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What happens when we stop drifting financially and start stewarding intentionally? When God’s purposes shape our financial decisions, money takes its rightful place—not as a source of identity or security, but as a tool that brings clarity, freedom, and faithful living. That conviction is at the heart of our conversation today with Brian Holtz, CEO of Compass Financial Ministry, about an upcoming gathering designed to help believers live it out in practical ways. Why Purpose Matters When It Comes to MoneyBrian explains that the idea for the conference begins with a familiar phrase: money is just a tool. While that’s true, tools are always created with intention. A hammer isn’t good or bad—but it’s designed for a specific purpose. When we don’t understand what money is for, we risk using it indiscriminately, assuming every financial decision is wise simply because it seems practical. Scripture calls us to something better: stewardship shaped by God’s design. When we understand His purposes for money, our decisions become clearer—and our faithfulness more intentional. Introducing Money on PurposeThat’s the vision behind Money on Purpose, Compass Financial Ministry’s global conference happening February 26–28, 2026, in Orlando. Over three days, attendees will experience: Christ-centered worship Teaching rooted in Scripture Fellowship with believers seeking to steward God’s resources faithfully Each keynote explores a specific purpose of money through a biblical story or character from both the Old and New Testaments, followed by workshops focused on real-life application. One of Compass's strengths has always been its ability to make biblical stewardship accessible, regardless of where someone is on their financial journey. This conference reflects that same heart. Whether you’re a young adult seeking guidance, a parent shaping financial values at home, or a church leader looking to integrate stewardship into discipleship, Money on Purpose is designed to meet you where you are. Workshop topics range from biblically grounded investing to navigating economic uncertainty—all anchored in God’s Word. What often surprises attendees most, Brian notes, is how comprehensively Scripture speaks to modern financial questions. When people realize their real concerns are addressed in God’s Word, something shifts. Just as powerful is the community. Being surrounded by like-minded believers moves the experience beyond information toward transformation. People leave not only knowing what to do, but encouraged, supported, and eager to see God work through their obedience. What Participants Walk Away WithCompass’s mission is simple but profound: to help people grow closer to Jesus, live free to serve Him, and help fund the Great Commission. Those who attend Money on Purpose leave with: A clearer understanding of God’s financial principles A practical plan to live them out A community of believers committed to walking together That’s what purposeful stewardship is ultimately about. When we handle money on purpose—God’s purpose—we discover greater freedom, direction, and joy in stewarding what belongs to Him. To learn more or register for the Money on Purpose conference, visit CompassFinancialMinistry.org, where you’ll find full details on sessions, workshops, and the event schedule. On Today’s Program, Rob Answers Listener Questions:My husband and I are debt-free and saving for retirement through a mix of Roth and traditional accounts. I’m a state employee with deferred compensation options. A friend is urging us to buy a whole life insurance policy as an investment. Is that a wise choice, or could we be getting bad advice? I’m calling on behalf of a friend in Colorado who needs cash flow and has equity in her home. She’s single and a senior, and I thought a reverse mortgage might help—but she says it’s not an option. Are reverse mortgage rules different by state or age, and who could help her explore this? I’m retired military and run a side business that earns over $100,000 a year. I live on about half, and I’m doing well. I’m considering paying off my home and possibly buying a second one. How do I know when enjoying what I have crosses into greed rather than faithful stewardship? Once I pay off a credit card, should I keep it open or close it to protect my credit score? And if it has an annual fee, what’s the best way to handle that? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Compass Financial Ministry Your Money Counts: Money on Purpose Conference 2026 Movement Mortgage Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Banking isn’t usually the first place we think about living out our faith. Yet for many believers, where we bank is becoming an important part of faithful stewardship. Financial institutions don’t just hold our money—they decide how it’s used, invested, and leveraged for impact. That’s why faith-based banking is gaining attention. It offers Christians an opportunity to align everyday financial decisions with deeper convictions about money, integrity, and service. Today, we sat down with Aaron Caid, Chief Marketing Officer at Christian Community Credit Union (CCCU) and AdelFi, to talk about why believers may want to reconsider where they bank—and what truly matters when evaluating a financial institution. Start With the Basics: Stewardship Still Requires ExcellenceBefore talking about faith alignment, there’s a practical reality we can’t ignore: a bank still needs to do its job well. Good stewardship requires systems that are secure, efficient, and reliable. Strong digital tools, responsive customer service, and clear processes aren’t luxuries—they’re necessities. A banking partner should simplify your financial life, not complicate it with friction, confusion, or outdated technology. In other words, expecting excellence from your bank isn’t selfish. It’s wise. Once the basics are covered, a deeper question emerges: Does this institution share your values? Every bank makes decisions about how money is used and where it’s invested. Those choices reflect a worldview—whether explicit or not. Faith-aligned banking starts from a biblical understanding of stewardship, integrity, and service, recognizing that money is a tool entrusted by God, not an end in itself. Where we bank, then, quietly reflects what we believe about the purpose of money. Faith That Shows Up in ActionOne of the distinctives of organizations like Christian Community Credit Union (CCCU) and AdelFi is that faith doesn’t remain a mission statement—it’s lived out through tangible generosity. Collectively, these organizations have more than 125 years of supporting Christian ministries, missionaries, church-planting efforts, and disaster relief. Together, they’ve given millions of dollars toward Christ-centered work around the world. Their impact goes beyond large-scale initiatives. Recent efforts include: Supporting financial discipleship resources for married couples, addressing one of the leading contributors to marital stress and divorce. Partnering with members to contribute over $10,000 to Operation Christmas Child, serving children in need, and sharing the love of Christ. Investing earnings back into members through better rates and lower fees—while also tithing corporately to support gospel work. This is what it looks like when banking becomes a shared mission rather than a purely transactional relationship. Red Flags That May Signal It’s Time to Reconsider Your BankRegardless of where you bank today, there are warning signs that may indicate your institution isn’t serving you—or your values—well: Unclear or high fees that quietly erode your savings Outdated technology that complicates everyday money management Poor access to real people when problems arise Business practices or investments that conflict with your Christian convictions Feeling like a number, rather than a valued customer These issues don’t just affect convenience—they affect stewardship. What the AdelFi Transition Means for MembersWith the merger of Christian Community Credit Union and AdelFi, members are already seeing expanded services, greater reach, and enhanced capabilities. The combined organization will soon operate under the AdelFi Christian Banking brand, positioning it as the largest Christian banking solution of its kind. The goal is simple: better serve individuals, families, churches, ministries, and Christian-owned businesses—while amplifying Kingdom impact. When financial services function well and align with your faith, your money can serve both your everyday needs and God’s Kingdom purposes. As a special opportunity for Faith & Finance listeners, you can earn up to a $400 bonus when opening a qualifying high-yield checking or savings account—or a Visa cash back card. Visit FaithFi.com/Banking and enter code “FAITHFI” to learn more. On Today’s Program, Rob Answers Listener Questions:I’ve heard that Social Security limits how much you can have in savings—$2,000 for singles and $3,000 for couples—or you could lose benefits. Is that true? I’m 66 and will soon qualify for full Social Security, but I plan to keep working. I have about $45,000 in savings and am hesitant to invest it in the stock market given current market conditions. What should I do with that money? I want to honor God through generosity, but I give so much that my account sometimes goes negative. I still want to help people in need, but I know I need more wisdom and self-control. How can I balance generosity with saving, and are there any resources you’d recommend? I’ve set up my will and want to leave one-time gifts to several organizations. The funds are in my 401(k), and I plan to retire in 2027. Is it better to give while I’m alive or wait until after I die—especially from a tax standpoint and for my son? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Community Credit Union (CCCU) | AdelFi National Christian Foundation (NCF) Sound Mind Investing (SMI) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Scripture reminds us that wisdom often begins with counting the cost. As the average age of a first-time homebuyer approaches 40, many people are asking an important and sincere question: Is now the right time to buy a home—or should we continue renting? That question usually reflects a desire to make a wise, lasting decision—one that supports long-term stability rather than undermining it. Before comparing monthly payments or imagining life in a new space, it’s worth taking a clear-eyed look at what it truly costs to move from renting into homeownership. The Upfront Costs Many First-Time Buyers MissOne of the biggest surprises for first-time buyers is the sheer cost of getting into a home. The pre-approval and closing process involves numerous expenses, including appraisals, inspections, credit reports, earnest money, title searches, loan origination fees, and closing costs. Taken together, these can add up to thousands of dollars before move-in day ever arrives. For renters transitioning to homeownership, these costs are typically paid out of pocket. That’s one reason many advisors encourage having close to 20% of the purchase price available—not only for a down payment, but to create margin for the entire process. This isn’t about delaying dreams unnecessarily; it’s about ensuring homeownership doesn’t begin with financial strain. Many renters feel a growing weariness with paying rent month after month, especially compared with building equity. That desire for something tangible and lasting is understandable—but it’s important to remember that rent is not wasted money. Rent pays for shelter, safety, maintenance, and predictability. It meets a real and ongoing need and, in that sense, pays for a valuable service. During certain seasons of life, that flexibility and stability can be a wise and intentional choice. Understanding What a Mortgage Really IncludesIt’s also helpful to understand how a mortgage payment actually works. A typical payment includes principal, interest, property taxes, homeowner’s insurance, and often private mortgage insurance if you own less than 20% of the home’s value. In some cases, HOA fees are also added. In the early years of a traditional 30-year mortgage, a significant portion of each payment goes toward interest rather than reducing the loan balance. Thirty-year mortgages can still be wise—they keep payments manageable and allow flexibility if you want to make extra principal payments—but they are designed to be long-term loans. Early equity growth often comes more from market appreciation than from paying down the balance. Rising home prices can create fear about waiting too long, pushing buyers to act before they’re ready. While market trends are worth paying attention to, they shouldn’t be the deciding factor. A home should fit your current season of life and support your responsibilities and priorities—not stretch your finances or limit your ability to live and give faithfully. It also helps to release the pressure of finding a “forever home.” On average, first-time buyers stay in their homes seven to ten years. Career changes, growing families, and life transitions often make moving a natural part of the journey. The first home simply needs to perform well in the current season. Rising Costs Don’t Disappear with OwnershipRising rents are another common frustration, especially when lease renewals result in higher monthly costs. But owning a home doesn’t eliminate rising expenses. While a fixed-rate mortgage keeps principal and interest steady, property taxes and homeowner’s insurance typically increase over time. Even after a mortgage is paid off, those costs remain. Maintenance is another reality worth considering. Once you own a home, repairs are your responsibility—roofs, plumbing, electrical systems, and heating or cooling issues can bring unexpected expenses. While insurance offers protection, deductibles and coverage limits often mean high out-of-pocket costs, and filing claims may lead to higher premiums later. Renting, by contrast, offers predictability. Repairs are the landlord's responsibility, which can provide stability during periods of debt reduction or saving. The phrase house poor exists for a reason. Buying before you’re ready can strain budgets, limit generosity, and leave you feeling trapped rather than thankful. While homeownership can be a blessing, it’s not a measure of faithfulness—and it isn’t right for every situation. Sometimes, the wisest choice is to continue renting, patiently preparing for what comes next, and trusting that God’s timing is often kinder than our urgency. On Today’s Program, Rob Answers Listener Questions:I’d like to understand what an irrevocable trust is and how it works. I have $30,000 I’d like to invest outside of real estate. I won’t need the money for about 10 years. Where would you recommend investing it? I took out high-interest loans to pay for my wife’s dental work, but my hours have since been cut, and I’ve drained my savings. Is there a way to consolidate this into one lower-interest loan so my payments actually reduce the balance? About 25 years ago, I filed for bankruptcy for around $3,500 when I was struggling financially. I’m in a better place now and receive my ex-husband’s Social Security. Is there any way—or reason—to repay that old debt? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) List of Faith-Based Investment Funds Christian Community Credit Union (CCCU) | AdelFi SoFi | Marcus | LightStream | Bankrate | NerdWallet Charles Schwab Intelligent Portfolios | Fidelity Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Counterfeits are dangerous precisely because they look convincing. The same is true of spiritual sayings that sound biblical but quietly distort how we think about God, stewardship, and money. Many believers can quote phrases that feel deeply spiritual—comforting even—but when placed under the light of Scripture, they don’t actually appear there at all. Or worse, they twist what Scripture truly says. These “counterfeit verses” often shape how we view success, risk, provision, and dependence on God without us even realizing it. To explore this issue, we sat down with Taylor Standridge, Production Manager of FaithFi and a regular contributor to Faithful Steward. Taylor is also the lead writer behind Look at the Sparrows and Our Ultimate Treasure.  In his recent article, Counterfeit Verses: How to Spot The Sayings That Aren’t in the Bible, Taylor traces this problem all the way back to the beginning. “Did God Really Say?”—The First CounterfeitTaylor begins in Genesis 3, when the serpent approaches Eve with a deceptively subtle question: “Did God really say…?” (Genesis 3:1). This moment is critical because the enemy doesn’t begin with an outright lie. Instead, he distorts what God has said and, in doing so, undermines God’s character. The implication isn’t merely that the command is questionable—but that God Himself may be withholding something good. Once Adam and Eve doubt God’s goodness, disobedience follows naturally. That same pattern persists today. Many modern financial lies—whether cultural narratives or counterfeit verses—aren’t blatant falsehoods. They’re half-truths. They sound wise. They feel spiritual. And because they’re close enough to the truth, they feel safe. Like a ship that veers off course by only one degree, the deviation seems harmless at first. But over time, it leads somewhere very different from what was intended. At the heart of every counterfeit is the same ancient question: Can God really be trusted? Counterfeit verses don’t come with warning labels. They borrow biblical language, appeal to our emotions, and speak to real desires—hope, comfort, identity, and security. Sometimes they even quote Scripture, but rip it out of context. The danger isn’t familiarity with Scripture—it’s fragmented familiarity. When we know verses as slogans rather than as part of God’s larger story, we become vulnerable to subtle distortions. The goal, however, isn’t suspicion or cynicism. It’s discernment—learning to recognize when a truth has been nudged just slightly off course. Studying the Real Thing: A Lesson from Counterfeit CurrencyTaylor uses a powerful illustration from the film Catch Me If You Can. Frank Abagnale Jr. succeeds as a forger not by inventing fake money from scratch, but by studying the real thing in obsessive detail—down to the ink, paper, and watermarks. Ironically, that expertise later makes him invaluable to the FBI. Banks don’t train tellers by showing them every possible fake. They train them by handing them genuine currency until authenticity becomes instinctive. The same is true of Scripture. Discernment doesn’t come from memorizing every error—it comes from knowing God’s Word so deeply that when something sounds “almost right,” you can feel that it isn’t. Common Counterfeit Verses That Shape Our View of Money“Money is the Root of All Evil” This misquote radically reshapes our theology of money. If money itself is evil, then wealth becomes suspicious, and stewardship feels compromising. But Scripture says something far more searching: “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). The issue isn’t possession—it’s devotion. Scripture doesn’t demonize money; it disciples our hearts. “God Helps Those Who Help Themselves” This phrase flips the gospel upside down. It places self-sufficiency at the center and turns God into a backup plan. Biblically, grace always comes first. God meets us in our need, not our strength. Stewardship, then, isn’t self-rescue—it’s dependence. Jesus says it plainly: “Apart from me you can do nothing” (John 15:5). “God Won’t Give You More Than You Can Handle” This saying sounds comforting, but it places the burden of endurance squarely on our shoulders. Paul tells a different story: “We were so utterly burdened beyond our strength… so that we would not rely on ourselves but on God” (2 Corinthians 1:8–9). God often allows what we cannot handle so that we learn to rely on Him. “Let Go and Let God” This phrase requires nuance. Scripture does call us to trust—but never to passive disengagement. Faith and obedience always move together. Noah builds. Abraham goes. Ruth works. Grace empowers action; it doesn’t replace it. As J. I. Packer once said, the Christian motto isn’t “Let go and let God,” but “Trust God and get going.” Growing in Discernment Without FearDiscernment begins with familiarity. Counterfeits thrive when Scripture is reduced to slogans. But when we immerse ourselves in the full story of God’s Word, we learn to recognize the Shepherd’s voice (John 10:4). Community matters too. God designed us to learn truth together—through teaching, correction, and shared wisdom. The goal isn’t paranoia. It’s confidence. We don’t spend our lives studying counterfeits—we anchor ourselves in truth, trusting the Spirit of God to alert us when something isn’t from Him. If we want to steward money wisely, we must first steward God’s truth faithfully. Because when we know what God has truly said, we’re finally free to live—and steward—with clarity, confidence, and trust. ——————————————————————————————————————— Taylor Standridge’s article “Counterfeit Verses: How to Spot The Sayings That Aren’t in the Bible” appears in the latest issue of Faithful Steward, our quarterly magazine for FaithFi Partners. To receive your copy and enjoy additional partner benefits, visit FaithFi.com/Partner. On Today’s Program, Rob Answers Listener Questions:I’m considering a reverse mortgage for retirement. My home is worth about $370,000, and I owe $104,000 at 3.5%. How do reverse mortgages work? Would this help me in retirement, and what kind of interest rate should I expect compared to my current loan? I’ve been offered an investment where $10,000 could return 250%. I know the person personally, and there’s paperwork and an attorney involved, but how can I properly vet this to be sure it’s legitimate—especially since it involves real estate? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Counterfeit Verses: How to Spot The Sayings That Aren’t in the Bible (Article by Taylor Standridge in Issue 4 of Faithful Steward Magazine) Movement Mortgage Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss. It’s true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other’s values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it. Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several other books with him, revealing impactful truths about relationships at home and in the workplace. A Lesson Learned Over DinnerShaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal. It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could communicate more effectively and honor each other's perspectives. The Root of Money Conflicts in MarriageFinancial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff’s national study, they found that: 67% of couples in financial conflicts believe their perspective is the logical one. Couples often perceive their spouse’s spending habits as irrational simply because they prioritize different things. For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values. The Power of CommunicationThe solution to money conflicts isn’t just budgeting or financial planning; it’s communication. It’s crucial that couples discuss not just what they want to spend money on, but why it matters to them. By having open and honest conversations about financial priorities, couples can: Build mutual understanding and trust. Find compromises that respect both perspectives. Create a financial plan that aligns with their shared goals and values. While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management. Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage. At the heart of every financial decision in marriage lies an opportunity to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other’s values, couples can turn money from a source of conflict into an instrument of peace and purpose. ————————————————————————————————Shaunti Feldhahn’s full article, “Money in Marriage: It’s a Matter of Value,” appears in the 1st issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you’ll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more. On Today’s Program, Rob Answers Listener Questions:My husband and I sold a property, paid off all our debt except our mortgage, and I’m rebuilding my savings after a $14,000 home project. Once my savings are fully restored, should I start investing? And if so, should I invest all of it or just a portion? I’d be looking at about $112,000, but I’m cautious and not experienced with investing. Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff Feldhahn Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The holidays are behind us; you know what that means—it’s tax season! But before you start gathering your W-2s and receipts, there’s an important question: Do you know who will prepare your taxes this year? With a nationwide shortage of Certified Public Accountants (CPAs) and tax professionals, waiting too long to find a preparer could leave you scrambling—and vulnerable to scams. Here’s how to protect yourself and find a trusted tax preparer. Who Can Prepare Your Taxes?When hiring a tax professional, your preparer will likely fall into one of three categories: Certified Public Accountant (CPA): These professionals undergo rigorous education, exams, and licensing requirements. Many specialize in tax preparation and can also provide broader financial guidance. Enrolled Agent (EA): Licensed by the IRS, EAs are tax experts who can prepare and file returns, represent clients before the IRS, and provide tax planning services. Tax Attorney: These legal professionals specialize in tax law and are particularly useful for complex tax situations, audits, or disputes. Each of these professionals is highly qualified—but the problem is there aren’t enough of them. There is a growing shortage of CPAs and tax professionals, largely due to fewer young people entering the field. One of the major "Big Four" firms, KPMG, continues to offer high school students internships at $22 an hour to encourage them to become CPAs. What does this mean for you? Longer wait times to book a tax preparer Higher fees due to increased demand Greater risk of falling into the hands of fraudulent preparers When people are desperate to file their returns, they can become easy targets for scammers who fake credentials or engage in tax fraud. How to Avoid Tax Scams and Find a Qualified PreparerTo protect yourself, follow these IRS-recommended steps when choosing a tax preparer: 1. Choose a Year-Round Tax Preparer A reputable preparer should be available year-round. You don’t want your tax preparer to disappear if you get audited. 2. Verify Their IRS Credentials Ask for the IRS Preparer Tax Identification Number (PTIN). All paid tax return preparers must register with the IRS and enter their PTIN on every return they file. Check their status using the IRS Directory of Federal Tax Return Preparers at IRS.gov. 3. Look for Professional Credentials Ask if the preparer holds a credential such as: CPA (Check with the State Board of Accountancy) Enrolled Agent (Verify at IRS.gov under "Verify Enrolled Agent Status") Tax Attorney (Confirm with their State Bar Association) Additionally, inquire about continuing education, as tax laws change frequently; professionals should stay current. 4. Be Cautious About Fees Beware of tax preparers who: Charge fees based on a percentage of your refund Claim they can get you a larger refund than competitors A legitimate preparer should charge a flat or hourly rate based on the complexity of your return. 5. Verify IRS E-File Capability Most tax preparers handling more than 10 clients must file electronically. If your preparer refuses to e-file, that’s a red flag. 6. Ensure Proper Documentation A trustworthy tax preparer will ask for the following: Your W-2 and 1099 forms (not just a pay stub) Records of deductions and credits If a preparer doesn’t ask for supporting documents, walk away. The IRS requires proper documentation to verify your return. 7. Understand Representation Rules Only CPAs, Enrolled Agents, and tax attorneys can represent you before the IRS if you're audited. Non-credentialed tax preparers—including your math-savvy cousin Bill—cannot represent you in an audit. 8. Never Sign a Blank or Incomplete Tax Return Please review your return carefully before signing. Ensure all information is accurate, and ask questions if anything appears incorrect. 9. Your Refund Should Go to You—Not the Preparer Check the routing and account number on your tax return to ensure your refund is deposited into your own account, not your preparer’s. Looking for a Faith-Based Financial Professional?If you want to work with a tax professional who aligns with biblical financial principles, consider finding a CPA, Enrolled Agent, or tax attorney with the Certified Kingdom Advisor (CKA®) designation. To find a trusted, faith-based tax professional, visit FindaCKA.com.  With tax season here, choosing a reputable, qualified tax preparer is more important than ever. Don’t wait until the last minute—start your search today to avoid scams and ensure your taxes are filed accurately and ethically. On Today’s Program, Rob Answers Listener Questions:I have long-term care insurance and want to know if it covers assisted living, and for how long. Also, how expensive are these policies—what’s the range? I’m 45 and looking to buy a house with a 30-year mortgage. Is that a wise move since I’d be nearing retirement by the time it’s paid off? I’m remodeling our bathroom for my husband, who has Parkinson’s, and it will cost about $25,000–$30,000. Is it better to take the money from my 401(k) or from equity in our paid-off home? My husband is retired, and when he tries to claim disability, they tell him he can’t because of my income since we file jointly. Should we be filing separately? My mom may receive a settlement of around $300,000 after my dad passed. She wants to save some for the grandchildren. How will that affect taxes, insurance, and Medicare, since her income would change? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values. Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing. From Idea to Movement: The Story Behind Timothy PlanBefore ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing. “Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?’ And the answer is simple—none.” The motivation wasn’t merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us? Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God’s resources rather than treat them as their own. What’s Driving the Momentum Today?While conviction hasn’t changed, the landscape around investing has. Mumbert points to one factor in particular: information. “When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate. That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative? With more options now available—across asset classes and risk profiles—momentum continues to build. ETFs Explained: Why They’re Attracting Faith-Based InvestorsAmong the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation: “ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.” Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages: Lower average costs Passive, rules-based strategies Real-time liquidity Full disclosure of holdings Ease of access across platforms And most importantly for Faith-Based Investing, greater transparency reinforces values alignment. What Sets Timothy Plan’s ETFs Apart?While the vehicle may be new, the convictions behind Timothy Plan’s offerings remain unchanged. “Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven’t changed—just the investment vehicle.” Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company exposure, helping reduce the impact of major market corrections. A Growing Opportunity for Purpose-Driven InvestorsThe rise of ETFs represents more than access—it represents maturation within Faith-Based Investing. With stronger tools, better research, and expanding product sets, Christians now have more opportunities than ever to align their portfolios with their values. For Mumbert, that alignment is not merely practical; it’s an expression of stewardship. “It’s really about how God would have us invest the money He’s entrusted to us.” As the ecosystem grows, so does the hope that more investors will embrace that vision—not out of obligation, but out of conviction shaped by faith. If you're exploring how to bring greater alignment between your financial decisions and your values as a follower of Christ, Faith-Based Investing continues to expand with new tools, new research, and more accessible investment vehicles.  To learn more about faith-aligned investment strategies, visit TimothyPlan.com to explore their ETFs, mutual funds, and educational resources. On Today’s Program, Rob Answers Listener Questions:I’m 60 and living off mutual funds with no income. My expenses are about $2,024 a month, so my savings will run out in about two years. I have health challenges and can’t work, and Social Security Disability hasn’t been approved yet. I’m looking for affordable housing options and Medicare/health insurance solutions. My wife passed away recently, and she handled all our finances. I haven’t paid bills in 25 years and don’t have a budget. I’m closing some credit cards, but I’m not sure what to do next or where to turn for help. I’m 66 and considering paying off my mortgage. We can afford the payments, but I could pay them off using less than 10% of my 401(k). Should I do that, or just keep making monthly payments? We can’t qualify for Chapter 7 bankruptcy, and we’re being sued for a loan tied to a vehicle that died. I’m not sure whether Chapter 13 or debt consolidation makes more sense once you factor in legal fees and total cost. Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Timothy Plan Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many Americans are wondering whether the housing market has finally begun turning a corner—or if uncertainty is still here to stay. After years of elevated mortgage rates, stubbornly low inventory, and affordability concerns, the question feels more relevant than ever. Today, mortgage expert Dale Vermillion, author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home, joined the show to weigh in on what the 2026 housing landscape may look like and how today’s buyers and sellers can navigate it with wisdom. A More “Normal” Market ReturnsAccording to Vermillion, the extreme swings of recent years may finally be behind us. “It isn’t the market of 2020–2021 when rates were in the twos, threes, and fours,” Vermillion explains. “But it’s also certainly not 2008. This is a very normal market.” He noted that although many think of today’s mortgage rates as high, they are actually below the 30-year average. Inventory is rising, sales are stabilizing, and government attention on housing has increased. Together, these factors point toward a gradual shift into a buyer’s market—a welcome change for those who’ve spent the last few years watching listings disappear before they could schedule a tour. A common frustration remains: if rates have risen, why haven’t prices fallen faster? The answer is complex. While price increases largely flattened this year (+0.7%), Vermillion notes that the market remains regional rather than national. Certain areas have softened, but not enough to drive a nationwide price reset. A major reason: the “lock-in effect.” Millions of homeowners refinanced below 3% in 2020–21 and weren’t willing to trade those rates for a higher one. But as Vermillion observes, that dynamic is fading. For the first time in years, more loans now exist above 6% than below 3%, allowing inventory to loosen. Why Fed Rate Cuts Don’t Equal Lower Mortgage RatesEven though the Federal Reserve has been cutting rates, mortgage rates haven’t always followed. That’s because mortgage rates are tied more closely to the bond market, inflation data, and job reports—not directly to the Fed’s benchmark rate. Another overlooked factor: mortgage-backed securities (MBS). When the government increases MBS purchases, mortgage rates often decline more reliably than when the Fed cuts consumer rates. The emotional side of the housing market can’t be ignored. The bidding wars of 2020–21 left many would-be buyers discouraged. But Vermillion believes attitudes are shifting: “Inventory is up from roughly 450,000 units nationally early last year to over a million now. So from a buyer standpoint, it’s time to be encouraged again.” With more sellers re-entering the market, buyers have choice again—and choice increases leverage. Vermillion stressed that affordability challenges today are driven as much by property taxes and insurance costs as by mortgage rates. Homeowners in several states have seen insurance premiums and assessments climb dramatically—sometimes outpacing wage growth. For aspiring first-time buyers, budgeting remains the first step. Vermillion’s advice: determine what you can afford before visiting a lender, rather than letting a lender tell you what qualifies on paper. For First-Time Buyers: Get Pre-Approved, Not Pre-QualifiedA true pre-approval involves: A full application Credit check Income verification Documentation of debts and assets This makes offers more competitive and prevents buyers from shopping at unrealistic price points. During the pandemic boom, paying $20,000–$50,000 above asking price became the norm in many markets. Vermillion notes that this period has largely ended: “Homes today are selling around 94–97% of the listing price in most areas. We’re not seeing bidding wars like before.” For buyers, that’s stabilizing. For sellers, it simply resets expectations toward reality. Move-Up Buyers: Timing May Be Better Than You ThinkFor homeowners considering a move—whether for space, schools, or lifestyle—Vermillion’s advice mirrors that given to first-time buyers: set a realistic budget and lean on wise counsel. Sellers should also invest in preparing their homes to show well, as presentation still drives both speed and price. Vermillion believes 2026 may be a strategic window: “I think this is the year to do it. Rates may come down a little more, but not dramatically. Buyers and sellers who plan well and manage expectations can succeed in this environment.” From a stewardship standpoint, the takeaway is simple: markets change, rates fluctuate, and headlines swing. But Christians are invited to place their confidence not in economic cycles but in the Lord, “who establishes our steps” (Proverbs 16:9). A wise plan, a realistic budget, and sound counsel can go a long way—especially in a year where the housing market is finally beginning to level out. On Today’s Program, Rob Answers Listener Questions:I’m looking for a trustworthy and affordable tax preparation service. Are there any organizations I should avoid? And are there any Christian-based or low-cost options—especially for seniors? I’m turning 65 soon, and I’m debt-free. I want my condo to go to my children when my wife and I pass away. Should I use a will, put them on the deed, or create a trust? What’s the best approach? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Navigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale Vermillion Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sports betting is exploding across the country. With online platforms, mobile apps, and aggressive marketing, it’s never been easier to gamble — or easier to hide it. What many view as harmless entertainment may actually be reshaping how we think about money, community, and even discipleship. Pastor and author Kyle Worley—Lead Pastor of Mosaic Church in Richardson, Texas, co-host of the Knowing Faith podcast, and author of Home with God: Our Union with Christ—recently wrote on this growing trend for Faithful Steward magazine. Today, he joins the show to explain why the rise of sports gambling deserves more careful thought from believers. A Different Kind of GamblingSports gambling carries a unique appeal. Unlike casinos or the lottery, it taps into nostalgia, play, and community. “Sports connect to childhood memories and communal experiences,” Worley notes. “That nostalgia makes sports betting feel natural, even harmless.” The danger lies in how subtly wagering attaches itself to something already meaningful—games shared with friends, family, or childhood heroes—making it easier to dismiss spiritual risks. What Does Scripture Actually Say?The Bible does not explicitly outlaw gambling. But it repeatedly warns against the desire for quick, hasty gain. Worley points to 1 Timothy 6:9–10, noting that it speaks directly to the temptations and destruction tied to wealth pursued rapidly and without wisdom. Gambling fits that pattern. Scripture’s concern is not merely financial but formational. Gambling trains us to view wealth through the lens of chance, speed, and self-interest—the opposite of stewardship, patience, and contentment. The spiritual stakes aren’t just internal. They are profoundly communal. Worley cites Old Testament scholar Bruce Waltke: “The righteous disadvantage themselves for the sake of the community; the unrighteous advantage themselves at the expense of the community.” Modern betting apps are built on asymmetric outcomes—they profit only because others lose. And statistically, those losses fall disproportionately on the vulnerable. Many platforms use predatory models: Winners face worse odds or even shuttered accounts Consistent losers are enticed with better odds and larger limits Worley compares it to handing a chainsaw to a child—unjust simply because not everyone absorbs the harm equally. Normalization and Cultural FormationSports gambling has moved from taboo to mainstream with startling speed. Betting lines now appear on ESPN, broadcasts, and social media—even during youth-oriented sports programming. The result: a generation being formed to see gambling as normal and morally neutral. Worley warns that where gambling proliferates, other forms of exploitation follow — including human trafficking during major sporting events. While the Bible may speak indirectly about gambling, it speaks directly about exploitation. Some point to the biblical practice of casting lots as justification for gambling. Worley draws a sharp distinction: Casting lots was a religious act of trust—not a wager. It carried no profit motive and served no entertainment purpose. Reframing it as support for modern gambling misunderstands its role entirely. How Churches Can Disciple BetterFor pastors and ministry leaders, Worley offers three recommendations: Talk More About Money - Many Christians lack a positive theology of wealth. That vacuum leaves them vulnerable to cultural narratives. Address “Respectable” Vices - Gambling isn’t the only fun, socially accepted vice that harms stewardship. Churches must disciple beyond obvious sins. Create Healthy Avenues for Play and Connection - Sports betting offers counterfeit community, especially for men. Churches should provide better alternatives. The Wisdom Required TodayIn the end, debates about whether gambling is technically permissible miss the deeper biblical question: Does this help me love God and neighbor well? Worley’s counsel is simple: navigate these decisions in community, under Scripture, with wisdom. Quick profit is never neutral—it forms us. And it shapes the people around us. As sports betting continues to surge, Christians will need more than opinions. They will need conviction, clarity, and a vision of stewardship that honors God and protects the vulnerable. ——————————————————————————————————————— Kyle Worley’s full article, “The Real Stakes of Sports Betting,” appears in the latest issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you’ll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more. On Today’s Program, Rob Answers Listener Questions:I’ll be 63 this year, and I’ve been earning more than usual. I want to make sure I’m not going over the Medicare IRMAA income limits. My parents are still living, and they’ve willed their house to all four siblings. We’re the only ones who want to keep it—everyone else wants to sell. We can’t afford to buy the others out. How do we handle that situation? My husband and I are both 60. We’re debt-free and have about $100,000 in savings. What’s the best way to grow that money so we can use it for retirement? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) The Real Stakes of Sports Betting (Article by Kyle Worley - Faithful Steward: Issue 4) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection? Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.” 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. Why You Need to Talk About Money—IntentionallyMany couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens. On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully? That’s the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable. Turning Financial Talks Into DatesThese aren’t meant for finger-pointing but for course correction—a time to realign your financial goals with your values. But also, why not make it a date? Dating can be a lot of fun if you’re intentional. So why not combine something enjoyable with something that’s often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful. The key is consistency. Whether it’s over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust. Money Date #1: Share Your Money StoryEvery person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences. Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today. Take your spouse out for dinner and share those stories. You’ll gain empathy and understanding for each other’s perspectives. When you know your partner’s money story, their spending or saving habits make a lot more sense. Try this: Ask each other, “What’s your earliest memory of money?” The answers may surprise you—and bring you closer. Money Date #2: Give TogetherGenerosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey: Set a giving goal. Track your family's progress and celebrate milestones together. Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about. Create a stretch goal. As your income grows, commit to increasing your giving percentage over time. These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact. Money Date #3: Cook the BooksThis one’s both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm: Who tracks expenses? What budgeting tools or apps will you use? How often will you review spending? The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center. Money Date #4: Check Your Credit (at the Spa!)Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It’s relaxing—and you can often find affordable day passes. While you unwind, discuss: How much debt do you currently carry? How did your family handle debt growing up? What boundaries would you like to establish regarding credit use? This isn’t about blame. It’s about caring for each other and agreeing on a plan that both of you believe in. Money Date #5: Number Your DaysThis one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.” Couples should view estate planning as an act of love and care. When you prepare a will, name a guardian, or establish a power of attorney, you’re doing something deeply selfless—caring for others even after you’re gone. Spend a date identifying: Who will serve as executor or guardian for your children? How do you want your assets used to bless others? What legacy of faith and generosity do you want to leave behind? Growing Together Through Financial StewardshipMoney dates are about far more than numbers. They’re about connection, empathy, and shared purpose. When couples talk about money in ways that honor God and each other, they grow in wisdom—and unity. When you come together around money with openness and grace, you draw closer not just to each other, but to the heart of God. ——————————————————————————————————————— Dr. Enete’s full article, “Six Great Money Dates,” appears in the 2nd issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you’ll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more. On Today’s Program, Rob Answers Listener Questions:My employer closed over six months ago, and I’ve been unemployed since. My unemployment benefits are gone, and I’m paying my mortgage and bills from savings, which are running low. I’ve owned my home for over 30 years and have good credit. How can I protect my home, and is mortgage forbearance a good option without hurting my credit? I own a condo, and our HOA has issued two large special assessments for roof repairs—first $1,000 per unit for several months, and now another $781 per month. The original contractor was paid and disappeared. Are there government agencies that can investigate or protect owners in this situation, and what rights do I have? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Six Great Money Dates (Article by Dr. Shane Enete - Faithful Steward: Issue 2) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you looking for tools that clarify, simplify, and anchor faithful stewardship in biblical wisdom? That question has shaped our vision for the newly updated FaithFi app—a discipleship tool designed to help you build financial rhythms that bring peace, clarity, and Christ-centered focus to your money decisions. To help unpack what’s new, we sat down with Chad Clark, Chief Technology Officer at Kingdom Advisors and FaithFi. Chad has led the development of the FaithFi app since day one, shaping it into a tool that serves real families seeking to honor God with His resources. When the app first launched, the goal was straightforward: build a biblical stewardship tool that was both practical and accessible. Early versions focused primarily on budgeting and cash-flow management. Over time, the app expanded to include a robust content library of articles, podcasts, and videos, along with a community discussion board—features that helped users learn and encourage one another. This latest update is the biggest we’ve ever released, and Chad explains what guided the development: “One of the most important questions we can ask when building technology is: How do we make it simpler for the user? Money can be complex. Budgeting software shouldn’t make it harder.” To solve that problem, the update introduces: Secure bank connections for importing balances and transactions New simplified budgeting tools that make setup easy Improved automated categorization to reduce manual work These upgrades are designed to help users spend less time tinkering with tools and more time reflecting on the why behind their financial decisions. One of the standout features in the new update is something we’re calling Rhythms—structured daily, weekly, and monthly check-ins that help users slow down, reflect, and respond thoughtfully rather than react impulsively. Daily rhythms pair brief transaction reviews with short devotionals and reflection questions. Weekly and monthly rhythms zoom out, helping users observe habits, cash-flow patterns, and financial goals—all with suggested adjustments and heart-level reflection prompts. Chad notes that these rhythms are especially powerful for couples who want to cultivate greater unity and shared stewardship. With a simple weekly or monthly check-in, couples can talk, plan, pray, and adjust together. The update also brings FaithFi content directly into the app in a more seamless and beautiful way. Faithful Steward magazine articles will now have a mobile expression, and studies and devotionals will soon follow. It’s one more way the app is becoming a true financial discipleship environment rather than just a budgeting tool. The app now includes optional AI features—but with intentional guardrails. All AI is opt-in, self-hosted, and never sent to third-party models. The goal isn’t novelty or complexity; it’s simply to automate tedious workflows and simplify budgeting so users can focus not merely on what they’re doing with money, but why. “The goal,” Chad says, “is to help people be attentive and obedient to what God is calling them to do with what He’s entrusted to them.” Stewardship grows when we slow down, pay attention, and invite God into the decisions we make with His resources. The updated FaithFi app was built to help you do exactly that—establishing rhythms that encourage wisdom, gratitude, reflection, unity, and greater participation in God’s Kingdom work. The new version is available now. Just search FaithFi in your app store, or visit FaithFi.com and click App. On Today’s Program, Rob Answers Listener Questions:I have an annuity that will mature in a year or two. It originally came from an IRA. What are my options once it matures—should I roll it into another annuity or back into an IRA? If I have a Medigap supplemental policy, do I need both Medicare Part A and Part B, or just one of them? I don’t understand why prices keep going up instead of stabilizing. Why does inflation happen in simple terms? You mentioned recently that students can now get on the Certified Kingdom Advisor track. How could a university start offering that program? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Kingdom Advisors University Partnerships Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For most of us, water is rarely something we think about. It’s as close as the kitchen sink, the refrigerator door, or the bottle beside us at work. But for millions of people around the world, clean water remains out of reach—and the consequences stretch far beyond thirst. Jesus once said, “And if anyone gives even a cup of cold water to one of these little ones… that person will certainly not lose their reward” (Matthew 10:42). On today’s episode of Faith & Finance, Aaron Griggs of Cross International shows us just how literal—and transformative—that cup of water can be. Globally, 2.2 billion people still lack access to safe drinking water. In places like Zambia, Malawi, and Uganda, the crisis is especially severe. Women and children often walk long distances every day to gather water from open pits shared with animals. The water is contaminated, illness is common, and the time lost reinforces generational poverty. Girls miss school, mothers miss work, and entire communities struggle to flourish. This quarter, FaithFi is partnering with Cross International, a Christ-centered humanitarian ministry working alongside local churches and Christian leaders to meet urgent needs and create sustainable change. Their work in Sub-Saharan Africa is showing what can happen when clean water meets the living water of the gospel. After a well is installed in a village, physical health improves quickly—but the long-term effects are even more remarkable. Hours once spent fetching water are freed for school, work, farming, and small business. Women gain economic opportunity. Children gain education. And through Cross International’s ministry partners, families are introduced to Jesus, often receiving their first Bibles in their own language. One woman in Zambia described this transformation with simple gratitude: “I never knew that I would be where I am now. My family is healthier, and my children are in school. God has blessed us.” Another woman, Grace, shared how access to water restored not only her family but also her church. For years, her congregation met under a tree because there wasn’t enough water for construction. After a new well was installed, the church was rebuilt, children joined their parents in worship, and an entire community experienced renewed dignity and hope. Her favorite Scripture says it best: “Whoever believes in me… rivers of living water will flow from within them.” — John 7:38 Cross International’s work meets physical needs, but always in the name of Christ. Water is a doorway—opening opportunities for flourishing today and pointing to eternal life in Him. That’s why FaithFi is partnering with Cross International this quarter to serve 250 children across Malawi, Zambia, and Uganda, providing not only clean water but also food, education, and the hope of the gospel. For just $62, one child receives these essential resources for a year. Every gift supports not just a child, but often an entire family and community, moving them toward long-term stability and lasting hope. Clean water changes everything—it restores dignity, strengthens families, and reflects the life-giving love of Christ. To learn more or to join us in this effort, visit: FaithFi.com/Cross. On Today’s Program, Rob Answers Listener Questions:I have a question about the ‘Trump Accounts’ for newborns. What dates are they eligible for, and are there any pros or cons? I just turned 65, and I’m still working with employer health coverage. Do I need to enroll in Medicare Part A or Part B now, or can I wait? While stationed at Fort Polk and Fort Hood, I bought insurance policies that would pay off my houses if something happened to me. I can’t find the paperwork anymore. How do I track down which insurers those policies were with? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Cross International National Association of Insurance Commissioners (NAIC) TrumpAccounts.gov Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Money has a way of making life feel complicated. Whether we’re facing major financial crossroads or simply trying to steward everyday expenses with wisdom, many of us default to figuring things out on our own. But Scripture reminds us that navigating life in isolation isn’t a sign of strength—it's often a barrier to wisdom.  Proverbs 11:14 teaches that “where there is no guidance, a people falls, but in an abundance of counselors there is safety.” Wise counsel, especially when rooted in biblical truth, protects us from blind spots, emotional decision-making, and unnecessary regret. On this episode of Faith & Finance, Sharon Epps—President of Kingdom Advisors and a familiar voice to FaithFi listeners—joins us to explore why seeking counsel is an essential part of faithful stewardship.  Sharon explains that while Scripture is our ultimate authority, God often uses people to speak wisdom into our lives. Advisors, mentors, and trustworthy peers help us see what we might otherwise miss, and their influence can redirect us toward obedience, humility, and clarity. Yet many believers hesitate to ask for help. Sharon acknowledges that reluctance often stems from pride—the subtle belief that we should be able to manage life independently. But asking for help is an act of faith, not weakness. It invites others to use the gifts God has given them and prevents us from making decisions based solely on fear, impulse, or confirmation bias. Drawing from the story of Rehoboam in 1 Kings 12, Sharon highlights the danger of listening only to voices that tell us what we want to hear. Rehoboam rejected the wisdom of seasoned counselors in favor of peers who affirmed his own desires—and the outcome was disastrous. The lesson is clear: godly counsel may not always feel comfortable, but it aligns us with God’s purposes and challenges us to pursue stewardship that honors Him. Sharon then offers practical guidance for how believers can seek wise counsel today. At times, this involves working with trained financial professionals—such as Certified Kingdom Advisors (CKA)—who integrate biblical wisdom with planning, investing, and long-term financial strategy. In other seasons, we need mentors who have walked ahead of us and can offer perspective, or peer friendships that speak truth with honesty and grace. Sometimes the right conversation happens over coffee; other times it requires prayer, pastoral guidance, and spiritual discernment. For those currently overwhelmed by a financial decision, Sharon’s simple encouragement is: don’t go it alone. Isolation amplifies anxiety, while community brings clarity. Invite trusted voices into the process, seek the Lord in prayer, and remember James 1:5—God gives wisdom generously to those who ask. Listeners interested in working with a financial professional trained to offer biblically faithful and practically sound counsel can connect with a Certified Kingdom Advisor (CKA) at FindACKA.com. On Today’s Program, Rob Answers Listener Questions:My husband and I aren’t always on the same page when it comes to money. We moved last year and kept our old house as a rental, which would cover both mortgages. He wants to pay off the rental, but the rental rate is under 4%, and the new house rate is almost 7%. Which mortgage should we pay down first, and how can we better approach our finances together? I’m 57 and retired. I want to invest something for my six-year-old grandson’s future—not just for college, but for when he’s older—and I want to make sure it can’t be accessed until then. What are my options? My 26-year-old son wants to buy his first home and doesn’t always take my advice. I want to guide him wisely without pushing too hard. What’s the best way to help him think about down payments, inspections, and timing as a young buyer? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jesus taught that the true measure of giving isn’t the size of the gift but the heart behind it. Generosity begins long before anything leaves our hands. It starts with what we treasure, love, and worship. Few writers explore the inner life of faith as clearly as Pierce Taylor Hibbs, senior writer at Westminster Theological Seminary and the author of more than twenty books on Christian living. In today’s episode, he joins us to invite believers to examine not just the act of giving but the spiritual forces beneath it. In a recent article for the latest issue of Faithful Steward magazine titled "Motive Is Everything," he draws from counselor David Powlison to explain that there’s always a “sun” around which the planets of our lives turn. We’re always pulled toward something—success, security, comfort, pleasure, affirmation, or money—because we’re created to worship. The question isn’t whether we worship, but what we worship. When the created things we enjoy begin to occupy the center, Scripture calls it idolatry. Money is especially powerful in this way because it overlaps with pleasure and power. It promises control over life and the ability to enjoy it—two desires that easily eclipse our devotion to God if left unchecked. To explore the heart behind generosity, Hibbs points to one of Scripture’s most striking stories: the widow’s offering in Mark 12. We don’t know her name, but Jesus knew her heart. While others gave large sums, she dropped two small coins into the temple treasury—an amount no one else would have celebrated. Yet Jesus did. He saw not the amount but the motive. That’s the point: Giving is never merely transactional. It’s deeply spiritual. It reveals what we value most. Hibbs notes that Scripture treats the heart—the lebab—as the control center of our lives. The Dutch theologian Herman Bavinck wrote that the heart is the source of both our rational and volitional life. It shapes what we think, desire, choose, and pursue. Outward actions are merely the visible tip of an iceberg. Beneath them lies motive. Jesus makes the same point in Luke 6:45: “The good person out of the good treasure of his heart produces good…for out of the abundance of the heart his mouth speaks.” Our generosity flows from whatever we treasure most. If we treasure God, giving becomes worship. If we treasure self, giving becomes calculation, obligation, or strategy. This reframes generosity. It’s not just about allocating money. It’s about the posture of the soul. It includes time, attention, hospitality, compassion, and quiet acts of service—not only dollars in a plate. So how do we cultivate godly motives? Hibbs suggests beginning with Scripture—especially the Gospels—and watching how Jesus treats people. Jesus continually draws attention to what’s happening beneath the surface: motives, desires, and loves. We don’t wait for perfectly pure motives to give—we’ll never act if we do. But we do allow the Spirit to search us, shape us, and re-center our hearts on Christ, the God who gives first so that we might become givers. On Today’s Program, Rob Answers Listener Questions:My son owns a rental property in Baltimore, but the tenant hasn’t paid rent for two months. This has happened before, and it’s putting financial strain on his family. We’re debating whether to sell the house, but it would need some work. If we keep it, are there any tax deductions or benefits since the tenant isn’t paying? What should my son do? I’m 64 and still working full time, but I’d like to withdraw money from my 401(k). Since I’m over 59½, can I do that without the 10% penalty even though I’m still employed? What should I know about taxes and plan rules? My wife is retired and in her 60s, but I’m not yet at retirement age. We’re both on the mortgage. Can we still get a reverse mortgage, or do both borrowers have to meet the age requirement? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Motive Is Everything by Pierce Taylor Hibbs (Faithful Steward Issue 4 Article) The Book of Giving: How the God Who Gives Can Make Us Givers by Pierce Taylor Hibbs Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why do we give? Many Christians would answer simply: because Scripture tells us to. But if giving is only an obligation, something we do because we “should,” generosity will always feel heavy—like a tax, a duty, or a calculation. The Bible offers a far more compelling vision. It tells a story where generosity flows not from guilt or pressure, but from grace. Most of us genuinely want to be generous. Few people say, “I don’t want to give.” Yet generosity doesn’t always come easily. We run the numbers. We think about what’s coming next. We worry whether our gift will make a difference. Sometimes we even reduce generosity to a math problem—something we’ll do once everything feels secure. Beneath those questions is a deeper one: Why do we give in the first place? Scripture doesn’t begin the conversation about giving with budgets or even with commands. It begins with identity. Before you ever give a dollar, you are already living on a gift. Paul writes, “For by grace you have been saved through faith… it is the gift of God” (Ephesians 2:8). You have received mercy instead of judgment, forgiveness in place of guilt, adoption instead of estrangement. Daily bread, new life, a secured future in Christ—all of it is grace. And when grace takes root, generosity follows. Paul describes this beautifully: “Though he was rich, yet for your sake he became poor, so that you by his poverty might become rich” (2 Corinthians 8:9). This isn’t just poetic language—it's the pattern of Christian generosity. Jesus did not cling to comfort, status, or security. As Philippians 2:7 says, He emptied Himself. He entered our poverty so we could share His riches. The gospel doesn’t merely forgive sinners; it forms a generous people who reflect the heart of the Giver. That means our giving is never about earning God’s favor or proving our faith. “We love because he first loved us” (1 John 4:19). The same is true with generosity—we give because He first gave. This changes the tone entirely. Instead of pressure, generosity becomes privilege. Instead of fear—fear of not having enough, fear of loss—it becomes trust. Giving becomes a declaration that God is our provider, not our bank account, and that our security is anchored in Christ, not in financial margins. And this grace-shaped generosity is not reserved for the wealthy. Every believer has received the riches of Christ, which means every believer has something to give. Sometimes it looks like a financial sacrifice. Other times, like hospitality, encouragement, time, or presence. Generosity is broader than money and deeper than obligation. In the end, we don’t give to become generous people. We give because God has already been generous with us. Generosity doesn’t begin with what we give—it begins with what we’ve received. When grace becomes the foundation, giving becomes a joy. ——————————————————————————————————————— If you’d like to explore how the gospel reshapes the way we think about money, stewardship, and generosity, we’re about to release a new 21-day devotional called Our Ultimate Treasure, written by our own Rob West. It’s designed to help you slow down, reflect on God’s grace, and connect biblical faith to everyday financial decisions.  You can preorder your copy—or place a bulk order for your church or small group—at FaithFi.com/Shop. Or receive it automatically when you become a FaithFi Partner at FaithFi.com/Give. On Today’s Program, Rob Answers Listener Questions:I’m recently widowed, and our home is for sale. Once it sells, I’ll have a significant amount of money to manage wisely. I’m debt-free and have family I’d like to bless, but I also want to make good long-term decisions. Where should I start? My boyfriend is 62 and took early retirement. He’s about to receive a profit-sharing payout but has no plan beyond keeping the money in cash. I’m trying to help him figure out what to do with it. What’s the best way to get him started? My daughter is a teacher with a pension and many years before retirement. She has about $25,000 in a high-yield savings account. Would opening a Roth IRA at a place like Schwab or Fidelity be the best next step, or should we consider other options for long-term growth? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Financial Next Steps After Losing A Spouse by Valerie Neff Hogan, J.D., CFP (Faithful Steward Issue 3 Article) Widow Connection National Christian Foundation (NCF) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most people, when asked about their biggest financial regret, will point to mistakes involving debt, missed investment opportunities, or overspending. But for today’s guest, the regret was far more surprising—and far more spiritual. Dr. Art Rainer says his greatest financial regret is not having started tracking his generosity sooner. On this episode of Faith & Finance, Dr. Art Rainer joins us to talk about how something as simple as recording our giving can strengthen our stewardship, deepen our joy, and align our financial lives more closely with Scripture. Rainer, founder of Christian Money Solutions and the Institute for Christian Financial Health, has spent years helping believers think biblically about money. But this particular practice—tracking generosity—came to him through a friend and quickly reshaped his financial priorities. Dr. Rainer identifies four compelling reasons every believer should consider tracking their giving. First, generosity is not merely an optional add-on to the Christian life; according to Scripture, it’s a financial priority. Proverbs 3:9 calls us to honor the Lord with our wealth and with the firstfruits of our increase. God created us not to stockpile resources but to act as conduits of His provision. If generosity stands at the front of faithful stewardship, it makes sense to pay attention to it—just as we would with saving, budgeting, or debt reduction. Second, Rainer explains that we naturally “chase what we track.” What we measure shapes what we pursue. Many of us track our net worth, our spending categories, or our fitness goals—and we make progress because the very act of monitoring fuels intentionality. If that’s true for paying off debt or saving for a car, why wouldn’t it be even more true for generosity, one of the most transformative habits in the Christian life? Third, he notes that generosity is missing from the financial dashboards believers tend to rely on. Our balance sheets and net worth statements are helpful tools, but they tell only part of the story—and often reward the very behaviors Scripture warns us not to idolize. In fact, traditional financial statements treat giving as a negative, a depletion of wealth, even though Scripture teaches that generosity stores up lasting treasure (Matthew 6:19–21). Tracking giving puts what God values most back into view. Finally, tracking generosity helps believers remember why they give in the first place. Every dollar represents impact—lives changed, ministries strengthened, needs met, and the gospel advanced. While most of that impact won’t be fully seen until eternity, keeping a record helps us trace God’s faithfulness and celebrate His work through us. It turns giving into worship, gratitude, and mission rather than mere obligation. Dr. Rainer concludes with simple encouragement to get started: look back at prior giving, record it, and move forward. A spreadsheet is enough. The goal isn’t pride, but praise—remembering God’s provision and rejoicing in the privilege of generosity. On Today’s Program, Rob Answers Listener Questions:I’m receiving a substantial inheritance—approximately half a billion dollars—and neither my children nor I need it. I want to use it wisely and not simply pass the responsibility to my kids. How should I approach that? My sister and I want to start a Christian film studio to create apologetics content. What does it take legally to set up a 501(c)(3), and how would someone support themselves financially while running one? I just had a CD mature, and I’d like to reinvest the $50,000 into an account that yields more than 2%. I remember you mentioned something in the 6% range, which is now around 5%. What are my options for safe investments with higher yields? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White Christian Money Solutions Institute for Christian Financial Health Excellence in Giving | National Christian Foundation (NCF) Gainbridge Bankrate Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Investing doesn’t require a fortune — just a willingness to begin with what you have. That’s the message Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, emphasizes as he encourages listeners to start small, stay consistent, and keep investing simply as an act of faithful stewardship. Biller starts by reminding beginners that wise investing is built on a solid financial foundation. Before putting money at risk in the markets, he urges individuals to pay down high-interest consumer debt, establish a modest emergency fund, and follow a spending plan. Paying off double-digit credit card debt offers a guaranteed return that most investments struggle to match. The exception comes when an employer offers matching contributions in a retirement plan—since a match functions like an immediate return on contributions, it’s often worth taking advantage of even while still eliminating smaller debts. For those ready to invest, workplace retirement plans—such as 401(k)s—are typically the best place to begin. They offer three major benefits: tax-advantaged growth, automatic contributions that promote consistency, and, in many cases, employer-matching contributions. Biller calls the match “free money,” noting that it’s effectively part of an employee’s compensation and should not be left on the table. For listeners without a workplace plan, an IRA—and especially a Roth IRA for younger workers—provides similar tax advantages and helps develop long-term investing habits. New investors often feel overwhelmed by the sheer volume of financial information available today. Biller warns that waiting until you “know everything” often results in never starting at all. The more important step is to build momentum by contributing regularly, even in small amounts. Investing is a habit, and habits gain strength through repetition. To keep things simple, Biller recommends relying on broad, low-cost index funds—often available through both workplace plans and discount brokerage firms. Index funds offer immediate diversification, require minimal expertise, and allow investors to learn gradually without taking on unnecessary risk. More sophisticated strategies can come later; simplicity removes barriers at the beginning. Alongside practical guidance, Biller highlights several behavioral realities: choose a few trusted financial voices, tune out noise that stirs fear or greed, and resist a false urgency to time the market. Successful investing requires patience and emotional steadiness more than constant research. As the conversation wraps up, Biller offers encouragement: while investing can appear complex, most of the benefits come from a few basic disciplines. You don’t need large sums to begin; time in the market is your greatest ally. Maintain a heart-level posture as a steward, trusting that God can multiply small beginnings into meaningful long-term outcomes. Wise investing is ultimately an expression of faithful management, not accumulation for its own sake. To learn more about Sound Mind Investing, you can go to SoundMindInvesting.org.  On Today’s Program, Rob Answers Listener Questions:My wife and I have been blessed, and through our business and frugal lifestyle, we’ve saved a significant amount. We also partner in projects in Haiti, Honduras, and El Salvador. Right now, we have about $250,000 in a stock account and $400,000 with LPL Financial. Would it be smarter to consolidate those investments to make them easier to manage and potentially grow faster? I’d appreciate your advice. Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Starting Small, Finishing Well by Joseph Slife (SMI Article) Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Economic forecasters expect U.S. growth in 2026 to settle between 1.5% and 2%—sluggish, but not recessionary. Still, analysts warn that if inflation reignites or global trade pressures intensify, a mild downturn is possible. For many households, this uncertainty fuels anxiety—especially around rising health-care costs. On today’s program, Lauren Gajdek, Senior Director of External Affairs at Christian Healthcare Ministries (CHM), joins us to offer practical guidance for navigating health-care expenses in a slow-growth, high-uncertainty environment. Lauren notes that beyond slower GDP projections, unemployment remains elevated at 4.4% and inflation has yet to return to the Federal Reserve’s 2% target. That combination creates financial pressure for both working families and retirees.  If someone loses their job—and, with it, employer-provided health coverage—Lauren explains the options: COBRA allows continuation of benefits, but the individual must pay the full premium, which is extremely costly. Marketplace plans on Healthcare.gov also carry high premiums and, increasingly, high out-of-pocket maximums. For many families, the total annual exposure can exceed $20,000. That’s why Lauren highlights an alternative that more Christians are turning to: health-care sharing ministries. CHM—founded on the biblical principle of bearing one another’s burdens (Galatians 6:2)—is not insurance. Instead, members remain legally responsible for their medical bills, and CHM facilitates the sharing of eligible expenses among members. To help listeners understand the model, Lauren outlines how cost sharing works in practice. Members pay a monthly amount based on the program level and family size. For example, CHM’s Gold program is priced at $299 per “unit,” where each adult is a unit and all dependent children together count as one additional unit—making it particularly advantageous for families. CHM also offers Silver, Bronze, and SeniorShare options, allowing households to tailor participation to their needs and budgets. When medical needs arise—an emergency-room visit, for example—the member pays their defined personal responsibility amount, and CHM shares the remaining eligible expenses. Related follow-up care from the same incident can also be submitted for reimbursement. As the nation's oldest health-care sharing ministry and a longtime underwriter of Faith & Finance, CHM has paid more than $13 billion in medical bills since its founding. Lauren emphasizes that while it operates as a ministry, CHM also provides practical financial support, helping Christians manage health care costs during uncertain economic times. If you’re interested in learning more, you can visit CHMinistries.org/FaithFi for additional details. On Today’s Program, Rob Answers Listener Questions:My husband and I own a small, mortgage-free house on 18 acres, and we’d like to purchase neighboring land at a discount to expand our nonprofit's safe haven for domestic violence survivors. We have limited savings and no debt, and I’m turning 62 next month. Should we consider a reverse mortgage, rent out the smaller house, sell the property, or finance the purchase? What’s the wisest option for our situation? I’m about to receive a sizable check from an account that closed. While I look for a financial advisor, where should I park the money for a few weeks or months to earn interest? I know money markets are insured up to $250,000, but what if the deposit is much larger? Do I need multiple accounts, or is there a way to increase the insured amount in one place? When I tithe and give offerings and then receive a giving statement for tax season, is it wrong to claim that deduction? Am I ‘taking money back from God,’ or am I just misunderstanding how taxes and deductions work? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Healthcare Ministries (CHM) Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Staying on budget doesn’t have to be complicated—or exhausting. A growing number of families are discovering that a simple, five-minute weekly check-in can make the difference between feeling reactive and feeling in control.  On today’s episode of Faith and Finance, Crystal Payne joins us to offer a practical rhythm for keeping your spending aligned with your priorities. Crystal is the founder of MoneySavingMom.com and the author of several bestselling books on frugal living and family budgeting. She writes extensively on financial stewardship in the latest issue of Faithful Steward magazine. Crystal’s approach centers on six weekly questions—each one designed to build awareness, reduce stress, and encourage intentionality rather than guilt or perfectionism. 1. What worked this week? Begin with the wins. Identifying progress reinforces good habits and motivates continued change. 2. What didn’t work this week? Honesty about drift or weak spots brings clarity. Patterns often emerge in categories such as dining out or impulse purchases. The goal isn’t shame—it’s information. 3. What do I want to change? Awareness should lead to one small, actionable adjustment for the week ahead—rebalancing a category, revising expectations, or improving tracking. 4. What surprised me? Looking for unexpected expenses, higher bills, or forgotten credits helps reduce future anxiety and highlights planning opportunities. 5. Was I over budget anywhere? Overages aren’t failures; they show where reality differs from assumptions. This is where Crystal recommends treating your budget like a GPS—when life takes a detour, simply recalculate. 6. Any “aha” moments? These reflect where money, values, and emotions intersect. Many people recognize that a bit of planning reduces tension, that habits shape outcomes, or that spending aligns—or doesn’t—with their priorities. At the heart of this rhythm is intentionality. Crystal notes that a budget isn’t meant to sit in the background until there’s a problem. When revisited consistently, it becomes a tool that works for you rather than a set of rules you feel pressured to obey. For married couples, Crystal suggests reviewing the budget together, approaching the conversation with curiosity rather than criticism. Shared visibility promotes unity and helps both spouses move their priorities forward without resentment or misunderstanding. A five-minute weekly review may sound small, but over time it transforms budgeting from crisis-management into stewardship. It helps families spend purposefully, adjust gracefully, and ensure their financial decisions reflect what they truly value. On Today’s Program, Rob Answers Listener Questions:My husband and I are trying to decide how to handle our son’s $6,500 student loan. He’s in the military and hasn’t made payments since 2015. Should we pay it off in full from our retirement or savings, or just pay the minimum $75 per month and put that amount into an emergency fund for him and his wife? Also, would paying monthly affect his credit score? I’m 36 and have a 401(k), but I contribute about $25 every two weeks. I’d like to invest more, but I don’t fully understand the differences among NASDAQ, S&P, index funds, and other investment options. What’s the best strategy for someone my age who can take some risk? I retired at 66 and have never touched my employer retirement account or my IRA. I just turned 73, so I have to start taking RMDs. How are RMDs calculated, and how can I use them in a way that still allows me to tithe, give, and leave money to my children? Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) MoneySavingMom.com How Can I Keep My Budget On Track? By Crystal Paine (Article in Faithful Steward Issue 4) Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We live in a culture that stretches us to the very limits of our time, energy, and finances. Every hour gets booked, every dollar gets assigned, and before we know it, we’re operating without room to breathe. Scripture calls that lack of space folly—and the presence of space wisdom. Today, we’re talking about margin and why it’s essential to biblical stewardship. Margin is the space between our limits and our load—the distance between what we could do and what we actually do. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it.” Wise people don’t consume everything they have. They create space. They build reserves. They plan ahead. The foolish run to the edges, spending and consuming as fast as resources arrive. One of Scripture’s most beautiful pictures of margin appears in the story of Ruth. In Leviticus 23:22, God instructs His people not to harvest their fields all the way to the edges. They were to leave grain for the poor, the widow, and the foreigner. Boaz obeyed that command. He refused to maximize every inch of profit, and because of that simple act of obedience, Ruth and Naomi survived. Margin became the soil for redemption—leading to the lineage of King David, and ultimately, to Jesus Christ. Margin makes room for God to work. Think of a beautifully designed page. The words never run from edge to edge. The white space allows the page to breathe. Without it, the text would feel overwhelming. Our lives are the same. When we fill every minute of our schedules and every dollar of our budgets, life becomes chaotic. We lose clarity, rest, and the ability to respond to God’s promptings. Financially, the absence of margin makes even small disruptions feel like emergencies. A car repair or medical bill can suddenly derail us. But margin absorbs shocks. It quiets anxiety. And it lays the groundwork for stewardship. Margin produces at least three spiritual benefits: Space for Rest. When we’re not bound to every dollar, we can Sabbath—enjoying God’s presence without pressure. Space for Faith. When we don’t consume everything, we confess that God—not our paycheck—is our provider. Space for Generosity. Living at the edge leaves no room to say yes when God nudges us to give. Margin fuels ministry. Ultimately, margin is a spiritual discipline. It isn’t just about saving money—it’s about creating space for God’s pace, God’s provision, and God’s purposes. The first step is simple to name and difficult to practice: spend less than you earn. Say no to good things so you can say yes to better things. Margin doesn’t appear on its own—it’s created through intentional choices. Boaz never imagined that leaving grain behind would shape the family line of the Messiah. But God often uses margin to accomplish eternal things. ———————————————————————————————— If you want to go deeper in learning how our stewardship makes room for God’s work in our lives, our own Rob West wrote about this theme in his new 21-day devotional, Our Ultimate Treasure. It will be released next month.  You can preorder or place bulk orders at FaithFi.com/Shop, and a digital version will be available soon in the FaithFi App for FaithFi Partners. I’d love for you to experience it. On Today’s Program, Rob Answers Listener Questions:I received a notice from my bank regarding an arbitration provision and class action waiver—specifically, a notice about resolving disputes through individual arbitration. I don’t understand what that means or what happens if I opt out. I’m confused and unsure what to do. I’m a truck driver, and I’m 62. I’ve got a few years before retirement, and I’m starting to have a little extra money in my paycheck. I’d like to invest some of it, but I’m unsure about the current market conditions. I’m also curious about crypto and Bitcoin, and wanted to hear your take. I’m trying to organize several things I’ve inherited—stock, savings, an IRA, an annuity, a CD, an insurance inheritance, and a house. I’m almost 72, and my dad is 100 and still living, so I need to plan for possibly 30 more years. I work part-time and receive Social Security, and my husband, who is bed-bound, also receives Social Security. Overall, our income is about $9,000 per month, which we don’t need right now. I want to know how to organize all of this wisely and plan for the long term. I have two adult children in their late 30s who still have a lot of student loan debt. I’d like to help pay it off, but most of my money is in retirement accounts—401(k), IRA, and Roth IRA. Is there any way to use that money without a big tax hit? Is there any option to reduce their debt through repayment programs? One child has federal loans, and the other is in forbearance, with interest accruing. I’d really like to see them free from this debt, but I’m not sure how to approach it. Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.