Faith & Finance

Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren’t surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund. Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately. We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt’s grain during the years of plenty. His preparation wasn’t random—it was steady and systematic. That’s exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise. What Is a Sinking Fund? A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you’ve been building. This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It’s not glamorous, but it works. Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn’t wait until the snow falls to collect food—she steadily prepares in advance. Trusting God doesn’t mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand. Where to Start If you’re new to sinking funds, begin with one category. Break down the expense into monthly contributions: Car repairs & replacement—Home maintenance—Medical costs—Gifts & holidays—Insurance premiums & taxes—Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise. In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church’s needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes. The goal isn’t to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear. Faith Expressed Through Stewardship Choose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you’ve built the habit, add another fund. Before long, you’ll have a system that turns stress into confidence and panic into peace. Creating sinking funds is more than a budgeting trick—it’s a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn’t replace faith—it reflects it. So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn’t just believing God will provide when the bill arrives—it’s also honoring Him by preparing with the resources He has already placed in your hands. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi...

For many children, going barefoot isn’t a choice—it’s a daily struggle that puts their health, safety, and future at risk. But one pair of shoes can change that story. Today, we’ll hear how Buckner Shoes for Orphan Souls is bringing hope and dignity to vulnerable children around the world. Shawn Spurrier joins us to share how God is changing lives through something as ordinary—and extraordinary—as shoes. Shawn Spurrier is the Director of Buckner Shoes for Orphan Souls at Buckner International, an underwriter of Faith & Finance. A Mission That Began in Dallas Buckner Shoes for Orphan Souls started in 1999 as a local effort in Dallas, Texas, to serve children in Russian orphanages. Over 25 years later, God has expanded this work into a global ministry. Today, more than 5 million children in 86 countries have received shoes through the generosity of churches, businesses, and believers across the U.S. What began as a small act of compassion has grown into a worldwide movement of hope. More Than Shoes: Health, Safety, and Education Around 300 million children worldwide lack access to shoes. This barrier affects nearly every aspect of life: Health—Education—Hope—Shoes are more than fabric and rubber—they are a bridge to dignity, opportunity, and transformation. Restoring Dignity for Families For many of us, buying new shoes for back-to-school is routine. But in parts of the world where Buckner serves, parents may spend months saving to afford just one pair—or go without entirely. Some families must rotate a single pair of shoes between siblings, deciding who can attend school on a given day. The gift of shoes restores dignity to parents, enabling them to provide for their children and giving kids the confidence to learn, grow, and thrive. Global Reach and Local Impact Buckner’s ministry extends both globally and locally: United States—Latin America—Africa—Beyond—Every pair of shoes opens the door to broader ministry. Family Hope Centers offer resources, education, and Christ-centered training, bringing lasting transformation to entire communities. How You Can Join Together, we’re striving to provide 1,000 children with shoes, socks, and the message of God’s love. Visit GiveShoesToday.org to make your gift and bring hope to a child in need. Shoes may seem ordinary, but in the life of a child, they are extraordinary. They represent safety, opportunity, dignity, and above all, the love of Christ. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes for Orphan SoulsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Israel is often in the headlines for conflict—but there’s another story you need to hear. Beyond the headlines, Israel has emerged as a global innovation hub and a rising player in international markets. Today, Brian Mumbert joins us to share why investing in Israel could be a strategic opportunity worth considering. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance. Why Invest in Israel? At first glance, investing in a nation experiencing conflict may seem counterintuitive. But economies often demonstrate resilience in times of war. Israel is no exception. With robust defense spending, a thriving entrepreneurial spirit, and a deeply ingrained culture of saving and financial discipline, the nation continues to grow. In fact, one of Israel’s largest banks gave out piggy banks to families nationwide to encourage saving—a small example of the country’s ingrained culture of stewardship and fiscal responsibility. For those wondering about safety, Israel offers a surprisingly secure environment for investment. The Tel Aviv 125 Index, which tracks the nation’s 125 largest companies, operates much like the U.S. stock exchanges. Israel has transitioned from an emerging to a developed economy, putting it in the same global category as many European nations. Its GDP is forecasted to grow by 3.3% in 2025 and 4.6% in 2026, with inflation targeted at a steady 2%—numbers comparable to the U.S. outlook. The “Startup Nation” Advantage Israel’s reputation as a hub of innovation is well-earned. In 2024 alone, U.S. giants invested billions in Israeli startups. Google acquired cloud security firm Wiz for $32 billion, while Palo Alto Networks purchased CyberArk, an identity management leader, for $25 billion. Everyday technologies like Apple’s Face ID and SodaStream also trace their roots back to Israel. Large U.S. companies buying small Israeli firms is common since it’s part of the fabric of their economy. While technology dominates headlines, Israel’s economy is diverse. Financials, industrials, and defense sectors have also posted strong returns. In fact, nearly every sector reported double-digit growth in 2025. The Israeli shekel has also appreciated, further boosting investor confidence. International ties enhance Israel’s economic opportunities. The Abraham Accords have opened new trade relationships across the Middle East, while defense partnerships with Europe have surged amid global conflicts. Recent agreements, such as a $35 billion natural gas export deal with Egypt, demonstrate the nation’s expanding role in global energy markets. The Timothy Plan Israel Common Values Fund For investors who want exposure to Israel’s growth while remaining true to their faith, Timothy Plan offers the Israel Common Values Fund. This actively managed fund holds 58 companies, giving broad diversification within the Israeli market. True to Timothy Plan’s mission, the fund excludes companies that profit from abortion, pornography, or other activities inconsistent with biblical values. Even in Israel, they carefully screen companies to ensure they align with Christian principles. Faith-based investors increasingly want their portfolios to reflect their values. Advances in technology have made it easier to screen companies for alignment, though Timothy Plan has been doing it faithfully since 1994. They’re not just avoiding harmful investments, they’re enabling believers to steward their resources in ways that honor God.” Practical Advice for Investors If you’ve never seen faith-based options in your portfolio, start by talking to your advisor. Share what you’re passionate about—your church involvement, your giving priorities, your desire for biblical stewardship. When advisors know your values, they can help you align your investments with them. The Timothy Plan Israel Common Values Fund provides a practical way to support Israel and benefit from its dynamic economy—all while...

When you board a plane, you trust the pilot to get you safely to your destination. Shouldn’t you be just as careful about who advises you on your financial future? Financial guidance isn’t just about numbers—it’s about trust, worldview, and values. The right advisor can help you make decisions that align with your faith and priorities. Every advisor brings a worldview to the table. Too often, cultural definitions of success revolve around accumulation alone. But biblical stewardship points higher—toward faithfulness, contentment, and generosity. That’s why this choice is not only financial—it’s spiritual. You’re entrusting someone with influence over how you manage God’s money, and that requires discernment. Clarify What You Need Before beginning your search, determine what type of help you’re looking for. Do you need comprehensive planning—covering retirement, insurance, taxes, estate planning, and generosity—or just investment management? Do you want a one-time plan or an ongoing relationship? The clearer your goals, the easier it will be to evaluate fit. One of the most important questions to ask is whether your advisor is a fiduciary, legally obligated to put your interests first. Compensation models vary: Commission-basedFee-basedFee-onlyNo matter the model, insist on full transparency about fees and expenses. Credentials and Character Credentials demonstrate an advisor’s training and licensing, but character matters just as much. Evaluate potential advisors in three areas: Values –Competence –Process –A Practical Process for Finding the Right Advisor Build a shortlist –FindaCKA.comDo a background check –Interview at least three advisors –Request a written scope and fee schedule –Pray and take your time –When meeting with potential advisors, ask: Proverbs 11:14 reminds us: “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” Red Flags and Green Lights Be alert for warning signs such as: Look instead for encouraging signs: The right advisor depends on your season of life. Young families may need guidance on budgeting, insurance, and college savings, while retirees often seek tax-efficient withdrawals, income strategies, and estate planning. Ask potential advisors about their typical clients to see if their expertise aligns with your needs. Keeping Faith at the Center A trusted advisor can help you avoid mistakes, manage taxes, stay disciplined during market swings, and design a generosity plan that reflects your calling. Most importantly, the right advisor will keep your focus on faithfulness, not just finances—helping you honor God with every decision. If you’re ready to seek biblically wise financial advice, consider working with a Certified Kingdom Advisor®. CKAs meet rigorous standards of character, competence, and biblical training. You can start your search today at FindaCKA.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistAnnualCreditReport.comChristian Credit CounselorsMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Marriage is about becoming one—but what does that mean for your money? For many couples, the question of whether to combine bank accounts or keep them separate is one of the first major financial decisions they face. While the Bible doesn’t speak directly to checking accounts, it does give us a clear picture of what unity, trust, and stewardship look like in marriage. What Scripture Says About Oneness In Mark 10:7–8, Jesus says, “Therefore a man shall leave his father and mother and hold fast to his wife, and the two shall become one flesh.” That phrase, “one flesh,” is more than physical—it describes an emotional, spiritual, and practical union. Marriage is about sharing a life together, and that includes finances. The Bible doesn’t command couples to have joint accounts, but it does call us to transparency, mutual submission, and faithful stewardship. Joint accounts are one practical way to live this out, offering a structure of accountability and openness. Separate accounts, while not inherently sinful, can sometimes become symbolic of separate lives if not handled with care. A story from a banker friend drives this home. One day, a woman came into the bank distraught after discovering her husband had a secret credit card with thousands of dollars in gambling debt. The shock wasn’t just about money—it was about broken trust. Financial infidelity is devastating because it goes deeper than dollars and cents. It damages the foundation of unity. Ephesians 5:21 reminds us: “Submit to one another out of reverence for Christ.” That submission extends to our financial decisions. Practical Ways to Build Financial Unity So, what does financial oneness look like in real life? Here are a few steps couples can take: 1. Hold Regular Money Dates Set aside time each month to review your budget, giving, and goals. These conversations don’t have to be stressful—they can strengthen communication and provide alignment in your marriage. 2. Build a Shared Emergency Fund Saving three to six months of expenses together demonstrates trust and unity. It says, “We’re in this together, no matter what comes.” 3. Use Tools That Foster Unity Budgeting apps like the FaithFi app can help you and your spouse manage money together with clarity and purpose. Built on biblical principles, it’s more than just software—it’s a discipleship tool. Why Financial Unity Matters Financial unity is ultimately about more than accounts and numbers. It’s about our hearts. When couples pursue oneness in their finances, they reflect the greater reality of Christ’s love for His church—a bond marked by trust, sacrifice, and faithfulness. Your bank account setup matters far less than your posture toward one another. Ask yourselves: When the answer is yes, your marriage becomes a living testimony of the Gospel. A Bigger Vision for Stewardship At the end of the day, combining or separating accounts isn’t the ultimate issue. The greater call is to live as one—financially, emotionally, and spiritually—while stewarding God’s resources faithfully. And if you’d like to go deeper in this journey, I invite you to become a FaithFi Partner. For just $35 a month or $400 a year, you’ll receive exclusive benefits, including our quarterly printed magazine, Faithful Steward. It’s full of biblical wisdom and practical tools to help you grow as a faithful steward of God’s resources. To join, visit FaithFi.com/Partner. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Bankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on...

Have you ever wondered what happens to your debts when you’re gone? Many assume obligations simply vanish, but the truth is more complicated. Without a plan, your loved ones could face creditors, confusion, and unnecessary heartache. Let’s explore how debt is handled after death—and the steps you can take now to protect your family. Different Types of Debt Not all debts are treated the same after death. Secured Debt: Unsecured Debt:Special Cases: Student and Medical Debt Student Loans: Medical Debt:Protected Assets Some resources are shielded from creditors: These bypass the estate entirely and go directly to heirs. But accuracy matters—outdated beneficiary forms can unintentionally disinherit a spouse or child. Other Important Considerations Community Property States: Co-Signed Loans:Planning Ahead Because the rules vary, consulting an estate attorney is wise. A one-time meeting can prevent years of stress later. But the best protection is simple: live with as little debt as possible. By building margin and reducing obligations, you bless your family with both financial relief and a legacy of stewardship. Practical steps include: Proverbs 13:22 tells us, “A good person leaves an inheritance for their children’s children.” That inheritance is about more than money—it’s about modeling wisdom, integrity, and trust in God’s provision. By stewarding your finances well today, you not only provide a cleaner path for your loved ones tomorrow but also leave them with a testimony of faith that points them back to Christ. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Timothy PlanEventide Asset ManagementOneAscentZillowWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When markets soar, investors face a subtle but dangerous temptation: trading wisdom for excitement. With headlines touting record highs and optimism running wild, it’s easy to get swept up in the momentum. But is now the time to double down—or to take a step back and exercise caution? Today, Mark Biller joins us to unpack the dangers of investing with emotion instead of wisdom. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Bull Market Optimism: Proceed with Caution The stock market has staged a remarkable comeback since spring, and many investors are feeling hopeful about the year ahead. But while optimism is natural, there’s a fine line between healthy confidence and dangerous overconfidence. Just a few months ago, fear dominated the market. Now, investor sentiment has swung in the opposite direction—toward excessive optimism. History shows us that both extremes can lead to poor decision-making. Just as fear prompts panic-selling in downturns, overconfidence during bull markets can drive people to take unnecessary risks. The late 1990s provide a clear example. The dot-com bubble fueled euphoric investing in internet companies, but when the bubble burst, enormous wealth evaporated. While the internet did transform the world, many early investors paid a steep price for ignoring caution. The Risk of Projecting the Present Optimism in the long term is typically rewarded—stocks have trended upward for more than a century despite wars, recessions, and downturns. But short-term overconfidence is dangerous. Since October 2023, the stock market has gained about 60%—roughly six years of typical returns compressed into less than two. It’s unrealistic to assume such momentum will continue indefinitely. In environments like this, investors often fall into two traps: Doubling down on every dip. Abandoning diversification.Diversification: A Biblical Principle King Solomon offered timeless wisdom in Ecclesiastes 11:2: “Give a portion to seven, or even to eight, for you know not what disaster may happen on earth.” Diversification is, at its core, an act of humility. Since no one knows the future, spreading investments across asset classes is the most reliable defense against both downturns and emotional decision-making. While diversification may feel “boring” during bull markets, it provides stability that helps investors stay committed to their plan when volatility inevitably returns. A strong investment strategy accounts for risk tolerance, life stage, and long-term goals. For a younger investor, this might mean a higher allocation to stocks, consistent 401(k) contributions, and the discipline to stay invested through ups and downs. For others, it may involve gradual adjustments, such as including gold or bonds. The key is making changes based on thoughtful, long-term reasoning—not fear of missing out. Confidence vs. Overconfidence Healthy confidence comes from setting reasonable goals, understanding fundamentals, and staying the course. Overconfidence, on the other hand, assumes you can predict what’s coming next—a trap no investor avoids for long. Optimism has its place, but unchecked euphoria can cloud judgment. By remembering history, practicing diversification, and committing to a steady long-term plan, investors can avoid the pitfalls of emotional decision-making and pursue lasting financial fruitfulness. If you’d like to learn more about becoming a Sound Mind Investing (SMI) member, you can visit them at SoundMindInvesting.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Bull Market? Great! But Don’t Get Carried Away by Joseph Slife (Sound Mind Investing Article)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A...

"Yours, Lord, is the greatness and the power and the glory and the majesty and the splendor, for everything in heaven and earth is yours." - 1 Chronicles 29:11 If God owns it all, what does that mean for the way we manage money? Brian Holtz is here to unpack the Five Pillars of Financial Discipleship—principles that, when embraced by families, bring freedom and joy to their finances. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children. More Than Money Management When it comes to managing money as followers of Christ, the Bible calls us to more than financial freedom or peace of mind. It calls us to financial discipleship—a life of stewardship, surrender, and multiplication for God’s Kingdom. Here are five key pillars that shape this journey. Pillar One: Ownership Everything begins with recognizing who truly owns it all. Scripture reminds us in Psalm 24:1, Haggai 2:8, and 1 Chronicles 29:11 that God is the Creator and ultimate Owner of everything. Our role is not ownership but stewardship. This mindset shift—from “mine” to “His”—brings both relief and challenge. It’s freeing to know the responsibility doesn’t all rest on us, but humbling to realize our lives and resources are not ultimately ours to control. Pillar Two: Surrender Acknowledging God’s ownership requires surrender. Luke 14:33 makes this clear: discipleship means yielding everything back to God, not just intellectually but in our hearts. This surrender extends beyond giving—it includes how we spend, save, and plan. Trusting God’s plan over our own is an act of daily obedience. Pillar Three: Choice In Matthew 6:24, Jesus tells us we cannot serve both God and money. Every financial decision—whether saving, giving, or spending—reveals who we serve. Choosing God requires aligning daily habits with His Word, even when it feels counterintuitive. As Isaiah reminds us, God’s ways are higher and better than ours. Pillar Four: Multiplication Discipleship is never meant to stop with us. In the Parable of the Talents, Jesus calls us to multiply what He has entrusted to us. This means sharing what we’ve learned and inviting others into the journey. Financial discipleship involves helping others apply biblical wisdom so that God’s Kingdom continues to grow. Pillar Five: Eternal Focus Finally, discipleship means setting our eyes on eternity. Jesus said in Matthew 6:19–21 to store up treasures in heaven, not on earth. But these treasures aren’t material—they’re about our relationship with Christ. Living with an eternal focus keeps us from being distracted by temporary wealth and anchors our hope in Him alone. How Financial Discipleship Differs It’s easy to confuse financial discipleship with financial stewardship or freedom. Stewardship may stop at wise resource management, but discipleship goes further—it’s about helping others learn, apply, and multiply biblical truth for God’s glory. True discipleship always leads to transformation, both personally and in community. Compass Financial Ministry exists to equip believers to live this way. Through resources, training, and community, they help people break free from the love of money and serve God more fully. Financial discipleship is really about helping others learn, apply, and multiply everything for God’s glory, rather than for our own. To learn more, visit CompassFinancialMinistry.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Compass Financial MinistryFinancial Discipleship for Families: Intentionally Raising Faithful Children by Brian C. HoltzMoney and Marriage God's Way by Howard DaytonChristian Community Credit Union (CCCU)Bankrate.comMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study...

Charles Spurgeon once said, “Consider how precious a soul must be, when both God and the devil are after it.” The story of the Rich Young Ruler in Matthew 19 shows us just how true that is. This young man approached Jesus with a pressing question: “Teacher, what good thing must I do to get eternal life?” What followed was a conversation that revealed not only his heart but also the way possessions can grip any of us more deeply than we realize. A Revealing Question At first glance, the man seemed sincere. But notice his words: “What good thing must I do?” He assumed that eternal life could be earned—checked off like an item on a list. Jesus, however, had just finished telling the crowd that the Kingdom belongs to those who receive it like children, wholly dependent on God’s goodness. The man either missed or resisted that truth. When Jesus pointed him to the commandments, it wasn’t because those could save him. It was to reveal what held the highest place in his heart. Outwardly, he looked moral. Inwardly, his wealth had become his god. When the man pressed further, Jesus cut to the core: “Go, sell your possessions and give to the poor, and you will have treasure in heaven. Then come, follow me.” Matthew 19:22 records the heartbreaking result: “When the young man heard this he went away sorrowful, for he had many possessions.” The issue wasn’t money—it was devotion. Jesus loved him enough to name the one thing keeping him from life. For him, it was wealth. For us, it might be something else—career, reputation, control. Whatever we prize above Christ must be surrendered. What This Means for Us Does this mean every believer is called to sell everything? Not necessarily. As the NIV Study Bible notes, Jesus’s command applied directly to this man’s spiritual condition. But the principle still stands: anything we cling to more tightly than Christ can become a barrier to faith. After the man walked away, Jesus warned His disciples: “It is easier for a camel to go through the eye of a needle than for a rich person to enter the kingdom of God.” Wealth is not evil, but it has the unique power to enslave us. So the question for us is this: What competes for your devotion? What gives you a sense of identity or security apart from Christ? Jesus’s words to the Rich Young Ruler are both sobering and full of hope. Wealth can blind us to our need for God, but surrendering to Christ leads to true life. The invitation is the same today: Will we cling to temporary treasures, or embrace the eternal treasure of knowing Him? Because the problem isn’t wealth, the problem is worship. ——————————————————————————————————————— At FaithFi, we often talk about being “rich toward God,” a phrase Jesus used in Luke 12 when warning about the Rich Fool. It means treasuring Christ above all else, practicing generosity, and holding our resources with open hands. That’s why we’ve created the Rich Toward God study, designed to help you see money and possessions from God’s perspective and reorient your heart toward eternal treasure. You can order a copy—or even place a bulk order for group study—at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)TreasuryDirectUnderstanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an...

Finding a job in today’s economy can feel overwhelming, but you don’t have to face it alone. With interest rates remaining high and the job market slowing, this is a strategic moment to refresh your job search. By combining diligence, adaptability, and prayerful preparation, you can approach this season with confidence rooted in God’s wisdom. Proverbs 27:12 reminds us: “The prudent sees danger and hides himself, but the simple go on and suffer for it.” Preparation matters—not just in life but in your job search. With the right approach, you can steward your time, skills, and relationships wisely while trusting God to guide your steps. A great place to start is your resume. Applicant Tracking Systems (ATS) filter applications before a human ever reviews them, so tailoring your resume to each job description is essential. Use specific keywords, highlight measurable results, and connect your experience directly to the role. Think of it as stewardship—presenting your God-given abilities thoughtfully and effectively. Building Relationships That Open Doors Even in a digital age, networking is still king. Studies show up to 85% of jobs are filled through referrals, and many roles are never posted publicly. Reconnect with colleagues, reach out to mentors, and don’t overlook your church community. Genuine, relational conversations—built on curiosity rather than transaction—often lead to opportunities you couldn’t find otherwise. Employers are also seeking adaptable learners. Developing skills in areas like AI, digital communication, or project management shows you’re willing to grow. Affordable platforms like Coursera, edX, and Google Career Certificates make it easy to build new skills that employers value. Standing Out in a Digital World Your online presence is often the first impression an employer has. More than 70% of hiring managers review social media profiles, and nearly half say what they find influences their decision. Clean up questionable content, complete your LinkedIn profile, and stay active with thoughtful updates. Treat it as your digital business card—when you remain visible, opportunities are more likely to find you. Interviews have also shifted online. Prepare your space, dress professionally, and look into the camera to build connection. Small details—like lighting, posture, and a thank-you note afterward—leave a lasting impact. Trusting God in the Process A slowing job market can stir up fear, but Philippians 4:6–7 offers comfort: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.” Preparation and diligence matter, but so do prayer and trust. God orders your steps. Every interview, every connection, and every opportunity is part of His greater story for your life. Search faithfully, not fearfully, knowing He is your ultimate provider. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)PolicygeniusNerdWalletInsurifyThe ZebraCourseraedXGoogle Career CertificatesLinkedIn LearningConsumer Financial Protection BureauWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

You track your steps. Maybe even your calories. But do you know what it really costs to live each month? Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don’t reflect your values—or your faith. Let’s explore why this number matters, how to calculate it, and how it ties into faithful stewardship. The Basics of Stewardship No matter your income level or stage of life, the same principles apply. There are five things you can do with money: Today, we’re focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it’s not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts. Why Tracking Matters Inflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn’t reflect your personal circumstances. That’s why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship. A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here’s where to start: 1. Begin with Giving For believers, giving isn’t just another line item. It’s the first priority—an act of worship and trust in God’s provision. 2. Add Savings Goals Whether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly. 3. List Your Expenses Expenses fall into three categories: Fixed:Variable:Irregular:When you add it all up, you’ll have a clear picture of your total monthly needs—your true cost of living. If your expenses exceed your income, don’t panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn’t about guilt—it’s about faithfulness. Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely. Living With Clarity and Faith Tracking your cost of living isn’t just a budgeting exercise. It’s about living intentionally, aligning every dollar with God’s purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose. That’s why I encourage you to download the FaithFi app today. With FaithFi Pro, you’ll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store. So, do you know your personal cost of living? If not, there’s no better time to find out. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)1PasswordLastPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

It’s easy to forget how something as simple as a pair of shoes can change a life. But for vulnerable children around the world, shoes mean protection, dignity, and the chance to dream. Today, we’ll hear how Buckner Shoes for Orphan Souls is meeting this need with the love of Christ. Shawn Spurrier joins us to share the incredible impact that is being made all around the world, one pair of shoes at a time. Shawn Spurrier is the Director of Buckner Shoes for Orphan Souls at Buckner International, an underwriter of Faith & Finance. The Heart of Buckner International Founded in Dallas, Texas, Buckner International has been serving vulnerable children, families, and seniors for more than 146 years. Their mission is clear: to follow the example of Jesus by serving the most vulnerable in every phase of life. From foster care and adoption to family-strengthening programs and senior care, Buckner demonstrates Christ’s love in tangible ways. The Shoes for Orphan Souls initiative began 25 years ago in Dallas as a small effort to provide children in orphanages with something they lacked: their own pair of shoes. Many had to borrow communal shoes from a basket just to attend school. Since then, the ministry has distributed more than 5 million pairs of shoes in 86 countries. These shoes do more than protect feet—they open doors to health, education, dignity, and the hope of Christ. Why Shoes Matter A new pair of shoes provides more than comfort: Health Protection –Access to Education –Economic Stability –Hope and Dignity –Stories of Transformation Shawn shared two moving stories that reveal the ministry’s impact: Romina in Mexico – Dulce in Guatemala –A small act of generosity became the seed of a transformed family story. Your Opportunity to Give This month, we’re partnering with Buckner to put shoes on the feet of 1,000 children worldwide. Each pair represents health, education, dignity, and an opportunity for children and families to hear the gospel. $15$150You can be part of this life-changing work by visiting GiveShoesToday.org. Together, we can share the love of Christ one pair of shoes at a time. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes for Orphan SoulsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Businessman and author T. Harv Eker once wrote, “Financial freedom is the ability to live the lifestyle you desire without having to work or rely on anyone else for money.” It’s tempting to think that financial independence is the ultimate goal of life—but what does the Bible say? God’s Word points us toward a far better kind of freedom. In recent years, financial independence has become a cultural ideal. People long to be self-sufficient, debt-free, and free to pursue their passions. While these desires can be wise, they also carry a subtle danger: believing we don’t need anyone—including God. The Warning of the Rich Fool This temptation isn’t new. In Luke 12, Jesus told a parable about a wealthy man who thought he had “made it”: “I will tear down my barns and build larger ones, and there I will store all my grain and goods. And I will say to my soul, ‘You have ample goods laid up for many years; relax, eat, drink, and be merry.’” But God’s response was sobering: “Fool! This night your soul is required of you, and the things you have prepared, whose will they be?” The man’s sin wasn’t wealth itself—it was trusting in wealth instead of God. His independence became his idol. In contrast, Proverbs 30 records a prayer from Agur: “Give me neither poverty nor riches; feed me with the food that is needful for me, lest I be full and deny you and say, ‘Who is the Lord?’ or lest I be poor and steal and profane the name of my God.” Agur understood the heart of stewardship: daily dependence on God. Too little can lead to desperation; too much can lead to pride. The goal isn’t independence, but faithful reliance on the Lord. Three Questions to Evaluate Your Goals As you think about your own financial journey, consider these questions: Am I placing my trust in money?Am I trying to eliminate work entirely?Am I paying off debt just for myself?So, is financial independence biblical? It depends. Scripture reminds us that “He richly provides us with everything to enjoy” (1 Timothy 6:17) and that “every good and perfect gift is from above” (James 1:17). But those gifts were never meant to replace the Giver. A Resource for Going Deeper If you’d like to explore this more, check out our 4-Week study, Rich Toward God. This study walks through Jesus’ Parable of the Rich Fool in Luke 12, helping you discover what truly drives your financial decisions and how to align your resources with God’s Kingdom purposes. You can get your copy—or place a bulk order for your church or small group—by visiting FaithFi.com and clicking the Shop tab. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceABLE National Resource CenterUnderstanding ABLE Accounts With Matt Syverson (Faith and Finance Episode)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what’s changed and what it means for your retirement. Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He’s also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®). A Quick History of WEP and GPO The Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters. Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely. The Social Security Fairness Act of 2025 That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result: This marks a significant win for many retired public servants who had long felt the weight of these provisions. What to Expect if You’re Affected There are two phases of payments: Retroactive Payments – Adjusted Monthly Benefits –It’s important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees. Steps to Take if You Think You Qualify If you believe these changes may apply to you, Eddie recommends two simple steps: Check Your Account Online. SSA.gov Contact the Social Security Administration.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if your portfolio could help advance justice, compassion, and human flourishing? Aligning your investments with your faith isn’t just about avoiding harm—but actively shaping the world around them for good. Stella Tai joins us to talk about how investors are putting their values to work in the marketplace. Stella Tai is the Stewardship Investing Impact and Analysis Manager for Praxis Investment Management, an underwriter of Faith & Finance. Faith-Based Investing in Action: Praxis’ 2024 Impact Report For many believers, investing isn’t just about building wealth—it’s about aligning financial decisions with faith values. Praxis Investment Management, a pioneer in faith-based investing since 1994, continues to demonstrate how Christians can utilize their investments to promote justice, compassion, and tangible change in the world. In its latest Impact Report, Praxis highlights how investor dollars are transforming communities and influencing some of the world’s largest companies. Shaping a more just and compassionate world is something that’s important to many investors, particularly those of faith. Praxis’ annual report reveals where the money goes and how it’s used, inspiring others to view their investments as powerful tools for making a difference. Praxis organizes its efforts around seven “impact strategies,” which support underserved communities, promote responsible business practices, and bring faith into everyday financial decisions. Speaking Truth to Power: Shareholder Advocacy One highlight of the report is Praxis’s work in shareholder advocacy with global brands like Nike. Nike employs over a million people worldwide, many of whom are based in vulnerable regions. Praxis is part of a coalition pushing for stronger human rights protections in the supply chain, including safeguards against wage theft and exploitation. Every worker deserves to have their God-given dignity respected. Praxis is also collaborating with companies such as Coca-Cola and Nestlé to address child labor and wage theft in the global sugar supply chain, advocating for third-party audits and increased transparency. Positive Impact Bonds: Financing Change Beyond advocacy, Praxis invests in bonds that directly benefit communities. Recent purchases include: World Bank IDA Program BondsGreen and Sustainable Bonds from Freddie MacThese investments generate jobs, improve access to healthcare, and help communities thrive—all while providing competitive financial returns. Real Stories of Transformation Praxis’ report also shares stories of hope, such as the expansion of Always Keep Progressing, a Miami therapy center that serves children with special needs. Through investment partnerships, the clinic now helps more than 400 families. This is redemptive investing in action. It’s about fostering human flourishing, not just financial gain. Praxis also partners with Community Development Financial Institutions (CDFIs) and credit unions that serve neighborhoods often overlooked by traditional banking systems. These organizations offer small business loans, enhance access to healthcare, and provide support to underserved rural and urban areas. Whether here in the U.S. or abroad, CDFIs are helping communities gain access to capital and create opportunities. The Momentum of Faith-Based Investing More Christians are realizing that their portfolios can reflect their values. Scripture calls us to care for the poor, the widow, the orphan, and the foreigner. When our faith aligns with our financial actions, even small changes can move markets toward justice. This includes proxy voting, which Praxis views as a form of corporate discipleship—using investor influence to advocate for fair labor, environmental stewardship, and other critical issues. How to Get Started Start by asking yourself a simple but important question: “Do my investments reflect my faith values?” If the answer is no—or you’re not sure—consider talking with a financial...

Some things change with the times—but God’s financial principles never do. They’re not only timeless; they work in every situation, for every person, at every income level. Whether you’re barely making ends meet or managing significant wealth, the Bible’s wisdom for handling money is always right on target. Today, Ron Blue will unpack five proven principles for managing your money well. Ron Blue is a nationally recognized financial expert, co-founder of Kingdom Advisors, and author of more than 20 books on biblical money management. With decades of experience advising families and leaders, he has dedicated his life to equipping Christians to manage their resources wisely and steward them for God’s kingdom purposes. A Lesson From the Senate Floor Back in the early 1990s, Ron Blue was invited to testify before a U.S. Senate subcommittee on family and money matters. When asked what advice he would give American families, his response was simple yet profound: To Ron’s surprise, the senator responded, “That would work for every family—at any income level.” Ron smiled and added, “Yes, Senator, including the United States government.” These five principles, he says, are universal. They apply not just to families, but also to businesses, communities, and even nations. Principle 1: Spend Less Than You Earn This is the foundation of wise financial decision-making. It’s the “slow road to wealth,” but it’s also the surest way to financial freedom. This principle enables families to establish stability without pursuing risky shortcuts or falling into the trap of trying to become wealthy quickly. Principle 2: Avoid Debt Debt can be both a practical and spiritual burden. From a financial standpoint, debt always mortgages the future. Any borrowed money becomes a priority expense—one that takes precedence over all others until it’s repaid. Not all debt is created equal—some can be strategic, like a mortgage—but even “good” debt ties up future income and limits financial flexibility. Principle 3: Build Liquidity (Margin) Margin is what allows families to weather life’s inevitable surprises—a medical bill, car repair, or job loss—without spiraling into crisis. People with cash flow margin are always more secure. They know they can meet the unexpected, and that creates peace of mind and security. An emergency fund isn’t just about financial stability; it’s about emotional and spiritual calm when life throws curveballs. Principle 4: Set Long-Term Goals Short-term thinking often leads to financial stress and impulsive decisions. By setting long-term goals, families can prioritize spending and align their financial choices with their values. The longer term your perspective, the better your decision today. Goals give direction and help families measure progress—not just in wealth, but in stewardship and Kingdom impact. Principle 5: Give Generously Finally, generosity breaks the power of money. Jesus taught that we cannot serve both God and money (Matthew 6:24). By giving, we release our grip on wealth and keep our hearts anchored in Christ rather than in material security. Generosity is the only way to break money’s hold on you. Timeless Wisdom for Every Household Whether you’re just starting your financial journey or seeking a reset, these five principles offer a roadmap to freedom and peace. They are not about complicated strategies or quick fixes—they’re about faithful, steady stewardship rooted in biblical wisdom. If you do these five things, you’ll position yourself for God’s best in your finances. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)FamilyLifeFamilyLife BlendedWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian...

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

What if your work isn’t just a job—but part of God’s bigger story for your life? For some, work is a source of stress, struggle, or simply something to endure. But what if we’re seeing it all wrong? What if God designed work to be a vital part of how we worship Him and serve others? Dr. Tom Nelson joins us today to talk about that. Dr. Tom Nelson is the President of Made to Flourish and has served as the Senior Pastor of Christ Community Church, a multi-site congregation across Kansas City, for over 30 years. He is also the author of Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World. False Narratives About Work Culture tells us many things about work—most of them untrue. However, if we return to Genesis 1 and 2, we find that work is not a curse. Work is God’s good design. Whether paid or unpaid, our work is part of how we glorify Him. The Four-Chapter Story of Work Dr. Tom Nelson uses a “four-chapter” framework to show how the Bible shapes a proper view of work: Creation – What Ought to Be.The Fall – What Is.Redemption – What Can Be.New Creation – What Will Be.One of the most transformative ideas to remember is that all work done for God’s glory is sacred. Work is contribution, not just compensation. We carry God’s presence with us into our workplaces because the Holy Spirit dwells within us. This perspective breaks down the artificial barrier between “spiritual” and “secular” work. It gives believers a seamless life of worship—Sunday through Monday. Hope for the Future We won’t spend eternity sitting on clouds. Revelation offers us a glimpse of a garden city where we will worship Jesus and engage in creative, joyful work—free from sin, frustration, and the need for perfect relationships with God and others. If you’ve believed that your work doesn’t matter, be encouraged that you were created with work in mind. God is with you in your work. When you embrace Jesus and become His apprentice, you’ll learn to live a seamless life where every task, big or small, can glorify Him. Dr. Tom Nelson’s latest book, Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World, is available wherever books are sold. To learn more about integrating faith and work, visit MadeToFlourish.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Made to FlourishWhy Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World by Dr. Tom NelsonCommon Good MagazineBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.