Podcasts about Steward

The Holy Spirit isn't just with us—He equips us! Last night we were reminded by Pastor Chad to: 1️⃣ Discover your gift – God has already called and equipped you (Romans 11:29). 2️⃣ Develop it – Surrender it back to Him and grow in it (Romans 12:1-2). 3️⃣ Deploy it – Use it not for yourself but to glorify God (Romans 12:3-8).

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22When it comes to managing money wisely, many of us could use some help, but how do you know you've found the right financial advisor? Today, we'll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.How to Find a Financial Advisor Who Aligns With Your FaithFinding a financial advisor can be overwhelming, but it doesn't have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values.  1. Values Alignment: Do They Share Your Worldview?The most important starting point is finding an advisor whose faith informs their advice. There's a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens.Key Questions to Ask:What role does faith play in your financial advice?How do you define financial success?You're listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain.2. Competency: Are They Qualified to Serve You?Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions.Look for:Industry certifications (like CFP®, CPA, CKA®, etc.)Experience working with clients in your stage of lifeKey Question to Ask:Can you tell me about clients you've served who are in a similar situation to mine?Good advisors won't name names, but they should be able to share stories of impact that demonstrate how they've helped people like you.3. Process & Compensation: Are They Transparent and Clear?A trustworthy advisor will be open about how they make money and how they work with clients.Key Questions to Ask:Can you explain how you're compensated—fees, commissions, or both—for someone like me?What is your process for creating a financial plan?They should be able to explain their step-by-step approach, timeline, and what you'll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.”Ready to Find an Advisor?If you're beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for:Biblical worldviewIntegrityTechnical excellenceYou'll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it's wise stewardship to evaluate that relationship regularly.When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That's the kind of advisor worth seeking out.On Today's Program, Rob Answers Listener Questions:My wife and I want to set up a will. We have a son we support and want to make sure he gets everything. I talked to a lawyer who said trusts aren't necessary anymore and are expensive. I have about $300,000 in home equity, and I'm wondering about taxes and how he might handle the property.My dad recently passed away. My mom has been drawing on his Social Security because she didn't have enough credits from working. What percentage of my Dad's Social Security benefits will she receive as a survivor? What benefits will she get since he was a veteran with VA disability?Am I supposed to pay tithes on the income of my Social Security now that I'm retired?Now that my wife is retired and I'm almost retired, is maintaining a good credit score still important?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov) | U.S. Department of Veterans Affairs (VA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God's grace invites us back. He doesn't lead with condemnation, but with compassion.That truth has everything to do with our financial lives.Yes, God Cares About MoneyIt's easy to think God isn't concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God.And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we're invited to bring those failures to the Lord in repentance.Grace for Financial FailuresWhen we confess our financial sins, we don't encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them.Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn't demand this—grace compelled it. Zacchaeus didn't earn salvation by generosity; his giving revealed a heart transformed by it.We're invited to that same transformation.Financial Sins Worth Repenting OfYou might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on:1. Forgetting God Owns It AllWe are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we've earned instead of worshiping the One who provides.2. Dishonesty in Financial DealingsCutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord's sight but also in the sight of man.”3. Withholding GenerosityProverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God.4. Neglecting Diligent WorkWork isn't a punishment—it's a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God's purposes.5. Living Beyond Our MeansChronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God's provision.6. Coveting Others' WealthEnvy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have.Repentance That Leads to RestorationIf any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He's asking for surrender.When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom.So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God's kindness might be calling you back in your financial life.Ask Him to search your heart. Repent of anything that's not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness.And that, friend, is true freedom.On Today's Program, Rob Answers Listener Questions:I want to know how to invest my Roth IRA funds. I have a large account with a private custodian in a checkbook LLC, and right now it's just sitting in a bank account, which is shrinking because of inflation. I just want to keep up with inflation. I'm 70 years old and want to invest $30,000 wisely. After financial challenges, I want to create a safety net for my family and 15 grandkids. I don't know much about investing and need advice on what to do with my money.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentSound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

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

They say that crisis reveals character, and for a brief moment, the pandemic revealed surprising financial resilience.Many Americans experienced a rare financial reset during that season, as savings rose and debt declined. But five years later, much of that progress has unraveled. Dr. Shane Enete joins us to unpack what changed—and how believers can respond faithfully in a culture gripped by renewed financial anxiety.Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.The Unexpected Silver Lining of the PandemicWhen the COVID-19 pandemic brought life to a standstill, something surprising happened with our money. Instead of overspending, many Americans buckled down.Research from the Federal Reserve Bank of Boston and the U.S. Government Accountability Office showed that people used pandemic stimulus checks to reduce credit card balances and cut spending. Simultaneously, emergency fund levels rose to 20-year highs.With fewer opportunities to spend and greater economic vulnerability, people embraced margin, paid down debt, and began saving like never before. It was a rare moment of collective financial wisdom.The Return to Old HabitsBut that moment didn't last.Fast-forward to today, and the picture looks far less encouraging. Credit card debt has now surpassed $1 trillion, and six in ten Americans are uncomfortable with their emergency savings, up from just 37% before the pandemic.The decline in financial well-being is measurable. According to the CFPB's 2024 Making Ends Meet survey, the average financial well-being score dropped from 55 to 49. This score reflects how confident households feel about meeting basic expenses, like paying bills and putting food on the table.Even more concerning: over one in three Americans now carry more credit card debt than they have saved. And 42% say they couldn't go even one month without income before falling behind.Why It Matters for ChristiansSo, what's going on? Why the backslide? The answer lies not just in behavior but also in belief.Fear takes over when Jesus isn't present in our financial decisions. We start believing that we have to carry the full weight of financial responsibility. But Scripture reminds us that we have a good Father and a faithful Shepherd who provides for His children.As believers, we're called to live differently—to manage God's resources with wisdom, margin, and generosity. This begins with a mindset shift from ownership to stewardship.Many people dread the word “budget”, but we should really see this through a new lens. If budgeting is about tracking God's provision—your daily bread, your shelter, your gas money—then it becomes an act of gratitude. It's a moment to declare God's goodness.”By embracing this spiritual practice, we open a line of communication with the Lord about our finances. Budgeting isn't just math. It's discipleship.Your Next Step Toward StewardshipWhere do you begin if you want to live this way?Start simple and track your spending. Shine a light on your habits without judgment. What you illuminate can be transformed. Ephesians 5:13 says, “But everything exposed by the light becomes visible—and everything that is illuminated becomes a light.”Using tools like the FaithFi app can help you begin this journey. And remember, you don't have to walk it alone.Living within your means, avoiding debt, and giving generously stand out in a culture of consumption. They testify to the Spirit's work in our lives, especially the fruit of self-control.When believers manage money wisely, they display a beautiful trait of the Holy Spirit. They model a life that's free, sustainable, and others-focused—the kind of financial light the world desperately needs.To read Dr. Enete's full article in the latest issue of our quarterly magazine, Faithful Steward, become a FaithFi Partner today with a gift of $35 a month or $400 a year. Just visit FaithFi.com/Partner to join.On Today's Program, Rob Answers Listener Questions:My mother, who's in her 90s, is going to be selling my house, which I've owned for over 30 years. It looks like the sale may exceed the $250,000 capital gains exemption. If the profit goes over by, say, $20,000, what happens? How is that taxed, and how soon would she have to address it after the sale?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17As believers, we're called to defend the powerless and stand up for those who can't stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization's board of directors.A Hidden Crisis for Girls in LebanonWhile global headlines often focus on Lebanon's war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence.In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through.Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They're helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King.One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her.You Can Help Right NowWhen girls discover their God-given dignity and worth, it changes everything. The gospel doesn't just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal.As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus.When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn't just bless others—it deepens our trust in God and draws us closer to Him.That's the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we're trusting God to help us reach 500 girls and young women in Lebanon with protection and hope.Join us in this life-saving mission. To give:Text FAITH to 98656Visit: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let's be faithful stewards together.On Today's Program, Rob Answers Listener Questions:I'm 75 and have two retirement accounts I'm not sure what to do with. One is a TSP from my military retirement with just under $5,000. The other is a New York Life annuity worth about $50,000, but it's only earning 2%. Should I move it into an indexed annuity or keep taking the RMDs as is?My wife passed away just two weeks ago, and I'm overwhelmed. She handled our finances; I haven't paid a bill in 25 years. We tried reaching out to a Certified Kingdom Advisor before she passed, but didn't have much success. I don't have a budget, and honestly, I don't know where to begin. I need help.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this I'm breaking down the surprising truth about co-ops versus condos in New York City real estate. While co-ops are known as the more affordable option with lower purchase prices, I'll show you the shocking math that reveals they actually require MORE income and cash on hand than their pricier condo counterparts. Through a detailed side-by-side comparison of a $1M co-op and $1.25M condo, I'll expose how co-op down payment requirements, debt-to-income ratios, and post-closing liquidity demands dramatically change the affordability equation.About the Host:Christina Kremidas is a lifelong New Yorker who brings her extensive background in advertising to her successful real estate career in Manhattan. Her personal experience as a property investor and landlord in New York City gives her unique insight into her client's needs, while her negotiation expertise and market knowledge have quickly established her as a top-performing agent, ranking among the top 1.5% of licensed Agents in the United States for Sales Volume and among the Top 10 highest producing Small Teams at Douglas Elliman Real Estate. Beyond her professional achievements, Christina is deeply involved in the NYC community.  She is a founding Steward at St. Nicholas Greek Orthodox Church and National Shrine at the World Trade Center, where she serves on the Parish Council and leads social media, marketing, and young adult initiatives.Get in touch with Christina:Instagram: https://www.instagram.com/christina.kremidasTikTok: https://www.tiktok.com/@christina.kremidasCheck out my website: https://christinakremidas.com/Email me: Christina.Kremidas@elliman.comWhat Is Your Property Worth?: https://christinakremidas.com/home-valuationThe Virtual Agent Experience: https://christinakremidas.com/virtual-agentTimestamps0:00 "The co-op math ain't mathing"1:19 Setting up the comparison: $1M co-op vs. $1.25M condo3:47 Breaking down financing options and down payment requirements6:19 Analyzing debt-to-income ratio requirements9:29 Calculating income requirements 11:52 Post-closing liquidity requirements 14:14 Comparing closing costs 16:22 Co-op requires $200K more cash and $30K higher income

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

[Content Warning]: Domestic violence, child abuse, abandonment, narcissism Today, Jan is joined by Hope Rose, a previously sponsored ultra endurance athlete, the self-published author of Unstoppable Vision, a health+wellness book, and featured in many publications such as NBC Nightly News and Today Show. In this gripping first installment, Hope Rose takes us through her incredible journey from elite ultra-runner to survivor of unimaginable trauma. She shares how her athletic discipline prepared her for life's hardest battles, including escaping a dangerously abusive relationship where she discovered her partner was still married and manipulating her life. The nightmare escalated when the family court system, which she describes as "legalized child trafficking," allowed her ex to obtain full custody of their son through an ex parte order—with no evidence or due process. Hope recounts her arrest for "custodial interference" after refusing to surrender her child, spending 130 days in jail while her son was placed in foster care. Amidst this darkness, she reveals the spiritual tools that sustained her, including a couple powerful daily forgiveness practices and her unwavering commitment to being "the steward of her story."Join Glow Up Sisterhood for FREE using Promo Code: F8EB678 Buy Hope Rose's book Unstoppable Vision Where to find Hope Rose:HopeRoseSpeaks.com Insta: @hoperosespeaks If you or someone you know is experiencing emotional distress or suicidal ideation, please access the resources below:National Suicide and Crisis Lifeline: Call/Text 988National Sexual Assault Hotline  (RAINN) : 1-800-656-HOPE (4673)National Alliance for Mental Illness: 1-800-950-6264Subscribe / Support / Contact:

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.'” - Matthew 25:40Some exciting things are happening that will give you more ways to help “the least of these” in God's Kingdom. Brian Holtz joins us today with details about how we can all have the greatest impact in helping those in need.Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A Call to Reach the MarginsWhen it comes to helping families in financial crisis, good intentions aren't always enough. Real transformation requires more than quick fixes—it takes relationships, discipleship, and time. That's the heart behind Making Ends Meet, a small group video study from Compass Financial Ministry designed to equip churches and communities to walk with struggling families toward lasting financial health.Most financial ministries have historically focused on middle—and upper-income families, but Compass felt God pushing them to address those with no financial margin at all—those who aren't just managing poorly but truly don't have enough income to meet basic needs.In response, Compass partnered with ministries that specialize in serving low-income families to learn the unique challenges these households face, many of which go far beyond budgeting.Why Money Alone Isn't EnoughSimply giving money doesn't create lasting change. It may provide short-term relief, but study after study shows that injecting money into poverty doesn't solve the deeper problem.That's not a reason to stop giving—it's a reason to start giving differently.Jesus didn't just heal people and walk away. He invited them to follow Him. That's the model we need to follow—combining financial help with relational investment.When someone is experiencing financial hardship, it's often not just a matter of dollars and cents—it's about identity, family history, and deeply ingrained beliefs. That's why true transformation requires more than a checkbook; it requires presence.When we invest relationally, we gain credibility. That allows us to speak into someone's life in a way that supports their heart and habits.Understanding the Emotional BarriersOne of the surprising lessons Compass learned during the development of Making Ends Meet is how emotional the journey out of poverty can be.Many poor communities are deeply interdependent. They share what they have and support each other in powerful ways, like the early church in Acts.But when someone begins to move toward financial stability, it can create fear: Will I lose my community if I start to thrive? Will I be accepted if I have more than those around me?This anxiety can be paralyzing, which is why patience and prayer are so critical. These are generational challenges. They won't be overcome overnight, but change is possible with consistent love and support.Learn More and Get InvolvedThe beauty of Making Ends Meet is its simplicity. You don't need to be a financial expert to use it. If you care about people and are willing to walk with them, the study provides a step-by-step framework to break cycles of poverty and help families build a new mindset.This is for anyone already serving in their community through their church, a shelter, or a mentoring ministry. Compass provides the tools to make that investment more effective.To explore how you or your church can use Making Ends Meet, visit CompassFinancialMinistry.org. Whether you're looking to lead a group or come alongside a struggling neighbor, this resource is designed to equip you to serve with compassion and wisdom.Helping others financially isn't just about generosity—it's about discipleship. When we combine truth, love, and time, God can do amazing things.On Today's Program, Rob Answers Listener Questions:How do I get banks to produce my bank statements further back than the seven-year period usually required to keep records? I need bank statements from 10-15 years ago because I believe fraud or theft has occurred.My boyfriend is 62 and is about to receive profit-sharing money in two weeks after he took an early retirement from his job. He wants to put the money in his checking account or keep it in his man cave. I don't know how to get anything lined up for him or what to tell him to change his mind.I would like to send a charitable donation to my church directly from my IRA. I have the RMD forms, but I don't understand them. I don't know what to do by myself and don't want to make a mistake.I'm trying to withdraw some equity from my house, and I'm wondering what you think of a HELOC or an HEI.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Compass Financial MinistryMaking Ends Meet Video StudyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

521. Living as a Faithful Steward Mark 12:1-17 Emmanuel Oset 180520205 by City Church Lagos

“It will be like a man going on a journey, who called his servants and entrusted his wealth to them.” — Matthew 25:14 A steward is someone who takes care of and manages someone else's property or belongings. The steward is not the owner but is responsible to the owner for all that the owner has entrusted to them. The Bible includes many examples of stewardship. When God placed Adam and Eve in the Garden of Eden, he charged them with its care (Genesis 2:15). Since the beginning, humans have been entrusted by God to steward his creation, his blessings, and the very lives he gives them. In Jesus' parable in our Bible reading today, three servants received bags of gold from their master before he left on a journey. They were expected to be productive, innovative, and enterprising with what they had been given. Specifically, they were to invest their master's resources in worthwhile ventures, aiming for growth and multiplication. While two servants faithfully embraced this responsibility, one did not. The master's approval clearly fell upon the two who were faithful. As the Lord's stewards, we don't possess anything on our own. All we have is entrusted to us by our gracious heavenly Father. Yet while we live and breathe, we are called to nurture and care for what God has given us, using it for his glory. Then one day we too will hear the Master's words: “Well done, good and faithful servant.” Lord, may we honor you with the time, talents, and treasures you have given us. Guide us to be faithful stewards of all your resources. Amen.

Proverbs 4:26 reminds us, “Give careful thought to the paths for your feet and be steadfast in all your ways.”That's a call to intentional living—choosing wisdom over impulse, especially in how we manage our money. We often emphasize that budgeting isn't just about numbers—it's about aligning your resources with God's purposes.Matt Bell, a trusted voice in biblical finance, recently wrote about the contrast between cultural and Christian approaches to budgeting. He notes that culture gives your money a script:“Make $80,000 a year. Then move into this neighborhood, drive that car, wear these clothes, eat in these restaurants, and take these vacations. Then you can give.”In this model, spending comes first and usually leads to debt. If we're lucky, we might save or give with what's left. The result? Financial stress, shrinking savings, and a fading sense of contentment.Budgeting as a Sacred TrustBut what if budgeting isn't just a spending plan—it's a sacred trust?Deuteronomy 8:18 says, “You shall remember the Lord your God, for it is He who gives you power to get wealth.” Your income is a gift and a responsibility. Imagine God saying:“I'm entrusting you with $80,000 this year. Use it to reflect My love—meet needs, fund ministry, invest in My Kingdom. Save wisely. Enjoy what I've provided.”This echoes 1 Timothy 6:17, which reminds us that God “richly provides us with everything to enjoy.” With a biblical framework, our financial decisions flip the cultural script:Give firstThen save and investThen spend wiselyAnd use debt sparinglyPaul David Tripp puts it this way:“God calls us to stop starting with ourselves and hoping there's money left over for him. Instead, the call is to willingly and joyfully accept that our money's primary purpose is to fund a kingdom of generosity… and then trust that God will provide what we need.”Jesus warned in Matthew 7:26–27 that anyone who builds their life on shifting sand—hearing His words but not doing them—will find their house collapsing in the storm. A budget based on biblical principles isn't just practical—it's foundational. It anchors our financial lives to the truth of God's Word.A Partner for Kingdom StewardshipIf you're ready to build your finances on that foundation, it helps to partner with others who share your values. That's why we're grateful for Christian Community Credit Union (CCCU).More than a bank, CCCU is a financial institution with a Kingdom mission. They offer everything you'd expect—checking, savings, loans, mortgages—but they also invest your deposits in ministries that serve the Gospel worldwide. Every dollar becomes a tool for transformation.If you're seeking a trusted financial partner that aligns with your faith and fuels your impact, learn more at JoinChristianCommunity.com.Budgeting isn't about restriction—it's about worship. It's about saying, “Lord, everything I have is from You and for You.” When we carefully consider our financial paths, we begin to experience the freedom, peace, and joy of Kingdom stewardship.On Today's Program, Rob Answers Listener Questions:I will be full retirement age in August. I'm still working, so my Social Security will be a surplus that I want to put toward my home. I still owe $82,000 on it, but I also know it needs many repairs. Does it make more sense to put this extra cash flow toward repairs, paying down the mortgage, or a little bit of both?What's the difference between getting a debt consolidation loan or working with a debt counselor?I just wanted general information about universal index life insurance. It seems too good to be true. I've heard that you put money in, and it always increases, but you never lose money out of there, like in the case with stocks.I have a colleague with $12,000 in student debt. He wants to pay $1,000 down and the rest over time, but I think he should pay it off completely now. What's the best method for him to save money and pay off the debt quickly?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Billy Kinney is a storyteller, cultural practitioner, connector and land back advocate whose family traces its lineage, care and kuleana to Kauaʻi's north shore. Growing up in the 1980s and 1990s during Hanalei river's “boating wars,” Billy unpacks the challenges and opportunities for local people to connect and reconnect with ʻāina amidst unrestrained tourism and development, thereby redirecting the future of sacred places like Hāʻena. As the Assistant Director of the Hui Makaʻāinana o Makana he carries forward the group's mission to interpret, restore, care and protect the natural and cultural resources within the Hāʻena State Park. He shares how he traverses many worlds--both western and Hawaiian--and how his intimate traditional stewardship knowledge can sometimes complement or come into conflict with his academic background in urban regional planning.

In this episode of Real Estate Investing in New York, I'm thrilled to sit down with the remarkable Michael Liebowitz, CEO of Douglas Elliman Real Estate, whose journey from Staten Island to leading one of the most prestigious luxury real estate brands is nothing short of inspirational. Michael's genuine approach to business, from trusting his gut on a game-changing insurance deal to manifesting success through visualization, showcases why he's not just a brilliant business mind, but truly one of the most down-to-earth leaders I've encountered.About the Guest:Michael Liebowitz serves as the President and Chief Executive Officer of Douglas Elliman and as a member of our Board of Directors. Mr. Liebowitz is an entrepreneur, private investor, and seasoned business executive with extensive experience founding, acquiring, and monetizing businesses in the insurance and financial industries. About the Host:Christina Kremidas is a lifelong New Yorker who brings her extensive background in advertising to her successful real estate career in Manhattan. Her personal experience as a property investor and landlord in New York City gives her unique insight into her client's needs, while her negotiation expertise and market knowledge have quickly established her as a top-performing agent, ranking among the top 1.5% of licensed Agents in the United States for Sales Volume and among the Top 10 highest producing Small Teams at Douglas Elliman Real Estate. Beyond her professional achievements, Christina is deeply involved in the NYC community.  She is a founding Steward at St. Nicholas Greek Orthodox Church and National Shrine at the World Trade Center, where she serves on the Parish Council and leads social media, marketing, and young adult initiatives.Get in touch with Christina:Instagram: https://www.instagram.com/christina.kremidasTikTok: https://www.tiktok.com/@christina.kremidasCheck out my website: https://christinakremidas.com/Email me: Christina.Kremidas@elliman.comWhat Is Your Property Worth?: https://christinakremidas.com/home-valuationThe Virtual Agent Experience: https://christinakremidas.com/virtual-agentTimestamps0:00 Michael Liebowitz Introduction3:03 Michael's humble beginnings and background9:10 The insurance transaction story that put Michael on the map,17:38 Douglas Elliman's brand positioning in the high-end luxury real estate market28:55 Achieving exclusivity with major companies like General Motors, Goldman Sachs, and JP Morgan39:15 Michael's perspective on leadership intuition43:52 The future of the real estate industry and AI technology47:27 Michael's forecast for the 2025 residential real estate market50:01 Michael's beliefs on visualization, manifestation, and the importance of personal development for success

“Where your treasure is, there your heart will be also.” — Matthew 6:21That powerful truth from Jesus captures the heart of FaithFi's mission and vision.If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission.Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.When Your Peace Rises and Falls with the MarketIt's pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people's emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace.But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7).If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts.Why Our Mission at FaithFi MattersAt the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure.In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place.It's not about giving more, it's about loving God more. That's why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren't surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful.The Daily Struggle: Trusting God or Trusting in WealthOne of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security.The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God's Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ.Wisdom Over Wealth: What Ecclesiastes Teaches UsThis book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they're meaningless—just vapor, or ‘hevel' as Ecclesiastes puts it.But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won't last and start investing in what will.That's why we're excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God's wisdom. You'll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God's provision and sovereignty.To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to FinancesFaithFi isn't just about biblical theory—it's about real-life application. There are several ways we equip people to live out God-honoring stewardship:The FaithFi App—A budgeting tool built on biblical values like generosity, margin, and contentment. It even includes a vibrant in-app community with Certified Christian Financial Counselors (CertCFCs) and Certified Kingdom Advisors (CKAs).  Radio + Podcast—Daily encouragement and wisdom for wherever you are on your financial journey. Devotionals & Studies—Tools like Look at the Sparrows and Wisdom Over Wealth are helping individuals and churches connect their faith and finances. Faithful Steward Magazine—A quarterly, beautifully designed resource full of rich theology, practical advice, and real-life encouragement—exclusively for FaithFi Partners.Join the Movement: Become a FaithFi PartnerThe best way to support FaithFi's work is to become a FaithFi Partner—someone who gives $35 a month or more, or at least $400 a year. In return, partners receive early access to our Bible studies and devotionals, full access to the FaithFi Pro App, and quarterly issues of Faithful Steward. But more importantly, they help millions of people discover how to treasure God above all else.If this vision resonates with you, visit FaithFi.com/Give and join us.On Today's Program, Rob Answers Listener Questions:I want to know if charities have to follow minimum wage laws in Florida or the United States.I have about $130,000 between two IRAs, I owe about $125,000 on my mortgage, and about $15,000 on an auto loan. I have a $250,000 term life policy that ends in 2027. I'm shopping around and want to know how much life insurance I should buy, and if you're in favor of life insurance.What's the difference between a Roth IRA and a regular IRA? And can an individual open a 401(k) without being an employee?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

#1-The Blessing of the Psalms  II. The Blessing of Psalm 80  A. The Introduction (Rendition & Refrain)  B. Cry out to your SHEPHERD, vv. 1-3  C. Cry out to your SOVEREIGN, vv. 4-7  D. Cry out to your STEWARD, vv. 8-19

TOMBSTONES Part 2 Matthew 25:14—30 1. Steward well what God has entrusted to you “called together his servants and entrusted his money to them while he was gone.” Matthew 25:14 “each according to his own ability” Matthew 25:15 2. Let faith drive the car, not fear “I was afraid, and I went and hid your talent…Here you have what is yours.” Matthew 25:25 3. Trust God's character “The people that know their God shall be strong, and do exploits.” Daniel 11:32 4. Live with joy! “You wicked and lazy servant….you ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest.” Matthew 25:26 & 27

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5Mother's Day invites us to reflect on the deep, often quiet influence of a mother's faith. The Apostle Paul's words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy.A Mother's Work: Beyond MeasureWhen we think about the value of moms, it's usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can't be priced.But what if we did try to measure the economic value of a mother's daily work?According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor.Based on these duties, a mother's annual salary would exceed $185,000—and that's before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she's worth every penny.Still, even that figure falls short of her true worth. The value of a mother's love and faithfulness can't be calculated. It's personal. It's spiritual. It's eternal.How Scripture Calls Us to Honor MothersThe Bible doesn't just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman's reward:“Her children rise up and call her blessed; her husband also, and he praises her.”Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God's love in your life.But biblical honor doesn't end with gratitude. It matures into care, especially as our mothers age.Honoring Through Care: A Biblical MandateIn Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God.In today's terms, honoring your mother might look like:Making time for her amid your busy scheduleOffering financial assistance or managing her needsIncluding her in decisions that affect the familyListening with patience and respectPraying for and with her regularlyThese acts aren't just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life.Honoring a Legacy of FaithWhether it's your biological mom, your wife, a grandmother, or a spiritual mother who's poured into your life, this Sunday is your opportunity to show them they're not alone or forgotten.Let her know she's seen. Let her know she's loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn't wasted. It is, in fact, shaping generations and pointing hearts toward Jesus.Because when a mother models faith, she's not just building a home—she's shaping eternity.This Mother's Day, let's rise up and call her blessed, not just with words, but with actions that honor God and her.On Today's Program, Rob Answers Listener Questions:Is Bitcoin something that someone should have in their portfolio? I don't necessarily know much about it, so I don't invest in it, especially since I'll be going into retirement.My husband and I have an annuity, and I'd like to know how we can make charitable donations from it.My daughter has two student loans totaling approximately $15,000, with Mohela serving as the loan servicer. With the interest deferment ending in September, I'd like to know if we can negotiate to pay off the loans at a reduced amount, or should we pay them off if we have the funds available?I am the executor of my father's estate, and I'm 67 years old. Last December, the estate planner surprised me by saying we had to take a required minimum distribution (RMD). This year, I would like the RMD to be donated to a charitable organization. How do I set that up?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Divine coherence, living ceremony, sacred fire Imagine downloading a new healing frequency and feeling called to guide others on their soul restoration journey. This is exactly what happened for Arielle Coree, The Cosmic Channel, in 2020 with the birth of her daughter. I first connected with Arielle when she appeared on my Instagram feed, sharing the Akilah Celestial Healing Frequency™ (ACHF) — a channeled, multi-dimensional healing modality designed to awaken, restore, and anchor the soul's original blueprint back into the body. From the moment I encountered Arielle's presence, I was struck by her grounded energy and sovereign voice. She shared a frequency new to our planet — one humanity so deeply needs. Having experienced her custom transmissions (subtle, yet profound), I knew we had to bring Arielle onto the podcast. ACHF is unlike Reiki, representing a new wave of frequency healing that I believe the New Earth is ready for. Arielle Coree is the Founder and Channel of ACHF and the Steward of the Soul Restoration Living Field. Her work offers us a body of remembrance, guiding us back to our original state of wholeness. Through sacred ceremony, soul restoration, and frequency transmission, Arielle blends ancient Earth wisdom with future technologies of sound and light — anchoring the embodied wholeness necessary for humanity's evolution. Her work is rooted in Earth's original blueprint, supporting souls in reclaiming their sovereignty and divine embodiment. In this episode, we'll dive into: What ACHF is, why it's here, and where it came from The sacred union of humanity and divinity, and why transcendence isn't the path The New Earth — how it already exists and why we don't need to wait The power of embodiment and integration in healing Why our work now is crucial for breaking up density and anchoring lasting change Resonance as our compass, frequency as our currency, and why discernment matters Arielle's journey to anchor this new frequency: ego work, somatic healing, and becoming both cosmic and human How ACHF differs from Reiki and whether they can coexist Reiki as an entry point to deeper healing The meaning of Soul Restoration and why it's vital for collective healing Creating space for soul healing Wholeness as healing: homeostasis and harmony Arielle's mission and her deepest work for humanity What being a Woman Awake means to Arielle Coree How to work with Arielle and experience her transformative offerings Join us as Arielle shares the wisdom she's channeled to support us in our healing, remembering, and return to wholeness. Arielle Coree Bio: Arielle Coree is the Founder and Channel of Akilah Celestial Healing Frequency™ (ACHF) and the Steward of the Soul Restoration Living Field. Through sacred ceremony, soul restoration, and frequency transmission, Arielle blends ancient Earth wisdom with future technologies of sound and light — anchoring the embodied wholeness required for humanity's evolution. Her work supports souls in reclaiming their sovereignty and remembering who they are meant to be. Arielle is a Projector in Human Design with the visionary fire of a Sagittarius Sun, the sacred tenderness of a Cancer Moon, and the rooted devotion of a Virgo Rising. She beautifully walks between worlds, offering a life of true ceremony, where Earth and stars meet. Rooted in the mountains of Colorado, she raises her daughter, loves her partner, dances under open skies, and lets the frequency of live music move through her bones. Her work anchors in the everyday moments where healing takes root and remembrance becomes real. Arielle awakens the cellular knowing that we were never lost — only waiting to be found. Show Notes: ✨ Follow Arielle on Instagram: https://www.instagram.com/ariellethecosmicchannel/ ✨ Visitor her website here: https://www.ariellethecosmicchannel.com/ ✨ Join the waitlist for the Qadisha Initiation here: ✨https://www.claireobeid.com/the-qadisha-waitlist

“The prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3That verse reminds us that wisdom means planning ahead, especially when it comes to life's most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Why Planning Ahead MattersLife is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care.Consider the questions every household should be able to answer:What happens if you or your spouse is hospitalized?Would someone know how to manage your bills and care for your children?If you were to pass away unexpectedly, would your family know where to find your vital documents?Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it's urgently needed.The Power of an Emergency BinderAn emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes:Financial accounts and passwordsMedical records and contactsInsurance informationBill due dates and utilitiesFuneral wishesChildcare instructionsAnd more.Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household's key information is a tangible expression of love, wisdom, and care. It's a simple act of stewardship that offers comfort, clarity, and care when it matters most.How to Get StartedCreating an emergency binder might sound overwhelming, but it doesn't have to be.Here's a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one.And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It's also wise to keep a digital backup, securely stored and shared with trusted family members.If you're thinking, “I wish someone would just do this for me,” you're in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently.You can find it at EssentialEmergencyBinder.com.On Today's Program, Rob Answers Listener Questions:I want to consolidate our investments. We have a pension, Social Security, Roth IRAs, a 401(k), and traditional IRAs at two different financial institutions. Is it better to have everything in one place?I'm concerned about how my church is spending its tithe money on items like a drum set and library donations, rather than traditional ministries. Is this the right way for a church to use funds?I've received a six-figure inheritance from my uncle in Florida, which includes checking, savings, a money market account, and a Lutheran annuity. I would like to confirm that there is no inheritance tax in Ohio. I'm considering investing the money in CDs through my bank's Certificate of Deposit (CD) program. Can you confirm the tax situation and advise me on this approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, hosts Chris Boyer and Reed Smith unpack how the role of the Chief Marketing Officer has evolved—both across industries and within health systems. The expanding CMO playbook – CMOs are now expected to drive growth, lead digital transformation, and influence business-wide decision-making. The impact of AI and analytics – Today's marketing leaders must be data-fluent and tech-savvy to keep pace. Healthcare's unique pressures – From navigating tight budgets to partnering with clinical and operational leaders, health system CMOs face distinct challenges. Brand trust in the spotlight – The demand for transparency and ethical communication has never been higher. Also, in a special panel recorded live at #HMPS25, we hear from three leaders at the forefront of this transformation: Tanya Andreadis, VP, Chief Marketing and Experience Officer Andy Chang, Chief Marketing Officer, UChicago Medicine Chris Bevolo, Chief Transformation Officer, BPD Mentions from the Show:  Tanya Andreadis, VP Chief Marketing and Experience Officer Andy Chang, Chief Marketing Officer, UChicago Medicine Chris Bevolo, Chief Transformation Officer, BPD Reed Smith on LinkedIn Chris Boyer on LinkedIn Chris Boyer website Chris Boyer on BlueSky Reed Smith on BlueSky Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn this episode of the Own It Show, Justin Roethlingshoefer discusses the concept of health ownership and true transformation. He emphasizes the importance of internal change over external appearances, highlighting the need for core values that drive behaviors and ultimately shape results. The conversation critiques grind culture and worldly patterns that lead to health sacrifices, advocating for a holistic approach to wellness that includes mental, emotional, and spiritual health. Justin calls listeners to action, encouraging them to seek true transformation by aligning their habits with their values and focusing on stewardship of their bodies.➡️takeawaysTransformation starts from the inside out.True worship involves how we live and care for our bodies.Core values drive behaviors that shape results.Grind culture can lead to burnout and health sacrifices.Conforming to worldly patterns results in negative health outcomes.True transformation requires a commitment to internal health.Stewardship of the body is essential for fulfilling one's purpose.Values must align with daily behaviors for true change.Success is not just about external appearances but internal well-being.Real transformation is a journey that requires patience and dedication.Sound Bites"Values drive behaviors that shape results.""Don't conform to the patterns of this world.""What are your habits? What are your behaviors?""True transformation starts on the inside.""Transformation doesn't happen overnight.""Steward your body well, not idolization.""Success is different. So own your different."Chapters00:00Welcome and Introduction to Health Ownership02:07Understanding True Transformation05:55The Difference Between Transformation and Conformation10:08Core Values and Their Impact on Health12:33The Dangers of Grind Culture15:12The Consequences of Worldly Patterns18:03The Importance of Internal Health25:06The Process of True Transformation30:05Stewardship Over Idolization32:55The Call to Action for Transformation=========================== Subscribe and Listen to the Own It Show HERE: ➡︎ YouTube:https://www.youtube.com/@justinroethlingshoefer➡︎ Apple Podcasts:https://apple.co/3KCyN3j➡︎ Spotify: https://open.spotify.com/show/3F58Ez4lbIKQ6kMu2pfpIG =========================== Resources: ⚡️CHECK OUR PROGRAMS: https://ownitcoaching.com/programs/⚡️BOOK: https://thepowerofownershipbook.com/ =========================== Connect with Justin Roethlingshoefer on Social Media: ➡︎ linkedin.com/in/justin-roethlingshoefer➡︎https://www.instagram.com/justinroeth/?hl=en Own It Success is different so own your different!

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23It's easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn't come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement.Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their work. He is the author of An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rediscovering Purpose in RetirementWhat if retirement wasn't the end of something, but the beginning of something far greater?With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?”Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today's media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing.A Biblical Alternative: Eldership, Not EscapeThe Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn't “quitting”; it's wise delegation and reorientation.There's a three-part vision in light of this:Lay down past work identities.Embrace a season of rest, reflection, and renewal.Re-engage as elders—servants, mentors, leaders.The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates.A Path Forward: Rest and RenewalWe encourage retirees to start with rest, not for rest's sake, but to re-center and listen for God's leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life's transitions.It's recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God's direction.Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it.As Psalm 92:12–14 reminds us:“The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.”So what's next?Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet.It's time we shifted the retirement conversation from numbers to calling.Embrace an Uncommon RetirementIf you're ready to rethink retirement, pick up Jeff's book, An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life. And if you want to read Jeff's full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give.Because retirement isn't the end—it's the start of a new mission. Let's live it well.On Today's Program, Rob Answers Listener Questions:My husband and I own a trucking company, and we're downsizing. We sold one of our trucks and have approximately $80,000. I'm trying to figure out the best way to invest this money or whether it would be wiser to put it towards the debt on our other trucks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Episode 474 of 'Relentless Health Value', host Stacey Richter interviews Dr. Yashaswini Singh, an economist and assistant professor at Brown University, about the growing influence of private equity (PE) in healthcare.  The conversation delves into the corporate transformation of medicine, highlighting the potential misalignment between business interests and patient care. Dr. Singh discusses the diverse strategies PE firms use to drive profitability, such as increasing negotiated prices, consolidating market share, employing real estate leasebacks, and emphasizing performance metrics that may not align with patient benefits.  The episode also examines the significant impacts these strategies have on physicians, including increased turnover and changes in practice patterns, as well as the broader implications for patients and communities. Dr. Singh stresses the importance of informed leadership, education, policy enforcement, and transparency to ensure that private investments ultimately benefit healthcare systems without compromising patient care. === LINKS ===

Owner's Share Episode 21 Book 6 in the Trader's Tales From the Golden Age of the Solar Clipper series Ishmael runs into more problems with his Steward's Endorsement. Things look bad for one of the crew members. Chapters 48-49 of Owner's Share, the sixth book in the Trader's Tales From the Golden Age of the Solar Clipper series. Written, Narrated, and Produced by Nathan Lowell Distributed by Scribl To support the author, and for more quality ebooks and audiobooks without commercials, please visit scribl.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Harvey Blair's first professional goal gained Pompey a respectable point, as we start to look towards the summer. 06:40 - Hugh, Andy, and Freddie discuss the game against Sheffield Wednesday, the squad rotation, and how those players performed. 22:05 - We start to look at the squad for next season touching on Atkinson, Bramall, Steward, Dozzell and Blair. 48:50 - Hull preview with Hull fan and football writer for the Telegraph Kathryn Batte (@KathrynBatte) 1:24:40 - Abu Kamara and score predictions

Jonathan Movtady graduated from the University of Florida in 3 short years with a Bachelor of  Arts in Business Administration. He also studied International Business, while living abroad, at Universitat Autonoma de Barcelona.  After that, he earned a Juris Doctor at the University of Miami School of Law.   Shortly thereafter, Jonathan was admitted to the New York & New Jersey Bars in early 2011. Jonathan has been practicing Real Estate Law ever since.  ClAbout the Host:Christina Kremidas is a lifelong New Yorker who brings her extensive background in advertising to her successful real estate career in Manhattan. Her personal experience as a property investor and landlord in New York City gives her unique insight into her client's needs, while her negotiation expertise and market knowledge have quickly established her as a top-performing agent, ranking among the top 1.5% of licensed Agents in the United States for Sales Volume and among the Top 10 highest producing Small Teams at Douglas Elliman Real Estate. Beyond her professional achievements, Christina is deeply involved in the NYC community.  She is a founding Steward at St. Nicholas Greek Orthodox Church and National Shrine at the World Trade Center, where she serves on the Parish Council and leads social media, marketing, and young adult initiatives.Get in touch with Christina:Instagram: https://www.instagram.com/christina.kremidasTikTok: https://www.tiktok.com/@christina.kremidasCheck out my website: https://christinakremidas.com/Email me: Christina.Kremidas@elliman.comWhat Is Your Property Worth?: https://christinakremidas.com/home-valuationThe Virtual Agent Experience: https://christinakremidas.com/virtual-agentTimestamps 0:00 Jonathan Movtady Introduction5:49 What due diligence entails8:13 Analyzing building financials14:11 Key factors in building financial health and detecting warning signs21:11 Special considerations for new development buildings and litigation risks28:28 Consequences of inadequate due diligence and potential financial impact31:00 Christina's personal story of poor due diligence experience50:22 Sponsor ownership concerns and important questionnaire topics

Officers from the Cheshire Constabulary stood guard at the rear of a property on Hylton Court in Ellesmere Port. An ominous white tent had been erected covering a section of the garden at the bottom of a terraced house. Specialists congregated in the confined space of a brick outbuilding and methodically began chipping away at layers of cement covering a large object that seemed out of place. After hours of painstaking work, a tightly wrapped sheet of tarpaulin was revealed. Thick elastic circled the plastic, and the ends of the bungee cords hooked together, securing whatever or whoever was inside...*** LISTENER CAUTION IS ADVISED *** This episode was researched and written by Eileen Macfarlane.Edited by Joel Porter at Dot Dot Dot Productions.Script editing, additional writing, illustrations and production direction by Rosanna FittonNarration, additional audio editing, script editing, and production direction by Benjamin Fitton.To get early ad-free access, including Season 1, sign up for They Walk Among PLUS, available from Patreon or Apple Podcasts.More information and episode references can be found on our website https://theywalkamonguspodcast.comMUSIC: Down To The Wire by Rhythm Scott Road To Nowhere by Caleb Etheridge Asylum by Cody Martin Cain by Cody Martin Dark Night by Cody Martin Every Life Matters by Cody Martin Final Moments by Cody Martin Legend Of Eleven by Cody Martin Seeking Answers by Cody Martin Storms Coming by Cody Martin All That I Have by Moments Distances by Salon Dijon Allied by Wicked Cinema End of the Road by Wicked Cinema No Escape by Wicked Cinema Templar by Wicked Cinema The Last by Wild Wonder SOCIAL MEDIA: https://linktr.ee/TheyWalkAmongUsSupport this show http://supporter.acast.com/theywalkamongus. Hosted on Acast. See acast.com/privacy for more information.

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio.Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. What Is an ETF—and How Does It Differ from a Mutual Fund?Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions.ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes.Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It's also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider.While some ETFs are straightforward, others are complex. For example, oil futures ETFs don't always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions.Faith-Based Investing with PraxisHistorically, faith-based investing has centered around mutual funds. But that's changing. Praxis recently launched two ETFs designed with Christian values at their core:PRXG: Praxis Impact Large Cap Growth ETFPRXV: Praxis Impact Large Cap Value ETFThese funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement.For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It's vital to have Christians at the table asking not just what is possible, but what kind of future we want to create.If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don't compromise on financial performance.Learn MoreYou can explore Praxis's biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com.Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it's possible to steward God's resources with wisdom, impact, and integrity.On Today's Program, Rob Answers Listener Questions:Should I prioritize charity donations and extra mortgage payments or build up my emergency savings first?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazinePraxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Did God actually tell you to cut out carbs? Go keto? Or start the carnivore diet?

Learn how to grow and enjoy the fruit of the overlooked and forgotten medlar (Mespilus germanica) with Jane Steward, author of MEDLARS - Growing & Cooking (affiliate link), founder of Eastgate Larder in North Norfolk, UK (which is also part of the prestigious Plant Heritage National Collection), in this episode of the Orchard People Radio Show.ABOUTOrchard People, formerly known as the Urban Forestry Radio Show from germination in January 2016 until December 2023, has grown over the years, thanks to the collective knowledge and collaboration of the monthly guest experts, organizations, and community from around the world. The host of the Orchard People radio show and podcast is Susan Poizner of the fruit tree care education website www.orchardpeople.com.  HOW TO TUNE IN TO OUR PODCASTThe show airs on the last Tuesday of every month on RealityRadio101 at 1:00 PM ET!  While it's no longer live, you can still watch or listen anytime—and catch the recorded podcast anytime afterward. Video Podcast: Watch the recorded episode anytime on our YouTube Podcast Playlist.Audio Podcast: Download the podcast and listen on your favorite app after it airs.NEWSLETTERDo you want to learn to grow fruit trees successfully, organically and beyond?Sign up for OrchardPeople.com's FREE monthly newsletter at https://orchardpeople.com/sign-up/BOOKSSusan is the author of four books on fruit tree care.Learn more here: https://learn.orchardpeople.com/booksCOURSESSusan is also the creator of five-star rated premium online fruit tree care education at: https://learn.orchardpeople.comARTICLESFor more information on this topic, click on the links below: How to Prune Fruit Trees:https://orchardpeople.com/how-to-prune-and-train-fruit-trees/Fruit Tree Pests and Diseases:https://orchardpeople.com/protecting-fruit-trees-from-pests-and-diseases/How to Feed Fruit Trees:https://orchardpeople.com/how-to-feed-fruit-trees/The Best Fruit Trees to Grow:https://orchardpeople.com/best-fruit-trees-to-grow/How to Graft Fruit Trees:https://orchardpeople.com/how-to-graft-fruit-trees/These show notes may contain affiliate links to products. We may receive a small commission for purchases made through these links at no cost to you. Thanks for your support! (00:00) - Introduction and Confession (00:39) - Meet Jane Steward: Medlar Expert (02:00) - What Are Medlars? (03:03) - Growing Medlar Trees (08:07) - Medlar Tree Pests and Diseases (12:39) - Pruning Medlar Trees (21:23) - Medlar Tree Varieties and National Collection (23:09) - Ensuring the Survival of the Medlar (23:40) - Choosing and Identifying Cultivars (27:47) - Growing Conditions and Planting Tips (34:46) - Medlar in Gourmet Cuisine (39:37) - The Bletting Process (42:43) - Exploring the History of Medlar (45:40) - Wrapping Up and Final Thoughts

Episode Summary Is the traditional Silicon Valley startup model harming the security industry? In this episode of The Secure Developer, Danny Allan talks with Melanie Rieback, founder of Radically Open Security, about shaking up the industry with nonprofit business models. Tuning in, you'll learn about the inner workings of Radically Open Security as a non-profit organization and the positive impact its donations have had on the open source ecosystem.We discuss the benefits of a steward-ownership business model, why it pairs so well with open source, and its power to reform venture capital and align incentives with long-term sustainability. For those interested in diving deeper, Melanie shares resources from her startup incubator, Nonprofit Ventures, and her free online Post Growth Entrepreneurship course. Tune in to learn why reforming our business models is vital for preserving and protecting our open source ecosystem and, by extension, security! Show NotesIn this episode, Snyk CTO Danny Allan chats with Dr. Melanie Rieback, founder of Radically Open Security, about her journey from academia and pen testing to founding a cybersecurity company with a radically different business model. Melanie shares the motivations behind creating a not-for-profit organization that donates 90% of its profits to the NLnet Foundation, supporting open source and digital rights initiatives. They discuss the discontent with traditional cybersecurity business practices, including lack of transparency and ethical concerns like selling zero-days.Melanie explains Radically Open Security's structure, operating as a collective primarily using contractors, and how this model has allowed them to grow to 50 people while serving major clients and offering pro-bono work for nonprofits and critical open source projects like the Tor Project and Tails. The conversation then broadens to discuss alternative business models like steward ownership, where profit rights are separated from voting rights, aiming to lock value within the company and prevent mission drift often caused by traditional VC funding.They explore the concept of "Post Growth Entrepreneurship," which Melanie teaches, focusing on non-extractive business models and reforming finance itself. The discussion touches upon whether the tech industry, particularly open source, is moving towards more sustainable and ethical models, citing examples like Signal, Proton, Mastodon, and Mozilla. Melanie emphasizes that the culture of open source developers is often inherently altruistic, not greedy, but can be compromised by traditional funding systems. Finally, Melanie offers resources for listeners interested in learning more about these alternative models.LinksRadically Open SecurityRadically Open Security on LinkedInNLnet FoundationNonprofit VenturesPost Growth Entrepreneurship CourseSnyk - The Developer Security Company Follow UsOur WebsiteOur LinkedIn

What's the difference between a bank and a credit union? More than you might think.At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you'll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. A Different Kind of Financial InstitutionCredit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent.However, Christian Community Credit Union (CCCU) goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom.At Christian Community Credit Union (CCCU), they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments.Surprising Strength in Rates and ServicesMany people assume credit unions can't compete with traditional banks regarding rates, but that's a misconception. Because credit unions don't exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees.Here's a snapshot of Christian Community Credit Union's (CCCU) current offerings:Harvest High-Yield Checking: 4% APY on balances up to $5,000 with no maintenance feesHarvest High-Yield Savings: 5% APY on the first $5,000Welcome CD: 4.5%–4.75% APY on 5- and 10-month termsCash Back Credit Card: 1.5% cash back and a donation to Christian causes with every swipeCCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support.Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like FaithFi and Compass Financial Ministry to help our members grow in their financial discipleship.It's not just about managing money well—it's about managing money faithfully.Funding Ministry and Fueling the GospelOne of the most inspiring aspects of CCCU is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need.From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily.Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide.Becoming a Member is EasySo, how can you join?Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member.With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory.To learn more or become a member, visit joinchristiancommunity.com.On Today's Program, Rob Answers Listener Questions:I have a 401(k) at a place where I used to work about 15 years ago, at the University of North Chicago. It's about $15,000, and I have not been at that job for over 15 years. I want to know if it's a good idea to move it. Should I combine it with my current 401(k), or should I just leave it there?I have a stock in my portfolio that is losing between 40 and 47%. It has an F rating and is a large part of my portfolio. I want to sell it, but I want to know what to do with it after I sell it. I have it in Schwab, and I'm wondering if there's a better fund I could put it in since I have a lot sitting there.I'm contributing to an employer 457(b) plan. Those funds are going into a Roth plan, and I am contributing the maximum amount. I'm married and over 50. I'd like to know if I can also open a personal Roth IRA and a traditional Roth IRA.I would like to sell a piece of land, but I want to sell it to a developer, maybe someone who would be developing a spa, a hotel, or something similar. I want to know where I can go to access or look for developers who would be interested in purchasing my land.My husband and I didn't file taxes from 2016 to 2022, and sadly, he passed away recently. There are IRS notices with increased penalties and interest. Do I have to list the fact that there is a withholding on the IRS notices, even though I didn't have any income, and it was all his income?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this introductory episode, we announce the exciting transition from the Rich Living on Less podcast to the new Steward Lab podcast. Amberlee introduces her husband, James Rich, as they explore the concept of stewardship in various aspects of life, including finances, time management, parenting, relationships, and work. The revamped podcast will incorporate insights from thought leaders and will be available both as an audio podcast and on YouTube. New episodes will be released every Tuesday. Tune in to discover how to effectively steward God's resources in your daily life. 00:00 Welcome to the Steward Lab Podcast 00:25 Introducing Co-Host James Rich 00:48 Exploring the Concept of Stewardship 01:05 Topics Beyond Money 01:33 Living Out Christian Values 02:03 Exciting New Elements and Schedule 02:36 Stay Connected with Us

This week, Jeanette shares a Spirit-led roadmap for scaling your business to seven figures—without burning out your marriage, your mission, or your Sabbath. If you're chasing big goals but don't want to lose your peace or purpose along the way, this episode is your Kingdom-aligned guide. Scaling God's way means building from overflow, not overwhelm. These powerful mindset shifts and systems will help you grow your revenue and your rest—because seven figures is just the launchpad for legacy.

“A good man leaves an inheritance to his children's children…” - Proverbs 13:22That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with The National Christian Foundation (NCF), where she assists families nationwide with achieving their charitable gift-planning goals.What Is an Intentional Inheritance?An intentional inheritance is more than the distribution of wealth. It's a prayerful, purposeful plan for shaping the lives of those who will receive what we leave behind. Inheritance is one of the most significant stewardship decisions we make. It's not just about how much but how—and why—we give.This perspective calls for a deep shift. Before passing on wealth, we must first pass on wisdom. Otherwise, unmanaged or misunderstood wealth can do more harm than good.Start with Prayerful IntrospectionAsk yourself: What role does wealth play in my life? Reframe your mindset around money—not as a measure of success or security but as a tool for Kingdom work. Wealth is an entrustment from God, not an end in itself. That means laying it down at the cross daily, asking the Lord to help us steward it with humility and grace.Three Types of InheritanceTo simplify this big task, here are three kinds of inheritance every Christian family should consider:1. Inheritance to SpendThis is the traditional kind of inheritance—resources intended to provide opportunities, experiences, and essentials. Think of it as financial fuel to help your heirs live productive, content lives. But maturity matters. Consider using this inheritance to fund training, travel, or education before a large transfer, especially if the heir is still developing financial literacy or spiritual maturity.2. Inheritance to ShapeThis is where legacy comes to life. Instead of simply giving money, consider shaping character through shared experiences—like mission trips, retreats, or projects that reflect your family's values.3. Inheritance to ShareWe're blessed to be a blessing. Set aside a portion of your estate to fuel generosity in the next generation. This might include donor-advised funds, charitable trusts, or other giving vehicles your heirs can use to support ministries or causes close to their hearts. This is how we teach our children to reflect God's love through giving.Practical Steps to Craft an Intentional InheritanceHere are four foundational steps to take:1. Engage in Open DialogueTalk with your heirs about the purpose behind the inheritance. Focus less on how much and more on why. Share your values, your heart for the Kingdom, and how you hope the inheritance will be used to bless others. This conversation builds trust, understanding, and spiritual alignment.It's not about dollars and zeros; it's about attitude, opportunity, and calling.2. Work with Faith-Aligned AdvisorsChoose financial and legal professionals who share your biblical worldview. Whether you're working with an estate attorney or a financial planner, the right team will help ensure your legacy is stewarded with wisdom and integrity. That's why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.”3. Prepare Your HeirsDon't wait until the inheritance is distributed. Teach your heirs financial literacy and spiritual stewardship now. Let them stumble, learn, and grow while you're still here to mentor and encourage them.4. Use Strategic ToolsLeverage estate planning vehicles like wills, trusts, donor-advised funds, and charitable gift plans. These tools help ensure your assets are distributed in a way that promotes ongoing generosity and reflects your commitment to faithful living.Even well-meaning inheritances can lead to confusion, entitlement, or spiritual drift without intentional planning. But with prayer, purpose, and preparation, your legacy can be a launching pad for generations of Kingdom impact.Want to learn more?Explore practical tools and gospel-centered resources at NCFgiving.com to help you build a legacy of generosity and faith. To read Jeanne's full article, “Intentional Inheritance: Crafting a Faithful Legacy for Future Generations,” become a FaithFi Partner with a monthly gift of $35 or an annual gift of $400 at FaithFi.com/give.On Today's Program, Rob Answers Listener Questions:I'm nervous about retiring in the next year and a half. I have a 457 retirement account with the state of Ohio, and I'm worried about the current economy. Should I move all my investments into stable value to protect what I've got while the economy is in flux?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Experiencing God: Knowing and Doing the Will of God by Henry Blackaby, Richard Blackaby, and Claude V. KingWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn't the end of the story—it's the turning point. It's the day God's grace was poured out most fully and most freely.Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn't just die for us—He died instead of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn't just a wooden beam but the full weight of our guilt and rebellion.And yet, it was love—not nails—that held Him there.The Financial Language of RedemptionHere on Faith & Finance, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation.“The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” - Romans 6:23“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.” - Mark 10:45“You were bought with a price. So glorify God in your body.” - 1 Corinthians 6:20These verses paint a clear picture: our sin incurred a debt that only Jesus could pay.Tetelestai: It Is FinishedIn John 19:30, as Jesus gave up His spirit, He cried out, “It is finished.” The Greek word He used—tetelestai—was more than a declaration of His suffering ending. It was a victory cry.In the ancient world, tetelestai was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant's report that a task had been completed.So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn't come to make a down payment on our salvation. He didn't cover part of the cost and leave the rest up to us. He paid it all.That means you and I no longer live in spiritual deficit. We live in the overflow of God's grace. There's no more striving to earn God's favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to gain life, but because in Christ, we've already found it.Why Good Friday Is Truly GoodGood Friday is good not because it was easy but because it was enough.At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace.So, as we reflect today, may we hear His final words echo in our hearts—It is finished. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us.From Financial Fear to Freedom in ChristIf this message resonates with you, we invite you to explore Look at the Sparrows, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God's grace free us from worry and invite us to trust fully in His provision.On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom.On Today's Program, Rob Answers Listener Questions:I want to send money to my three cousins in Europe who are in a difficult economic situation. Can I get a tax deduction for gifting them money?I need guidance on being a good steward and managing my giving to various churches and outreaches.I'm receiving a modest inheritance and want to give about $30,000 to one of my siblings. I'm also planning to give $10,000 to my son for a wedding gift. I'd like to know how to handle these gifts from a tax perspective and if I need to split the gifts over two years.I want to know how to start on a debt-free journey and what steps I should take to stay on that path.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot.Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. Building a Life of Faithful Stewardship from the StartFinances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That's why it's critical to lay a foundation not just of financial literacy but of biblical stewardship. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning.1. Begin With a Plan—And a BudgetWithout a clear plan for spending, saving, and giving, it's easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you.And you don't have to do it alone. Tools like the FaithFi app make creating an intentional, faith-filled budget easy. It's not just about numbers—it's about aligning your finances with your values.2. Save for Emergencies—And Stay Out of DebtAfter budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits.Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can.3. Learn from Others—and Find a MentorThere's no substitute for wise counsel. Watch those who are succeeding with money—and those who aren't. Learn from both.Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save.4. Give Generously—Even When It's HardStart giving now. Like Randy Alcorn says, “God prospers us not to raise our standard of living, but our standard of giving.” Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider.5. Start Investing Early—and ConsistentlyCompound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time.Start with low-cost index funds or retirement accounts like a Roth IRA. And don't overlook your workplace benefits. If your employer offers a match, take it. That's free money.6. Align Your Investments with Your FaithToday's investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles.7. Embrace Rhythms and Celebrate MilestonesThe journey to financial stability can feel long, especially when progress is slow. That's why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We're not meant to live like monks but are called to be wise.These rhythms of budgeting, saving, investing, and giving aren't just habits—they're acts of worship.8. Talk About Money—Especially in MarriageMoney fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often.Being on the same page financially brings unity and builds trust. It's also a way of inviting God into your relationship in a very practical, day-to-day way.9. Grow in Wisdom—And Keep LearningStaying in God's Word and learning from wise voices is crucial. Some books that we recommend to help you discern what the Bible really says about wealth and generosity are:Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy AlcornStart StrongTo the student, recent graduate, or young couple just starting out: the best time to build wise financial habits is now. Begin with a plan. Learn from mentors. Avoid debt. Save for emergencies. Give generously. Invest consistently. Talk honestly. And let Scripture shape how you think about money.After all, financial wisdom isn't just about building wealth—it's about building a life that reflects the heart of God.On Today's Program, Rob Answers Listener Questions:I'm 70 years old and have $112,000 in my checking account. I'm about to retire and unsure what to do with this money. Should I pay off my $110,000 mortgage or use the funds for home repairs and a new car?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineCrossmark Global InvestmentsMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornThe Treasure Principle: Unlocking the Secret of Joyful Giving by Randy AlcornWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.