Faith & Finance

What if giving is not losing at all, but investing in what lasts forever? Jesus tells us in Matthew 6:20 to “store up for yourselves treasures in heaven.” That one command reshapes the way we think about money, possessions, and generosity. Wealth can be dangerous when it owns us, but when it is surrendered to God, it can become a powerful tool for eternal good. Randy Alcorn, bestselling author and founder of Eternal Perspective Ministries (EPM), has spent decades helping Christians think biblically about money, possessions, generosity, and eternity. His message is both sobering and hopeful: wealth is a test, but it can also become a tool for God’s Kingdom. Money Reveals the Heart Money has a powerful influence on our spiritual lives because it reveals what we truly value. Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.” The way we handle money is not separate from our discipleship. It shows what we trust, what we prioritize, and where our affections are directed. As Alcorn explains, money is not spiritually insignificant. It has power. Either it will serve God, or we will find ourselves serving it. That is why Scripture speaks so directly about the danger of loving money. In 1 Timothy 6:9–10, Paul warns that “those who desire to be rich fall into temptation, into a snare,” and that “the love of money is a root of all kinds of evils.” He goes on to say that some have wandered from the faith and pierced themselves with many griefs. Those are sobering words. Money is a good gift from God. It can provide for needs, bless families, support ministry, and help those who are suffering. But when it becomes the object of our trust or the center of our affections, it competes with God for our hearts. Wealth Is Both a Tool and a Test The danger of wealth is real, but it is not the whole story. Money surrendered to God can be used in deeply meaningful ways. It can help advance the gospel. It can meet practical needs. It can support Bible translation, provide clean water, help rescue those trapped in exploitation, care for the vulnerable, and strengthen the work of the local church. Money is not the source of transformation—God is. But God often uses the resources of His people to accomplish His purposes in the world. That is why faithful stewardship begins with surrender. We come before the Lord and say, “This all belongs to You. What do You want me to do with it?” When wealth is surrendered to God, it loses its grip on our hearts and becomes an opportunity to participate in His redemptive work. Giving Is Investing in Eternity Jesus’ command to store up treasures in heaven reframes generosity. Giving is not merely parting with money. It is investing in what lasts. Alcorn compares this to investing in a company. When you

Work is not merely a way to make a living. It is also one of the primary ways we love our neighbors. Whether you lead a company, teach a class, manage a home, serve in your church, care for children, volunteer in your community, or invest resources for the future, God has entrusted you with influence. That influence is not accidental. It is part of your stewardship. We often think of stewardship in financial terms—and rightly so. But God has given us more than money to steward. He has also entrusted us with skills, relationships, opportunities, knowledge, experience, and influence. Dr. Amy Sherman has spent years helping Christians see their daily work as a means of seeking the common good and participating in God’s redemptive mission in the world. She calls this vocational stewardship—the faithful use of our work and influence to reflect God’s character, serve others, and contribute to the flourishing of the world around us. What Is Vocational Stewardship? Vocational stewardship begins with the recognition that our work is a gift from God. He has given each of us certain abilities, opportunities, networks, and positions of influence. Some of those gifts are expressed through paid employment. Others are expressed through volunteering, homemaking, caregiving, mentoring, leadership, or service. In every case, the question is the same: How can I use what God has entrusted to me for His purposes? Our work is not simply a platform for earning income. It is a platform for reflecting the kingdom of God. It is one of the places where discipleship becomes visible. That means vocational stewardship is not limited to pastors, missionaries, or people in explicitly ministry-related roles. It applies to business owners, teachers, nurses, engineers, artists, parents, retirees, tradespeople, administrators, and everyone else seeking to serve God faithfully where He has placed them. Wherever we are, God invites us to ask: How can my work help others experience something of His goodness, justice, beauty, compassion, and care? More Than Integrity at Work Faithful work certainly includes character. Christians should be honest, dependable, compassionate, and hardworking. We should do our work with integrity, humility, and excellence. But vocational stewardship presses us to go a step further. It asks us not only to consider how we do our work, but also what our work contributes. What does my work make possible for others?  How does it affect employees, customers, clients, families, communities, or creation?  Does it contribute to healing, order, beauty, justice, provision, or human flourishing? Does it help people experience a small glimpse of what God intends for His world? These questions help us see work as part of God’s larger redemptive purposes. A Foretaste of God’s Kingdom

Some of the costliest financial mistakes are made in isolation. When big decisions come our way, pride and pressure can convince us that we need to figure everything out ourselves. But God designed us to walk in community, and His wisdom often comes through trusted voices. Seeking wise counsel is not a sign of weakness—it is a key part of faithful stewardship. Have you ever faced a financial decision that felt heavier than your confidence could carry? Maybe it was whether to buy a home. Perhaps it was changing careers, helping aging parents, navigating a difficult season in marriage, or deciding how to prepare for retirement. In those moments, the questions come quickly: What if I get this wrong? What if I overlook something important? What if I regret this later? And often, beneath all of those questions is the assumption that you should be able to figure it out by yourself. But God never intended for you to walk through life’s biggest decisions alone. Wisdom Often Comes Through Community One of the clearest themes in Scripture is that wisdom often comes through community. Proverbs 11:14 says, “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” That is not only a proverb about leadership. It is a principle for everyday life—including our finances. Sometimes we think wisdom is found only in personal research, spreadsheets, calculators, or online content. Those tools can certainly be helpful. But biblical wisdom is more than information. It includes discernment, humility, perspective, and the willingness to receive insight from others. That is why Proverbs 12:15 says, “The way of a fool is right in his own eyes, but a wise man listens to advice.” Notice the contrast: foolishness is not always recklessness. Sometimes it is simply refusing to listen. Wisdom begins when we acknowledge that we may not see the whole picture. And that takes humility. Humility Opens the Door to Wisdom Proverbs 9:10 tells us, “The fear of the Lord is the beginning of wisdom.” To fear the Lord means recognizing that God is God and we are not. We submit our plans, our preferences, and even our financial assumptions to Him. We stop asking only, “What do I want to do?” and begin asking, “Lord, what would You have me do?” That kind of humility also opens us to receive the people God may use in our lives. Sometimes that person is a mentor who has walked through a season you are now entering. Sometimes it is a trusted friend who knows you well enough to ask hard questions. Sometimes it is an older believer whose experience can spare you from avoidable mistakes. And sometimes it is a professional advisor who brings technical expertise shaped by biblical values, such as a Certified

Pastor Rick Warren once said, “The way you store up treasure in heaven is by investing in getting people there.” That’s a powerful statement—and it raises an important question: What does it really mean to store up treasure in heaven? Jesus speaks directly to this in Matthew 6:20, where He says, “Lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.” That word “treasure” is striking. In Greek, the word is thēsauros—the same root from which we get the word “treasury.” It describes something stored safely for the future. But Jesus isn’t describing a spiritual savings account filled with gold and silver. He’s pointing to the lasting fruit of a life lived in alignment with God’s Kingdom. Notice that Jesus doesn’t say, “Don’t have treasure.” He says, “Store your treasure in heaven.” In other words, what we invest in God’s purposes today carries eternal significance. What Are Eternal Rewards? In 1 Timothy 6:18–19, Paul writes that believers are “to do good, to be rich in good works, to be generous and ready to share, thus storing up treasure for themselves as a good foundation for the future, so that they may take hold of that which is truly life.” That final phrase matters: “that which is truly life.” The reward is not merely something we receive later. It is the fullness of life that comes from walking in step with Christ—now and forever. The early church understood this well. Augustine wrote in The City of God, “God Himself, who is the author of virtue, shall there be its reward, for as there is nothing greater or better, He has promised Himself.” In other words, the greatest reward of eternity is not something we possess, but Someone we know. That is the heart of eternal rewards: deeper fellowship with God, fuller participation in His Kingdom, and the joy of seeing His work unfold through our lives. Money Reveals What We Treasure This is where our finances come in. Jesus often connected money to an eternal perspective because it reveals what we value. When we give generously, serve faithfully, and steward wisely, we are investing in something that lasts beyond the temporary. We are declaring that our hope is not in wealth, comfort, or control, but in God Himself. In Luke 16:11, Jesus says, “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” In other words, how we manage earthly resources reflects whether our hearts are ready for something far greater. Every act of generosity, every decision to trust God rather than money, every sacrifice made for His Kingdom becomes part of a story that continues into eternity. God’s Rewards Are Gifts of Grace Here’s the beautiful truth: God’s rewards are never wages. They are gifts.</strong

Imagine if a quarter of our country suddenly had to flee their homes—unsure where they would sleep, how they would eat, or what tomorrow might bring. That is the kind of crisis many families in Lebanon are facing today. Innocent men, women, and children are caught in the middle of another humanitarian disaster, and the needs are urgent. But even in the pain and uncertainty, God is opening doors for His people to bring practical help and the hope of Christ. This quarter, FaithFi is partnering with Heart for Lebanon, a trusted ministry serving families on the ground with food, shelter, trauma care, and gospel-centered support. Camille Melki, co-founder and CEO of Heart for Lebanon, joined us today to share what families are experiencing—and how believers can respond. A Ministry Born in Crisis Camille knows the pain of war personally. He was just nine years old when Lebanon’s brutal 15-year civil war began in 1975. His wife, Hoda, was eight. Decades later, in 2006, another conflict led them to launch Heart for Lebanon. The mission was clear from the beginning: to move people from despair to hope in Christ. Today, Lebanon’s situation remains complicated and heartbreaking. Families from different religious and ethnic backgrounds are being displaced and forced into unfamiliar communities. Many have lost homes, loved ones, and any sense of security. Yet Camille sees something else as well: a bold opportunity to share the gospel with people who may never have had access to it before. As he put it, while innocent civilians continue to pay the highest price, “the mission of the church is still the same.” Families Facing Fear, Loss, and Trauma Many families in Lebanon have been displaced more than once. They are living with broken infrastructure, overwhelmed systems, and the emotional weight of war. Children, especially, are carrying deep trauma from what they have seen and heard. Camille shared the story of Gaia, a woman from Syria who had fled war with her husband and daughter and settled in southern Lebanon. She and her family came to faith through Heart for Lebanon’s Hope Evangelical Church. Then the violence reached their neighborhood. Gaia had just spoken with her neighbors before lunch. Minutes later, those neighbors were killed in attacks. Her home was badly damaged, and she and her husband—who is terminally ill with cancer—were injured. When Heart for Lebanon’s team finally reconnected with Gaia, and she was able to return to church, she said that hearing the Word of God made the heavy burden on her heart feel lighter. The fear had not disappeared completely, but she no longer felt alone. Through Heart for Lebanon, she experienced the tangible love of Christ.

“Abundance isn’t God’s provision for me to live in luxury; it’s His provision for me to help others live.” That line from Randy Alcorn captures the heart behind a financial finish line. When God entrusts us with more, the question is not simply, “How much can I keep?” but “How much can I use for His purposes?” Cody Hobelman, Certified Financial Planner and Certified Kingdom Advisor, joined the show today to share how that question became deeply personal in his own life. Along with his brother Keelan, Cody contributed to FaithFi’s new Field Guide, How Much Money Is Enough? But before he taught others how to set a financial finish line, he had to wrestle with it in his own context. The Early Pull of Accumulation Early in his career, Cody’s view of money was much like that of many people. He wanted a large income, growing wealth, and the kinds of opportunities that seemed to promise happiness and success—perhaps vacation homes, financial freedom, and a comfortable lifestyle. Those goals were not unusual. Many people begin their careers with an eye toward building, earning, and accumulating. But over time, Cody began to sense that something was missing. After college, he returned to church and began reading Scripture for himself. What stood out to him was how often Jesus spoke about money. Those passages began to reshape the way he viewed his role in managing what God had entrusted to him. When Obedience Begins to Reshape the Heart At the end of 2016, Cody’s church went through a series on managing money biblically. At the conclusion, the congregation was invited to commit to tithing in the coming year. After prayer and conversation with his wife, Steph, Cody decided to begin giving 10% of his income to the church in 2017. That step mattered. It was his first move into intentional giving. He began to see that not every dollar he earned had to serve his own lifestyle. God gives resources with purpose, and giving helped Cody begin to discover that purpose. But as he later reflected, his generosity at that stage still felt like “checking the box.” He was giving, but accumulation remained the deeper goal. Tithing became a generous layer atop a life still largely centered on earning, comparing, and building more. He realized he was trying to serve both God and money. The Question That Changed Everything In 2020, Cody’s brother Keelan invited him to consider a simple but life-altering question: “How much is enough?” In other words, if God provided more income over the course of his career—or even in a single year—how would Cody know how much was enough to spend on his own lifestyle? And how could he create margin so that additional resources could be used for God’s purposes? At first, Cody resisted the conversation. But he could not escape the realiza

If you’re drowning in debt and someone offers a lifeline, make sure it’s not really an anchor. When debt feels overwhelming, it’s natural to look for a way out. And there are several options that sound helpful at first: debt consolidation, debt settlement, and debt management. But while those terms are sometimes used interchangeably, they are not the same—and they can lead to very different outcomes. Neile Simon, a Certified Credit Counselor with Christian Credit Counselors (CCC), joined the show today to explain the differences and help listeners understand which approach best reflects both financial wisdom and biblical responsibility. Debt Consolidation: A Quick Fix With Real Risks Debt consolidation is often appealing because it rolls multiple debts into one new loan. Instead of making several payments to different creditors, you make one payment on the consolidation loan. That may sound simpler and, in some cases, reduce confusion. But Neile explains that these loans often come with interest rates between 15% and 22%, depending on your credit score. And while consolidation may feel like a fresh start, it does not necessarily solve the deeper problem. The biggest risk is that consolidation allows you to keep your credit card accounts open. If spending habits don’t change, many people end up running up new credit card balances while still owing on the consolidation loan. In other words, consolidation can turn one debt problem into two. Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Debt freedom usually doesn’t come through a quick fix. It comes through steady, faithful steps over time. Debt Settlement: A Dangerous Path Another option people often hear about is debt settlement. These companies typically promise to negotiate with creditors so you can pay less than the full amount owed. But Neile warns that debt settlement can be misleading and financially damaging. In many cases, debt settlement companies require you to stop paying your creditors. That means your credit may be severely damaged, and the impact can be almost as serious as bankruptcy. There are other consequences as well. Any forgiven debt may be treated as taxable income, and you may receive a 1099-C at the end of the tax year. In addition, after a period of nonpayment, creditors may pursue legal action, which could result in liens on property or wage garnishment, depending on your state. For Christians, there’s also a biblical concern. Psalm 37:21 says, “The wicked borrows but does not pay back.” Whil

Corrie ten Boom once said, “If the devil can’t make you sin, he’ll make you busy.” That’s a sobering thought, especially in a world where many of us feel like life is moving faster than we can keep up. Deadlines, family responsibilities, bills, errands, emails, appointments, and unexpected needs can make every day feel like a sprint. And when life moves that fast, it’s easy to make financial decisions on the fly. We don’t always neglect stewardship out of carelessness. Sometimes, we neglect it because we’re tired. We stop paying attention. We spend reactively instead of prayerfully. We put off conversations we need to have. We ignore creeping lifestyle inflation. We delay generosity until things “settle down.” Before long, the pace of life begins shaping our financial decisions more than the wisdom of God does. The Spiritual Danger of Distraction Busyness can be more spiritually dangerous than it first appears because it doesn’t always oppose faithfulness with rebellion. Sometimes it opposes faithfulness with distraction. Jesus warned about this in Luke 8, when He described the seed that fell among the thorns. He said it was choked by “the cares and riches and pleasures of life” (Luke 8:14). In other words, ordinary life can become so crowded that it chokes out what truly matters. We can spend hours worrying, scrolling, comparing, impulse buying, chasing the next opportunity, or reacting to every headline while neglecting the simple habits that build faithful stewardship: planning, giving, saving, communicating, and trusting God. Jesus highlights a similar tension in Luke 10. Martha is working hard, serving diligently, and doing good things. But Mary is sitting at Jesus’ feet, listening. Jesus gently says, “Martha, Martha, you are anxious and troubled about many things, but one thing is necessary” (Luke 10:41–42). Martha wasn’t doing something sinful. She was doing something useful. But even useful things can become disordered things when they crowd out what matters most. That applies to stewardship, too. It’s possible to work hard, earn income, pay bills, and stay active, yet slowly lose sight of the heart of stewardship: trusting God, aligning our resources with His priorities, and handling money with wisdom and intentionality. Stewardship Is Worship Stewardship is never just about transactions. It’s about worship. Every dollar we earn, spend, save, or give becomes an opportunity to express what we believe about God. Do we trust Him? Do we believe He is our provider? Do we see money as ours to control—or His to manage? That’s why financial faithfulness requires more than good intentions. It requires margin—not just margin in your bank account, but margin in your soul. Dallas Willard once said, “Hurry is the great enemy of spiritual life in our day.” That certainly has implications for our finances as well.

Summertime is here. And while kids may be counting down the days until school is out, parents and grandparents may be counting something else—the cost. Keeping kids entertained during the summer does not have to break the bank. In fact, some of the best memories do not come from expensive outings. They come from creativity, time together, and a little planning. It is tempting to spend our way into a good time. A movie with popcorn and drinks can easily become a costly outing for a family. A trip to a major league ballpark can cost even more. But meaningful family fun does not have to come with a high price tag. Here are ten fun, meaningful, and free things your family can do this summer. 1. Visit the Library Today’s libraries are more than shelves of books. Many host summer reading challenges, puppet shows, craft days, Lego clubs, and other free activities for kids. A trip to the library builds lifelong learning habits, encourages imagination, and gives children a healthy break from screen time. It is a simple summer win for the whole family. 2. Have a Themed Movie Marathon Movie nights are always fun, but you can make them even more memorable with a theme. Dress up like your favorite characters, make homemade popcorn, and watch movies you already own or can stream for free through your library. It is a cozy, low-cost way to enjoy time together without leaving home. 3. Check Your Community Calendar Many towns and cities host free summer concerts, outdoor movie nights, festivals, parades, and family events. These gatherings are not only enjoyable; they also help families connect with their neighbors and experience the gift of community. Scripture often reminds us that we were not made to live in isolation, and summer can be a wonderful time to build those local connections. 4. Plan a Backyard Campout You do not need a mountain getaway to go camping. Pitch a tent in the backyard, roast marshmallows, tell stories, and spend time under the stars. You can also take a few moments to marvel at the night sky together. Psalm 8:3–4 says, “When I look at your heavens, the work of your fingers, the moon and the stars… what is man that you are mindful of him?” A backyard campout can become a simple opportunity to worship the God who made the heavens and cares for us. 5. Host a Yard Sale A yard sale can be more than a way to clean out the garage. Let your kids gather items, price them, and help run their own mini shop. This can teach stewardship, contentment, and generosity—especially if they choose to give a portion of the proceeds to someone in need. 6. Try Geocaching If your family enjoys a good treasure hunt, geocaching can be a fun adventure. All you need is a smartphone and a free app to begin searching for small caches hidden throughout your community. It is a great way to explore new pl

Over the past decade, U.S. stocks have been the center of the investing universe. And for good reason—the U.S. market remains one of the strongest and most influential in the world. But wise investing is not simply about looking at where the market has been. It also means asking where opportunities may be emerging next. That raises an important question: Should investors consider looking beyond U.S. markets? On today’s show, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, says the answer is worth careful consideration. While U.S. stocks remain important, global markets, currencies, and economic leadership are always changing. For investors seeking wise diversification, international investing may deserve a closer look. Why Consider International Investing? Historically, one of the main reasons to own international stocks has been diversification. Decades ago, foreign markets often moved more independently from U.S. markets. When U.S. stocks struggle, international stocks might perform better, helping smooth out a portfolio's ups and downs. That benefit has diminished somewhat as globalization has grown. Today, U.S. and foreign markets often move in the same general direction. But diversification is still not the only reason to consider investing abroad. Another reason is opportunity. Many strong companies are based outside the United States. Investors who focus only on domestic markets may miss out on growth taking place in other parts of the world. There is also a broader market-cycle consideration. U.S. and international stocks tend to trade leadership over long periods. One may outperform for a decade or more, and then the pattern can shift. After roughly 15 years of strong U.S. market leadership, foreign stocks may be positioned to become more competitive again. The U.S. Market Is Strong—But Not Permanent The U.S. economy remains the largest and strongest in the world. America benefits from deep capital markets, natural resources, innovation, and relative political stability. Still, Mark points out that U.S. financial assets have been “punching above their weight” for some time. U.S. stocks currently represent a much larger share of global stock markets than the U.S. represents of global economic output. That does not mean U.S. stocks are destined to decline. But it does suggest that today’s level of dominance should not be assumed to last forever. The global economy is shifting toward a more multipolar world, where economic leadership may be spread more broadly across regions. If foreign investors begin directing more

What are the biggest financial questions people keep asking—and are we answering them the right way? The questions we wrestle with about money often reveal something deeper. They expose our fears, our hopes, and what we truly believe about God’s provision. That’s why financial wisdom must go beyond spreadsheets and strategies. It must address the heart. Sharon Epps, president of Kingdom Advisors, joins us to unpack what financial advisors across the country are hearing from their clients. While the seasons of life may vary, many of the same questions keep surfacing—and those questions often reveal concerns that go deeper than dollars and cents. The Questions People Keep Asking As Kingdom Advisors stays connected with financial professionals across the country, certain questions continue to surface. According to Sharon, three of the most common are: How much is enough? How do I prepare the next steward? How do I give intentionally? Each question involves real financial decisions, but each one also reveals something about the heart. They are not merely questions about money. They are questions about security, legacy, generosity, and trust. How Much Is Enough? At first glance, “How much is enough?” sounds like a numbers question. People want to know how much they should save, how much they need for retirement, or how much margin they need to feel secure. But beneath the question is often a deeper concern: Will I be okay? Will my family be okay? That’s why a purely financial answer can fall short. A typical financial plan may focus mainly on accumulation—building as much as possible to create a sense of safety. Saving wisely is important, but from a biblical perspective, accumulation alone cannot provide lasting peace. A stewardship approach asks a different question. It still considers the numbers, but it also recognizes that God is our provider. Enough is not merely a financial target. It is also a posture of the heart shaped by contentment, trust, and faithfulness. Preparing the Next Steward Another question many people ask is, “How do I prepare the next steward?” This often becomes urgent as people approach retirement or begin thinking about estate planning. But Sharon points out that preparing the next steward should not be delayed until later in life. It is something we should consider throughout our lifetime. That’s because stewardship is not only about passing on wealth. It is about passing on wisdom, values, and a vision for faithfulness. Proverbs 13:22 says, “A good man leaves an inheritance to his children’s children.” While that certainly can include financial inheritance, it should not be limited to money. A truly meaningful inheritance includ

Retirement is often described as the finish line—the long-awaited season when work finally ends, and leisure begins. But what if that picture is incomplete? For believers, retirement does not mean purpose expires. It may simply mean that purpose takes on a new expression. We were created by God not merely to earn a paycheck, but to serve, contribute, create, encourage, and reflect His character in the world. That calling does not end when a career does. Mitch Anthony, bestselling author of The New Retirementality: Planning Your Life and Living Your Dreams…at Any Age You Want, has spent decades helping people rethink retirement. He joins the show today to share a simple but deeply important message: retirement should not be the end of meaningful work. It should be a new season of purposeful living. Work as Worship One of the most powerful ways to rethink retirement begins with a biblical understanding of work itself. In Hebrew, the word avodah conveys both work and worship. That connection reminds us that work was never meant to be separate from our calling before God. Work, at its best, is not merely labor. It is an opportunity to bring value to others and meaning to our own lives. That may happen through a career, but also through volunteering, mentoring, serving in the church, caring for family, teaching, consulting, creating, or encouraging others. Mitch defines work as “an engagement that brings value to others and meaning to you.” That broader definition helps us see that meaningful work is not limited to employment. It includes any faithful contribution that blesses others and reflects the gifts God has given us. Retirement Is Not a “Use By” Date Our culture often treats retirement as though people reach a certain age and are no longer needed. But that idea does not reflect biblical wisdom. Human beings are not products with expiration dates. We are image-bearers of God, created with gifts, experience, wisdom, and calling. While the pace or form of our work may change with age, our purpose does not disappear. That does not mean everyone should work a traditional job until the end of life. Rest matters. Enjoyment matters. Slowing down may be wise and necessary. But the question is not simply, “When can I stop working?” A better question is, “How can I continue bringing value to others in this season of life?” T

An emergency fund can be the difference between a financial setback and a financial crisis—but only if it’s built the right way. Most people know they should have money set aside for emergencies. But many aren’t sure how much to save, what actually counts as an emergency, or where to keep that money. Those are important questions, because an emergency fund is not just another savings goal. It is a key part of wise financial stewardship. What Is an Emergency Fund? An emergency fund is money set aside for unexpected, significant financial disruptions. Those two words matter: unexpected and significant. This is not money for routine expenses, planned purchases, or occasional wants. It is reserved for the kinds of situations that can suddenly shake your financial life—job loss, a major medical need, a significant car repair, an urgent home repair, or another event that interrupts your income or requires a large amount of cash. In that sense, an emergency fund acts like a financial shock absorber. When something unexpected happens, it helps keep a difficult situation from turning into debt, panic, or financial chaos. Without an emergency fund, many people are forced to rely on credit cards or loans during hard times. But with one in place, you create stability and breathing room when uncertainty comes. How Much Should You Save? A helpful rule of thumb is to keep three to six months of living expenses in your emergency fund. That means enough to cover essential expenses such as housing, food, utilities, insurance, transportation, and other necessary costs. For example, if your household needs $5,000 per month to cover basic expenses, a fully funded emergency fund would typically range from $15,000 to $30,000. Where you land in that range depends on your situation. If your income is stable and predictable, three months may be enough. But if your income fluctuates, if you’re self-employed, or if you simply want additional peace of mind, six months—or even a little more—may be appropriate. The goal is not perfection. The goal is preparedness. Is Saving for Emergencies a Lack of Faith? Some Christians may wonder whether saving for emergencies reflects a lack of trust in God. But Scripture encourages wise preparation. Proverbs 6:6–8 says, “Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant is not anxiously trying to control the future. It is wisely preparing for what may come. That is the posture we want to take with our finances. An emergency fund is not about pretending we can control tomorrow. It is about stewarding today’s resources wisely so that when tomorrow brings challenges, we are not forced into panic or unnecessary debt. Planning and

Summer is not that far off, and for many families, the kids are already dreaming about vacation. But parents may be asking a different question: How can we make great family memories without breaking the budget? A family vacation can be a wonderful gift, but it doesn’t have to create financial pressure that follows you home. With a little planning, creativity, and communication, you can enjoy meaningful time together while staying within your means. Crystal Paine, creator of MoneySavingMom.com, joined us on today’s show to share practical ways families can plan a memorable, budget-friendly vacation. Start Planning Early The first step is to plan ahead. The earlier you begin, the more options you’ll have for lodging, travel, and activities. Crystal recommends considering destinations that are a little off the beaten path. These places often have fewer crowds and lower prices while still offering plenty of opportunities for rest and fun. If you’re flying, she suggests using Google Flights to search flexible destinations. You can enter your travel dates and explore lower-cost flight options across the country. Just as important, set a clear budget for the entire trip before you go. Decide what matters most to your family. Maybe staying near the beach is a priority, but eating out every meal is not. Knowing those priorities ahead of time helps you spend intentionally rather than react in the moment. Take Advantage of Free Activities Some of the best vacation memories don’t cost anything. Crystal encourages families to search for free things to do in their destination. Try looking up phrases like “best free things to do” along with the name of the city or area you’ll be visiting. You may find hiking trails, local parks, self-guided walking tours, free museums, art exhibits, festivals, or concerts. These activities are often overlooked, but they can become the hidden gems of a trip. And they remind us that meaningful experiences don’t always require a high price tag. Get the Whole Family Involved A vacation is more enjoyable when everyone feels included. Ask your children what they would enjoy doing. You may not be able to do everything, but letting each person choose one activity can help the trip reflect the whole family’s interests. Crystal also suggests giving each family member a set budget and allowing them to plan a few hours of the vacation within that amount. This can be a fun way to teach kids practical money skills. They learn how much things cost, how to make tradeoffs, and how to enjoy the responsibility of planning. Be Strategic About Meals Food can quickly become one of the most expensive parts of a trip, especially if you eat out for every meal. One way to save is to stay somewhere that offers free breakfast. Then, bring snacks or simple meal i

What do you do when the cost of staying healthy begins to strain the family budget? For many households, health care has become one of the biggest financial pressures they face. Groceries, utilities, and everyday expenses are already stretching families thin. But medical costs often feel like they are in a category of their own. Even when traditional coverage feels out of reach, families are not without options. That’s why Lauren Gajdek, Senior Director of External Affairs at Christian Healthcare Ministries (CHM), joined the show today to discuss medical cost sharing, how it works, and why more families are taking a closer look. The Pressure Families Are Feeling Many families are still dealing with the effects of higher prices across the board. While inflation may have cooled in some areas, that does not mean prices have returned to their previous levels. Groceries, utilities, housing, and other essentials still cost more than they did before, leaving many households with less room in their monthly budgets. Health care adds another layer of pressure. Employer-sponsored family health insurance can now cost thousands of dollars each year when accounting for both employer and employee contributions. Marketplace plans can also be expensive, especially for those who do not qualify for subsidies. Behind those rising premiums are the increasing costs of hospitals, medications, and other medical services. For families trying to manage their resources wisely, those numbers can feel overwhelming. What Options Are Available? When traditional health insurance becomes too expensive, families may begin looking for alternatives. One option is COBRA, which allows someone who has lost employer-sponsored coverage to keep the same plan for a time. But COBRA is often very expensive because the individual is typically responsible for the full cost of the plan without employer assistance. Another option is the health insurance marketplace at Healthcare.gov. For those who qualify for subsidies, this may provide some relief. But without subsidies, marketplace plans may still be difficult to afford. A third option is medical cost-sharing through an organization such as Christian Healthcare Ministries. CHM is not insurance. Instead, it is a community of believers who voluntarily come together to help share one another’s eligible medical expenses. How Medical Cost-Sharing Works Most people are familiar with the traditional insurance model: premiums, deductibles, provider networks, and claims. Medical cost sharing operates differently. With <a href="https://info.chministries.org/faithfi?utm_campaign=9717081-pame_faithfi&utm_source=faithfi&utm_me

A growing number of Christians are asking not just how to invest, but whether their investments reflect what they believe. For many believers, investing has often been treated as a purely financial activity—something focused on returns, risk, diversification, and retirement goals. But what if investing is also deeply connected to our faith and calling? Luke Bolton, Executive for Strategic Relationships at Kingdom Advisors and co-author of the upcoming book, The Theology of Investing: A Biblical Perspective for Contemporary Investors, joins us on the show today to say that this is ultimately about more than financial strategy. It is about theology—what we believe about God, money, stewardship, and the world He created. Why a Theology of Investing Matters Most Christians encounter investing at some point, whether through a workplace retirement plan, an IRA, a brokerage account, or a conversation with a financial advisor. But many have never paused to ask a deeper question: What does my faith have to say about this? For Bolton, the answer begins with the lordship of Christ. If we confess that Jesus is Lord, then He is Lord over everything—including our money, savings, and investments. Colossians 3:17 says, “And whatever you do, in word or deed, do everything in the name of the Lord Jesus.” That “everything” includes how we invest. This does not mean every Christian will make the exact same investing decisions. But it does mean investing should not be placed in a separate category outside discipleship. Our portfolios, like every other part of life, should be brought under the wisdom and purposes of God. Investing Begins in the Heart A biblical approach to investing starts with what is happening internally. Are we trusting God, or are we trusting the markets? Are we investing out of wisdom and stewardship, or anxiety and fear? Are we content and grateful, or driven by comparison and accumulation? Those heart-level questions matter because financial decisions are never purely financial. They reveal what we value, what we fear, and where we place our hope. Scripture repeatedly reminds us not to put our ultimate confidence in wealth, which is uncertain, but in God, who richly provides. That perspective changes the way we think about return, risk, security, and purpose. Investing Also Has an Outward Expression Faith-based investing is not only about the heart, though. It also shapes outward decisions. Bolton explained that over the last 20 to 30 years, a growing number of Christians have begun taking meaningful action through their investments in three key ways. Some seek to avoid investments that conflict with their faith. Others look for opportunities to use their influence as investors for good. Still others seek investments that actively align with Go

What if investing could be about more than performance? What if it could also be about purpose? For many believers, stewardship does not stop with earning, giving, saving, or spending. It also includes asking whether the companies we invest in reflect the values we profess. And as more Christians think carefully about their portfolios, faith-based investing tools are making that conversation more practical than ever. Mike Schnackenberg, Head of Distribution at Eventide Asset Management, joins the show today to discuss the rise of faith-based ETFs and how investors can align their portfolios with their convictions while honoring God and serving the common good. What Is an ETF? ETF stands for exchange-traded fund. Simply put, an ETF is an investment vehicle that can hold multiple stocks or bonds under one ticker symbol. That gives investors a convenient way to diversify. Instead of purchasing shares of dozens—or even hundreds—of individual companies, an investor can gain exposure to many holdings through a single investment. ETFs also trade on exchanges like stocks, which means they can be bought and sold throughout the trading day. Many also provide transparency, giving investors visibility into the companies or holdings inside the fund. For years, many people associated ETFs mainly with passive investing—funds that simply track a broad market index. But that has been changing. More active strategies are now being offered through ETFs as well, partly because of the accessibility, transparency, and tax efficiency the structure can provide. Is Passive Investing Really Neutral? One of the most important questions for Christian investors is whether passive investing is truly neutral. At first glance, it may seem that way. If an investor is simply tracking an index, it can feel like they are not making an active ethical choice. But from a biblical stewardship perspective, every investment decision carries moral weight because investing involves ownership. Even if someone owns only a small percentage of a large company, that investor still has a connection to the company’s products, practices, profits, and impact. If we benefit from a company’s success, then it is worth asking whether that success comes through work that contributes to human flourishing—or work that harms our neighbors. That is why faith-based investing begins with a deeper question: What kind of impact do I want my investments to have? Investing Is Ownership For believers, stewardship is not limited to giving, budgeting, or avoiding debt. It also includes investing. If God owns everything, then the money we invest is also entrusted to us by Him. That means our portfolios should not be disconnected from our discipleship. A broad market index may include companies involved in indus

Unexpected wealth can feel like a blessing, but without wisdom, it can quickly become a burden. A sudden financial gain, a large inheritance, a life insurance payout, or the sale of a business can change your circumstances overnight. But what you do next matters far more than what you’ve received. When a financial windfall comes into our lives, it rarely arrives in a vacuum. Often, it is tied to loss. A loved one has passed away, leaving behind assets along with grief. Or it may come after years of effort, when a business finally sells, or an investment pays off. In those moments, emotions can run high. There may be gratitude, relief, and even excitement. But there may also be uncertainty, pressure, and fear. That’s why the first step is not financial at all. It is spiritual. Remember Who Owns It All In 1 Chronicles 29:14, David prays, “For all things come from you, and of your own have we given you.” That is a simple but powerful reminder: whatever we receive ultimately belongs to God. That truth changes everything. Receiving a windfall may feel deeply personal, but it is ultimately part of God’s provision and His purposes. And when that wealth represents the life’s work of someone else, it should lead us to humility. So the first step is simple, but not always easy: pause. Before making major decisions, take time to pray, reflect, and remember that this is not merely money to manage. It is a stewardship entrusted to you by God. Guard Your Heart Sudden wealth can subtly reshape our hearts if we are not paying attention. It can shift our sense of security, our priorities, and even our identity. What once felt like dependence on God can slowly drift toward self-reliance if we are not anchored in truth. That is why this moment matters spiritually. Ecclesiastes 7:11 says, “Wisdom is good with an inheritance, an advantage to those who see the sun.” Notice that inheritance and wisdom are meant to go together. Wealth without wisdom is dangerous. But wealth guided by wisdom can become a powerful tool for good. Give yourself time to think, pray, and seek counsel before making any major moves. Understand What You Have Received From there, the next step is to understand what you have actually received, because not all wealth is the same. If you received a life insurance payout, it may have come during a season of grief, which makes wise decision-making even more important. Those funds are often income-tax-free, but that does not mean the decisions are simple. It can be tempting to act quickly in an emotional moment, but this is a time to slow down and prayerfully consider how those resources can provide stability, meet immediate needs, and reflect the values of the one who provided them. If you inherited a retirement account, such as an IRA, there are often specific rules to follow. In many cases

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” - 2 Timothy 1:5 As Mother’s Day approaches, that verse offers a beautiful reminder: the influence of a faithful mother often reaches farther than we can see. Through daily acts of love, sacrifice, prayer, and perseverance, mothers shape hearts, homes, and generations. Their work is not always loud or publicly celebrated, but it is deeply significant. Many of the values we carry, the lessons we live by, and even our understanding of God’s care have been formed through the steady presence of a mother or mother figure in our lives. The Hidden Work Mothers Carry Most of the time, when we think about the contribution of mothers, we think of things money could never measure—love, compassion, wisdom, patience, and strength. Still, it can be eye-opening to consider the sheer amount of work mothers carry each day. According to Salary.com’s annual survey, working moms put in an average of 54 hours each week managing their households on top of their professional responsibilities. For stay-at-home moms, the workload can resemble 15-hour days, seven days a week. That work often includes serving as chef, teacher, nurse, counselor, scheduler, chauffeur, financial manager, and conflict negotiator—sometimes all before lunch. Salary.com estimated that if a mother were paid for all the roles she fills, the annual base salary would exceed $200,000. When bonuses, overtime, and other “premium pay” are added, the total could rise above $250,000. Those numbers may catch our attention, but they still do not tell the full story. Her Worth Cannot Be Measured Even the highest estimate falls short of what mothers truly provide. Why? Because the most meaningful things a mother offers cannot be bought. She gives comfort in moments of fear, wisdom in seasons of confusion, encouragement when confidence is low, and love that remains steady through every stage of life. For many, a mother’s care becomes one of the clearest early reflections of God’s tenderness and faithfulness. That is why Scripture calls us not merely to acknowledge mothers, but to honor them. Honor with Words Proverbs 31:28 paints a beautiful picture of gratitude in action: “Her children rise up and call her blessed; her husband also, and he praises her.” Notice that this family does not simply feel thankful—they express it. One of the simplest and most powerful ways to honor your mother is to tell her what she means to you. Thank her for the sacrifices she made, the prayers she prayed, and the ways she loved and served, even when no one else noticed. Words of gratitude can become a gift that lingers long after Mother’s Day has passed. Honor with Care</

Is it possible to help your adult children in a way that actually keeps them from growing? It’s a difficult question, but an important one. Many parents want to support their children well, especially when their children face setbacks, financial stress, or uncertain times. Yet the way we offer help can shape not only their circumstances, but also their character. The goal isn’t simply to make life easier. It’s to help in ways that strengthen them rather than sideline them. When Love Needs Wisdom For many parents, this is a tender place to stand. You love your children deeply. You want to see them flourish. And when they struggle, every instinct says, Step in and fix it. That instinct often comes from a good place. But even good instincts need wisdom. Consider a baby bird hatching from its shell. It may seem compassionate to help it break free, but if you intervene too soon, the bird may not survive. The struggle of pushing through the shell is essential. It develops the strength and coordination needed for life outside the egg. The struggle isn’t the problem. It’s part of the preparation. In the same way, when we remove every difficulty from our children’s lives, we may step in at the very moment when growth is meant to happen. When Support Slowly Becomes Dependence Most parental help begins with simple acts of care: Covering an unexpected bill Helping with a car repair Letting them move back home Offering temporary financial support None of these is inherently wrong. In many cases, they are loving and appropriate responses. But over time, those moments can accumulate. And eventually the question changes from How can I help? to Is this actually helping? Are you helping them move forward—or delaying lessons they need to learn? Are you offering support—or carrying responsibilities that now belong to them? That tension is real, and one of the hardest parts of parenting adult children is knowing when to step back. Support in Ways That Move Them Forward Healthy support should encourage progress, not prolong immaturity. This is an act of stewardship—not only of your resources, but of their formation. The goal is not to eliminate every hardship. Often, maturity takes root in the soil of challenge. Consider tying support to clear next steps, such as: Progress toward employment Pursuing education or training Contributing to household responsibilities Taking increasing ownership of personal expenses Working toward specific financial goals Support like this doesn’t replace responsibility. It reinforces it. An adult child living at home is not automatically a sign of failure. Throughout history, including biblical times, multigenerational living was common and remains normal in many cultu

Economic headlines can rattle our confidence. Markets fluctuate, layoffs make news, and inflation or recession fears can create a sense of instability. When uncertainty rises, fear often follows—and fear can drive financial decisions we later regret. But while the economy changes, God’s wisdom does not. Scripture offers steady guidance that helps us respond with clarity instead of anxiety.  In today’s conversation, financial teacher, author, and co-founder of Kingdom Advisors, Ron Blue, shared with us timeless principles for navigating uncertain times with confidence rooted in the Lord. Why Financial Uncertainty Creates Anxiety According to Ron Blue, much of our financial stress comes down to one word: uncertainty. When people feel like circumstances are outside their control, anxiety often increases. Daily headlines about markets, job losses, or global instability can make us feel like something urgent must be done immediately. That pressure can lead to emotional rather than wise decision-making. Rather than acting from fear, believers are invited to remember that while circumstances may shift, God remains faithful. As Scripture reminds us: “Jesus Christ is the same yesterday and today and forever.” (Hebrews 13:8) One of the greatest ways to reduce fear is to have a plan. Without a plan, every headline can push us into reaction mode. We may feel tempted to sell investments too quickly, take on debt to maintain our lifestyle, or abandon long-term goals because of short-term concerns. But when we follow wise, biblical principles, we gain perspective. We can step back, think clearly, and make decisions based on truth rather than emotion. A plan does not remove every challenge, but it provides direction when emotions run high. Four Timeless Financial Principles Ron Blue highlighted four foundational principles that remain effective in both strong economies and difficult ones. 1. Think Long Term Financial decisions should be guided by long-term goals, not short-term fear. Temporary headlines should not determine permanent strategies. Patience and perspective are essential parts of wise stewardship. 2. Spend Less Than You Earn This is one of the most foundational financial principles. Living below your means creates margin, flexibility, and peace. When income exceeds spending, you are better positioned to save, give, and prepare for future needs. 3. Build Emergency Savings Unexpected expenses are not a matter of if, but when. An emergency fund creates liquidity when life brings surprises. Even small, consistent savings can provide stability over time. 4. Minimize Debt Debt increases financial risk by committing future income to past decisions. I

Greek philosopher Epictetus once said, “Wealth consists not in having great possessions, but in having few wants.” That insight may be more relevant today than ever. We live in a world constantly urging us to want more, upgrade more, and pursue more. But what if that endless pursuit is costing us something far more valuable than money? What if wanting less is one of the most powerful financial decisions we can make? On today’s episode of Faith & Finance, financial coach and author Bob Lotich joined the show to discuss why contentment creates freedom—and how learning to want less can reshape our financial lives. A Better Financial Question Most people make spending decisions by asking one question: Can I afford this? That’s not a bad question—but it may not be the best one. Bob suggested a deeper question: Can I afford to want this? That shift matters because some things we own eventually begin to own us. A purchase may fit the budget, but still bring new pressures, obligations, and distractions. The issue isn’t always the price tag—it’s the grip that desire can have on our hearts. Bob shared the story of Roman general Manius Curius Dentatus. When enemies attempted to bribe him with gold and expensive gifts, they found him roasting turnips for dinner. Seeing his simple lifestyle, they realized a man content with so little could not be bought. The lesson is timeless: contentment removes leverage. When we need less, we are less vulnerable to manipulation, fear, and compromise. The fewer things we depend on for identity or security, the freer we become. How Desire Can Become a Chain Every unchecked desire can create a new chain. A larger lifestyle often requires a larger paycheck. More possessions usually mean more maintenance, more bills, and more commitments. Debt can magnify that burden even further. Scripture warns, “The borrower is slave to the lender” (Proverbs 22:7). While that may not mean literal slavery today, the principle still stands: financial obligations can reduce flexibility and limit our ability to respond when God leads us in a new direction. Bob shared the story of someone who sensed a clear call into ministry but couldn’t accept the opportunity because debt payments made the lower salary impossible. That’s more than a budgeting issue—it’s a discipleship issue. Jesus said, “You cannot serve God and money” (Matthew 6:24). That warning is not only about greed. It is also about control. Financial obligations demand time, energy, and attention. When too many of them pile up, they begin directing our choices. As Bob put it, sometimes our possessions end up possessing us. Two Very Different Responses to Wealth The Gospels give us two striking examples. The rich young ruler walked away from Jesus because he could not

Billy Graham once said, “A checkbook is a theological document. It tells you who and what you worship.” It’s a striking statement—but an important one. Most of us make financial decisions every day without thinking much about them. We buy groceries, renew subscriptions, grab coffee, replace something that broke, or make an impulse purchase that feels harmless in the moment. These choices can seem ordinary and disconnected from our spiritual lives. But Scripture invites us to look deeper. Our spending habits often reveal more about our hearts than we realize. They can uncover what we value, what we pursue, and where we place our trust. More Than Transactions A bank statement may look like a list of numbers and purchases, but over time, it tells a story. It reflects priorities. Where our money goes often shows what matters most to us. That’s why money is never just about math—it also has a spiritual dimension. Financial decisions can expose desires, fears, habits, and hopes that might otherwise remain hidden. The prophet Isaiah asked this searching question: “Why do you spend your money for that which is not bread, and your labor for that which does not satisfy?” (Isaiah 55:2) That’s not merely a budgeting question. It’s a heart question. God is asking His people why they keep investing themselves in things that can never truly satisfy. It’s a question worth asking today as well. Jesus adds another layer in Luke 16: “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” (Luke 16:11) Jesus is not condemning money. He is reframing it. Money is temporary. It is a tool. But how we handle that tool reveals something deeper about our readiness to receive what truly matters. In that sense, money becomes a test of trust. Every purchase, every swipe of the card, every budgeting decision expresses something about what we love. And because of that, even everyday spending can become an opportunity for worship. Ownership vs. Stewardship The early church martyr Polycarp of Smyrna is often credited with this insight: “The world asks, What does a man own? Christ asks, How does he use it?” That gets to the heart of biblical stewardship. The question is not simply what we possess, but how we use what God has entrusted to us. Scripture consistently reminds us that everything belongs to the Lord, and we are called to manage His resources faithfully. That changes the way we think about spending. We are not merely consumers deciding what to do with “our money.” We are stewards seeking to honor God with what He has placed in our hands. A Warning from Haggai The book of Haggai gives us a vivid picture of what happens when priorities drift. After returning from exile in Babylon, the people of Israel came home to ruins. The temple—the center of worshi

“For everything there is a season, and a time for every matter under heaven.” - Ecclesiastes 3:1 Life moves in seasons—and with each season often comes new challenges, new opportunities, and sometimes new financial finish lines.  On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to discuss why adjusting your financial finish line is not only okay—it can be wise and faithful. What Is a Financial Finish Line? A financial finish line is simply an answer to the question: How much is enough? It helps separate what we intend to use for our own needs from what we can make available for Kingdom purposes. Rather than endlessly increasing lifestyle spending or accumulating wealth without direction, a finish line provides clarity and purpose. For many people, the idea of setting a finish line can feel intimidating. It may sound final or restrictive. But Cody emphasized that a finish line is not about perfection—it is about growth. Your first finish line does not have to be your last. Why Finish Lines Need to Be Revisited Just as a financial plan should be reviewed regularly, your finish line should be revisited as life changes. There are many reasons to adjust it: A new child or dependent enters your family Someone is no longer financially dependent on you You move to a region with a different cost of living Your health changes Major life transitions reshape your responsibilities These shifts may change the cost of maintaining the same lifestyle, making it wise to reassess your financial boundaries. At first glance, caps and limits can sound restrictive. But Cody shared that in practice, setting a finish line often creates freedom. Instead of constantly wondering if you need more, you begin to experience: Contentment Peace Purpose That reflects a biblical pattern. God’s boundaries are not meant to diminish joy but to protect and deepen it. Financial limits can function the same way. Two Types of Finish Lines 1. A Lifestyle Finish Line This is the amount needed to support your current and future lifestyle. It helps determine the appropriate and sustainable level of spending. 2. A Net Worth Finish Line This is the amount of wealth you believe is wise to accumulate over your lifetime. Cody connected this idea to Luke 12 and the parable of the rich fool, who stored up more than he needed while missing the deeper purpose of his resources.

For many retirees, their home is their largest asset. Yet in countless financial plans, that asset is treated as if it barely exists.  Retirement conversations often focus on Social Security, pensions, IRAs, and investment accounts while overlooking the value built up in a home over decades. On today’s episode of Faith and Finance, Harlan Accola of Movement Mortgage joins to discuss why home equity may deserve a more thoughtful place in retirement planning—and how a reverse mortgage, when used wisely, can become one tool among many. The Overlooked Asset in Many Retirement Plans According to Harlan, many planning tools display home equity on paper but treat it as untouchable. In practice, that means one of a retiree’s largest resources is often ignored. Why does this happen? Sometimes, advisors are not trained to incorporate home equity strategically. Other times, people assume reverse mortgages are only for emergencies or financial distress. But that perspective may miss an important opportunity. Harlan describes home equity as a potential third bucket alongside income sources and investment accounts. Instead of relying only on withdrawals from retirement savings, some retirees may be able to use home equity strategically to reduce pressure on their portfolio. That can be especially helpful during market downturns or in years when withdrawing from investments would be less advantageous. The idea is not to replace investments or income, but to strengthen the overall plan by considering every available resource. More Than Monthly Cash Flow When people hear “reverse mortgage,” they often think only about immediate cash needs. But strategic planning can involve much more than that. Harlan noted that incorporating home equity may create flexibility in several areas, including: Timing withdrawals from retirement accounts Managing taxable income in retirement Deciding when to begin Social Security Planning for long-term care needs Preserving investment assets longer These decisions can significantly impact long-term financial outcomes. What About Leaving an Inheritance? One common concern is whether using home equity will leave nothing to pass on. Harlan explained that many families are surprised to learn that this is not always the case. Depending on appreciation, spending patterns, and the overall plan, some home equity may remain. In some scenarios, overall net worth may even improve because other assets were preserved. Of course, every situation is different, which is why personalized analysis matters. A Biblical Perspective on Stewardship Scripture reminds us, “Moreover, it is required of stewards that they be found

How much is enough—and why does it always seem just beyond our grasp? Many people assume the answer is a number: a savings goal, a retirement target, or an income level that will finally bring peace. But Scripture offers a different perspective. What if “enough” isn’t something you reach, but something you define? That question matters more than we may realize, because how we answer it shapes our contentment, our decisions, and our generosity. The Question of Enough Begins in the Heart When we turn to God’s Word, we discover that the question of enough doesn’t begin with math. It begins with the heart. As we often say, money issues are heart issues. They’re tied to our fears, our desire for control, and ultimately where we place our trust. That’s why Hebrews 13:5 says: “Keep your life free from the love of money and be content with what you have, for he has said, ‘I will never leave you nor forsake you.’” Notice the connection: contentment is not rooted in what we have, but in who we have. True peace isn’t found in reaching a financial milestone. It’s found in the presence and faithfulness of God. Enough Is About Trust If enough is not about accumulation, then what is it about? First, it is about trust. Physician Keelan Hobelman and his wife recognized this early as his income began to rise. They knew that without intentionality, their lifestyle could quickly expand alongside their earnings. So they chose to create boundaries before the increase arrived. Their goal was simple: to avoid letting higher income automatically lead to higher spending. That kind of decision reflects wisdom. It acknowledges that more income does not automatically create more peace. Sometimes it simply creates more appetite. Trust says, “God is my provider, not my paycheck.” Enough Is About Stewardship Second, enough is about stewardship. If God owns it all, then we are not owners—we are managers. And managers ask a different question. Instead of asking, “How much can I keep?” they ask, “How does the Owner want this used?” That shift changes everything. Now, enough is no longer about protecting a lifestyle. It becomes about aligning our lives with God’s purposes. Our money becomes a resource to steward rather than a treasure to hoard. Enough Is About Contentment Third, enough is about contentment. Paul writes in 1 Timothy 6:6–7: “But godliness with contentment is great gain, for we brought nothing into the world, and we cannot take anything out of the world.” That is a powerful reminder. We entered this world with nothing. We will leave it with nothing. So, enough cannot ultimately be defined by what we accumulate in between. It must be defined by something deeper an

Many investors think about what they own, but not always about how that ownership can be used for good. Yet investing is not only about returns—it can also be about responsibility.  For those who want their financial decisions to reflect their values, one important tool is something called corporate engagement. Today, we were joined by Chris Meyer, Stewardship Investing, Research, and Advocacy Manager at Praxis Investment Management, who shared how this process works and why it matters for everyday investors. What Is Corporate Engagement? Corporate engagement means using the rights and privileges of ownership to communicate with company leadership and encourage better policies and practices. Rather than simply avoiding companies that conflict with certain values, engagement seeks to influence them toward positive change. Chris Meyer described it as an extension of stewardship. Investors are not only seeking financial returns—they are also considering how their investments can create social impact and promote human flourishing. That perspective reflects the biblical principle found in 1 Corinthians 4:2: “It is required of stewards that they be found faithful.” At Praxis, engagement efforts currently center around three broad themes: Creation care Human rights Ethics in technology Within those categories, they look for areas where companies face meaningful risks or opportunities for improvement, and where investor influence could realistically lead to progress. Why Collaboration Matters Corporate engagement is rarely done alone. Faith-based investors often work together in coalitions, combining their voices for greater impact. When multiple investors raise the same concerns, companies tend to listen more carefully. Collaboration also brings together different expertise and perspectives, helping investors engage more thoughtfully and effectively. Before engaging a company, extensive research is required. Investors seek to understand: The issue itself How it connects to the company’s operations The company’s business model Realistic opportunities for improvement What measurable progress could look like Once conversations begin, the goal is not confrontation or public shaming. Instead, engagement is rooted in respect, patience, and long-term relationship building. Many of these discussions continue over multiple years. Does It Really Make a Difference? Ac

“Many are the plans in the mind of a man, but it is the purpose of the Lord that will stand.” - Proverbs 19:21 We’re often told to plan for the future. Build a budget. Set retirement goals. Create a roadmap for success. And those things can be wise and helpful. But what happens when the future doesn’t follow the plan? That’s a tension many people experience but rarely talk about: the paradox of planning. Scripture teaches that planning matters—but it also reminds us that even our best plans are never the final word. Planning Is a Biblical Practice Whether it’s a financial roadmap, a retirement timeline, or a weekly budget, planning helps us prepare for what lies ahead. And the Bible affirms that kind of wisdom. In Proverbs 6, we’re told to consider the ant. Without anyone directing her, she gathers food in the proper season and prepares for what’s ahead (Proverbs 6:6–8). The lesson is clear: be diligent, think ahead, and use today wisely to prepare for tomorrow. Planning itself is not the problem. In fact, planning can be an act of stewardship. It reflects responsibility, foresight, and wise management of the resources God has entrusted to us. When Planning Becomes Self-Reliance But planning carries a subtle danger. What begins as wisdom can slowly drift into self-reliance. Once we build a plan, it can be easy to believe we control the outcome. We may not say it out loud, but deep down, we start thinking, I’ve got this figured out. That’s why James offers a strong warning: “Come now, you who say, ‘Today or tomorrow we will go into such and such a town and spend a year there and trade and make a profit’—yet you do not know what tomorrow will bring.” (James 4:13–14) James is not condemning planning. He is confronting presumption—planning that assumes we are in control and forgets our dependence on God. This is the paradox we must learn to embrace: Plan wisely. Trust deeply. Prepare diligently. Surrender completely. Our plans should never replace our dependence on God. They should reflect it. Paul’s Redirected Plan The apostle Paul gives us a powerful example of this in Acts 16. Paul and his companions had a clear strategy. They intended to preach in Asia. It was thoughtful, strategic, and mission-driven. But the Holy Spirit prevented them from going there. They tried another route toward Bithynia, but again they were redirected. Then Paul received a vision of a man from Macedonia saying, “Come over and help us.” That moment changed the course of Christian history. Instead of continuing east, the gospel crossed into Europe for the first time. Paul had a plan—but God had a greater one. What looked like an interruption was actually divine guidance. When Life Doesn’t Go According to Plan The same can be true for us. A job opportunity falls through. An inve

“Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’ You shall remember the Lord your God, for it is he who gives you power to get wealth.” — Deuteronomy 8:17–18 How much money is enough? It’s a question that quietly shapes many of our financial decisions, yet few people ever stop to answer it.  On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to explore a practical and deeply biblical framework for answering that question.  Why Prosperity Can Be a Greater Test Than Hardship In Deuteronomy 8, Moses addressed the people of Israel as they stood on the edge of the Promised Land after 40 years in the wilderness. They had endured hunger, uncertainty, and hardship. But Moses warned them that their greater challenge would come after entering abundance. Would they remember the Lord as their provider, or would they begin to believe their wealth came from their own strength? That warning remains relevant today. In one of the most prosperous cultures in history, it is easy to drift into self-reliance, entitlement, or endless accumulation. Prosperity can subtly shift our trust away from God unless we intentionally resist it. Five Ways People Typically Approach Giving Cody explained that when people ask, “How much should I give?” or “How much should I keep?” they often fall into one of five common approaches: 1. Spontaneous Giving. Giving in the moment, with little prior planning. 2. Giving Goals. Choosing a target dollar amount to give during the year. 3. Percentage Giving. Giving a fixed percentage of income. 4. Incremental Percentage Giving. Increasing the percentage you give over time as income grows. 5. Financial Finish Line. Rather than beginning with how much to give, this approach starts by deciding how much to keep for personal lifestyle spending—and then directing the rest toward Kingdom purposes. That final model flips the normal mindset upside down. Instead of expanding lifestyle every time income rises, it sets boundaries around consumption and creates margin for generosity. What Is a Financial Finish Line? A financial finish line is a predetermined cap on how much you will spend on your own lifestyle. Once your needs and responsibilities are covered, any additional resources can be used to bless others, support ministry, and advance God’s work. Cody suggested thinking about finances in four broad categories: <stron

A humanitarian crisis is unfolding right now in Lebanon, and for hundreds of thousands of families, survival has become a daily question. As conflict intensifies once again, the impact on families—especially women and children—is overwhelming.  In today’s conversation on Faith and Finance, May-Lee Melki of Heart for Lebanon shared what is happening on the ground, how their team is responding, and how believers can help bring both urgent relief and lasting hope. A Nation in Crisis Once Again For many in Lebanon, this is not the first season of displacement and fear. The nation has endured years of instability, economic collapse, and refugee pressures. Now, renewed conflict has forced countless families from their homes yet again. More than one million people have been internally displaced in just a matter of weeks—roughly 20% of the country’s population. Entire regions have become uninhabitable, leaving families to seek shelter wherever they can: schools, unfinished buildings, sidewalks, parks, and vehicles. This crisis is especially severe because it comes after years of economic hardship. Since the financial collapse of 2019, many families have already lost savings, jobs, and financial stability. For those already living on the edge, another wave of displacement is devastating. What the Need Looks Like on the Ground Behind every statistic is a family trying to survive. Heart for Lebanon reported that official shelters are nearly full, while many informal shelters lack basic necessities such as clean water, sanitation, and heat. Families often arrive with little more than the clothes they are wearing. Children are missing school. Parents are searching for food, safety, and a place to sleep. During one field update, Bachir, a Hope Center Director in the Bekaa Valley, described visiting a school where displaced families were staying. Their team distributed blankets, mattresses, and food packages while praying that these acts of care would reflect the love and hope of Christ. Meeting Urgent Needs—and Sharing Lasting Hope What makes the ministry of Heart for Lebanon so compelling is that they are not only meeting physical needs. They are also offering relational care and pointing families to the unshakable hope found in Jesus Christ. Their team has been on the ground since the beginning of the conflict, delivering food, bedding, hygiene supplies, and emergency assistance. But beyond that, they are building re

What if the most important factor in choosing a financial advisor isn’t performance alone, but alignment? Many people assume the primary role of a financial advisor is to maximize returns. While wise investing certainly matters, new research suggests something deeper may be at work. When financial advice aligns with your values, it doesn’t just affect your portfolio—it can reshape how you think about money altogether. That was the focus of today’s conversation with Sharon Epps, president of Kingdom Advisors, who shared insights from a new study conducted in partnership with Pinkston Research. What the Research Sought to Discover The study set out to compare the experiences of clients working with values-aligned advisors—specifically Certified Kingdom Advisors® (CKAs)—with those of clients using more traditional advisory relationships. The goal was simple: determine whether shared values actually change the financial planning experience. The findings were compelling. When values line up, the advisor-client relationship becomes more than a transaction. It becomes a trusted partnership. Shared Values Build Trust Faster One of the clearest takeaways from the research was the role that trust plays in how beliefs and priorities are shared. Seventy percent of CKA clients said shared values were the most important factor when choosing an advisor. By contrast, 64% of the general public said investment returns mattered most. That difference is significant. When clients feel understood—not just managed—they often experience what Sharon described as a “trust dividend.” Communication deepens. Confidence grows. Relationships become stronger and more enduring. Does Values Alignment Mean Sacrificing Performance? That’s a fair question—and an important one. The answer, according to Epps, is no. Values-based investing has been widely studied, and many strategies have demonstrated competitive long-term performance. The key remains the same as with any sound financial plan: discipline, diversification, and wise decision-making. In other words, it’s not a choice between faith and performance. You can pursue both. A More Complete Financial Conversation So what actually feels different when meeting with a Certified Kingdom Advisor®? Sharon explained that the conversation extends beyond numbers on a page. CKAs often ask about: Life goals Family relationships Personal calling Hopes for the future Generosity priorities The research reflected that difference: 87% of CKA clients said they discussed hopes and dreams with their advisor, compared to 47%

How much can you safely spend in retirement without running out of money? It’s one of the biggest questions retirees face. For years, many people have looked to the well-known “4% rule” for guidance. But as helpful as that rule may be, it’s not as simple—or as reliable—as many assume. Today, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, joined us to revisit this widely used guideline and explain why a more flexible, personalized approach may better serve retirees. Why Retirement Spending Is More Complicated Than Saving Saving for retirement is often more straightforward than spending in retirement. During working years, many people invest consistently, contribute to retirement accounts, and let time and compound growth do their work. But retirement introduces a new challenge: no one knows exactly how long their money needs to last. That uncertainty changes everything. Retirees must make decisions while facing several unknowns: Future market returns Inflation rates Interest rates Healthcare costs Longevity Because of those variables, determining a “safe” withdrawal rate becomes one of the most difficult parts of financial planning. Where the 4% Rule Came From The 4% rule originated with financial planner Bill Bengen in the early 1990s. Instead of trying to predict the future, Bengen studied historical market data. He examined how retirees who began in difficult economic periods—such as the mid-1920s—would have fared over a 30-year retirement. His conclusion: an initial withdrawal rate of 4.15%, followed by annual inflation adjustments, would have sustained every portfolio in his study for at least 30 years, even under the worst historical conditions. That’s an important detail. The 4.15% figure wasn’t intended to be the ideal spending strategy for everyone. It was the lowest common denominator—the floor that worked even in the toughest scenarios. Over time, that finding was simplified into the “4% rule.” Many people began to treat it as the optimal answer for nearly every retiree. But according to Biller, that was never the point. Rules of thumb can be helpful as rough planning tools, especially for someone years away from retirement who is trying to estimate future needs. But once retirement draws near, more precision is needed. A single percentage cannot account for your income sources, goals, spending habits, tax picture, or life expectancy. What New Research Suggests Sound Mind Investing conducted its own analysis under different assumptions, including a 50/50 stock-and-bond portfolio that became more conservative over time. Their findings showed: A 5% initial withdrawal rate still worked even under difficult conditions. A 6% withdrawal rate succeeded in most cases, though some portfolios r

What if investing wasn’t just about returns—but about redemption? For many people, investing can feel impersonal. It’s often framed as something tied to markets, retirement accounts, and long-term financial goals rather than spiritual growth. But Scripture invites us to see it differently. God calls His people to use what they have in ways that serve others, reflect His character, and advance His purposes in the world. When viewed through a biblical lens, investing can become an act of worship and a tool for human flourishing. There Is No Sacred-Secular Divide In Colossians 3:17, the Apostle Paul writes: “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.” That includes our financial decisions. Scripture does not divide life into “spiritual” and “non-spiritual” categories. Every area of life belongs to God—including how we save, spend, give, and invest. That means investing is not outside the reach of discipleship. It is one more opportunity to honor the Lord with what He has entrusted to us. From the beginning, God called humanity to steward His world. Investing is one modern expression of that calling. When capital is directed wisely, it can fuel productive work that benefits others. Businesses can create jobs, solve problems, meet real needs, and contribute to the common good. Done rightly, investing becomes more than wealth-building—it becomes participation in the goodness of God’s world. This aligns with Jeremiah 29:7, where God told His people in exile to: “Seek the welfare of the city where I have sent you.” Though written in a specific historical moment, the principle remains meaningful today. God’s people are still called to pursue the flourishing of the places where they live. Your Portfolio Can Promote Human Flourishing When we invest wisely, we are not merely growing assets. We are resourcing companies and organizations that can create opportunity, promote dignity, and serve communities. In that sense, a portfolio is not just a collection of holdings—it is a means of directing resources. It can become one way we love our neighbors through economic participation. Christians may apply this in different ways: Some choose to avoid industries that conflict with their convictions. Others engage companies as shareholders, encouraging positive change. Some intentionally seek investments that promote community development, innovation, or ethical business practices. Different approaches exist, but the shared principle is this: investing can be a meaningful expression of stewardship. Faithful Investing Begins With the Heart Before it begins with strategy, investing begins with surrender. The first question is not, “What will perform best?” but, “Lord, what would You have me do with what You’ve entrusted to me?” That posture

Money conversations often center on numbers, strategies, and outcomes. But underneath those practical concerns lie deeper questions—questions about identity, worth, and purpose. For many women, financial confidence isn’t just about knowledge. It’s deeply connected to how they see themselves and their role in God’s story. That’s why conversations about money must go beyond budgets and investing—they must address the heart. On today’s show, financial advisor and author Bethany Frymire shared how faith, identity, and financial decision-making are deeply intertwined—and why that connection matters. A Calling Rooted in Faith Bethany Frymire, a Certified Kingdom Advisor (CKA®) with Blue Trust and author of Women of Worth: A Faith-Based Guide to Financial Wisdom, didn’t set out to work in financial services. Her journey began unexpectedly, but God used it to shape a calling centered on helping others steward resources through a biblical lens. Today, she serves clients by integrating financial planning with spiritual wisdom—helping believers align their financial lives with their faith. That integration is key. Because money, at its core, is never just about money. Why Identity Matters in Financial Decisions Too often, finances are treated as a separate category of life—something purely practical or technical. But that approach misses something important. As Bethany explains, women in particular tend to live integrated lives. Faith, identity, relationships, and responsibilities all flow together. When one area is uncertain—especially identity—it can affect everything else, including financial confidence. If someone struggles to believe she is valued and called by God, that uncertainty can manifest as hesitation, fear, or avoidance in financial decisions. But when identity is grounded in Christ, everything changes. Confidence replaces fear Clarity replaces confusion Purpose replaces passivity Financial stewardship becomes not a burden—but an opportunity to honor God. The Confidence Gap—and Why It Matters There’s a striking reality many women face: 94% expect to manage finances at some point But only <stro

What if your everyday banking could help fuel ministry—without changing how you manage your money? That’s the question at the heart of a growing movement to rethink financial stewardship. For many of us, banking feels purely transactional. But what if it could become a tool for Kingdom impact? On today’s episode of Faith & Finance, Aaron Caid joined us to share how a unique approach to banking is helping support churches, families, and ministries around the world. A New Chapter in Faith-Based Banking Aaron Caid represents AdelFi and Christian Community Credit Union (CCCU), which recently came together to form what is now the largest faith-based credit union in the country. As they move toward a unified identity under AdelFi Christian Banking, the mission remains unchanged—but the opportunity for impact has grown. This new chapter means expanded resources, greater reach, and a continued commitment to serving individuals, families, businesses, and ministries nationwide. The goal is simple but powerful: to steward financial resources in a way that advances the gospel. More Than Transactions Most people don’t think of their bank account as a ministry tool—but that’s exactly what this model seeks to change. As a not-for-profit, member-owned credit union, the focus shifts from profit maximization to Kingdom impact. Instead of enriching shareholders, revenue is reinvested in serving members and supporting ministry work. Notably, 10% of earnings are tithed to support ministries actively sharing the gospel. This transforms everyday financial decisions—like where you bank—into opportunities to participate in God’s work. Real-Life Kingdom Impact This isn’t just theory. It’s happening in tangible ways. 1. Supporting the Local Church During the pandemic, Calvary Chapel South OC quickly outgrew i

What if debt isn’t just a financial issue—but a discipleship one? We often view borrowing through a practical lens: interest rates, monthly payments, and payoff timelines. But Scripture invites us to look deeper. Debt doesn’t just affect our wallets—it can shape our freedom, influence our generosity, and impact our ability to respond when God calls. Understanding debt through a biblical perspective helps us see why it matters far beyond the numbers. The Weight Debt Carries Borrowing is common in modern life. Credit cards, student loans, mortgages, and business financing are often seen as normal—even necessary. And while Scripture doesn’t call debt a sin, it does consistently warn us about its burden. Proverbs 22:7 reminds us, “The borrower is the slave of the lender.” In the ancient world, that was sometimes literal. Today, while we aren’t entering servitude, the principle still applies. Debt creates obligations. It ties up future income. It can limit flexibility and shape decisions in ways we don’t always anticipate. In many ways, debt mortgages the future—affecting not just our finances, but our availability. When Debt Becomes a Discipleship Issue Debt becomes a spiritual concern when it limits our ability to follow God freely. Imagine feeling led to give generously, help someone in need, or step into a ministry opportunity—but being unable to respond because your income is already committed. That’s where debt intersects with discipleship. Romans 13:8 says, “Let no debt remain outstanding, except the continuing debt to love one another.” While Paul is primarily speaking about relational obligations, the principle carries weight: financial commitments should never overshadow our greater calling to love and serve others. So the better question isn’t simply, “Am I allowed to take on this debt?” It’s, “Will this decision increase or limit my ability to love, give, and respond to God?” Wisdom Over Permission Scripture consistently calls us beyond what’s permissible to what’s wise. In 1 Corinthians 10:23, Paul writes, “‘I have the right to do anything,’ you say—but not everything is beneficial. Not everything builds up.” Some debt may be appropriate—a modest mortgage or a thoughtfully planned business loan, for example. But much of the debt we carry isn’t driven by necessity. It often comes from impatience, comparison, or cultural pressure. When we continually borrow from the future, we may miss opportunities God places before us today. Grace for the Journey If you’re already carrying debt, the response isn’t shame—it’s grace. The gospel begins with a powerful truth: our greatest debt has already been paid. When Jesus declared “It is finished” (John 19:30), the Greek word tetelestai was often written on receipts to indicate a debt

Many believers wrestle with a quiet but important question: If I truly follow Christ, shouldn’t life go better for me? It’s a tension that often surfaces when life doesn’t unfold as expected—when financial strain, illness, or hardship interrupts our plans. At the heart of that struggle is a deeper issue: how we understand God’s promises and what we believe the Christian life is meant to produce. In today’s conversation with John Cortines, Director of Partnership and Growth at the McClellan Foundation, we explored how the “prosperity gospel” shapes this conversation—and how Scripture offers a better, more faithful perspective. What Is the Prosperity Gospel? At its core, the prosperity gospel teaches that your spiritual standing can be measured by your circumstances—your health, your wealth, and your overall success. It suggests that if you have enough faith, say the right things, or give to the right causes, you can unlock God’s blessings in tangible, immediate ways. But here’s the problem: while this teaching begins with a partial truth—that God loves us and is actively involved in our lives—it stretches that truth beyond what Scripture actually promises. Instead of seeing blessings as gifts, it turns them into indicators of spiritual success. Blessings Are Real—But Not Guaranteed The Bible clearly affirms that God gives good gifts. We see provision, healing, and abundance throughout Scripture. But it never presents these as guarantees or as proof of God’s favor. That distinction matters. When we experience abundance, we should respond with gratitude—not entitlement. And when we walk through hardship, we’re not outside of God’s care. Our ultimate security isn’t found in changing circumstances—it’s found in Christ and the eternal hope we have in Him. When Giving Becomes Manipulation One of the most dangerous expressions of prosperity teaching shows up in how it approaches generosity. Instead of being an act of worship, giving can become transactional: Give this amount, and you’ll receive a blessing. Your financial hardship may be because you haven’t given enough. But Scripture points us in a very different direction. 2 Corinthians 9:7 reminds us: “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” True generosity flows from gratitude—not pressure or fear. A Distorted View of God At its deepest level, the prosperity gospel shifts our focus away from Christ and onto ourselves. It subtly replaces grace with performance: Instead of trusting in Christ’s finished work, we begin trusting in what we do. Instead of receiving from God, we try to earn from Him. Historically, this mirr

What if the question “How much is enough?” isn’t really about money at all? On today’s episode of Faith & Finance, we’re joined by Taylor Standridge, FaithFi’s Production Manager and a key contributor to the ministry’s new field guide on this very question. He explored why enough has less to do with numbers—and far more to do with the heart. Because in the end, enough is not a financial equation. It’s a spiritual one. The Problem Behind the Question At first glance, asking how much is enough sounds like a financial question. We tend to think in terms of income levels, net worth, or a desired lifestyle. But as Taylor pointed out, Scripture rarely approaches the issue this way. Instead, it exposes something deeper: what we trust, what we pursue, and what we believe will ultimately satisfy us. As Ecclesiastes 5:10 reminds us, “Whoever loves money never has enough.” The issue isn’t the amount—it’s the affection. When more becomes the goal, enough will always stay just out of reach. The finish line keeps moving because our desires expand alongside our resources. So the better question isn’t, “How much do I need?” It’s, “What is my heart relying on?” Enough Is a Matter of the Heart, Not a Number Taylor shared that two people can have the same income and experience it completely differently. One feels constant pressure, always needing more to feel secure. The other lives with peace—not because they have more, but because their trust is anchored elsewhere. This is what it means for enough to be a heart issue. It’s not about what’s in your account—it’s about what defines your security. When our thinking shifts from “How can I get more?” to “Can I trust God with what I have?”, something begins to change. The pressure to chase more fades, and contentment becomes possible—even if the numbers never change. Enough Is Rooted in Stewardship, Not Ownership Another key principle Taylor highlighted is the shift from ownership to stewardship. Instead of asking, “What do I own?”, we begin asking, “What has God entrusted to me?” Scripture reminds us that everything belongs to the Lord. We are stewards, not owners. And that changes how we approach every financial decision. Saving becomes purposeful, not fear-driven Giving becomes joyful, not reluctant Spending becomes intentional, not impulsive When we see our resources as entrusted—not owned—we begin to hold them with open hands, ready to use them for God’s purposes. Enough Is Found in Contentment, Not Control Taylor also explored how our desire for control often fuels financial anxiety. We often can ask:

Jonathan Edwards once said, “True legacy consists not of what we leave behind, but of what we instill in others.” That insight cuts against the grain of how many of us think about inheritance. We often focus on leaving behind money, assets, or property. But Scripture calls us to think bigger. What we pass on isn’t just wealth—it’s wisdom, character, and a legacy of faithfulness. So the real question isn’t simply, "What will I leave behind?" It’s, “Who am I preparing to receive it?” The Tension: Wealth Without Wisdom There’s a natural desire in all of us to provide for the people we love—children, grandchildren, or others God has entrusted to our care. And that desire is good. Proverbs 13:22 reminds us: “A good man leaves an inheritance to his children’s children.” But Scripture also gives us a warning. Proverbs 20:21 says, “An inheritance gained hastily in the beginning will not be blessed in the end.” Why? Because when wealth is passed on without wisdom, it can become more of a burden than a blessing. The goal isn’t just to transfer assets—it’s to transfer stewardship. Your heirs are not merely recipients. They are future managers of what ultimately belongs to God. And that changes everything. Inheritance Is About Responsibility Throughout Scripture, inheritance is deeply tied to identity and responsibility. In the Old Testament, land wasn’t just property—it was connected to covenant, calling, and faithfulness. Families didn’t simply receive something; they were entrusted with something. The same is true today. If we pass on wealth without preparing the heart, we risk creating confusion—or even harm. But if we invest in spiritual formation, in a biblical understanding of stewardship, and in trust in God as the true Provider, then what we leave behind becomes a tool for Kingdom impact. How to Prepare the Next Steward 1. Model Faithful Stewardship More is caught than taught. The way you handle money right now—how you spend, save, give, and trust God—is shaping the next generation, whether you realize it or not. Your financial life is telling a story: Is it a story of fear or faith? Of accumulation or generosity? Of control or surrender? Long before your children or grandchildren receive anything from you, they are learning from you. 2. Communicate Intentionally One of the biggest mistakes families make is avoiding conversations about money, values, and legacy. But silence creates confusion. Deuteronomy 6:6–7 encourages us to talk about God’s ways throughout everyday life. That includes how we think about money. Talk about: Why you give How you make financial decisions What you hope they carry forward Help them see that money isn’t the goal

God’s Word doesn’t just tell us how to manage money—it transforms how we see it. Too often, we approach finances as a purely practical matter: budgets, investments, and goals. But Scripture invites us into something deeper. It reframes money not as something we own, but something entrusted to us by God. When we begin to see money through that lens, everything changes. Today, Sharon Epps, President of Kingdom Advisors, joined the show to unpack several powerful, biblical principles that shape faithful stewardship. These aren’t just financial tips—they’re spiritual truths that guide how we live.  Let’s explore them. 1. The Power of Trust It may be surprising, but the foundation of wise financial stewardship isn’t money—it’s trust. Proverbs 3:5–6 reminds us: “Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to Him, and He will make your paths straight.” Before we talk about budgets or strategies, we must understand our role. God is the owner. We are the stewards. That truth brings freedom. It means your financial future doesn’t ultimately rest on your income, your employer, or the economy—it rests on God as your provider. And when you trust Him, you can seek His direction rather than relying solely on your own plans. 2. The Power of Focus In a world that celebrates multitasking, Scripture calls us to focus. Proverbs 4:25 says, “Let your eyes look directly forward, and your gaze be straight before you.” And Proverbs 16:3 adds, “Commit your work to the Lord, and your plans will be established.” Many people feel financially stuck, not because they lack resources, but because they’re trying to do too much at once—pay off debt, save aggressively, invest, give more, and upgrade their lifestyle. The result? Frustration and burnout. Instead, ask a simple question: What is the next step God is calling me to take? Then focus on that one thing. Progress often comes not from doing everything at once, but from faithfully taking the next step in front of you. 3. The Power of Priorities Every financial decision reflects a priority. Because our resources are limited, every dollar spent in one area affects another. That’s why setting priorities is essential. A helpful framework is the “live, give, owe, grow” model. And notably, the order matters. Start with giving. Then focus on growing (saving and investing). After that, address debt (owing), and finally, living expenses. One practical starting point is the 10-10-80 principle: 10% to give 10% to save or invest 80% for living and obligations This isn’t a rigid rule, but a helpful guide.  Within that 80%, three areas tend to have the greatest impact: Housi

“Everyone also to whom God has given wealth and possessions and the power to enjoy them…this is the gift of God.” — Ecclesiastes 5:19 What if true joy doesn’t come from gaining more—but from gratefully receiving what God has already provided? That’s the invitation we find in Ecclesiastes, and it’s the focus of a powerful conversation with John Cortines, Director of Partnerships and Growth at the McClellan Foundation and author of FaithFi’s study on the book of Ecclesiastes called, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money. His insight centers on what he calls the cycle of grateful living—a biblical framework that reshapes how we view money, work, and contentment. Rediscovering Joy in God’s Gifts Ecclesiastes 5:18–20 sits at the heart of Scripture’s teaching on money and meaning. These verses remind us of something we often overlook: Not only are wealth and possessions gifts from God, but so is the ability to enjoy them. That means joy isn’t something we manufacture through achievement or accumulation. It’s something we receive. Whether we have little or much, Scripture calls us to find satisfaction in the life God has already given us—our work, our relationships, and even our daily routines. Yet many of us miss this. We’re quick to recognize the dangers of money, but slow to embrace the goodness of God’s provision. The “E.A.T.” Cycle for Grateful Living John Cortines summarizes this biblical vision with a simple acronym: E.A.T. 1. Enjoy God’s Provision Everything we have—our resources, our health, our relationships—is a gift. Even the capacity to enjoy these things is given by God. Gratitude begins when we recognize that nothing we have is ultimately self-made. It all flows from His hand. 2. Accept Life’s Brevity Ecclesiastes repeatedly reminds us that life is short. This isn’t meant to discourage us—but to awaken us. When we accept the limits of our time and season, we begin to live with greater purpose. We stop postponing joy and start embracing the present as a gift. 3. Toil with Joy Work is not something to escape—it’s something to embrace. While our culture often dreams of financial independence as freedom from work, Scripture presents a different vision. We were created with purpose, and meaningful work is part of that design. Even in retirement, we’re called to engage in what is good, fruitful, and God-honoring. What Gets in the Way of Joy? If this cycle is so clear, why do so few people experience it? Cortines points out three common obstacles: Taking God’s provision for granted instead of cultivating gratitude Ignoring life’s brevity, living as if t

Every day, we make decisions about money—but not every decision is made on purpose. When it comes to generosity, many of us wrestle with familiar questions: Where should I give? How much is enough? Does my giving really make a difference? But Scripture invites us to see generosity differently—not as a financial habit, but as an act of discipleship. Intentional giving connects our everyday resources to God’s redemptive work in the world. From Overwhelmed to On Mission We’re surrounded by needs. Local churches, global missions, ministries serving the poor, organizations strengthening families and sharing the gospel—the opportunities are endless. And because of that, it’s easy to feel overwhelmed or default to reactive giving when something tugs at our hearts. But God’s Word points us to something deeper. Ephesians 2:10 reminds us: “For we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” Generosity isn’t random. It’s part of the purpose God has written into your life. You’re not just managing money—you’re participating in His mission. Generosity That Lasts Intentional giving begins when we realize that our work and income aren’t just about survival or success. They’re about joining God in meeting needs and restoring lives. The Apostle Paul writes in 1 Timothy 6:18–19 that we are “to do good, to be rich in good works, to be generous and ready to share… thus storing up treasure… so that they may take hold of that which is truly life.” Every intentional gift becomes an investment in eternity. It’s a present-tense glimpse of God’s Kingdom breaking into this world. Where Do We Start? Practicing intentional giving doesn’t have to be complicated—but it does require clarity and purpose. 1. Start with your local church. God designed the church to equip believers, reach communities, and advance the gospel. Supporting it isn’t just tradition—it’s participation in His ongoing work. 2. Care for the vulnerable. Proverbs 19:17 says, “Whoever is generous to the poor lends to the Lord.” Whether through local outreach, relief efforts, or helping a neighbor, these acts reflect God’s compassion in tangible ways. 3. Invest in the spread of the gospel. Romans 10:15 reminds us, “How beautiful are the feet of those who bring good news.” Every gift that helps someone hear about Christ carries eternal significance. When we give this way, our finances begin to tell a story—about what we love, what we value, and whom we trust. Grace, Not Guilt Here’s what makes intentional giving so powerful: it flows from grace, not guilt. 2 Corinthians 9:7 tells us, “Each one must give as he has decided in his heart… for God loves a cheerful giver.” We don’t give to earn God’s favor—we g

Faith-based investing has been around for decades, yet many investors still wrestle with an important question: Does aligning your investments with your values mean sacrificing performance or diversification? As more people seek to steward their resources in ways that reflect their convictions, it’s worth taking a closer look at what faith-based investing really is—and what it isn’t. On today’s show, Brian Mumbert, President of Timothy Plan—a pioneer in faith-based mutual funds—joined us to help clear up some of the most common misconceptions and offered a clearer picture of how values-driven investing really works. What Is Faith-Based Investing? At its core, faith-based investing seeks to align financial decisions with biblical values. This often involves screening out companies whose practices conflict with those convictions while still pursuing wise, disciplined investment strategies. Despite its growing popularity, several misconceptions persist. Misconception #1: “Faith-Based Funds Always Cost More” One common assumption is that filtering companies based on values automatically leads to higher fees. In reality, faith-based funds are managed much like traditional mutual funds. They involve professional research, portfolio management, and strategic allocation. In many cases, expense ratios are comparable—especially with the availability of lower-cost options like ETFs. That said, there may be instances where costs are slightly higher. But as Brian Mumbert noted, many investors are willing to pay slightly more to ensure their investments reflect what they truly value. Misconception #2: “You Have to Sacrifice Performance” Another concern is that prioritizing values means settling for weaker returns. But values-based screening doesn’t replace sound investment analysis—it works alongside it. Professional managers still evaluate fundamentals, risks, and long-term opportunities. In fact, many faith-based funds have demonstrated competitive performance over time, and in some cases, have even outperformed their unscreened counterparts. As Mumbert explained, the goal is to combine wise stewardship with disciplined investing—not to choose between them. Misconception #3: “It Doesn’t Really Make an Impact” Some critics argue that faith-based investing lacks real-world impact since most stock transactions occur on the secondary market. While it’s true that buying and selling shares doesn’t directly fund companies in the same way as an initial public offering, investing still represents ownership—and ownership matters. Mumbert pointed out that shareholders have a voice. They can vote proxies, engage with companies, and choose not to profit from industries that conflict with their convictions. For many believers, that’s a meaningful form of stewardship.

“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 Good Friday invites us into a sacred tension—one marked by sorrow, gratitude, and deep hope. It is the day we remember the crucifixion of Jesus Christ, when the Son of God bore the weight of our sin on the cross. And yet, for centuries, Christians have called this day good. Not because the events were easy or lighthearted—but because of what Christ accomplished through them. The Sorrow and the Wonder of the Cross For many believers, Good Friday carries a heaviness. We reflect on the suffering Jesus endured and the sobering reality that our sin made the cross necessary. Scripture reminds us that sin is not merely a mistake—it is a separation from God, the very source of life and love. And yet, alongside that sorrow is overwhelming gratitude. We remember the love of the Father who gave His Son, and the love of the Son who willingly laid down His life. Jesus stood in our place, absorbing the penalty we deserved so that we could be reconciled to God. This is the wonder of the cross: justice satisfied and mercy extended. A Story That Doesn’t End in Darkness Even on Good Friday, there is anticipation. We know what Sunday brings. The resurrection is coming—the victory over sin and death, and the promise of eternal life for all who trust in Christ. Good Friday is not the end of the story. It is the turning point. What looked like defeat became the doorway to redemption. That’s why we call it good. Here at Faith and Finance, we often talk about stewardship, generosity, and wise financial decisions. But Scripture frequently uses financial language to help us understand spiritual realities. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible—not by accident, but because they reveal the depth of what Christ has done for us. Romans 6:23 — “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” Mark 10:45 — “For even the Son of Man came not to be served but to serve, and to give his life as a ransom for many.” 1 Corinthians 6:20 — “You were bought with a price. So glorify God in your body.” These aren’t just metaphors—they are windows into the gospel. Our sin created a debt we could never repay. Left to ourselves, we had no way to restore what was broken. But Jesus stepped in. “It Is Finished” As Jesus breathed His last, He declared, “It is finished” (John 19:30). The Greek word is tetelestai—a word rich with meaning. It was used by servants to report that a task was com

Reverse mortgages often trigger strong reactions—especially among believers who want to honor God with their finances. But are those reactions grounded in biblical wisdom…or outdated information? When it comes to debt and home equity, emotions can run high. Yet Scripture calls us to something deeper than instinct—it calls us to understanding. As Proverbs 19:20 reminds us, “Listen to advice and accept instruction, that you may gain wisdom in the future.” To help bring clarity to this often misunderstood topic, Harlan Accola—who leads the reverse mortgage team at Movement Mortgage—joins the show today to separate fact from fiction. Why Reverse Mortgages Carry So Much Stigma For many people, the phrase reverse mortgage immediately raises red flags. And to be fair, some of that concern is rooted in history. As Harlan Accola explains, earlier versions of these loans—and in some cases, unethical practices—damaged trust. Like many industries, there were bad actors who misused the product and took advantage of seniors. But today’s reverse mortgage is very different. Modern reverse mortgages are federally regulated through the Federal Housing Administration (FHA) and include strong consumer protections designed specifically for older homeowners. Still, misinformation persists—often passed along by well-meaning friends, family members, or even within church communities. That’s why biblical wisdom matters here. We’re called not just to react, but to understand. Not All Debt Is the Same One of the biggest misconceptions about reverse mortgages is that they’re simply another form of dangerous debt. But as Harlan points out, not all debt functions the same way. Traditional consumer debt—like credit cards or auto loans—requires monthly payments. Miss those payments, and the consequences can quickly escalate, creating stress and financial strain. A reverse mortgage, however, works very differently: There are no required monthly principal or interest payments The homeowner must continue paying property taxes and insurance The loan is non-recourse, meaning the borrower will never owe more than the value of the home That final point is key. If the home’s value declines, the borrower (or their heirs) is not personally responsible for the difference. As Harlan emphasizes, understanding the mechanics of a financial product is essential before comparing it to others—or dismissing it altogether. A Practical Scenario: When Cash Flow Becomes a Struggle Harlan highlights a situation that’s becoming increasingly common. Many homeowners in their 60s and 70s have built substantial equity—but still carry monthly mortgage payments. In fact, a significant number of Americans over 62—and even over 75—are still making those payments. When un

“The simple believe everything, but the prudent give thought to their steps.” — Proverbs 14:15 In a world where scams are increasingly sophisticated, Scripture reminds us that precaution is not paranoia—it’s stewardship. Protecting the resources God has entrusted to us isn’t just practical; it’s spiritual. Today’s threats may come through phone calls, emails, text messages, or even impersonations of people we trust. But as followers of Christ, we are not called to live in fear—we are called to walk in wisdom. So what does wise, faithful stewardship look like in a digital age? 1. Slow Down and Verify Scammers thrive on urgency. They want you to act before you think. If someone pressures you—claiming to be your bank, a government agency, or even a loved one—pause. Hang up. Verify the source using official contact information. Remember: Pressure is a red flag. Wisdom takes a breath. 2. Be Wise About How You Send Money One of the clearest warning signs of fraud is how payment is requested. Never send money via wire transfer, gift cards, or peer-to-peer apps (like Zelle or Venmo) to someone you don’t personally know. Legitimate organizations will not demand payment this way. If something feels off, trust that instinct and walk away. 3. Use Tools That Protect You Not all payment methods are created equal. Use credit cards when shopping online—they typically offer stronger fraud protection than debit cards. Enable two-factor authentication (2FA) on financial accounts—it’s like adding a deadbolt to your digital front door. Use an authenticator app when possible instead of text-based codes. These simple steps dramatically reduce your vulnerability. 4. Strengthen Your Passwords Weak or reused passwords are one of the easiest entry points for thieves. Use a password manager like Bitwarden or NordPass to create and store strong, unique passwords. Avoid reusing the same password across multiple accounts. Think of your passwords as keys—each door should have its own. 5. Monitor and Lock Down Your Accounts Staying alert can help you catch problems early. Set up bank alerts for large transactions or unusual activity. Freeze your credit with all three major bureaus—it’s free and highly effective against identity theft. This is like installing an alarm system for your finances. 6. Be Cautious Online and in Public Convenience can sometimes come at a cost. Avoid accessing financial accounts on public Wi-Fi unless you’re using a VPN. Only log into accounts on your personal devices. Limit what you share on social media—de

Is it possible to have everything—and still be missing the one thing that matters most? That’s not just a philosophical question. Scripture gives us real-life examples of people who appeared successful by every measure, yet walked away empty. On today’s episode, Bob Shank—founder of The Master’s Program—joins us to help unpack how Jesus challenges our definition of wealth and invites us into something far greater. Why the Desire for “More” Is So Universal Across cultures, generations, and economic backgrounds, one desire seems to unite us all: the desire for more. According to Bob Shank, that longing isn’t inherently sinful—it’s actually part of how God designed us. From the beginning, God created humanity with a mindset of multiplication (Genesis 1:28). We were wired to grow, build, and increase. But sin distorts that desire, redirecting it toward the wrong things. The problem isn’t the desire for more—it’s what we define as “more.” God calls us to pursue more of what truly satisfies: His presence, His purposes, and His Kingdom. Why Wealth Never Fully Satisfies Even when people pursue wealth responsibly and achieve their financial goals, something often still feels incomplete. Why? Because, as Bob explains, redemption reshapes our desires. When the Holy Spirit renews our hearts, we begin to long for something this world cannot provide. What once satisfied us begins to feel insufficient. That lingering dissatisfaction isn’t a flaw—it’s a grace. It’s God’s way of reminding us that we were made for more than material success. As Ecclesiastes 3:11 says, “He has put eternity into man’s heart.” The Rich Young Ruler: A Case Study in Misplaced Wealth Few stories capture this tension more clearly than the account of the rich young ruler (Matthew 19:16–22, Mark 10:17–22, Luke 18:18–23). Here was a man who had everything—wealth, influence, and moral discipline. Yet he approached Jesus with a revealing question: “What must I do to inherit eternal life?” On the surface, it sounds like a spiritual question. But beneath it was something deeper—a longing that success had failed to satisfy. Jesus’ response is both familiar and often misunderstood: “Sell your possessions, give to the poor… and you will have treasure in heaven. Then come, follow me.” (Matthew 19:21) Most people focus on what the man was asked to give up. But just as important is what Jesus was offering: treasure in heaven. Jesus wasn’t condemning wealth—He was redirecting it. What Is “Treasure in Heaven”? Bob Shank highlights a key insight: the word “treasure” in this passage points to abundance—something stored, secured, and lasting. Jesus wasn’t asking the man to lose his wealth, but to relocate it. In

Most of us don’t wake up intending to serve money. And yet, over time, financial pressure, goals, and anxieties can quietly begin shaping our decisions, priorities, and even our sense of security. Jesus addresses this directly in Luke 16:13: “You cannot serve God and money.” But that doesn’t mean money has no place in the life of a believer. It simply means money must never be our master. The invitation of Scripture is far better: not to serve money, but to serve God with money. Money Is a Gift to Receive with Gratitude One of the most important starting points is recognizing that money is not inherently bad—it’s a gift. Ecclesiastes 5:19 reminds us, “Everyone also to whom God has given wealth and possessions and power to enjoy them—this is the gift of God.” God is not opposed to provision or even enjoyment. In fact, when Jesus fed the five thousand in Matthew 14, He didn’t just meet the need—there were twelve baskets left over. The message isn’t excess for its own sake, but that God’s provision is abundant and generous. When we begin here, with gratitude, money shifts from something we grasp for to something we receive. Money Reveals What We Trust At the same time, money carries real spiritual weight. 1 Timothy 6:10 says, “The love of money is a root of all kinds of evils.” Notice—it’s not money itself, but our love for it that leads us astray. Money has a way of exposing our hearts. Every financial decision—spending, saving, giving—asks a deeper question: What am I trusting right now? Am I looking to money for security? Am I using it to shape my identity? Or am I trusting God as my provider? Money is morally neutral, but how we use it is deeply spiritual. Money Is a Tool for Purpose, Not a Goal Scripture consistently points us beyond accumulation. Ephesians 4:28 tells us to work “so that [we] may have something to share with anyone in need.” That’s a profound shift. We don’t earn simply to build our own lives—we earn to participate in God’s provision for others. This reframes everything: Work becomes more than survival—it becomes participation in God’s generosity. Saving becomes preparation, not fear. Investing becomes stewardship when it supports future responsibility and generosity. Money finds its greatest purpose when it flows outward, not when it’s hoarded inward. Putting Money in Its Proper Place Jesus’ words in Luke 16:13 remind us that money must remain a servant, never a master. John Wesley captured this beautifully when he wrote: “Money is an excellent gift of God… it is food for the hungry, drink for the thirsty, raiment for the naked.” That’s a picture of redeemed money—money used for purp

“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, freedom, and generosity. But for students and young professionals just starting out, the question remains: Where do you begin? On today’s episode, Bob Doll—CEO and Chief Investment Officer at Crossmark Global Investments—joined us to share practical, faith-rooted guidance to help young adults build a strong financial foundation from the very start. Start With a Plan Every wise financial journey begins with a plan. Bob emphasizes that a budget is the starting point—simply knowing what’s coming in and what’s going out. Without a plan, it’s easy to drift financially. With one, you gain clarity and direction. From there, establish an emergency fund—typically three to six months of expenses—to prepare for life’s unexpected turns. And just as importantly, avoid high-interest debt, especially credit card debt. Left unchecked, debt can quickly undo financial progress. Learn From Others—and Seek Guidance One of the fastest ways to grow in financial wisdom is to observe others. Look at those who are thriving financially—and those who are struggling. What patterns do you see? What choices led them there? Bob encourages young adults to seek out mentors and wise counsel. A trusted advisor or a financially mature believer can help you avoid common pitfalls such as overspending or neglecting savings. And don’t underestimate the value of learning. Reading solid, biblically grounded resources can shape your thinking and help you develop lifelong habits of stewardship. Embrace a Biblical Perspective on Money At the heart of financial wisdom is a simple but transformative truth: It’s not our money. Everything we have—our income, possessions, time, and abilities—belongs to God. We are stewards, entrusted to manage His resources faithfully. This perspective reshapes everything. It moves us from ownership to stewardship, from control to surrender, and from self-focus to God’s purposes. Don’t Miss the Opportunity to Be Generous One of the most powerful lessons Bob shared came from personal experience. Early in his career, he and his wife avoided overspending—but they realized later they had accumulated more than they needed, missing opportunities to give generously. His advice? Start giving early. As Acts 20:35 reminds us, “It is more blessed to give than to receive.” Generosity isn’t something to postpone until you have “more.” It’s a discipline that shapes your heart right now. God often uses generosity to transform us—deepening our trust, increasing our joy, and aligning our hearts with His.</

In rural Malawi, many children wake each day unsure if they’ll eat, relying on water that can make them sick. For families living in deep poverty, this isn’t an occasional hardship—it’s daily life. Yet even in these conditions, there is hope. Today, we were joined by Aaron Griggs of Cross International, a Christian humanitarian and development ministry, to talk about how lives are being changed in places like Malawi through practical help and the hope of the gospel. Life in Rural Malawi: A Daily Struggle for Survival In remote villages like Tanganyika, life revolves around meeting the most basic needs. Families often don’t know where their next meal will come from, and many children go to bed hungry. Access to clean water is one of the greatest challenges. Most families rely on open water sources contaminated with bacteria, leading to frequent illness—especially among children who are already malnourished. These illnesses not only weaken their bodies but also rob them of the nutrients they desperately need. Housing is fragile and unsafe, medical care is scarce, and education is often out of reach due to cost. Add to that years of severe drought that have devastated crops, and the cycle of poverty deepens. And yet, as Aaron shared, these families are resilient—working hard, doing their best, and holding onto hope for a better future. The Hidden Cost of Unsafe Water Contaminated water doesn’t just affect health—it disrupts every part of life. Children, especially girls, often spend hours each day walking long distances to collect water. That’s time they could be spending in school. At the same time, women are unable to pursue income-generating work, making it even harder for families to afford school fees. Even when children attend school, frequent illness makes it difficult for them to focus and learn. Over time, they fall further behind, limiting their future opportunities. A Long-Term Approach to Breaking the Cycle Cross International doesn’t just meet immediate needs—they focus on lasting transformation. Their approach is built on a partnership with local ministries. Rather than imposing outside solutions, they work alongside community leaders to create sustainable, long-term change. This model has proven effective. Many of their ministry partners have been serving their communities for over a decade, allowing them to witness real transformation—physically, economically, and spiritually. Bri’s Story: A Life Transformed