Faith & Finance

Jim Elliot once wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.”“Generous” might not be the first word that comes to mind when you think about pro athletes, but Kirk Cousins is rewriting that playbook. The three-time Pro Bowl quarterback in the NFL is using his platform—and resources—for eternal impact. Today, we’ll hear how his faith shapes everything from football to finances.Kirk Cousins is the starting quarterback for the Atlanta Falcons and a veteran leader in the National Football League (NFL). He previously spent six seasons with the Washington Commanders and six with the Minnesota Vikings. A four-time Pro Bowler and outspoken man of faith, he is also the cofounder of the Julie & Kirk Cousins Foundation, which supports families and youth through faith-based initiatives.A Legacy of Generosity: Lessons from His ParentsGrowing up as a pastor’s kid, Cousins remembers how his parents modeled generosity long before he had a bank account of his own.“My mom had the gift of hospitality,” he says. “Even when I didn’t think I needed money, she’d hand me two twenties before I went out with friends. There was just this open-handedness.”While his dad managed the family finances with intentionality, it was his mother’s willingness to give freely that left the deepest mark. “It was caught, not just taught,” Cousins reflects, emphasizing how their example shaped his understanding of stewardship early on.From Minimum Wage to Signing Bonuses: A Crash Course in StewardshipWhen Cousins was drafted into the NFL, his first check—a six-figure signing bonus—was a wake-up call.“As a college kid who had never earned more than minimum wage, I didn’t know what to do,” he recalls. “I called my dad, and he said, ‘I don’t know either!’”That moment marked the beginning of a stewardship journey—one that included learning to give, save, and live below his means in a world of excess. It wasn’t easy, especially when surrounded by peers embracing a more lavish lifestyle. But Cousins understood that as an athlete, his income had a shorter runway.“You’re approaching a cliff,” he says. “So it’s scary to give when your career has an end date. But that’s where faith comes in—trusting that God will provide beyond your own earning power.”It would be easy, Cousins admits, to treat financial obedience like a checklist—give, save, repeat. But biblical stewardship isn’t about rules; it’s about surrender.“I’ve done that—just checked the boxes. But that’s not the abundant life Jesus promises. It’s not religion, it’s relationship.”He points to Jesus’ parable of the treasure in the field (Matt. 13:44): “Once you see Jesus as the treasure, everything else becomes a logical response. Of course you’d sell everything to have Him. Stewardship flows from seeing Him clearly.”When Faith Feels Risky: Giving on a Diminishing TimelineThe tension for Cousins lies in balancing the enjoyment of God’s provision with wisdom about the future.“I actually enjoy those moments that require more faith. When I give, and I don’t know what’s next, it puts the pressure back on God—where it belongs.”But he’s quick to acknowledge the gray areas. “What’s wise versus what’s excessive? There’s no formula. You have to walk with God and ask for His guidance daily.”One of the most valuable pieces of advice Kirk received early in his career came from a generous mentor: “Always give in unity with your wife.”That advice stuck.“When Julie isn’t comfortable, I pause and pray. Her perspective might be the Holy Spirit speaking. Giving together strengthens our marriage and our stewardship.”Cousins sees their giving not only as a financial decision, but as a spiritual discipline of unity and trust.Planning for the Future: Wisdom Before WealthAs parents to young boys, Kirk and Julie have also had to consider how best to plan their estate. They’ve established a family office to prepare for the future—but with a strong desire to pass on wisdom before wealth.“We want to get to the end of our lives and say: the wisest hands to put this in are our kids’. But we also want to be realistic. If it wouldn’t be wise to pass along wealth, we want our plan to reflect that.”Much of their estate will also go to their foundation, which they hope will be spent down soon after their passing. “We don’t want it to live on in perpetuity with intentions we never had. We want to make an impact now.”So, where is Kirk Cousins most excited to give right now? The answer goes back to his roots.“I went to a Christian high school—Holland Christian—and it profoundly impacted my life. I want to make it more affordable for other families, support teachers, and strengthen Christian education.”It’s a full-circle moment: a public school kid transformed by Christian community, now investing in the same kind of life-shaping environments for others.Final Whistle: A Life Well StewardedKirk Cousins is more than an NFL quarterback. He’s a husband, father, and faithful steward who is using his influence to glorify God—not just in the end zone, but in the quiet decisions of budgeting, giving, and planning for the future.His story reminds us: Stewardship is not about how much we have—it’s about how faithfully we respond to the One who gave it all.On Today’s Program, Rob Answers Listener Questions:I own my home outright and keep hearing about home title protection services. How real is the risk of title fraud, and should I be concerned?I have rental properties in Arkansas, but my kids in California don’t want them. I’m worried that when I pass, they’ll sell them quickly for way less than they’re worth. Should I go ahead and sell them now and put the money in a trust for my grandkids’ education—or is there a better option?”Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Julie & Kirk Cousins FoundationWisdom 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.

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren’t impulsive spenders buying luxury items. They’re retired, living on fixed incomes, and they’re relying on credit just to pay for basics like groceries and prescriptions. They’re often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they’ll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it’s a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it’s all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn’t make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That’s not good stewardship.Reverse mortgages aren’t for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you’re entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today’s Program, Rob Answers Listener Questions:I’m 71 and still working, but I’m not sure how much longer I’ll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there’s a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.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.

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you’re feeling the weight of repayment, you’re not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower’s income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It’s a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn’t directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It’s a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don’t wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today’s Program, Rob Answers Listener Questions:I’ve paid off my credit cards and car—praise God! Now I’m wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I’m reinvesting the interest from a CD. Since I’m not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn’t earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I’m debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom 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.

As much as we’d like to, none of us can see the future. But that hasn’t stopped us from trying. Financial advisors attempt to forecast markets, meteorologists predict the weather, and sports fans try to call the final score.But when it comes to our finances—and our faith—there’s an important distinction between wise planning and prideful presumption. So how do we tell the difference?The late civil rights leader Ralph Abernathy once said, “I don’t know what the future may hold, but I know Who holds the future.” That’s a comforting truth. God is sovereign—and that brings peace. But His sovereignty doesn’t remove our responsibility to act wisely.Biblical Planning Is a Form of StewardshipScripture doesn’t discourage planning—it commands it. In fact, wise planning is an essential part of faithful stewardship. God has entrusted us with time, money, relationships, and opportunities. Even though we can’t predict tomorrow, we’re still called to be faithful with today.Proverbs 6 paints a vivid picture of this wisdom:“Go to the ant… consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.”The ant doesn’t know what’s ahead, but it prepares. Likewise, Jesus tells us in Matthew 25 to live in a state of readiness. “Watch therefore, for you know neither the day nor the hour.” Though He’s referring to His return, the principle holds: life is short, time is precious, and we are not in control.When Planning Becomes PresumptionPlanning becomes presumption when we assume control over outcomes that belong to God alone.To presume means “to assume something before you know the facts.” Biblically, presumption is often associated with pride—living as if we control the future and no longer need God’s input. This attitude is precisely what Jesus warns against in the Parable of the Rich Fool (Luke 12).After a man harvests a bumper crop, he says to himself:“I will tear down my barns and build bigger ones…You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”But God replies: “You fool! This very night your life will be demanded from you.”The man’s mistake wasn’t in planning or saving—it was planning without God. He assumed he had time, control, and security apart from his Creator.James 4 echoes this same warning:“Now listen, you who say, ‘Today or tomorrow we will go to this or that city...’ Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes.”The Antidote: Humble, God-Dependent PlanningJames doesn’t say “don’t make plans.” Instead, he offers this wise alternative:“Instead, you ought to say, ‘If it is the Lord’s will, we will live and do this or that.’”This kind of planning begins with God and continues with Him. It’s rooted in trust, not control. We may set goals, but we do so with open hands, inviting God to direct our steps (Proverbs 16:9).This happens in the context of a relationship. As we grow in intimacy with the Lord—through prayer, Scripture, community, and obedience—our plans begin to reflect His heart and mission.If you’re married, begin planning through prayer with your spouse. If you have kids, model this dependence on God in your family conversations. Let them see you trusting God not just for salvation, but also for your finances, schedule, and future.Wise counsel is key. Don’t plan in isolation. Talk to a pastor, mentor, or a Certified Kingdom Advisor (CKA) who can help you apply biblical wisdom to your financial decisions.So yes, make plans. Just don’t leave God out of them. Hold your goals loosely. And remember: success isn’t defined by your ability to predict or control the future—it’s defined by your willingness to seek and trust the One who holds it.Want to explore this topic further? Dive deeper into Jesus’ warning about prideful planning in our study on The Parable of the Rich Fool, titled Rich Toward God. It will challenge and encourage you to plan with humility and live with wisdom. Visit FaithFi.com and click “Shop” to get your copy today.On Today’s Program, Rob Answers Listener Questions:I have $52,000 in student loans, but my $350 monthly payment hardly makes a dent. What can I do to pay it off faster?After my father-in-law passed, my mother-in-law was left with about $11,000 in credit card debt. Should she consolidate or try negotiating directly with the credit card companies? Also, how will this affect her Social Security benefits?Thanks for the guidance! I was able to retire at 54 with the help of a Certified Kingdom Advisor (CKA). Now, I spend my time volunteering with Eight Days of Hope.If I make a Qualified Charitable Distribution from my IRA, can I still deduct that amount on my income taxes?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom 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.

Have you ever used your giving to steer decisions or send a message?It might seem harmless—or even wise—to designate your gift to specific ministries or withhold it when you disagree with leadership. But when our generosity becomes a tool for control, we’ve crossed a line. In this episode, we’ll explore the subtle danger of using giving as leverage—and discover a better way rooted in surrender and trust.A Hidden Temptation in Church GivingLet’s be honest—no one likes the word control when it’s pointed at them. But in church life, this temptation surfaces more often than we’d like to admit.It might look like this:Giving only to certain ministries because you don’t trust how the church allocates general funds.Withholding your giving when a leadership decision—like a staffing change or budget shift—doesn’t sit well with you.Designating gifts to specific areas, not out of passion, but as a form of protest.On the surface, it may look like good financial stewardship. But beneath the surface, it’s often an attempt to say, “I want things to go my way, and I’ll use my money to make that happen.”That’s not generosity. That’s leverage. And Scripture warns us against it.The Corban Example: A Heart Check from JesusIn Mark 7, Jesus confronts the Pharisees for misusing a practice called Corban—a method of dedicating money or resources to God. While it sounded spiritual, the religious leaders were using it to dodge their responsibility to care for aging parents.As GotQuestions.org explains:“The Pharisees took a legitimate Corban offering and used it in an illegitimate and devious way to defraud their parents…Jesus tells the Pharisees that their misuse of Corban was an evil rationale to avoid doing what they should.”It wasn’t the gift itself that Jesus condemned—it was the motive behind it.In the same way, when we give to maintain control or push our preferences, we’re following the spirit of Corban. Even if our reasons sound righteous, they can mask a deeper issue: an unwillingness to surrender.From Leverage to Surrender: The Biblical CallThe Bible offers a better vision.Psalm 24:1 reminds us,“The earth is the Lord’s, and everything in it.”That includes our finances. We don’t give to direct the church. We give because God owns it all—and calls us to steward it faithfully.Consider the example in Acts 4. Believers sold land and possessions, then laid the proceeds at the apostles’ feet. No strings attached. No demands were made about how it was to be used. Just trust, unity, and wholehearted surrender.Of course, that doesn’t mean churches shouldn’t be transparent or held accountable. Scripture calls leaders to wise and faithful stewardship. But giving with strings isn’t about accountability—it’s about control. And control is the opposite of trust.What’s Driving Your Generosity?Ask yourself: What’s driving my giving?Is it love for God?Faith in His provision?Worship and gratitude?Or is it something else?Preference?Power?Payback?When giving becomes conditional, it’s no longer cheerful—it’s contractual. We treat God’s work like a business deal instead of a spiritual act of worship.But when we let go of control, something beautiful happens: we find peace. We no longer feel the pressure to manage every church decision. We can give freely, knowing God is at work—even when His ways don’t align with our expectations.Moving Forward in Trust and GraceIf you realize that control has been influencing your giving, here are three steps to take:1. Confess it to the Lord. God is gracious and patient. Ask Him to realign your heart with His and help you give from a place of surrender.2. Release your preferences. You don’t have to stop asking questions or seeking transparency. But your generosity shouldn’t be tied to your personal comfort or preferences.3. Give with trust. Trust God’s ability to work through imperfect people. Trust that when you give with the right heart, your gift brings Him glory.Because when we give to control, we place ourselves at the center. But when we give in faith, we put God at the center—where He belongs.A Resource for the JourneyWant to go deeper into the heart behind generosity? Request a copy of Faithful Steward, our quarterly magazine for FaithFi Partners. With a gift of $35/month or $400 annually, you’ll receive this encouraging resource and join a growing community committed to biblical financial wisdom.Learn more at FaithFi.com/Partner.On Today’s Program, Rob Answers Listener Questions:My husband’s adult son often asks us for money. He and his wife are behind on their bills, but we know they also spend on partying and things like marijuana. My husband feels emotionally pulled in, especially when his son talks about possibly losing their home. We want to be generous, but we don’t want to enable irresponsible behavior. How can we approach this situation in a way that’s wise and biblical?I’d like to assign someone as my power of attorney, but I don’t have any family members I trust to take on that role. What options do I have in this situation?Is it wise to purchase life insurance for your children or grandchildren? What are the pros and cons?I’m thinking about getting a reverse mortgage to create some extra income. Can you explain how they work, and whether they’re a good idea? I’d also like to know what risks or downsides I should be aware of.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom 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.

“The way of a fool is right in his own eyes, but a wise man listens to advice.” — Proverbs 12:15Wise financial decisions don’t happen in a vacuum—they often require wise counsel. But how do you know if the person giving you advice shares your convictions and values? Brian Cochran joins us today to explore how biblical wisdom should shape not just our decisions, but the voices we trust.Brian Cochran is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and also serves as the Chief Stewardship Officer at John Moore Associates. The “Why” Shapes EverythingAt John Moore Associates, a recently celebrated milestone tells a powerful story—over $50 million in charitable giving facilitated through the families they serve. This achievement isn't about accolades or financial performance. It reflects a deeper belief: money is a gift from God, but it was never meant to be the ultimate goal for an individual. It's a tool designed for Kingdom impact.Certified Kingdom Advisors® take a distinct approach to financial planning. While they certainly aim to help clients grow their wealth, they are equally—if not more—committed to helping them give it away with wisdom and purpose. The core question isn’t just, “How can you accumulate more?” but, “How can you steward it more faithfully?”Their mission is to walk alongside families and help them become wise and generous stewards of the resources God has entrusted to them. That vision informs every client meeting, every piece of advice, and every long-term strategy. They don’t see themselves merely as business professionals—they see themselves as called to influence families toward biblically grounded financial decisions that reflect God’s character and priorities.They refer to this role as being “stewards of stewards.” Their job is to help others manage God’s money in a way that aligns with His will—not just to build bigger portfolios, but to foster hearts that reflect His generosity.The Art of Financial PlanningAlthough financial planning encompasses technical elements such as taxes, investments, and estate strategies, it is far more than just numbers. Financial planning is as much an art as it is a science.That’s because personal values, priorities, and convictions ultimately shape every financial decision. Two families with identical balance sheets may receive vastly different advice depending on the worldview and values of their advisor. Even the most technically sound recommendations can lead a client astray if they don’t align with their faith or purpose.Families excited to step into greater generosity have occasionally faced resistance—not from financial limitations, but from professionals who didn’t understand why anyone would want to give so much away. Similarly, some clients have discovered their portfolios include investments in industries that conflict with their convictions, such as pornography, abortion, or addictive products. These disconnects are more common than many realize.When an advisor doesn’t understand a client’s “why,” they may unintentionally work against it.When Values AlignBy contrast, working with an advisor who shares a client’s biblical values can be transformational. Rather than resist generosity, they champion it. They help clients move beyond conventional financial goals and pursue eternal ones—cheering them on as they give, invest, and plan with Kingdom purpose.This values alignment also fosters deeper conversations about contentment and purpose. Advisors who understand the biblical call to stewardship help clients shift from an accumulation mindset to one that asks, “How much is enough?” That change can lead to greater peace, joy, and impact.It also affects how clients invest. With the guidance of a biblically aligned advisor, many discover new confidence and clarity by investing in companies or funds that reflect their values. In many cases, clients feel more engaged and excited knowing that their investments are not only earning a return but also honoring God.Questions to Ask a Potential AdvisorFor those seeking this kind of partnership, here are a few essential questions to ask any prospective advisor:What are your core values, both personally and as a firm?How do those values shape the way you serve your clients?How do you define success in a client relationship?How are you compensated? Are there any potential conflicts of interest?Most importantly: How will your advice support and strengthen my faith?These questions open the door to alignment—and can help avoid unnecessary confusion or compromise down the road.Many Christians are already working with an advisor, but over time begin to sense that their values may not fully align. That tension shouldn’t be ignored. It may be time to ask the same questions listed above. If the answers fall short, it might be wise to explore a new advisor who shares a biblical worldview.Though changing advisors can feel daunting, staying with one who doesn’t understand or support a client’s convictions may come at a greater cost.A Higher Calling in Financial AdviceUltimately, stewardship is at the heart of every financial decision. Money is not just a personal asset—it’s a divine responsibility. A truly aligned financial advisor serves not just as a guide for wealth management but also as a partner in helping Christians honor God with all that He has entrusted to them.For those looking to take that next step with confidence, a nationwide directory of Certified Kingdom Advisors is available at FaithFi.com. Just click Find a Professional to connect with an advisor who shares biblical values and a Kingdom-focused approach to financial planning.On Today’s Program, Rob Answers Listener Questions:I’m 70 and considering an annuity to add more stability to my portfolio. Can you explain the pros and cons? I’m looking for guaranteed income and want to diversify beyond my current investments in silver, stocks, and bonds.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)John Moore AssociatesWisdom 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.

A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings.The numbers are alarming, but they don’t have to define your future.Laying the Foundation: Live on Less Than You EarnBefore we talk about building wealth or making investments, we must start with the foundation: living on less than you earn. It’s the bedrock of biblical financial wisdom. As John Maxwell put it, “A budget is telling your money where to go instead of wondering where it went.” Without a plan, it’s easy to drift. But a budget anchors your finances and gives every dollar a purpose.That’s where the FaithFi app can help—offering a practical tool to craft a spending plan rooted in biblical values.Proverbs 6:6–8 urges us:“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.”The ant doesn't wait for a crisis—it stores up in advance. That’s what budgeting does. It’s not about restriction; it’s about preparation and wisdom.Why Investing Comes NextOnce you’ve created margin through budgeting, the next step is investing. Why? Because while money sitting in a checking account loses value due to inflation, investing allows your resources to grow through the power of compound interest.As Proverbs 21:5 (TLB) says:“Steady plodding brings prosperity; hasty speculation brings poverty.”Wise investing isn’t about chasing trends—it’s about faithful, consistent action over time.Maybe you’re thinking, “I don’t make enough to invest.” But consider this: If you invest just $100 a month starting at age 25, earning an 8% annual return, you’ll have over $300,000 by age 65. That’s the power of small, faithful steps over time.And today, getting started is easier than ever. Roboadvisors, such as Schwab Intelligent Portfolios or Betterment, offer diversified, user-friendly platforms that require minimal financial knowledge.Wealth With a Purpose: Stewardship, Not Self-SufficiencyRemember: financial freedom isn’t independence from God—it’s dependence on Him with wisdom. Deuteronomy 8 reminds us that even the ability to produce wealth comes from the Lord. As Proverbs 13:11 teaches:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”God doesn’t call us to perfection—He calls us to faithful stewardship.Why do we budget, save, and invest? So we can live with margin, give joyfully, and bless others. Wise financial decisions position us to participate in God’s Kingdom work—not just provide for ourselves. So if you’re feeling stuck, start small:Build a budgetCreate marginSave a littleInvest a littleTrust God with the processOver time, you’ll be amazed at what He can do through your faithfulness.On Today’s Program, Rob Answers Listener Questions:My friend is interested in investing directly in Israel’s stock market—how would they go about doing that? Additionally, I’m 83 years old and own a home valued at $360,000. I need to replace the iron pipes, which could cost between $35,000 and $51,000. At my age, what are my options for financing a project like this?My 66-year-old brother wants to set aside money to care for his adult autistic son, who currently lives in a group home. What’s the best way for him to save and plan financially for his son’s future care after he’s gone?I’m 70, working full-time, and receiving Social Security, but I have no savings. My wife and I have been married for 50 years, but she refuses to save. What guidance can you offer for improving our financial situation at this stage in life?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan’s Israel Common Values Mutual FundWisdom 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.

Have you ever felt like giving to your church is more of a burden than a joy?You're not alone. For many believers, the offering moment stirs up anxiety instead of worship. 2 Corinthians 9:7 says, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”Those words—not reluctantly and not under compulsion—are key. God doesn't want us giving out of guilt. He invites us to give freely, joyfully, and with a heart aligned to His mission.But guilt is a powerful motivator. Perhaps you've felt it—when the plate passes or a giving campaign is launched. Thoughts flood in: “I haven’t given enough... I’m letting God down.” That’s not generosity born of grace. That’s fear. And it contradicts the gospel.The Gospel Sets Us FreeRomans 8:1 declares, “There is now no condemnation for those who are in Christ Jesus.”That includes condemnation over money. Christ’s death covers all guilt—financial or otherwise. If we’re giving to appease guilt, we’re not walking in the freedom Jesus secured.And let’s be clear: there’s a big difference between guilt and conviction.Guilt says, “You’re not good enough.”Conviction says, “Let me lead you to something better.”John 16:8 reminds us that conviction is the Spirit’s loving invitation into deeper trust, not shame.Giving From Grace, Not ObligationHere’s a test:Guilt says, “I must give, or else.”Grace says, “I get to give—because of all I’ve received.”Hebrews 9:14 says, “How much more, then, will the blood of Christ…cleanse our consciences…so that we may serve the living God!”When we live under grace, our giving becomes service, not penance. We give because we’re loved, not to earn love.Ironically, guilt-fueled giving short-circuits the very transformation generosity is meant to bring. When we give cheerfully, we remember that all we have belongs to God. That reframes us as stewards, not owners—a truth that reshapes us from the inside out.When we give from grace:We declare that Jesus is enough.We reflect our trust in God’s provision.We participate in the beauty of Kingdom work.What If Guilt Has Been Shaping Your Giving?Bring it to God – Confess it. Ask Him to renew your heart and reshape your motives.Practice gratitude – Reflect on how God has already provided for you. Gratitude fuels joyful generosity.Ask what joyful giving looks like now – Not compared to others, but based on your own journey with Christ.Because here’s the truth: God isn’t after your money. He’s after your heart. And when He has your heart, generosity will follow—not from guilt, but from grace.You can explore more on giving from the right motivations in the latest issue of Faithful Steward, our quarterly magazine for FaithFi partners. When you give $35 a month or a one-time gift of $400, you’ll join a community spreading biblical financial wisdom. Partners also receive early access to new devotionals, studies, and Pro access to the FaithFi app.Learn more or become a partner today at FaithFi.com/partner.On Today’s Program, Rob Answers Listener Questions:I’m in my early 40s with a history of cancer, but I’ve been cancer-free for over 10 years. Still, I’m having a hard time qualifying for life insurance. I do have some coverage through my employer, but it wouldn’t be enough to support my wife and four young kids if something happened to me. Are there insurance providers more open to covering cancer survivors that I should look into?I own 10 properties and have been rehabbing them due to damage caused by COVID-19 delays and a flood. My wife is still working, and our personal expenses are much lower than our business costs. I'm trying to figure out when enough is enough. Should I continue fixing up all the properties, or would it be wiser to sell some of them as-is?We’re considering taking out a loan of $20,000–$30,000 for home repairs. Our mortgage balance is over $300,000, and my husband is retired. Our lender is only offering a cash-out refinance, but we currently have a great interest rate in the 3% range. What’s the best loan option for our situation?We’ve been debt-free for 20 years, but we recently bought a second home for our adult son with special needs. The house requires more work and furnishings than we initially expected, which is putting a strain on our finances. We’ve always tithed faithfully—would it be okay to pause our giving temporarily until we’re more financially stable?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.

Have you ever faced an upcoming surgery—not just anxious about the procedure itself, but also wondering how you’ll cover the cost?Imagine if someone stepped in to guide you through the process, coordinating the details and helping you navigate the expenses. Good news: that kind of support is available, and Lauren Gajdek is here to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. A New Offering: The Complete Surgical Care SolutionAs the nation’s longest-serving faith-based health cost-sharing ministry, CHM has helped Christian families with over $12 billion in medical bills over the past 40 years. CHM operates as a biblically based nonprofit organization, offering believers a unique way to meet healthcare needs—through the power of community, compassion, and cost-sharing.At no additional cost to members, CHM has launched a groundbreaking program called the Complete Surgical Care Solution (CSCS). This service guides members through the entire process of having surgery or a medical procedure—from finding the right surgeon to managing paperwork and bills.It’s a “curated experience” designed to walk alongside members during a challenging time. It's personalized, turnkey, and stress-free—requiring nothing more than active CHM membership.A Real-Life Story: Chloe’s Journey to HealingChloe is a teenage softball player who struggled with recurring hip and leg pain. When surgery was recommended, her family turned to CHM and its surgical solution program.Through CHM’s help, Chloe was connected with a top-quality surgeon for a hip replacement. The ministry even covered some of the family’s travel expenses. Ultimately, CHM covered more than $145,000 in eligible medical bills. Plus, Chloe’s family received a $1,250 credit toward their out-of-pocket costs.The family described the entire experience as feeling like they were “surrounded by family.” That’s the kind of ministry CHM strives to be.How to QualifyThe process is simple. Members need:A diagnosis from a healthcare providerA recommendation for surgeryIf the procedure qualifies, members can reach out directly to CHM—and from there, the ministry handles the rest.Whether you’re facing a surgery or seeking a faith-based alternative to traditional insurance, CHM offers compassionate, biblically grounded support every step of the way.Visit CHMinistries.org/FaithFi to explore CHM’s offerings and see how this ministry can walk with you through life’s medical challenges.On Today’s Program, Rob Answers Listener Questions:I'm in danger of losing my home. The mortgage company offered me a forbearance and a loan modification, but I still can’t afford the payments. Now they’re telling me to wait for a denial and reapply, but I’m concerned they might be pushing toward foreclosure since there's a lot of equity in the home. What are my options?I'm the executor of my parents’ estate, which was settled about three years ago. How long do I need to keep the estate’s tax returns and supporting documents?My daughter and her husband want to buy a house, but their credit has been affected due to some late car payments. They’ve asked me to cosign the mortgage. I love them and want to support them, but I’m not sure if cosigning is the right move. What should I consider?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)CHM’s Complete Surgical Care Solution (CSCS)HUD.gov (U.S. Department of Housing and Urban Development)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.

Earlier this year, FaithFi had the opportunity to sit down with Tim Tebow—Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation. But this wasn’t a conversation about championships or accolades. Instead, it focused on the moments that most people would rather forget—the painful setbacks that God can use to shape something far greater than we could ever have imagined.Tim Tebow is a Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation, a nonprofit organization dedicated to serving vulnerable children and individuals with disabilities through initiatives such as Night to Shine, orphan care, medical outreach, anti-human trafficking efforts, and support for children with profound medical needs.The Loss That Sparked a PromiseOne of those moments came during the 2008 college football season, when the University of Florida suffered an unexpected loss to Ole Miss. It’s a game many fans remember, but for Tebow, it was deeply personal.As the team’s quarterback and leader, he took responsibility—not just for the plays on the field, but for the team’s mindset, culture, and lack of focus. “We thought we had it in the bag,” he recalled. But after falling behind and ultimately missing a critical extra point, the Gators were handed a humbling defeat.That moment set the stage for what became one of the most iconic press conferences in college football history—Tebow’s passionate promise that the team would never be outworked again. What few saw, however, was the deeper soul-searching that happened behind the scenes. It was a moment of internal reckoning and spiritual clarity.Released, Then RedirectedA more recent setback came in 2021, when Tebow signed with the Jacksonville Jaguars and was released after just one preseason game. “I knew all the right truths,” he said, “but I wasn’t fully living them out. My ego was wrapped up in it.”Shortly afterward, news broke of the U.S. military’s withdrawal from Afghanistan, triggering a humanitarian crisis. As the situation unfolded, the Tim Tebow Foundation mobilized to respond. Tim flew to the Middle East, where he spent time serving in a refugee camp amidst chaos and suffering.Looking back, he sees God’s timing clearly. “If I hadn’t been cut, I wouldn’t have been there. I wouldn’t have been free to do what I was really called to do—care for the most vulnerable.” What looked like a professional failure turned out to be a divine redirection.A Calling Rooted in CompassionThe heart behind the Tim Tebow Foundation was planted years earlier, when a 15-year-old Tim met a boy in the jungles of the Philippines. The boy had been born with his feet on backwards and was viewed by many as cursed or disposable.“I knew God didn’t see him that way,” Tim said. “But I also felt like God was asking me, ‘If you know this boy matters to Me, what are you going to do about it?’”That moment became the driving force behind the foundation’s mission: to bring faith, hope, and love to those in need of a brighter day in their darkest hour. Today, that mission plays out through global efforts in orphan care, anti-human trafficking, medical outreach, and Night to Shine—a worldwide prom event celebrating individuals with special needs.From Success to Eternal SignificanceTebow also offered a powerful challenge: What are we really chasing—success or significance?“Success is about us. Significance is about others. But in God’s economy, He allows us to turn our success—our platform, influence, and resources—into something that matters eternally.”He referenced Proverbs 29:2: “When the righteous flourish, the people rejoice.” The question becomes, are our achievements causing others to rejoice, or are they only benefiting ourselves?This mindset starts with a proper view of ownership. “If we believe what we have is ours, we’ll hold it tightly. But if we believe it’s God’s, we’ll live open-handed. We’re stewards, not owners.”And when it comes to investing, Tebow offered a new take on ROI: “What if ROI didn’t just mean ‘return on investment,’ but ‘rescuing of image-bearers’? Spiritually, emotionally, eternally—investing in people who matter to God.”To anyone in the middle of a setback, Tebow pointed to a deep truth rooted in Scripture: “Do you really believe that God works all things together for good?” (Romans 8:28). Even this heartbreak? Even this moment?He reminded listeners that God is near to the brokenhearted (Psalm 34:18), and when we can’t understand His plan, we can still trust His heart—because His love has already been proven at the cross.On Today’s Program, Rob Answers Listener Questions:My husband and I own a condo that we’re planning to move out of soon. We’re considering two options: renting it out or selling it, which could bring in around $100,000 in profit. Would it be wiser to sell and invest the proceeds or hold onto it as a rental property?My wife has a beneficiary IRA worth approximately $108,000, and she has been required to take distributions from it. I’m trying to understand how a beneficiary IRA differs from a traditional IRA, especially when it comes to how it’s managed. Also, she’s turning 62 in November—does that milestone change anything about how we should approach this account?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Tim Tebow FoundationWisdom 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.