Faith & Finance

Have you started working on your New Year’s resolutions yet? Are you including your investing decisions in the mix?A New Year always gives you the chance to make improvements, especially with finances. Cole Pearson is here today to talk about starting 2025 strong with values-based investing.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 Values-Based Investing?Values-based investing is the practice of deploying financial resources in a way that aligns with a set of values or convictions, with the expectation of generating a profit. At OneAscent, values not only inspire why we invest but also guide how we invest. For Christians, this perspective is rooted in Psalm 24:1, which states, “The earth is the Lord’s and the fullness thereof.”As stewards of God’s creation, Christians have a responsibility to consider the impact of their investments. Businesses have a powerful influence on the world, and as investors, we should discern whether the companies we support bring harm or blessing to the people and places they touch.Five Steps for Values-Based InvestingHere are five essential steps Christians should consider when making investment decisions. These steps provide a framework for aligning finances with faith and values.1. Milestones: Understanding Your Financial LifeThe first step is identifying what’s happening in your financial life today. Life events—such as marriage, career changes, health issues, or asset purchases—impact your finances and should inform your planning. OneAscent offers a checklist covering key areas like:Marriage & FamilyCareerHealthAssets & LiabilitiesGenerosityClarifying your milestones ensures that your financial decisions are relevant and purposeful.2. Perspectives: Understanding Your Relationship with MoneyEveryday interactions with money—spending, saving, investing, and giving—reveal our natural tendencies. Understanding how God has wired us to relate to money helps foster healthy communication, especially in relationships.For example, your natural tendencies may lean toward saving and investing, while your spouse may lean toward spending and giving. Recognizing these perspectives provides a common language for dialogue and collaboration, setting the stage for the next step.3. Priorities: Identifying What Matters MostIt’s essential to define and prioritize your financial goals. OneAscent uses a fun assessment to help individuals and families identify their top priorities, such as:Leaving a legacyRemoving burdens from familyGiving generouslyDevoting time to loved onesFor families, both spouses complete the assessment individually before working together to identify shared priorities. This clarity creates a strong foundation for future financial decisions.4. Values: Ensuring Your Portfolio Aligns with Your BeliefsStep four focuses on aligning investments with your values. This means identifying companies to avoid if their practices or products cause harm and seeking opportunities to invest in businesses that bless the communities they serve.We are going to be investing somewhere. What types of companies do we want to own? How can we leverage our capital to promote a positive impact? OneAscent’s tools can help you analyze and align your portfolio with your values.5. Generosity: Reflecting God’s CharacterGenerosity is the natural outcome of faithful stewardship. It allows us to reflect God’s generosity by using our resources to address needs and solve problems that God has placed on our hearts. Here are some thought-provoking questions to ask yourself as you reflect on this:How do you approach stewardship intentionally?What does generosity look like for your family?What problems in the world has God called you to address?A Call to Align Your InvestmentsValues-based investing is more than a financial strategy; it’s a way to live out your faith. By following these five steps—Milestones, Perspectives, Priorities, Values, and Generosity—you can ensure your financial decisions honor God and bless others.For more information on values-based investing, visit OneAscent.com and click “Analyze My Investments.”On Today’s Program, Rob Answers Listener Questions:I just started a new job. I'm 55 years old, and my company is finally offering a 401(k) match with different investment tiers to choose from—conservative, moderate, and aggressive. As a 55-year-old woman, what investment tier should I choose for my 401(k)?When a married couple invests in a car, is it better to put the loan in one person's name or both people's names? And why would that be the better approach?Resources Mentioned:OneAscentLook 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.

Hey, open enrollment ends in just a few days—have you decided on a new health insurance plan yet? If not, you might not have to. What if there was another way—a biblical solution for meeting your healthcare costs? Let’s explore medical cost sharing, a faith-based alternative to traditional health insurance that could save you hundreds of dollars a month.What Is Medical Cost Sharing?Medical cost sharing is a cooperative approach to healthcare expenses rooted in biblical principles. It’s an alternative to traditional health insurance in which members share each other's medical costs. The concept is inspired by Galatians 6:2, “Bear one another's burdens, and so fulfill the law of Christ.”One of the pioneers in this space is Christian Healthcare Ministries (CHM), the oldest organization in the medical cost-sharing space. Since 1981, CHM has enabled members to share nearly $11 billion in medical expenses. It’s a nonprofit organization that operates on biblical stewardship, focusing on members’ needs rather than profits.How Does Medical Cost Sharing Work?Instead of paying insurance premiums, members contribute a monthly share amount based on the plan they choose. This amount is typically much lower than traditional insurance premiums. Here’s why:Self-Pay Model: CHM members are considered “self-pay” by healthcare providers, which often reduces costs significantly.Reimbursement System: Members submit bills for covered medical services and are reimbursed from the shared pool of funds.For example, under CHM’s Bronze plan, the highest annual personal responsibility cost is $6,000 per person—a potentially lower-cost option compared to the high deductibles and out-of-pocket maximums of many insurance plans in the Affordable Care Act (ACA) Marketplace.Key Advantages of Medical Cost-Sharing1. Cost SavingsCHM’s nonprofit model focuses on its members rather than shareholders, allowing more resources to be allocated toward medical needs. This often makes it a more affordable option compared to traditional health insurance.2. Freedom of ChoiceUnlike traditional insurance, which often restricts members to a network of providers, medical cost-sharing has no networks. Members can visit any doctor or facility of their choice, and if the service is covered, they’ll be reimbursed.3. PortabilityMedical cost sharing is portable, meaning your membership stays with you regardless of job changes or life transitions. Whether you’re starting your own business or switching careers, you don’t lose coverage.4. Community and PrayerBy joining CHM, you become part of a community of believers who support each other through prayer and encouragement. CHM’s customer support team often prays with members, offering compassion and spiritual support during difficult times.5. Lower Overhead and Greater ControlCHM’s lower administrative costs translate into lower costs for members. Additionally, with no insurance company acting as a middleman, members work directly with medical providers to set up treatment plans and payment arrangements.Why Consider Medical Cost Sharing?Health insurance companies can be a blessing, especially for catastrophic illnesses, but they’re also large bureaucracies heavily regulated by the government. Medical cost sharing avoids many of these challenges, offering a simpler, more faith-focused approach to healthcare.If you’ve already signed up for health insurance for 2025 but are now considering medical cost sharing, you may still be able to cancel your insurance without penalty.To explore how medical cost sharing can be a biblical solution to healthcare costs, visit CHMinistries.org. You’ll find detailed information about plans, benefits, and how to join this faith-based community. Don’t miss this opportunity to align your healthcare decisions with your values.On Today’s Program, Rob Answers Listener Questions:My husband and I are purchasing term life insurance, and the question has come up—do we make each other the primary beneficiary, with our children as the contingent beneficiaries? We have a blended family, and three of our kids are already grown; two are married, while three are still in the house and getting ready to launch into the world as teenagers.I want some information on savings bonds. I have been to my bank and called my credit union, but neither one deals in savings bonds. I've got a grandson who's turning one, and I thought that might be a good birthday present for him in the future. But I just don't know where to go or what to do to purchase savings bonds for him.We recently sold our house for a good profit, and we're wondering how to tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and interest we paid?I have a 401(k), and I'd like to know how I can invest according to my values and the available options. The only options seem to be big companies that I'd rather not invest in. Do you have any suggestions?I was thinking of buying these two single-family homes. They're both $150,000 each. I have a property that's worth about $800,000. What are the implications of selling the multi-level property and buying the two single-family homes? Is there something I need to know besides the standard closing costs? The multi-level property is mortgage-free, with nothing owed on it.I bought a car years ago. I still owe about $5,500 on it, with a minimum monthly payment of $185. However, the car is starting to nickel and dime me on the cost of maintenance. The bank owns the title. What are my options here?Resources Mentioned:Christian Healthcare Ministries (CHM)SavingForCollege.comTreasuryDirect.govLook 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.

In Mark 10:7, Jesus tells us, “A man shall leave his father and mother and hold fast to his wife, and the two shall become one flesh.” But does “becoming one” extend to the checkbook? Should husbands and wives have joint or separate bank accounts? Let’s explore this question and see if the Bible says anything about it. What Does the Bible Say About Joint Finances?The Bible doesn’t specifically address joint or separate bank accounts, as their banking looked much different than our modern system today. However, Scripture provides timeless principles that guide financial unity in marriage:1. Marriage Is About OnenessIn Mark 10, Jesus emphasizes that marriage involves two becoming one. While spouses remain individuals, marriage is a partnership requiring trust, openness, and communication—qualities that are essential for managing finances together.2. Promote Transparency and TrustJoint accounts can foster financial transparency and eliminate the temptation for hidden spending. They encourage couples to avoid a “mine” and “yours” mentality, aligning with the biblical principle of unity.3. Avoid Division in Financial ManagementSeparate accounts can complicate money management. For example, you might face cash flow issues if one account is short while the other has surplus funds. Joint accounts simplify tracking expenses and meeting obligations, reducing potential stress.Why Financial Unity MattersSome couples argue that one spouse might handle the grocery budget while the other manages larger financial decisions through separate accounts. However, this approach can lead to problems:Lack of Awareness: One spouse may remain uninformed about the family’s overall financial health, creating difficulties if something happens to the other. Missed Communication Opportunities: Regular money conversations build mutual understanding and accountability, ensuring both spouses are on the same page.Scripture underscores the importance of unity in decision-making. Amos 3:3 asks, “Do two walk together unless they have agreed to do so?” Financial unity reflects God’s design for marriage as a partnership built on trust and shared goals.Practical Steps for Financial UnityIf you’re transitioning to joint accounts or considering how to manage money as a couple better, here are some tips:1. Start a Monthly Money DateSet aside time to review your budget, discuss goals, and address concerns. These “money dates” keep communication open and help you align your priorities.2. Build an Emergency Fund TogetherA shared emergency fund protects your family from financial shocks and reinforces your commitment to mutual goals. Aim for three to six months’ worth of expenses.3. Use Tools to Simplify BudgetingTools like the FaithFi App can help couples manage finances collaboratively, offering transparency and clarity about income, spending, and saving.Biblical Wisdom for Financial OnenessGod’s Word offers timeless wisdom for every aspect of marriage, including finances. Ephesians 5:21 instructs, “Submit to one another out of reverence for Christ.” This mutual submission applies to all areas of marriage, including how you manage God’s resources.By embracing financial unity, couples reflect the oneness God intends for marriage. Whether through joint accounts, frequent money conversations, or shared goals, striving for unity in finances strengthens both your marriage and your walk with Christ.As you consider whether to have joint or separate bank accounts, remember that the goal is unity—not just in finances but in every area of your marriage. Take time to pray, communicate openly, and align your financial decisions with biblical principles. Together, you can honor God and steward His resources wisely.On Today’s Program, Rob Answers Listener Questions:I've been paying about $100 monthly for life insurance for a few years. Is it really necessary? What's the benefit of it?I appreciate your show and advice on Certified Kingdom Advisors (CKAs). Thanks to a CKA, I could retire at 54 and work full-time for a ministry that I am very passionate about. They did more for me than any other financial professionals. Your advice on CKAs is something listeners need to take seriously.I'm struggling to make up the money I lost during the three months I had to take off work due to some severe health issues I was dealing with back in April. I know that money is gone, and I won't be able to make it up, even with overtime. I'm having difficulty accepting that and moving forward, even though God provided for us during that time, and we didn't miss any payments.We have an investment property that we've paid off completely. We're both 55 years old and debating whether to keep or sell the property and roll the proceeds into a retirement plan since that's all we have for our retirement. Can we roll over the investment property into a retirement plan to avoid taxes?Resources Mentioned: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.

"From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked." - Luke 12:48When the housing market collapsed in 2008, more than 10 million Americans experienced crashing home values and foreclosures. But out of that financial chaos, a new company arose with a mission to do things differently. Harlan Accola joins us today to talk about it.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. A Vision Born in CrisisMovement Mortgage stands out in the world of residential lending for more than its exceptional service. Founded during the tumultuous 2008 housing crisis, this company has defied the odds, growing into one of the largest mortgage providers in the nation. With financial institutions collapsing and the housing market in turmoil, Casey Crawford, a former NFL player, saw an opportunity to do things differently. Together with mentor Toby Harris, Casey envisioned a company that would not only provide world-class mortgage services but also glorify God and give back to communities. This bold vision became the bedrock of Movement Mortgage.Faith at the CoreCasey Crawford’s faith played a pivotal role in shaping the mission of Movement Mortgage. Having witnessed poverty and systemic challenges across the nation, Casey felt called to address the needs of the disadvantaged. Inspired by the legacy of Christians historically building hospitals and schools, he sought to create a company that would embody these values in modern times. Movement Mortgage was designed to be more than a business—it was a vehicle to serve “the least of these” and bring hope to struggling communities.Innovative Programs with PurposeFrom the beginning, Movement Mortgage has been about more than profits:Love Works Program: Employees contribute to a fund to assist colleagues in times of need, fostering a culture of mutual support. Grace Works Grants: These grants provide resources to hundreds of organizations nationwide, impacting local communities directly.Despite its unique mission, Movement’s success is rooted in its ability to deliver exceptional service. By prioritizing faster, better, and more efficient mortgage processes, Movement has earned trust and loyalty from clients and industry professionals alike. This commitment to excellence has attracted top talent and allowed the company to thrive.Transforming Lives Through the Movement FoundationCentral to Movement’s impact is the Movement Foundation, which channels 50% of the company’s profits into charitable initiatives. This unprecedented commitment has resulted in $377 million given to transformative causes worldwide. Some key initiatives include:Movement Schools: Seven charter schools in underserved areas provide free, high-quality education. These schools aim to break cycles of poverty by equipping children and families with resources for success. Disaster Relief: Whether it’s distributing water to homeless populations during heatwaves or aiding hurricane recovery efforts, Movement responds to crises with compassion and action. Global Outreach: From clean water projects in Uganda to combating sex trafficking in Thailand, the Movement Foundation’s global reach demonstrates its commitment to being the hands and feet of Jesus.Movement Mortgage’s impact extends beyond financial transactions. Employees are encouraged to participate in vision trips and engage with the communities they serve. These experiences not only foster personal growth but also bring tangible hope to those in need. By aligning profits with purpose, Movement has cultivated a team united by a shared mission.Why Movement Mortgage?Choosing Movement Mortgage means more than securing a home loan. It’s an opportunity to contribute to life-changing work, both locally and globally. Each mortgage funds efforts to combat poverty, provide education, and restore dignity to vulnerable populations.Movement Mortgage embodies the idea that business can be a force for good. With its unwavering commitment to excellence and dedication to advancing God’s Kingdom, Movement is redefining what it means to lead with faith in the marketplace.To discover how Movement Mortgage can serve your home financing needs while supporting impactful initiatives, visit movement.com/faith.On Today’s Program, Rob Answers Listener Questions:I'm 61 years old and currently drive about a 2-hour round-trip to work. We will sell our house and move closer to work, church, and the grandkids. Would it make more sense for us to purchase another home or maybe just rent instead?I have a $250,000 settlement coming in, and I understand I need to speak to a Certified Kingdom Advisor (CKA). But in the short term, besides my giving to the church, where should I park that money to try to get some short-term gains?Resources Mentioned:Movement MortgageMovement SchoolsMovement FoundationBankrate.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.

“A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous.” - Proverbs 13:22God’s Word is clear that faithful stewards should leave an inheritance for future generations. That inheritance doesn’t have to be money. Passing along biblical principles such as generosity to grandkids, well, that’s priceless. Ron Blue joins us to talk about it.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives.More Than Money: The Heart of GenerosityGrandparents have a unique opportunity to model and teach generosity to their grandchildren. Generosity is about much more than giving money. Money is just a tool we can use to bless others and make the world a better place.When taught early, generosity can break the grip of materialism and shape how children view and manage money for a lifetime. By demonstrating that financial success involves not just acquiring wealth but sharing it, grandparents can instill values that reflect God’s Kingdom.Starting the ConversationThe best way to teach generosity is to connect it to core Christian values like love, stewardship, compassion, and service. Ron Blue suggests beginning with young grandchildren by reading Christian children’s books that highlight stories of generosity.From there, move to practical activities:Set aside money to give to the grandchildren, and let them choose the charity.Engage in community service together, such as volunteering at a soup kitchen or helping a neighbor in need.Discuss how giving often involves sacrifice, such as donating toys to children in homeless shelters. Experiencing the joy of giving firsthand can leave a lasting impression.These activities help children see that generosity isn’t just a concept—it’s an actionable way to reflect Christ’s love.Generosity in Everyday LifeGrandparents can incorporate lessons about generosity into everyday life by encouraging grandchildren to:Donate part of their birthday or allowance money to a cause they care about.Participate in family conversations about budgeting for spending, saving, and giving.Volunteer for local community projects together.These experiences not only teach the importance of generosity but also demonstrate that giving is a planned and intentional part of the Christian walk.Generosity and Legacy PlanningMany grandparents focus on leaving a financial legacy, but weaving generosity into their estate planning is even more critical. Some ways to do this include:Allocating part of their estate for charitable giving.Setting up a Giving Fund through organizations like the National Christian Foundation and involving grandchildren in decisions about where the funds should go.These steps ensure that generosity remains a central value in the family’s legacy.The Long-Term ImpactTeaching grandchildren about generosity has profound long-term effects. It helps them avoid the chains of materialism and be more faithful stewards of God’s resources. By modeling and encouraging generosity, grandparents can leave a lasting legacy that impacts their family and furthers God’s Kingdom.Grandparents, you have an incredible role to play in shaping your grandchildren’s values and faith. Start small, be intentional, and watch as your legacy of generosity grows in the hearts of your family.On Today’s Program, Rob Answers Listener Questions:I have a 403(b) that's earning 3% interest. I'm 72 and will soon need to start taking the required minimum distributions. Since I have yet to pay taxes on this money, what's the best way to handle the withdrawals to minimize the taxation? Should I put it in a savings account or roll it into an IRA?I have a double-wide manufactured home with a 9.4% interest rate mortgage. How can I upgrade the house to increase its value and get a lower interest rate through refinancing? We're living paycheck-to-paycheck with no savings.I've been a Christian for 40 years, and my wife and I have always tithed, even when money was tight. In the last couple of years, God has provided an income stream we never thought possible, proving His faithfulness to us. We now have resources we never dreamed of having.Resources Mentioned:Samaritan’s Purse: Operation Christmas ChildLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9That verse is among the most cited on the subject of generosity…and for good reason. It links generosity with the Gospel. Dr. Nathan Harris joins us to make that connection even stronger.Dr. Nathan Harris is Vice President for Strategic Initiatives at the University of Mobile in Mobile, Alabama. He is also the author of A Short Guide to Gospel Generosity: Giving as an Act of Grace.What Is Gospel Generosity?Gospel generosity is giving rooted in the good news of salvation through Jesus Christ. Generosity is not merely a virtue for the Christian life but a cheerful disposition that springs forth from the gospel. This kind of generosity arises from new life in Christ, is empowered by the Holy Spirit, and reflects the Father’s model of grace throughout creation.At its core, gospel generosity isn’t just about giving—it’s about proclaiming and portraying Christ’s saving work in our lives. It signifies a radical transformation of a believer’s heart and mind, leading to joyful stewardship of resources in service to God’s kingdom.Beyond the Tithe: A Higher CallingOne of the most debated topics surrounding generosity is the concept of tithing. Are Christians called to tithe, or is there a greater expectation?While tithing—giving 10%—is not explicitly required for Christians, the gospel calls us to something far greater. We aren’t obligated to give; instead, Christians have an incredible gospel opportunity. We are called to live generously, humbly, selflessly, and with the kingdom of God in mind.This perspective reframes giving not as a rule to follow but as an act of grace and worship, rooted in gratitude for what Christ has done.How the Gospel Transforms Our View of MoneyThe gospel transforms our hearts and minds and revolutionizes how we approach money and stewardship. Martin Luther once said:“There are three conversions in one’s life—the conversion of the heart, the mind, and the pocketbook.”When we encounter Christ, our hearts are filled with affection for Him, and our minds are set on heavenly things. However, many Christians struggle to surrender their finances to God fully. You can’t hold on to Christ while also holding on to your money.A heart transformed by the gospel desires to honor Christ above wealth. A mind renewed by the gospel prioritizes kingdom values over worldly ones. This transformation shapes every aspect of our financial lives, from earning and saving to spending and giving.Living as Stewards of God’s ResourcesWhen our hearts and minds are fully surrendered to Christ, our finances naturally follow. Giving becomes not just an obligation but an act of worship and a reflection of the gospel’s transforming power.To explore these ideas further, check out Dr. Nathan Harris’s book, A Short Guide to Gospel Generosity: Giving as an Act of Grace. This concise guide offers biblical wisdom and practical insights into living a life of joyful, gospel-rooted generosity.On Today’s Program, Rob Answers Listener Questions:When I went to the bank, they offered me a HELOC (home equity line of credit) with no fees. I don't need it, but I noticed that the credit score they pulled for me was significantly different from the score I see when I check my credit reports online. Why is there such a big difference between the score the bank pulled and the scores I see from consumer credit reporting services?I have about four years left on a 2.9% mortgage with $17,000 remaining. Should I sell some of my gold, which is currently valued at around $2,700 per ounce, to pay off the mortgage entirely and become debt-free? What do you think about that?I used to be into partying and drugs, even selling drugs, which landed me in prison. On September 10, 2021, I gave my life to Jesus Christ, and now I’m clean, sober, and working to rebuild my finances. I have some debts in collections, including a repossessed auto loan, medical bills, and an overdraft. I’m unsure of the exact amounts, but I want to consolidate and start paying them off to honor those debts and move forward. What’s the best way to start?I've received calls from my current lender and others about refinancing my mortgage. Last month, I tried applying at a different bank, but they said my credit score needed to be higher. My current interest rate is 7.25%. What are your thoughts on whether I should refinance or wait until my credit score improves?Resources Mentioned:A Short Guide to Gospel Generosity: Giving as an Act of Grace by Dr. Nathan HarrisChristian 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.

Did you know that as a believer in Jesus, you already have what it takes to make wise financial decisions? The Bible tells us that Christians “have the mind of Christ.” But what does this mean for managing money and possessions? Let’s explore how adopting Jesus’ perspective can transform our financial decisions and bring us closer to God’s purpose for our lives.Understanding the Mind of ChristHaving the mind of Christ means seeing the world—and our finances—through Jesus’ perspective. As Christians, we aim to serve, think, and love like Him in every area of life, including how we handle money. One practical way to apply this is by asking, “What would Jesus do in this financial situation?”The Bible emphasizes the vastness of God’s wisdom. Isaiah 40:13 reminds us of His unmatched understanding:“Who can fathom the Spirit of the Lord or instruct the Lord as his counselor?”Yet in 1 Corinthians 2:16, Paul tells us something remarkable:“But we have the mind of Christ.”Through Jesus, we’re no longer limited to worldly thinking. Instead, we’re empowered to manage our resources with godly wisdom, aligning our financial decisions with His eternal purposes.Bridging the Gap: Jesus as Our GuideSo, how do we gain this wisdom? The answer lies in Jesus, who bridges the gap between our limited understanding and God’s perfect knowledge. Jesus came to restore us to God and bring clarity to the confusion caused by sin.When we follow Jesus and rely on the Holy Spirit, we gain a clearer understanding of God’s plan for our lives—including how to steward our money. This perspective frees us from the worldly mindset that often prioritizes wealth and possessions over faith and trust in God.It’s easy to slip back into managing money with a “worldly mind,” focusing on solving problems or planning for the future without seeking God’s perspective. When we separate our finances from our faith, we risk missing the opportunity to honor God in this crucial area of life.God cares about every part of our lives, including how we earn, spend, save, and give. He invites us to trust Him fully and integrate our financial decisions into our relationship with Him.Growing in Relationship with GodTo embrace the mind of Christ, we must deepen our relationship with God. In John 14:11, Jesus said:“I am in the Father, and the Father is in me.”Jesus modeled reliance on God’s wisdom and strength, and the same is true for us. Drawing closer to Him gives us the guidance and resilience needed to make godly financial decisions.This doesn’t mean financial challenges will disappear, but it does mean we’re not alone. God is actively working in and through us. As 2 Corinthians 10:5 reminds us:“We demolish arguments and every pretension that sets itself up against the knowledge of God, and we take captive every thought to make it obedient to Christ.”Living with the Mind of Christ in FinancesWhat does it look like to manage finances with the mind of Christ? Here are three key principles:Align Your Attitudes and Actions with Christ—Seek to honor God in every financial decision.Rely on God’s Strength—Trust His guidance when faced with financial challenges or temptations.Resist Worldly Influences—Stand firm against cultural pressures that prioritize money over faith.Grace in the JourneyNone of us will get it right every time. Mistakes and setbacks are part of the journey. But the good news is that God’s grace is sufficient. As 1 John 1:9 assures us:“If we confess our sins, he is faithful and just and will forgive us our sins and purify us from all unrighteousness.”When we stumble, let it be an opportunity to draw closer to God and realign our finances with His will. Remember, you have the mind of Christ. This truth empowers you to reject the world’s approach to money and manage your resources in ways that honor Him.Having the mind of Christ in your finances means trusting God’s wisdom and provision in every decision. By seeking His guidance, we can manage money with faith, purpose, and confidence. Let this truth encourage you to view your finances not as a separate part of your life but as an integral way to glorify God.On Today’s Program, Rob Answers Listener Questions:My husband and I had about $40,000 in credit card debt a few years ago and barely got by. I heard about Christian Credit Counselors on the radio, so I called. They were able to lower our $1,600 monthly credit card payments down to $925. We then used some money from my mother's passing to pay it off early, and we are now completely debt-free. It feels incredible to be debt-free. I would encourage anyone in a similar situation to call Christian Credit Counselors—they were very helpful in lowering our payments so we could pay them off.I've been trying to pay off about $50,000 in student loan debt. I've heard that after 20 years, they'll review the debt and potentially forgive the remaining balance. Is that true? Also, I consider myself a generous giver, donating weekly to various organizations. Should I reduce my giving to pay off the student loans faster? I'm struggling to balance being generous and paying down this debt.My husband and I are selling a cabin and a pontoon boat. I'm assuming we should tithe on the proceeds from those sales. Is that correct? Also, if I need to tithe on the sale, should I give that 10% to my church specifically, or can I split it up and give it to other organizations, like pro-life groups or ministries like yours?My credit score was 768, but it recently dropped significantly. I didn't see any new credit applications or late payments on my report, but I think some credit card companies may have been making inquiries. How can I investigate the reason for the drop? Is there a way to stop credit card companies from making these inquiries if that's the cause?Resources Mentioned:Christian 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.

In Matthew 6, Jesus tells us how we should pray and how not to… “…do not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words.”Of course, Jesus then gives us the Lord’s Prayer as an example of how we should bring our needs to God. But are we skimming over part of it?A Prayer of DependenceIn our world of abundance, it’s easy to forget that everything we have comes from God. From food and water to shelter and income, every provision is a gift from Him. Yet, we often assume that our efforts alone secure these blessings.Jesus teaches us to approach God with a heart of dependence, recognizing that even our ability to work and earn is from Him. This mindset shifts us away from self-sufficiency, reminding us to humbly rely on God for all our needs—physical, emotional, and spiritual.Lessons from a World of ScarcityIn Jesus’ time, food security was uncertain, and people truly depended on God for their daily sustenance. Today, in a world of convenience and plenty, it’s easy to overlook the relevance of this prayer.But the essence of “daily bread” is timeless:It guards us against the pride of self-sufficiency.It combats the illusion that wealth or possessions can provide ultimate security.It redirects our trust from material abundance to God’s provision.In a culture that prizes wealth and possessions, praying for daily bread helps us resist the pull of materialism. Jesus warns against relying on earthly treasures and calls us to place our trust in Him instead.This prayer serves as a safeguard, reminding us that:God is our true provider.Our security lies in Him, not in material goods.God’s Promise to ProvideJesus doesn’t just teach us to ask for daily provision; He reassures us of God’s care. In Matthew 6:33, He says:“Seek first the kingdom of God and His righteousness, and all these things will be added to you.”Our deepest need isn’t for bread, money, or possessions—it’s for God Himself. When we prioritize Him, He promises to meet our needs according to His perfect wisdom.Living the PrayerHow can we make “give us this day our daily bread” more than just words?Pray with Gratitude: Start each day by thanking God for His provision. Gratitude keeps us grounded and aware of His hand in every blessing.Acknowledge Your Dependence: Bring your needs to God, trusting Him to provide. Recognize that He alone sustains you, regardless of your circumstances.Seek God First: Focus on your relationship with God, placing Him above material pursuits. Trust that He will provide all you need.A Transformative PerspectiveThis line of the Lord’s Prayer is more than a request for sustenance—it’s a call to humility, gratitude, and faith. By praying earnestly for our daily bread, we affirm our dependence on God and realign our priorities with His kingdom.As you reflect on this prayer, consider your needs today. Bring them to God with trust, knowing that He cares for you and will meet your needs in His perfect timing. Whatever you’re facing—financial challenges, relational struggles, or uncertainty—God is your ultimate provider.Let’s approach Him daily with hearts full of gratitude and faith, thanking Him for His unwavering provision and grace.On Today’s Program, Rob Answers Listener Questions:I recently learned that since I'm 55 or older, I can withdraw money from my 401(k) without penalty. My husband suggested using $15,000 from that to cover the home repairs we need. I'm hesitant to take money from my retirement, but we need to replace the furnace and AC. Should I withdraw the $15,000 or look at other options, like a home equity loan?I have about $70,000 invested in a CD, earning around 5.5% interest. My broker tells me that's not a good option anymore since interest rates have fallen. He's offered me a 3-year fixed annuity option that would give me a 5.4% return. What are your thoughts on making that switch to the fixed annuity?My husband and I have a $15,000 credit card balance with 11% interest. We've been paying $2,000 per month, but the balance keeps going back up because we've been putting some of our daughter's expenses in London on the card. How can we effectively pay off this debt?Resources Mentioned: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.

Thanksgiving is more than just a feast—it's a celebration rooted in faith, courage, and sacrifice. The Pilgrims' journey and pursuit of religious freedom have shaped American heritage and continue to inspire gratitude.The Pilgrims, also known as Separatists, broke away from the Church of England, believing it had strayed from biblical teaching. In contrast, the Puritans, or Non-Separatists, sought to reform the church from within. While the Puritans aimed to purify, the Pilgrims chose complete separation, making their journey to the New World a bold stand for freedom of worship.Fleeing Persecution and Seeking FreedomPersecuted in England for their independent worship and devotion to the Bible as their final authority, the Pilgrims fled to Leiden, Holland, in 1609. However, challenges persisted, and they realized their dream of true freedom required a journey to the New World.In 1620, about 120 men, women, and children boarded the Mayflower, enduring a treacherous Atlantic voyage to establish a new life where they could live and worship freely. While some passengers were adventurers seeking financial opportunities, the Pilgrims were primarily driven by their faith.The Pilgrims arrived in November, too late to plant crops. The harsh winter of 1620-1621 became known as the "starving time," where disease and famine claimed nearly half their group. Despite these hardships, they forged a friendship with Native Americans in the area, particularly Squanto, who proved instrumental in their survival.Squanto, who had previously learned English, taught the Pilgrims vital skills like planting corn and fishing. With his help, they planted crops in the Spring of 1621 and reaped a modest but life-saving harvest that fall.The First Thanksgiving: A Celebration of Faith and FriendshipThe Pilgrims hosted a feast in the fall of 1621 to honor God's provision. They invited their Native American neighbors, nearly doubling the gathering’s size. Together, they celebrated survival, provision, and friendship—one of the first potluck-style gatherings in America.By that time, only 22 men, four married women, and 25 children and teenagers from the original group had survived. Their resilience and gratitude set the foundation for the Thanksgiving tradition we celebrate today.A Legacy of Faith and GratitudeWilliam Bradford, the long-serving governor of Plymouth Colony, reflected on the Pilgrims’ journey in his book Of Plymouth Plantation. Quoting Hebrews 11:13-16, he described their faith:“They admitted they were foreigners and strangers on Earth… longing for a better country—a heavenly one. Therefore, God is not ashamed to be called their God, for he has prepared a city for them.”For the Pilgrims, their true home was with God, and their journey was a testament to enduring faith. This Thanksgiving, let’s remember the Pilgrims’ courage and resilience. Their sacrifices secured the freedom to worship—a gift we still enjoy today.From all of us at FaithFi, we wish you a happy and peaceful Thanksgiving. May your celebration be filled with faith, gratitude, and the joy of God’s provision.On Today’s Program, Rob Answers Listener Questions:I'm considering buying a $70,000 rental property and have 7-8 months of emergency funds. My friend advised against getting an equity loan, which would have a 7.5% interest rate. Should I use my own money to buy the property outright or get a loan? What do you suggest?What kind of taxes do you have to pay after a sale that was in probate?I'm 12 years old and will be 13 in two months. I get a $100 monthly allowance and want to learn how to save and invest my money.Resources Mentioned:StashChristian 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.

Do you find yourself trapped in a "one-day" mindset? Maybe you think, "One day, I'll be out of debt," "One day, I'll have enough," or "One day, I'll finally relax." We often tie our contentment to future circumstances, yet the Apostle Paul shows us a different way—contentment in the here and now.Paul, who experienced both wealth and poverty, wrote in Philippians 4:11-13 about the secret to contentment:“I have learned in whatever situation I am to be content... I can do all things through him who strengthens me.”Paul’s contentment wasn’t based on his circumstances but on his relationship with Jesus Christ. Whether he faced abundance or need, his joy remained unshaken because it was rooted in something eternal.Contentment Is LearnedContentment doesn’t happen overnight. As Paul emphasized, it’s a learned behavior. By shifting our focus from earthly circumstances to God, we begin to see that no amount of money, success, or possessions will ever satisfy us. Only a deep relationship with Jesus can fill the longing in our souls.Hebrews 13:5 reminds us:“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.’”The Role of GratitudeGratitude plays a crucial role in fostering contentment. Recognizing what God has already done for us transforms our perspective. As Dr. Art Rainer says, “When you realize that you’re entitled to nothing, you become thankful for everything.”If you’re struggling to feel content, practicing intentional gratitude can shift your mindset from scarcity to abundance.Five Steps to Cultivate ContentmentHere are five practical steps to help you experience lasting contentment:Make Gratitude a Daily Habit: Begin each day by listing three things you’re grateful for. This simple practice shifts your focus to what you already have.Bring Your Needs to God: Share your needs (not wants) with God. Approach Him with a thankful heart, trusting in His faithful provision.Find Contentment in Christ: Reflect on Philippians 4:11-13. Meditate on the sufficiency of Christ in meeting your deepest needs.Appreciate the Present: Pause and savor the blessings around you. Stop striving for more and find joy in the moment.Practice Generosity: Generosity turns gratitude into action. Giving to others reminds you of your own blessings and brings joy through sharing.Contentment isn’t found in “one day.” It’s found today in the sufficiency of Christ, a heart of gratitude, and the joy of giving.A Resource for Finding PeaceIf financial fear or anxiety is stealing your peace this season, consider our 21-day devotional, Look At the Sparrows. This resource offers biblical guidance to help you find peace and contentment, no matter your circumstances.You can get your copy by visiting FaithFi.com/give with a gift of $25 or more. Your support not only equips you with this valuable devotional but also helps keep this ministry thriving so that others may see God as their ultimate treasure. On Today’s Program, Rob Answers Listener Questions:I'm divorced after 30 years. Do I still have any retirement or death benefits from my ex-spouse, or is everything over after the divorce?I have a $20,000 car loan and some investments. Would paying off the car loan by withdrawing from my IRAs be a good idea?My dad has a HELOC with an interest rate of 9.49%. We want to get rid of it, and we'd like to know if a zero-interest credit card is a good option to do this. Is there another option you'd suggest?We recently sold our house and have around $350,000 in a bank that earns practically nothing. My husband is suspicious of moving it into a high-yield savings account because it's not a brick-and-mortar bank. Are there any concerns we should be aware of? If not, how can we go about finding a good bank online?My wife and I are senior citizens, and we recently gained custody of our 10-year-old granddaughter. Her father passed away, and her mother is not in her life. We want some direction and understanding regarding setting up a trust for her for later in life. We're obviously brand new at parenting again, so any advice you have would be appreciated.Resources Mentioned:Christian Community Credit Union (CCCU)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.