Faith & Finance

Faith & Finance
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Jan 30, 2026 • 25min

A Look Inside the New & Improved FaithFi App with Chad Clark

Are you looking for tools that clarify, simplify, and anchor faithful stewardship in biblical wisdom? That question has shaped our vision for the newly updated FaithFi app—a discipleship tool designed to help you build financial rhythms that bring peace, clarity, and Christ-centered focus to your money decisions.To help unpack what’s new, we sat down with Chad Clark, Chief Technology Officer at Kingdom Advisors and FaithFi. Chad has led the development of the FaithFi app since day one, shaping it into a tool that serves real families seeking to honor God with His resources.When the app first launched, the goal was straightforward: build a biblical stewardship tool that was both practical and accessible. Early versions focused primarily on budgeting and cash-flow management. Over time, the app expanded to include a robust content library of articles, podcasts, and videos, along with a community discussion board—features that helped users learn and encourage one another.This latest update is the biggest we’ve ever released, and Chad explains what guided the development:“One of the most important questions we can ask when building technology is: How do we make it simpler for the user? Money can be complex. Budgeting software shouldn’t make it harder.”To solve that problem, the update introduces:Secure bank connections for importing balances and transactionsNew simplified budgeting tools that make setup easyImproved automated categorization to reduce manual workThese upgrades are designed to help users spend less time tinkering with tools and more time reflecting on the why behind their financial decisions.One of the standout features in the new update is something we’re calling Rhythms—structured daily, weekly, and monthly check-ins that help users slow down, reflect, and respond thoughtfully rather than react impulsively.Daily rhythms pair brief transaction reviews with short devotionals and reflection questions. Weekly and monthly rhythms zoom out, helping users observe habits, cash-flow patterns, and financial goals—all with suggested adjustments and heart-level reflection prompts.Chad notes that these rhythms are especially powerful for couples who want to cultivate greater unity and shared stewardship. With a simple weekly or monthly check-in, couples can talk, plan, pray, and adjust together.The update also brings FaithFi content directly into the app in a more seamless and beautiful way. Faithful Steward magazine articles will now have a mobile expression, and studies and devotionals will soon follow. It’s one more way the app is becoming a true financial discipleship environment rather than just a budgeting tool.The app now includes optional AI features—but with intentional guardrails. All AI is opt-in, self-hosted, and never sent to third-party models. The goal isn’t novelty or complexity; it’s simply to automate tedious workflows and simplify budgeting so users can focus not merely on what they’re doing with money, but why.“The goal,” Chad says, “is to help people be attentive and obedient to what God is calling them to do with what He’s entrusted to them.”Stewardship grows when we slow down, pay attention, and invite God into the decisions we make with His resources. The updated FaithFi app was built to help you do exactly that—establishing rhythms that encourage wisdom, gratitude, reflection, unity, and greater participation in God’s Kingdom work.The new version is available now. Just search FaithFi in your app store, or visit FaithFi.com and click App.On Today’s Program, Rob Answers Listener Questions:I have an annuity that will mature in a year or two. It originally came from an IRA. What are my options once it matures—should I roll it into another annuity or back into an IRA?If I have a Medigap supplemental policy, do I need both Medicare Part A and Part B, or just one of them?I don’t understand why prices keep going up instead of stabilizing. Why does inflation happen in simple terms?You mentioned recently that students can now get on the Certified Kingdom Advisor track. How could a university start offering that program?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Kingdom Advisors University PartnershipsOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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Jan 29, 2026 • 25min

Where Clean Water Meets Living Water with Aaron Griggs

For most of us, water is rarely something we think about. It’s as close as the kitchen sink, the refrigerator door, or the bottle beside us at work. But for millions of people around the world, clean water remains out of reach—and the consequences stretch far beyond thirst.Jesus once said, “And if anyone gives even a cup of cold water to one of these little ones… that person will certainly not lose their reward” (Matthew 10:42). On today’s episode of Faith & Finance, Aaron Griggs of Cross International shows us just how literal—and transformative—that cup of water can be.Globally, 2.2 billion people still lack access to safe drinking water. In places like Zambia, Malawi, and Uganda, the crisis is especially severe. Women and children often walk long distances every day to gather water from open pits shared with animals. The water is contaminated, illness is common, and the time lost reinforces generational poverty. Girls miss school, mothers miss work, and entire communities struggle to flourish.This quarter, FaithFi is partnering with Cross International, a Christ-centered humanitarian ministry working alongside local churches and Christian leaders to meet urgent needs and create sustainable change. Their work in Sub-Saharan Africa is showing what can happen when clean water meets the living water of the gospel.After a well is installed in a village, physical health improves quickly—but the long-term effects are even more remarkable. Hours once spent fetching water are freed for school, work, farming, and small business. Women gain economic opportunity. Children gain education. And through Cross International’s ministry partners, families are introduced to Jesus, often receiving their first Bibles in their own language.One woman in Zambia described this transformation with simple gratitude:“I never knew that I would be where I am now. My family is healthier, and my children are in school. God has blessed us.”Another woman, Grace, shared how access to water restored not only her family but also her church. For years, her congregation met under a tree because there wasn’t enough water for construction. After a new well was installed, the church was rebuilt, children joined their parents in worship, and an entire community experienced renewed dignity and hope. Her favorite Scripture says it best:“Whoever believes in me… rivers of living water will flow from within them.” — John 7:38Cross International’s work meets physical needs, but always in the name of Christ. Water is a doorway—opening opportunities for flourishing today and pointing to eternal life in Him. That’s why FaithFi is partnering with Cross International this quarter to serve 250 children across Malawi, Zambia, and Uganda, providing not only clean water but also food, education, and the hope of the gospel.For just $62, one child receives these essential resources for a year. Every gift supports not just a child, but often an entire family and community, moving them toward long-term stability and lasting hope.Clean water changes everything—it restores dignity, strengthens families, and reflects the life-giving love of Christ.To learn more or to join us in this effort, visit: FaithFi.com/Cross.On Today’s Program, Rob Answers Listener Questions:I have a question about the ‘Trump Accounts’ for newborns. What dates are they eligible for, and are there any pros or cons?I just turned 65, and I’m still working with employer health coverage. Do I need to enroll in Medicare Part A or Part B now, or can I wait?While stationed at Fort Polk and Fort Hood, I bought insurance policies that would pay off my houses if something happened to me. I can’t find the paperwork anymore. How do I track down which insurers those policies were with?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Cross InternationalNational Association of Insurance Commissioners (NAIC)TrumpAccounts.govOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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Jan 28, 2026 • 25min

Seeking Wise Counsel with Sharon Epps

Sharon Epps, president of Kingdom Advisors and advocate for biblical financial wisdom, discusses why seeking godly counsel protects stewardship. She explains how asking for help is an act of faith. They unpack the Rehoboam warning about echo chambers. Practical ways to find trustworthy advisors, mentors, and spiritual friends are offered.
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Jan 27, 2026 • 25min

Why Motives Matter: The Heart Behind Generosity with Pierce Taylor Hibbs

Jesus taught that the true measure of giving isn’t the size of the gift but the heart behind it. Generosity begins long before anything leaves our hands. It starts with what we treasure, love, and worship.Few writers explore the inner life of faith as clearly as Pierce Taylor Hibbs, senior writer at Westminster Theological Seminary and the author of more than twenty books on Christian living. In today’s episode, he joins us to invite believers to examine not just the act of giving but the spiritual forces beneath it.In a recent article for the latest issue of Faithful Steward magazine titled "Motive Is Everything," he draws from counselor David Powlison to explain that there’s always a “sun” around which the planets of our lives turn. We’re always pulled toward something—success, security, comfort, pleasure, affirmation, or money—because we’re created to worship. The question isn’t whether we worship, but what we worship.When the created things we enjoy begin to occupy the center, Scripture calls it idolatry. Money is especially powerful in this way because it overlaps with pleasure and power. It promises control over life and the ability to enjoy it—two desires that easily eclipse our devotion to God if left unchecked.To explore the heart behind generosity, Hibbs points to one of Scripture’s most striking stories: the widow’s offering in Mark 12. We don’t know her name, but Jesus knew her heart. While others gave large sums, she dropped two small coins into the temple treasury—an amount no one else would have celebrated. Yet Jesus did. He saw not the amount but the motive.That’s the point: Giving is never merely transactional. It’s deeply spiritual. It reveals what we value most.Hibbs notes that Scripture treats the heart—the lebab—as the control center of our lives. The Dutch theologian Herman Bavinck wrote that the heart is the source of both our rational and volitional life. It shapes what we think, desire, choose, and pursue. Outward actions are merely the visible tip of an iceberg. Beneath them lies motive.Jesus makes the same point in Luke 6:45: “The good person out of the good treasure of his heart produces good…for out of the abundance of the heart his mouth speaks.” Our generosity flows from whatever we treasure most. If we treasure God, giving becomes worship. If we treasure self, giving becomes calculation, obligation, or strategy.This reframes generosity. It’s not just about allocating money. It’s about the posture of the soul. It includes time, attention, hospitality, compassion, and quiet acts of service—not only dollars in a plate.So how do we cultivate godly motives? Hibbs suggests beginning with Scripture—especially the Gospels—and watching how Jesus treats people. Jesus continually draws attention to what’s happening beneath the surface: motives, desires, and loves.We don’t wait for perfectly pure motives to give—we’ll never act if we do. But we do allow the Spirit to search us, shape us, and re-center our hearts on Christ, the God who gives first so that we might become givers.On Today’s Program, Rob Answers Listener Questions:My son owns a rental property in Baltimore, but the tenant hasn’t paid rent for two months. This has happened before, and it’s putting financial strain on his family. We’re debating whether to sell the house, but it would need some work. If we keep it, are there any tax deductions or benefits since the tenant isn’t paying? What should my son do?I’m 64 and still working full time, but I’d like to withdraw money from my 401(k). Since I’m over 59½, can I do that without the 10% penalty even though I’m still employed? What should I know about taxes and plan rules?My wife is retired and in her 60s, but I’m not yet at retirement age. We’re both on the mortgage. Can we still get a reverse mortgage, or do both borrowers have to meet the age requirement?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Motive Is Everything by Pierce Taylor Hibbs (Faithful Steward Issue 4 Article)The Book of Giving: How the God Who Gives Can Make Us Givers by Pierce Taylor HibbsOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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Jan 26, 2026 • 25min

Our Ultimate Treasure: Why We Give

A conversation about generosity rooted in identity and grace, not obligation. They explore how giving becomes trust instead of fear. Listeners call in with real financial and stewardship questions. Practical next steps cover home-sale decisions, retirement planning, and savings, Roth IRAs, and pensions.
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Jan 23, 2026 • 25min

Why Tracking Your Generosity Matters with Dr. Art Rainer

Most people, when asked about their biggest financial regret, will point to mistakes involving debt, missed investment opportunities, or overspending. But for today’s guest, the regret was far more surprising—and far more spiritual. Dr. Art Rainer says his greatest financial regret is not having started tracking his generosity sooner.On this episode of Faith & Finance, Dr. Art Rainer joins us to talk about how something as simple as recording our giving can strengthen our stewardship, deepen our joy, and align our financial lives more closely with Scripture. Rainer, founder of Christian Money Solutions and the Institute for Christian Financial Health, has spent years helping believers think biblically about money. But this particular practice—tracking generosity—came to him through a friend and quickly reshaped his financial priorities.Dr. Rainer identifies four compelling reasons every believer should consider tracking their giving. First, generosity is not merely an optional add-on to the Christian life; according to Scripture, it’s a financial priority. Proverbs 3:9 calls us to honor the Lord with our wealth and with the firstfruits of our increase. God created us not to stockpile resources but to act as conduits of His provision. If generosity stands at the front of faithful stewardship, it makes sense to pay attention to it—just as we would with saving, budgeting, or debt reduction.Second, Rainer explains that we naturally “chase what we track.” What we measure shapes what we pursue. Many of us track our net worth, our spending categories, or our fitness goals—and we make progress because the very act of monitoring fuels intentionality. If that’s true for paying off debt or saving for a car, why wouldn’t it be even more true for generosity, one of the most transformative habits in the Christian life?Third, he notes that generosity is missing from the financial dashboards believers tend to rely on. Our balance sheets and net worth statements are helpful tools, but they tell only part of the story—and often reward the very behaviors Scripture warns us not to idolize. In fact, traditional financial statements treat giving as a negative, a depletion of wealth, even though Scripture teaches that generosity stores up lasting treasure (Matthew 6:19–21). Tracking giving puts what God values most back into view.Finally, tracking generosity helps believers remember why they give in the first place. Every dollar represents impact—lives changed, ministries strengthened, needs met, and the gospel advanced. While most of that impact won’t be fully seen until eternity, keeping a record helps us trace God’s faithfulness and celebrate His work through us. It turns giving into worship, gratitude, and mission rather than mere obligation.Dr. Rainer concludes with simple encouragement to get started: look back at prior giving, record it, and move forward. A spreadsheet is enough. The goal isn’t pride, but praise—remembering God’s provision and rejoicing in the privilege of generosity.On Today’s Program, Rob Answers Listener Questions:I’m receiving a substantial inheritance—approximately half a billion dollars—and neither my children nor I need it. I want to use it wisely and not simply pass the responsibility to my kids. How should I approach that?My sister and I want to start a Christian film studio to create apologetics content. What does it take legally to set up a 501(c)(3), and how would someone support themselves financially while running one?I just had a CD mature, and I’d like to reinvest the $50,000 into an account that yields more than 2%. I remember you mentioned something in the 6% range, which is now around 5%. What are my options for safe investments with higher yields?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteChristian Money SolutionsInstitute for Christian Financial HealthExcellence in Giving | National Christian Foundation (NCF)GainbridgeBankrateWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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Jan 22, 2026 • 25min

How to Start Small in Investing with Mark Biller

Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, shares invaluable investing wisdom. He emphasizes that you don't need a fortune to start investing—just a commitment to begin small. Biller advises paying off high-interest debt and building an emergency fund first. He champions workplace retirement plans for their tax benefits and employer matching, calling it 'free money.' With a focus on simple, low-cost indexing, he encourages consistent investing habits and advocates for Roth IRAs as advantageous for younger workers.
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Jan 21, 2026 • 25min

Finding Affordable Healthcare in Uncertain Times with Lauren Gajdek

Economic forecasters expect U.S. growth in 2026 to settle between 1.5% and 2%—sluggish, but not recessionary. Still, analysts warn that if inflation reignites or global trade pressures intensify, a mild downturn is possible. For many households, this uncertainty fuels anxiety—especially around rising health-care costs.On today’s program, Lauren Gajdek, Senior Director of External Affairs at Christian Healthcare Ministries (CHM), joins us to offer practical guidance for navigating health-care expenses in a slow-growth, high-uncertainty environment.Lauren notes that beyond slower GDP projections, unemployment remains elevated at 4.4% and inflation has yet to return to the Federal Reserve’s 2% target. That combination creates financial pressure for both working families and retirees. If someone loses their job—and, with it, employer-provided health coverage—Lauren explains the options: COBRA allows continuation of benefits, but the individual must pay the full premium, which is extremely costly. Marketplace plans on Healthcare.gov also carry high premiums and, increasingly, high out-of-pocket maximums. For many families, the total annual exposure can exceed $20,000.That’s why Lauren highlights an alternative that more Christians are turning to: health-care sharing ministries. CHM—founded on the biblical principle of bearing one another’s burdens (Galatians 6:2)—is not insurance. Instead, members remain legally responsible for their medical bills, and CHM facilitates the sharing of eligible expenses among members.To help listeners understand the model, Lauren outlines how cost sharing works in practice. Members pay a monthly amount based on the program level and family size. For example, CHM’s Gold program is priced at $299 per “unit,” where each adult is a unit and all dependent children together count as one additional unit—making it particularly advantageous for families. CHM also offers Silver, Bronze, and SeniorShare options, allowing households to tailor participation to their needs and budgets.When medical needs arise—an emergency-room visit, for example—the member pays their defined personal responsibility amount, and CHM shares the remaining eligible expenses. Related follow-up care from the same incident can also be submitted for reimbursement.As the nation's oldest health-care sharing ministry and a longtime underwriter of Faith & Finance, CHM has paid more than $13 billion in medical bills since its founding. Lauren emphasizes that while it operates as a ministry, CHM also provides practical financial support, helping Christians manage health care costs during uncertain economic times.If you’re interested in learning more, you can visit CHMinistries.org/FaithFi for additional details.On Today’s Program, Rob Answers Listener Questions:My husband and I own a small, mortgage-free house on 18 acres, and we’d like to purchase neighboring land at a discount to expand our nonprofit's safe haven for domestic violence survivors. We have limited savings and no debt, and I’m turning 62 next month. Should we consider a reverse mortgage, rent out the smaller house, sell the property, or finance the purchase? What’s the wisest option for our situation?I’m about to receive a sizable check from an account that closed. While I look for a financial advisor, where should I park the money for a few weeks or months to earn interest? I know money markets are insured up to $250,000, but what if the deposit is much larger? Do I need multiple accounts, or is there a way to increase the insured amount in one place?When I tithe and give offerings and then receive a giving statement for tax season, is it wrong to claim that deduction? Am I ‘taking money back from God,’ or am I just misunderstanding how taxes and deductions work?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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Jan 20, 2026 • 25min

The Weekly Habit That Helps You Stick to Your Budget with Crystal Paine

In this engaging discussion, Crystal Paine, the founder of MoneySavingMom.com and an expert on frugal living, shares her simple yet effective method for maintaining a budget. She introduces a five-minute weekly review comprising six insightful questions designed to enhance financial awareness without guilt. Crystal highlights the importance of celebrating small wins, spotting spending patterns, and making one actionable change weekly. Her approach transforms budgeting into a tool for intentional living, fostering a healthier relationship with money.
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Jan 19, 2026 • 25min

Our Ultimate Treasure: Living with Margin

We live in a culture that stretches us to the very limits of our time, energy, and finances. Every hour gets booked, every dollar gets assigned, and before we know it, we’re operating without room to breathe. Scripture calls that lack of space folly—and the presence of space wisdom. Today, we’re talking about margin and why it’s essential to biblical stewardship.Margin is the space between our limits and our load—the distance between what we could do and what we actually do. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it.” Wise people don’t consume everything they have. They create space. They build reserves. They plan ahead. The foolish run to the edges, spending and consuming as fast as resources arrive.One of Scripture’s most beautiful pictures of margin appears in the story of Ruth. In Leviticus 23:22, God instructs His people not to harvest their fields all the way to the edges. They were to leave grain for the poor, the widow, and the foreigner. Boaz obeyed that command. He refused to maximize every inch of profit, and because of that simple act of obedience, Ruth and Naomi survived. Margin became the soil for redemption—leading to the lineage of King David, and ultimately, to Jesus Christ. Margin makes room for God to work.Think of a beautifully designed page. The words never run from edge to edge. The white space allows the page to breathe. Without it, the text would feel overwhelming. Our lives are the same. When we fill every minute of our schedules and every dollar of our budgets, life becomes chaotic. We lose clarity, rest, and the ability to respond to God’s promptings.Financially, the absence of margin makes even small disruptions feel like emergencies. A car repair or medical bill can suddenly derail us. But margin absorbs shocks. It quiets anxiety. And it lays the groundwork for stewardship.Margin produces at least three spiritual benefits:Space for Rest. When we’re not bound to every dollar, we can Sabbath—enjoying God’s presence without pressure.Space for Faith. When we don’t consume everything, we confess that God—not our paycheck—is our provider.Space for Generosity. Living at the edge leaves no room to say yes when God nudges us to give. Margin fuels ministry.Ultimately, margin is a spiritual discipline. It isn’t just about saving money—it’s about creating space for God’s pace, God’s provision, and God’s purposes. The first step is simple to name and difficult to practice: spend less than you earn. Say no to good things so you can say yes to better things. Margin doesn’t appear on its own—it’s created through intentional choices.Boaz never imagined that leaving grain behind would shape the family line of the Messiah. But God often uses margin to accomplish eternal things.————————————————————————————————If you want to go deeper in learning how our stewardship makes room for God’s work in our lives, our own Rob West wrote about this theme in his new 21-day devotional, Our Ultimate Treasure. It will be released next month. You can preorder or place bulk orders at FaithFi.com/Shop, and a digital version will be available soon in the FaithFi App for FaithFi Partners. I’d love for you to experience it.On Today’s Program, Rob Answers Listener Questions:I received a notice from my bank regarding an arbitration provision and class action waiver—specifically, a notice about resolving disputes through individual arbitration. I don’t understand what that means or what happens if I opt out. I’m confused and unsure what to do.I’m a truck driver, and I’m 62. I’ve got a few years before retirement, and I’m starting to have a little extra money in my paycheck. I’d like to invest some of it, but I’m unsure about the current market conditions. I’m also curious about crypto and Bitcoin, and wanted to hear your take.I’m trying to organize several things I’ve inherited—stock, savings, an IRA, an annuity, a CD, an insurance inheritance, and a house. I’m almost 72, and my dad is 100 and still living, so I need to plan for possibly 30 more years. I work part-time and receive Social Security, and my husband, who is bed-bound, also receives Social Security. Overall, our income is about $9,000 per month, which we don’t need right now. I want to know how to organize all of this wisely and plan for the long term.I have two adult children in their late 30s who still have a lot of student loan debt. I’d like to help pay it off, but most of my money is in retirement accounts—401(k), IRA, and Roth IRA. Is there any way to use that money without a big tax hit? Is there any option to reduce their debt through repayment programs? One child has federal loans, and the other is in forbearance, with interest accruing. I’d really like to see them free from this debt, but I’m not sure how to approach it.Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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