Faith & Finance

“I have no greater joy than to hear that my children are walking in the truth.” - 3 John 1:4In that verse, the Apostle John praises his friend Gaius and other believers for their generosity toward missionaries. As parents, we want our children to be generous toward God’s Kingdom. Dr. Art Rainer joins us today with some steps we can take to grow our kids in generosity.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is also the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money and the Secret Slide Money Club, a book series designed to teach young readers about God’s way of being wise with money. Why Teaching Generosity MattersParenting is a high calling. Everything we say and do influences our children’s lives, shaping their worldview and their relationship with God. Generosity is part of God’s plan for His people, so we must intentionally guide our kids away from selfishness and toward selflessness.But how do we teach children to be generous when human nature tends to favor holding on rather than giving away? It starts with a few key principles.1. Model GratefulnessBefore kids can learn to give, they must first recognize the blessings they’ve received. A heart of gratitude fosters a heart of generosity.Regularly express thankfulness for the resources God has given your family. Teach your children that everything belongs to God—we are simply stewards of His gifts. Share stories of how generosity has impacted your own life and how giving frees us from the grip of money.Gratefulness leads to an open-handed posture toward money and possessions.2. Talk About GenerosityChildren won’t naturally connect giving to their faith unless we explain it to them. Conversations about generosity help shape their understanding of why we give.Explain that we give because God first gave to us (John 3:16). Share personal testimonies of times when generosity blessed others—or when you were blessed by someone else’s generosity. Connect giving to the gospel: Just as God gave us His Son, we reflect His love when we give to others.3. Model Generosity in Everyday LifeKids have a strong radar for hypocrisy. If we talk about generosity but don’t practice it, they’ll notice. That’s why we must demonstrate generosity in tangible ways.Let them see you giving—to your church, to charities, or to people in need. Discuss the needs of others. Ask them, “Have you ever needed help? How did it feel when someone helped you?” Involve them in acts of giving, such as donating food, helping a neighbor, or supporting a ministry.When children witness generosity in action, they begin to understand its value.4. Let Them Earn and GiveFor kids to truly grasp generosity, they need to experience both the sacrifice and joy of giving. One way to do this is by allowing them to earn their own money.Provide opportunities for them to do small jobs or earn an allowance. Encourage them to set aside a portion for giving, just as they do for saving and spending. Let them choose where to give—whether it’s to the church, a missionary, or a local charity.Handling their own money makes giving more meaningful and personal.5. Prioritize Giving to the Local ChurchOne of the best ways to instill a habit of generosity is by encouraging children to give to their church.Introduce them to pastors and missionaries so they can see how their giving impacts the Kingdom. Show them how to give—let them physically place money in the offering plate rather than only giving online. Reinforce that their giving contributes to something much bigger than themselves.6. Encourage Giving with Joy, Not GuiltGiving should be joyful, not forced. Pressuring kids to give out of obligation can lead to resentment rather than a cheerful heart. Instead, celebrate their generosity and show them the blessings that come from giving freely.As 2 Corinthians 9:7 reminds us, “God loves a cheerful giver.”Raising generous children requires intentionality. By modeling gratefulness, discussing generosity, and providing opportunities for them to give, we can help shape their hearts to reflect God’s generosity.Want to dive deeper into this topic? You can read more in Faithful Steward, FaithFi’s brand-new quarterly publication that equips families to align their faith and finances for God’s glory.To start receiving Faithful Steward every quarter, become a FaithFi Partner by giving $35 or more per month or $400 annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox.On Today’s Program, Rob Answers Listener Questions:I have a 401(k) with about $128,000 in it, and I'd like to invest $60,000 into an annuity. The person I talked to said I would get an 8,600-dollar bonus immediately if I invested the $60,000. He also said I could take out 20% of the annuity after two years. What do you think about this annuity option?I am 51 years old. I retire at the end of next year and have a state pension. In addition, I also have some 401ks and 403bs that I've tapped into over the last, you know, 30 years that I've been employed or contributed to. Instead, what do I do with those 401k's and 403B's at that time of retirement?Half of my portfolio is in real estate, and the other half is in stocks. The old advice was to move more into bonds as you get older, but bonds haven't done well lately while the stock market has been incredible. What are your thoughts?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationLook 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 want to give generously to your church, but your non-believing spouse objects. What do you do?We occasionally get that question, and it’s a situation that must be handled with care. If you or someone you know is in that position, don’t miss today’s program, as Ron Blue is here with some sage advice.Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, most notably “Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.”Biblical Principles for Giving in MarriageThere are two key biblical principles to consider when navigating giving disagreements in marriage:Marriage is more important than money. While generosity is an important biblical value, unity in marriage takes precedence. Submission and honor in marriage matter. Ephesians 5:21 reminds us to “submit to one another out of reverence for Christ,” emphasizing mutual respect in financial decisions. Likewise, Matthew 19:6 affirms that a husband and wife “are no longer two, but one flesh. What therefore God has joined together, let not man separate.”Ultimately, financial decisions—including giving—should be made together, with mutual understanding and agreement.Ron’s Personal Story: When His Wife Wanted to TitheRon has firsthand experience with this issue. When his wife, Judy, became a Christian, she wanted to tithe. But at the time, Ron was not a believer and giving was the last thing on his mind.Instead of forcing the issue, Judy decided to remain silent about it for two years. However, she lived a transformed life, which was compelling to Ron. Her quiet witness ultimately softened his heart and led him to faith in Christ.This aligns with the biblical wisdom of 1 Peter 3:1-2, which encourages wives to live in such a way that they may win their husbands to Christ “without a word, by the conduct of their wives, when they see your respectful and pure conduct.”Judy’s patient, godly approach allowed Ron to come to faith in his own time, and ultimately, they found joy in giving together.Building Unity in Giving as a CoupleOnce Ron became a Christian, he and Judy intentionally set aside time to align their financial goals—including giving. Twice a year, they would take a weekend away to pray, discuss their finances, and determine their giving goals.Ron’s perspective on giving is clear:The tithe is a starting point. Giving should go beyond the tithe, as generosity is a way to break the grip of money on our hearts. Giving should be joyful and unified. When spouses give together in agreement, it becomes a source of great joy.As Ron says, “The only way you can break the power of money is to give.”Practical Steps for Couples Navigating Giving DisagreementsIf you and your spouse are struggling to agree on giving, consider these steps:Prioritize your marriage. Remember, God values unity in your relationship more than any specific financial contribution. Listen openly. Take time to truly hear your spouse’s concerns and seek to understand their perspective. Share why giving is important to you. Explain what generosity means to you personally and spiritually. Find a giving framework you both can support. This might mean starting small, gradually increasing giving over time, or designating funds for causes you both agree on.At the end of the day, God doesn’t need our money—He wants our hearts. And He wants our marriages to reflect His love and unity. If you and your spouse are wrestling with this issue, focus first on fostering understanding and alignment. When you give together with a joyful heart, the blessing is even greater.If you’d like to read more on this topic, Ron Blue’s full article on this subject is featured in our new quarterly publication, Faithful Steward. To receive it in your mailbox every quarter, become a FaithFi Partner at $35 a month or $400 annually at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:My husband's business distributing for a bread company has fallen apart. He was forced to resign, and they slandered his name. We only have $300 left and had a small business loan. What should we do?I received a letter in the mail stating that my student loans were put on some kind of permanent disability that I had never applied for. The letter mentioned being affiliated with a teacher, but I'm not a teacher. I don't know if this is a scam or if it's legitimate. What should I do?I'm calling to learn how to help my 20-year-old granddaughter start building credit. She needs to get a credit card and establish a credit history to buy a car in the fall. She works full-time but doesn't have any credit history yet. What's the best way for her to start building credit?I'm 55 years old and plan to retire in about 10 years. I recently filed an insurance claim for roof damage from a hurricane, but the claim was denied. Should I use the money in a money market account to replace the roof, or should I get an equity loan from the bank to pay for it?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationBankrate | NerdWalletAnnualCreditReport.comLook 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 of us are quick to offer help to others but struggle when it comes to asking for help ourselves. Why is that? As Christians, we are known for our generosity and willingness to assist those in need. However, when it’s our turn to seek help, we often hesitate. Let’s explore why that is—and why asking for help is not only okay but also glorifies God.The Reluctance to Ask for HelpChurches frequently establish benevolence funds to support members going through financial hardships. Most of us gladly contribute to these funds, eager to help those in need. But when the tables turn, and we are the ones facing difficulties, we often resist seeking assistance.One common reason is that we don't want to burden others. Many of us would rather go without—sometimes even at the expense of our families—than impose on someone else. However, the Bible challenges this mindset. Galatians 6:2 reminds us to “Bear one another's burdens, and so fulfill the law of Christ.” God's design for us is not self-sufficiency but a supportive Christian community where burdens are shared.Another reason we shy away from asking for help is the fear of appearing weak or vulnerable. We convince ourselves that no one can or wants to help us. Yet, this reluctance can sometimes stem from pride. Proverbs 11:2 warns, “When pride comes, then comes disgrace, but with the humble is wisdom.”Asking for help—especially financial help—requires humility. It can be difficult to admit mistakes or acknowledge needs, but it’s an opportunity for growth. Whether our difficulties arise from poor decisions or unforeseen circumstances, God can use them to shape our character and deepen our dependence on Him.Biblical Examples of Receiving HelpEven the Apostle Paul, a pillar of faith, received financial support for his ministry. In Philippians 4:19, he expresses gratitude, saying, “And this same God who takes care of me will supply all of your needs from his glorious riches, which have been given to us in Christ Jesus.”Furthermore, Jesus Himself accepted help from others. Luke 8:1-3 tells us that Mary Magdalene, Joanna, and Susanna provided financial support for His ministry. If the Son of God was willing to receive help, shouldn't we be willing to do the same?If you find yourself in need, start by sharing your situation with your church community. Even if no one within the church can help directly, they might know someone who can. The Body of Christ is a vast network of believers who are ready and willing to offer support in various ways.Seeking help not only benefits you but also provides others with an opportunity to fulfill their calling to generosity. When we withhold our needs, we deny them the blessing of giving.Asking for Help Glorifies GodThe ultimate reason to ask for help? It glorifies God. In 2 Corinthians 12:9, Paul writes, “For when I am weak, then I am strong.” Acknowledging our weakness allows God’s strength to shine through and reminds us of our dependence on Him.When you pray and ask God for help, He often answers through people and opportunities, not supernatural interventions. 1 John 5:14 assures us that “if we ask anything according to his will, He hears us.”By seeking help, we acknowledge our reliance on God, invite others to be part of His provision, and foster a deeper sense of community and mutual support.If you're facing financial difficulties, don't hesitate to ask for help. Whether it's from your church, a trusted friend, or even a financial advisor, remember that seeking help is not a sign of weakness—it's an act of faith and humility. If you’d like to meet with a Certified Kingdom Advisor (CKA) or a Certified Christian Financial Counselor, you can visit FaithFi.com and click “Find A Professional”. Take that step today. In doing so, you allow others to serve, grow in generosity, and bring glory to God through their kindness and your humility.On Today’s Program, Rob Answers Listener Questions:I'm a bi-vocational pastor with a substantial six-figure income, but I've gotten myself into a situation where I can't give as much as I want to. I see some financial relief coming soon, but I feel stuck and almost hypocritical about it. How can I get my finances in order so I can be the generous giver I want to be?I inherited an IRA from my dad in 2017. Can I keep this inherited IRA, or do I have to do something with it? I've been taking the required minimum distributions (RMDs) each year, but my tax preparer has never said anything about needing to handle this differently. Can I just continue taking the RMDs as I have been?I'm 73 years old and in good health now, but I'm concerned about the future if I need to go to a nursing home. I know they can take everything I have. How can I protect any assets I have, like my home and the $100,000 I have in cash and securities, from the nursing home taking it all?I'm 59 years old and I have everything paid off, a fully funded emergency fund, and I'm contributing to my 401(k). I have about $200,000 that I'd like to invest. I want to be somewhat conservative, but I also don't want to miss out on potential market gains that could be used for the kingdom. What would you recommend I do with this $200,000? Should I look into fixed annuities, crypto, or something else?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What financial lessons can we learn from a tax collector who climbed a tree? Stay tuned and find out.Of course, you know I’m talking about Zacchaeus in Luke 19. That story is filled with important teachings about money, stewardship, and generosity. Dr. Kelly Rush joins us today with some interesting observations about the life of Zacchaeus.Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. The Cultural and Financial Context of ZacchaeusIn first-century Israel, political, social, and religious divides were as prevalent as they are today. Labels like Pharisee, Sadducee, and zealot carried heavy connotations, just as terms like Democrat or Republican do in our culture. Among the most despised figures in Jewish society were the tax collectors, or publicans, who collected tribute for the oppressive Roman Empire.A publican acted as a financial middleman, collecting various taxes such as road tolls, harbor dues, and purchase levies. Chief publicans, like Zacchaeus, oversaw entire regions and often amassed great wealth by overcharging and exploiting their fellow Jews. Essentially, publicans were seen as greedy traitors who profited from an unjust economic system—what we would call white-collar criminals today.Zacchaeus' position as chief publican meant he was not just a participant but a leader in this corrupt system. However, his story took a radical turn when he encountered Jesus.A Life-Changing Encounter with JesusIn Luke 19, Jesus is passing through Jericho, heading to Jerusalem for Passover. Despite being days away from His crucifixion, Jesus takes the time to walk through the town, looking for Zacchaeus.Zacchaeus, unable to see over the crowd because of his short stature, humbles himself by climbing a sycamore tree to catch a glimpse of Jesus. In a moment of divine grace, Jesus stops, looks up, and calls Zacchaeus by name, inviting Himself to his house. This moment showcases a beautiful truth: while Zacchaeus was seeking Jesus, Jesus was already seeking him.The turning point in Zacchaeus' story comes when he joyfully receives Jesus and declares his willingness to make restitution:He pledges to give half of his possessions to the poor. He commits to repaying anyone he has cheated four times the amount—going far beyond the Old Testament requirement of returning stolen goods plus 20% (Leviticus 6).This response highlights a powerful principle: true financial transformation begins with a changed heart. Zacchaeus' generosity wasn't an attempt to earn salvation, but a response to the salvation he had already received.Lessons from Zacchaeus' Financial TestimonyJesus Seeks the Lost, No Matter Their Financial PastZacchaeus' reputation was well known, yet Jesus didn't shy away from him. Instead of condemnation, Jesus offered restoration. No financial mistake is too great for God to redeem. Repentance Leads to ActionZacchaeus' turnaround was immediate and public. He didn't just feel remorse; he acted decisively to make things right. This challenges us to evaluate our own finances and take bold steps toward integrity and generosity. Money Reflects the HeartHow we handle our finances reflects what’s happening inside of us. Zacchaeus' newfound generosity was evidence of his transformed heart. Salvation Precedes StewardshipJesus declared, "Today salvation has come to this house" (Luke 19:9), showing that salvation is a free gift, not a reward for financial generosity. Stewardship is simply our response to God’s grace.Many people struggle with shame over their financial decisions, preferring to keep them hidden from God and others. Zacchaeus, however, openly acknowledged his financial failures and took steps to correct them. His story reminds us that God’s grace covers our past, and He calls us into a new future of faithful stewardship.Zacchaeus' story ends with a bold proclamation: "Look, Lord, here and now I give!" His financial testimony stands as a powerful example of what happens when we allow Jesus to transform not just our hearts, but our wallets as well.Let Zacchaeus' example inspire you to take an honest look at your finances, surrender them to God, and trust Him to guide you in stewardship that honors Him.Faithful Steward: FaithFi’s New Quarterly MagazineYou can read Dr. Kelly Rush’s full article on Zacchaeus in our new quarterly magazine, Faithful Steward. Get your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or more or an annual contribution of $400 or more. Find out more at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:I need to build up my credit score. I'm trying to figure out the best way to do that. I have about $4,000 in credit card debt, and I just had a car accident where my car is not drivable, so I need to buy a new car. I do have a job. What's the best first thing I should do?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsLook 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.

“Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use, it will be measured back to you.” - Luke 6:38Jesus’ words in the Sermon on the Plain are a reminder that we should look for ways to be generous with all aspects of our finances, including investments. Brian Mumbert is here today to share some helpful ideas.Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.Dispelling the Myth: Performance vs. ValuesA common misconception in Faith-Based Investing is that investors must compromise financial performance to adhere to their values. Since the inception of Faith-Based Investing in 1994, the industry has made tremendous strides. What started with limited resources and headwinds has now evolved into a robust market with proven fund management, strong fundamentals, and competitive returns. Today, investors can achieve great risk-adjusted returns while staying true to their faith-based principles.Many investors have questions about whether they should tithe off their investment gains. In Luke 12, Jesus instructs us to store treasures in heaven where they cannot decay or be stolen. Additionally, 2 Corinthians 5:1-2 reminds believers that this world is not our home, and we are merely stewards of God’s resources. Unfortunately, statistics show that the average American earning over $150,000 annually gives only 1.7% of their income, with Christians slightly higher at 2.5%. Tithing on investment gains is an opportunity to demonstrate faithfulness and generosity.Timothy Plan's Commitment to TithingTimothy Plan leads by example, tithing off the revenue it receives from mutual funds. The company sees this as an act of obedience and stewardship, using their resources to support causes that align with their mission. From funding crisis pregnancy centers to promoting faith-based media and supporting biblical entrepreneurs in underprivileged areas, Timothy Plan goes beyond just making money for investors—they are actively contributing to kingdom work.When it comes to deciding where to allocate their charitable contributions, Timothy Plan follows a thoughtful approach. They look at “the other side of the screen,” meaning they support organizations that counteract the very issues they stand against. For example, as a pro-life, pro-family investment firm, they support crisis pregnancy centers and organizations like Movie Guide, which advocate for family-friendly entertainment in Hollywood. Their impact extends locally in Orlando, Florida, and globally across the world.Looking Ahead: What's New at Timothy PlanWith new seasons ahead for the country, faith-based investing remains a powerful tool to influence culture and financial stewardship.For those interested in aligning their investments with their values and making an impact through Faith-Based Investing, Timothy Plan offers a variety of investment options. Visit TimothyPlan.com to explore their offerings and learn more about their mission.On Today’s Program, Rob Answers Listener Questions:What key things should I focus on when looking for a mortgage company to buy a home? I want to put down at least half the purchase price using proceeds from selling two other properties and get a 15-year mortgage at the lowest rate possible. What should I look for when comparing lenders?I have a small architecture business, and my income has fluctuated significantly over the last 3.5 years. My financial advisor has suggested I put my business on the back burner and get a consistent salary job instead to meet my family's budget and pay down debt. How can I be transparent and respectful when communicating to a potential employer that I want a salaried job but also want to keep my business on the side?Is it better for me to continue putting the maximum $200 per month into my retirement IRA, where my employer matches 50%, or should I put that money towards paying off my debt instead? I'm trying to decide whether to focus on maxing out the retirement contributions to take advantage of the employer match or if I should prioritize debt repayment.I'm 12 months away from turning 59 1/2, so I can take retirement withdrawals without penalty. My wife and I have a Roth IRA, and she's also over 55. Would it make sense for me to make $8,000 withdrawals from my 401(k) to max out both of our Roth IRAs for the next 5 years, even though I plan to keep working for 4-5 more years? I'm trying to figure out if that strategy of funding the Roth IRAs makes sense in my situation.I'm looking for resources to find more mortgage lender options besides the one on Bankrate.com. I checked the website of Movement Mortgage, which has a charitable background, but I didn't see anything for the St. Louis area. What other websites or tools can I use to find quality mortgage lenders and compare rates without them pulling a hard credit check that would affect my credit score?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationTimothy PlanMovement MortgageBankrate.com | Lending TreeLook 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 see danger and take refuge, but the simple keep going and pay the penalty.” - Proverbs 22:3That verse is all about how critical it is to look ahead and spot potential problems so you have more time and resources to fix them before they happen. Harlan Accola joins us today to discuss the dangers of keeping mortgage payments into our retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, which is an underwriter of this program. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. The Changing Landscape of Retirement and DebtToday’s retirees face a vastly different financial landscape compared to previous generations. In 2024 alone, 4.2 million people will turn 65, and more than 50% of them are still making mortgage payments—the highest percentage in history. This contrasts sharply with previous generations, where fewer than 5% of retirees carried mortgage debt into retirement.Several factors contribute to this shift:Rising Home Prices: Houses are significantly more expensive than they were decades ago. Longer Mortgage Terms: More retirees are carrying 30-year mortgages well into retirement. Financial Strain: Seniors are balancing mortgage payments with other financial obligations such as healthcare, inflation, and even supporting aging parents or adult children.This financial burden often leads to seniors neglecting their retirement savings, relying on credit cards, and facing increased financial stress.The Hidden Debt Burden Beyond MortgagesIn addition to mortgage payments, credit card debt is at an all-time high among retirees. This generation was the first to widely adopt credit cards, often using them for convenience and rewards. However, unexpected life events—such as health crises, job losses, or the death of a spouse—can quickly turn manageable credit card balances into long-term debt.For retirees struggling with both mortgage and credit card debt, the combination can create a domino effect, draining their financial resources and limiting their options.A Solution: Reverse MortgagesMany seniors with more than 50% home equity have an opportunity to improve their financial situation through a reverse mortgage. This option allows seniors to:Eliminate Mortgage Payments: The biggest monthly expense can be reduced to zero, freeing up cash flow for other essential expenses. Create an Income Stream: If the home is fully or mostly paid off, seniors can tap into their home equity and receive monthly payments, helping them avoid dipping into retirement accounts or relying on credit cards. Preserve Retirement Funds: By utilizing home equity, retirees can avoid withdrawing too much from their investment accounts too early, helping to secure their financial future.The Unique Benefits of Reverse MortgagesUnlike traditional loans, a reverse mortgage is considered non-recourse debt, meaning that seniors will never owe more than the value of their home. This provides a level of financial security, even in the event of a housing market downturn.Reverse mortgages allow seniors to stay in their homes while making payments optional and, in some cases, converting their home equity into a steady source of income—all without financial risk beyond their home's value. By understanding and utilizing the tools available, seniors can achieve greater financial freedom and peace of mind in their retirement years.If you or a loved one are struggling with mortgage payments in retirement, a reverse mortgage with Movement Mortgage may be worth exploring. For more information, visit movement.com/faith to connect with Harlan Accola and explore your options.On Today’s Program, Rob Answers Listener Questions:My husband is retiring at 65, and we're considering whether to start his Social Security now and invest it or wait until 67 or 70 to get a higher monthly benefit. I'm looking for guidance on the best approach.I'm on Social Security disability, and my pastor preaches about tithing the first week's pay as first fruits. I'm nervous about this since I'm living on my disability income. What are your thoughts on how I should approach tithing in this situation?I thought I was leasing a car, but it turns out I'm actually purchasing it. I'm 73 and on Social Security with a part-time job. Would leasing or purchasing a car be the better option for me at this stage?I want to share a testimony about Christian Credit Counselors. I heard your recommendation and registered with them. They were able to help me consolidate my high-interest credit card debt, which improved my credit score. Getting started was a bit bumpy, but I came out way ahead compared to paying all that interest.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationMovement MortgageChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss.It’s true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other’s values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, as well as a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself with her husband, Jeff, and has written several books with him revealing impactful truths about relationships at home and in the workplace.A Lesson Learned Over DinnerShaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal.It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could better communicate and honor each other's perspectives.The Root of Money Conflicts in MarriageFinancial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff’s national study, they found that:67% of couples in financial conflicts believe their perspective is the logical one.Couples often perceive their spouse’s spending habits as irrational simply because they prioritize different things.For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values.The Power of CommunicationThe solution to money conflicts isn’t just budgeting or financial planning; it’s communication. It’s crucial that couples discuss not just what they want to spend money on, but why it matters to them.By having open and honest conversations about financial priorities, couples can:Build mutual understanding and trust.Find compromises that respect both perspectives.Create a financial plan that aligns with their shared goals and values.While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management.Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage.At the heart of every financial decision in marriage lies an opportunity—to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other’s values, couples can turn money from a source of conflict into an instrument of peace and purpose.Faithful Steward: FaithFi’s New Quarterly PublicationTo dive deeper into this topic, read Shaunti Feldhahn’s full article in the first edition of Faithful Steward, FaithFi’s new quarterly publication. Receive your copy delivered to your mailbox every quarter by becoming a FaithFi partner with a monthly gift of $35 or an annual contribution of $400. Learn more at FaithFi.com/give.On Today’s Program, Rob Answers Listener Questions:I'm 65 years old and have a traditional IRA with a little over $1 million. I'm wondering if I should start converting some of that traditional IRA to a Roth IRA since I'll be required to take required minimum distributions (RMDs) when I turn 73.My husband is not a believer and doesn't believe in tithing; he thinks it's a scam. I tithe 10% and save 10%, but he won't give any of his money to the church. How can I help him understand that giving to the church is not a scam and can be a blessing?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationThriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueLook 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.

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children…” But while the Bible emphasizes the importance of leaving an inheritance, it doesn’t provide a step-by-step guide. That’s where careful planning and biblical wisdom come into play. Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs.The Common Approach: Equal DivisionOne of the most common phrases in wills is, “My estate will be divided equally among my children.” This approach seems fair and straightforward, especially when the estate consists entirely of financial assets. However, complications arise when property, such as a home or vacation property, is included.When real estate is left to multiple heirs, they face tough decisions:Joint ownership: Should they retain the property together, splitting the responsibilities and costs?Sell and split proceeds: Should they sell the property and divide the cash?Buy out: Should one or more heirs buy out the others to take full ownership?These decisions can quickly lead to financial and emotional challenges without clear guidance.The Hidden Challenges of Inheriting PropertyLeaving property to multiple heirs often creates unexpected burdens, both financial and emotional.Properties come with ongoing expenses, including:Maintenance costsProperty taxesInsurance premiumsHomeowners association feesWho makes decisions about upkeep? How are expenses divided? And what happens if one heir can’t—or won’t—pay their share? These issues can turn a blessing into a burden.Emotions can also complicate property decisions, especially when tied to childhood memories. Disagreements over minor details—like paint colors or furniture placement—can spiral into larger conflicts. Long-buried resentments may resurface, particularly if one sibling is named executor and perceived as having undue authority.Practical Solutions to Prevent ConflictTo avoid these challenges, consider these strategies:Treat Property Like Any Other AssetMany estate experts recommend stipulating in your will that all property is to be sold, with proceeds divided among heirs. This approach provides clarity and avoids forcing heirs into joint ownership.Allow for FlexibilitySome heirs may wish to “buy out” the others to retain the property. By structuring your will thoughtfully, you can provide this option while ensuring a fair division of the estate.Consider Unique NeedsRon Blue, author of Splitting Heirs, suggests that “if you love your children equally, you will treat them uniquely.” Equal division may not always be the wisest choice. Consider factors like financial need and money management skills when planning your estate.The key to preventing conflict lies in communication. Discuss your estate plans openly with your family so they understand your decisions and the reasoning behind them. This transparency eliminates surprises and fosters unity among your heirs.Seek Professional GuidanceCreating or updating a will is a critical step that requires professional expertise. Work with an estate attorney who shares your Christian worldview to ensure your wishes align with biblical values. Certified Kingdom Advisors are an excellent resource; visit FaithFi.com to find one near you.By planning thoughtfully and communicating clearly, you can leave your children and grandchildren not only a financial inheritance but also a legacy of love and wisdom. Proverbs 13:22 reminds us of the importance of stewardship—not just in what we leave behind but in how we prepare to pass it on.On Today’s Program, Rob Answers Listener Questions:I'm 77, and my husband is 81. The only thing that we have of any value is property. We live on about an acre and a half, and we're in a trailer. We would like to gift this property to our grandson, who is 26. We would like to know the best way to gift it without him being hit with too much of a financial penalty.I'm trying to figure out how capital gains are calculated when I withdraw money from my 401(k), especially since my company stock has appreciated significantly over the years.My daughter's credit score is 625, and she's committed to repairing it. My credit score is over 800, and I've heard you talk about making someone an authorized user on a credit card to help with their score. How does that work, and how would it affect our credit scores?I'm completely lost when it comes to finances. However, I want to set my family up for financial success, so I would like to know if you could point me to a resource that can help me learn what I need to know about finances.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationChristian Credit CounselorsChristian Healthcare Ministries (CHM)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMoney, 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 AlcornLook 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 once said, “The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.” These words remind us that stewardship is not just about money or tithing—it’s about faithfully managing everything God has entrusted to us.As believers, we’re called to be stewards because God created and owns everything. Our role is to manage His resources wisely for His purposes. But how can we know if we’re fulfilling this calling? To guide our journey of faithfulness, let’s explore the seven marks of a good steward.1. Acknowledging God’s OwnershipGood stewards recognize that everything belongs to God, including their resources, skills, and abilities. They understand they’re temporary managers entrusted with God’s gifts for His purposes.Scripture to Reflect On: “You shall remember the Lord your God, for it is he who gives you power to get wealth.” (Deuteronomy 8:18)2. Understanding Their MissionGood stewards grasp the significance of their role in God’s plan. They take their responsibilities seriously but approach them with humility, knowing they’re part of something greater than themselves.Scripture to Reflect On: “Commit your work to the Lord, and your plans will be established.” (Proverbs 16:3)3. Faithfulness in ActionFaithfulness is at the heart of stewardship. This includes following God’s financial principles: earning, saving, investing, and, most importantly, giving. Faithful stewards persevere, trusting that God will honor their obedience.Scripture to Reflect On: “Whoever can be trusted with very little can also be trusted with much.” (Luke 16:10)4. TrustworthinessGood stewards are honest and trustworthy in all they do. Integrity builds a foundation for effective stewardship, honoring God, and earning the trust of others.Scripture to Reflect On: “Moreover, it is required of stewards that they be found faithful.” (1 Corinthians 4:2)5. Diligence in Their WorkStewards are diligent, actively using what God has given them rather than neglecting or mismanaging it. They commit to working as if serving the Lord in all they do.Scripture to Reflect On: “Whatever you do, work heartily, as for the Lord and not for men.” (Colossians 3:23)6. Prayerful DependenceGood stewards seek God’s guidance through prayer, trusting in His wisdom and provision. Prayer frees them from anxiety and anchors them in God’s peace.Scripture to Reflect On: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.” (Philippians 4:6)7. Spirit-Led ActionFinally, good stewards act when the Holy Spirit leads, preparing their minds and hearts for action and living in obedience to God’s will.Scripture to Reflect On: “Preparing your minds for action, and being sober-minded, set your hope fully on the grace that will be brought to you.” (1 Peter 1:13)Dependence on God’s GraceThese seven characteristics set a high standard, reminding us that stewardship is more about faithfulness than perfection. We can’t meet these marks in our own strength. Instead, we depend on God’s grace and the power of the Holy Spirit to walk in obedience.Let’s commit to being faithful stewards, trusting that God will equip us for the journey. As 1 Corinthians 4:2 reminds us, “Those who have been given a trust must prove faithful.” May we glorify God in all we do, managing His gifts with care and purpose.On Today’s Program, Rob Answers Listener Questions:I'm getting ready to start receiving payments from my annuity. I want to give from the annuity, but I would like to know if I would get tax benefits from taking that money out of my annuity and paying it directly to a charity.I'm charged a rider charge on monthly withdrawals from an indexed annuity. Is there any way to avoid that? I have seven more years because it's a 10-year annuity.My daughter and son-in-law have $35,000 in debt, primarily for home repairs and a vehicle. They have a 3.5% mortgage but are being advised to do a cash-out refinance, which would take them to 6.5-7% on the full $155,000. Is there anything else they can do besides this refinance?I'm 74 and still working full-time. My 401(k) has about $500,000 in it, plus a company-funded pension. Should I roll that 401(k) over now or wait until I get close to retirement? I'm considering retiring by the end of next year.My mother is 89 and sold her house for about $300,000. At this stage in her life, how should she invest the money? Should she consider putting some of it into an annuity? I'd like her to have easy access to it.I was raised in a wealthy home, so I never learned proper financial principles. Now, I want to learn how to be financially responsible and properly steward God's provision in my family and business. Do you have any suggestions on how I can get started?I am 52 and retired, and my wife is 62 and retired. We're doing well, but more is always better. Could my wife start claiming my Social Security and spousal benefits now?I was told I might be eligible for my brother's pension. Do you know of a website where I can search for a lost pension?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueMoney, 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 AlcornNational Registry of Unclaimed Retirement BenefitsLook 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.

Sometimes, you have to travel far to learn about things close to home—like your finances.They say that “travel is broadening”—that it expands your horizons and increases your understanding of how things really work. Sharon Epps experienced that recently on the tram in the Netherlands, and today, she’ll share some financial lessons she learned along the way. 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.Faith, Finance, and the TramDuring a recent Christmas visit to The Hague, Sharon enjoyed time with her family and learned valuable lessons riding the Dutch tram system. These lessons beautifully parallel financial wisdom rooted in faith. Let’s explore these five lessons and how they can guide us in making faith-filled financial decisions.1. Plan in AdvanceBefore boarding the tram, you need to purchase a card or use an app like Apple Pay—cash isn’t accepted. If you’re unprepared, you’ll find yourself stuck.Financial Takeaway: Life transitions and financial goals require preparation. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Look ahead and make thoughtful plans for the future.2. Make Decisions Based on PrinciplesInterestingly, there are no instructions on using the card readers. Observing others reveals the steps: scan in when boarding and scan out when exiting. It’s a system based on principles rather than explicit instructions.Financial Takeaway: Life doesn’t come with a step-by-step manual for every situation. However, God’s Word is full of enduring principles. Base your financial decisions on these, rather than rigid rules, to stay aligned with His will.3. Avoid Decision-Making TrapsSharon missed her tram stop because she was looking in the wrong direction. She realized too late that the doors she needed were behind her.Financial Takeaway: Evaluate multiple alternatives before making decisions. Avoid getting stuck with the first option that comes to mind, as it might not be the best one. Broaden your perspective to avoid costly mistakes.4. Seek Godly CounselAfter missing her stop, Sharon was unsure what to do next. A kind pair of Dutch women guided her to the next stop and helped her find her way back.Financial Takeaway: Life is full of unexpected turns. Seeking wisdom from God and godly counselors can help you navigate challenges and make wise choices. Proverbs 15:22 teaches, “Plans fail for lack of counsel, but with many advisers they succeed.”5. Know What You HaveAfter several rides, Sharon realized she needed to check the balance on her tram card and top it up.Financial Takeaway: Just as you must track the balance on your card, you need to know the condition of your financial resources. Proverbs 27:23–24 reminds us, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” Awareness of your financial position is crucial for wise stewardship.Life Moves Fast—Stay PreparedRiding a tram requires quick decision-making—boarding, exiting, and navigating—all while staying prepared for the next leg of the journey. Financial decisions can feel the same way. By applying these five lessons—planning ahead, basing decisions on principles, avoiding traps, seeking counsel, and staying informed—you’ll be better equipped to navigate life’s financial challenges.If we adopt these principles in our financial decision-making, we won’t find ourselves getting off at the wrong stop and scrambling to figure out our way back.On Today’s Program, Rob Answers Listener Questions:I have a seven-and-a-half-year-old granddaughter, and I'd like to know how to begin investing in her college education.Can I roll my TSP over to an IRA? I'm getting ready to retire within the next five years, and I was told that if I did, the amount would be fixed and could only go up. However, I could still keep my TSP open and contribute to it. Would that be a wise move?I had a CD for $10,000 that matured, and I told the bank to reinvest it. It ended up being $10,210. Do I have to pay taxes on the $210 profit when I file my income taxes?I have been steadily losing money in the TCW MetWest Total Return Fund, and I would like to switch to a Timothy Fund. I'm 80 years old, so I want to change it to something that would make me a little money and keep the fees low. Who would I talk to if I wanted advice about which Timothy Plan fund to use?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly PublicationSavingForCollege.comTimothy PlanLook 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.