Financial Coaching Kingdom Men: Learn to Budget, Save, Manage Money, Pay off Debt, Leave a Legacy

In this foundational episode, we tackle the first and most powerful component of your financial life: Your Income. Inspired by brothers who asked for the basics, we’re kicking off a series unpacking the core formula: Income - Expenses = Savings or Debt.Too many rely on guesswork when budgeting. As stewards, we must actively manage the provision God gives us. Today, we define exactly what your "budget number" is and the crucial steps you need to take to protect your greatest financial asset—your ability to earn.Key Takeaways & Action StepsThe Power of Provision: Your income is the single most powerful tool you have to care for your family, build net worth, and live generously. Managing it wisely is an act of worship.Defining the Essentials: We cut through the confusion to define your financial fuel:Gross Income (The Big Number): The total amount you earn before deductions. (Great for negotiating, bad for budgeting.)Net Income (The Budget Number): The amount that actually lands in your bank account (take-home pay) after all taxes and deductions. This is the ONLY number you use for your budget.The Deductions: We review mandatory (Taxes, FICA) and optional (Benefits, Retirement) deductions. Understanding why your gross pay shrinks is essential for planning.Active vs. Passive Income: We discuss the difference between Active Income (trading time for money) and Passive Income (money earned from assets you own).Protect Your Asset: Your most valuable financial asset is your ability to earn money. You must secure it with:Disability Insurance: To replace your income if you cannot work.Term Life Insurance: To replace your income for your family if you pass away.Your Next Step: As a steward, you must verify and track your provision. Pull your pay stub or W-2 and review every single deduction to establish your guaranteed Net Monthly Income for your Zero-Based Budget.Knowing your income is step one. But to truly start budgeting, debt-crushing, and wealth-building with a solid, proven plan, accountability is essential.If you are ready to be encouraged into financial discipline through personalized coaching, click the link below to connect with me directly and begin your Zero-Based Budget and Debt Snowball plan today!Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠How do you want to be contacted: Contact FormCheck out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠Music by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also find it helpful. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!Legal & Compliance DisclaimerAll information presented on the "Financial Coaching Kingdom Men" podcast is for educational and coaching purposes only. We are not licensed financial advisors, tax experts, or legal professionals. Please consult with a qualified professional for specific financial, tax, or legal advice regarding your individual situation.Ready to Move to the Next Level?

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Episode SummaryDebt management companies promise a miracle: one simple payment, and they handle the rest. Danny and Patricia were tempted to sign up, desperate to escape the prison of debt. But before they handed over the keys, they realized that outsourced debt relief only fixes the symptom, not the disease (bad habits).In this powerful episode, we share Danny and Patricia's journey: why they rejected the traditional Debt Management Plan (DMP) and chose the DIY Debt Management Plan instead. Learn why taking the hard road is the best path to building character, competence, and true financial stewardship in your marriage.Key Takeaways & Stewardship PrinciplesDelegation vs. Discipline: Traditional DMPs can teach dependency. Biblical stewardship demands that we master our own money.The Flaw of the Easy Button: Any plan that doesn't force a change in your behavior is a temporary fix. You'll likely rack up debt again.The Power of the DIY Plan: The Debt Snowball is the best alternative because the emotional benefit of the small wins (the Triumph) builds the momentum required for long-term freedom.Behavior is 80%: The discipline required in Phase 1: Stop the Bleeding (cutting expenses, building the Starter Fund) is what prepares you for lasting success.Featured Tool: The DIY Debt Management PlanWe covered the five phases Danny and Patricia used to manage their debt themselves, without paying a third-party agency:Phase 1: Stop the Bleeding: Create the Zero-Based Budget (ZBB) and build the $1,000 Starter Emergency Fund.Phase 2: The Inventory: List debts smallest to largest.Phase 3: The Attack Plan: Determine your fixed, aggressive Debt Snowball Payment.Phase 4: Creditor Communication: Self-negotiate rates to accelerate payoff.Phase 5: Maintain Momentum: Roll the payment from the paid-off debt to the next smallest one.Ready for Personal Coaching?Are you feeling overwhelmed and need someone to walk alongside you as you implement the Debt Snowball? We offer personalized one-on-one coaching to help you find the cash flow, stay motivated, and achieve financial freedom. Contact FormConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠How do you want to be contacted: Contact FormCheck out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠Music by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also find it helpful. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!Legal & Compliance DisclaimerAll information presented on the "Financial Coaching Kingdom Men" podcast is for educational and coaching purposes only. We are not licensed financial advisors, tax experts, or legal professionals. Please consult with a qualified professional for specific financial, tax, or legal advice regarding your individual situation.

Is financial planning a lack of faith? In this episode, we tackle the tension between God's absolute sovereignty and the Christian's call to responsible stewardship. Your 5-year plan may be wrong, but preparing for adversity is not a sign of distrust—it's an act of worship. We break down the two primary ways to transfer risk away from your family's stability and why your most valuable asset is actually your ability to earn an income.Key TakeawaysPlanning is not Control: We plan because we are commanded to be wise stewards, not because we believe we can control the future. Stewardship is the joyful response to a sovereign God.The Foundation of Joy: The Bible reminds us that God has ordained both the day of prosperity and the day of adversity. Our calling is to be joyful in the present and consider the certainty of hardship (Ecclesiastes 7:14).Pillar 1: Protect Your Income (The Greatest Asset): Your ability to earn is your most valuable asset. We discuss why Long-Term Disability Insurance is the single most critical risk transfer you can make to protect your family's future.Pillar 2: Build Your Buffer: Learn the crucial rule for an emergency fund: a liquid reserve of 3 to 6 months of essential living expenses. This fund is designed to buy you peace, not make you rich.The Ultimate Hedge: Once you have faithfully planned, you are released from the anxiety of control. Joy is the reward for planning, compelling you to embrace the life you have today (Ecclesiastes 8:15).Referenced ScripturesEcclesiastes 7:14 (NIV): "In the day of prosperity be joyful, and in the day of adversity consider: God has made the one as well as the other, so that man may not find out anything that will be after him."Ecclesiastes 8:15 (NIV): "And I commend joy for man has nothing better under the sun but to eat and drink and be joyful, for this will go with him in his toil through the days of his life that God has given him under the sun."Deep Dives On Financial Mindset:How Ego Gets in the Way of Your Financial GoalsFrom Avoidance to Action: How to Build a Budget that WorksBeyond Riches: How Essentialism Unlocks True Financial Freedom (and Purpose)Unlocking God's Riches: Your Journey to Confident Biblical StewardshipYour Retirement Journey: Planning for a Life of Purpose and PeaceBudgeting for Freedom: Your Roadmap to Financial PeaceConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠How do you want to be contacted: Contact FormCheck out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠Music by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!Legal & Compliance DisclaimerAll information presented on the "Financial Coaching Kingdom Men" podcast is for educational and coaching purposes only. We are not licensed financial advisors, tax experts, or legal professionals. Please consult with a qualified professional for specific financial, tax, or legal advice regarding your individual situation.

Episode SummaryWelcome back, Kingdom Men! We’re moving from defense to offense. This episode is about getting absolute clarity on what Financial Freedom means for you as a faithful steward. We break down 5 common definitions of freedom and reveal the essential, plan that will take you from being controlled by debt and worry to commanding your wealth for the glory of God. This clarity is your first act of effective stewardship.Key Takeaways & Action ItemsThe Core Question: Before you can gain freedom, you must ask: What are you seeking to be freed from? (Worry, debt, an unfulfilling job, reliance on others?)Define Your Target (REQUIRED): You must select ONE definition of financial freedom:The Freedom to Make Life Choices (Flexibility over constraint)Passive Income Exceeds Expenses (The FIRE Goal)Being Debt-Free and Stress-Free (The Foundation)Financial Independence (The 4% Rule): Target Portfolio Size = Annual Expenses times 25Financial Security (Covering Essentials only)Commit to the Kingdom Plan: You must commit to: Setting faith-aligned goals, mastering the budget, aggressively eliminating debt, and investing consistently for legacy.Find Your Accountability: Financial freedom is a team sport. Get on the same page with your spouse or accountability partner and share your chosen definition and plan.Scripture for Stewardship"The borrower is slave to the lender." – Proverbs 22:7“You ask and do not receive, because you ask wrongly, to spend it on your passions.” - James 4:3“Instead you ought to say, ‘If the Lord wills, we will live and do this or that.’” - James 4:15As Christian men, our first financial mission is to gain freedom from slavery so we can fully pursue God’s calling.Resources and ToolsArticle: Read the full blog post that inspired this episode: Defining Your Mission: What Does Financial Freedom Look Like for a Kingdom Man?Budgeting Tool: Get started with a zero-based budget. We highly recommend YNAB (You Need A Budget) or EveryDollar (Ramsey Solutions) to start telling your money exactly where to go.Ready to start your journey to financial freedom?Schedule a free consultation with me here.Related Podcast Episodes:Your Retirement Journey: Planning for a Life of Purpose and PeaceBudgeting for Freedom: Your Roadmap to Financial PeaceBeyond the To-Do List: Finding True Purpose in Our GoalsConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!Legal & Compliance DisclaimerAll information presented on the "Financial Coaching Kingdom Men" podcast is for educational and coaching purposes only. We are not licensed financial advisors, tax experts, or legal professionals. Please consult with a qualified professional for specific financial, tax, or legal advice regarding your individual situation.

📖 Episode SummaryIn this episode, we tackle the strategic world of credit card financing, using the analogy of a chess game. We analyze a  balance transfer offer to expose the lender's hidden "winning moves" that cost Christian professionals thousands in unnecessary interest. We break down four scenarios to show how Biblical stewardship and a disciplined budget plan are the only ways to achieve true debt freedom.👑 Key Takeaways for Kingdom MenThe Lenders Play Chess: Lenders are masters of strategy, setting rules (like the Allocation of Payments clause) designed to benefit them unless we are equally intentional.The Minimum Payment is a Trap: It's the most expensive, longest path to debt freedom, trading short-term relief for years of interest.Consistency is Crucial: A single late payment can immediately revoke your  APR and trigger a high Penalty APR, costing hundreds in fees and interest.📊 The Numbers: The Cost of ComplacencyWe analyzed a  balance transfer (plus a  fee for a total debt of ).💡 Your Action Plan for StewardshipRead the Fine Print: Understand the Allocation of Payments clause and the specific rules for triggering the Penalty APR.Budget to Zero: If you use a  APR card, calculate the required monthly payment to hit zero by the deadline (e.g., ), and ignore the bank's minimum payment.Do Not Mix Balances: Never place new purchases on a card with a  balance transfer unless you pay off the new purchase in full by overpaying your minimum payment.Prioritize the Emergency Fund: Build a small  emergency fund first to prevent a single missed payment from triggering the Penalty APR.✝️ Biblical Principle"The rich rules over the poor, and the borrower is servant to the lender." - Proverbs 22:7Our goal as Kingdom Men is to pursue freedom so we can be generous givers, not servants to debt.Ready to start your journey to financial freedom?Schedule a free consultation with me here.Related Podcast Episodes:How Coaching Can Help You: Unlocking Your Financial PotentialIs Your Car Driving Your Finances? What I learned from My DrivewayHow to Build a Budget That Actually WorksConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠

What do a sink full of dishes and biblical stewardship have in common? In this episode, we talk about how simple acts of hospitality can be a powerful form of worship and a tangible way to manage God's resources. We’ll explore practical steps you can take to be a better steward of your time, relationships, and finances—no matter where you are in life.In this episode, we discuss:How hospitality is a form of biblical stewardship.The difference between owning and stewarding what God has given you.Practical ways to apply stewardship to your time, relationships, and money.More Resources:The Simple Power of Christian Hospitality TGC IndiaBible Hub: Hospitality and StewardshipStewardship: Biblical hospitality: How generosity can transform our communitiesReady to start your journey to financial freedom?Schedule a free consultation with me here.Related Podcast Episodes:The Overflowing Harvest: How Giving Actually Makes you RicherYour Unique Financial Journey: Finding Your RoadmapYour Best Defense: Protecting Yourself from Financial ScamsConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Feeling stuck in the paycheck-to-paycheck cycle? You're not alone. In this episode, we tackle the power of creating financial margin—the space between what you earn and what you spend—and reveal how this simple concept can transform your financial life.Drawing wisdom from scripture, we explore how biblical principles of stewardship, diligence, and planning can guide us toward financial peace. We'll look at the story of Joseph and the guidance in Proverbs to see what it truly means to be a wise and prudent manager of our resources.In this episode, you will learn:The Power of Tracking: Why getting honest with your spending is the essential first step to taking control of your money.Finding Your "Why": How identifying your financial goals can be the motivation that helps you stick to your plan.Cutting the Biggest Costs: Practical, high-impact tips for spending less on food, phone plans, and streaming services.Attacking Hidden Expenses: How to identify and eliminate the small, recurring charges that drain your budget over time.The Debt Snowball: An effective method for paying off debt and gaining momentum on your financial journey.The Ultimate Goal: How creating financial margin leads not just to a bigger bank account, but to a deeper sense of peace, security, and the freedom to live and give generously.Ready to take control of your financial future? Listen now to begin building your roadmap to financial freedom.Related Resources:6 Practical ways to Spend Less and Create Margin Blog PostWhere Does Debt Come From?Beyond the Budget: Cultivating a Safe Space for Money ConversationsYour Unique Financial Journey: Finding Your RoadmapHow do you want to be contacted: Contact FormConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠Music by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Feeling overwhelmed by the thought of estate planning? You're not alone. In this powerful episode, join Financial Coach Jon as he shares his personal journey to peace of mind. He and his wife spent years putting off this crucial task, but after a family experience, they were finally motivated to act. Jon breaks down the key components of a solid estate plan, from wills and trusts to handling debt and life insurance. This is more than just a financial conversation—it's a guide to protecting your family, preventing conflict, and leaving a legacy of love and clarity.Key Takeaways:Estate planning is for everyone. It's not just for the wealthy but for anyone who wants to be a wise steward of their possessions.A personal story shows the stakes. Hear a real-life example of how a life insurance policy and a proactive plan prevented a family from losing their home to medical bills.Beneficiary designations are critical. Learn why the beneficiary forms on your retirement accounts and life insurance policies are more powerful than your will.The documents you need. Understand the purpose of a Revocable Living Trust, Last Will and Testament, and Powers of Attorney for healthcare and finances.Community property matters. Discover why understanding how assets are titled is crucial, especially in states like Idaho.Important Links & Resources:Nolo.com: A great resource for general legal information on estate planning.NAEPC.org: Find a qualified estate planning professional in your area.Charity Navigator: To research a charity's financial health, transparency, and accountability before including them in your giving plan.Related Podcast Episodes:The Overflowing Harvest: How Giving Actually Makes you RicherYour Unique Financial Journey: Finding Your RoadmapYour Best Defense: Protecting Yourself from Financial ScamsCall To Action:Don't wait until it's too late. The thought of leaving a legacy can feel overwhelming, but the act of planning brings incredible peace of mind. Take the first step today by scheduling a consultation with a qualified estate planning attorney and a financial advisor. It's an investment in your family's future and the ultimate expression of love.Disclaimer: This podcast provides general information and is for educational purposes only. It is not intended to provide legal, tax, or financial advice. Please consult with a qualified professional for advice tailored to your specific situation.Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠Music by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Are you feeling stressed about your money, your time, or your career? What if your approach to personal finance is missing the most important piece of the puzzle? In this episode, we dive into the powerful and liberating concept of biblical stewardship. This isn't just about budgeting; it’s a foundational worldview that transforms how you see and use everything God has placed in your hands.Join us as we shift our perspective from being the stressed-out owner to a confident, faithful manager of God's resources.In this episode, we discuss:What is a Steward? The biblical definition of a manager who cares for what belongs to another.The Big Picture: Why stewardship is about more than just your money and extends to your time, talents, relationships, and health.The Foundational Truths of the Bible: We break down key scriptures that reveal God's ownership and our role as stewards.The Power of Faithfulness: Why being a good steward is about being faithful with the little you have, not just successful by worldly standards.Practical Steps: Learn simple, actionable ways to apply stewardship principles to your everyday life, from purposeful budgeting to wise planning.Biblical References Mentioned:Psalm 24:1Haggai 2:81 Chronicles 29:11-12Matthew 25:14-30 (The Parable of the Talents)1 Corinthians 4:2Luke 16:10Proverbs 3:9-102 Corinthians 9:7Proverbs 13:4Isaiah 66:2James 4:10Luke 14:28Ready to take your next step toward confident biblical stewardship? Let's connect and map out a plan for your financial journey. Schedule a free discovery call with me today Related Episodes:What is Biblical Financial CoachingThe Overflowing Harvests: How Giving Actually Makes you RicherRaising Financially Wise Kids: Building a Legacy, Not a BurdenConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Have you ever found yourself frustrated by a simple problem, only to realize the solution was right in front of you the whole time? In this episode, host Jon shares a hilarious and frustrating story about a lawn mower that wouldn't work. What started as a simple purchase on Facebook Marketplace turned into a costly, time-consuming ordeal—all because he let his ego get in the way.Join us as we use this lawn mower debacle to uncover a profound lesson about personal finance. We'll discuss how our ego often prevents us from making smart financial decisions and how embracing humility can be the key to true financial freedom.In this episode, we talk about:The costly mistake of letting frustration and pride cloud your judgment.Why the most difficult financial obstacles are often self-inflicted.How to identify and overcome the "ego" that keeps you from building a budget or seeking help.The transformative power of humility, and how it allows us to learn, grow, and achieve our financial goals.Resources Mentioned:No Ego: How Leaders Can Become Accountable and Ditch the Drama by Cy WakemanHumility: True Greatness by C.J. MahaneyReady to raise your financial mower deck and start seeing real results?Don't let your ego hold you back any longer. If you're ready to put pride aside and start making real progress, a financial coach can help you see the simple solutions right in front of you. Let's work together to create a plan and cut through the clutter so you can get your financial life looking the way you want it to.Schedule a free discovery call with me today Related Episodes:From Conflict to Connection: Building a Financial PartnershipYour Unique Financial Journey: Finding Your RoadmapHow Coaching Can Help You: Unlocking Your Financial PotentialConnect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

In this episode, we dive into the powerful wisdom of living below your means. Inspired by a morning struggle and timeless wisdom from Proverbs 24, we explore how this simple, counter-cultural choice can lead to a life free from financial anxiety and debt.We discuss the six key benefits of embracing a frugal lifestyle:Freedom from Debt: Pay down existing debt faster and avoid taking on new debt altogether.Building an Emergency Fund: Create a vital safety net for unexpected job loss or emergencies.Accelerating Your Savings and Investments: Every dollar saved has the potential to grow significantly over time.Reducing Stress and Anxiety: Alleviate the leading cause of financial worry.Increased Financial Flexibility and Options: Gain the freedom to change careers or pursue new passions.Breaking the Cycle of Consumerism: Learn to make conscious choices and find greater contentment.We also share 10 practical and powerful tips you can use to start living below your means today:Master Meal Planning: Reduce food waste and save money on groceries and takeout.Implement the 30-Day Rule: Wait a month before making non-essential purchases to avoid impulse buys.Use Your Local Library: Access books, audiobooks, and movies for free.Audit Your Subscriptions: Cancel any monthly services you don't use.Pack Your Lunch: One of the simplest and most effective ways to save money daily.Embrace Generic Brands: Save money on household goods and groceries without sacrificing quality.Become an Energy Saver: Small changes in habits can lead to big savings on utility bills.Leverage Loyalty Programs: Sign up for rewards to get discounts on things you already buy.Find Free Entertainment: Have fun without spending a fortune by finding local community events or enjoying nature.Learn to DIY: Save money on repairs, gifts, and more by doing it yourself.Biblical References from this Episode:Proverbs 24:33-34Proverbs 24:27Additional Resources:General Personal Finance: NerdWallet - A comprehensive resource for making smarter financial decisions.Beyond Riches: How Essentialism Unlocks True Financial Freedom (and Purpose)Building an Emergency Fund: Vanguard's Guide to Building an Emergency FundMeal Planning: 10 Tips for Planning Meals on a BudgetBeyond the Budget: Getting on the Same Page for Money Conversation in MarriageAuditing Subscriptions: How to Manage All Your Monthly SubscriptionsBiblical Commentary: Proverbs 24 Study and CommentaryReady to Take Control of Your Finances?Are you ready to take control of your finances and build a life of freedom? Schedule a free discovery call with me today to discuss how living on less than you make can transform your financial future.Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Are you feeling overwhelmed by open enrollment? You're not alone! The world of health insurance can feel like a foreign language, but the decisions you make now can impact your finances and health for the entire year. In this episode, we break down the most important health insurance terms, discuss the two main types of plans, and give you practical tips to help you choose the best option for you and your family.Key Takeaways:Understanding the Language: Learn the essential terms you need to know, from premiums and deductibles to copays and coinsurance.High vs. Low Deductible Plans: We explore the trade-offs between these two plan types and help you determine which one is a better fit for your health and financial situation.The Power of an HSA: Discover the "triple tax benefit" of a Health Savings Account and how this powerful tool can help you save for both current and future medical expenses.Tips for Making Your Decision: Get practical advice on how to assess your needs, check your provider network, and consider the "worst-case scenario" when choosing a plan.Important Terms Defined:Premium: Your monthly membership fee for insurance coverage.Deductible: The amount you pay out of pocket before your insurance starts to cover costs.Copayment (Copay): A fixed amount you pay for a specific service, like a doctor's visit.Coinsurance: Your percentage share of the cost for a covered service after you've met your deductible.Out-of-Pocket Maximum: The most you will have to pay for covered medical expenses in one year.Resources Mentioned:Health Insurance Terms You Should Know: https://www.cms.gov/glossaryPerplexed by Health Insurance? https://www.npr.org/sections/health-shots/2016/11/04/500588667/perplexed-by-health-insurance-terms-this-guide-can-help-youBenefits Terms Cheat Sheet: https://www.cybercoders.com/blog/2018/10/26/open-enrollment-cheat-sheet/IRS Publication 969: https://www.irs.gov/publications/p969HSA Bank List of Qualified Expenses: https://www.hsabank.com/hsabank/members/qualified-medical-expensesTake Action: Ready to start your journey?Don’t just drift—take control! Schedule a free discovery call with a financial coach to start mapping out your personalized journey today. Your unique adventure awaits!Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Divorce is a tough journey, not just emotionally, but financially. If you're navigating the financial fallout of a separation, this episode is for you. We'll offer a compassionate guide to the practical steps you need to take to regain control of your finances and build a solid foundation for your future.In this Episode:Biblical Perspectives on Divorce: We start by exploring the complex biblical teachings on divorce, including the concepts of permanence, sexual immorality, and desertion. We'll also discuss how to find counsel and comfort through a faith-based lens.The Financial Fallout: Learn how divorce impacts your income, assets, and debt. We’ll discuss the reality of a halved income, the complexities of dividing assets like homes and retirement accounts, and the surprising ways joint debt can affect your credit score.Your Financial Roadmap After Divorce: Get a practical, step-by-step guide to rebuilding your financial life. We'll cover how to create a new budget, update your accounts, reassess your insurance needs, and plan for retirement.Tackling Debt: We break down how to get a clear picture of your new debt landscape and introduce the debt snowball method—a powerful strategy for paying off debt and gaining much-needed momentum.Resources Mentioned:BibleProject: https://bibleproject.com/explore/divorce-in-the-bible/Annual Credit Report: https://www.annualcreditreport.comTake Action:This journey requires courage, and you don’t have to do it alone. If you’re ready to take the next step and build a new financial future, Financial Coach Jon  is here to help. Schedule a discovery call.Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Are you caught in the "relentless pursuit of more"? This episode challenges the cultural obsession with accumulating wealth and introduces a different path: Essentialism. We explore the biblical wisdom that encourages us to "buy truth and wisdom" instead of toiling for fleeting riches. Inspired by the book Essentialism: The Disciplined Pursuit of Less, we'll show you how to apply its core principles to your financial life. Learn how to identify your "essential financial goals," eliminate non-essential spending, and create a roadmap to a life of purpose and true wealth.In this episode we cover:The Fleeting Pursuit of Wealth: A deep dive into Proverbs 23:4-5 and the warning against making wealth our sole focus.Investing in What Truly Lasts: A look at Proverbs 23:23 and the call to prioritize things like wisdom, truth, and understanding over material accumulation.Discovering "Less but Better" through Essentialism:Learn the core principles of the book Essentialism and how to apply them to your financial life.Explore: How to define your essential financial goals.Eliminate: The courage to cut non-essential expenses and avoid the "fear of missing out" (FOMO).Execute: The power of creating a spending plan that's directly aligned with your essential life purpose.Biblical Essentialists: We look at examples from the Bible, including Moses, John the Baptist, and Jesus Himself, who lived lives free from material trappings to fully embrace their divine calling.Resources and Next Steps:Book Mentioned: Essentialism: The Disciplined Pursuit of Less by Greg McKeown.Scripture References: Proverbs 23:4-5, Proverbs 23:23.Ready to define your essential financial path? Consider these questions:What are your life goals and your purpose?What non-essential expenses can you cut to align with that purpose?How can a spending plan help you make purposeful spending effortless?Call to Action:Take the first step toward living a more intentional financial life. Define your essential purpose and begin aligning your spending with what truly matters.Ready to start your journey?Don’t just drift—take control! Schedule a free discovery call with a financial coach to start mapping out your personalized journey today. Your unique adventure awaits!Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠Don't forget to subscribe, rate, and review the show! It helps us reach more people on their journey to financial freedom.

Ever feel like you and your partner are speaking different languages when it comes to love? Join us on the podcast as we dive into Dr. Gary Chapman's "5 Love Languages" and how understanding them can transform your relationships.In this episode, I'm joined by my wonderful wife, Ryann, to talk about how we navigate our own love languages and how they've shaped our journey with finances. We'll explore:Why "Receiving Gifts" is more than just a price tag.How we've learned to budget for meaningful gifts and experiences.The surprising ways our love languages have evolved over time.Whether you're struggling to communicate with your partner or just want to strengthen your connection, this episode is full of practical advice and personal insights. Tune in and discover how to express love in a way that truly resonates.Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠If you found this episode helpful, please share it with a friend or family member who might also be navigating open enrollment. And don't forget to subscribe to our podcast so you never miss an episode on building your financial freedom!

Financial freedom in retirement is a dream for many, but planning for it can feel overwhelming. In this episode, we redefine retirement not just as the end of work, but as the beginning of a life of purpose, peace, and choice. I'll act as your financial coach, guiding you through a step-by-step process to transform uncertainty into confidence. We'll cover everything from envisioning your ideal retirement lifestyle to creating a concrete savings strategy, all while keeping a biblical perspective on true financial contentment.In this episode, we cover:Redefining Retirement: Your Step-by-Step Coaching Guide:Envision Your Retirement Lifestyle: Learn to "dream big" by visualizing your ideal retirement, from your daily routine to your hobbies and travel plans.Assess Your Current Financial Standing: A crucial "reality check" to calculate your net worth, review your cash flow, and identify your retirement accounts.Set Clear Financial Goals: We'll show you how to estimate your retirement expenses and determine your "number" using online calculators to account for inflation and future costs like healthcare.Create a Retirement Savings Strategy: Discover how to maximize contributions, get your employer's match, and diversify your investments to build long-term wealth.Protect Your Plan: Essential "risk management" steps, including building an emergency fund, reviewing insurance, and drafting an estate plan.Understanding Your Longevity: Bridging the Gap: Key Takeaways & Coaching Tips:Specificity is Key: The more specific you are in your vision, the easier it is to quantify your goals.Awareness is Power: Don’t shy away from assessing your current financial situation. It’s the baseline for your entire plan.Automate Everything: Make saving effortless by setting up automatic transfers to your retirement accounts.Flexibility is Your Superpower: Your retirement plan is a living document. Be prepared to adjust your spending and goals as life changes.Start Today: The most important step is simply to begin.Call to action:Your retirement journey is a marathon, not a sprint. Take the first step today. It doesn't have to be perfect—just purposeful.Ready to start your journey?Don’t just drift—take control! Schedule a free discovery call with a financial coach to start mapping out your personalized journey today. Your unique adventure awaits!Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠Don't forget to subscribe, rate, and review the show! It helps us reach more people on their journey to financial freedom.

Are you ready to stop worrying about money and start taking control? This episode is your practical guide to building a budget that works for you. We’ll walk through the essential steps of creating a spending plan, from tracking your expenses to reaching your savings goals. You’ll learn how to build a simple, effective budget template and discover the best budgeting tips to make it stick.We explore how to move from financial anxiety to peace by embracing the biblical call to be a wise steward introducing Crown Financial Ministries “Your Money Map”. We break down the seven key destinations on the Money Map, from paying off debt and building an emergency fund to investing for the future and living a life of radical generosity. This episode gives you a clear, actionable guide to help you get control of your money and align your spending with your values.Budgeting Basics: A Step-by-Step GuideStep 1: Create a Spending Plan (Get Honest with Your Spending)Step 2: Build Your Budget (Your Blueprint)Step 3: The Art of SavingStep 4: Putting Your Budget to Work (Practical Tips)The Crown Financial Seven-Destination Map: We explore how a budget is your vehicle for moving through each of the seven stages of the Money Map, from paying off debt to living a life of radical generosity.More to ExploreResources: Discover more from Crown Financial Ministries and their "Your Money Map" at crown.org.Learn More: Explore why budgeting is essential for your family and how to have productive money conversations.Call to Action:Ready to take control of your finances? Start your budgeting journey today by creating a spending plan and building your first budget template.Ready to start your journey?Don’t just drift—take control! Schedule a free discovery call with a financial coach to start mapping out your personalized journey today. Your unique adventure awaits!Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠Don't forget to subscribe, rate, and review the show! It helps us reach more people on their journey to financial freedom.

Just like a road trip, your financial journey is unique. You're not driving the same car as everyone else, and your destination is your own. In this episode, we talk about why a one-size-fits-all approach to money just doesn't work. We'll explore the importance of creating a personalized financial roadmap that aligns with your values, your family, and your goals.We'll also dive into the Ramsey Baby Steps—a proven, step-by-step plan that can guide you from debt to financial freedom. Discover why this behavioral-based approach works and how a supportive community like Financial Peace University can provide the accountability and encouragement you need to succeed.In This Episode, We Discuss:The metaphor of a financial journey and why every person’s roadmap is unique.The importance of open communication with your spouse or family about your shared financial destination.How a financial roadmap provides clarity and helps you make intentional decisions.The concept of biblical financial stewardship and how it can provide purpose to your financial goals.The Ramsey Baby Steps: A Proven Financial RoadmapBaby Step 1: Save $1,000 for a starter emergency fund.Baby Step 2: Pay off all debt (except the house) using the debt snowball.Baby Step 3: Save 3-6 months of expenses in a fully funded emergency fund.Baby Step 4: Invest 15% of your household income into retirement.Baby Step 5: Save for your children's college fund.Baby Step 6: Pay off your home early.Baby Step 7: Build wealth and give.Why This Roadmap Works:It’s based on biblical principles.It prioritizes giving throughout your journey.It focuses on behavior and your relationship with money (80% behavior, 20% knowledge).It provides clear, actionable steps that build momentum and confidence.Join a Community with Financial Peace UniversityFind Your Community: Navigating your financial journey on your own can be overwhelming. FPU provides a supportive, non-judgmental environment where you can learn alongside others.Get Accountability: The shared experience of an FPU group creates the powerful momentum and accountability that can make all the difference.Ready to start your journey?Don’t just drift—take control! Schedule a free discovery call with a financial coach to start mapping out your personalized journey today. Your unique adventure awaits!Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠Don't forget to subscribe, rate, and review the show! It helps us reach more people on their journey to financial freedom.

Have you ever looked at a vehicle and seen more than just a car? In this episode, we share a powerful story about two cars in a driveway—a minivan and a sleek SUV—that teach a vivid lesson about financial decisions.We'll reveal why paying cash for a car can lead to incredible financial freedom and flexibility. We’ll also break down The Money Guys’ "20/3/8 Rule" for smart vehicle financing and expose the hidden pitfalls of dealership loans, from "yo-yo" scams to loan packing. Your vehicle should serve you, not the other way around. Learn how to make a choice that empowers your financial journey, rather than derails it.In This Episode, We Discuss:The true cost of car ownership and how our vehicle choices can impact our lives and relationships.A personal story about two vehicles that highlight the difference between paying cash and financing.The profound benefits of paying cash for a car, including avoiding interest and gaining financial flexibility.The Money Guys' "20/3/8 Rule" for smart car financing: 20% down, 3-year term, and payments under 8% of your gross income.The critical importance of making sure your investments exceed your car payment.The hidden pitfalls of dealership financing, including "dealer markups," "yo-yo" scams, and loan packing.The key questions to ask yourself before your next vehicle purchase.Key Resources Mentioned:Ramsey Solutions: Find great car buying advice with their 10 Car Buying Tips.The Money Guys: Learn more about their 20/3/8 Rule.Consumer Financial Protection Bureau: Read their article on Steps for Getting an Auto Loan.Edmunds: Research the Cost of Car Ownership.Kelly Blue Book (kbb.com): Find vehicle values and pricing.Ready to make a smarter vehicle choice?Schedule a call with a financial coach today to create a strategy for your next car purchase that aligns with your financial goals.Connect with Us:Private 1-on 1 Coaching - Create a plan for your money and get some help and direction. Schedule at time today.⁠Strategy Session⁠Check out: ⁠Financial Coaching for Kingdom Men Blog⁠.Join the NewsletterEmail: jon@financialcoachjonllc.comVisit the website: ⁠www.financialcoachjonllc.com⁠How do you want to be contacted: Contact FormMusic by ⁠Sergio Prosvirini⁠ from ⁠Pixabay⁠⁠Ambient Uplifting Presentation Motivational⁠Don't forget to subscribe, rate, and review the show! It helps us reach more people with these important financial lessons.