- and short-term goals, and develop a management plan that supports both income and conservation for generations to come. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Visit www.joniradio.org for more inspiration and encouragement! --------This Christmas, you can shine the light of Christ into places of darkness and pain with a purchase from the Joni and Friends Christmas catalog. You are sending hope and practical care to people with disabilities, all in the name of Jesus! Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

Autism consultant and author Robyn Steward discusses the state of being young and autistic, and how clear neutral guidance that helps tweens and teens with periods and relationships is crucial. Karen talks with Steward, herself autistic, about her insightful books.Robyn Steward - Autism author and consultant Karen Yates - certified sex educator, writer, energy workerBooks by Robyn StewardThe Autism-Friendly Guide to Periods The Independent Woman's Handbook for Super Safe Living on the Autistic Spectrum The Autism-Friendly Guide to Self-EmploymentSign up for our twice-monthly newsletter to get sex and relationship tips, and show announcements.Show your love for sex-positive podcasting: Leave a lil' tip!Check out our new line of tees and accessories! Be wild & sublime every day! Shipping discounts for orders over $50.Want more Wild & Sublime? Join The Afterglow for bonus content and Wild & Sublime goodies! They said what? Full episode transcripts are available on our websiteDo you feel stuck? Work with host Karen Yates in Zoom groups and one-on-one as she uses the energy of sound to reduce stress and help repattern behavior. Learn more about Biofield TuningSupport the showFollow Wild & Sublime on Instagram and Facebook!

In this episode of Wisdom's Table, I, Rachel Wortman, delve into the exciting yet often daunting journey of bringing God-sized ideas to life. We explore the moments when God drops a profound idea into our spirits. Ideas that feel expansive, electric, and capable of changing lives. However, the initial excitement can quickly turn into trepidation as we confront the reality of our limitations and the challenges of execution. I emphasize that while receiving a prophetic word or idea is relatively easy, the real challenge lies in the stewardship and leadership required to manifest that idea into reality. To help you navigate this process, I outline four wise steps to take when you receive a God-sized idea.     Not ready to say goodbye? Pick the link you're looking for and let's keep growing together! Get my insider emails designed for maximum growth Grab my latest book THE MONEY MANDATE Join my coaching community KLC     TIMESTAMPS: 00:00:00 - Welcome to Wisdom's Table Introduction to the podcast and today's topic on God-sized ideas. 00:01:00 - The Challenge of God-Sized Ideas Discussing the excitement and subsequent fear that comes with receiving a prophetic idea. 00:02:10 - The Process of Bringing Ideas to Life Introducing the importance of skill and leadership in executing prophetic assignments. 00:02:30 - Step 1: Find a Mentor The significance of mentorship in executing God-sized ideas and how to find the right mentor. 00:07:45 - Step 2: Stay Flexible and Refine Your Idea Emphasizing the need for flexibility and the refining process of ideas. 00:12:30 - Step 3: Small Steps Towards Monetization Discussing the challenges of monetizing a dream and the importance of taking small steps. 00:18:00 - Step 4: Keep Going Encouragement to persevere through challenges and delays in the fulfillment of prophetic words. 00:20:30 - Understanding the Process Clarifying that the prophetic word is a preview and the process is essential for growth. 00:22:30 - The Importance of Community Highlighting the value of not going through the journey alone and the role of community support. 00:24:00 - Closing Thoughts and Prayer Invitation Encouragement to take action on God-sized ideas and an invitation to join in prayer for those ideas.

Sharing her experience as a Catholic woman living in southern Ohio, special guest Sister Shannon joins Rev. Terry Williams for a discussion about bodies, belovedness, and boldly claiming a living faith. As a faithful Roman Catholic believer who has experienced dating, single motherhood, and now marriage, Sister Shannon reflects on the meaningfulness of being a pro-choice person of faith who trusts other people to make choices about their own bodies while expecting the same trust from them in return. Lifting up her lifegiving encounters with our partner organization Catholics for Choice, Sister Shannon discusses her journey with finding solidarity and wholeness among the majority of Roman Catholics who support reproductive freedom (no matter what the church's hierarchy has to say!) Links to discussed content: Sister Shannon on Instagram: instagram.com/sister.shannon Catholics for Choice: catholicsforchoice.org Roman Catholic Women Priests: https://romancatholicwomenpriests.org/ Background information about the Womenpriests Movement: https://progressive.org/latest/the-movement-to-excommunicate-misogyny-from-the-catholic-church-20250709/ The Autobiography of Malcolm X: penguinrandomhouse.com/books/106490/the-autobiography-of-malcolm-x-by-malcolm-x-as-told-to-alex-haley/ About Father Richard Rohr: https://cac.org/about/cac-faculty/cac-founder-richard-rohr/ Catholics for Choice resource "The Advocate's Bible": catholicsforchoice.org/advocatesbible Music by Korbin Jones

It's one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn't just about inheritance. It's about passing on faith, values, and a vision for generosity.To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF)—a trusted partner helping believers give wisely and joyfully.From Obligation to Joyful GenerosityChristin's passion for generosity began early, though not in the way it's shaped her life today.“As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn't until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.”That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out.What's Driving the Next Generation to GiveWhen it comes to generosity, Millennials and Gen Z are rewriting the playbook.According to NCF's research, millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.”Christin explains:“They believe all resources have equal value—not just money, but time, influence, and relationships. They don't just want to write a check. They want to be part of the change.”This shift from transactional to relational giving marks a profound change from previous generations.Reimagining Traditional ToolsYounger Christians aren't abandoning tools like donor-advised funds, estate plans, or investment portfolios—they're personalizing them.“They want to see impact,” Christin said. “They're asking, ‘How is my giving being used?' and ‘What difference is it making?'”They're also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones.At NCF, this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact.What Advisors Need to KnowFinancial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset.“Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It's not just about managing money—it's about helping them uncover all the ways God's entrusted them to give.”For advisors, that means focusing less on control and more on collaboration, connection, and calling.How Families Can Have Faith-Filled ConversationsGenerosity isn't just a financial transaction—it's a family story. Cristin encourages families to start there.“The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.”Listening to one another's experiences helps bridge differences and creates a shared vision for stewardship across generations.How NCF Is Helping the Next Generation Live GenerouslyAt the National Christian Foundation (NCF), this generational shift is sparking new ideas and tools for families and advisors alike.New Research & Resources: NCF has published a comprehensive Next Gen Generosity Report—designed to help both older and younger generations navigate these conversations.Experiences & Events: Through community gatherings and local partnerships, NCF helps families explore generosity together—often in creative, organic ways led by next-gen participants.Collaboration with Advisors and Churches: NCF connects givers to trusted partners who can guide them through every stage of stewardship—from first-time donors to business owners planning legacy gifts.You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch.The Power of AgencyOne key insight from NCF's research is the role of agency in healthy stewardship.“We define agency as the ability to act on the free will God gives us,” Cristin explained. “The more we step into that responsibility—making decisions, taking ownership—the more confident and joyful we become.”That means even those who inherit wealth should be encouraged to find their “Gen 1” opportunities—ways to take initiative, make decisions, and live out their calling to give.The Influence of Women in GenerosityAnother striking finding: women—especially mothers—play a major role in shaping generosity.“Seventy-two percent of millennials we surveyed said their mothers were the biggest influence on their giving,” Cristin shared.Yet, the research also revealed that many women feel unheard in family wealth decisions. The next step, Cristin says, is ensuring their voices are part of the conversation.“This is the time to incorporate women's perspectives in giving and wealth transfer. Their influence is profound—and essential.”Passing Faith Along With FinancesAs this great wealth transfer unfolds, Cristin reminds us that what we pass on matters more than what we possess.“It's not just about money moving between generations,” she said. “It's about passing along faith, values, and purpose.”And that's a legacy that truly lasts. Learn more about how you can make generosity part of your family's story at FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:Our home is fully paid off, and we're nearing retirement. I've heard you discuss reverse mortgages, but I have always been hesitant. What are the real benefits and drawbacks, especially regarding the accumulated interest? Also, what kind of closing costs or fees should we expect, and which company do you recommend?I'm approaching my required minimum distribution and recently learned about qualified charitable distributions (QCDs). Can I withdraw the money first and then donate it, or must it go directly to the charity to qualify?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF)NCF Next Gen Generosity ReportWomen, Wealth, and Faith Research Study (Sign up to Participate) - Partnership with Women Doing Well and the Lake Institute on Faith & GivingWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

While the role of a chief data officers (CDOs) was traditionally focused on regulatory compliance, it has now expanded to empowering the consistent and effective use of data across organizations to improve business outcomes. One of the most effective ways for CDOs to demonstrate their value is by developing a data strategy that is closely aligned with business goals, processes, and outcomes. In the latest episode of Tech Transformed, host Kevin Petrie, VP of Research at BARC, speaks with Brett Roscoe, Senior Vice President and GM of Cloud Data Governance and Cloud Ops at Informatica, about the evolving role of CDOs. Their conversation explores how CDOs are transitioning from data stewards to strategic leaders, the importance of data governance, and the challenges of managing unstructured data.The Role of the CDO in the Agentic EraAs Roscoe notes, “CDOs are now pivotal in AI strategy,” reflecting how the role has grown from compliance oversight to guiding enterprise initiatives that directly support organizational goals.In this day and age, CDOs are tasked with ensuring that data is both accessible and reliable, providing a foundation for informed decision-making across business units. This includes establishing policies for data quality, access, and governance, which Roscoe highlights as essential: “data governance is foundational for AI.” At the same time, unstructured data ranging from documents and emails to multimedia adds complexity that requires careful management to make it useful while minimizing risk. “Unstructured data presents challenges,” he adds, emphasizing the need for structured oversight to fully leverage these assets.AI StrategyAlthough technology and analytics are evolving rapidly, the CDO's role in aligning data with strategic initiatives is critical. By connecting data assets to business processes, CDOs help ensure that initiatives are informed by reliable, well-governed information and can deliver measurable results.For anyone looking to understand the evolving responsibilities of CDOs, the importance of governance, and strategies for handling unstructured data, this episode of Tech Transformed provides a detailed and practical discussion.For more insights, follow Informatica:X: @informaticaInstagram: @informaticacorpFacebook: https://www.facebook.com/InformaticaLLC/LinkedIn: https://www.linkedin.com/company/informatica/TakeawaysCDOs are now central to shaping AI strategies and driving business growth.Robust data governance is crucial for the successful deployment of AI technologies.Unstructured data presents unique challenges and opportunities for AI development.A balance between centralized governance and federated operations is essential.Securing executive...

After noticing that their 20 month old son Jacob was wobbling while walking and had fallen to the ground in February of 2024 , Jocelyn Espinoza and Samuel Steward, took their son first to a doctor in Tijuana Mexico, and shortly thereafter to Rady's Children's Hospital in San Diego where he was diagnosed with the Pediatric Brain Cancer ATRT. It has been over a year and a half since Jacob's diagnosis, and he is currently doing very well and living the life of a very active 3 1/2 year old boy. 

Have you ever wondered why your emotions feel louder when you're growing spiritually? Sometimes spiritual sensitivity increases not to overwhelm you — but to draw you closer to God. In today's episode, we're diving deep into spiritual sensitivity, discernment, and the discipline of paying attention to the presence of God. Last time (in Episode 67), we explored what it means to know you're chosen yet still feel unworthy. Today, we take that further. When you become more aware of God's holiness, your spiritual sensitivity often increases — emotionally, mentally, and even physically. Using 1 Kings 19:11–13, Hebrews 5:14, and Psalm 16:8, we unpack: Why God heightens your awareness as you grow in Him How sensitivity can serve your calling instead of overwhelming it How to let Scripture filter your emotions so your faith leads, not your feelings This episode will help you develop spiritual maturity, strengthen your discernment, and embrace sensitivity as a gift God uses to draw you closer. If you've ever wondered: “Lord… how do I manage what I feel so it doesn't distract me from what You've called me to do?” — this conversation is for you. If this episode encouraged you, subscribe, leave a review, and share it with someone who's navigating spiritual growth. Download your free devotional + join the 10-Day Challenge: https://jazminedewees.com/freedevotional/ Follow for more faith-building conversations on scripture, identity, and walking out your calling with clarity and confidence.

Luke 16: 1 - 9

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many people say our healthcare system is broken—and maybe you've felt that yourself.Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there's a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why an “Open Enrollment” Campaign for a Year-Round Ministry?While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges.This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it's an excellent opportunity to shine a light on a biblical alternative.Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who've paid premiums for years, only to find that help is unavailable when they need it most.It's disheartening. You think your provider is in-network, but later find out they're not. That leaves patients confused and financially burdened. It's a system that often leaves believers wondering if there's a better way.That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system.How CHM Differs from InsuranceCHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other's medical expenses—a reflection of biblical community and mutual care.They've been around since 1981 and have shared or satisfied over $13 billion in medical bills. They're a nonprofit ministry that helps Christians live out their faith through practical care.Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry's guidelines.It's simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they're part of a community that cares.At its core, CHM is not an insurance company—it's a Christ-centered community built on shared values. Members give monthly to help other believers in need. It's an act of faith and stewardship. And for most people, it's far more affordable than traditional plans.This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values.Guidance for Those Exploring Their OptionsFor anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind.You don't have to be trapped in a broken insurance system. There's a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable.Many in the Faith & Finance audience are retirees or nearing retirement. So it's important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover.It's what they call a ‘complementary' approach, where CHM can help cover costs Medicare doesn't pay, as long as they fall within its guidelines.FaithFi is grateful for CHM's partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don't have to settle for a system that's broken. There's a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn't have the money to pay for it. Where can he turn for help?I own a small business structured as an LLC, and I'm confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both?I'm a pastor, and one of my church members is struggling. After his father's death, the estate was liquidated, leaving him without a home. He hasn't filed taxes and now has tax debt. What's the best way for him to address this?I'm looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)National Christian Foundation (NCF)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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's edition of Family Talk, Roger Marsh welcomes Ken Harrison, CEO of WaterStone and author of A Daring Faith in a Cowardly World. Harrison shares his powerful journey from LAPD officer to ministry leader, and reveals how God calls men to live with courage and conviction. To support this ministry financially, visit: https://www.oneplace.com/donate/707/29?v=20251111

What if your investments did more than earn returns—what if they helped shape the culture for good?Today, we'll explore how your money can not only grow but also advance God's purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact.Brian Mumbert is the President of Timothy Plan, an underwriter of Faith & Finance.Giving That Flows from FaithAt the heart of Timothy Plan's mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan—tithes its profits to support ministries aligned with biblical values.Those partnerships reflect a desire to be active on the other side of Timothy Plan's investment screens. In other words, it's not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families.This commitment is not theoretical—it's deeply practical.In Central Florida, Timothy Plan partners with organizations such as Choices Women's Clinic, the area's largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry. Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice.Through the Kairos Prize, Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project, which equips entrepreneurs worldwide to start and grow businesses based on biblical principles.A Legacy of Business as MinistryTimothy Plan's founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God's work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God's got a bigger shovel.”That philosophy continues to shape Timothy Plan's culture. They see business as ministry, and since we are all stewards of God's money, we want to ensure it has an eternal impact.For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we're not just seeking a return—we're influencing what gets built, produced, and promoted in our world.This approach aligns with the broader mission of Timothy Plan: to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation.At FaithFi, we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture.To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com.On Today's Program, Rob Answers Listener Questions:I'm planning to retire in 2027 and want to move my deferred compensation. How do I go about that? And should I also get life insurance when I retire?My wife and I just bought a home with a 6.188% adjustable-rate mortgage for three years. Should we refinance now into a 30-year fixed, or wait to see if rates come down?I'll start receiving my full Social Security benefits in December. How much can I earn without being taxed on it?Can you explain how your financial approach differs from Dave Ramsey's? And since Social Security had me apply for widow's benefits, will I owe taxes on that income?Should I invest in gold—or a mix of gold and silver—and how would I do that? And what about Bitcoin or other digital currencies? Are they wise investments, and how would I start?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Timothy PlanCharles Schwab | FidelityAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are England capable of beating the All Blacks for the first time since 2019? And is this side ready to take a big scalp? Ashy and Chris head to the England team hotel and chat to Steve Borthwick about his selection which sees George Ford return at fly-half and Fin Smith drop out of the 23-man squad. They also catch up with Freddie Steward who gives a fascinating insight into dealing with the high ball under the new laws and he gives us a detailed account of how he dislocated his finger against Australia. Chris has also been to see the New Zealand head coach Scott Robertson who wants to deliver a Grand Slam this autumn.

Ever wonder why money so often reveals what we truly value? Today, we'll find out.You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we're turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind Our Ultimate TreasureWhen Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn't set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God.Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional.Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn't matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues.That's why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God's purposes—to see money not as a source of stress or identity, but as a tool for worship.Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most.If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally.Moving from Ownership to StewardshipOne of the most freeing shifts in a believer's financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we're simply managers of His resources, everything changes.Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God's.Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God's financial principles aren't restrictive—they're protective.When we live within our means, avoid debt, plan diligently, and give generously, we're reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn't just shape our money; it shapes our hearts, making us look more like Christ.The Gift of Margin, Generosity, and LegacyOne of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there's no space left for God to move.Creating margin is an act of faith. It's how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways.At FaithFi, we often say that generosity isn't just about giving—it's about joining God in His redemptive work. When we give, we participate in something far greater than ourselves.Generosity becomes a reflection of God's heart and a visible expression of His love in the world. The fruit of generosity isn't measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact.Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy.Legacy isn't about wealth—it's about faithfulness. Preparing the next steward means intentionally helping the next generation understand that everything belongs to God. If we pass on money without passing on wisdom, we've missed the point. Our responsibility is to model open-handed living, teaching those who follow us to hold God's gifts lightly and use them for His glory.A Hope for Every ReaderOur prayer for Our Ultimate Treasure is simple: that it would help readers see money through God's eyes and experience a renewed relationship with Him.When we understand that everything we have belongs to a generous Father, our posture shifts from fear to trust. We move from striving to surrender. Financial stewardship becomes less about mastering money and more about walking in freedom with God.If these 21 days lead someone to treasure Christ above all else—to trust Him more deeply and handle money in a way that honors Him—then this devotional has done its work.Our Ultimate Treasure is available to all who become a FaithFi Partner by December 31. Partners will also receive the latest issue of Faithful Steward magazine as well as an early release copy of Rob's new devotional whenever it is released in January 2026. Join us at FaithFi.com/Partner. On Today's Program, Rob Answers Listener Questions:I'm planning to remodel two bathrooms for about $35,000–$36,000. I have $10,000 saved for repairs, $25,000 in emergency savings, and $45,000 in dividend-producing stocks. Should I use some of the dividend money or take out a low-interest loan to cover the rest?I've enrolled in Medicare Part A but not Part B. My company has fewer than 20 employees and will soon only have one. I've heard conflicting advice about penalties for delaying Part B, even with proof of insurance. Should I enroll now or wait?If someone saves $10 a week for 30 years, how much would that grow to over time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We want to encourage you to not just sit back and watch, but to really engage along with your church family today. So, gather up the family and grab your Bible, share this and invite your friends, turn your volume up, and let's worship Jesus TOGETHER today!Ready to take a next step? (Baptism, serving, etc) https://harvesttime.churchcenter.com/people/forms/125818Need prayer? Text HTPRAYER to 97000 and someone from our team will connect with you.Give online here: https://harvesttime.net/give

1 Timothy 6:17–19 - How to “Be Rich”  |  Series: Beyond 2025 |  Sam Holm, Lead Pastor  |  Preached 11-09-25 10:45am   Tag: Beyond, Mission, Mission Trip, Pray, Give, Go, Servant, Serve, Community, Globe, Global, Ministry, Missional, Steward, Stewardship, Tithe, Give, Giving, Sacrifice, Wisdom, Money

1 Timothy 6:17–19 - How to “Be Rich”  |  Series: Beyond 2025 |  Sam Holm, Lead Pastor  |  Preached 11-09-25 10:45am   Tag: Beyond, Mission, Mission Trip, Pray, Give, Go, Servant, Serve, Community, Globe, Global, Ministry, Missional, Steward, Stewardship, Tithe, Give, Giving, Sacrifice, Wisdom, Money

Thank you for watching! We hope you were blessed by this message. If you'd like to learn more about us text the word “HOPE” to 513-993-4382 or visit our website here:www.thebridgecincy.com* Online Giving: https://thebridgecincy.com/give/ 

Are you building your family culture intentionally or by accident? In this powerful message from Authentic Church OC, Rion Dalby challenges us to steward our families well — whether you're single, newly married, raising kids, or an empty nester. Using Joshua authenticoc.com   Listen on Apple Podcasts: Authentic Church Podcast #Family #ChristianParenting #Joshua2415 #Stewardship #AuthenticChurch

Igniting Contagious Faith!Sermon Notes: https://links.kchanford.com/sunday

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” - Edmund BurkeIt's a familiar thought: If I just had a little more money, life would be better. We've all been there—believing that one more raise, one more purchase, one more upgrade will finally bring contentment. But as many have discovered, that thought rarely delivers what it promises.The question “Can money buy happiness?” isn't new, and neither is the answer. From philosophers to billionaires to biblical writers, the conclusion is the same: wealth can make life comfortable, but it cannot make life complete.Why Money Can't Deliver What It PromisesWe don't know how much Edmund Burke studied Scripture, but his words echo a timeless truth. Paul warned Timothy, “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). When we expect money to solve our problems or satisfy our hearts, disappointment always follows.Financial author Ron Blue explores this in his book, Generous Living: Finding Contentment Through Giving, pointing out a deep disconnect between what we believe and how we behave. Most of us would agree that “money can't buy happiness,” yet nearly every message in our culture insists that it can. The world doesn't just tempt us to spend more—it trains us to depend on more.Advertising drives this message home. Every commercial suggests that joy is only one purchase away. The right car, the latest phone, the perfect vacation—each one whispers that happiness is for sale. But when our hearts attach to things that fade, anxiety soon takes root. Instead of owning our possessions, our possessions begin to own us.John D. Rockefeller, worth billions in today's dollars, once admitted, “I have made many millions, but they have brought me no happiness.” Henry Ford echoed the same sentiment: “I was happier when I was doing a mechanic's job.” And long before them, King Solomon—the wealthiest man of his day—wrote, “He who loves money will not be satisfied with money; this also is vanity” (Ecclesiastes 5:10).Three men, three eras, one truth: money can't satisfy the soul.Two Myths About WealthRon Blue identifies two common lies about money:More money brings more freedom and satisfaction. In reality, more money brings more complexity. As Ron Blue also notes in his book, “Since there are always unlimited ways to spend limited dollars, it doesn't matter whether you make $20,000 or $200,000—you will always have choices to make.” With greater wealth comes greater responsibility and potential stress.More money removes fear and worry. The opposite is often true. The more we have, the more we have to lose. Market downturns and unexpected crises reveal that our sense of security is fragile when it's built on wealth.In those moments, God invites us to a deeper trust—not in our accounts or assets, but in His character. His provision is measured not by our portfolios but by His promises.So how do we break free from financial fear? It begins with a shift in perspective: realizing it's not your money. You're a steward, not an owner. Everything you have belongs to God.Philippians 4:19 assures us, “And my God will supply every need of yours according to his riches in glory in Christ Jesus.” God promises provision, not luxury. He gives enough for His purpose in your life, not necessarily for every preference.Our role is faithfulness—to manage His resources wisely, give generously, and hold loosely what He entrusts to us. Enjoy His gifts, but never expect them to give you peace or identity. Those belong to God alone.Finding Joy That LastsPsalm 37:3–5 gives us the pathway to contentment: “Trust in the Lord, and do good… Delight yourself in the Lord, and he will give you the desires of your heart.”When we delight in God, He reshapes our desires. We stop chasing what fades and start finding joy in what lasts. True wealth isn't measured by net worth but by contentment.So, can money buy happiness? Not the kind that endures. It can buy comfort and convenience—but not peace, purpose, or joy. Those come only from trusting the One who provides.When your hope rests in Christ and not your paycheck, you'll experience what Edmund Burke described centuries ago: true freedom that never fades.On Today's Program, Rob Answers Listener Questions:I'm 30 and trying to be proactive about my financial future. Should I consider getting long-term care insurance this early, or wait until later in life? And would adding annuities make sense at my age?I'm a veteran with a VA loan at 6.75%, and I keep getting offers to refinance through a VA IRRRL. I've only been in my home for about a year, but as a single mom, lowering my payment would really help. Should I go ahead and refinance now, or wait?My employer offers both a traditional 401(k) and a Roth option. If I switch to contributing to the Roth, will my employer match still go there, and would it also be tax-free when I withdraw it?I recently replaced my old truck with a 2023 model, and the seller is offering an extended warranty for $4,000. It sounds comprehensive, but I've read many negative reviews about these plans. Are extended warranties on vehicles generally worth it?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Generous Living: Finding Contentment Through Giving by Ron Blue with Jodie BerndtWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever felt like singleness is just a sentence of loneliness? Are you fixating on the person you don't have, instead of the purpose God has for you right now? The truth is, singleness only feels like loneliness when you're doing it wrong. In this powerful episode, Preston Morrison challenges the destructive lies of isolation, manipulation, and desperation. He lays out how to Steward Singleness Like A Savage by replacing frustration with fierce preparation. You'll discover: The difference between God's path and your own plans (and why you must stop trying to force what God doesn't want). Why the enemy wants you to think "never" when God is actually saying "not yet." The critical link between the bar you set for yourself as a single person and the bar for the spouse you can marry. The six areas of preparation you can conquer today to ensure your future is built on a solid foundation going into a relationship. Stop letting singleness be a drain and start letting it be the fuel for your future!    

The best gift you can give yourself this season might not come wrapped in paper or tied with a bow.The holiday season—from Thanksgiving through Christmas—can be one of the most joyful times of the year, but also one of the most stressful, especially when money's tight. What if you could celebrate the whole season without the financial regret that debt brings? The good news is—you can. With a few simple steps, you can enjoy the season, bless others, and keep peace in your heart and home.Start With a Spending PlanFrom the turkey to the tinsel, the holidays bring both delight and pressure. We want to give, to gather, and to make memories. But if we're not careful, the bills that follow can overshadow the joy.Begin by setting a total spending limit. Start with what you can afford, not what you wish you could. That number becomes your guardrail for the season. You're not being stingy—you're being wise. Every dollar you keep out of debt stays available for future generosity.Next, divide that total into categories—food, travel, gifts, decorations, charitable giving—whatever matters most to your family. Writing it down makes the plan tangible and easier to follow.If you're hosting Thanksgiving dinner, include the cost of groceries. If you're traveling, plan for gas or airfare now so you're not caught off guard later.Pay With Cash or DebitStudies show we spend about 30% more when paying with credit. Whenever possible, pay with cash or a debit card. If you must use a credit card, set a firm limit and stick to it.Some families even open a separate account just for holiday spending. It creates a natural boundary and helps avoid impulse purchases. There's real freedom in knowing you've already decided what's enough.Get Creative With GivingWhether it's hosting Thanksgiving dinner or wrapping Christmas gifts, remember—it's not about the price tag. A handwritten note, a framed photo, or a homemade pie can carry far more meaning than something store-bought.Acts 20:35 reminds us, “It is more blessed to give than to receive.” That blessing isn't about the cost—it's about the heart.If your children are old enough, invite them to help bake cookies for neighbors or make handmade gifts for grandparents. These shared experiences create memories that last far longer than the presents themselves.You can also use what you already have—redeem unused reward points or gift cards. It's one more way to keep spending within your means.Plan Ahead for Next YearWhen January rolls around, start setting aside a little each month for the next holiday season. Even $50 a paycheck can make a big difference. By next November, you'll be ready to give and celebrate without anxiety.If you prefer automation, set up a small transfer to a dedicated savings account. You'll hardly notice it leaving your budget—but you'll be grateful when the holidays return.Partner With a Faith-Based Financial InstitutionIf you're looking for a trusted place to save, consider our friends at Christian Community Credit Union (CCCU)—a financial institution that's been serving believers and ministries for over 68 years.They share your faith and are committed to helping you manage money in a way that honors God. Their savings accounts, digital tools, and personalized service can help you stay on track during the busiest time of the year.Right now, as a special offer to FaithFi listeners, you can receive up to a $400 bonus when you open a high-yield checking, savings, or Visa cash-back card. Visit FaithFi.com/Banking and enter the code “FaithFi” when you apply.Keep Your Focus on What Matters MostAs you prepare for Thanksgiving, take a moment to thank God for His provision. Gratitude is where wise stewardship begins. And as Christmas draws near, let your giving reflect the joy of God's greatest gift—His Son, Jesus Christ.When we give with grateful hearts and live with margin, we reflect His generosity to the world around us. Ultimately, this creates space for what matters most: faith, family, gratitude, and the celebration of Christ's birth.Even when finances feel tight, remember—lasting peace isn't found in numbers or careful planning, but in resting on God's faithful provision. That is the heart of faithful stewardship: learning to live not from scarcity, but from trust in the One who provides abundantly.And when you do, you'll find a joy that lasts long after the holidays are over.On Today's Program, Rob Answers Listener Questions:I've been on and off Social Security disability after a head injury, but was later able to return to work. They kept sending me payments even after I notified them I was earning more than allowed. Now that my cancer has returned and I may need to stop working again, how should I handle this with Social Security? Should I visit their office in person to get it sorted out?My wife and I own our home outright, but have built up significant credit card debt over the past few years. We're debating whether to take out a home equity loan or a reverse mortgage to get back on track. Which option would you recommend?We're selling our home and deciding whether to use all the proceeds to buy our next house or invest some of them in our retirement accounts to increase our monthly income. Which choice makes the most financial sense?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of the America's Work Force Union Podcast, we were joined by Jackie Tate, President, and Imogen Fox, Bargaining Team Member, Steward, with American Federation of State, County and Municipal Employees (AFSCME) Local 88, representing Multnomah County employees in Portland, Ore They discussed the union's current contract negotiations, key workplace challenges such as staffing, wages and trauma support, as well as the growing role and concerns surrounding artificial intelligence in the public sector. On this episode of the America's Work Force Union Podcast, Merrilee Logue, Executive Director of the National Labor Office at Blue Cross Blue Shield Association, and David Yoder, Senior Vice President of the Blue Cross Blue Shield Federal Employee Program (FEP) discussed FEP's commitment to the federal workforce, the details of the current open enrollment period and what the premium adjustments mean for members in the coming year.

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Losing a spouse can shake every part of life—but God promises to walk with you through each next step.When loss turns life upside down, even simple financial decisions can feel overwhelming. But with God's help—and a few practical steps forward—there is hope and healing ahead. Today, Valerie Hogan joins us to share guidance for navigating the financial journey after losing a spouse.Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, and the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. Grief and Finances Are Deeply ConnectedWhen grief hits, clarity often disappears. You may feel pressure to “get everything settled” or, on the other hand, find it impossible to make even small decisions. Both reactions are normal.Grief colors everything. It's difficult to separate financial choices from emotional pain. And that's okay. The key is to give yourself permission not to have all the answers right away.Statistics show that about 80% of women will outlive their husbands. That means most of us will one day find ourselves managing finances alone. And many women, especially from earlier generations, weren't as involved in financial decisions during marriage.After loss, that reality can be intimidating. Suddenly, you're faced with choices about investments, taxes, home maintenance, and budgets—often with less income and more years of life ahead. Those early months matter, but they shouldn't be rushed.Start with This Truth: God Owns It AllBefore any practical steps, I want to anchor you in a truth that has carried me and countless others through difficult seasons: God owns it all.Everything we have belongs to Him, and He is with us as we steward it. Remembering that doesn't erase the pain, but it reminds us we're not alone. It shifts the weight of control off our shoulders and invites God's wisdom into our decisions.That truth gives us permission to move slowly and prayerfully. Stewardship is not about perfection—it's about trust.Steps for Navigating the Early DaysHere are some guiding steps I often share with widows who ask, “Where do I even begin?”1. Take One Step at a TimeYou don't need to fix everything today. Unless a change is absolutely urgent, give yourself space to rest and recover. Grief has a way of making even simple tasks feel monumental. Be patient with yourself.2. Avoid Major Financial Moves Too SoonTry not to make significant financial decisions while emotions are raw. Some women have sold homes, moved away, or invested large sums during intense grief—only to regret it later. Wait until your heart is steadier before making big changes.3. Get Organized, Little by LittleLoss often leaves behind a mountain of paperwork. Start small—maybe one pile, one folder, one hour. Ask a trusted friend or advisor to help if it feels overwhelming. Progress comes one decision at a time.4. Track What's Coming In and Going OutAwareness brings peace. You don't have to overhaul your budget immediately—just begin noticing where money is going. Clarity grows with consistency.5. Lean on Trusted AdvisorsChoose people who will look out for your best interest—those with integrity and experience, not pressure or sales motives. A trusted financial planner, attorney, or advisor can help you think clearly when emotions run high.6. Anchor Everything in PrayerThis is the most important step. God cares deeply when His people are hurting. Invite Him into every conversation, every decision, every bill you open. He is your provider and your comforter.Build a “Personal Board of Directors”Form a personal board of directors—a small circle of wise people you can lean on for different kinds of counsel.You might include:A spiritually mature friend who prays with youA financial professional with integrityAn encourager who helps you stay hopefulA practical helper who can sit with you through paperworkEach one brings something valuable. Just remember: not every encourager is a financial guide, and not every advisor is a prayer partner. Surround yourself with a balanced mix of wisdom and compassion.Know It. Own It. Like It. Change It.In their book Wise Women Managing Money, Miriam Neff and Valerie Neff Hogan use a simple four-part framework that applies beautifully here:Know it—Gather the facts. What do you own? What do you owe?Own it—Accept responsibility for your new role as steward.Like it—Evaluate your current situation honestly.Change it—Begin making small, steady adjustments that align with your goals and faith.You don't need to have it all figured out. Start by knowing where you are—and trust that God will guide each next step.If you've recently lost your spouse, please hear this: there are brighter days ahead. It may not feel that way now, but God will give you strength and wisdom in time. I've seen hundreds of widows rebuild, heal, and even thrive again.Take one step at a time. Pray often. Surround yourself with wise, loving people. And remember—you're not alone.On Today's Program, Rob Answers Listener Questions:A friend once told me they only tip 10% at restaurants, so they don't end up giving a server more than they give to God. Now that's stuck with me—every time I eat out, I think about it. Am I looking at this the wrong way? What's the right, biblical way to think about tipping and giving?I recently set up a trust, and I own two homes—one's paid off and the other still has a mortgage. Both properties are titled in my name. Do I need to transfer or re-deed those homes into the trust, or can I leave them as they are since they're already in my name?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. Widow ConnectionWisdom 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

2 Corinthians 9:1-8

Becoming a Trusted Steward | Joshua Miller | Westerville Campus | November 2, 2025