More Than Money

John Rinehart from Gospel Patrons joins us to share a few practical steps to becoming more openhanded with our money. Art also answers question about paying for Disney World and whether or not to sell your home.Listener questions answered:I want to take our family to Disney World this year, but we don’t have the money right now. My husband typically gets a bonus at the end of the year that would cover the costs. What do you think about paying for it with a credit card, knowing we can pay it off at the end of the year?The real estate market is hot right now. Should I sell my home?Notes:Gospel Patrons | https://bit.ly/33zeoGHThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

The Rainer's paid off their mortgage. Woohoo! In this episode, Sarah joins Art to have a conversation about the lessons they learned along the way. Listener question answered:Should I pay off my mortgage? I am a pastor with a housing allowance and I don’t want to mess anything up. What do you think?Notes:Lessons Learned:1. Know your why.2. Buy a house you can afford.3. Have a plan.4. Stay focused (this is a long journey).5. Be flexible (this is a long journey).Notes:The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

In this episode we answer questions about inheritances, savings bonds, and digital retirement platforms. Plus, we make fun of Taylor’s dancing. It is a great episode!Listener questions answered:When one adult child is a very poor money manager, what is the best way to set up a will so that an inheritance does not make the problem worse?While reading your new book, "The Money Challenge for Teens", you mention the importance of no minimum balance and low trading fees. Do you recommend online investment platforms such as Betterment for Roth IRA's? Why or why not?Are bond checks worth investing and giving as a gift?Notes:Taylor's Hilarious Dance Video | https://bit.ly/3gI11vvThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Should I plan to care for my parents? Is 0% financing a good idea? We answer these questions plus a few other listener questions in this episode. Also, we announce a new giveaway! Listener questions answered:Regarding home improvements, how do you balance future ROI vs. what you want to live in?Is 0% financing a good idea?Should I plan to care for my parents?What are effective ways to teach HS Seniors money management and stewardship BEFORE they go to college?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Steve has $50,000 in debt and wants to know if he should sell his home to pay off the debt. In this episode, we answer Steve’s question plus several other money questions from our listeners. Also, we announce a new giveaway! Listener questions answered:Should I use sell my home to pay off my debt?Would you have a recommendation for a percentage of my income to use towards a mortgage?I’ve already maxed out my Roth IRA. What should I invest in for the remainder of my 15%? I am self-employed, so 401K is not an option.Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Last week, we asked you to send in your money questions. And you responded in a big way. So, we are going to answer a few of your questions in this episode. Plus, we will announce the giveaway winner!Listener questions answered:How should one order priorities of saving for retirement, paying off debt, saving for college, etc.? I've taken my workplace match (6%) on my retirement account which is a 403(b) since I work at a non-profit, but as I think about where to invest the rest of my 15%. I'm tempted to invest it elsewhere since my 403(b) options are very slim. Is it smart to put the rest in something like a Roth IRA, or is it better to keep everything in the same account to capitalize on higher gains since the account will have more money?What are the best practices in a healthy financial marriage when one spouse loves the idea of paying off a 3 % loan on a house and the other spouse loves the opportunity of making 8-10% in the market?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Some decisions are clear. Should we give? Yes. Should we pay our bills? Of course. what about those questions that aren’t always so clear, like should you give to the homeless man at the traffic light? I invited, Dr. David W. Jones, a Professor of Christian Ethics, to answer three questions:•Is it okay for Christians to negotiate down debt?•Is it okay for Christians to be rich?•Should you give money to the homeless man at the traffic light?Listener questions answered:Should I use the money to invest in the stock market or pay off my mortgage?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Does your family struggle with budgeting? Don’t worry, you are not alone. Jimmy and Kristin Scroggins are, not just great ministry leaders, but amazing budgeters. In this episode, they share what they’ve learned from budgeting for a family of ten.Listener questions answered:Is it worth the effort trying to find a better rate on our Liquid Money Market account for our emergency fund? We currently earn .15% dividend rate with our credit union. Are we missing out on a significant advantage by keeping it with them?Do you tithe all money you receive? Examples being birthday, graduation, tax returns, etc.Notes:Full Circle Parenting: A Guide for Crucial Conversations | Buy it here: https://amzn.to/3ri3hv8The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Budgeting? Teenagers? Are you serious? We are. Crystal Paine is a New York Times bestselling author known widely as the Money Saving Mom, and on this episode, she joins us to discuss three important tips for teaching your teenager about budgeting.Listener questions answered:Any big pros/cons with using a state option rather than a big firm for 529 Plans?Do you use a software for budgeting or all tactile?Notes:https://moneysavingmom.com/Love-Centered Parenting: The No-Fail Guide to Launching Your Kids | Buy it here: https://amzn.to/3cHbsvVThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Yes, all parents wish they could get a few do-overs. In this episode, we talk about five mistakes parents make when teaching their kids about money, And don’t worry, you will not finish the episode feeling guilty but inspired.Listener questions answered:Should you try to be “fair” and support each child equally?Notes:1. Parents often avoid discussions about money with kids because it is perceived as “adult stuff.”2. Parents fail to model healthy behaviors to their kids.3. Parent don’t spend enough time reading the Bible or participating in discipleship to apply a biblical worldview to their own finances.4. Parents don’t understand how Scripture applies to financial conversations.5. Parents get too busy in the day-to-day and often unintentionally fail to be generous or model a mission mindset.TheFinancialApologist.comThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode Sponsor:Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/