Missionary martyr Jim Elliot famously wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.” Those words capture a vision of life that values eternal reward over temporary success—and they’re being lived out today in an unexpected place: the NFL.When many people think of professional athletes, generosity may not be the first word that comes to mind. But Kirk Cousins, a 4-time Pro Bowl quarterback, is quietly challenging that assumption. For Cousins, faith isn’t a compartment—it’s the lens through which he approaches football, finances, family, and the future.A Faith Shaped at HomeKirk often points back to his upbringing as a pastor’s kid. His parents modeled two complementary virtues: careful stewardship and open-handed generosity. Budgets mattered. Overspending was avoided. But when it came to helping others, generosity was practiced freely.That example left a lasting impression. As Kirk puts it, generosity was caught, not just taught. Watching his parents hold money loosely prepared him for a future where financial decisions would come with far greater stakes—and far greater temptation.When Kirk entered the NFL, the learning curve was steep. His first signing bonus—a six-figure check—was unlike anything he had ever seen. Unsure how to handle it, he called his dad for advice, only to discover they were navigating unfamiliar territory together.That moment marked the beginning of a stewardship journey that continues today. From the start, Kirk committed to simple but demanding principles: give first, save wisely, and live within bounds. Practicing those habits early helped anchor him when income grew and public pressure mounted.The Tension of a Finite CareerUnlike many professions, professional athletics comes with a built-in expiration date. That reality creates a unique tension: the need to save aggressively while still giving generously. For Kirk, that tension has become an invitation to trust God more deeply.Giving can feel risky when a career is visibly diminishing. Yet Kirk sees those moments as opportunities to shift the pressure off himself and back onto God—to believe that obedience and generosity create space for God to provide and direct what comes next.From Rules to RelationshipOne of Kirk’s most compelling insights is the distinction between religious box-checking and genuine discipleship. It’s possible, he admits, to treat giving like a checklist—do the minimum, meet the requirement, move on. But that’s not the abundant life Jesus describes.Instead, Kirk points to Jesus’ parable of the hidden treasure. When the treasure is truly seen as valuable, surrender becomes logical, even joyful. Financial decisions don’t lead the heart; the heart leads the finances. When Christ is the treasure, generosity follows naturally.Scripture doesn’t give a universal percentage or spending rule for believers. That absence is intentional—it drives us to prayer and discernment. Kirk and his wife, Julie, continue to wrestle with what “enough” looks like for their family, recognizing that the answer requires humility, wisdom, and the Holy Spirit's leading.Money, Kirk says, is a tool—a test, a testimony, and a means to an end. Growth without purpose risks becoming a search for control rather than an instrument for Kingdom impact. The question isn’t just how much is being accumulated, but why.Unity in GenerosityOne of the most formative pieces of advice Kirk received early in his career was simple: always give in unity with your wife. That principle has shaped every major giving decision he and Julie make.Disagreement isn’t ignored—it’s prayed through. Spousal unity, Kirk believes, is often a channel through which God provides clarity and protection. Generosity practiced together strengthens both stewardship and marriage.As they consider estate planning and their children’s future, Kirk and Julie intentionally prioritize wisdom over wealth. Their hope is not simply to pass down assets, but to raise children who can steward them faithfully.Their long-term vision includes generous support for their foundation and Kingdom causes, with no desire for wealth to linger aimlessly beyond its intended purpose. In Kirk’s words, the goal is impact—not permanence.One place especially close to Kirk’s heart is Christian education. His experience attending a Christian high school profoundly shaped his faith, and he’s passionate about ensuring future generations have access to a similar formative environment. Supporting schools, teachers, and students has become a meaningful outlet for his generosity.A Different Definition of SuccessKirk Cousins’ story reminds us that success isn’t measured by contracts, trophies, or net worth—but by faithfulness. In a world that applauds accumulation, his life points to something better: surrender, trust, and joyful generosity rooted in Christ.As Ron Blue often says, the question isn’t how much we can keep, but how much is enough—and what God would have us do with the rest.On Today’s Program, Rob Answers Listener Questions:I recently sold my business, and after paying off debts and taxes, I expect to have approximately $2–$2.5 million. It’s a bit overwhelming, but I feel incredibly blessed and grateful. I have a few questions: How should I invest this money safely, given that I’m pretty risk-averse? How much cash should I keep on hand? And I also have a question about tithing.Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Kirk CousinsJulie & Kirk Cousins FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
High-yield savings rates have dipped slightly since early spring, but they remain strong enough that choosing the right account right now can still be a wise move. After several quarter-point interest rate cuts by the Federal Reserve, savings yields have eased—but not disappeared. In fact, many online banks continue to offer returns well above those of most brick-and-mortar institutions.Understanding what’s happening—and how to respond—can help you steward your cash with wisdom and confidence.Why Savings Still Matter in Your Financial PlanSavings and investments play very different roles. A savings account is designed for money that must remain safe, accessible, and dependable—your emergency fund, short-term needs, and dollars you’ll rely on in the next few years.Savings won’t deliver investment-level growth, but the interest they earn still matters. Every bit of growth helps preserve purchasing power and strengthens your financial footing over time.Over the past few years, inflation rose well above the Federal Reserve’s 2% target. In response, the Fed raised short-term interest rates aggressively. As rates climbed, savings yields—especially at online banks—rose alongside them.Earlier this year, many high-yield savings accounts were paying between 4.75% and 5%, sometimes more. That gave savers an unusual opportunity to earn meaningful interest on cash that would otherwise sit idle.Since then, inflation has cooled, and the Fed has begun cutting rates. Those reductions have nudged savings yields lower, but today’s rates are still historically strong—and far more generous than what traditional banks typically offer.Why Timing Still Works in Your FavorBanks rarely adjust savings rates immediately after a Fed announcement. Often, there’s a window—sometimes several weeks—when higher yields remain available before they gradually drift downward.That lag creates an opportunity. While savings accounts aren’t “locked in” like CDs, moving your money into a competitive high-yield account now allows you to benefit as rates slowly settle. Banks tend to move cautiously, often watching one another before making changes, which gives savers time to act.For many families, knowing their savings are earning a solid return brings peace of mind—whether preparing for an unexpected expense or setting aside resources for opportunities God may bring.Where High-Yield Savings Fit BestA strong savings strategy usually includes three key priorities:1. Your emergency fund. Keep three to six months of expenses in a high-yield savings account. The stronger the yield, the faster that cushion grows—without taking on risk or debt.2. Short- and mid-term goals. Money you’ll need in the next two to five years—such as a down payment, major repair, or planned purchase—should stay protected from market volatility. High-yield savings accounts offer both safety and reasonable earnings.3. Regular comparison. Some traditional banks still pay as little as 0.01%—essentially nothing—while online banks often offer rates dozens of times higher. Comparing what you’re earning with what’s available elsewhere can make a meaningful difference.Exploring Your Options WiselyComparison sites like Bankrate and NerdWallet can help you evaluate current rates while also considering reliability, customer experience, and safety ratings.Money market accounts are another solid option, often offering competitive yields with added flexibility, such as check-writing privileges. Just be mindful of minimum balance requirements.Don’t overlook credit unions either. As not-for-profit institutions, they often return earnings to members through stronger rates and lower fees. One example is AdelFi Christian Banking, a credit union that combines competitive yields with support for Gospel-centered ministry worldwide.You can learn more at FaithFi.com/Banking.Stewardship Is About Faithful ConsistencyChoosing where to place your savings isn’t simply about chasing the highest return. It’s about managing God’s resources with intention and care. Saving consistently—month after month, year after year—is quiet, faithful work.A wise savings vehicle supports that journey, helping your money work a little harder while you walk forward with clarity, confidence, and trust in the Lord’s provision.On Today’s Program, Rob Answers Listener Questions:I’m 70 and retired, with a steady monthly income. I need a car costing about $20,000, and I still owe $27,000 on my mortgage. I’d prefer not to carry two payments—should I pay off the mortgage or buy the car, and where should the money come from?I want long-term protection through investing in gold. What’s the best way to do that today?I’m retired and have about $1 million invested with Edward Jones. They’re moving me to a 1.2% annual fee on my entire portfolio instead of transaction-based fees. I agreed, but I now wonder whether the fee is warranted. Is this a wise move?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Bankrate | NerdWalletAdelFi Christian BankingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
Every Christmas season, A Christmas Carol returns to our screens and pages as a story of generosity, redemption, and hope. But beneath the familiar narrative, Charles Dickens was also making a powerful argument—one that challenges how society views the poor, children, and human worth itself.In today’s Christmas episode of Faith & Finance, we sat down with Jerry Bowyer, our resident economist and president of Bowyer Research, to explore the deeper economic and theological message Dickens embedded in this classic tale.The Meaning Behind “Surplus Population”One of the most disturbing lines in A Christmas Carol comes from Ebenezer Scrooge, who suggests that the poor might be better off dying to reduce the “surplus population.”Jerry explained that this phrase wasn’t casual or poetic—it was loaded with meaning in Dickens’ day. It reflected the influence of Thomas Malthus, an economist whose ideas shaped early 19th-century thinking. Malthus believed population growth would always outpace food and resources, making widespread poverty inevitable. His conclusion? Society should discourage the poor from having children.Dickens deliberately places this language in the mouth of his villain. Scrooge isn’t just cruel—he’s the embodiment of a philosophy that treats people as economic problems rather than human beings made in God’s image.Jerry noted that Dickens was, in effect, writing A Christmas Carol as a rebuttal to Malthus.By the time Dickens wrote the story, Britain was entering what economists now call the Great Takeoff—a period of unprecedented growth in productivity, trade, and human flourishing. Malthus had predicted catastrophe just before abundance exploded.Dickens highlights this abundance through scenes overflowing with food, trade goods, and celebration. The message is clear: people don’t merely consume resources—they create them.Scarcity, Trauma, and Scrooge’s PastDickens doesn’t excuse Scrooge’s cruelty, but he does explain it. Through the Ghost of Christmas Past, we see a lonely boy shaped by hunger, cold, and deprivation.Jerry pointed out that Scrooge’s scarcity mindset is rooted in trauma. His fear of lack leads him to believe that God—if He exists at all—is stingy. That fear shapes his economics, his relationships, and his resistance to generosity.The turning point comes when Scrooge encounters the Ghost of Christmas Present. When told the spirit has over 1,800 brothers—each representing a Christmas—Scrooge responds, “What a large family to provide for.”It’s another glimpse of his scarcity thinking. And it draws sharp rebuke.Jerry emphasized that Dickens is confronting the idea that more people mean less provision. In contrast, Scripture reveals a God who is generous, creative, and abundant—and who commands humanity to fill the earth, not fear it.No One Is DisposableBy the end of the story, Scrooge is transformed. He becomes generous, relational, and deeply concerned for others—especially children like Tiny Tim.Jerry observed that in a Malthusian worldview, Tiny Tim is expendable. But Dickens—and the gospel—say otherwise. There are no surplus people.Even Jesus Himself, Jerry noted, would have been classified as “surplus population” by such a system—born poor, dependent, and unwanted by the powerful.The language may have changed, but the ideas persist. Whenever society treats children as burdens, the poor as problems, or human life as expendable in the name of efficiency or sustainability, we are hearing echoes of Scrooge before his redemption.Dickens reminds us that economics is always moral—and theology always shapes how we view people.Watching With New EyesAs Jerry put it, A Christmas Carol isn’t just a holiday story. It’s a challenge to scarcity, fear, and dehumanization—and an invitation to generosity rooted in trust.As families watch this story together, it becomes a powerful opportunity to talk with our children about God’s abundance, human dignity, and what it truly means to love our neighbor.Because the real miracle of Christmas isn’t simply changed behavior—it’s a changed heart.On Today’s Program, Rob Answers Listener Questions:I have a substantial amount of savings sitting in the bank and want to protect it from inflation. I live primarily on Social Security, have no debt or investments, and need to keep some funds available for emergencies. What’s a wise way to invest the rest?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)The Life of Our Lord: Written for His Children During the Years 1846 to 1849 by Charles DickensA Christmas Carol by Charles DickensThe Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerThe Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics by Jerry BowyerWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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 Bible contains many stories of God’s miraculous provision, but few are as rich and practical as the account of the widow’s oil in 2 Kings 4:1–7. Though only seven verses long, this passage offers profound insight into how God provides for His people—and how He invites them to participate in His provision.On today’s Faith & Finance, Sharon Epps, president of Kingdom Advisors, joined the program to unpack this story, one she often describes as a clear picture of “God’s part and our part” in stewardship.A Crisis That Drives a Cry for HelpThe story opens with a widow in dire circumstances. Her husband, a member of the company of prophets and a man who feared the Lord, has died, leaving behind unpaid debt. With no means to repay it, she risks losing her two sons to creditors.In desperation, she cries out to the prophet Elisha for help. His response begins with a question that shapes the entire story: “What do you have in your house?”Her answer is simple and heartbreaking—nothing, except a small jar of oil.God’s Part: The Source of ProvisionSharon Epps notes that God’s role in this story is clear. The widow had no way to create oil, multiply it, or secure buyers for it. God alone supplied what was needed.“He was the provider of the oil,” Sharon explains, “and He also provided the buyers so the debt could be paid.” The widow’s increase came entirely from God, leaving no room for self-reliance or pride.This total dependence is part of the lesson. God’s provision is not something we manufacture; it is something we receive.The Widow’s Part: Obedience and ActionWhile God provided the miracle, the widow was not passive. Sharon emphasizes that she played an important role.She:Asked for helpFollowed Elisha’s instructionsGathered empty jarsPoured the oilSold what God multiplied“She didn’t just wait for oil to appear,” Sharon notes. “She participated in the process.”This balance—God’s provision paired with human faithfulness—is a pattern we see throughout Scripture.Empty Jars and Expanding FaithOne of Sharon’s favorite moments in the passage comes in verse three, when Elisha tells the widow to gather empty jars from her neighbors and adds, “Don’t ask for just a few.”The amount of oil multiplied was directly connected to the number of jars collected. When no vessels remained, the oil stopped flowing.Sharon describes the jars as a physical expression of faith. The widow’s willingness to gather more vessels created space for God’s provision.Stewardship Principles We Can Apply TodaySharon notes that God doesn’t work the same miracle in every life, but the same God is always at work. From this story, she highlights several principles that still apply:1. God Is the Provider. Even our ability to work and earn comes from Him. We are always more dependent on God than we realize.2. Faithfulness Is Our Responsibility. God calls us to be faithful with what He places in front of us today—even when it feels ordinary, frustrating, or uncertain.3. Seek Wise Counsel. The widow didn’t isolate herself. She sought help from the prophet, reminding us that God often provides guidance through others.4. Involve Your Family. The widow’s sons helped fill the jars. Including family in financial challenges can strengthen faith and allow everyone to witness God’s provision.5. Don’t Bet on the Future. The widow’s hardship began with unresolved debt. Sharon encourages thoughtful financial planning that considers how decisions today could affect loved ones tomorrow.Are You the Widow—or the Neighbor With Jars?Sharon also challenges listeners to view the story from a different perspective. Sometimes we are not the ones in need—we are the neighbors with empty jars.God may have already placed resources in our hands—assets, opportunities, or skills—that He wants to use to meet someone else’s need.In just seven verses, the story of the widow’s oil paints a powerful picture of stewardship: God provides; we respond in obedience. We rely on Him, seek wise counsel, act faithfully, and remain open to generosity.As Sharon Epps reminds us, recognizing God’s role and our role brings freedom—and invites us to trust Him more fully with everything He has entrusted to us.On Today’s Program, Rob Answers Listener Questions:My 83-year-old mother just sold property and may net about $250,000 after taxes. I want to keep the money safe, liquid, and available in case she needs long-term care—whether soon or years from now. What’s the best place to hold it?We have a $10,000 Sallie Mae student loan at about 10% interest and aren’t making much progress on the balance. Are there better refinancing options that could lower the rate?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won’t feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.Christmas brings out many good desires. We want our homes to feel warm, our families to feel loved, and our gatherings to feel joyful. Emotional spending happens when those good desires turn into pressure—internal or external. We begin asking questions like: What if this isn’t enough? What will they think if I don’t give something big? If I don’t hurry, will Christmas feel incomplete?Emotional buying often peaks in the final days before Christmas, not because we’re unwise, but because we’re human. We feel the weight of expectations, the excitement of the season, and the fear of missing out. But perfect moments aren’t purchased. They’re created through meaningful time together—not merely expensive gifts.A Biblical Rhythm for GivingScripture invites us into a different rhythm. Jesus said, “It is more blessed to give than to receive.” He wasn’t describing frantic shopping or panic-driven generosity, but joyful, intentional, heart-shaped giving.Paul echoes this in Colossians 3:2: “Set your minds on things above, not on earthly things.” Christmas giving becomes a spiritual act when it flows from love, gratitude, and thoughtfulness rather than pressure or panic.Many of the most meaningful gifts can’t be boxed or wrapped—a handwritten letter, a shared meal, a family tradition, a long walk with an aging parent, or a prayer spoken over someone you love. These are gifts that shape hearts, not clutter closets.In the final days before Christmas, urgency often speaks louder than wisdom. The sale is ending. Shelves are empty. Shipping won’t arrive on time. Suddenly, our giving comes more from fear than love.Proverbs 21:5 offers a timely warning: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Hasty choices don’t just strain our finances—they strain our hearts. They rob us of peace and shift our focus from Christ to consumption.You don’t have to sprint your way into Christmas. You can choose a different pace.Four Practical Ways to Avoid Emotional Buying1. Pause before you purchase. Even a 30-second pause can interrupt an emotional decision. Ask yourself: Is this coming from love—or from pressure?2. Let your values set the tone. A healthy budget isn’t restrictive—it’s clarifying. It helps your spending reflect what matters most.3. Remember, generosity is more than money. Time, words, service, and presence are gifts money can’t replicate.4. Let Christ—not culture—define Christmas. Before you buy, ask: Will this help us celebrate Jesus, or simply ease a momentary fear?When your giving aligns with faith rather than fear, Christmas becomes more meaningful—not less.The Freedom of Love-Led GivingMother Teresa captured this beautifully: “It’s not how much we give, but how much love we put into giving.” You’re not responsible for funding a flawless Christmas. You’re responsible for loving the people God has placed in your life—and love doesn’t require overspending.Christmas isn’t a test of your financial ability. It’s a celebration of God’s generosity toward us. The angel didn’t announce “great deals of consumer joy,” but “good news of great joy—a Savior has been born to you.” That’s the center of Christmas, and the foundation of intentional giving.On Today’s Program, Rob Answers Listener Questions:I’m 57 and have about $300,000 in a 401(k). I owe $133,000 on my mortgage and am considering using retirement funds to pay it off. My employer mentioned rolling over just enough to cover the mortgage into a pension plan. Is that possible, and what should I consider before proceeding?You previously shared a list of scholarships. I have a daughter who’s a high school freshman and may attend Liberty University. Do you still have that scholarship list? How can we start preparing now?I’m 74, retired, and have about $25,000 in an IRA. I want to invest some in gold, but I also owe $13,000 on a high-interest credit card from home repairs. Is there a way to negotiate that debt for a lump-sum payoff? And since I live on a pension and Social Security and haven’t filed taxes in four years, do I still need to pay taxes?I taught vocational trades in the Texas prison system and was told that ex-felons can’t get a job until seven years after probation. Is that actually the law in Texas? And if so, how are people expected to support themselves during that time?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsFinding Your Scholarships (Faith and Finance Episode - August 14, 2024)Scholarships.com | Fastweb.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
We live in a world overflowing with stuff—and messages about stuff. Everywhere we turn, someone promises that the next purchase, upgrade, or financial milestone will finally bring joy or peace. But Scripture offers a far better—and far more freeing—vision for how believers relate to money and possessions.The Bible doesn’t ignore material things. It puts them in their proper place.When Good Things Promise Too MuchWe’ve all heard the phrase money can’t buy happiness, yet it’s still easy to live as though it might. When life feels overwhelming, we often reach for the nearest distraction—a purchase, an upgrade, or a new financial goal—hoping it will calm our anxiety or restore a sense of control.But Scripture never teaches that possessions themselves are bad. In fact, Paul writes, “God richly provides us with everything for our enjoyment” (1 Timothy 6:17). Ecclesiastes adds that when God gives someone wealth, possessions, and the ability to enjoy them, “this is a gift of God” (Ecclesiastes 5:19).Enjoying God’s good gifts is not unspiritual. Beauty, comfort, and experiences can all be received with gratitude.The problem isn’t having things—it’s the place things occupy in our hearts. Materialism doesn’t begin when we own possessions, but when possessions begin to own us.At its core, materialism is the belief that created things can provide what only the Creator can give: meaning, identity, security, and purpose. Jesus understood this deeply. That’s why He spoke so often about money—not because He was worried about finances, but because He cared about our hearts. “Where your treasure is, there your heart will be also” (Matthew 6:21).Things were never designed to satisfy the human soul. When they become our deepest treasure, our hearts remain restless.Enjoyment Versus DependenceSo how do we enjoy God’s gifts without becoming dependent on them?The difference is subtle but crucial.Enjoyment says, “Father, thank You for this gift.”Dependence says, “If I lose this, I’ll lose myself.”Enjoyment frees us. Dependence enslaves us.That’s why gratitude is so powerful. Gratitude reminds us that every good thing flows from the hand of a loving God. When we see possessions as gifts, we stop expecting them to carry weight they were never meant to bear.Generosity is another powerful antidote to materialism. When you give, you declare that your hope is not found in accumulation. You remember that God owns it all—and that your joy is rooted in Him, not in what you hold.And here’s an important nuance: rejecting materialism does not mean rejecting material things. Scripture never calls believers to asceticism or joyless living. Instead, it warns us against the illusion that anything—even abundance—can become enough apart from God.Ecclesiastes holds both truths together: God gives possessions and the ability to enjoy them—that’s grace. Yet whoever loves money never has enough. Feeding the craving for more never satisfies it.Three Questions That Keep Things in Their PlaceIf you want to guard your heart, here are three simple questions worth asking regularly:Do I enjoy this gift with gratitude, or do I feel anxious without it?Does this possession help me love God and others—or distract me from them?Am I more excited about having this thing, or about how God may want me to use it?When things stay in their proper place, they become blessings instead of burdens. They point us to the God who provides rather than pulling us away from Him.And here’s the irony: the less we depend on things for happiness, the more freely we can actually enjoy them.Rooting Joy in the Giver, Not the GiftGod created a world rich with color, beauty, taste, and texture. He’s given each of us resources and opportunities to steward and enjoy. But things are not ultimate. They are not our source of life. They are not our Savior. Only God is.When our joy is rooted in the Giver rather than the gift, we discover the contentment our hearts were made for.On Today’s Program, Rob Answers Listener Questions:I’m looking for wisdom on when—or if—I should give my kids a car. I have three children, ages 16, 18, and 20. Because we live about 30 miles from school, we’ve always provided vehicles so they can get to activities. Is there a point where it makes sense to give them the car outright to help them grow in responsibility? Or is it better to require shared responsibility instead of a full gift?Several years ago, I had about $17,000 in credit card debt and enrolled in a debt management program through Trinity Debt Management. I’ve since paid it down to around $6,000–$7,000. I’ve heard about the debt management program you recommend, and I was wondering if it makes sense to switch if the interest rate is lower. Are there any advantages or disadvantages to changing programs at this stage?My wife and I have been married nearly 42 years, and generosity has always been part of our walk—we’ve consistently tithed. We’re now beginning to receive inheritances from our parents and are thinking through how to handle giving in this situation. Do we tithe on an inheritance? How should we think about generosity with gifts like money or even something like a car?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
As Christmas Day draws near, we often hear stories of generosity, kindness, and the spirit of giving. But perhaps no story has inspired these virtues more than the life of St. Nicholas—a real man whose faith-filled generosity continues to echo through the centuries.Long before red suits and reindeer entered the picture, Nicholas lived a quiet, Christ-centered life marked by sacrificial love. His story reminds us that the true meaning of Christmas isn’t found in what we receive, but in how we reflect the love of Jesus to others.A Childhood Shaped by Faith—and LossNicholas was born around A.D. 280 into a wealthy Christian family in Patara, a bustling port city in modern-day Turkey. From an early age, his parents taught him the teachings of Jesus—especially the call to care for the poor and the vulnerable. Their daily example planted seeds of compassion that would later bear extraordinary fruit.A tragedy occurred when Nicholas was still young. An epidemic claimed the lives of both his parents, leaving him orphaned—but also leaving him with a significant inheritance. In his grief, Nicholas turned to his faith. Rather than clinging to his wealth, he saw it as a means to serve others and live out the gospel.Nicholas became known for quietly helping those in desperate situations. His most famous act of generosity involved a poor man and his three daughters. In that culture, a dowry was required for marriage. Without it, the daughters faced the horrifying prospect of being sold into slavery.Moved by their plight, Nicholas acted—secretly. Under the cover of night, he delivered a bag of gold to the family, securing the eldest daughter's future. He returned twice more, each time providing enough to ensure another daughter could marry safely.When the father eventually discovered Nicholas’s identity, Nicholas urged him to thank God alone. He took Jesus’ words to heart: “When you give to the needy, do not let your left hand know what your right hand is doing” (Matthew 6:3). Nicholas didn’t seek recognition—only faithfulness.A Shepherd With Courage and ConvictionLater in life, Nicholas became the bishop of Myra, where his compassion expanded beyond individuals to an entire community. He was known for defending the poor, standing up for the innocent, and shepherding his people with deep love.During the persecution of Christians under Emperor Diocletian, Nicholas risked imprisonment for his faith. He later attended the Council of Nicaea in A.D. 325, standing firm for the truth of the gospel. Yet what truly defined him wasn’t his position—it was his Christlike love.Nicholas lived as if true wealth was found not in possessions, but in a living relationship with God.After his death on December 6, A.D. 343, stories of Nicholas’s generosity spread across generations. He became known as a protector of children, a patron of sailors, and a symbol of selfless giving. Over time, his life inspired the figure we now associate with Santa Claus—but behind the legend stands a man devoted to glorifying God.The story of St. Nicholas challenges us to reconsider the meaning of Christmas. His life wasn’t about extravagant gifts or public praise. It was about embodying the love of Christ—sacrificial, humble, and freely given.Living the True Meaning of ChristmasThis Christmas, as we exchange gifts and gather with loved ones, let’s remember that the greatest gift has already been given—Jesus Christ, who came to save sinners and offer eternal life.Like St. Nicholas, we are called to share that gift with others. Through generosity, service, and simple acts of kindness, we can reflect the light of Christ in a world desperate for hope. As Jesus reminded us, “It is more blessed to give than to receive.”May the story of St. Nicholas inspire us to give generously, love deeply, and celebrate the true meaning of Christmas—because it’s not the gifts we receive, but the love we share, that makes this season truly special.On Today’s Program, Rob Answers Listener Questions:I’ve heard that even if you have a will, your estate still has to go through court, but that having a trust allows you to avoid that. Is that correct? Since I currently have both a will and a trust, is it advisable to keep both?I’m the CFO of a company that’s considering a sale. The CEO wants to sell to a buyer I’m concerned could ultimately harm the company. Given my role, what counsel or perspective can I offer the CEO as we consider this decision?I’m 82 years old and have lost my eyesight, which makes it difficult to write checks and pay bills. What options are available for setting up automatic bill pay or managing my finances more easily?I’ll be retiring soon—I turn 62 next year—and I still owe about $119,000 on my home. I work part-time, and my husband works full-time. Should I start collecting Social Security now, even though I’ll continue working, so we can pay off the house more quickly?My husband and I are in our early 40s. We own our home outright, have no debt, and paid for college in cash. We’ve saved about $140,000 and would like to invest $100,000, but we’re not sure of the best way to do that.I was overpaid SSDI by Social Security and am currently repaying it. Do I need to repay the overpayment before I can receive my retirement benefits?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
With college costs rising faster than inflation, many families feel cornered—scrambling for scholarships, stretching savings, or bracing for years of student loan payments. But there’s one meaningful option that often gets overlooked: military service.For students who feel led to serve, military pathways can provide full tuition, a monthly stipend, and exceptional leadership development—all while graduating debt-free. Today, we sat down with Matt Bell, Managing Editor at Sound Mind Investing, to explore how these programs work and who they’re best suited for.Matt brings a personal connection to this topic. One of his sons is currently attending the U.S. Air Force Academy, and his insight helped illuminate both the opportunity—and the responsibility—this path entails.Why Military Education Pathways Are Often MissedFor the right student, military service can be a remarkable way to fund higher education. And that qualifier matters.As Matt shared, these programs are designed for students who are willing to serve their country and take on demanding challenges. In return, the military offers generous education benefits through several primary pathways—most notably the U.S. Service Academies and the Reserve Officers’ Training Corps (ROTC).Beyond the financial benefits, these programs offer leadership training and real-world experience that traditional colleges can’t replicate. Matt mentioned that his son is currently choosing between summer programs such as jump school, where cadets learn to parachute, and soaring school, which involves flying gliders. Those aren’t exactly typical college electives.The U.S. Service Academies: What Families Should KnowThere are five U.S. Service Academies:U.S. Military Academy (West Point)U.S. Air Force AcademyU.S. Naval AcademyU.S. Coast Guard AcademyU.S. Merchant Marine AcademyAt each academy, tuition, room, and board are fully covered, and students receive a monthly stipend. But admission is highly competitive. Some academies have acceptance rates as low as 9–10%.Applicants are evaluated holistically. Strong academic performance, high SAT or ACT scores, physical fitness, athletic participation, and demonstrated leadership all matter. Character is essential as well—letters of recommendation play a key role.And then there’s one more hurdle: a nomination from a member of Congress or the Vice President (required for all academies except the Coast Guard). That process alone requires early planning and persistence.Graduates of the service academies don’t walk away with a “free” education—they earn it through service.Typically, graduates commit to five years of active-duty service followed by three years in the reserves. Specific roles, such as pilots, require longer commitments—often up to ten years after specialized training.All graduates are commissioned as officers, gaining leadership experience that opens doors to a wide range of future careers, both within and beyond the military.ROTC: A Different—but Still Powerful—OptionROTC offers another pathway and is available on more than 1,700 college campuses nationwide.Unlike the academies, ROTC students experience a more traditional college environment. They typically wear uniforms one day a week rather than full-time, and they integrate military training alongside their academic studies.ROTC scholarships can cover tuition and room and board, and graduates are commissioned at the same officer rank as academy graduates. Service commitments are generally slightly shorter, but the calling to serve remains central.As appealing as debt-free college and leadership training may sound, there’s a sobering reality families must weigh carefully.Choosing this path means committing to serve your country—and that includes the possibility of combat. This isn’t just a financial decision or a résumé booster. It requires discernment, maturity, conviction, and a willingness to place service above self.Final ThoughtsMilitary education pathways are not for every student—but for the right one, they can be transformative. They offer freedom from student debt, unparalleled leadership development, and the opportunity to serve something greater than oneself.As families prayerfully consider college decisions, this option deserves thoughtful, informed consideration—not just for what it provides, but for what it asks in return.On Today’s Program, Rob Answers Listener Questions:I have Parkinson’s and will need to stop working soon. I live in a paid-off home, and I also own a beach property with a mortgage. Once I stop working, I won’t be able to afford that payment. The beach home has been on the market for over a year and a half without selling. If I allow the bank to foreclose on it, what are the consequences—especially when it comes to taxes and whether it could affect my primary residence?I’m trying to understand whether a will is enough for my situation or if I need additional estate planning. I want to be sure my children receive everything I intend to leave to them.I’m taking early retirement from the government and have just over $1 million in my Thrift Savings Plan (TSP). I’m in my early 50s and plan to focus full-time on caring for my family. I want guidance on how to proceed with that money.Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)U.S. Military Academy (West Point) | U.S. Air Force Academy | U.S. Naval Academy | U.S. Coast Guard Academy | U.S. Merchant Marine Academy | Reserve Officers Training Corps ROTCSound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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 holidays naturally inspire generosity. As Christians, we feel a heightened awareness of need—empty tables, struggling families, and financial hardship made more visible by the contrast of celebration all around us. And that impulse to give is good.But God calls us to something deeper.True, Christ-centered generosity goes beyond a one-time act of charity. It invites us to walk alongside people in ways that restore dignity, build hope, and reflect God’s heart for renewal—not just during Christmas, but throughout the year.To explore what that kind of generosity looks like in practice, we sat down with Lisa Sheltra, Director of Community Engagement at Salt & Light, a ministry committed to helping without hurting by empowering individuals rather than creating dependency.A Biblical Vision for Deeper GenerosityScripture sets the tone for how we approach generosity. “Let each of you look not only to his own interests, but also to the interests of others” (Philippians 2:4). That verse reminds us that generosity is inherently relational. It’s not just about meeting needs—it’s about entering into someone’s life with humility and care.Lisa explained that while giving material help is often necessary, biblical generosity must flow from our relationship with Christ. God’s model for giving isn’t transactional. It’s restorative.She pointed to John 3:16 as the ultimate framework for generosity. When God gave, He didn’t offer something temporary or superficial—He gave His Son to address our deepest brokenness and bring true flourishing. If our generosity reflects God’s heart, it should aim not only to relieve immediate pain but to support long-term restoration, reconciliation, and community.Many churches and families feel pressure in December to focus heavily on relief efforts—food drives, toy collections, clothing donations. These are good and often necessary responses, especially in moments of crisis.But Lisa cautioned that relief, by its nature, creates a giver-receiver imbalance. When relief becomes the default instead of the exception, it can unintentionally harm both sides of the relationship. It can reduce people to passive recipients and rob them of agency, dignity, and participation.Relief is best understood as a tourniquet—it stops the bleeding in an emergency. But most ongoing struggles, including those we notice during the holidays, are not emergencies. They are development needs, requiring long-term walking together, not repeated short-term fixes.Relief vs. Development: Understanding the DifferenceSalt & Light works closely with principles championed by the Chalmers Center, which emphasizes the importance of distinguishing between relief and development.Relief addresses urgent, immediate crises.Development focuses on long-term growth, dignity, and restored relationships.During the holidays, what looks like an emergency is often a symptom of a deeper, ongoing struggle. Repeated relief may feel satisfying to the giver, but it rarely moves families toward lasting stability or community.Development, on the other hand, invites people to use their own gifts, make their own choices, and participate fully in solutions. It treats individuals not as problems to fix, but as image-bearers with capacity and value.At Salt & Light, empowerment isn’t seasonal—it’s woven into everyday ministry. Participants invest in the program year-round and are treated not as charity cases, but as customers and guests with agency.Rather than handing out preselected gifts, families can choose items for their loved ones. That choice matters deeply. Lisa shared that many participants have said, “This is the first Christmas in years I’ve been able to buy gifts for my family myself.”That shift—from receiving charity to exercising choice—restores dignity in powerful ways.A Better Path for ChurchesFor churches wanting to steward holiday generosity wisely, Lisa offered several practical insights:Partner with ministries already practicing development. You don’t need to reinvent the wheel.Encourage relational volunteering, not just donation drives.Support year-round ministries, not just seasonal projects.Use the holidays as an on-ramp, connecting people’s enthusiasm for giving to sustainable, ongoing involvement.The goal isn’t to do more—it’s to do good in ways that last.What This Looks Like for IndividualsMany believers want to help but fear causing harm. The answer isn’t to stop giving—it’s to give differently.Lisa encouraged individuals to approach generosity with humility and a willingness to learn. We don’t need perfect solutions. We need presence, patience, listening ears, and respect for dignity.She reminded us that kingdom impact isn’t measured by numbers alone. While it may feel impressive to count meals served or gifts distributed, God’s metrics are relational. Sometimes faithfulness looks like doing for one what we wish we could do for everyone.When asked to leave listeners with one guiding principle beyond the Christmas season, Lisa said it simply and beautifully:“See others as image-bearers of God—people with gifts, agency, and dignity. Come alongside them, not as fixers, but as fellow participants in God’s work of renewal.”When we give in ways that honor dignity and foster genuine connection, we don’t just meet needs—we participate in God’s redemptive work.To learn more about Salt & Light and their dignity-centered approach to helping others, visit SaltandLightMinistry.org.On Today’s Program, Rob Answers Listener Questions:I owned my land before I got married, and my husband isn’t on the deed. But after we got married, the tax office automatically added his name to the property tax statement. Do I have to list my spouse on the tax records if the land was paid for before marriage, and what steps do I need to take to have that changed?I’m retired and recently sold a property because I’m no longer able to maintain it. I netted about $100,000 from the sale. My home and vehicles are paid off, and I have a small 401(k) of about $30,000 that I’m living on. I’m not sure what to do with the $100,000—what would you recommend?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Salt & Light MinistriesWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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 retirees today feel squeezed. Rising costs, fixed incomes, and market uncertainty can make the retirement years feel more fragile than expected. Yet for many households, one of their largest assets—their home—often sits unused in their financial plan.For years, reverse mortgages carried a mixed reputation. But significant reforms over the last decade have reshaped the program, making today’s options safer, more flexible, and better aligned with thoughtful retirement planning. Today, we are joined by Harlan Accola, National Reverse Mortgage Director with Movement Mortgage, to explore how home equity can play a more intentional role in retirement.Why Home Equity Is Often OverlookedFor many retirees, their home represents their single largest asset. Yet it’s frequently absent from retirement conversations.One reason is perception. Outdated assumptions and negative press have long hampered reverse mortgages. Another reason is structural: many financial advisors simply aren’t trained—or compensated—to incorporate home equity into retirement planning. As a result, planning conversations often focus on investments, Social Security, pensions, and insurance, while equity is quietly ignored.That oversight can create strain. When too much wealth is locked inside a home, retirees may feel cash-poor even while sitting on significant net worth—especially if they’re still making monthly mortgage payments.Much of what people fear about reverse mortgages no longer applies. Major legislative reforms roughly a decade ago addressed earlier concerns and strengthened consumer protections. Today’s reverse mortgage programs are federally regulated and far more transparent.In fact, recent industry surveys—including data from J.D. Power—show that more than 90% of reverse mortgage borrowers report being satisfied with their experience. As more people hear positive stories from neighbors and friends, perceptions continue to shift.Key Benefits of Today’s Reverse MortgagesThe most immediate benefit for many retirees is simple: eliminating a monthly mortgage payment. I’ve spoken with retirees who are using a significant portion of their Social Security income just to cover housing costs. Removing that payment can dramatically improve monthly cash flow—even for those who technically “can afford” the payment.Another powerful benefit is preparation. Long-term care remains one of the largest unfunded risks in retirement. For homeowners who have already paid off their house, a reverse mortgage can establish a guaranteed line of credit before it’s needed. Think of it as getting an umbrella before it starts raining—access to funds that can be used later if health care needs arise or unexpected expenses surface.A Third Bucket in Retirement PlanningTraditionally, retirees think in terms of two buckets: income and investments. But home equity can function as a third.The early years of retirement are often the most critical. Drawing too quickly from investments doesn’t just reduce the balance—it also eliminates years of future growth. By using home equity strategically, retirees may be able to reduce pressure on their investment portfolio, delay Social Security, and extend the longevity of their overall plan.In many cases, this isn’t about necessity—it’s about stewardship. Rather than leaving a major asset idle or waiting until it must be accessed in distress, home equity can be used intentionally to support stability, flexibility, and peace of mind.Reverse mortgages aren’t for everyone, and they should always be evaluated carefully within a broader financial plan. But for those in the later seasons of life—especially homeowners still making payments or struggling to meet monthly expenses—they can be a valuable option.When used wisely, home equity isn’t about giving something up. It’s about stewarding what God has already entrusted to you, so your resources serve you well throughout retirement.To learn more, visit Movement.com/Faith.On Today’s Program, Rob Answers Listener Questions:I own a small business with about 10 employees, and I’m looking to set up a 401(k). I’m not sure which type makes the most sense or how to get started—can you help point me in the right direction?I’ve been furloughed, and I’m considering borrowing from my 401(k). I’m trying to understand the tax implications of taking out $50,000 and splitting it between 2025 and 2026. Would it be wiser to take half each year, especially given the uncertainty ahead?I’m a widow with no children or close family. I’ve heard of revocable trusts and powers of attorney, and I’m trying to understand the difference between them. Specifically, how does having a power of attorney compare to setting up a revocable trust—especially if I were to become incapacitated?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Movement MortgageIRS.gov | 401(k) Plans For Small Businesses (U.S. Department of Labor) | ADPWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
We’re deep into December, and the window for smart year-end tax planning is closing quickly. Taxes may not be at the top of your Christmas wish list, but they are an important reminder of God’s provision—and an opportunity to honor Him through wise stewardship.As Scripture reminds us, “The earth is the Lord’s, and everything in it” (Psalm 24:1). That includes the resources He’s entrusted to us. Thoughtful planning isn’t about avoiding responsibility—it’s about managing God’s gifts with intention and gratitude.Today, we sat down with Kevin Cross, a seasoned CPA who has helped countless families navigate taxes with clarity and confidence. As we approach December 31 and look ahead to 2026, here are some of the most important moves to consider.Rethinking Charitable Giving at Year-EndCharitable giving is always close to the hearts of our listeners, and year-end is an especially strategic time to consider it.Recent changes to the tax code—including a higher standard deduction and an expanded SALT (state and local tax) deduction—mean many households may now benefit from itemizing again. If that’s you, making charitable contributions before December 31 could provide meaningful tax benefits.But even if your standard deduction is still too high to itemize, there’s another strategy worth considering: bundling your giving. Instead of spreading donations evenly each year, you might combine two years’ worth of giving into one year. That can push you over the itemization threshold and maximize the tax benefit—while still supporting the ministries and causes you care about.Why a Donor-Advised Fund Is a Powerful ToolIf you don’t yet know precisely where you want to give, a donor-advised fund (DAF) can be an incredibly flexible option. We often call it a charitable checking account. You receive the tax deduction when you contribute to the fund, then take your time prayerfully distributing gifts to qualified charities.Kevin likes to say it’s “the most fun fund you’ll ever have”—because it encourages generosity while allowing your resources to be invested and potentially grow before they’re given.For those who want to ensure their giving supports gospel-centered ministries, I recommend opening a donor-advised fund through the National Christian Foundation (NCF). It’s a wonderful way to align generosity with faith-based impact. You can learn more at FaithFi.com/NCF.A New Opportunity for Children and Grandchildren (Starting in 2026)One of the most talked-about developments Kevin highlighted is a new child tax savings account (Trump Account), set to begin in 2026. While no action can be taken until then, it’s worth knowing what to expect.Under this provision, eligible children may receive a government-funded seed contribution, and families can contribute up to $5,000 per year. Even more interesting: businesses may be able to contribute up to $2,500 tax-free under the right circumstances—while still receiving a deduction.What makes this especially notable for generous families is that donor-advised funds may be used to contribute to these accounts, creating new ways to bless the next generation while maintaining a strong commitment to charitable giving. Proper planning and paperwork will be essential, but this is an opportunity many families will want to explore.Qualified Charitable Distributions: A Missed Opportunity for ManyOne of the most underutilized tax strategies Kevin sees involves Qualified Charitable Distributions (QCDs)—and it always surprises me how many people don’t know about them.If you’re 70½ or older, you can give directly from your IRA to a qualified charity and exclude that distribution from taxable income. Once you reach the age for required minimum distributions (RMDs), this becomes even more powerful. Instead of taking the distribution, paying taxes, and then giving what’s left, you can give directly—often satisfying your RMD without increasing your tax bill.And this isn’t limited to small amounts. You can give up to $100,000 per year through QCDs. It’s one of the most effective charitable strategies available, especially for retirees who want to give generously while managing their tax burden wisely.Stewardship with PurposeTaxes can feel complex, frustrating, or even discouraging—but they don’t have to be. When we view them through the lens of stewardship, they become another opportunity to align our financial decisions with God’s purposes.Kevin Cross brings both expertise and encouragement to this conversation, reminding us that wise planning isn’t about fear—it’s about faithfulness. If you’d like to learn more about Kevin and his work, you can visit KevinCrossCPA.com.As we close out the year, our prayer is that your financial decisions reflect gratitude for what God has provided—and confidence that He will continue to lead you as you steward it well.On Today’s Program, Rob Answers Listener Questions:I have about $135,000 in my 401(k), and my home is worth around $100,000. Would it be advisable to cash out my 401(k) to pay off my house?I was recently told about a fixed-rate annuity offering a 22% bonus immediately. Does that sound like a good opportunity, or is it too good to be true?My mother-in-law, who’s still living, deeded my husband five and a half acres out of a 13-acre property. We’re considering selling that portion to his sister and want to understand the tax implications—what tax rate applies, whether there’s an inheritance tax, and how that works.Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Kevin Cross, CPAWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
Christmas is meant to be a season of joy—but for many of us, it becomes a whirlwind of overspending, overcommitting, and feeling overwhelmed. The good news? It doesn’t have to be that way. With a bit of planning and the right perspective, you can slow down, simplify, and savor what truly matters.Today, Crystal Payne—creator of MoneySavingMom.com—shared practical ways to simplify Christmas while keeping your heart centered on Christ. Here’s a look at her best advice for making this season more peaceful, meaningful, and budget-friendly.Rediscover the Meaning of ChristmasBefore diving into logistics or budgeting, Crystal encourages families to anchor the season in what matters most.1. Practice Daily Advent ReflectionsHer family uses Ann Voskamp’s Advent book, complete with ornaments and daily devotionals. The readings are short, kid-friendly, and a gentle, daily reminder of the story at the heart of Christmas.2. Create a Family Giving ProjectEvery December, Crystal’s children choose a giving project—something meaningful to them—and the whole family contributes. The kids even make donation boxes and help gather change throughout the month. It’s a hands-on way to practice generosity and keep the focus on others.Simplify Your Gift ListFor many people, gift-giving is the biggest stressor in December.Crystal recommends asking yourself:Who do I feel I should buy for?Who do I want to buy for?What budget do I realistically have?If your list and budget don’t match, consider simplifying:Family gifts instead of individual giftsExperience gifts rather than itemsHomemade or low-cost gifts, especially for people who “have everything”Crystal’s free Christmas guide at MoneySavingMom.com includes 15 simple DIY gift ideas—from movie-night boxes to Sharpie-designed mugs to homemade baked goods.Keep Spending in CheckOverspending is easy at Christmas—but planning helps.Save Throughout the YearIt’s too late for this season, but Crystal encourages starting a Christmas sinking fund in January. A little each month makes December much lighter.Use Gift Cards as Your BudgetIf you shop online, buying prepaid gift cards (or using ones earned through surveys or reward apps) helps you avoid overspending. When the card is empty, the shopping is done.If money is tight this year, you still have wonderful options:Homemade food gifts: cookie dough, loaves of bread, granola, sweet breadsExperience gifts: monthly treats, babysitting, laundry help, home-cooked mealsSentimental gifts: photo books, recipe collections, handwritten lettersThese gifts often mean more than store-bought items because they’re personal, thoughtful, and memorable.Make Holiday Cooking EasierFood prep can dominate December, but Crystal suggests planning ahead:Make a list of everything you hope to cookShop ahead of timePrep and freeze items like cookie dough, rolls, sweet breads, or dessertsTake shortcuts when needed—premade dough or bread can be inexpensive and time-savingA few hours of prep can give you more space for the moments that matter.Plan Meaningful Family Time (Without Overfilling Your Calendar)Crystal offers several delightful ideas to create memories without adding stress.1. Make a December Bucket ListEach family member chooses one or two special activities. That’s it. This keeps the schedule joyful rather than jam-packed—and ensures you’re doing what everyone actually values.2. Wrap and Read Christmas BooksWrap books you already own and open one each day in December. Kids love the anticipation, and it becomes a shared daily moment.3. Celebrate Early as a FamilyBecause they travel to visit extended family, Crystal’s family sets aside a full “Christmas Day” together the week before. It allows them to savor time at home without rushing through traditions.Stay Organized and Reduce StressCrystal’s top principle: Ask, “How can I make this easier?”A few of her go-to strategies:Write everything down – brain dump into Google Calendar so it’s not “living in your head.”Time-block your to-dos – small chunks of planned tasks prevent last-minute chaos.Share the workload – say “yes” when someone offers help. Ask guests to bring a dish. Let kids take part in preparations.Simplifying isn’t just about doing less—it’s about doing what matters most with more peace.Crystal’s brand-new resource includes:15 DIY gift ideasFood gifts, homemade gifts, and simple creative optionsIdeas to simplify and save money this ChristmasYou can download it for free at MoneySavingMom.com.A Final WordCrystal’s wisdom reminds us that Christmas doesn’t need to be hectic or expensive to be meaningful. With planning, intention, and a focus on Christ, you can give joyfully—not regretfully.And if you’re looking for help managing your Christmas budget—or planning for any financial season—the FaithFi App can be a tremendous toolkit. It’s designed not just to track your spending, but to help you align every financial decision with biblical wisdom.Download the FaithFi app at FaithFi.com or search FaithFi in your app store.May your Christmas be simple, joyful, and centered on what matters most.On Today’s Program, Rob Answers Listener Questions:I recently learned that Illinois has an estate tax threshold of $4 million, and my estate is already above that and growing. What kind of planning should I be doing now to prepare for it?What is the quickest and most affordable way to set up a durable power of attorney for financial, legal, and healthcare decisions?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)MoneySavingMom.comThe Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most by Crystal PaineUnwrapping the Greatest Gift: A Family Celebration of Christmas by Ann VoskampWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
Faith shapes every part of life—not only what we believe, but how we spend, save, invest, and give. Every financial decision reveals something about what we value, trust, and treasure most. That’s why conversations about money are never just about budgets or balances; they’re deeply spiritual.Today, Afton Phillips, our Head of Content at FaithFi, joins the show to talk about how our faith reshapes the way we steward God’s resources. This conversation grew out of our upcoming 21-day devotional, Our Ultimate Treasure, and the themes behind it.The Heart Behind the New DevotionalAfton has been shaping this project from its earliest concept to its final pages. She shared that when she first joined FaithFi, she longed for a place where people could revisit core biblical principles—not simply hear them once, but reflect on them deeply.“Money isn’t just about math,” Afton said. “It’s really about our hearts.”The devotional walks readers through foundational truths:God owns it all.Money issues are heart issues.Our financial lives are deeply connected to our spiritual formation.If that’s true, then what we need isn’t a formula—it’s space with God. Scripture. Prayer. Reflection. This devotional is designed to help readers slow down long enough to allow God to reshape how they see and handle money.Redefining Success: What We Surrender, Not What We StoreOne of the early themes in Our Ultimate Treasure is the truth that God doesn’t measure success by what we store up, but by what we surrender.We’re all tempted to believe that just a little more—more savings, more security, more achievement—will finally bring peace. But no amount of accumulation ever delivers the rest our souls crave.True biblical success is about formation more than finances.Are we growing in Christlikeness?Are the fruits of the Spirit becoming more evident in our lives?Are we learning to let go of fear, control, and comfort so God can shape us?When surrender becomes the lens, money stops being a monument to ourselves and becomes a tool for becoming more like Jesus.Restoring Purpose in Our WorkAnother key section of the devotional explores a truth we often forget: work is not a curse—it’s a calling.From the very beginning, God designed work as something good. Not something we merely do to earn or survive, but something through which we participate in His redemptive mission.Your desk, job site, classroom, or kitchen table isn’t just a workplace—it’s holy ground. Your work is one of the primary arenas where God shapes your character and blesses others through you.Why Margin Matters for Faithful StewardshipMargin is one of the most important threads running through the entire devotional.Afton put it simply:“Margin creates space for God to move.”When we max out:our moneyour timeour energyWe leave no room to listen, pause, or respond to God’s leading.Margin isn’t restrictive. It’s freeing. It enables generosity, rest, trust, and wise decision-making. It’s one of the clearest marks of faithful stewardship.The Power of Wise CounselMoney can feel personal—sometimes even private. But Scripture is clear: we’re not meant to navigate finances alone.Every day, callers to our program remind us how many people long for guidance, encouragement, and clarity. That’s why we devoted an entire day in the devotional to seeking wise counsel.Afton shared:“When we invite wise counsel into our lives, we begin to see things we might have missed.”That’s also why Certified Kingdom Advisors (CKA) exist—to help believers apply biblical principles to their real-life financial situations. You can find one at FindaCKA.com.Generosity Rooted in Grace, Not GuiltIf there’s a single thread that runs through the whole devotional, it’s generosity.But not guilt-driven generosity. Grace-driven generosity.We give because God has first given to us—lavishly, sacrificially, joyfully. When we understand His grace, generosity becomes something we get to do, not something we feel pressured into.Every act of giving becomes an act of worship.A Devotional Designed for Reflection, Beauty, and FormationOne of the most unique aspects of Our Ultimate Treasure is its built-in rhythm of reflection.Each day includes:ScriptureA devotionalGuided reflection questionsA written prayerBeautiful, thoughtful imageryThe artwork itself invites contemplation. Everyday images—like a simple desk—are visually transformed to reflect biblical truth, reminding readers that God reshapes the way we see everything, even our work and money.This devotional was designed not just to be read, but to be experienced.Finishing with What Truly Lasts: Eternal RewardsThe final day draws us back to what matters most: our ultimate treasure is Christ Himself.Earthly wealth fades. Opportunities change. Seasons shift. But our life in Christ—His presence, His love, His Kingdom—endures forever. Afton summed it up beautifully:“What are we investing in that will matter in a thousand years? That’s eternal treasure.”Experience Our Ultimate TreasureIf you’d like to journey through this 21-day devotional yourself, we would love to send it to you as part of the FaithFi Partner Program.With a monthly gift of $35 or a one-time gift of $400, you’ll receive year-long benefits, including early access to studies, devotionals, and our Faithful Steward magazine.You can learn more at FaithFi.com/Partner.On Today’s Program, Rob Answers Listener Questions:I have Roth and traditional IRAs, plus taxable investments with large capital gains. My advisor suggested direct indexing last year, so I opened a small-cap account. It’s up slightly overall but includes about a 19% loss I could use to offset gains. I also give appreciated stock to charity, but I need some funds for living expenses. My question is: Is direct indexing a biblically sound strategy, or is it problematic in any way? And how do you tell the brokerage which companies you don’t want to own? Do you specify which types of businesses to exclude?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
As the year winds down, most of us feel the crunch of holiday travel, family gatherings, and a calendar that fills up faster than we expect. But this season also offers something incredibly valuable: a natural pause. A moment to look back, look ahead, and make sure our financial lives still reflect the things—and the people—we care about most.To help us think through this year-end reset, we sat down with Cole Pearson, President of Investment Solutions at OneAscent, a family of companies committed to helping believers invest in alignment with biblical values. Cole shares practical, hope-filled steps to set your finances on a firm footing as you head into a new year.Start With What Matters Most: Your ValuesBefore crunching numbers or updating accounts, Cole suggests beginning with the why behind your financial decisions.“As the year winds down,” he says, “it’s the perfect time to pause and make sure our financial life still reflects our actual life—our goals and values.”This is the heart of wise stewardship. Money isn’t the goal; it’s a tool. And when our tools aren’t aligned with what matters most, our decisions can drift.Cole encourages families to sit down—whether with a spouse, children, or even a financial advisor—and ask a simple but powerful question:“What is most important for us to reflect through our financial life?”These conversations reconnect us with the things God has entrusted to us: people, opportunities, relationships, and resources. When your values are clear, your financial decisions begin to tell a consistent story.The Three Lenses for a Year-End CheckupTo help families gain clarity, OneAscent uses three helpful “lenses” that offer a holistic view of stewardship. Each one enables you to assess where you are and where God may be inviting you to grow.1. Perspectives: How You Think and Feel About MoneyEvery financial decision begins with a mindset. Do you naturally want to give? Save? Spend? Invest?None of these instincts is wrong—money is simply a tool. But understanding how God has wired you helps you use that tool intentionally rather than reactively.2. Priorities: What Matters Most to Your FamilyOnce your perspectives are clear, it’s time to identify your priorities.Is this season about legacy?Providing stability for your family?Creating margin for relationships?Leaning more fully into generosity?“When you know your top priorities,” Cole says, “you can give every dollar a job. It brings focus and direction to your plan.”3. Milestones: What’s Changing in Your Life?The end of the year is a great time to reflect on transitions:A new jobA retirementA new child or grandchildA loss in the familyA health changeLife transitions always put money in motion. Recognizing them early allows you to adjust your financial plan before drifting off course.Together, perspectives, priorities, and milestones provide a complete picture of your financial health—and help ensure your plans align with your values.Preparing for the Year Ahead Through Intentional GenerosityFor many families, generosity naturally comes up during year-end reflections. The holidays remind us that giving is both worship and witness—an expression of God’s grace through us.Cole encourages families to approach generosity as intentionally as investing.“Whether you’re investing or giving,” he says, “we think of both as investing God’s resources. We want all of it moving in the same direction—reflecting the same values.”Talking about generosity as a family:Fosters unityClarifies your shared purposeCreates a legacy of open-handed livingThis is a season when many families give. But it’s also the perfect time to ask: “How can our giving reflect what we believe most deeply?”Considering Faith-Based Investing in 2026Some listeners may be feeling a nudge toward Faith-Based Investing in the coming year. If so, Cole suggests an easy first step: screen your current portfolio.“Start by asking what you’re invested in that may not align with your faith,” he says. Screening helps identify areas where your dollars are unintentionally supporting companies or causes that conflict with biblical values.From there, you can begin redirecting your investments toward companies that create blessing, contribute to human flourishing, and reflect God’s heart.This simple exercise can lead to a powerful sense of alignment between your faith and your finances.Explore Values-Aligned Investing With OneAscentOneAscent exists to help believers invest with clarity and conviction—directing capital toward companies that make a positive impact and reflect biblical values. To learn more or begin screening your own portfolio, visit: OneAscent.com/FaithFi.It’s a great next step as you prepare to start a new year with purpose, unity, and renewed stewardship.On Today’s Program, Rob Answers Listener Questions:I’ve been offered a small settlement after several years of litigation. My attorney recommends taking it rather than dragging things out, but I’m unsure whether to accept or keep fighting. What’s your advice?I started collecting Social Security at 65, but I keep getting emails saying Donald Trump will end Social Security and raise the retirement age to 70. Even Social Security couldn’t confirm anything. I’m worried—what should I do if those benefits disappear?I’m almost 62 and considering taking Social Security early at $1,800 instead of waiting until 67 for $2,400. I’ve heard the break-even point means waiting may not pay off. If I keep working and invest the benefits, how does that affect things? Should I take it now or hold off?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)OneAscentWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
New tax laws are on the horizon—and they could significantly influence the way you give. The recently passed One Big, Beautiful Bill Act (often shortened to the OBBBA) introduces several changes that affect charitable givers today and in the years to come. To help unpack these shifts, we sat down with Bruce McKee, attorney and Senior Vice President of Complex Gifts at the National Christian Foundation (NCF).What the OBBBA Actually DoesDespite its cheerful name, the OBBBA carries serious implications for donors. Bruce explains that the bill makes permanent many provisions that were originally scheduled to expire at the end of 2025 under the 2017 Tax Cuts and Jobs Act. Key extensions include:Higher standard deductionsHigher estate tax exclusionsNew deduction floors for charitable giftsA new limit on itemized deductionsExtended business deductionsUpdated rules for university endowment taxesThese changes will affect different givers differently, but nearly everyone will feel the impact of the new standard deduction.The Standard Deduction Gets Bigger—AgainThis update alone affects roughly 90% of taxpayers.The OBBBA permanently extends the increased standard deduction and even boosts it for the 2025 tax year:Individuals: $15,750Married couples filing jointly: $31,500Because the standard deduction is now higher, fewer people will itemize. And when giving is lumped under the standard deduction, charitable gifts are no longer deductible.But there’s a powerful workaround.If you want to maximize your tax benefits while maintaining your giving rhythms, “bunching” can help. Bunching means:Grouping several years’ worth of charitable gifts into a single tax yearItemizing in that year, instead of taking the standard deductionUsing a donor-advised fund (DAF)—such as an NCF Giving Fund—to distribute gifts gradually over future yearsA giving fund works like a charitable checking account—a powerful tool for strategic, tax-efficient generosity. Bunching is especially impactful when paired with gifts of appreciated assets.New Charitable Deduction Floors Coming in 2026Beginning in 2026, charitable deductions will include a “floor”—a small portion of giving that won’t be deductible at all.For IndividualsOnly the amount of charitable giving above 0.5% of your Adjusted Gross Income (AGI) will be deductible. Here’s an example:AGI = $200,0000.5% floor = $1,000Whether you give $20,000 or $40,000, the first $1,000 is not deductible.For CorporationsA similar rule applies, but the floor is 1% of taxable income.Why This MattersThis floor means that givers with large AGIs—especially in high-income years—should consider giving earlier, before 2026 arrives. Strategic timing will matter more than ever.Even high-capacity donors who itemize may benefit from bunching in alternating years.New Limits on Itemized DeductionsThe OBBBA also introduces a “haircut” affecting all itemized deductions—not just charitable ones.Because the highest tax bracket (37%) is now permanent, itemized deductions typically reduce income taxed at that rate. But beginning in 2026:Deductions in the highest bracket will be valued at 35 cents per dollar, not 37.It’s a relatively small shift, but it slightly increases tax liability and adds another layer of planning complexity. Once again, Bruce recommends intentionally reviewing giving strategies before the 2025 year closes.Estate and Gift Tax Exclusions: Higher and More StableThe OBBBA also stabilizes estate planning by raising the estate and gift tax exemption to:$15 million per individual$30 million for married couplesThese thresholds—once set to sunset back to near half—are now permanent (as permanent as tax law can be). This gives families greater clarity as they plan inheritances and consider charitable tools like trusts or family foundations.When people settle their estate planning, it often helps them focus their hearts on where God is calling them to give—what Ron Blue usually describes as “giving while you’re living so you’re knowing where it’s going.”Good News for Non-Itemizers: The Above-the-Line Charitable Deduction ReturnsBeginning soon, non-itemizers will be able to deduct modest charitable amounts:$1,000 for individuals$2,000 for married couples filing jointlyThis applies to cash gifts made to churches and public charities. It’s a welcome incentive for households that rely on the standard deduction.Navigating Change with WisdomThe tax landscape may shift, but God’s call to generosity never does. Thoughtful planning ensures you can give joyfully, efficiently, and impactfully.If you want to steward God's resources with greater intentionality, a Giving Fund through the National Christian Foundation can help you:Maximize tax benefitsSimplify your givingSupport ministries you loveInvest funds for future generosityYou can open one in just a few minutes at FaithFi.com/NCF.On Today’s Program, Rob Answers Listener Questions:My husband and I are turning 68 and need to move from our two-story home into a one-story house. We’re considering new construction, but we’d either need a small mortgage or withdraw $50–60,000 from our 401(k). Our income is stable—he gets $3,000 from Social Security, and I make about $2,000. We manage fine month to month. Which option makes more sense?I’m 73, single, living on Social Security with excellent credit and no debt besides a small monthly charge card. I’m looking into either a HELOC or another home-equity option so I can access some of my home’s value to help others before I pass away. What’s the best way to proceed?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF) Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
When hope is tied only to a desired outcome, disappointment becomes inevitable. Katherine Wolf knows this truth more personally than most. At just 26, with a newborn in her arms and a lifetime ahead of her, she suffered a massive and unexpected stroke that changed everything.Today, through her writing, speaking, and nonprofit ministry Hope Heals, Katherine invites others into a deeper, sturdier hope—one that can withstand even the darkest valleys.On today’s show, she joins us to share her journey: how suffering reshaped her faith, her understanding of God’s goodness, and even her family’s finances.A Life Forever ChangedIn 2008, without warning or symptoms, Katherine experienced a catastrophic brainstem stroke caused by a congenital condition she never knew she had—an arterial venous malformation (AVM). Overnight, she went from fully able-bodied to fighting for her life.A 16-hour surgery saved her, but her new reality included significant impairments. Today, she uses a wheelchair, has facial paralysis, reduced function in her right hand, and additional physical limitations. Still, she radiates joy and purpose.“I did live—and I’m doing great,” she says with her trademark resilience.Katherine describes the stroke as the moment “the pebble hit the metal”—a collision between everything she had learned about Jesus and the hardest chapter of her life.Years of Scripture, sermons, prayer, and discipleship prepared her for a moment she never imagined. “This is no longer a drill,” she remembers telling herself. Her long walk with Christ, though imperfect, had built a foundation strong enough to stand when everything else fell apart.In her memoir Hope Heals, she writes that suffering is not the end of the story—but the beginning of a new one. Christian hope does not deny pain; it declares that pain will not have the final word.Katherine’s more recent book, Treasures in the Dark, draws from Isaiah 45:3—God’s promise to give “hidden treasure” in the shadows of our lives so we might know Him more deeply.“If we must walk through darkness—and we all do at some point—why not gather the treasure God has placed there?” she asks. In other words, don’t waste your pain. Let God use it to form you, deepen you, and show you His faithfulness in ways comfort never could.Hope Heals: A Ministry Born from SufferingOne of the greatest treasures to emerge from Katherine’s hardship is Hope Heals, the nonprofit she and her husband, Jay, founded.Hope Heals CampTheir flagship outreach is a fully scholarship-supported summer camp for families affected by disability. Guests experience rest, community, and the love of Christ through what Katherine calls “inter-ability community”—people with and without disabilities sharing life together.Volunteers and families leave forever changed. The joy is contagious.Mend Coffee ShopIn Atlanta’s Buckhead neighborhood, Hope Heals also operates Mend, a universally accessible coffee shop that employs people with disabilities and creates a space where everyone belongs.Katherine describes both initiatives as “glorious,” a word she uses often—and always with delight.The Financial Realities of SufferingMedical crises don’t just affect the body; they often reshape a family’s finances. Katherine knows this firsthand.When disability or sudden illness enters a story, she notes, “the finances can be ravaged.” Many families drain savings, take on debt, or scramble to fund treatments and therapies.But Katherine also speaks about “invisible wheelchairs”—the unseen burdens that hold people back. Financial instability, she says, can be one of the most crippling.Her encouragement? Everyone carries some kind of hardship. You are not alone. God gives us community and wisdom so we don’t walk these valleys in isolation.For Katherine, surrender has become a central theme of her spiritual life, including how she views money.“Surrender is relief,” she says. “It’s not God binding us up—it’s letting Him take the wheel.”This posture doesn’t magically erase financial challenges, but it reframes them. It anchors us in trust rather than fear. And it reminds us that provision comes from God, not our own strength.Hope for Anyone Facing UncertaintyKatherine’s story speaks to those walking through overwhelming medical challenges—but her final encouragement reaches everyone, regardless of circumstances.Trusting God means you don’t have to live afraid of what may happen next.Your circumstances may feel anything but okay, but when Christ lives in you, the deepest good in your life is already secure.“The good things of God,” she says, “are not external—they’re inside of you when you know Him.”That truth allows us to face uncertainty with confidence, surrender our financial fears, and discover a hope that holds—no matter the storm.Learn MoreTo explore Katherine’s ministry or support her work, visit HopeHeals.com.If you're near Atlanta, stop by Mend coffee shop in Buckhead—a place of belonging, beauty, and community. Katherine will also be speaking at the upcoming Kingdom Advisors Conference, where thousands of financial professionals gather to grow in biblical wisdom and stewardship. Learn more at RedeemingMoney.com.On Today’s Program, Rob Answers Listener Questions:I invested based on the advice of a family friend who said it was guaranteed, but I lost $15,000. I’m single, I don’t have much, and I was expecting this investment to return about $25,000. Now I’m just praying I’ll have enough for rent next month. I’m calling to ask how I can recover from something like this.I have some real estate properties I want to leave to my children, and I’ve heard that putting them in a trust can help avoid capital gains. Do I need a trust for that? And should I also have a will?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Hope Heals | Hope Heals Camp | Mend Coffee & GoodsHope Heals: A True Story of Overwhelming Loss and an Overcoming Love by Katherine and Jay WolfTreasures in the Dark: 90 Reflections for Finding Bright Hope Hidden in the Hurting by Katherine Wolf with Alex WolfWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
We check the markets often—but how often do we check our hearts? Most of us approach investing with calculators, not character. Yet Scripture calls us to a deeper way. What if investing isn’t just a financial activity but a spiritual practice—one that shapes who we’re becoming?Tim McCready, Head of Global Advisory at BrightLight (part of the Eversource Wealth Advisors team), has been helping both Kingdom Advisors and FaithFi develop a theological framework for investing that aligns our portfolios—and our hearts—with God’s purposes. His recent work explores how timeless spiritual disciplines can transform how believers think about investing.Why Investing Requires a Spiritual LensTim begins with Jesus’ words in Matthew 6: “Where your treasure is, there your heart will be also.” That’s not just a warning—it’s an insight into spiritual formation.“Our investment decisions aren’t just a reflection of faithfulness,” Tim says. “They’re shaping who we’re becoming as we seek to be like Jesus.”When we invite God into our investment decisions, investing becomes more than strategy—it becomes worship. It becomes one more place where we ask God to form us into faithful stewards.The Ignatian Prayer of Examen—For InvestorsOne of the most compelling ideas Tim introduces is applying the historic Ignatian prayer of examen to our portfolios.For centuries, believers have ended their day with this reflective practice—examining God’s presence, confessing sin, noticing grace, and preparing for tomorrow.Tim suggests: What if investors practiced something similar?Rather than viewing portfolios strictly through analysis or performance, the examen helps us approach them with discernment, surrender, and spiritual attentiveness.Step One: GratitudeGratitude quiets the noise and recenters us on God’s generosity. Before looking at performance or market movements, Tim encourages investors to pause and thank God for His provision.It might sound something like:“Heavenly Father, thank You for the gifts You’ve entrusted to me—including my investment portfolio. Speak to me about my stewardship, challenge me, and remind me of Your faithfulness as I draw near to You.”Gratitude reframes everything. It reminds us that portfolios are gifts to steward—not trophies to admire nor securities to cling to.Step Two: ReviewJust as the daily examen invites believers to review their day, the investing examen invites us to review each line of our portfolio with prayerful reflection.This simple discipline lifts our eyes beyond numbers to the impact our investments have on people, communities, and the world.As Tim notes, “We may find both joy and conviction—joy where God is pleased, and invitation where He’s calling us to change.”Step Three: Repentance and RenewalThis is where the examen moves from reflection to transformation.Perhaps we discover that we’ve placed too much security in our portfolio. Perhaps a certain investment feels misaligned with God’s desires. Perhaps God prompts us toward greater generosity.Repentance helps us acknowledge these areas honestly—and renewal invites us to receive God’s forgiveness and step forward in faith.A simple prayer might be:“Gracious Provider, rule over every part of my life, including my investments. Forgive me for trusting wealth over You. Give me courage to act where You lead, and joy in following Your plan for my life.”This step reorients our trust away from the market and back toward the One who “owns the cattle on a thousand hills.” (Psalm 50:10)Step Four: Community and AccountabilityThough investing can feel private, it was never meant to be isolated.We grow best in community. Sharing a budget or portfolio with a trusted friend or mentor is humbling—but powerful. Accountability exposes blind spots, clarifies values, and encourages faithfulness.Whether through a small group, a stewardship class, or a community like the FaithFi app, transparency invites God’s wisdom through God’s people.Step Five: Fasting from Market NoiseWe live in an era of constant market updates, by the day, hour, and minute. Tim points out that this flood of data gives the illusion of control while feeding anxiety.A spiritual practice of “fasting” from market noise—checking less often, turning off notifications, stepping back from constant updates—helps us rest in God’s provision instead of reacting to every market swing.Jesus’ question echoes here: “Who of you by worrying can add a single hour to his life?” (Matthew 6:27) Or, as Tim puts it, “add a single cent to your portfolio?”Step Six: ServiceSpiritually formed investors naturally turn outward. Financial experience is a gift meant to serve others—whether through mentoring, teaching budgeting, serving on a church finance committee, or helping younger believers develop healthy habits.Service transforms stewardship from something we manage to something we multiply.A Holistic Vision of Faithful InvestingWhen we bring together gratitude, review, repentance, community, fasting, and service, we begin to see investing not as a sterile financial exercise but as a rhythm of worship.“Investing is faithfulness,” Tim reminds us. “It forms us. It shapes us as disciples. A biblical approach to investing isn’t measured only by returns, but by spiritual formation.”In other words, investing becomes a way to follow Jesus. A biblical worldview of investing doesn’t start with performance—it begins with the heart. When we invite God into our investing, He uses even financial decisions to form us into the likeness of Christ.May our portfolios—and our hearts—reflect the One who has entrusted everything to us.On Today’s Program, Rob Answers Listener Questions:I worked hard to raise my credit score to about 730, but a miscommunication with my student loan led to a late payment and brought it down to 548. The issue is fixed, and the account is current, but my score is still low. How long will it take to recover if I keep making on-time payments?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
When two faith-based financial institutions come together, the goal isn’t simply to grow in size—it’s to grow in Kingdom impact. That’s precisely what’s taking place with the launch of AdelFi Christian Banking, a newly unified identity shaped by a shared mission to honor Christ and serve His people.Recently, we sat down with Aaron Caid, Chief Marketing Officer at AdelFi Christian Banking, to talk about how this merger came together, why the new name matters, and what it means for Christians who want their finances to reflect their faith.A New Identity Rooted in ScriptureAccording to Caid, the new name is much more than rebranding—it’s a declaration of purpose.“Our new name and identity are a visual representation of what we desire to accomplish with the merger,” he explains. The name AdelFi is derived from the Greek word adelphos, which is used more than 300 times in the New Testament to describe brothers and sisters in Christ.“That’s who we are,” Caid says. “Staff, members, and ministries—coming together as a family of believers to build a financial institution centered on Christ and dedicated to advancing God’s Kingdom.”The addition of the phrase “Christian Banking” is equally intentional—a bold statement about who they serve and the mission that drives them.The merger was completed on December 1, and throughout 2026, AdelFi Christian Banking will progressively roll out its new brand identity. Milestones include a new website in Q2 and an enhanced digital banking experience in Q3.Combining Strengths for Greater Kingdom ImpactWhat happens when two long-standing Christian credit unions combine their gifts and experience? Caid says the result is far more powerful than the sum of its parts.Both AdelFi and Christian Community Credit Union (CCCU) bring decades of ministry-focused service—over 125 years combined. Each also carries a unique tradition of generosity:AdelFi tithes 10% of its earnings to Christian ministries and mission-sending organizations.CCCU donates a portion of every debit and credit card swipe to Christian causes—over $6.5 million given to date.“Together, we will amplify our giving,” Caid notes. “And with our union, we will form the nation’s largest Christian credit union, creating a digital-forward banking experience that honors God and meets members wherever they are.”The merger also expands lending capacity for churches, ministries, and Christian businesses—allowing more Kingdom-minded projects to flourish.Strengthening the Christian Banking MovementChristian banking is still a small, often overlooked sector. But Caid believes this merger marks a turning point.“Most Americans don’t even know a Christian banking option exists,” he says. “By merging, we’re aligning resources to create more awareness, more growth, and more impact.”With AdelFi Christian Banking emerging as the clear leader in this space, Caid hopes believers increasingly see banking as an area of stewardship—not just convenience.“Our desire is to be the go-to financial solution for Christ followers who seek to align their finances with their faith,” he says. “We want to help steward God’s resources to His glory.”Why Christian Banking Is Countercultural—and NeededCaid acknowledges that choosing a Christian financial institution is, in many ways, a countercultural move.“We’ve seen a major shift among Christians who are fed up with secular banks using their funds for causes that don’t align with their values,” he explains.Believers want their money—God’s money—to be managed with integrity and used to advance gospel-centered work.“That’s why we’re boldly stating there is a quality alternative,” Caid says. “A place where your finances are stewarded in ways that reflect biblical priorities, not worldly ones.”The creation of AdelFi Christian Banking reflects a unified vision, a strengthened mission, and a renewed commitment to serving Christ’s people well. For those seeking to align their financial lives with their faith, this merger offers a meaningful way forward.To learn more about AdelFi Christian Banking or explore opening an account, visit: FaithFi.com/Banking.On Today’s Program, Rob Answers Listener Questions:I was offered a $45,000 loan at 8.675% for 20 years. I could use it to pay off two loans—one at 10.44% and one at 9.84%—and still have $15,000 left over. If I then put an extra $300 a month toward the new loan, is this a good deal?I’m 65 with a little over $1 million in a traditional IRA. Should I start converting some of it to a Roth before I have to take RMDs at 73?I budgeted $25,000 for a remodel. The contractor offered 0% financing for 72 months, bringing the cost to $21,000 with a $3,000 down payment—or I could pay cash and get an extra 5% discount by putting $6,000 down. Should I take the 0% option to keep more cash on hand? And will it affect my credit score?We owe $56,000 on our mortgage. I could pull from my retirement to pay it off, but that would nearly drain the account. Would it be wise to do that and then redirect the mortgage payment into investing?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)AdelFi Christian BankingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn’t a badge of honor. It’s a warning light. When life feels out of balance, it may be a sign we’re pushing beyond the limits God lovingly designed for our good.Today, we sat down with Carey Nieuwhof—pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor, leadership expert, and host of the Carey Nieuwhof Leadership Podcast, as well as the founding pastor of Connexus Church—to talk about how Christians can pursue biblical rest and renewed purpose. Carey’s insights come not from theory, but from the deepest valley of personal experience.When Success Masks ExhaustionCarey’s story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing.After returning from a high-profile speaking event, Carey hit a wall:“It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.”People around him saw the signs. He didn’t. And that’s often the story behind burnout—others notice the warning lights long before we do.Carey describes burnout as “the gap between what you’re capable of and what you’re carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation.Yet today, two decades later, he leads a much larger platform with far more influence—without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus.Managing Energy, Not Just TimeMany Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls.Every person has what Carey calls a “green zone”—a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it’s morning. For others, it might be midday or evening.His challenge is simple: Do what you’re best at when you’re at your best.When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners.Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness.Carey explains:Saying yes to every request eventually forces you to say no to the people who matter most.Delegation is a spiritual discipline.Some opportunities, even good ones, don’t align with God’s call in a particular season.By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years.Rest Is Not a Reward—It’s DesignFor many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling.Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court.Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness.For Carey, the principles of rest and margin extend well beyond the calendar.A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish.Margin creates room to love well, give freely, and listen to God’s direction.Living at Your BestCarey’s journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design.He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey’s whole story—and the principles he teaches in his book At Your Best—offer a roadmap for anyone seeking balance, health, and spiritual renewal.For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast. And if you’re an advisor, he’ll be joining us at Redeeming Money, our conference for financial professionals, in February.May you learn to live—not at your limit—but at your best, in the freedom and rest God provides.On Today’s Program, Rob Answers Listener Questions:Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I’ll be mostly debt-free, and since longevity doesn’t run in my family, I’m wondering if it makes sense to claim early while my quality of life is higher and still work within the income limits.When should someone update their will? I’m 58, debt-free, still working, and have a solid 401(k). Should I consider setting up a trust, and how do I know when that becomes the wise choice, especially since it costs more?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor by Carey NieuwhofDidn't See It Coming: Overcoming the Seven Greatest Challenges That No One Expects and Everyone Experiences by Carey NieuwhofThe Carey Nieuwhof Leadership PodcastRedeeming Money 2026: A Kingdom Advisors ConferenceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
Giving Tuesday has become a global moment to celebrate generosity. But for believers, it can be much more than a once-a-year opportunity to give. It can become a catalyst to cultivate a lifestyle of intentional, joy-filled stewardship all year long.Today, we explore how to give with both heart and wisdom—so that our generosity reflects God’s purposes, not merely the moment. Joining the conversation is Al Mueller, founder and CEO of Excellence in Giving and former executive with Morgan Stanley and UBS.Beyond the Moment: What Giving Tuesday Really RepresentsFor Al Mueller, Giving Tuesday is more than a charitable trend—it’s an invitation.“Giving Tuesday is a great opportunity to begin acting on generosity,” he says, “but it’s also a moment to pause and align with God’s purposes.” Al reminds us of Paul’s words in 2 Corinthians 9:7: “Each one must give as he has decided in his heart… for God loves a cheerful giver.”In other words, generosity is more than an impulse. It is an act of worship. Giving Tuesday can be a spark, but intentional stewardship is the flame that keeps burning throughout the year.Al summarizes biblical giving with a simple idea: “God gave us both a head and a heart—He didn’t say pick one.”Wise stewardship holds both together:The heart expresses compassion, joy, and worship.The head evaluates impact, effectiveness, and alignment with God’s purposes.Stewardship looks at the Kingdom outcomes we long to see and asks how we can best contribute to them. Some giving is planned, some spontaneous—but all of it can be intentional.Helping Donors Give With ExcellenceAt Excellence in Giving, Al and his team equip high-capacity givers—often those giving $1 million or more annually—to make well-informed, impactful decisions. They offer research, due diligence, and accountability that help donors shift from reactive to proactive giving.But these principles, Al emphasizes, are not reserved for the ultra-wealthy.“Everyone can do their own homework,” he says. “Everyone can ask good questions. Everyone can give intentionally.”Whether you’re giving $50 or $50,000, evaluating ministries wisely matters. Al recommends starting with three core questions:What problem is the ministry trying to solve?What do they believe is the root cause of that problem?What measurable results have they seen?Healthy ministries provide clear reporting, measurable outcomes, and transparent leadership. They welcome questions and view accountability as part of discipleship.Key indicators to review include:Leadership stabilityDonor and staff retentionClear communicationTransparent financial practicesEvidence of life changeStrong ministries don’t hide their results—they celebrate them.Red Flags: When to Think TwiceJust as there are markers of strong ministries, there are warning signs that should prompt caution:Vague vision without a clear planEmotional pressure or over-spiritualizing resultsLack of reporting or unwillingness to share outcomesOver-dependence on a single donorRepeated urgent appeals for fundsAl calls vague visions “ministry hallucinations”—dreams without blueprints. Just as you wouldn’t build a house without plans, you shouldn’t fund ministry without clarity.A Growing Trend: Collaborative GivingOne of the most exciting developments in philanthropy today is collaborative giving—donors pooling resources to make a larger, more strategic impact.Pooling resources:Helps ministries secure larger grantsReduces duplicationSaves ministries' valuable timeStrengthens unity within the body of Christ“This model lets donors and ministries accomplish something bigger together,” Al explains.No donor wants to micromanage, and no ministry seeks to be controlled. But accountability doesn’t mean control—it means clarity.Al puts it this way: “Accountability is information given, not control taken.”Trust grows when ministries offer clear plans, measurable results, and honest reporting—what Al calls “a form of blessing” to donors.The Next Generation of GiversYounger donors give differently than their parents do. They are:More global in perspectiveMore results-orientedMore experiential—they want site visits and direct engagementMotivated by conviction rather than obligationPassionate about transparency and impactAl believes this next generation will reshape Christian generosity—mainly as significant wealth transfers occur in the coming decades.Al concludes with a powerful insight: there is a meaningful difference between being generous and being a steward.In the first century, a steward managed the household, finances, and fields on behalf of the master. The steward’s job was simple: to know the heart of the master and act accordingly.Stewardship today means:Recognizing God owns it allSeeking His desires for His resourcesGiving with discernmentAiming to hear, “Well done, good and faithful servant.”Generosity is beautiful—but stewardship is a calling.Growing in Intentional GenerosityWhether you’re giving on Giving Tuesday or cultivating lifelong generosity, the call is the same: give with joy, wisdom, and purpose.If you want to explore tools to help you give more strategically, you can learn more at ExcellenceInGiving.com. And if you’d like to partner with the mission of FaithFi, visit FaithFi.com/Partner to join us in helping believers integrate faith and financial decisions for the glory of God.On Today’s Program, Rob Answers Listener Questions:What are your thoughts on annuities for someone approaching age 70?My wife and I are senior citizens and now have custody of our 10-year-old granddaughter—her father passed away, and her mother isn’t involved. We want guidance on setting up a trust for her future. What’s the best way to approach this?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Excellence in GivingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.
Stephen Clark
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Ivan Terrero
Finally an episode on alternative secured investments. www.thenotedoctor. com