More Than Money

27% of side hustlers rely on that income to cover monthly bills. Nearly one-third of side hustlers are over 54 years old. You didn’t see what one coming, did you? In this episode, we are looking at the income side of the financial equation. We are talking about side gigs. Listener questions answered:Question #1: How can I bring in more income to get rid of debt, build a cushion, and an emergency fund for my family?Question #2: Are there any unique Covid-19 opportunities?Question #3: What is the best approach to saving for kids post high school with the potential move away from college and towards trades?Other notes:3 Important Lessons About Side Gigs:1. Figure out what you are passionate about.2. Decide how much you can handle in your schedule.3. Make sure you are withholding taxes.Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously | Buy it here: https://amzn.to/3do4tYEEpisode 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/

74% of millennials and 52% of baby boomers believe that millionaires inherited all their wealth? On this episode, best-selling author and Ramsey personality, Chris Hogan might just make you rethink that belief. And, of course, we answer some of your money questions. Listener questions answered:Question #1: Any advice on saving for college for your children? Our parents really did great with providing us college money, and we want to do the same for our kids but are on a tight budget. Both my husband and I graduated DEBT FREE and I love how you talked about that and encouraged graduating debt-free in the Money Challenge for Teens Book! Question #2: I have been putting money away for years in my 403(b). According to my financial advisor, I am on target for retirement. Currently, I am 45, married, with several kids. How much life insurance should I get, and what kind to cover any holes prior to me putting my full amount into my 403(b) over the course of the next twenty years?Other notes:Everyday Millionaires: How Ordinary People Built Extraordinary Wealth ― and How You Can Too | Buy it here: https://amzn.to/3ihu46xEpisode 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/

On this episode, we are talking about newlyweds and money. I have ArtRainer.com contributor and Executive Pastor at Redeemer Church in North Carolina, Daniel Tripp, to walk us through what he has learned over the years. We also answer a few listeners’ money questions. It is a great episode for all married couples. Listener questions answered:Question #1: What do you tell a couple where one spouse is hostile to a budget and the other knows it would be helpful, but wants to keep the peace?Question #2: My wife and I are hoping to purchase our first house in a year or two and we know that most people recommend a 20% down payment to avoid PMI. We've been married for 7 years and are currently debt-free. We want to get as close to 20% as possible, but we also don't want to deplete our savings. Which should we prioritize - the down payment or savings?Other notes:3 questions to answer before you buy a home: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?Book: The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/346J81QEpisode 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/

On this episode, we're talking about the Joneses — those people that you are constantly trying to keep up with and are ruining your financial health. We are also going to hear from the president of the Christian Stewardship Network, Leo Sabo, and, of course, we will answer some of your money questions.Listener questions answered:Question #1: Why do you prefer a 529 over a Coverdell ESA when it comes to college planning?Question #2: What type of account would you recommend our emergency savings to sit in?Question #3: What is your best advice to save for retirement when still trying to pay off old debt.Other notes:1. Know what God says about money.2. You need a financial plan.3. Be intentionally grateful.4. Spend less time on social media.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/

Why are ministers often hesitant to talk about money? In this episode, we hit on a topic that’s often ignored—ministers and money. We are going to hear from best-selling author, Carey Nieuwhof, on the subject. And of course, we are going to answer some money questions.Listener questions answered:Question #1: How much/often should a church preach on money? In your opinion, would a class be better?Question #2: Does it raise suspicion with the IRS if you raise or lower your housing allowance designation during the year either as you get used to living in a new state with a different cost of living or as you anticipate purchasing a new home (thinking of the future)?Question #3: Is it generally acceptable to claim moving expenses, first month’s rent, etc. as part of the housing allowance since I would say they fall under the category of setting up and maintaining the home that will be used immediately upon employment, but were actually paid for prior to my official hire date?Other notes:Housing Allowance for Ministers: Made Easy by Art Rainer | Buy here: https://amzn.to/2Zjh35FEpisode 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/

Did you know that a brand-new car depreciates by 10% the moment it drives off the car dealer’s lot? Car purchases—an area where financial blunders are often made. The mistakes in this area are costly. Sometimes, it’s like taking a big pile of money, worth thousands of dollars, and lighting it on fire. We can do better. By the end of the episode, we hope you are viewing car purchases through a different lens and saving money.Listener questions answered:Question #1: Can you expand on Milestone #5 about how many months to have stocked up for an emergency fund? What circumstances should have more and which ones less?Question #2: Do you and your spouse have joint or individual checking accounts? Why?Other Notes:How to view cars through a different lens:1. Remember the statistics.2. Focus on what a car payment prevents you from doing—living generously.3. Remind yourself that all new cars eventually become old cars.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/

70% of couples argue about money. 57% of divorced couples reported that money was thereason for their divorce. On this episode, we are spending some time on the topic of marriageand money. We get some wise advice about marriage from the President of Crown Financial,Chuck Bentley, and we answer a few money questions. You will love this episode.Here are the questions we answer:Question 1: How do you manage a budget while allowing for the Holy Spirit to lead you ingiving? Question 2: Should I refinance my ARM (adjustable-rate mortgage) if I think I may move in a few years?Additional Notes:Money Problems; Marriage Solutions: 7 Keys to Aligning Your Finances and Uniting Your Heartsby Chuck Bentley | Buy it here: https://amzn.to/2G5fykPShould I Refinance My Mortgage? from ArtRainer.com - https://bit.ly/2ExgbDhEpisode 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/

Is God in control, or is He not? In times of worry, that is the question we must answer. Now, trusting in God doesn’t mean we remain inactive. No, it moves us to action. We make wise money moves. We keep moving forward.Listener questions answered:Question #1: What can people do if they can't pay their rent/mortgages due to COVID related issues?Question #2: What age should I start talking about money with my son?Other Notes:Your Financial PrioritiesPriority #1: Giving.Priority #2: Food and health.Priority #3: House.Priority #4: UtilitiesPriority #5: Automobile.Priority #6: Other loansPriority #7: Everything else.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/

Debt is a generosity killer. Because you are obligated to pay your bills, you cannot give and help others in the way that you probably desire. This is why we need to get out of debt and avoid debt. And you are going to hear a story about someone who did just that on this episode.Listener questions answered:Question #1: Which should I do first—max out my Roth IRA or pay off my debt?Question #2: At what point did you feel educated and experienced enough to write andencourage others on their journey of financial freedom equipping individuals to support theKingdom of God?Other notes:8 Money Milestones:Milestone 1: Start giving.Milestone 2: Save $1,500 for a minor emergency.Milestone 3: Max out your 401(k) or 403(b) match.Milestone 4: Pay off all debt except your mortgage.Milestone 5: Save 3 to 6 months of living expenses for a job-loss emergency.Milestone 6: Put 15% of your gross income to retirement.Milestone 7: Save for college or pay off your mortgage.Milestone 8: Live generously.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/

Why do we talk about retirement? Because we want your retirement years to be some of themost generous years of your life, able to use your time and your money to be part of advancing God’s Kingdom in your community and around the world. Because the Great Commission doesn’t stop when your retirement starts. And in this episode, we focus on Baby Boomers.Listener questions answered:Question #1: How do I get started investing?Question #2: Should I invest in Bitcoin?Other Notes:Kingdom Advisors: https://kingdomadvisors.com/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/