More Than Money

It’s time for your Financial State of the Union! Give yourself a strong year-end and a great start to 2021 with this report. Listener questions answered:Do you think it’s wise or appropriate to fluctuate your giving when you have a highly flexible take-home pay?How much life insurance do I really need?Your Financial State of the Union:1. Review your generosity.2. Review your cash.3. Review your debt.4. Review your retirement account.5. Review your net worth.6. Review your goals. Other notes:DIME Method: Debt + Income + Mortgage + EducationEpisode 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, Art talks with Paul David Tripp about how Scripture shines a light on the real reasons we struggle with money, and why we don’t fix debt with a budget. 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?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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Does your view on money hurt you? For many, the answer is “yes.” In this episode, I ask Derrick Kinney, the CEO of Good Money Framework, to discuss how a person’s resentment of money is ruining the world. Listener questions answered:How one can be sacrificial in giving while paying off debt?Roth or Standard IRA?”Other notes:1. Money represents scarcity and strain.2. You see money as working against you.3. Your family money tree did not grow.4. There’s not enough money to fulfill your dreams.5. The money math doesn’t add up.The 3 levers that create wealth:1. Save more.2. Earn more.3. Reduce debt.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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

I’ve been eager to share my friend, Roshaun Freeman’s story for some time. Here was a guywho had seemingly everything against him, including cerebral palsy. Yet, he crushed $50,000 in student loan debt. Get ready to be inspired.Here are my takeaways from Roshaun Freeman’s story:1. We have to take responsibility for our decisions.2. Getting out of debt takes focus and sacrifice.3. Getting out of debt is more than possible for you.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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

2020 is almost over! It is time to get your year-end plan together. And in this episode, we are talking with Talaat McNeely from HisAndHerMoney.com about the year-end money moves you should be making.Listener questions answered:What is the best way to start saving for a child's future college fund?Should I rent and save 15% for retirement or reduce my retirement savings and put it toward a down payment on a house.Other notes:Moves you should make before year-end1. Review your last 12 months of spending2. Obtain a recent copy of your credit report3. Take a look at your debt balances4. Establish new short-term goals5. Assess all of your investments6. Determine your contributions to charity7. Make sure you have sufficient life insuranceEpisode 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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

According to a recent survey, 21.5% percent went into debt over Christmas in 2019. Are you financially prepared for Christmas? In this episode, we consider five ways you can ruin your finances over the holidays and provide some practical tips to avoid them all.Listener questions answered:What is the best savings vehicle to start putting aside money for future weddings?If there is money left at the end of the month, do you suggest putting an additional amount in savings or use it as an additional principal payment on our mortgage?Other notes:How to ruin your finances this Christmas:1. Don’t plan. 2. Feel obligated to get everyone a gift.3. Go into debt for Christmas purchases. 4. Wait until the last minute to purchase gifts. 5. Pull back on your financial generosity to your church and others. Practical money tips for Christmas:1. Get a budget.2. Find cost-friendly gifts.3. DO NOT GET A STORE CREDIT CARD! 4. Give yourself time to find wallet-friendly, but good gifts.5. Be intentional about your generosity this Christmas.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. Learn more here: https://www.securegive.com/

Need some inspiration? In this episode, you will hear an incredible story about, not just getting out of debt, but a story of God’s grace and mercy. It’s a story that has to inspire you. You will finish the episode thinking, “God is so good, and if he can do it, I can too.”Notes:1. God gracious and merciful.2. To get financially healthy, you must do the opposite of everything you did that got you into your financial mess.3. No one said getting financially healthy was going to be easy. But it is worth the effort.4. Financial health can be an idol. Make sure it remains a tool, not a goal.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. Learn more here: https://www.securegive.com/

In this episode, Art answers questions about down payments on homes and how newlywed couples can combine their finances. Art also talks to Lisa Zeeveld, the COO of Belay Solutions, about being the world’s greatest virtual employee. Listener questions answered:What’s the best way for a newly married couple to go about combining their finances?Is it really necessary to save 20 % to buy a home?Other notes:Here are the three questions which you should be able to answer “yes”:1. Do you plan on living there for at least 5 years?2. Will your mortgage payments be less than 30% of your after-tax pay?3. Do you have at least 20% for a down payment?The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/2TqSksNEpisode 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. Learn more here: https://www.securegive.com/

“How do you handle finances in your marriage?” I get this question a lot. So, I’ve invited my wife, Sarah, to talk about how we navigate finances in the Rainer household. And we also answer some more of your money questions like, “Why does money cause so much stress in relationships?”Listener questions answered:Why does money cause so much stress in relationships?Where do we go next financially once we get our house? Retirement? Investing?Sarah, what is it like being married to the true and better Dave Ramsey?Other notes:1. Mission2. Communication3. Compromise4. Goals5. Trust6. Education7. EqualityThe Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/2TqSksNEpisode 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. Learn more here: https://www.securegive.com/

Getting hired looks different today. Have you had an interview since the pandemic hit? If so, you’ve probably experienced a video interview. Preparation is different. So, in this episode, we are considering what to do (and what not to do) when it comes to virtual interviews. And, of course, we have a few of your money questions and will be answering those. Listener questions answered:Question #1: How do you expect the economy to be permanently changed due to COVID?Question #2: What would be your advice to a new pastor regarding opting out of Social Security?Other notes:Housing Allowances for Ministers: Made Easy | Buy it here: https://amzn.to/2H8hKJbEpisode 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. Learn more here: https://www.securegive.com/