Faith & Finance

What’s the difference between a bank and a credit union? More than you might think. At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why. Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. A Different Kind of Financial Institution Credit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent. However, Christian Community Credit Union (CCCU) goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom. At Christian Community Credit Union (CCCU), they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments. Surprising Strength in Rates and Services Many people assume credit unions can’t compete with traditional banks regarding rates, but that’s a misconception. Because credit unions don’t exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees. Here’s a snapshot of Christian Community Credit Union’s (CCCU) current offerings: Harvest High-Yield Checking:Harvest High-Yield Savings:Welcome CD:Cash Back Credit Card:andCCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support. Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like FaithFi and Compass Financial Ministry to help our members grow in their financial discipleship. It’s not just about managing money well—it’s about managing money faithfully. Funding Ministry and Fueling the Gospel One of the most inspiring aspects of CCCU is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need. From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily. Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide. Becoming a Member is Easy So, how can you join? Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member. With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory. To learn more or become a member, visit joinchristiancommunity.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio...

Did you know there’s a way to tap into your home’s equity for tax-free cash—without having to make monthly payments? It’s true. It’s called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today’s reverse mortgage isn’t what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you. Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. What’s Changed? A Safer, Regulated Option When you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past. Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan’s term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA). No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn’t change, and homeowners are protected. These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling. Are Reverse Mortgage Interest Rates Too High? It’s a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn’t apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated. Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren’t sacrificing much, if anything, in interest when compared to forward mortgages. What About Costs and Obligations? The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance. This insurance offers three essential guarantees: Yes, this insurance adds about 2% of the home’s value to the upfront costs, but it’s well worth it—just like homeowner’s insurance is worth it if your house burns down. What Happens When the Borrower Passes Away? A major concern many have is what happens to the home after the homeowner dies or permanently moves out. The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000. Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning. Flexible Payout Options One of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways: The big idea? Your home is not just a place to live—it’s also a financial asset that can be used strategically, especially in retirement. Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home. Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money...

“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - Psalm 82:3–4 As followers of Christ, we’re called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. ​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at Heart for Lebanon, an underwriter of Faith and Finance. The Crisis Behind the Headlines In a society shaped by shame-and-honor dynamics, without a biblical understanding of human dignity, refugee girls—especially Bedouin and Kurdish—are often seen as burdens or liabilities. Add to that multiple wars, a collapsed economy, and weak legal protections, and the danger becomes tragically clear: girls are exploited because they’re seen as expendable. But Heart for Lebanon is stepping in not just to rescue—but to prevent. That may sound counterintuitive until you hear stories like Ferial’s—a grandmother who joined a literacy class to model a different future for her granddaughters. After coming to know Christ through Heart for Lebanon, she said, “I can’t change what happened to my daughters, but I can change the future for my granddaughters.” Prevention means investing in the whole family unit. It means addressing spiritual, emotional, and physical needs by offering: One of the most moving examples is Alima, a 10-year-old enrolled in Heart for Lebanon’s Hope Education Program. Her mother, under cultural and financial pressure, began pushing Alima to abandon school and enter into marriage. But because of the truth Alima had learned through Heart for Lebanon—truth about Jesus and her God-given worth—she found the courage to push back. Her bold faith not only protected her from child marriage but, through prayer and persistence, led to her mother’s salvation as well. This is the ripple effect of prevention-centered ministry. Real Change Through Holistic Ministry The key to sustainable impact is community transformation. The goal isn’t to isolate and remove girls from danger—which can sometimes cause more trauma—but to reshape families and communities from within through Gospel truth. When fathers, uncles, and guardians are discipled alongside mothers and daughters, entire cultural norms begin to shift. That’s what Heart for Lebanon is doing every day—breaking cycles of violence and shame with the hope of Jesus. Heart for Lebanon is inviting the Faith & Finance family to join them in this mission. A gift of $114 helps reach and protect three at-risk girls, offering them education, protection, and the Gospel of Jesus Christ. You can give by: FaithFi.com/LebanonOur shared goal? To introduce 500 young women and girls to Jesus and prevent the heartbreaking patterns of early marriage, child labor, and violence. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineHeart For LebanonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“A good man leaves an inheritance to his children's children…” - Proverbs 13:22 That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with The National Christian Foundation (NCF), where she assists families nationwide with achieving their charitable gift-planning goals. What Is an Intentional Inheritance? An intentional inheritance is more than the distribution of wealth. It’s a prayerful, purposeful plan for shaping the lives of those who will receive what we leave behind. Inheritance is one of the most significant stewardship decisions we make. It’s not just about how much but how—and why—we give. This perspective calls for a deep shift. Before passing on wealth, we must first pass on wisdom. Otherwise, unmanaged or misunderstood wealth can do more harm than good. Start with Prayerful Introspection Ask yourself: What role does wealth play in my life? Reframe your mindset around money—not as a measure of success or security but as a tool for Kingdom work. Wealth is an entrustment from God, not an end in itself. That means laying it down at the cross daily, asking the Lord to help us steward it with humility and grace. Three Types of Inheritance To simplify this big task, here are three kinds of inheritance every Christian family should consider: 1. Inheritance to Spend This is the traditional kind of inheritance—resources intended to provide opportunities, experiences, and essentials. Think of it as financial fuel to help your heirs live productive, content lives. But maturity matters. Consider using this inheritance to fund training, travel, or education before a large transfer, especially if the heir is still developing financial literacy or spiritual maturity. 2. Inheritance to Shape This is where legacy comes to life. Instead of simply giving money, consider shaping character through shared experiences—like mission trips, retreats, or projects that reflect your family’s values. 3. Inheritance to Share We’re blessed to be a blessing. Set aside a portion of your estate to fuel generosity in the next generation. This might include donor-advised funds, charitable trusts, or other giving vehicles your heirs can use to support ministries or causes close to their hearts. This is how we teach our children to reflect God’s love through giving. Practical Steps to Craft an Intentional Inheritance Here are four foundational steps to take: 1. Engage in Open Dialogue Talk with your heirs about the purpose behind the inheritance. Focus less on how much and more on why. Share your values, your heart for the Kingdom, and how you hope the inheritance will be used to bless others. This conversation builds trust, understanding, and spiritual alignment. It’s not about dollars and zeros; it’s about attitude, opportunity, and calling. 2. Work with Faith-Aligned Advisors Choose financial and legal professionals who share your biblical worldview. Whether you're working with an estate attorney or a financial planner, the right team will help ensure your legacy is stewarded with wisdom and integrity. That’s why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.” 3. Prepare Your Heirs Don’t wait until the inheritance is distributed. Teach your heirs financial literacy and spiritual stewardship now. Let them stumble, learn, and grow while you’re still here to mentor and encourage them. 4. Use Strategic Tools Leverage estate planning vehicles like wills, trusts, donor-advised funds, and charitable gift plans. These tools help ensure your assets are distributed in a way that promotes ongoing...

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9 Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn’t the end of the story—it’s the turning point. It’s the day God’s grace was poured out most fully and most freely. Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn’t just die for us—He died instead of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn’t just a wooden beam but the full weight of our guilt and rebellion. And yet, it was love—not nails—that held Him there. The Financial Language of Redemption Here on Faith & Finance, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation. “The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.”“You were bought with a price. So glorify God in your body.”These verses paint a clear picture: our sin incurred a debt that only Jesus could pay. Tetelestai: It Is Finished In John 19:30, as Jesus gave up His spirit, He cried out, “It is finished.” The Greek word He used—tetelestai—was more than a declaration of His suffering ending. It was a victory cry. In the ancient world, tetelestai was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant’s report that a task had been completed. So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn’t come to make a down payment on our salvation. He didn’t cover part of the cost and leave the rest up to us. He paid it all. That means you and I no longer live in spiritual deficit. We live in the overflow of God’s grace. There’s no more striving to earn God’s favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to gain life, but because in Christ, we’ve already found it. Why Good Friday Is Truly Good Good Friday is good not because it was easy but because it was enough. At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace. So, as we reflect today, may we hear His final words echo in our hearts—It is finished. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us. From Financial Fear to Freedom in Christ If this message resonates with you, we invite you to explore Look at the Sparrows, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God’s grace free us from worry and invite us to trust fully in His provision. On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineYour Money...

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14 Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot. Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. Building a Life of Faithful Stewardship from the Start Finances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That’s why it’s critical to lay a foundation not just of financial literacy but of biblical stewardship. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning. 1. Begin With a Plan—And a Budget Without a clear plan for spending, saving, and giving, it’s easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you. And you don’t have to do it alone. Tools like the FaithFi app make creating an intentional, faith-filled budget easy. It's not just about numbers—it’s about aligning your finances with your values. 2. Save for Emergencies—And Stay Out of Debt After budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits. Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can. 3. Learn from Others—and Find a Mentor There’s no substitute for wise counsel. Watch those who are succeeding with money—and those who aren’t. Learn from both. Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save. 4. Give Generously—Even When It’s Hard Start giving now. Like Randy Alcorn says, “God prospers us not to raise our standard of living, but our standard of giving.” Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider. 5. Start Investing Early—and Consistently Compound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time. Start with low-cost index funds or retirement accounts like a Roth IRA. And don’t overlook your workplace benefits. If your employer offers a match, take it. That’s free money. 6. Align Your Investments with Your Faith Today’s investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles. 7. Embrace Rhythms and Celebrate Milestones The journey to financial stability can feel long, especially when progress is slow. That’s why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We’re not meant to live like monks but are called to be wise. These rhythms of budgeting, saving, investing, and giving aren’t just habits—they’re acts of worship. 8. Talk About Money—Especially in Marriage Money fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often. Being on the same page financially brings...

In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust. When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test. The Temptations of Adversity Financial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith. James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.” So how do we remain grounded—whether in feast or famine? The answer is wisdom. Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.” This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction. Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing. What Wisdom Brings Godly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely: Discernment:“Then you will understand what is right and just and fair—every good path”Guidance:“In all your ways acknowledge Him, and He will make your paths straight”Blessing:“Blessed is the one who finds wisdom, and the one who gets understanding”Reputation:“The wise inherit honor, but fools get only shame”Protection:“Through the fear of the Lord a man avoids evil”Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways. In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.” When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy. Applying Wisdom to Your Finances Here are three practical ways to walk in financial wisdom: 1. Recognize God’s Ownership Everything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give. Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart. 2. Live by Biblical Principles Scripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, “In humility, consider others more significant than yourselves.” 3. Pursue Contentment Paul writes in 1 Timothy 6:6, “Godliness with contentment is great gain.” True wealth isn’t about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism. What Do Your...

For the past decade, U.S. stocks have stolen the spotlight. Fueled by the dominance of tech giants and ultra-low interest rates, American equities have outperformed much of the world—leaving many investors to wonder if there’s any need to look beyond U.S. borders. But history—and current market conditions—suggest it may be time to take a fresh look at foreign stocks. A recent article from Sound Mind Investing by Mark Biller outlines why international markets could be poised for a resurgence. From valuation gaps and shifting fiscal policy to global capital flows and post-COVID economic trends, several factors are aligning that could make foreign equities an important part of a well-diversified portfolio again. Let’s walk through the key highlights and insights from the article—and why this may be a wise moment to think globally in your investment strategy. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Why Should U.S. Investors Consider Foreign Stocks? 1. Diversification and Market Dynamics Foreign stocks offer investors the opportunity to diversify—not just by geography but also by market behavior. While U.S. stocks declined by more than 4% in Q1 of this year, a common international fund used by Sound Mind Investing rose by over 8%. That kind of divergence underscores the value of spreading risk across global markets. Two decades ago, having 20% or more of your equity portfolio in international stocks was standard practice. However, as U.S. markets have surged over the last 14 years—outperforming foreign stocks by a factor of four—many investors have pulled back. History, however, suggests the pendulum could be swinging back. 2. The Tech Bubble Parallel Remember the late 1990s tech boom? From 1995 to 1999, the S&P 500 rose more than 20% annually, driven largely by internet stocks. Sound familiar? After the dot-com bubble burst in March 2000, U.S. stocks stalled—gaining just 13% over the next 7.5 years. Meanwhile, foreign stocks soared, climbing 69% during that same stretch. Market cycles like this remind us that chasing performance can lead to missed opportunities elsewhere. 3. A Price-to-Earnings Disparity Currently, U.S. stocks trade at a P/E ratio of around 26—well above historical norms. Foreign stocks? Around 16. That’s a significant valuation gap. While valuation alone doesn’t indicate when markets will shift, it does suggest that the upside potential for international equities is greater—especially if investor sentiment begins to shift. 4. Post-COVID Spending and Sector Shifts COVID-19 marked the end of a 40-year trend of declining inflation and interest rates. Since then, we’ve entered a new environment with higher inflation and rising rates—conditions that benefit the more industrial, less tech-heavy composition of many foreign markets. U.S. tech stocks, dominant in low-rate environments, may not fare as well moving forward. Foreign markets, which lean toward traditional sectors, could outperform in this new economic climate. 5. Shifting Fiscal Policy One potential catalyst for foreign stock performance is shifting government policies. The U.S. has begun cutting back on spending, while other countries—facing rising defense needs and new trade dynamics—are ramping up. Historically, higher government spending boosts economic growth in the short term. If the U.S. tightens its belt while others open their wallets, we may see a reversal in relative market performance. 6. The "Sequencing Risk" of Tariff Policies “Sequencing risk” is a dynamic in which the pain of policy changes is felt up front, while the benefits come later. For example, tariffs initially slow economic activity but are implemented in hopes of long-term economic independence and stability. This could reduce U.S. growth projections in the short term as some foreign economies accelerate. This divergence can significantly influence investment returns. 7. Follow the...

In today’s fast-paced world of cryptocurrency booms, sports betting apps, and market volatility, it’s easy to blur the lines between investing and gambling. Some even suggest they’re essentially the same: putting money at risk in hopes of a reward. But that’s a serious oversimplification—and it misses what sets these two activities apart, not just financially but morally and biblically. Let’s examine closely how Scripture, wisdom, and faith guide us in thinking rightly about risk, wealth, and the difference between gambling and godly investing. Surface Similarities, Foundational Differences Yes, both investing and gambling involve uncertainty. But the nature, purpose, and outcome of that uncertainty reveal a stark contrast. Investing is thoughtful risk—measured, intentional, and directed toward long-term growth and productivity. It’s about building something: a business, a future, a legacy. Gambling, on the other hand, is a zero-sum game. One person’s win always comes at another’s loss. There’s no product created, no value added—just money changing hands, often driven by chance. Scripture doesn’t condemn risk itself. In fact, Ecclesiastes 11:1 encourages wise, forward-looking activity: “Cast your bread upon the waters, for you will find it after many days.” Farmers sow in faith, business owners launch ventures without knowing outcomes, and faithful stewards invest, trusting God while using His resources wisely. At its best, investing helps others flourish. When you invest in a company, you support its ability to hire employees, create products, and expand services. It contributes to the real economy. This aligns with the biblical call to participate in the common good and steward what we’ve been given. In contrast, gambling thrives on imbalance. Its business model depends on extracting wealth from those who can least afford to lose it. According to numerous studies, gambling establishments disproportionately profit from those in financial distress. That’s not just unfortunate—it’s unjust. Scripture speaks clearly on this: “Ill-gotten gains do not profit anyone, but righteousness rescues from death.” - Proverbs 10:2 “Learn to do right; seek justice. Defend the oppressed.” - Isaiah 1:17 When we gamble, we’re often not just risking money—we may be supporting an industry that profits from injustice and preys on desperation. Faithful Investing Is an Act of Stewardship In the Parable of the Talents (Matthew 25:14–30), Jesus praises servants who wisely multiply what was entrusted to them. This wasn’t a message about maximizing profits—it was about faithfulness. The servants who acted wisely weren’t gamblers but stewards who took action with the Master’s interests in mind. That’s the heart of Christian investing: not chasing gains but multiplying God’s resources to serve others and glorify Him. As stewards, we ask not just what we invest in but why. Are we motivated by generosity or greed? By love for neighbor or love of money? Gambling feeds on a dangerous lie: “If I just get lucky, everything will be better.” It exploits our dissatisfaction and fuels a restless craving for more. But the Bible calls us to contentment, not a compulsive pursuit of wealth. “Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’” - Hebrews 13:5 That warning doesn’t apply only to gamblers. Even investing, when driven by fear or pride, can become a spiritual trap. Hoarding under the guise of saving. Obsessing over returns instead of resting in God’s provision. That’s why heart-checks are essential: Am I trusting in God—or in my portfolio? Gambling Turns Money into a God—Investing Can Turn It into a Tool Jesus was clear: “You cannot serve both God and money.” - Matthew 6:24 Gambling often makes money the master—something to chase, fear, and idolize. But investing, done with a kingdom mindset, makes money a servant—something to steward...

Israel is a nation often in the news but seldom for its potential as an investment. ​Israel is a tiny country but a powerhouse for investing opportunities, particularly in the tech sector. Brian Mumbert joins us today to examine Israel in a different light. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance. Is It Safe to Invest in Israel? Despite frequent headlines about conflict in the Middle East, Israel stands out as a remarkably resilient nation with an entrepreneurial spirit. Israelis have a low view of debt culturally. In fact, at one point, the government even sent out piggy banks to every citizen to encourage savings and wise stewardship. That mindset—combined with a tech-forward economy—creates strong fundamentals that appeal to values-based investors. Understandably, some investors may wonder about the safety of investing in a country with frequent regional conflict. Israel is regulated just like the U.S. They have their own stock exchange—the Tel Aviv Stock Exchange—and the top 125 companies are listed on the Tel Aviv 125 index. Even during times of war, Israel’s economy continues to operate. Brian compared it to the U.S. during World War II: while volatility occurred, the Dow still gained over 50% from 1939 to 1945. A Developed Economy with Room to Grow Israel graduated from the emerging markets category to a developed economy in 2009. While this was a major step forward, it ironically resulted in less attention from global investors, since many international funds tend to favor larger developed economies like Japan or those in Europe. Still, the fundamentals are strong. Israel’s unemployment and inflation rates remain low, and the U.S. continues to be a committed ally. Israel has earned the nickname “Startup Nation” for good reason. Its high-tech sector employs 12% of the workforce and generates 20% of the country’s GDP. Many Israeli companies don’t become household names because giants like Apple, Google, and Amazon acquire them. Notable examples include: Mobileye—Waze—Cherry Tomatoes—The government’s support of tech innovation has made Israel the third-largest tech hub globally by capital raised—just behind Silicon Valley and New York. While tech leads the way, Israel’s financial sector is also strong due to the cultural avoidance of debt. This contrasts sharply with many Western nations. Innovations in agriculture (like drip irrigation) and strong export activity also contribute to Israel’s economic resilience. Over 50% of Israel’s exports are tech-related; major U.S. companies like Apple have invested heavily in Israeli startups, demonstrating the global demand for their innovations. Israel’s global relationships are improving, with normalization efforts such as the Abraham Accords expanding diplomatic and trade ties across the Middle East. Venture capital is thriving, too. Israel boasts over 270 active VC funds, and from 2014 to 2018, investment in Israeli startups grew by 140%—more than double the rate in the U.S. during the same period. The Timothy Plan’s Israel Common Values Fund Timothy Plan offers the Israel Common Values Mutual Fund for those interested in investing in Israel in a biblically responsible way. This fund stands out in several ways: Actively managed—Focused exposure—Faith-based screening—Timothy PlanThe fund performed very well last year as the Israeli Stock Exchange closed the year up over 20%, with most of that growth coming in the second half. If you’re interested in learning more about investing in Israel and doing so in a way that aligns with your faith, visit TimothyPlan.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineTimothy PlanIsrael Common Values Mutual FundBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich...

You’ve probably heard the phrase, “You can’t out-give God.” It may initially sound like bumper-sticker theology, but the truth behind it runs deep. Though you won’t find those exact words in Scripture, the idea captures something profoundly true about God’s heart: His generosity is limitless—and it’s meant to shape our own. From Genesis to Revelation, Scripture reveals a God who gives. But nowhere is His generosity clearer than in John 3:16: “For God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life.” This is the ultimate act of giving—motivated not by our merit but by His love. Romans 5:8 echoes the same truth: “God demonstrates his own love for us in this: While we were still sinners, Christ died for us.” God didn’t give to get. He gave because He loves. And when we receive that love, it transforms how we view giving—not as a transaction but as a response. Giving as a Response to Grace Let’s be honest: Giving can feel risky. You might wonder, “What if I give too much and don’t have enough left?” But the Bible reassures us that God provides for those who give in faith. 2 Corinthians 9:8 says: “God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.” This isn’t a promise of earthly riches. It’s a promise of sufficiency—that God gives enough so we can keep participating in His work. We don’t give to earn God’s favor. We already have that through Jesus. That’s grace—unearned, undeserved, freely given. And grace leads to gratitude. It turns our hearts outward. Giving Isn’t About Getting Some teach that generosity leads to material blessings. And yes, God sometimes blesses financially so that we can continue giving. But that’s not the goal. Author Steve Johnson puts it well: “We are not to give to get earthly reward, expecting God to always give us back in this life what we invest in the Kingdom. Instead, seek the heavenly reward of God Himself.” That’s the real treasure: not stuff, but the Giver Himself. Generosity deepens our trust in God and draws us closer to His heart. King David got it. When he led the Israelites in giving toward the Temple’s construction, he didn’t boast. Instead, he prayed: “But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” - 1 Chronicles 29:14 David knew the truth: everything we have belongs to God. Giving isn’t really “ours”—it’s just returning what He already gave us. That changes how we see money, generosity, and even success. Imitating the Ultimate Giver When we say “You can’t out-give God,” we’re not making a challenge. We’re affirming a truth. James 1:17 reminds us: “Every good and perfect gift is from above, coming down from the Father…” Our generosity isn’t about competition—it’s about imitation. Ephesians 5:1 calls us to “be imitators of God, as beloved children.” That includes imitating His generosity. As we grow in faith, we become more like Jesus, who gave everything. Galatians 2:20 says: “I have been crucified with Christ and I no longer live, but Christ lives in me…” That changes our priorities. Our trust deepens. Giving becomes an act of worship, not obligation. You may not feel like a generous person today, but don’t be discouraged. God is patient. His Spirit is working in you. 2 Peter 3:18 urges us to: “Grow in the grace and knowledge of our Lord and Savior Jesus Christ.” That growth includes learning to trust Him more and give more freely. And when we give in Jesus’ name, we don’t just meet needs—we reflect His love. Here’s the beautiful part: We don’t give because we have to. We give because we get to. We participate in what God is doing in the world. And in the process, we experience the joy of knowing Him more deeply. So no, we’ll never out-give God. But we don’t need to. We simply...

Most people would say their most important relationships are with their spouse, children, or close friends. These connections are deeply meaningful and essential. But there’s one relationship that surpasses them all—your relationship with God. You might be wondering, What does my relationship with God have to do with money? That’s a fair question—and the answer is, quite a lot. While human relationships are a gift from the Lord, none carry more eternal weight than our relationship with Him. God invites us into close fellowship, and how we manage what He’s given us is part of that journey. The Bible provides three foundational truths to help us understand the significance of this relationship, especially when it comes to money. 1. God Owns Everything Colossians 1:16 says, “For by him all things were created, in heaven and on earth, visible and invisible... all things were created through him and for him.” God is the Creator and Owner of everything, including your money, time, possessions, and even your abilities. 2. God Entrusts Us With His Resources 1 Peter 4:10 tells us, “Each of you should use whatever gift you have received to serve others, as faithful stewards of God’s grace…” We don’t own anything outright. God entrusts us with resources so we can steward them faithfully and generously. 3. God Desires a Close Relationship with You James 4:8 says, “Draw near to God, and he will draw near to you.” God is not distant. He wants a daily, personal relationship with you—one in which trust, dependence, and obedience shape every area of your life, including your finances. Money Is a Spiritual Matter The Bible contains over 2,300 verses about money and possessions. Why so many? Because how we handle money reflects the condition of our hearts. As our friend Howard Dayton has said, managing money according to God’s wisdom deepens our fellowship with Christ. Jesus called this kind of relationship “true riches.” Luke 16:11 says, “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” When we manage money well—not to earn God’s favor but as an act of worship—we reveal a heart that trusts Him. Heart Check: What’s Standing in the Way? Sometimes, obstacles get in the way of this kind of faithful stewardship. They usually fall into two categories: 1. Financial Neglect This is unintentional. Life gets busy, and organizing your finances can feel overwhelming or unimportant. But ignoring your money can lead to stress, disorganization, and missed opportunities to serve and give. A practical step: Download the FaithFi app. It offers three easy ways to set up a spending plan and track your money. It’s a simple tool to help you begin stewarding faithfully. 2. Financial Idolatry This is more subtle. You may be diligent in budgeting, saving, or investing, but you still hold your money tightly, unwilling to surrender it to God. Jesus said in Matthew 6:24, “No one can serve two masters... You cannot serve God and money.” Money can become a rival to God’s rightful place in our hearts. We may hesitate to give generously or support Kingdom work—even though God is calling us to trust Him more deeply. Are You Missing Out on “True Riches”? Some assume that financial choices don’t affect their spiritual lives, but that’s not what Scripture teaches. If you’re not following biblical principles in handling money, what peace or spiritual growth might you be missing? Ask yourself: If any of this resonates with you, don’t wait. Commit your finances to the Lord in prayer, and then follow through by managing them according to biblical wisdom. Start with the FaithFi app—not just to budget but to renew your perspective. It connects you to trusted Christian financial content and helps you integrate your faith with every financial decision you make. True riches aren’t found in net worth or material success. They’re found in knowing Christ and faithfully stewarding what He’s entrusted...

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.” Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. Today, Ron Blue joins us to discuss the Uniqueness Principle and how it can guide parents in passing down wealth effectively. Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives. The Uniqueness Principle: Equal Love, Unique Treatment Probably every parent of more than one child has asked, “How can children coming from the same two parents, with the same gene pool, living in the same environment, with the same stimuli…be so different?” Of course, we all know that estate planning can be challenging, and we understand the desire to be fair. However, the answer lies in what Ron Blue calls the Uniqueness Principle: Love your children equally, but treat them uniquely. If we think about how God treats us, He loves us all equally and treats us uniquely. In other words, God doesn’t give everyone the same gifts, challenges, or circumstances—and maybe we shouldn't either when planning our estates. One child may have greater needs, and another may be wiser in handling money. Those realities need to be part of the decision-making process for transferring wealth. Each of my children is different financially, emotionally, and spiritually. Over the years, Ron and his wife, Judy, have allocated varying amounts to each of them, taking into account their individual needs and life circumstances. Good stewardship means recognizing these differences and allocating resources accordingly. Fairness vs. Favoritism: Learning from Scripture Many parents worry about resentment among their children if they don’t divide assets evenly. The best way to handle this is through clear communication. Open and honest conversations while you’re alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity. As parents, we need to work diligently to avoid favoritism. Rightfully so, as favoritism has caused much pain and divisiveness in families for thousands of years. Look at the story of Joseph in the Old Testament. The Bible says that his father, Jacob, "loved Joseph more than any of his other sons" (Genesis 37:3). Jacob later gave Joseph a richly ornamented coat of many colors. Although Jacob had unique treatment toward Joseph, Jacob violated the Uniqueness Principle. Jacob did not love his sons equally. Equal love often requires unique treatment. As stewards of God’s resources, we are called to manage them wisely, ensuring that our decisions reflect both love and responsibility. The Three Questions That Changed Everything That said, we aren’t saying that it is better to leave different amounts to children. Instead, following a systematic process is the key to wise decisions. When making wealth transfer plans, Ron encourages parents to ask themselves three key questions: It’s helpful to ask yourself three questions: The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that’s not the objective of these questions. The goal is to guide you toward a well-thought-out decision. Ultimately, wealth transfer should reflect God’s wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered. So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God’s wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible. On Today’s Program, Rob Answers Listener...

“And he died for all, that those who live might no longer live for themselves but for him who for their sake died and was raised.” - 2 Corinthians 5:15. Most of us view our income as God’s primary way of providing for us—and then, almost as an afterthought, we consider giving. But what if Scripture teaches the opposite? Paul David Tripp is here to flip our theology of money upside down. Paul David Tripp is the president of Paul Tripp Ministries, a pastor, best-selling author, and international conference speaker with a heart for connecting the transforming power of Jesus Christ to everyday life. He has written over thirty books and resources on Christian living, including Redeeming Money: How God Reveals and Reorients Our Hearts. Why We Struggle to Be Generous Sin causes us to live with an obsessive self-focus, and money often becomes the most obvious place that focus shows up. We think first about what we need, want, and what dreams money can buy…and only then might we consider being generous with it. We need to recognize the tension between what God intends for our money, what we say we believe about Him, and how we actually live that out through our bank accounts.” Reversing the Order: What If Generosity Came First? Here’s the big idea that flips our theology of money on its head: Most of us view our income as God’s primary way of providing for us—and then, as a sort of afterthought, He also calls us to give. But what if Scripture actually teaches the opposite? What if God’s primary purpose for money is that we would be participants in His generosity story? And then, almost as an afterthought, He uses it to meet our daily needs?” This idea is rooted in Jesus' words in Matthew 6:19–34, the “Treasures in Heaven” section of the Sermon on the Mount. Jesus teaches that financial peace begins not with budget-savvy spreadsheets but with trust: You have a heavenly Father who knows what you need and promises to provide. Here are just a few of those promises: Philippians 4:19—“And my God will supply every need of yours according to his riches in glory in Christ Jesus.”Matthew 6:31–32—“Do not be anxious… your heavenly Father knows that you need .”Luke 12:24—“Consider the ravens…yet God feeds them. Of how much more value are you than the birds!”If God has taken the burden of provision off our shoulders and onto His, then we’re free to have a bigger, more beautiful vision for our money. A Transformed Purpose: From Getting to Giving When we understand that provision is God's job and generosity is our calling, we begin to see money differently. Paul highlights Ephesians 4:28 to illustrate this: "Let the thief no longer steal, but rather let him labor, doing honest work with his own hands, so that he may have something to share with anyone in need." Here’s what’s striking: The passage doesn’t say, “so he can legally provide for himself.” The focus shifts from self-centered stealing to God-honoring generosity. It’s not just a change in behavior—it’s a complete transformation of the heart. God’s grace reorders our motives. Without this grace, our pursuit of money will always drift toward self. And we’ll try to squeeze God into the leftovers. More Than Mechanics: Recovering the Bigger Picture Paul also notes that many Christians get stuck in the mechanics of money: These are good and necessary questions, but if we focus only on them, we miss the greater story. Instead of starting with ourselves and hoping something is left for God, Scripture invites us to flip that approach. We’re called to live as God’s generous ambassadors on earth, using our money as an act of worship, love, and service. It’s not about ignoring bills or forsaking grocery runs—it’s about reordering our hearts. Freedom Through Generosity May God, in His faithful grace, continue to liberate us from our bondage to ourselves. He will liberate our wallets from their bondage to self-focus as He does. This isn’t just about giving more—it’s about being...

“Where your treasure is, there your heart will be also.” — Matthew 6:21 When Jesus said those words, He wasn’t just giving us a lesson on giving or saving. He was getting to the root of something much deeper: our hearts. At Faith & Finance, we often say that money touches every part of life, but the most important part is our spiritual life. Our financial decisions, priorities, and fears don’t just reflect our budgets—they reflect our beliefs, values, and, ultimately, our worship. Let’s explore how our money issues are really heart issues—and what that means for how we live and give. More Than Just a Tool Many people see money as a neutral resource—a tool to earn, spend, save, or give. But Scripture reveals that money has much more influence than we realize. It can: That’s why issues like debt, greed, anxiety, or even generosity aren’t primarily financial—they’re spiritual. When we overspend to maintain a lifestyle, is it because our identity is tied to our possessions? When we obsess over savings or investments, is it because we trust our bank account more than we trust God? When we hesitate to give, are we being ruled by fear of not having enough? In this way, money becomes a spiritual thermometer—measuring our faith and showing us where our hearts truly rest. The Rich Young Ruler: A Heart Exposed One of the clearest biblical examples of this dynamic is the story of the rich young ruler in Mark 10:17–22. Eager to inherit eternal life, this man claimed to have kept all the commandments. But Jesus knew his heart. “Go, sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me.” — Mark 10:21 The man walked away, sorrowful. His wealth had a stronger grip on his heart than his desire to follow Jesus. His struggle wasn’t with budgeting—it was with idolatry. As John Calvin famously said, “The human heart is an idol factory.” We all have things we cling to—things we’re tempted to trust more than God. The rich young ruler’s story invites us to ask: What would make us walk away from Jesus? If the answer is money, then our issue isn’t financial—it’s spiritual. When Money Reveals Fear, Not Just Greed Of course, not everyone struggles with greed. Some struggle with fear. Jesus spoke to this often. In Matthew 6:25–34, Jesus tells us not to worry about food, drink, or clothing. If God cares for the birds of the air and the flowers of the field, how much more will He care for His children? Financial anxiety reveals something crucial: a lack of trust in God’s provision. When we believe our well-being depends entirely on our ability to earn, save, or invest, we carry a weight God never intended us to bear. This doesn’t mean we shouldn’t plan wisely—but it does mean that financial stress often signals a deeper spiritual need to trust God’s character and promises. Generosity: A Window Into the Soul If money is a heart issue, then our generosity—or lack of it—speaks volumes. The early church in Acts was known for radical generosity. Believers sold possessions and shared what they had to meet each other’s needs. Why? Because the gospel had transformed their hearts. Their giving flowed not from guilt but from grace. C.S. Lewis once wrote, “Every faculty you have…is given you by God. If you devoted every moment of your whole life exclusively to His service, you could not give Him anything that was not in a sense His own already.” True generosity doesn’t come from obligation—it comes from a heart that knows everything belongs to God. So ask yourself: Do I see money as mine to control or God’s to steward? Do I give joyfully—or do I give reluctantly, out of fear? Transforming Our Financial Hearts Since money problems are ultimately heart problems, the solution goes beyond budgeting tools and interest rates (as helpful as those are). What we need most is heart transformation. Here are four truths to guide your financial discipleship: 1. Recognize That Money Is a Test of...

“A slack hand causes poverty, but the hand of the diligent makes rich.” — Proverbs 10:4 At Faith and Finance, we believe the Bible offers timeless financial wisdom—and sometimes, that wisdom shows up in the form of gentle correction. Let’s face it: we all make financial missteps—some intentional, others unintentional. But every mistake is an opportunity to grow in wisdom and stewardship. If you’ve made some poor decisions with your money, don’t let Proverbs 10:4 discourage you. Instead, take heart in Proverbs 19:20: “Listen to advice and accept instruction, that you may gain wisdom in the future.” Let’s walk through six money mistakes that can quietly erode your wealth—and how to avoid or correct them with diligence and wisdom. 1. Living Paycheck to Paycheck One of the most common financial traps is spending everything you earn. When there's nothing left over at the end of the month, you're missing an essential part of wise stewardship: saving. The solution? Pay yourself first. Start by setting up an automatic transfer from your checking account to your savings. Even if it’s a small amount, consistency is key. Adjust your monthly spending to fit what remains. Yes, it might mean cutting back on things you've grown used to, but almost everyone can trim something from their budget. Aim to save at least 10% of your income. Over time, this will build your financial margin and peace of mind. 2. Not Having an Emergency Fund Without savings, every unexpected expense becomes a crisis. And that leads to our next mistake—debt. Once you’ve begun setting money aside, build your emergency fund. Start with a goal of three months’ worth of living expenses and work your way up to six. This financial cushion protects you from having to rely on credit when life throws a curveball. 3. Paying Interest on Consumer Debt Without savings, many people make the costly mistake of using credit cards to cover emergencies. If you carry credit card debt, the biggest mistake you can make is only paying the minimum. Take a close look at your statement—it may show how long it’ll take to pay off your balance at the minimum payment. The number might shock you: 15 years or more. Reframe your spending by asking, "What is this really costing me?" A $30 dinner paid with a credit card could cost $60 or more by the time it’s paid off. That’s not good stewardship. 4. Buying a New Car (When You Can’t Afford It) There’s nothing wrong with buying a new car—if you can pay cash for it. That’s the key. Instead of taking on car loans, aim to pay cash for your vehicles, new or used. After you pay off your current car loan, keep making those same “payments”—but to yourself. Put them in a savings account and use that money to purchase your next car. It may take a few vehicles to get there, but eventually, you'll be able to pay cash—and that will be a glorious day. 5. Not Opening a Roth IRA Especially if you're young, not opening a Roth IRA is a missed opportunity for long-term, tax-free growth. Once your emergency fund is in place, consider contributing to a Roth IRA, even if you’re already contributing to a 401(k) at work. In 2025, you can contribute up to $7,000 annually to a Roth IRA—or $8,000 if you're age 50 or older. Because you're contributing after-tax dollars, your qualified withdrawals in retirement will be tax-free. That’s a powerful way to build lasting wealth. 6. Buying Too Much House Homeownership can be a blessing, but only if approached wisely. Spending too much on a house can strain your budget, robbing you of financial flexibility and peace. A manageable mortgage, combined with consistent savings, puts you on a path toward financial stability and positions you to honor God with greater freedom and generosity. We all make mistakes with money, but we don’t have to stay stuck in them. God’s Word is full of grace and wisdom. When we humbly receive correction and take steps toward diligence, we grow not only in financial strength but...

"But seek first the kingdom of God and His righteousness, and all these things will be provided for you." – Matthew 6:33 This verse calls us to put God’s Kingdom first in every aspect of our lives—including our investments—trusting that He will provide and use our efforts to advance His purposes. Today, Will Lofland joins us to share how that’s happening right now. Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone’s shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility. Who Is Guidestone? Guidestone is more than a financial services firm—it's a ministry to ministries. It is focused on serving ministries in all financial aspects of their work, including retirement plans, insurance solutions, wealth management, and the nation’s largest Christian-screened mutual fund family. By equipping ministries with financial stability and security, Guidestone helps leaders focus more fully on spreading the gospel. Their services are designed to remove the weight of financial anxiety so that pastors, missionaries, and nonprofit leaders can flourish in their callings. What makes Guidestone unique is its unwavering commitment to honoring God with every dollar invested. Through rigorous Christian values screening, corporate engagement, and impact investing, it ensures that each fund reflects biblical principles. Guidestone’s Impact Funds are an extension of this stewardship philosophy. Launched just before 2020, these funds go beyond avoiding harmful investments—they proactively invest in companies, projects, and causes that create meaningful change. Take the Impact Bond Fund, for example. It invests in projects like: They believe that if we are truly stewards of God’s resources, we want to invest in a manner that honors God and His purposes for human flourishing. Introducing the Kingdom Causes Program While securities can create positive change, their reach has limits. That’s where Guidestone’s Kingdom Causes program comes in. Born out of the Impact Funds initiative, Kingdom Causes donates 20% of the advisory revenue generated by the Impact Funds and supplements it with additional funding. Since 2020, they’ve donated nearly $750,000 to ministries advancing the gospel and protecting life. Their giving is focused on two core pillars: From local to global, the ministries they support reflect these values. Ministries Making a Difference Local Impact: Prestonwood Pregnancy Center Located in the Dallas area, this center is an extension of Prestonwood Baptist Church and serves women with compassionate care and gospel-centered support during unplanned pregnancies. They provide honest care, real information, and a strong infrastructure to support needy women. National Reach: Psalm 139 Project This initiative provides ultrasound machines and resources to pregnancy centers nationwide, reinforcing the value of life and empowering expectant mothers. Meeting Physical Needs in the Name of Jesus Guidestone also supports ministries that serve practical needs as an avenue for gospel outreach. Send Relief A joint venture between the International Mission Board (IMB) and the North American Mission Board (NAMB), Send Relief addresses urgent needs like the following: These efforts not only meet physical needs but also open doors for evangelism. Faith-Based Content for Kids: Meet Minno Recognizing the need for Christ-centered media, Guidestone supports Minno, a streaming platform offering biblically grounded content for children. It gives parents peace of mind knowing their kids are watching wholesome, faith-filled shows. Discipling the Forgotten: Prison Ministries Two standout organizations Guidestone supports are: Prison Fellowship: Prison Seminaries Foundation:These ministries are transforming lives behind bars, raising disciple-makers where they’re least...

"Wealth gained hastily will dwindle, but whoever gathers little by little will increase it." — Proverbs 13:11 This verse offers a powerful lesson on financial stewardship—true and lasting wealth isn’t built through shortcuts or speculation but through steady diligence and faithful management. In today’s fast-paced world, financial success is often measured by how quickly one can accumulate wealth. Social media is filled with stories of overnight millionaires, high-risk investments, and shortcuts to riches. But is this the right approach? Let’s explore how this biblical principle plays out in real life. The Temptation of Instant Wealth To illustrate this principle, let’s look at the real-life story of an executive at a major Western bank—we’ll call him Brian to protect his anonymity. Brian began his finance career in the 1990s, confident in his ability to manage money. However, he now admits that he was living beyond his means and accumulating debt. This financial instability made him especially susceptible to the allure of quick wealth, particularly during the height of the dot-com boom in the early 2000s. When a coworker offered him a chance to get in on the ground floor of a "can’t lose" tech startup, Brian didn’t hesitate. He scraped together $10,000, convinced he was on the fast track to wealth. In his mind, success was inevitable—he was already preparing to celebrate. But before he could, Brian heard the sound of the dot-com bubble bursting. His investment vanished, lost in a company he knew little about. He had chased quick wealth only to face the painful consequences. His story echoes the warning of Proverbs 28:20: "A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished." The Consequences of Chasing Quick Wealth It’s important to understand that God doesn’t sit around waiting to punish people for making bad financial choices. Instead, He may allow those poor decisions to lead to their natural consequences. Proverbs 13:11 teaches that when money is gained too quickly—whether through reckless speculation, gambling, or unethical shortcuts—it often lacks a foundation of wisdom and discipline, making it easy to lose. 1 Timothy 6:9-10 warns: "Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs." Many people experience financial hardship because they prioritize speed over stewardship. But God has a better way. The Power of Slow, Faithful Growth If Proverbs 13:11 warns against hasty wealth, it also points us to a better way: "Whoever gathers little by little will increase it." This principle isn’t flashy, but it’s powerful. True financial growth happens gradually through wisdom, patience, and discipline. Rather than seeking quick riches, God calls us to: Financial success isn’t about speed—it’s about faithfulness over time. Or, as the late Eugene Peterson put it so well, it’s about “long obedience in the same direction.” Brian’s Financial Redemption Brian’s story didn’t end with financial ruin. Instead of giving up, he decided to take a biblical money management class through his church. That’s when things started to turn around. He learned to be more disciplined with his finances—budgeting, saving, and living within his means. Eventually, he began investing again, but this time, he avoided speculation and focused on something he understood: real estate. He started small, took his time, and remained patient. Because he wisely managed his investments, his real estate holdings survived the housing crash and the Great Recession. Over time, he even started a fitness-related business with his son—something he had always dreamed of. That business survived the challenges of COVID-19 and is still thriving today. Brian’s...

"Behold, children are a heritage from the Lord, the fruit of the womb a reward." – Psalm 127:3 Children are a precious gift from God—a reward and a heritage to be cherished. With the incredible joy of welcoming a newborn also comes great responsibility, especially in managing finances wisely. To help new parents navigate this season, here’s a New Baby Financial Checklist to ensure you’re covering all the essential financial bases. 1. Add Your Newborn to Your Health Insurance In the whirlwind of 2 AM feedings and endless diaper changes, don’t let updating your health insurance slip through the cracks. Most plans allow a 30-day window after birth to add your baby to your policy. While you’re at it, double-check that your plan covers: Thankfully, welcoming a new baby qualifies as a “life event,” meaning you can make necessary adjustments to your plan. 2. Secure Life Insurance Coverage Life insurance isn’t for the baby—it’s for you. Ensure you have a term life policy that provides at least 10 times the primary breadwinner’s salary in coverage. Don’t overlook the caregiving spouse, either! If something were to happen to them, the cost of childcare could be significant. Securing life insurance ensures financial stability for your growing family. 3. Update Your Budget It’s time to add a “Baby” category to your budget. When estimating how much to allocate, consider these new expenses: These costs add up quickly. You may need to adjust other budget categories to stay on track, but planning ahead will reduce financial stress down the road. 4. Create or Update Your Will A will isn’t just about distributing assets—it’s about securing your child’s future. One of the most critical decisions in your will is naming a guardian for your child in case both parents pass away. While this can be a difficult decision, it’s essential to have a plan in place. Pray for wisdom and choose someone who shares your values and would provide loving care if the unthinkable happens. Proverbs 13:22 reminds us: “A good man leaves an inheritance to his children’s children…” This inheritance isn’t just financial—it includes faith, wisdom, and values that shape their future. 5. Build or Strengthen Your Emergency Fund If you don’t already have an emergency fund, now is the time to start. Aim for 3 to 6 months’ worth of living expenses in savings. A new baby comes with many surprise costs, from medical bills to strollers that cost more than you expected. If a financial emergency—like a job loss—were to happen, having this cushion would be a huge blessing. 6. Update Your Taxes With the arrival of your baby, your tax situation changes: Child Tax Credit—You can claim your baby as a dependent on your tax return, which may qualify you for a $2,000 tax credit. Adjust Your W-4—Update your W-4 form at work to ensure your withholding reflects your new family size. You may be able to withhold less, increasing your take-home pay. 7. Start an Education Savings Fund It may feel early, but saving for your child’s education now can set them up for success. A 529 plan is a great option—it can be used for: 529 plans also offer tax-free growth on investments used for qualified educational expenses. Bonus: Recent tax law changes now allow unused 529 funds to be rolled into a child’s Roth IRA (up to $35,000), making them even more beneficial! 8. Freeze Your Child’s Credit Identity theft isn’t just an adult problem—it can happen to children, too. If you’ve applied for a Social Security number for your baby, consider placing a credit freeze with the three major credit bureaus. This prevents fraudsters from opening accounts in your child’s name, protecting their financial future. Welcoming a new baby is an incredible blessing, but it also comes with financial adjustments. By taking these steps, you can ensure a secure and stable future for your family. Have you checked off all the items on this list? Start today and take one step at a time—you’ve got...

“We love because He first loved us.” – 1 John 4:19 Those six words beautifully capture the foundation of our relationship with God—we can only love and give because He first gave to us. Today, Sharon Epps joins us for a fascinating discussion on the generosity of women in the Bible. Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. The Women Who Provided for Jesus Luke 8:1-3 records an often-overlooked detail: “Soon afterward, He went through cities and villages, proclaiming and bringing the Good News of the Kingdom of God. And the twelve were with Him, and also some women who had been healed of evil spirits and infirmities: Mary, called Magdalene, from whom seven demons had gone out, and Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.” This passage tells us three key things: One of these women, Joanna, stands out in particular. Joanna: A Woman Transformed by Jesus Joanna was the wife of Chuza, King Herod's household manager. Thus, she likely had significant wealth and lived a royal lifestyle. Yet, despite her status, she was weakened when she met Jesus. She needed healing, and her first act of generosity was actually receiving—not giving. This is a powerful reminder: Before we can give, we must first receive. What Does This Teach Us? Money alone doesn’t solve all problems—Generosity starts with receiving—God uses people from all walks of life—Receiving Before We Give Joanna’s story reminds us of an important biblical truth: we can only give what we have first received. 1 Corinthians 4:7 asks: “What do you have that you did not receive?” The answer? Nothing. Everything—our breath, skills, love, wisdom, and financial resources—is a gift from God. We receive, then we give, creating a virtuous cycle of generosity that mirrors God’s own generosity toward us. Three Key Questions to Consider: These questions challenge us to shift our perspective—to see giving not as an obligation but as an overflow of what we have already been given. The Motivation Behind Joanna’s Generosity Why did Joanna give so generously? Gratitude. Later, in Luke 24, we find Joanna at Jesus’ empty tomb. She was among the women who encountered the angels, remembered Jesus’ words, and ran to tell the apostles. Her journey shows a progression: Her generosity wasn’t just about money—it was about devotion. She gave because she loved Jesus deeply. Lessons in Generosity As we reflect on Joanna’s story, here are some key takeaways we can walk away with: 1. Generosity is a Journey Our relationship with Christ fuels our generosity. The deeper our love for Him, the more naturally we want to give. 2. We Must Receive Before We Can Give We often think about generosity in terms of money, but we also receive: Life itself—Skills and abilities—Love from God and others—3. Giving is an Act of Worship Joanna’s giving wasn’t transactional—it was an expression of extravagant love for Jesus. She gave freely because she had freely received. As we reflect on Joanna’s story, let’s ask ourselves: These questions can reshape our perspective on generosity, helping us move from obligation to joyful, faith-driven giving. Joanna’s story reminds us that generosity is not about wealth—it’s about the heart. As we receive from Christ, we are called to pass it on—whether through finances, service, or sharing the gospel. May we, like Joanna, be conduits of Christ’s love, reflecting gratitude, devotion, and generosity in all we do. On Today’s Program, Rob Answers Listener Questions: 'heirs of my body.'Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear...