Faith & Finance

You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don’t reflect your values—or your faith. Let’s explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we’re focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it’s not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn’t reflect your personal circumstances. That’s why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here’s where to start:1. Begin with GivingFor believers, giving isn’t just another line item. It’s the first priority—an act of worship and trust in God’s provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you’ll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don’t panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn’t about guilt—it’s about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn’t just a budgeting exercise. It’s about living intentionally, aligning every dollar with God’s purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That’s why I encourage you to download the FaithFi app today. With FaithFi Pro, you’ll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there’s no better time to find out.On Today’s Program, Rob Answers Listener Questions:I’m 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I’m also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I’m earning more—will that help increase my Social Security amount?I’m retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don’t have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Some people think being rich means owning a lot of things—when in reality, being “rich” often means a lot of things owning you. The signs of wealth are all around us: luxury cars, upscale neighborhoods, designer clothes, vacation homes. But do possessions really make people rich in a way that matters?It’s hard to keep a Christ-centered perspective on wealth when our culture constantly pressures us to want more, buy more, and accumulate more. But this isn’t a new problem. Jesus warned in Luke 12:15:“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.”Money and possessions aren’t inherently bad, but they often tempt us toward greed, selfishness, and discontent. We need money to live, but when money becomes the main thing, it becomes a dangerous master.When Possessions Begin to Possess YouJesus doesn’t just warn against greed—He offers us the key to true life: don’t make your existence all about “the abundance of possessions,” or your possessions will start to possess you. Proverbs 23:4–5 echoes this wisdom:“Do not wear yourself out to get rich; do not trust your own cleverness. Cast but a glance at riches, and they are gone…”Material things can never give your heart what it truly craves.In Luke 12, Jesus tells the story of a wealthy man who tears down his barns to build bigger ones, dreaming of a long, comfortable retirement. But before he can enjoy it, God says:“You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?”Jesus concludes, “This is how it will be with whoever stores up things for themselves but is not rich toward God.”The man’s tragedy wasn’t just that his life ended suddenly—it was that he invested his soul in temporary abundance instead of eternal riches.Eternity Written on Our HeartsEcclesiastes 3:11 reminds us that God has “set eternity in the human heart.” Deep down, we long for meaning, purpose, and eternal life—not just more stuff. C. S. Lewis put it well:“Aim at Heaven and you will get Earth ‘thrown in’: aim at Earth and you get neither.”True abundance is found in knowing God, walking with Him, and letting His love overflow into the way we love others.Jesus said in John 10:10, “I came that they may have life and have it abundantly.” And in John 15:5, He promised, “Whoever abides in me and I in him, he it is that bears much fruit.”The abundant life isn’t about bigger barns or fuller closets—it’s about abiding in Christ. When we do, our lives bear fruit that blesses others and glorifies God.Where Is Your Treasure?So ask yourself: What are you depending on to give your life meaning? Could some of those things be quietly taking God’s place in your heart?Pray for the Lord to uproot those desires and refocus your attention on Him. Because true wealth isn’t found in what you own—it’s found in who owns you.That’s why we created Rich Toward God—a 4-week study on the Parable of the Rich Fool. It unpacks what it means to live open-handed with your finances, showing how biblical wisdom doesn’t just transform your bank account—it transforms your heart.You can order your copy—or place a bulk order for your group—by visiting FaithFi.com and clicking “Shop.”On Today’s Program, Rob Answers Listener Questions:I’m unsure how to handle requests for financial help from my husband’s son and his family. They face ongoing money struggles and sometimes ask us for assistance, but I’m concerned that giving could be enabling poor decisions, like spending on things that don’t reflect our values. How can we approach this situation with wisdom and biblical discernment?I already have a financial advisor and some investments in place, but I want to make sure my money is supporting companies that align with my faith. Is there a tool or resource that can help me evaluate whether my investments are consistent with biblical values?I have a will, and all my investments already list beneficiaries. My advisor says a trust isn’t necessary, but my children believe it’s the best way to avoid probate. Do I really need a trust? Also, since my husband passed away, should I update my will and the deed to my home?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.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) or Certified Christian Financial Counselor (CertCFC)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.

It’s easy to forget how something as simple as a pair of shoes can change a life. But for vulnerable children around the world, shoes mean protection, dignity, and the chance to dream.Today, we’ll hear how Buckner Shoes for Orphan Souls is meeting this need with the love of Christ. Shawn Spurrier joins us to share the incredible impact that is being made all around the world, one pair of shoes at a time.Shawn Spurrier is the Director of Buckner Shoes for Orphan Souls at Buckner International, an underwriter of Faith & Finance. The Heart of Buckner InternationalFounded in Dallas, Texas, Buckner International has been serving vulnerable children, families, and seniors for more than 146 years. Their mission is clear: to follow the example of Jesus by serving the most vulnerable in every phase of life. From foster care and adoption to family-strengthening programs and senior care, Buckner demonstrates Christ’s love in tangible ways.The Shoes for Orphan Souls initiative began 25 years ago in Dallas as a small effort to provide children in orphanages with something they lacked: their own pair of shoes. Many had to borrow communal shoes from a basket just to attend school.Since then, the ministry has distributed more than 5 million pairs of shoes in 86 countries. These shoes do more than protect feet—they open doors to health, education, dignity, and the hope of Christ.Why Shoes MatterA new pair of shoes provides more than comfort:Health Protection – In many regions, shoes prevent devastating illnesses like hookworm or podoconiosis.Access to Education – In many countries, schools require shoes as part of their uniform, making footwear a key factor in attending class.Economic Stability – Protecting children from illness reduces financial strain on families already in vulnerable situations.Hope and Dignity – Every pair is delivered with prayer, encouragement, and the gospel, often through partnerships with local churches.Stories of TransformationShawn shared two moving stories that reveal the ministry’s impact:Romina in Mexico – A seven-year-old girl was overwhelmed with tears when she realized someone cared enough to give her a pair of shoes. That moment reminded Sean why this work matters—it’s a tangible expression of Christ’s love. Dulce in Guatemala – An eight-year-old girl received pink-and-white shoes so she could attend school. That simple gift opened the door for her family to receive housing, literacy training for her mother, and ultimately, salvation and discipleship for her father.A small act of generosity became the seed of a transformed family story.Your Opportunity to GiveThis month, we’re partnering with Buckner to put shoes on the feet of 1,000 children worldwide. Each pair represents health, education, dignity, and an opportunity for children and families to hear the gospel.$15 provides a pair of shoes.$150 provides shoes for 10 children.You can be part of this life-changing work by visiting GiveShoesToday.org. Together, we can share the love of Christ one pair of shoes at a time.On Today’s Program, Rob Answers Listener Questions:I’m retiring and turning 65 in February. Right now, I’m covered by my employer’s health insurance, but I’m running into issues with prescription coverage. Should I sign up for Medicare now, keep my employer insurance as primary, and then wait until my younger wife becomes eligible for Medicare?I’ve managed to pay off all my credit card debt, but now my mortgage company has started foreclosure proceedings. They’re demanding $2,160, and I’m not sure how to handle it. The FDIC says they shouldn’t be taking this action, but I haven’t received any formal notification yet.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes for Orphan SoulsWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Businessman and author T. Harv Eker once wrote, “Financial freedom is the ability to live the lifestyle you desire without having to work or rely on anyone else for money.”It’s tempting to think that financial independence is the ultimate goal of life—but what does the Bible say? God’s Word points us toward a far better kind of freedom.In recent years, financial independence has become a cultural ideal. People long to be self-sufficient, debt-free, and free to pursue their passions. While these desires can be wise, they also carry a subtle danger: believing we don’t need anyone—including God.The Warning of the Rich FoolThis temptation isn’t new. In Luke 12, Jesus told a parable about a wealthy man who thought he had “made it”:“I will tear down my barns and build larger ones, and there I will store all my grain and goods. And I will say to my soul, ‘You have ample goods laid up for many years; relax, eat, drink, and be merry.’”But God’s response was sobering:“Fool! This night your soul is required of you, and the things you have prepared, whose will they be?”The man’s sin wasn’t wealth itself—it was trusting in wealth instead of God. His independence became his idol. In contrast, Proverbs 30 records a prayer from Agur:“Give me neither poverty nor riches; feed me with the food that is needful for me, lest I be full and deny you and say, ‘Who is the Lord?’ or lest I be poor and steal and profane the name of my God.”Agur understood the heart of stewardship: daily dependence on God. Too little can lead to desperation; too much can lead to pride. The goal isn’t independence, but faithful reliance on the Lord.Three Questions to Evaluate Your GoalsAs you think about your own financial journey, consider these questions:Am I placing my trust in money? Retirement savings and emergency funds are wise, but security must come from God, not a balance sheet.Am I trying to eliminate work entirely? Work is part of God’s good design. Even in retirement, we’re called to meaningful contribution.Am I paying off debt just for myself? Debt-free living is good, but its ultimate purpose is to gain the freedom to serve, give, and advance God’s Kingdom.So, is financial independence biblical? It depends.If independence means replacing God with money, then no.If independence means freedom for generosity, stewardship, and dependence on God, then yes—it reflects something greater than wealth: a life rich toward God.Scripture reminds us that “He richly provides us with everything to enjoy” (1 Timothy 6:17) and that “every good and perfect gift is from above” (James 1:17). But those gifts were never meant to replace the Giver.A Resource for Going DeeperIf you’d like to explore this more, check out our 4-Week study, Rich Toward God. This study walks through Jesus’ Parable of the Rich Fool in Luke 12, helping you discover what truly drives your financial decisions and how to align your resources with God’s Kingdom purposes.You can get your copy—or place a bulk order for your church or small group—by visiting FaithFi.com and clicking the Shop tab.On Today’s Program, Rob Answers Listener Questions:I’ve had multiple jobs with 401(k) benefits over the years, but I’ve struggled to stay organized with my finances. How can I get a handle on everything, and would it be wise to work with a financial advisor?My 16-year-old daughter received a $200,000 settlement after being hit by a car. Once she turns 18, she’ll gain full access to the money, and I’m very concerned she’ll misuse it. What options do I have to protect her from receiving it all at once?I have an adult son with autism who is on the Florida Med Waiver, which limits him to $2,000 in his checking account. I’m worried about how he’ll be provided for in the future. Is there a way to set aside money for his care without affecting his benefits?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceABLE National Resource CenterUnderstanding ABLE Accounts With Matt Syverson (Faith and Finance Episode)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) or Certified Christian Financial Counselor (CertCFC)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.

Billy Graham once said, “Tell me what you think about money, and I will tell you what you think about God, for these two are closely related.”In Jesus’ Parable of the Talents, we see that stewardship isn’t just about money—it’s about how we view God. Today, Taylor Standridge joins me to explore how our image of God influences the way we give, spend, and live.Taylor Standridge is the Production Manager here at Faith and Finance, co-author of Look at the Sparrows, our 21-Day Devotional on Financial Fear and Anxiety, and a frequent contributor to our quarterly magazine, Faithful Steward, as well as other FaithFi studies and devotionals.Our View of God Shapes EverythingA.W. Tozer once wrote, “What comes into our minds when we think about God is the most important thing about us.” This truth has enormous implications for stewardship. How we see God determines how we handle what He has entrusted to us.If we see Him as generous, trustworthy, and sovereign, we will hold our resources with open hands and joyful hearts, confident that He is both our provider and our treasure. But if we see Him as distant, demanding, or indifferent, we may fall into reluctant giving, fearful hoarding, or selfish spending.Stewardship is far more than budgets and giving—it is about trust, worship, and living in light of who we believe God to be. A distorted view of God is like setting sail with the wrong coordinates: you may move with confidence, but you’ll end up in the wrong place.Lessons from the Parable of the TalentsIn Matthew 25, the tragedy of the third servant wasn’t his lack of ability—it was his lack of trust. Believing his master to be a “hard man,” he buried what was given to him. His fear led to inaction.This parable isn’t only about money. The “talents” represent everything God entrusts to us—time, relationships, opportunities, gifts, and resources. Faithful stewardship flows not from skill, but from trust. The first two servants stepped out boldly because they trusted their master’s character. Their faith led to joy, not judgment: “Enter into the joy of your master.”The deeper warning is this: when we misjudge God’s heart, we hold back. When we trust His goodness, we invest boldly for His Kingdom.Obedience as God’s GiftMany believers think of obedience as something they give to God. But Scripture reminds us that even obedience is a gift of grace. “It is God who works in you to will and to act according to His good purpose” (Phil. 2:13). He not only prepares good works for us (Eph. 2:10)—He empowers us to walk in them.This truth transforms stewardship from a burden into a blessing. We’re not managing resources to prove ourselves; we’re participating in the good works God has already prepared. Stewardship becomes a relational act of grace, not a transactional duty.The Sobering Warning—and the Joyful InvitationIn Matthew 7, Jesus warns that some will say, “Lord, Lord,” but hear Him reply, “I never knew you.” The issue wasn’t activity—it was relationship. Faithful stewardship begins with knowing God as gracious, faithful, and abundantly generous.If you feel stuck or fearful—like the third servant—remember this: God isn’t waiting to punish you. He invites you to trust Him. Start small. Ask Him to reshape your view, to see Him not as a harsh master, but as a loving Father.As 2 Timothy 1:7 declares, “God gave us a spirit not of fear but of power and love and self-control.” When we live from that truth, stewardship becomes delight, not duty. We don’t just manage money; we step into joy, walking with the One who is our ultimate treasure.On Today’s Program, Rob Answers Listener Questions:I’m a retired senior and recently heard about the new $6,000 tax break. How does this affect my overall tax liability? Should I consider withdrawing a larger amount from my 401(k) to maximize this deduction?I used to work in the financial field selling tax-sheltered annuities, and I’ve always thought they were strong investment options. Lately, I’ve noticed some advisors speaking negatively about annuities. What’s your perspective on annuities as an investment today?Resources Mentioned:Faithful Steward: FaithFi’s New 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) or Certified Christian Financial Counselor (CertCFC)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.

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what’s changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He’s also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You’re AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It’s important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven’t already). Contact the Social Security Administration. If your account doesn’t show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today’s Program, Rob Answers Listener Questions:I’m 60 years old and planning to retire early at 62. I’d also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)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) or Certified Christian Financial Counselor (CertCFC)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.

What if your portfolio could help advance justice, compassion, and human flourishing?Aligning your investments with your faith isn’t just about avoiding harm—but actively shaping the world around them for good. Stella Tai joins us to talk about how investors are putting their values to work in the marketplace.Stella Tai is the Stewardship Investing Impact and Analysis Manager for Praxis Investment Management, an underwriter of Faith & Finance.Faith-Based Investing in Action: Praxis’ 2024 Impact ReportFor many believers, investing isn’t just about building wealth—it’s about aligning financial decisions with faith values. Praxis Investment Management, a pioneer in faith-based investing since 1994, continues to demonstrate how Christians can utilize their investments to promote justice, compassion, and tangible change in the world. In its latest Impact Report, Praxis highlights how investor dollars are transforming communities and influencing some of the world’s largest companies.Shaping a more just and compassionate world is something that’s important to many investors, particularly those of faith. Praxis’ annual report reveals where the money goes and how it’s used, inspiring others to view their investments as powerful tools for making a difference.Praxis organizes its efforts around seven “impact strategies,” which support underserved communities, promote responsible business practices, and bring faith into everyday financial decisions.Speaking Truth to Power: Shareholder AdvocacyOne highlight of the report is Praxis’s work in shareholder advocacy with global brands like Nike.Nike employs over a million people worldwide, many of whom are based in vulnerable regions. Praxis is part of a coalition pushing for stronger human rights protections in the supply chain, including safeguards against wage theft and exploitation. Every worker deserves to have their God-given dignity respected.Praxis is also collaborating with companies such as Coca-Cola and Nestlé to address child labor and wage theft in the global sugar supply chain, advocating for third-party audits and increased transparency.Positive Impact Bonds: Financing ChangeBeyond advocacy, Praxis invests in bonds that directly benefit communities. Recent purchases include:World Bank IDA Program Bonds, targeting extreme poverty with measurable results.Green and Sustainable Bonds from Freddie Mac, which expand affordable housing and environmental stewardship.These investments generate jobs, improve access to healthcare, and help communities thrive—all while providing competitive financial returns.Real Stories of TransformationPraxis’ report also shares stories of hope, such as the expansion of Always Keep Progressing, a Miami therapy center that serves children with special needs. Through investment partnerships, the clinic now helps more than 400 families.This is redemptive investing in action. It’s about fostering human flourishing, not just financial gain.Praxis also partners with Community Development Financial Institutions (CDFIs) and credit unions that serve neighborhoods often overlooked by traditional banking systems. These organizations offer small business loans, enhance access to healthcare, and provide support to underserved rural and urban areas.Whether here in the U.S. or abroad, CDFIs are helping communities gain access to capital and create opportunities.The Momentum of Faith-Based InvestingMore Christians are realizing that their portfolios can reflect their values.Scripture calls us to care for the poor, the widow, the orphan, and the foreigner. When our faith aligns with our financial actions, even small changes can move markets toward justice.This includes proxy voting, which Praxis views as a form of corporate discipleship—using investor influence to advocate for fair labor, environmental stewardship, and other critical issues.How to Get StartedStart by asking yourself a simple but important question: “Do my investments reflect my faith values?” If the answer is no—or you’re not sure—consider talking with a financial professional who understands faith-based investing. Every investor, whether managing a little or a lot, can play a role in shaping a redemptive economy. That’s why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.”Praxis’ Impact Report offers practical insights and inspiring stories of transformation. You can access it at PraxisInvests.com, along with quarterly updates and resources to help you make informed, faith-driven investment decisions.On Today’s Program, Rob Answers Listener Questions:I’d like to set up a trust that distributes money to my children monthly after my death, rather than giving them a lump sum. How is a trust manager typically compensated? Are they paid with each monthly distribution, or do they take a percentage?I’m 71, retired, and using a managed account to supplement my retirement income by withdrawing about 4.2% annually. Is this a wise approach for sustaining my retirement, or should I consider other strategies?I just turned 66 and plan to file for Social Security soon. My goal is to be debt-free by the time I retire. Should I use my Social Security benefits over the next couple of years to pay off my mortgages so I can enter retirement without debt?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Praxis Investment ManagementWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Some things change with the times—but God’s financial principles never do. They’re not only timeless; they work in every situation, for every person, at every income level.Whether you’re barely making ends meet or managing significant wealth, the Bible’s wisdom for handling money is always right on target. Today, Ron Blue will unpack five proven principles for managing your money well.Ron Blue is a nationally recognized financial expert, co-founder of Kingdom Advisors, and author of more than 20 books on biblical money management. With decades of experience advising families and leaders, he has dedicated his life to equipping Christians to manage their resources wisely and steward them for God’s kingdom purposes.A Lesson From the Senate FloorBack in the early 1990s, Ron Blue was invited to testify before a U.S. Senate subcommittee on family and money matters. When asked what advice he would give American families, his response was simple yet profound:Spend less than you earn.Avoid debt.Build liquidity or margin.Set long-term goals.Give generously.To Ron’s surprise, the senator responded, “That would work for every family—at any income level.” Ron smiled and added, “Yes, Senator, including the United States government.”These five principles, he says, are universal. They apply not just to families, but also to businesses, communities, and even nations.Principle 1: Spend Less Than You EarnThis is the foundation of wise financial decision-making.It’s the “slow road to wealth,” but it’s also the surest way to financial freedom. This principle enables families to establish stability without pursuing risky shortcuts or falling into the trap of trying to become wealthy quickly.Principle 2: Avoid DebtDebt can be both a practical and spiritual burden. From a financial standpoint, debt always mortgages the future. Any borrowed money becomes a priority expense—one that takes precedence over all others until it’s repaid.Not all debt is created equal—some can be strategic, like a mortgage—but even “good” debt ties up future income and limits financial flexibility.Principle 3: Build Liquidity (Margin)Margin is what allows families to weather life’s inevitable surprises—a medical bill, car repair, or job loss—without spiraling into crisis.People with cash flow margin are always more secure. They know they can meet the unexpected, and that creates peace of mind and security. An emergency fund isn’t just about financial stability; it’s about emotional and spiritual calm when life throws curveballs.Principle 4: Set Long-Term GoalsShort-term thinking often leads to financial stress and impulsive decisions. By setting long-term goals, families can prioritize spending and align their financial choices with their values.The longer term your perspective, the better your decision today. Goals give direction and help families measure progress—not just in wealth, but in stewardship and Kingdom impact.Principle 5: Give GenerouslyFinally, generosity breaks the power of money. Jesus taught that we cannot serve both God and money (Matthew 6:24). By giving, we release our grip on wealth and keep our hearts anchored in Christ rather than in material security.Generosity is the only way to break money’s hold on you.Timeless Wisdom for Every HouseholdWhether you’re just starting your financial journey or seeking a reset, these five principles offer a roadmap to freedom and peace. They are not about complicated strategies or quick fixes—they’re about faithful, steady stewardship rooted in biblical wisdom. If you do these five things, you’ll position yourself for God’s best in your finances.On Today’s Program, Rob Answers Listener Questions:I recently started a new job, but I still have a 401(k) from my previous employer. Since I’m over 55, I was told I can withdraw from it without a penalty. My husband thinks we should withdraw $15,000 to cover some home repairs, but I’m nervous about dipping into my retirement savings.I’m 51 and planning to retire at the end of next year. I have a state pension, along with several 401(k) and 403(b) accounts I’ve accumulated over the years. What’s the best way to handle these accounts once I retire?My husband and I have been married for 12 years, and we have a prenup that keeps our finances separate. I have around $700,000 in savings and a terminal illness. How should I decide how much to leave for my husband and how much to give to the Lord?I’ve had a reverse mortgage since 2010, and my house has increased significantly in value. I’d like to know how much equity I can access now and whether I need to refinance, or if it’s possible to expand my line of credit simply.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)FamilyLife | FamilyLife BlendedWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Cutting your budget doesn’t have to mean cutting joy out of your life. With a bit of creativity and intention, you can save money while still enjoying what truly matters. Here’s how to bring more purpose—and even fun—into your spending plan.Before diving into practical steps, begin with prayer. Ask God to help you cultivate contentment, because wise spending starts with a heart that trusts Him. As Paul reminds us in 1 Timothy 6:6, “But godliness with contentment is great gain.” Budgeting isn’t just about numbers; it’s about aligning your heart with gratitude for what God has already provided.1. Try a “Pantry Challenge” MonthCommit to eating what you already have in your fridge, freezer, and pantry for an entire month. You’ll reduce grocery spending and uncover forgotten items—maybe even a few surprises. Free apps like SuperCook or Cooklist can help you find creative recipes using your existing ingredients, turning the challenge into a fun family adventure.2. Create a Family Fun FundEntertainment doesn’t have to be expensive. Set a monthly cap for fun activities and get the whole family involved in choosing them. One week could be a hike and picnic at the park; another, a cozy movie night at home with popcorn and dollar-store candy. This approach teaches that joy isn’t tied to a price tag.3. Swap Babysitting with Another FamilyChildcare can be costly, but community is a gift. Partner with another family you trust to take turns watching each other’s kids. One week, you get a date night, the next they do—and no one spends a dime. You’ll save money, build relationships, and create margin in your budget.4. Take On One Service YourselfPick one recurring expense and try handling it yourself for a season—such as washing the car, mowing the lawn, or grooming the dog. You may save more than you expect and even gain a new skill or appreciation for the task.5. Declare a Monthly “No-Spend” WeekendChoose one weekend a month to spend nothing beyond the essentials. Use the time to rest, reconnect, and enjoy free or low-cost activities, such as playing board games, going for a hike, or visiting the library. Turn it into a family challenge by deciding together how to use the extra savings for giving, saving, or a future treat.6. Practice the 30-Day RuleWhen tempted by a big purchase—like a gadget or appliance—write it down with the date and wait 30 days. If you still want it and it fits the budget after a month, you can move forward with confidence. More often than not, the urge will pass, and you’ll keep your money where it belongs.None of these ideas is earth-shattering—and that’s the beauty of them. Real transformation often comes from small, consistent decisions: choosing contentment over consumption, planning over impulse. Each intentional step strengthens your financial stewardship and, even more importantly, your trust in God.When your kids see you making wise choices, they learn the importance of being a good steward. When your spouse feels included, it builds unity. And when you invite God into your day-to-day financial decisions—even the small ones—you’ll see His faithfulness in significant ways.A Tool to Help You Stay on Track: The FaithFi AppIf you’re ready to take the next step in intentional budgeting, the FaithFi app is a great place to start. It helps you track spending, build margin, and grow in biblical wisdom—all in one place. Visit FaithFi.com and click “App” to get started.With a little creativity and a lot of intentionality, you can cut costs without cutting out what matters most.On Today’s Program, Rob Answers Listener Questions:I’d like to understand the difference between prepaid cards and credit cards—the pros and cons of each. My primary concern is avoiding debt, so I’m trying to determine which prepaid card would be the best option for me.I recently received $20,000 and need advice on the best way to invest it. My goal is to strengthen my emergency savings while still making wise financial decisions.I’m 12 and get a $100 monthly allowance. I want to learn how to save and invest my money wisely.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes For Orphan SoulsBankrate.com | NerdWalletStashWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

What if your work isn’t just a job—but part of God’s bigger story for your life?For some, work is a source of stress, struggle, or simply something to endure. But what if we’re seeing it all wrong? What if God designed work to be a vital part of how we worship Him and serve others? Dr. Tom Nelson joins us today to talk about that. Dr. Tom Nelson is the President of Made to Flourish and has served as the Senior Pastor of Christ Community Church, a multi-site congregation across Kansas City, for over 30 years. He is also the author of Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World.False Narratives About WorkCulture tells us many things about work—most of them untrue.“Thank God it’s Friday” reflects the belief that work is a curse and that our real lives happen only on weekends.Work as mere productivity reduces our calling to a paycheck or to-do list.Sacred vs. secular divide suggests ministry work matters more than other vocations.However, if we return to Genesis 1 and 2, we find that work is not a curse. Work is God’s good design. Whether paid or unpaid, our work is part of how we glorify Him.The Four-Chapter Story of WorkDr. Tom Nelson uses a “four-chapter” framework to show how the Bible shapes a proper view of work:Creation – What Ought to Be. God designed work as a gift and a reflection of His image. Work and worship were never meant to be separate.The Fall – What Is. Sin corrupted work, introducing toil, frustration, and broken relationships.Redemption – What Can Be. Through Christ, our work can be redeemed. Whether changing diapers, leading a company, or volunteering, we bring God’s presence into every environment.New Creation – What Will Be. One day, we will experience work in its perfect form—creative, joyful, and without sin—in God’s restored Kingdom.One of the most transformative ideas to remember is that all work done for God’s glory is sacred. Work is contribution, not just compensation. We carry God’s presence with us into our workplaces because the Holy Spirit dwells within us.This perspective breaks down the artificial barrier between “spiritual” and “secular” work. It gives believers a seamless life of worship—Sunday through Monday.Hope for the FutureWe won’t spend eternity sitting on clouds. Revelation offers us a glimpse of a garden city where we will worship Jesus and engage in creative, joyful work—free from sin, frustration, and the need for perfect relationships with God and others.If you’ve believed that your work doesn’t matter, be encouraged that you were created with work in mind. God is with you in your work. When you embrace Jesus and become His apprentice, you’ll learn to live a seamless life where every task, big or small, can glorify Him.Dr. Tom Nelson’s latest book, Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World, is available wherever books are sold. To learn more about integrating faith and work, visit MadeToFlourish.org.On Today’s Program, Rob Answers Listener Questions:I’d like advice on how to invest between $30,000 and $60,000 to generate steady monthly or quarterly dividends. My goal is to cover about $150 a month to help with some expenses.I’ve been on SSDI for about five or six years due to health issues, and I also earn about $1,400 a month from a part-time job. Am I allowed to contribute to an IRA with this income?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Made to FlourishWhy Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World by Dr. Tom NelsonCommon Good MagazineBankrate.comWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.