Faith & Finance

As the saying goes, you don’t need to be wealthy to start saving—but you do need savings to build wealth.Right now, one of the best ways to grow your savings is by taking advantage of high-yield savings accounts. But how long will these elevated rates last? Let’s explore what’s driving these rates and what you can do to maximize your savings.The Role of a Savings AccountBefore we dive into high-yield savings, let’s clarify what a savings account is—and what it’s not. Unlike investing accounts involving higher risk, a savings account is a secure place for short-term financial needs.A savings account is ideal for:Your emergency fundBig purchases you plan to make in the next few years, such as a car or home repairsCurrently, some online savings accounts offer interest rates between 4.75% and 5%, significantly outperforming traditional brick-and-mortar banks. But why are these rates so high?The Inflation Factor: Why Rates Are HighInflation plays a significant role in determining interest rates. The Federal Reserve typically raises interest rates to slow inflation down when inflation rises.Over the past couple of years, inflation has remained higher than the Fed’s 2% target. As a result, the Fed has held off on cutting rates as originally anticipated.Bad news? If you have a variable-rate loan like a credit card or home equity line of credit, you’re paying more in interest.Good news? You're earning more on your savings if you have a high-yield savings account.Because banks adjust their rates based on the Fed’s actions, the question remains: How long will these higher yields last?Will Savings Yields Stay High?Only God knows for sure, but we can make an educated guess based on two factors:The latest inflation numbers—If inflation continues around 3%, the Fed may hold steady, keeping savings rates high.The Federal Reserve’s reaction—If inflation drops to 2.5%, the Fed might cut interest rates, eventually leading to lower savings yields.Even when the Fed does cut rates, it can take time for savings yields to follow. Banks tend to delay lowering interest rates on savings accounts. Likewise, when the Fed raises rates, banks take their time increasing yields.Why? Because banks don’t want to be the first to make a move. They wait to see how competitors react so they can stay within industry standards while remaining competitive.How to Get the Best Savings RatesSince banks adjust rates at their own pace, it’s wise to monitor trends. If your bank consistently offers lower yields than what’s available online, consider moving your money.To compare savings rates, check websites like:BankrateNerdWalletAdditionally, if savings account yields start dropping, you might consider alternatives like:Certificates of Deposit (CDs)—Offer fixed, higher yields for a set period.Money Market Accounts—Typically have higher yields than standard savings accounts.Credit Unions: A Hidden Gem for High YieldsIf you’re dissatisfied with your bank’s rates, you don’t necessarily need to switch to an online bank. Credit unions often offer higher savings yields than traditional banks.Unlike for-profit banks, credit unions return profits to their members through:Higher interest rates on savingsLower fees and better loan ratesOne faith-based option is Christian Community Credit Union, which offers competitive savings rates and gives a portion of its revenues to support ministry efforts worldwide. Learn more at JoinChristianCommunity.org.Proverbs 13:11 offers timeless wisdom on the importance of saving:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”The key to faithful financial stewardship is making wise, intentional choices—whether that’s finding the best savings rate or consistently setting aside money for the future.As you grow your savings, remember that true stewardship isn’t just about accumulating wealth—it’s about using what God has entrusted to you wisely.On Today’s Program, Rob Answers Listener Questions:How can I have a conversation with my spouse to combine our finances instead of keeping them separate? It seems like we're both always out of money when we keep them separate.I've heard you talk about qualified charitable deductions, and I wanted to ask if I can use them for my tithes. I'm 70 years old. How exactly does it work?How do I compare the value of the pension plan I have in my current job to a 401(k) that other employers may offer?I've received a $1,780 per month retirement windfall. My son is suggesting I invest in Bitcoin, but what would you recommend I do to be a good steward of this money?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit UnionMoney and Marriage God's Way by Howard DaytonWisdom 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 then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?" – Luke 16:11Managing money wisely in today’s fast-paced world isn’t always easy. With so many financial demands, it’s tempting to take shortcuts—grabbing coffee on the go, eating out instead of cooking, or neglecting a budget altogether. But faithfulness in finances requires intentionality. Here’s how you can stay faithful in managing your money according to biblical principles.Before making financial decisions, seek God’s wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.” Set aside time each week to pray over your finances and seek God’s direction.Create a Spending PlanA budget is essential for financial faithfulness. Without one, it’s easy to overspend and struggle to meet obligations. If you don’t have a budget, download the free FaithFi app, which provides step-by-step guidance for setting up a plan and tracking expenses.If your income isn’t covering expenses, you have two choices: cut spending or increase income. Trimming expenses is often the easier option.Cut Unnecessary ExpensesStart by reviewing where you spend the most. While housing costs may be fixed, food expenses can be reduced with intentional planning:Limit dining out to once or twice a month.Meal plan and shop with a list to avoid impulse purchases.Consider online grocery shopping to stick to a budget and avoid overspending.Beyond food, look for other savings opportunities:Cancel unused streaming subscriptions.Form a babysitting pool with other parents.Seek out free local activities for entertainment.Build an Emergency FundFinancial stability requires preparation. Start by setting aside $1,500 for unexpected expenses like car repairs or medical bills. Gradually work toward saving three to six months’ worth of living expenses. The peace of mind an emergency fund provides is worth the effort.Tackle Debt StrategicallyIf you’re burdened by debt, follow Proverbs 22:7, which warns, “…the borrower is slave to the lender.” Develop a plan to pay off consumer debt using the snowball method:Pay minimums on all debts.Focus extra payments on the smallest balance.Once that debt is paid, roll payments into the next smallest.Repeat until you’re debt-free.If you’re struggling to make minimum payments, consider a debt management plan through Christian Credit Counselors, who can help reduce interest rates and speed up repayment.Save for the FutureOnce consumer debt is eliminated, shift your focus to retirement savings. Aim to invest 10-15% of your income in a tax-advantaged account like an IRA or 401(k). If your employer offers matching contributions, take advantage of this free money as soon as possible.Practice GenerosityGiving is at the heart of financial faithfulness. Commit to tithing regularly to your local church and seek opportunities to bless others through sacrificial giving. As Jesus said in Acts 20:35, “It is more blessed to give than to receive.”By following these principles—prayer, budgeting, saving, eliminating debt, and giving—you can remain faithful in managing the resources God has entrusted to you.On Today’s Program, Rob Answers Listener Questions:My wife is retired. I am 59, and I want to retire next year. So our house is paid off. Vehicles, we have some rented houses. They're almost paid off. When should we take or try to take our Social Security?I'm 50 years old, self-employed, and max out my Roth IRA yearly. I have a question about Social Security—do you expect it to still be around in the next 20 years, or should someone like me be concerned about its future?I have a universal life insurance policy worth about $10,500, and my premiums were recently updated to $50 per month until 2031. However, I don’t necessarily need the policy since I’ve donated my body to a hospital, which means I won’t have funeral expenses. Therefore, I’m considering surrendering the policy, depositing the cash value into a bank account, and redirecting the $50 monthly premium into savings instead of continuing the policy. Is this a wise financial decision?My son has about $10,000 in credit card debt. He called the Christian Credit Counselors, who could help him. But he's also $30,000 in debt to payday cash loans, which charge him 300% interest. Unfortunately, they have said that they can’t help him with those. Is there any avenue through which he can get help with payday loans?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Healthcare Ministries (CHM)Consumer Financial Protection BureauChristian Credit CounselorsWisdom 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.

A.W. Tozer once wrote in The Knowledge of the Holy, “What comes into our minds when we think about God is the most important thing about us.” Our understanding of God influences everything—including how we handle what He has entrusted to us.In the Parable of the Talents (Matthew 25:14-30), Jesus tells a story that reveals how our perception of God directly affects our stewardship. Three servants are given different amounts of money while their master is away. Two invest what they receive and are rewarded for their faithfulness. The third, however, buries his portion out of fear. His failure wasn’t just financial—it was a failure of understanding his master’s character.A Misunderstanding That Led to FearAt first glance, the punishment of the third servant might seem extreme. After all, he didn’t lose the money—he simply didn’t invest it. But Jesus’ parable isn’t just about financial stewardship; it’s about how we see God.The third servant viewed his master as “a hard man” (Matthew 25:24), someone to be feared rather than trusted. His words reveal the issue of his heart:“Master, I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your gold in the ground.” - Matthew 25:24-25His fear of failure led him to inaction. Instead of seeing an opportunity, he saw a trap. Instead of seeing generosity, he saw harshness. And because of that, he did nothing.This is the danger of a wrong view of God. When we perceive Him as an unrelenting taskmaster, we shrink back—afraid to fail, hesitant to step out, reluctant to engage with what He has given us. We bury our talents—whether our time, resources, or gifts—assuming He is more interested in punishment than partnership. But Scripture reminds us:“There is no fear in love. But perfect love drives out fear, because fear has to do with punishment.” - 1 John 4:18Faith and Trust Lead to FruitfulnessIn contrast, the first two servants acted in faith. They saw their master as someone worth serving, embracing their responsibility with joy. They took risks, multiplied what they had been given, and were met with their master’s praise:“Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” - Matthew 25:21The master’s reward wasn’t just about productivity—it was an invitation into deeper joy. Their faithfulness wasn’t about money; it was about trust. They trusted their master’s goodness and acted boldly.Many struggle with obedience because they see it as a burden rather than an opportunity. But the faithful servants understood something key: what they had been given actually belonged to their master, and stewarding it well was a privilege.Jesus invites us to partner with Him in His work, not because He needs us, but because He delights in working through us. Paul describes this beautifully:“For we are co-workers in God’s service; you are God’s field, God’s building.” - 1 Corinthians 3:9We are not slaves cowering under a harsh master—we are co-laborers in His kingdom. When we understand this, our perspective on obedience changes. Giving, serving, and using our gifts for His glory are no longer seen as obligations but as privileges.Living as Faithful StewardsThe real tragedy of the third servant is that he never truly knew his master. His false perception led to his inaction, and his master’s response is sobering:“Throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.” - Matthew 25:30This warning isn’t just about stewardship—it’s about our hearts. If we live in fear and refuse to trust God, we will miss out on the joy of His kingdom. In fact, I would venture to say that when some meet Jesus, they may not hear, “I never knew you,” but rather, “You never knew Me.”But if we truly know Him, we will step forward in faith, eager to invest our lives in His work.God invites us to see Him as He truly is—loving, generous, and trustworthy. When we do, we won’t shrink back in fear—we will step forward in faith. Like the faithful servants in the parable, we will hear His words of joy:“Well done, good and faithful servant.”Let’s live as stewards who know our Master—trusting in His goodness and investing in His kingdom with boldness and joy.On Today’s Program, Rob Answers Listener Questions:My daughter has $20,000 in credit card debt across five cards. With her husband incarcerated, she's struggling to make the $800 monthly minimum payments. I'm looking for a way to help her consolidate the debt and get a lower interest rate so she can start paying it down.We've been offered a good price to sell our 14-year-old business, but I'm concerned about the capital gains taxes we'll owe. Besides investing in our IRAs, are there any other strategies we can use to reduce the taxes we'll have to pay on the sale?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineThe Knowledge of the Holy: The Attributes of God: Their Meaning in the Christian Life by A.W. TozerCross InternationalChristian Credit CounselorsNational 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.

Martin Luther once said, “There is no more lovely, friendly, and charming relationship, communion, or company than a good marriage.”A strong marriage is a blessing but requires intentional effort, especially in a blended family. Today, Ron Deal and Greg Pettys join the show to discuss a valuable resource for second marriages.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Greg Pettys, CLU, ChFC, CFP, has thirty-four years of specialized experience in securities and life insurance sales and services. He is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family.Understanding the Financial Challenges of Blended FamiliesWhen two people enter a marriage with previous financial histories, children, and life experiences, their financial situation becomes more complex than that of a first-time marriage. They may bring:Separate bank accounts and investmentsExisting debts and financial obligationsDifferent parenting and financial philosophiesThe need to provide for children from previous relationshipsConcerns over inheritance and estate planningMerging finances in a blended family isn’t just about money—it’s about trust, provision, and love. Without clear communication and planning, financial disagreements can create tension, causing stress in the relationship.What Is a Togetherness Agreement?A Togetherness Agreement is a structured approach for blended couples to clarify their financial decisions, ensuring transparency and unity. More than just a financial plan, it is a tool for fostering trust and eliminating fear. It’s not just about bank accounts and investments—it’s about love, respect, and providing well for one another. It brings clarity to emotionally charged financial topics, ensuring that both partners are aligned in their vision for the future.Why Is a Togetherness Agreement Important?1. It Provides Financial TransparencyMany couples enter marriage with financial baggage—whether it's debt, differing views on money management, or past experiences that have led to distrust. A Togetherness Agreement creates a safe space for full financial disclosure.2. It Helps Prevent Conflict Over MoneyMoney is one of the top stressors in any marriage, but in blended families, the stakes are even higher. The agreement ensures both spouses are on the same page regarding financial expectations and responsibilities.3. It Protects Children and Future GenerationsWithout a clear plan, assets and inheritance can unintentionally drift away from children from previous marriages. The agreement helps ensure that financial resources are distributed according to the couple’s wishes, not just default legal systems.4. It Strengthens Marital Trust and UnityA Togetherness Agreement fosters open communication, allowing couples to plan their future confidently rather than fearfully. It shifts financial discussions from potential sources of conflict to proactive, loving conversations.What Should a Togetherness Agreement Include?A Togetherness Agreement can be as formal or informal as a couple chooses. While some opt for a legally binding contract, even a simple written plan can be valuable. Key components may include:Bank Account Structure—Should finances be merged, kept separate, or a combination of both?Debt and Credit Considerations—How will existing debts be managed, and how will future credit decisions be made?Business Ownership—If one spouse owns a business, what will happen to it in the event of death or divorce?Financial Responsibilities—Who is responsible for household expenses, savings, and long-term care for aging parents?Inheritance and Estate Planning—How will assets be distributed to biological and stepchildren?Contingency Plans—What provisions are in place for special needs children, elderly parents, or unexpected life changes?When Should Couples Create a Togetherness Agreement?Ideally, discussions about financial planning should begin before marriage. However, it's never too late to start if you’re already married and haven’t had these conversations.If you’re dating, start the conversation now. If you’re already married, don’t wait—begin today. The Smart Step Family Guide to Financial Planning provides a step-by-step guide to help you navigate these important discussions.A Togetherness Agreement is an essential tool for blended families to navigate finances with wisdom, clarity, and love. By fostering open communication and financial unity, couples can build a secure foundation for their marriage and their future.If you're in a blended family, consider creating your own Togetherness Agreement today—it might be the most valuable financial decision you ever make.For more insights, pick up a copy of The Smart Step Family Guide to Financial Planning and start building a financial roadmap that aligns with your family's unique needs.On Today’s Program, Rob Answers Listener Questions:My question has two parts. First, what is the best way to protect myself from identity theft? And second, our home is paid off - what's the best way to protect ourselves so someone can't come in and put a mortgage or lien on our house without us knowing about it?I'm calling regarding my estate planning. I remember somewhere in the Bible saying we are required or should leave something for our children and grandchildren. How much should we leave for our grandchildren?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineThe Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal, Greg S. Pettys, and David O. EdwardsSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron BlueWisdom 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.

"Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven… “ -   Matthew 6:19-20Would you like to rethink your approach to money? Six powerful principles can shift your focus from the temporal to the eternal…and best-selling author Randy Alcorn is here to talk you through them.Randy Alcorn is the founder and director of Eternal Perspective Ministries (EPM) and the New York Times Bestselling author of more than 60 books, including Heaven, Money, Possessions, and Eternity, The Treasure Principle, and Giving Is the Good Life. His books have been translated into over seventy languages and have sold over ten million copies.The Foundation: God Owns EverythingWhen we take our cues from the world, it’s easy to develop a flawed perspective on money. But Romans 12:2 calls us to be transformed by the renewing of our minds. That transformation begins with the first principle:God owns everything, and I am His money manager.This truth alone can radically change how we view our finances. If everything belongs to God, then we are simply stewards of His resources. Just like a financial manager oversees someone else’s wealth, we must ask God what He wants us to do with what He has entrusted to us. Thankfully, He has provided clear guidance in His Word.Imagine borrowing a pencil from someone and then breaking it in half. If the pencil belonged to you, that wouldn’t be a big deal. But if it belonged to someone else, breaking it without permission would be wrong. The same is true with money—when we recognize that all we have belongs to God, it changes how we use it.Our Hearts Follow Our MoneyThe second principle in The Treasure Principle is equally profound:Our heart always goes where we put God’s money.This truth comes directly from Matthew 6:21: “For where your treasure is, there your heart will be also.” Many people believe that their giving will naturally follow their heart’s desires. But Jesus turns that idea upside down: If we want to cultivate a heart for God’s kingdom, we need to start by investing in it.Want to develop a deeper love for missions? Start giving to missionaries. Want to care more about your church? Invest financially in its ministry. Our hearts follow our treasure.Cultivating an Eternal PerspectiveAnother key principle is:Heaven (On Earth) is our home.Hebrews 11:16 tells us that believers are “citizens of a better country, a heavenly one.” Recognizing that this version of the world is not our final destination changes how we use our money. Instead of accumulating wealth here, Jesus calls us to store up treasures in heaven (Matthew 6:20).But what does that mean? It doesn’t mean stockpiling gold and silver in some celestial bank. Instead, our eternal treasures come from investing in God’s work—supporting ministries, spreading the gospel, and using our resources to help those in need. The money we use today to advance God’s kingdom will have eternal significance.Faithful stewardship isn’t about earning salvation—it’s about responding to God’s generosity by using our resources wisely and storing up treasures that will last for eternity.Prosperity with a PurposeFinally, The Treasure Principle reminds us that:God prospers us not to raise our standard of living but to raise our standard of giving.It’s easy to assume that when God blesses us financially, it’s simply for our own benefit. But Scripture calls us to a different mindset. Like a delivery driver who is entrusted with a package to deliver—not to keep—God blesses us so that we can bless others.This doesn’t mean we can’t enjoy God’s blessings, but it does mean that we should view our financial increase as an opportunity to be more generous, not just to accumulate more for ourselves.At the heart of The Treasure Principle is a simple but profound challenge: to see God as our ultimate treasure and money as a tool for His purposes. When we grasp this, it changes everything—how we spend, save, and give.If you haven’t read The Treasure Principle, we highly encourage you to pick up a copy. It’s a quick read but has the power to reshape your financial perspective for eternity.Faithful Steward: FaithFi’s New Quarterly MagazineRandy’s full article, Understanding the Treasure Principle, is featured in the first issue of Faithful Steward, FaithFi’s new quarterly magazine. To receive this issue of the magazine and an issue every quarter, become a monthly partner at $35 a month or $400 a year by going to FaithFi.com/Give. Let’s be faithful stewards together, investing in what truly lasts.On Today’s Program, Rob Answers Listener Questions:I have a friend who's married to an unbeliever, and her spouse sees no value in money beyond spending it. Do you have any advice for how she can make a budget and share it with her spouse so that his eyes might be open to the importance of financial stewardship?Should we tithe on money that we receive from an insurance payout?I have a 401(k) here at work. I'm 67 years old, and I'd like to withdraw money to purchase a car for $25,000 versus taking out a loan and paying interest. Is that something I'm allowed to do, or do I have to talk to the plan administrator? Is it up to the administrator, or is it legal for me to do that?Should my daughter put her maturing CDs into a high-yield money market account instead of rolling them over so the money is more accessible if she needs to buy a car?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornThe Treasure Principle, Revised and Updated: Unlocking the Secret of Joyful Giving by Randy AlcornThe Law of Rewards: Giving What You Can’t Keep to Gain What You Can’t Lose by Randy AlcornWisdom 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.

“Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’ You shall remember the Lord your God, for it is he who gives you power to get wealth…” - Deuteronomy 8:17-18This passage powerfully reminds us that God owns everything, and we are merely stewards of what He has entrusted to us for a season. Today, Cody Hobelman joins us to discuss how you can establish your first financial finish line.Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and is the Chief Business Development Officer at Turning Point Financial. He and his brother Kealan founded the Finish Line Pledge and cohost the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.The Challenge of ProsperityProsperity presents a significant challenge—perhaps more so than hardship. While we live in one of the most prosperous nations in history, this struggle with abundance is not unique to our time.The book of Deuteronomy mentions how the Israelites stood on the edge of the Promised Land after 40 years in the desert. Moses knew that once they entered the land flowing with milk and honey, they would face a new kind of test—not hunger, disease, or war, but the temptation to rely on their own strength rather than God’s provision.Just as the Israelites needed a reminder that all wealth belongs to God, we, too, need to set guardrails against the deceptive power of wealth. One of the most effective tools for doing this is the concept of a financial finish line.Five Approaches to GivingBefore diving into how to set a financial finish line, here are five major approaches to giving:Spontaneous Giving—Giving as needs arise, without much planning.A Giving Goal—Setting a target amount to give annually.Percentage Giving—Committing to give a fixed percentage of income.Incremental Percentage Giving—Increasing the percentage of giving over time.A Financial Finish Line—Setting a cap on personal spending, allowing everything beyond that to be given away.The first four methods focus on how much to give, while the financial finish line flips the paradigm. Instead, it asks, “How much do I truly need?” and commits to giving away the excess.Breaking Down the Financial Finish LineSo, how do you actually set a financial finish line? Financial stewardship can be broken down into four key categories:Personal Spending—Lifestyle expenses (housing, food, transportation, etc.).Taxes—The portion owed to the government.Future Planning—Savings for upcoming expenses, investments, and retirement.Kingdom Building—Everything given to ministry, charity, and impact projects.Since lifestyle spending is the primary determinant of financial behavior, the crucial first step is to cap personal spending.Three Methods to Set a Finish LineHere are three practical approaches to setting your first financial finish line:Maintenance Spending Finish Line—Freezing your current lifestyle spending at a set amount, preventing lifestyle creep as income rises. Benchmark Spending Finish Line—Using census data or external benchmarks to determine a reasonable spending cap based on objective measures. The Finish Line Pledge website offers a calculator to help with this (finishlinepledge.com/calculator). Prioritization Spending Finish Line—Evaluating where your money currently goes, eliminating non-essential expenses, and focusing only on what aligns with God’s priorities for your life.Whichever method you choose, the goal is the same: determine what is “enough” and dedicate the rest to Kingdom impact. This concept is not just for the wealthy. Defining ‘enough’ changes everything; if you never define it, you’ll never reach it.Testing your financial finish line for three to six months. Many who do find it transformative—not just financially, but spiritually. It shifts the mindset from ownership to stewardship, freeing us to see money as a tool for God’s Kingdom rather than a source of security.Next Steps: Where to BeginTo get started:Visit finishlinepledge.com and explore the calculator.Set a trial finish line for 3–6 months.Adjust over time as you refine what “enough” looks like in your life.Discuss this approach with a Kingdom-minded financial advisor, especially a Certified Kingdom Advisor (CKA), who can help integrate this principle into a broader financial plan.Setting a financial finish line is a process, not a one-time decision. It’s a faith journey that requires intentionality, wisdom, and a willingness to surrender financial control to God.If you’re ready to take the next step, check out finishlinepledge.com and consider taking the pledge. It may just transform your relationship with money—and with God.Faithful Steward: FaithFi’s New Quarterly MagazineIf you’d like to explore this idea further, you can read Cody’s full article, “Setting Your First Finish Line,” in the latest edition of Faithful Steward.You can receive this quarterly magazine and help equip believers with biblical financial wisdom by becoming a FaithFi Partner. With a commitment of $35 a month or $400 annually, you’ll support the mission and ministry of FaithFi. Join us today at FaithFi.com/Give. On Today’s Program, Rob Answers Listener Questions:I had a question about credit cards and paying those off. When I pay my credit cards off, my credit score goes way down for some reason, and I don't know if that's going to change as I show a zero balance in the future or what?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineThe Finish Line PledgeWisdom 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.

Many people consider frugality to be a Christian virtue—but is it, really?We often equate frugality with good financial stewardship, but they’re not exactly the same thing. While frugality can be a wise practice, it doesn’t necessarily lead to true peace or biblical financial wisdom. Let’s explore the key differences and signs that frugality might be going too far.What Is Frugality?Frugality is about being careful with resources—spending less than you earn, saving money, and making economical choices. If you or someone in your household is a conscientious penny-pincher, you likely embrace frugality as a lifestyle.Frugality certainly has virtues, such as self-control and patience. Benjamin Franklin’s well-known phrase, “A penny saved is a penny earned,” supports the idea that being financially cautious is a wise practice.At Faith and Finance, we encourage people to:Save for the futurePay down debtsAvoid overspendingHowever, biblical financial stewardship is much bigger than frugality.The Biblical Perspective on StewardshipFrugality alone does not guarantee peace—because, from a biblical perspective, we aren’t the owners of our money or possessions. God is.Psalm 24:1 reminds us:“The earth is the Lord’s, and everything in it.”Recognizing Christ’s Lordship over our finances shifts the focus from simply cutting costs to honoring God with our resources.Jesus teaches in Matthew 6:19-21:“Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven… for where your treasure is, there will your heart be also.”Frugality can help you save money on earth, but eternal rewards come from a different approach—surrendering your finances to God and using them for His purposes.Frugality is a tool, but it must be used in a way that aligns with faithful stewardship. If pursued for its own sake, it can lead to selfishness, greed, and even pride.Signs That Frugality Has Gone Too FarHow do you know when frugality has shifted from wise stewardship to financial foolishness? Here are a few red flags:1. You Spend Hours Each Week Just to Save a Few DollarsDo you spend excessive time clipping coupons, hunting for deals, or driving across town to save a few cents on gas? If frugality has become an obsession, it may be time to reassess how you're using your time.2. You Go Without Essentials Just to Save MoneyAre you skipping necessary expenses—like a bed to sleep on—just because you don’t want to spend money? Being wise with money doesn’t mean depriving yourself of basic needs.3. You Hoard Items Just Because They’re a “Good Deal”Stocking up on necessities is fine, but filling your home with excess items (like a closet overflowing with toothpaste) may indicate a deeper issue—a lack of trust in God’s provision.4. You Compromise Safety for the Sake of Saving MoneyEating expired food, skipping necessary medications, or refusing to fix important home repairs just to save a few dollars can be dangerous. Stewardship includes caring for yourself and your family, not just minimizing costs.5. Frugality Feels Like a Competition or an ObligationDo you stress out over every dollar spent? If spending any money at all causes anxiety, you may be placing too much faith in frugality rather than trusting God to provide.6. You Struggle to Be GenerousIf penny-pinching kills your generosity, that’s a warning sign. Hebrews 13:16 reminds us:“Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God.”True peace comes not from saving every penny but from trusting in God’s provision and using money for His glory.Finding the Right BalanceEvery financial habit stems from an underlying mindset. In many cases, extreme frugality results from a lack of balance.Here’s how to restore a healthy perspective on money:Use your time wisely—Clipping coupons is fine, but not if it consumes hours each week.Prioritize health and well-being—A healthy family is more valuable than a few extra dollars saved.Give generously—God calls us to share, not hoard.Trust God’s provision—Money is a tool, not an idol.As Jesus teaches in Matthew 6:33:“Seek first God’s kingdom and His righteousness, and all these things will be added to you.”When you put God first, true peace isn’t found in penny-pinching but in faithful stewardship and reliance on Him.The Greater Purpose of StewardshipStewardship isn’t just about spending wisely—it’s about using God’s resources for His purposes. Our finances should reflect His kingdom priorities, not just our desire to save money.Ultimately, financial stewardship isn’t about how much we save—it’s about trusting God, managing resources wisely, and giving generously to advance His Kingdom. If your frugality has become a burden, it’s time to release it to God and find true peace in His provision.On Today’s Program, Rob Answers Listener Questions:I'm trying to open a Roth IRA but getting stuck on questions about adding margin, options trading, and enabling advanced trading features. I don't have a 401(k) or pension, but my house is paid off. How can I open a simple Roth IRA without those extra features?I want to buy a brand-new vehicle for my sister and give her either $20,000 or $30,000 to do so. I would like to know if she has to report this gift on her taxes or if I have to report it on my taxes.My mother and uncle recently sold their property in Oklahoma. The paperwork shows that the sale proceeds were distributed to people who are not family members. I'm concerned the property may have been stolen, or the sale mishandled. How can I investigate to see if the funds that should have gone to me and my deceased brother were taken inappropriately?I would like to know when it would be a good investment to upgrade or remodel my home. If the improvements cost around 25% of my retirement investment, would that be a wise use of that money? I would also like to know if investing 25% in the home is a good idea since it could increase its value.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineSchwab Intelligent PortfoliosWisdom 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.

“As iron sharpens iron, so one person sharpens another.” – Proverbs 27:17Despite living in an era of unprecedented wealth, many individuals and families struggle to meet basic needs like food and shelter. Today, Brian Holtz joins us to discuss a new resource aimed at helping communities in need. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A New Focus: Addressing Financial HardshipNavigating financial challenges can be overwhelming, especially for those who struggle to make ends meet. While many financial ministries focus on middle- and upper-income groups, Compass Financial Ministry has taken a bold step to address the needs of those with little to no financial margin. Their latest initiative—Making Ends Meet—is a resource designed to help individuals and families move from financial struggle to stability.Key Takeaways from the ResearchMany of the financial issues we associate with low-income communities aren’t unique to them. The same challenges exist in middle- and upper-income households—they just look different.What are these key financial challenges? Three primary takeaways from Compass’ research are critical for financial health, regardless of income level.1. A Simpler Approach to BudgetingStarting a budget is often the most challenging part of managing finances. That’s why this new resource introduces a simplified spending plan:Step 1: At the beginning of the month, pay all essential bills (giving, rent/mortgage, food, utilities, etc.).Step 2: Transfer savings into a separate account.Step 3: Use the remaining money for non-essentials (entertainment, clothing, eating out, etc.).This method isn’t as precise as traditional budgeting, but it’s better to use an imperfect system than a perfect one that you never implement.2. The Power of an Emergency FundWe all know the importance of emergency savings, but it's even more crucial for those living paycheck to paycheck.Without an emergency fund, individuals often get trapped in a cycle of debt. But with a financial cushion, they can make wise financial choices and avoid unnecessary expenses.3. The Importance of a Support NetworkBuilding a strong financial support system is a crucial yet often overlooked aspect of financial stability, in addition to budgeting and saving.Money is a taboo topic in our society. We’re embarrassed to talk about our struggles, but if we find trusted people to share with before emergencies happen, we create a network we can rely on—and they can rely on us. This network isn’t just for financial help—it also provides emotional support, advice, and practical assistance when life’s unexpected events occur.How You Can Get InvolvedFinancial hardship can feel isolating, but no one has to face it alone. With the right tools, support system, and biblical principles, it is possible to break free from financial struggle and find peace in stewardship.Making Ends Meet is one of the most impactful projects Compass has ever developed. It combines biblical wisdom with practical, step-by-step guidance, helping people transition from struggling to thriving. This resource is perfect for:Small groups at churchesLocal shelters and community centersFamilies and individuals seeking financial stabilityIt’s available in English and Spanish, making it accessible to more communities in need. To learn more, visit Compass Financial Ministry and click on Making Ends Meet.For more financial resources and biblical insights, check out Compass Financial Ministry’s website and start your journey toward financial freedom today.On Today’s Program, Rob Answers Listener Questions:I got behind on some of my bills, and the interest is hurting me. I make about $700 a week, but the high interest rates make it hard to catch up. I contacted a company called National Debt Relief, but I wanted to get a second opinion before jumping into anything. How can I deal with this situation and find a way to lower the interest rates?We inherited land and plan to keep it in the family. Do we need to tithe on the value of the inherited property, even though we haven't realized the increase in cash?I'm 24 and deciding whether to buy a home instead of renting an apartment. I live at my parents' house, but I'd like to know the best steps to take to buy a home.Last year, the FBI warned against using a cell phone number for two-factor authentication because of security vulnerabilities. I ended up losing $5,000 using that method. Can you provide some guidance on how to protect my accounts better?I'm in my 60s and recently got a job that pays over $200,000 a year, much more than I need to live on. I only need about $30,000 to $40,000 per year. I'm unfamiliar with 401(k)s or IRAs, but I want to know how much I could contribute to those types of accounts to put away the excess money I don't need.I contributed $4,000 to my Roth IRA at the beginning of the year. I'm leaving my part-time job and about to retire at 62. What should I do if I've contributed more to the Roth IRA than I've earned in income? Should I withdraw the excess contribution, and are there any penalties I should be aware of?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineCompass Financial MinistryMaking Ends Meet (Compass Financial Ministry Video Study and Workbook)Google Authenticator (Apple | Google Play) | Authy Christian Credit CounselorsWisdom 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.

They’re not listed on stock exchanges, yet private market investing opportunities are becoming increasingly popular.So, just what are private markets? Why would you want to consider making them a part of your portfolio? And how would you go about it? Cole Pearson is here today to break it all down for us.Cole Pearson is the President of Investment Solutions at OneAscent, a family of companies seeking to help people align their investments with their Christian values. OneAscent is also an underwriter of Faith & Finance. What Is Private Market Investing?Private market investing involves putting capital into companies that are privately held rather than those listed on public stock exchanges. Unlike investing in publicly traded firms, private market investments focus on businesses that are in earlier stages of development.You might think of the local hardware store or a manufacturing plant in your area—these are privately held businesses. Private market investing tends to focus on rapidly growing for-profit businesses that can serve as powerful economic engines while also having the potential for positive impact.Investors often hear terms like private equity, venture capital, and private credit when discussing private markets. These investments provide opportunities to support growing businesses while diversifying a portfolio beyond publicly traded stocks.Public vs. Private Markets: Which Is Safer?One common concern is that private markets may be riskier than public investments. Public markets are typically considered safer because of regulatory oversight and greater liquidity. However, all investments involve risk—whether public or private.Private markets offer unique advantages that can complement a traditional portfolio. While they may be less accessible and require a longer-term outlook, they also provide exposure to businesses at earlier stages of growth, offering potential for higher returns.Historically, private markets have been dominated by institutional investors and ultra-high-net-worth individuals. Institutions tend to allocate five times more to private markets than the average retail investor.This is largely due to the potential for higher returns, market inefficiencies, and diversification benefits. In the U.S., there are approximately 4,000 publicly traded companies with over $10 million in revenue—but in the private markets, there are 182,000 companies above that threshold. That means there’s a much larger opportunity set available for investment.The Advantages of Private Market InvestingPrivate market investments offer several key benefits:1. Higher Growth PotentialMany public companies started as private, venture-backed firms. Today, these once-private companies make up nearly 77% of market capitalization and contribute 92% of research and development spending. Private investing allows access to these high-growth firms before they go public.2. DiversificationPrivate investments are less correlated to the stock market, helping investors diversify their portfolios. Their value isn’t directly impacted by daily market fluctuations, reducing exposure to broader economic downturns.3. Direct Positive ImpactUnlike public market investing, where shares are traded between investors, private market investments directly fund businesses. This allows investors to have a greater say in how companies operate and ensure that their investments align with biblical values.One of the most compelling reasons to consider private market investing is the opportunity for faith-based impact. Rapidly growing, for-profit businesses are one of the most powerful engines God has given us to create positive change in the marketplace.Through private investing, believers can support businesses that align with their values—whether that’s ethical business practices, advancing healthcare, or improving infrastructure. Imagine if the leadership of today’s major corporations were faith-driven. By investing in private markets, Christian investors can directly support businesses that promote Kingdom values.Making Private Markets Accessible to Everyday InvestorsOne of the biggest barriers to private investing has been accessibility. Traditionally, high minimum investments and complex paperwork restricted this opportunity to institutional investors. However, interval funds—a relatively new financial vehicle—are changing that.Interval funds function similarly to mutual funds but invest in private equity. They allow for periodic liquidity, making it easier for everyday investors to access private markets with a lower minimum investment.OneAscent recently launched the OneAscent Capital Opportunities Fund (OACOX), a private market interval fund designed for values-based investors. This fund has no accreditation requirements and a minimum investment of just $5,000—making private markets more accessible than ever.How to Get Started with Private Market InvestingIf you’re working with a financial advisor but have never discussed aligning your investments with your values, start the conversation by asking:Do we know what’s inside our current portfolio?Can we evaluate our investments to ensure they align with our faith?Are there opportunities to diversify with private market investments?These simple questions can help guide your financial decisions toward a more faith-based approach.Private market investing presents an exciting opportunity for those looking to diversify their portfolios, support high-growth companies, and make a Kingdom impact. With new financial vehicles like interval funds, this once-exclusive market is now accessible to more investors than ever.If you want to explore faith-aligned private market investing, visit capital.oneascent.com to learn more about One Ascent’s values-based investment solutions.On Today’s Program, Rob Answers Listener Questions:I'm 64 and my wife is 61. We're buying a $230,000 home, but the mortgage company hasn't discussed a down payment or interest rate with us. We have around $300,000 saved up between us. The home is $230,000 plus closing costs, with an interest rate of around 6.75%. I'm not sure what to do here and could use some guidance. What would you recommend?My son has $7,000 that he thought he put into a high-yield savings account, but the bank he used got merged into another bank. Now he's finding the interest rate is only around 0.1%. He wants to pull the money out and put it somewhere else to earn a better interest rate. Where would you recommend he put this $7,000 to earn a good interest rate?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineOneAscentChristian Community Credit Union (CCCU)Bankrate.com 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.

You might be surprised to learn that most Americans are satisfied with their healthcare insurance. But the rest are more than a little dissatisfied.A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons. If you’re in this group, you don’t want to miss today’s show. Lauren Gajdek joins us with details about an efficient, affordable alternative to health insurance.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why Are People Frustrated with Traditional Health Insurance?Healthcare is a significant concern for many families, especially as costs continue to rise. Christian Healthcare Ministries (CHM) offers an alternative rooted in faith and community support for those who feel frustrated with traditional health insurance. Some of the most common frustrations they see are:Complicated Policies—Many insurance plans have intricate rules and coverage limitations, making it difficult to understand what is actually covered. Lack of Pricing Transparency—Patients often have no idea what they are being charged for healthcare services, which leads to higher costs that insurance companies pass along to policyholders. High Deductibles—It's not uncommon to see deductibles of $5,000, $10,000, or even $15,000, leaving families struggling to afford necessary care.At CHM, transparency is a priority. Members clearly understand what will be shared, making healthcare costs more predictable and manageable.A recent Kaiser Family Foundation survey found that most Americans rate their health insurance as "good" or even "excellent." However, people generally seem to be pretty happy with their insurance—if they haven’t had to use it. Many individuals benefit from government subsidies or employer-sponsored plans, but satisfaction drops significantly when it comes time to submit claims and navigate the system. The more people engage with their insurance provider, the more dissatisfied they tend to become.How Does Medical Cost Sharing Work?CHM stands apart as an alternative to health insurance. Since their founding in 1981, they have shared nearly $12 billion in medical bills for its members. People are looking for something that aligns with their faith and upholds their values, and that’s where CHM steps in.With over 40 years of experience, CHM provides a trusted solution for Christians who want a healthcare option that reflects their beliefs.Unlike traditional insurance, CHM is a healthcare cost-sharing ministry. Members are considered self-pay, meaning they pay medical providers directly, but CHM shares 100% of qualifying medical bills based on established guidelines.Key features of CHM include:Flexible Program Options—Monthly contributions range from $98 to $255 per person, allowing families to tailor their plans to their needs and budget. No Network Restrictions—Members can choose their own providers and are not limited to specific hospitals or doctors. Community of Support—Members help bear one another’s burdens, fulfilling a biblical model of care and stewardship.While the concept may initially seem unfamiliar, CHM’s long track record of faithfulness and financial stewardship reassures members that their medical needs will be met.A Faith-Based Healthcare AlternativeFor many believers, CHM has proven to be a perfect fit, providing financial relief and peace of mind. To learn more about how medical cost-sharing could benefit your family, visit chministries.org/faith.If you’ve felt burdened by the complexities of traditional insurance, CHM may be the blessing you’ve been looking for.On Today’s Program, Rob Answers Listener Questions:I'm trying to find out if there is anything available, like a lower-interest loan, to help me pay off my credit card debt. I have about $45,000 in debt, and I'm okay with paying it down, but I'd like to find a lower interest rate than the 14% I'm currently paying.My husband and I are both 77 years old, and I'm totally blind and he has several health problems. We'd like to set up an irrevocable trust to avoid probate when one of us passes away, but we don't have a lot of money. I'm not sure how to go about getting an elder law attorney to help us with this.I'm wondering if I should consider purchasing a long-term care insurance policy. I'm 77 years old, and I know that the majority of Americans over 65 will need some form of long-term care, which can be very expensive. I'm trying to figure out if getting a long-term care policy makes sense for my situation.I'm retiring soon and have a lump sum of money from my company's retirement plan. I don't want to take the lump sum and have 20% withheld in taxes. Instead, I'd like to roll the money over into a CD or similar safe investment where it can grow, but my company doesn't allow that. I'm not comfortable investing in stocks, so I'm looking for a way to keep the money safe and growing.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Healthcare Ministries (CHM)Christian Credit CounselorsBankrate.com 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.