More Than Money

Oneness—this is God’s design for marriage, and it includes a couple’s finances. In this episode, you are going to hear a married couple’s incredible journey from hoarding to living generously. It will inspire you and our spouse to take that next step in your generosity story.Listener questions answered:What are your thoughts on cryptocurrency?Should we decrease our giving to finish the debt then pick it back up?Notes:The 4 Giving Principles:1. Giving is to be a priority.2. Giving is to be done proportionally.3. Giving is to be done sacrificially.4. Giving is to be done cheerfully.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/

Jenn Collins is the founder of Mama Needs Box. What started out as a dream is now reality. In this episode, I talk with Jenn about her successful side gig and the lessons she learned along the way. Get ready to be inspired!Listener questions answered:Debt snowball or debt avalanche? Which is right for me?Notes:Jenn’s Lessons Learned:1. Don’t assume.2. Find your people.3. Focus on what you are good at.MamaNeedsBox.com | https://mamaneedsbox.com/Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously | Buy it here: https://amzn.to/3dEDQRtThe 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/

We are to cast our anxieties on God, but this does not mean we should not prepare for the inevitable emergency. In this episode, I’m having a conversation with my good friend and financial expert, Robby, about preparing for financial emergencies. Listener questions answered:How much cash should I keep in my car?How much of an emergency fund should a retiree with no debt have?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzDIME Method:DebtIncomeMortgageEducation 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/

Understandably, student loan debt has been a really big topic recently. According to a recent study, 44.7 million Americans have student loan debt. On this episode, we welcome Ramsey personality, Anthony ONeal, to discuss how to get rid of your student loan debt.Listener question answered:What is your opinion on the government paying off student loan debt?Notes:Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster by Anthony ONeal | Buy it here: https://amzn.to/3aMfl1DDebt Free Degree by Anthony ONeal | Buy it here: https://amzn.to/3aRj4uDThe Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously by Art Rainer | Buy it here: https://amzn.to/3aRj65JEpisode 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/

It is time to learn about some important financial tools that are out there. In this episode, Art talks with financial expert, Robby Scholes, about three must-know financial tools. It is fun and informative conversation. Plus, Art answers questions about debt, retirement, and Social Security.Listener question answered:Question 1: Should I pay off debt or save for retirement first? Also, should I take from my retirement to pay off debt?Question 2: I am considering taking Social Security early at age 62. Can I also work full time?Notes:3 Reasons not to take money from your retirement:1. 10% penalty2. Ordinary income taxes3. Opportunity cost (compounding)Episode 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/

Albert Einstein famously said, “Compound interest is the eighth wonder of the world. He who understands it, earns it...he who doesn't...pays it.” On this episode, I’m talking to a 16-year old who understands it and is earning it. Parents, this episode will inspire you.Listener question answered:How young should you start teaching your kids about money and finances?Notes:1. Children can start learning about God a lot earlier than most parents realize.2. Children can start learning about money a lot earlier than most parents realize.3. Things stick children a lot longer than most parents realize. The Money Challenge for Teens | Buy it here: https://amzn.to/3ccc3qIThe Secret Slide Money Club | Buy it here: https://amzn.to/3sZUHn2Episode 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, I have a conversation with best-selling author Deborah Pegues about some lighthearted topics like emotional spending and enabling. After I talk to Deborah, I provide seven things high school seniors should know about money.Notes:1. Money is the result of work.2. Money is finite. 3. Debt is a burden.4. Instant gratification often leads to delayed financial health.5. A little bit of money + A lot of time = A lot of money. 6. God is the owner and provider of everything.7. Eternal treasures are greater than earthly ones.Listener question answered:I'm a high school pastor now and desire to equip graduating seniors with more financial knowledge than I had at 18. My question is, what are the 3-5 things seniors need to know?Episode 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, I have a conversation with our producer about credit cards. We have differing opinions on them, so I thought it would be fun to talk about our views.Notes:•Financial Priority #1: Giving (if you still have income)•Financial Priority #2: Food and health.•Financial Priority #3: House.•Financial Priority #4: Utilities.•Financial Priority #5: Automobile.•Financial Priority #5: Other loans.•Financial Priority #6: Everything else.Listener questions answered:Several of my peers have been let go where I work. As I precaution, I’m looking for other job possibilities. How should I prepare financially?I have $5,000 saved in an emergency fund, but I can’t find a decent rate on any account. Any suggestions?Episode 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/

Rachel Cruze from Ramsey Solutions joins us on the show to discuss her new book, Know Yourself, Know Your Money. In this interview, we discuss how our childhood impacts our view of money.Rachel Cruze's new book, "Know Yourself, Know Your Money" is out now! Get it here: https://amzn.to/3hN6G22Listener questions answered:I'm in my 40's. So, what percentage of social security should I figure into my retirement calculation.How do I know how much is enough for retirement?Other notes:4% RuleRetirement Budget x 25 = Amount Needed for RetirementEpisode 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/

Alright, I have another incredible story for you. This time, you get to hear how the Morvays paid off $46,000 in one year! It is an amazing story with some important lessons learned.Notes:Your Financial State of the Union:1. Review your generosity.2. Review your cash.3. Review your debt.4. Review your retirement.5. Review your net worth.6. Review your goalsEpisode #22: Your Financial State of the Union - Listen Here: https://bit.ly/2JxItAaLessons learned:1. Trust the Lord during the entire process.2. Make a financial plan.3. Live within your budget.4. Walk in community.Episode 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/