Tithing Off Your Gains with Brian Mumbert

Jan 29, 2025

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“Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use, it will be measured back to you.” - Luke 6:38

Jesus’ words in the Sermon on the Plain are a reminder that we should look for ways to be generous with all aspects of our finances, including investments. Brian Mumbert is here today to share some helpful ideas.

Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.

Dispelling the Myth: Performance vs. Values

A common misconception in Faith-Based Investing is that investors must compromise financial performance to adhere to their values. Since the inception of Faith-Based Investing in 1994, the industry has made tremendous strides. What started with limited resources and headwinds has now evolved into a robust market with proven fund management, strong fundamentals, and competitive returns. Today, investors can achieve great risk-adjusted returns while staying true to their faith-based principles.

Many investors have questions about whether they should tithe off their investment gains. In Luke 12, Jesus instructs us to store treasures in heaven where they cannot decay or be stolen. Additionally, 2 Corinthians 5:1-2 reminds believers that this world is not our home, and we are merely stewards of God’s resources. Unfortunately, statistics show that the average American earning over $150,000 annually gives only 1.7% of their income, with Christians slightly higher at 2.5%. Tithing on investment gains is an opportunity to demonstrate faithfulness and generosity.

Timothy Plan's Commitment to Tithing

Timothy Plan leads by example, tithing off the revenue it receives from mutual funds. The company sees this as an act of obedience and stewardship, using their resources to support causes that align with their mission. From funding crisis pregnancy centers to promoting faith-based media and supporting biblical entrepreneurs in underprivileged areas, Timothy Plan goes beyond just making money for investors—they are actively contributing to kingdom work.

When it comes to deciding where to allocate their charitable contributions, Timothy Plan follows a thoughtful approach. They look at “the other side of the screen,” meaning they support organizations that counteract the very issues they stand against. For example, as a pro-life, pro-family investment firm, they support crisis pregnancy centers and organizations like Movie Guide, which advocate for family-friendly entertainment in Hollywood. Their impact extends locally in Orlando, Florida, and globally across the world.

Looking Ahead: What's New at Timothy Plan

With new seasons ahead for the country, faith-based investing remains a powerful tool to influence culture and financial stewardship.

For those interested in aligning their investments with their values and making an impact through Faith-Based Investing, Timothy Plan offers a variety of investment options. Visit TimothyPlan.com to explore their offerings and learn more about their mission.

On Today’s Program, Rob Answers Listener Questions:

What key things should I focus on when looking for a mortgage company to buy a home? I want to put down at least half the purchase price using proceeds from selling two other properties and get a 15-year mortgage at the lowest rate possible. What should I look for when comparing lenders?
I have a small architecture business, and my income has fluctuated significantly over the last 3.5 years. My financial advisor has suggested I put my business on the back burner and get a consistent salary job instead to meet my family's budget and pay down debt. How can I be transparent and respectful when communicating to a potential employer that I want a salaried job but also want to keep my business on the side?
Is it better for me to continue putting the maximum $200 per month into my retirement IRA, where my employer matches 50%, or should I put that money towards paying off my debt instead? I'm trying to decide whether to focus on maxing out the retirement contributions to take advantage of the employer match or if I should prioritize debt repayment.
I'm 12 months away from turning 59 1/2, so I can take retirement withdrawals without penalty. My wife and I have a Roth IRA, and she's also over 55. Would it make sense for me to make $8,000 withdrawals from my 401(k) to max out both of our Roth IRAs for the next 5 years, even though I plan to keep working for 4-5 more years? I'm trying to figure out if that strategy of funding the Roth IRAs makes sense in my situation.
I'm looking for resources to find more mortgage lender options besides the one on Bankrate.com. I checked the website of Movement Mortgage, which has a charitable background, but I didn't see anything for the St. Louis area. What other websites or tools can I use to find quality mortgage lenders and compare rates without them pulling a hard credit check that would affect my credit score?

Resources Mentioned:

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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