Faith & Finance

“Where your treasure is, there your heart will be also.” — Matthew 6:21That powerful truth from Jesus captures the heart of FaithFi’s mission and vision.If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission.Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.When Your Peace Rises and Falls with the MarketIt’s pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people’s emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace.But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7).If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts.Why Our Mission at FaithFi MattersAt the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure.In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place.It’s not about giving more, it’s about loving God more. That’s why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren’t surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful.The Daily Struggle: Trusting God or Trusting in WealthOne of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security.The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God’s Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ.Wisdom Over Wealth: What Ecclesiastes Teaches UsThis book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they’re meaningless—just vapor, or ‘hevel’ as Ecclesiastes puts it.But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won’t last and start investing in what will.That’s why we’re excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God’s wisdom. You’ll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God’s provision and sovereignty.To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to FinancesFaithFi isn’t just about biblical theory—it’s about real-life application. There are several ways we equip people to live out God-honoring stewardship:The FaithFi App—A budgeting tool built on biblical values like generosity, margin, and contentment. It even includes a vibrant in-app community with Certified Christian Financial Counselors (CertCFCs) and Certified Kingdom Advisors (CKAs).  Radio + Podcast—Daily encouragement and wisdom for wherever you are on your financial journey. Devotionals & Studies—Tools like Look at the Sparrows and Wisdom Over Wealth are helping individuals and churches connect their faith and finances. Faithful Steward Magazine—A quarterly, beautifully designed resource full of rich theology, practical advice, and real-life encouragement—exclusively for FaithFi Partners.Join the Movement: Become a FaithFi PartnerThe best way to support FaithFi's work is to become a FaithFi Partner—someone who gives $35 a month or more, or at least $400 a year. In return, partners receive early access to our Bible studies and devotionals, full access to the FaithFi Pro App, and quarterly issues of Faithful Steward. But more importantly, they help millions of people discover how to treasure God above all else.If this vision resonates with you, visit FaithFi.com/Give and join us.On Today’s Program, Rob Answers Listener Questions:I want to know if charities have to follow minimum wage laws in Florida or the United States.I have about $130,000 between two IRAs, I owe about $125,000 on my mortgage, and about $15,000 on an auto loan. I have a $250,000 term life policy that ends in 2027. I'm shopping around and want to know how much life insurance I should buy, and if you're in favor of life insurance.What's the difference between a Roth IRA and a regular IRA? And can an individual open a 401(k) without being an employee?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5Mother’s Day invites us to reflect on the deep, often quiet influence of a mother’s faith. The Apostle Paul’s words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy.A Mother’s Work: Beyond MeasureWhen we think about the value of moms, it’s usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can’t be priced.But what if we did try to measure the economic value of a mother’s daily work?According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor.Based on these duties, a mother’s annual salary would exceed $185,000—and that’s before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she’s worth every penny.Still, even that figure falls short of her true worth. The value of a mother’s love and faithfulness can’t be calculated. It's personal. It's spiritual. It’s eternal.How Scripture Calls Us to Honor MothersThe Bible doesn’t just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman’s reward:“Her children rise up and call her blessed; her husband also, and he praises her.”Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God’s love in your life.But biblical honor doesn’t end with gratitude. It matures into care, especially as our mothers age.Honoring Through Care: A Biblical MandateIn Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God.In today’s terms, honoring your mother might look like:Making time for her amid your busy scheduleOffering financial assistance or managing her needsIncluding her in decisions that affect the familyListening with patience and respectPraying for and with her regularlyThese acts aren’t just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life.Honoring a Legacy of FaithWhether it’s your biological mom, your wife, a grandmother, or a spiritual mother who’s poured into your life, this Sunday is your opportunity to show them they’re not alone or forgotten.Let her know she’s seen. Let her know she’s loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn’t wasted. It is, in fact, shaping generations and pointing hearts toward Jesus.Because when a mother models faith, she’s not just building a home—she’s shaping eternity.This Mother’s Day, let’s rise up and call her blessed, not just with words, but with actions that honor God and her.On Today’s Program, Rob Answers Listener Questions:Is Bitcoin something that someone should have in their portfolio? I don't necessarily know much about it, so I don't invest in it, especially since I'll be going into retirement.My husband and I have an annuity, and I'd like to know how we can make charitable donations from it.My daughter has two student loans totaling approximately $15,000, with Mohela serving as the loan servicer. With the interest deferment ending in September, I'd like to know if we can negotiate to pay off the loans at a reduced amount, or should we pay them off if we have the funds available?I am the executor of my father's estate, and I'm 67 years old. Last December, the estate planner surprised me by saying we had to take a required minimum distribution (RMD). This year, I would like the RMD to be donated to a charitable organization. How do I set that up?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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 prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3That verse reminds us that wisdom means planning ahead, especially when it comes to life’s most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Why Planning Ahead MattersLife is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care.Consider the questions every household should be able to answer:What happens if you or your spouse is hospitalized?Would someone know how to manage your bills and care for your children?If you were to pass away unexpectedly, would your family know where to find your vital documents?Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it’s urgently needed.The Power of an Emergency BinderAn emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes:Financial accounts and passwordsMedical records and contactsInsurance informationBill due dates and utilitiesFuneral wishesChildcare instructionsAnd more.Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household’s key information is a tangible expression of love, wisdom, and care. It’s a simple act of stewardship that offers comfort, clarity, and care when it matters most.How to Get StartedCreating an emergency binder might sound overwhelming, but it doesn’t have to be.Here’s a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one.And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It’s also wise to keep a digital backup, securely stored and shared with trusted family members.If you’re thinking, “I wish someone would just do this for me,” you’re in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently.You can find it at EssentialEmergencyBinder.com.On Today’s Program, Rob Answers Listener Questions:I want to consolidate our investments. We have a pension, Social Security, Roth IRAs, a 401(k), and traditional IRAs at two different financial institutions. Is it better to have everything in one place?I'm concerned about how my church is spending its tithe money on items like a drum set and library donations, rather than traditional ministries. Is this the right way for a church to use funds?I've received a six-figure inheritance from my uncle in Florida, which includes checking, savings, a money market account, and a Lutheran annuity. I would like to confirm that there is no inheritance tax in Ohio. I'm considering investing the money in CDs through my bank's Certificate of Deposit (CD) program. Can you confirm the tax situation and advise me on this approach?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

If you believe the highest goal of investing is simply to earn a high return, you may be overlooking a deeper purpose—how our money can be used for good.As investors, we’ve been given resources to manage, not just for profit, but in alignment with God’s will and values. It’s easy to see investing through a purely earthly lens, but God invites us into a much greater story. Today, Robin John joins us to explore that bigger vision.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He’s also the author of the forthcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.A Vision for Redemptive InvestingEventide’s tagline—“Investing that makes the world rejoice”—is more than marketing. It’s a biblical conviction inspired by Proverbs:“When the righteous prosper, the city rejoices, but when the wicked perish, there are shouts of joy.” – Proverbs 11:10Righteousness, in this context, refers to those who seek the good of others. The righteous prosper by looking out for the people in the city. But the wicked prosper through exploitation, especially of the poor. That leads to groaning, not rejoicing.For Eventide, investing is about more than avoiding harm. It’s about actively investing in companies whose products and practices bring tangible good into the world—serving real needs, not exploiting vulnerabilities.Can You Do Good and Do Well?A common concern among faith-based investors is whether aligning values with investments means sacrificing returns.Romans 12 tells us “not to conform to the patterns of this world but be transformed by the renewing of our minds.” That means we should be willing to make sacrifices if necessary. But that doesn’t mean underperformance.Research from the Biblically Responsible Investing Institute, drawing on a 19-year study, compares values-based screening (which excludes companies involved in activities such as abortion, pornography, and tobacco) with the S&P 500 and yields equivalent long-term returns.It’s a myth that you must compromise performance to honor your faith. At Eventide, they don’t just avoid the bad—we seek out the good.The Ultimate Question, as posed by Bain consultant Fred Reichheld, also found that the most successful companies are those that best serve their customers and employees. Serving people well is good business, and it often leads to long-term outperformance.Why How You Make Money MattersJohn Wesley once said, ‘Make all you can, give all you can, but make all you can without hurting yourself or your neighbor.”Proverbs 1:19 also warns against partnering with those who gain through unjust means. It’s not just what we give—it’s how we earn that matters to God. Ill-gotten gain is not pleasing to Him.Generosity isn’t limited to charitable giving. A teacher choosing to serve children instead of pursuing a higher-paying career is living generously, even without writing a check.The Good InvestorRobin's passion is to see everyday Christians empowered to invest in ways that reflect their values. His upcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, aims to help believers do just that.The Good Investor doesn’t stop at money—it’s also a book about purpose and calling. Don’t assume your calling means you have to start something new. Many Christians are exactly where God needs them to be. The real challenge is to recognize your work as valuable to God and do it in a way that reflects His goodness.Psalm 1:3 emphasizes that the blessed life is rooted in delighting in God’s Word and walking in His ways:“That person is like a tree planted by streams of water...whatever they do prospers.”Robin’s new book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, will be released on July 22 and is available for pre-order now wherever books are sold.This is a must-read for any Christian who wants to rethink investing through the lens of God’s Kingdom—and rediscover the purpose and power of their everyday financial decisions.On Today’s Program, Rob Answers Listener Questions:I have a 401(k) from my old school district job with approximately $7,000-$8,000 in it. I'm 55 and want to know if I should roll it over into my new company's retirement plan and what I should do with my IRA.I remarried after my first wife passed away. If I die, can my late wife's kids force my new wife out of our house, and how can I protect her?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineEventide Asset ManagementThe Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnThe Ultimate Question 2.0: How Net Promoter Companies Thrive in a Customer-Driven World by Fred Reichheld with Rob MarkeyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Are our efforts to help the poor always helpful, or could they sometimes do more harm than good?Today, we’ll explore how short-term missions can genuinely reflect the heart of Christ and bring lasting change, without unintentionally hurting the very people we aim to serve. Dr. Brian Fikkert joins us for that conversation.Dr. Brian Fikkert is a Professor of Economics and Community Development and the Founder and President of the Chalmers Center for Economic Development at Covenant College in Lookout Mountain, Georgia. He is also the co-author of the book, Helping Without Hurting in Short-Term Missions.What Is Poverty—Really?Americans often define poverty materially—a lack of necessities, such as food, clean water, clothing, or shelter. As a result, short-term mission trips often center around distributing goods or completing construction projects. But when you ask materially poor individuals around the world what poverty means to them, they describe feelings of shame, helplessness, and a lack of dignity.This reveals a disconnect: while we view poverty as a lack of material possessions, those experiencing it often define it in relational, psychological, and spiritual terms. True poverty is brokenness in relationship—with God, self, others, and creation. That insight should transform how we approach short-term missions.Even the most well-intentioned trips can do harm. Why? Because those going on these trips may carry pride, believing they have the answers or that their culture holds superiority. In contrast, those in materially poor communities often struggle with inferiority. That combination can worsen the very sense of worthlessness we hope to alleviate.Rather than reinforcing this brokenness, we should pursue humility and listen more than we speak. The goal should not be to "fix" but to restore—to foster healthy relationships that reflect the image of God in all people.Presence Over ProjectsShort-term trips shouldn't be about what we accomplish but about who we become in relationship.If poverty is rooted in broken relationships, then the solution is to restore people to right relationships. And that doesn’t come through handing out supplies or completing a checklist—it comes through deep, lasting community.That’s why the local church is God’s primary instrument of restoration. Mission teams should support these churches in a “backstage” role—serving quietly, praying faithfully, and encouraging leaders who are already embedded in the community. Sometimes the best thing you can do is babysit the pastor’s children so he and his wife can enjoy a night out. That kind of support strengthens the long-term work far more than any single project ever could.The Sending Church’s Role in Long-Term SuccessMany short-term trips blur the line between gospel and Western culture. But the gospel transcends culture—and so should we.Colossians 1 reminds us that Christ is the Creator and Sustainer of all things. That means He is already at work in every community, regardless of how impoverished it may seem. When mission teams enter a new culture, they should approach it reverently, as if stepping onto holy ground. There is beauty in every culture, and highlighting it can be healing. Simply asking, “What’s good here?” affirms the image of God in others and begins the work of restoration.How can the sending church help ensure long-term success in missions?It’s not about executing a flawless trip. It's about fostering enduring partnerships with local ministries. That includes showing up year after year, offering consistent prayer and support, and being safe spaces where local leaders can be authentic. Success is not measured by how much we build but by how deeply we walk with others through life.Fundraising as a Form of DiscipleshipShort-term mission fundraising can also be reframed. Young people often feel pressure to produce tangible results in exchange for financial support. But if the goal is to learn and grow, that’s a worthy investment.Go as a learner and communicate that clearly to your supporters. When trips are part of a larger discipleship journey, they become valuable not only for those being served but also for the transformation of those who participate.Still, we must be wise stewards of God’s resources. Many trips could be more effective if better embedded in a long-term process of learning and partnership.Short-term missions, when done right, can become powerful instruments of healing and restoration. But they must begin with a correct understanding of poverty and a humble willingness to be shaped by the journey.For churches preparing for trips this summer, Helping Without Hurting in Short-Term Missions is more than a resource—it’s a reorientation of purpose.To explore Dr. Fikkert’s work or find resources and group studies designed for churches, visit Chalmers.org.On Today’s Program, Rob Answers Listener Questions:I just bought a new SUV and was offered bi-weekly payments. Would it be advantageous to opt for this option over monthly payments to minimize interest?My mother passed away in October of last year, and my sister and I are going to sell her house probably next month. My question is, in Texas, there's no inheritance tax. But is there an inheritance tax federally?We have some friends who asked us to give them a letter of giftedness to help them buy a home. They're asking for $17,000, for which they have $17,000 in cash that they will exchange for our check immediately. We don't understand why they can't just use their own cash, and we're not sure if helping them would cause difficulties for us or them.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineThe Chalmers CenterHelping Without Hurting in Short-Term Missions by Brian Fikkert and Steve Corbett with Katie CasselberryWhen Helping Hurts: How to Alleviate Poverty Without Hurting the Poor... and Yourself by Steve Corbett and Brian FikkertWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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 my thoughts are not your thoughts, neither are your ways my ways, declares the Lord. For as the heavens are higher than the earth, so are my ways higher than your ways and my thoughts than your thoughts." - Isaiah 55:8-9You don’t have to study Scripture long to realize that God’s wisdom differs sharply from what the world considers wise. John Cortines joins us today to talk about the nature of wisdom, and spoiler alert— it’s a Person, not a thing.John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.The True Nature of WisdomIn our modern world, we often equate wisdom with knowledge, education, and the ability to make good decisions. While these aspects are certainly part of it, Ecclesiastes teaches us that wisdom is far more than intellectual mastery or a collection of best practices. In fact, wisdom is not just a set of principles—it is a person. That person is Jesus Christ.Throughout Ecclesiastes, the Preacher (likely King Solomon) wrestles with the big questions of life: What is our purpose? Where can we find joy? How should we handle money? The book explores the various paths people take—seeking pleasure, accumulation, and status—but ultimately concludes that all these pursuits are vanity, or "chasing after the wind."The key takeaway? True wisdom is found in fearing God and keeping His commandments. But it's not merely about following rules—it’s about cultivating a relationship with God through Christ.Ecclesiastes isn’t just a book about the limitations of human wisdom; it points us to the deeper truth that wisdom is found in a relationship with God. Near the end of Ecclesiastes, we read that "the words of the wise are like goads," and these words come from "one shepherd."Interestingly, this shepherd's identity is made clear in the New Testament, where Jesus identifies Himself as the Good Shepherd in the Gospel of John. Not only does Jesus impart wisdom, but He is wisdom. In Colossians, we learn that Jesus is the one who orders and sustains all things—He embodies wisdom.Paul writes in 1 Corinthians 1:30 that Jesus became "to us wisdom from God, righteousness, and sanctification." This concept shifts our understanding of wisdom from a set of teachings to a relationship with a person.Ecclesiastes and the Limitations of Human WisdomEcclesiastes acknowledges the limits of human wisdom. Even Solomon, renowned for his wisdom, struggled to make sense of life’s paradoxes. He sought knowledge, but it never gave him lasting meaning. In fact, knowledge alone cannot answer the deeper questions of life, such as suffering, uncertainty, or death.True wisdom isn't found in education or achievement; it's received from outside ourselves. Proverbs 9:10 states, "The fear of the Lord is the beginning of wisdom," and in the knowledge of the Holy One, there is insight. True wisdom is about trusting in Christ, who alone leads us into all truth and understanding.Walking in Wisdom with ChristIf wisdom is a person, the way to grow in wisdom is to walk closely with Jesus. John offers some practical ways to deepen our relationship with Christ and grow in wisdom:Spend time in God’s Word: Not just for information but to encounter Christ and be transformed.Pray and seek His guidance: God promises to give wisdom to those who ask for it.Live in obedience: Wisdom isn't just knowing what is right; it's living it out.Surround yourself with wise counsel: Engage with fellow believers who are also walking with Christ.Trust God in times of uncertainty: Lean on Christ in suffering and hardship.Develop a heart of gratitude: Recognize and enjoy the simple gifts God gives us each day.These steps, though simple, shape our lives and our relationship with God. They allow us to grow in wisdom and understanding as we live in step with Christ.The Connection Between Wisdom and FinancesOne area where wisdom plays a critical role is in our financial lives. The way we handle money is closely tied to our spiritual journey, and the book of Ecclesiastes speaks directly to this. Money is often viewed in our culture as a means of fulfillment, but Ecclesiastes teaches us that wealth is a tool, not our source of meaning.In Ecclesiastes 11, we are reminded of the importance of generosity: "Cast your bread upon the waters, for you will find it after many days." Giving reflects God’s nature and His wisdom, and it produces Kingdom fruit. Generosity is a key part of living for Him.Ecclesiastes teaches us to appreciate the simple gifts God provides, while also reminding us that money and possessions are fleeting. As we apply the wisdom of Christ to our finances, we see the balance between frugality, generosity, and enjoying the blessings God has given us.The Ultimate Wisdom: JesusAt the heart of Ecclesiastes—and of all Scripture—is the call to fear God and keep His commandments. In the New Testament, we understand that this means following Jesus Christ, who is wisdom incarnate. Our pursuit of wisdom isn't about accumulating knowledge or living by a set of moral principles. It’s about knowing Jesus personally and living in relationship with Him.If you're seeking wisdom, the answer is not found in more knowledge or better strategies—it’s found in Jesus Christ. As we follow Him, we grow in wisdom, and our understanding of life’s challenges—including money and possessions—becomes clearer. Wisdom is a person, and that person is Jesus.For those interested in diving deeper into the book of Ecclesiastes, our new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, offers a comprehensive exploration of this biblical text and its profound teachings on money, work, and contentment. Visit FaithFi.com/shop to get your copy today or to place a bulk order.On Today’s Program, Rob Answers Listener Questions:I have a son who has separated himself from our family. We haven't spoken in two and a half months. I want to know if there are any biblical references that would support changing my will to take my son out of it, given our current strained relationship.I made an insurance claim for a new roof, which was necessary. Now my insurance company has raised my rates, and my next payment is $163 higher than usual, which I can't afford this month. Do I have any recourse, and what should I do besides looking for another insurance company?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineTrue Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory BaumerSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23It’s easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn’t come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement.Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rediscovering Purpose in RetirementWhat if retirement wasn't the end of something, but the beginning of something far greater?With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?”Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today’s media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing.A Biblical Alternative: Eldership, Not EscapeThe Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn’t “quitting”; it’s wise delegation and reorientation.There’s a three-part vision in light of this:Lay down past work identities.Embrace a season of rest, reflection, and renewal.Re-engage as elders—servants, mentors, leaders.The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates.A Path Forward: Rest and RenewalWe encourage retirees to start with rest, not for rest’s sake, but to re-center and listen for God’s leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life’s transitions.It’s recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God’s direction.Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it.As Psalm 92:12–14 reminds us:“The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.”So what’s next?Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet.It’s time we shifted the retirement conversation from numbers to calling.Embrace an Uncommon RetirementIf you're ready to rethink retirement, pick up Jeff’s book, An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life. And if you want to read Jeff’s full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give.Because retirement isn’t the end—it’s the start of a new mission. Let’s live it well.On Today’s Program, Rob Answers Listener Questions:My husband and I own a trucking company, and we're downsizing. We sold one of our trucks and have approximately $80,000. I'm trying to figure out the best way to invest this money or whether it would be wiser to put it towards the debt on our other trucks.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Larry Burkett often said that capitalism must be tempered by Christian love, compassion, and stewardship.Proponents of capitalism and free markets don’t often express that concern, just as believers in social welfare rarely count the cost. Jim Jones joins us today to talk about a new way of looking at those ideas.Jim Jones is a Chartered Financial Analyst® (CFA®) and Certified Kingdom Advisor® (CKA®). He is also the author of Utopia Reimagined: An Allegory of Capital and Conscience.A Unique Approach to Biblical EconomicsUnlike typical finance books, Utopia Reimagined is a novel—a work of fiction designed to explore serious biblical and economic themes through story.Why fiction? Jesus often used storytelling to challenge people’s assumptions and invite deeper reflection. From the Good Samaritan to the Prodigal Son, stories have the power to stick with us in ways data and arguments often can't. As G.K. Chesterton once quipped, “Novels are more true than science textbooks. Life is sometimes like a science textbook, but life is always a story.”The Journey of Alexander and PaulineThe novel follows two siblings—Alexander and Pauline—on a journey through contrasting societies, each representing different economic and political ideologies.Alexander, a gifted but oppressed peasant in 18th-century France, escapes a feudal system to explore new societal models. His journey takes him through a magical cave into Santosa—a society with socialist tendencies—and eventually to New York City, the heart of free-market capitalism. Along the way, Alexander wrestles with the tension between opportunity, freedom, and justice.Pauline’s journey is more focused on the moral and cultural fabric of each society. Her lens offers readers a parallel exploration of what’s right, just, and good—not only economically, but relationally and spiritually.Through these characters, readers are invited to explore how faith shapes our perspectives on power, wealth, justice, and human dignity. Some characters see everything through the lens of faith, while others struggle to integrate it or reject it altogether.The beauty of storytelling is that it doesn’t just show you what people believe, but why they believe it. That builds compassion and opens the door to real understanding.What Does a Biblical Utopia Look Like?In the final chapters of the novel, Alexander and Pauline discover a society that reflects the fullness of God’s Kingdom—a glimpse of the new heavens and the new earth. It’s a world where work, community, economics, and leadership are all governed by Christ’s nature: sacrificial love, justice, and peace.But how do we pursue this kind of utopia now?Real change begins not at a national or global level, but in our local Christian communities. Reflecting God's image means practicing agape love—self-sacrificing care for one another—in how we use our time, money, influence, and power. We do that in community, not alone.Bringing the Vision to LifeMore than just a novel, Utopia Reimagined is a tool for discipleship and transformation. It’s a call to rethink how we live, give, work, and govern in light of God’s design. Through this engaging allegory, Jim Jones invites believers to dream again—anchored in Scripture and empowered by the Spirit—to reflect the Kingdom of God on earth as it is in heaven. That’s why he has developed a discussion guide for churches, small groups, and communities who want to go deeper. It’s available at utopiareimagined.com, where readers can also purchase the book or join a virtual conversation with Jim himself.And for a limited time, the Kindle edition is available for just $1.99.On Today’s Program, Rob Answers Listener Questions:I'm a landlord with a duplex and want to sell it in a year. I haven't rented the top unit for a year after a bad tenant experience. What's the best way to proceed - rent it out again or sell, and how do I handle the tax implications of a potential 1031 exchange?I'm 65 and have a life insurance policy with $45,500 cash value. We no longer need the death benefit. Should I cash it out and invest the money or use it to pay down our $50,000 mortgage?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineUtopia Reimagined: An Allegory of Capital and Conscience by James G. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio.Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. What Is an ETF—and How Does It Differ from a Mutual Fund?Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions.ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes.Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It’s also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider.While some ETFs are straightforward, others are complex. For example, oil futures ETFs don’t always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions.Faith-Based Investing with PraxisHistorically, faith-based investing has centered around mutual funds. But that’s changing. Praxis recently launched two ETFs designed with Christian values at their core:PRXG: Praxis Impact Large Cap Growth ETFPRXV: Praxis Impact Large Cap Value ETFThese funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement.For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It’s vital to have Christians at the table asking not just what is possible, but what kind of future we want to create.If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don’t compromise on financial performance.Learn MoreYou can explore Praxis’s biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com.Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it’s possible to steward God’s resources with wisdom, impact, and integrity.On Today’s Program, Rob Answers Listener Questions:Should I prioritize charity donations and extra mortgage payments or build up my emergency savings first?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazinePraxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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 Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope.Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.When Life Doesn’t Go According to PlanWhether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair.In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us.When our expectations are shattered, our reactions often fall into two extremes:Resignation: We lower our expectations to avoid disappointment, but in doing so, we risk losing hope altogether.Control: We force outcomes, striving and manipulating circumstances to regain a sense of stability.Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind.Psalm 27:14 says, “Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!” Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, “The work God wants to do in us while we wait is as important as what we are waiting for.”Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way.Practical Steps for Seasons of WaitingDrawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting:Acknowledge God is at work – Even if you can’t see it. Habakkuk 1:5 reminds us, “I am doing a work in your days that you would not believe if told.” Change your perspective – Ask God to help you see things from His perspective. Sometimes, hope is just a matter of viewpoint. Worship in the waiting – Worship reorients our hearts. It reminds us who God is and keeps us anchored in His character rather than our circumstances.For those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand.And that’s not just a consolation—it’s a promise.On Today’s Program, Rob Answers Listener Questions:Does giving to animal charities count as tithing, or is tithing explicitly meant for giving to help people?I heard that disability and SSI are going to increase their monthly payments. Is this true?I recently sold a house and didn't give the whole tithe I intended. My financial advisor suggested waiting until a CD matures in July to avoid taxes. Should I wait to give the tithe, or give it now?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.