Faith & Finance

Have you ever noticed how some people light up when they give, while others treat it like just another transaction? Maybe the difference isn’t in the amount they give—but in how God designed them to give. What if discovering your God-given giving style is the key to finding joy in generosity? Today, Chris Gabriel joins us to unpack the idea of W.I.S.E. Generosity. Chris Gabriel is a philanthropic leader and financial advisor with over 30 years of experience. A Yale and Oxford graduate, he created the WISEgenerosity framework to help individuals and institutions give well. Chris leads a thriving wealth management practice and is the author of WISEgenerosity: A Guide for Purposeful and Practical Living and Giving. From Inspiration to Application Generosity isn’t just about giving money—it’s about connecting your giving to your God-given identity and calling. Generosity is an essential virtue of a life well lived. It’s also perhaps the aspect of God’s nature that’s closest to our own. We’re made in His image, and that means we’re made to give. While many Christians feel a tug toward generosity, few know how to give in a way that aligns with their values, financial situation, or spiritual identity. God plants seeds in our hearts, but we also have a responsibility to be wise stewards of our resources. WISEgenerosity is designed to help people take those seeds and apply them intentionally based on their unique circumstances. The W.I.S.E. Framework The heart of the book is captured in the acronym W.I.S.E., which stands for: Well-Grounded –Inspired –Satisfying –Effective –Discovering Your Personal Giving Identity (PGI) One of the most powerful tools is the Personal Giving Identity (PGI). Much like a personality test, the PGI helps individuals uncover their unique generosity “type” and how it connects to biblical truths. There are four generosity personalities: Focused Givers –Expressive Givers –Considerate Givers –Disciplined Givers –Each of these biblical characters reflects traits we see in modern givers. When we understand our PGI, we can give in a way that’s aligned, impactful, and joyful. The PGI tool doesn’t stop with individuals. Couples can benefit from it too. The spousal comparison tool helps partners understand each other’s giving styles and how to complement one another in shared generosity. God brings couples together to align their capabilities and calling. Understanding how we each approach giving can deepen unity and effectiveness in our marriages. Strategic and Systematic Giving While spontaneous giving is beautiful, we also should embrace strategic and systematic generosity. Just like with other areas of life, awareness and planning elevate our impact. Some givers are driven by their hearts, while others are more analytical. Both are needed—but what matters is that we give with intention and trust. Coming this fall is Advance, a new toolkit designed for churches, ministries, and financial advisors to help others walk through the WISEgenerosity framework in community. Whether you're an individual, a couple, a ministry leader, or a financial professional, this resource will provide practical tools, spiritual insight, and relational wisdom to guide your giving. Ready to Take the Next Step? If you’re ready to explore your personal giving identity or learn how to make your generosity more purposeful, visit WiseGenerosity.com. You’ll find: In a culture that often views giving as transactional or occasional, WISEgenerosity reminds us that giving is a deeply spiritual act—one that reflects the heart of God, shapes our identity, and brings lasting joy. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)WISEgenerosityWISEgenerosity: A Guide for Purposeful and Practical Living and Giving by Chris GabrielWISEgenerosity Personality Types QuizWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At...

Have you ever felt a quiet sense of pride after giving, like you were just a little more faithful than others? It’s a subtle temptation, but one we must take seriously. When our giving becomes a way to elevate ourselves rather than glorify God, we’ve missed the heart of generosity—and possibly much more. When Giving Becomes About Us Self-righteous giving hides behind good behavior. It’s giving to feel morally superior. Giving to prove we’re spiritually ahead. Giving to show God—or others—that we’ve “got it right.” Jesus addressed this in Luke 18: “Two men went up to the temple to pray, one a Pharisee and the other a tax collector… The Pharisee… prayed: ‘God, I thank you that I am not like other people… I fast twice a week and give a tenth of all I get.’ But the tax collector… said, ‘God, have mercy on me, a sinner.’ I tell you that this man, rather than the other, went home justified before God.” The tithing, fasting Pharisee was not justified—not because his actions were wrong, but because he trusted in himself. The Heart Check Religious acts, even impressive ones, can’t save us. When we give to make ourselves look good, we risk trusting in our performance rather than Christ’s finished work. There’s nothing wrong with joy in giving—God loves a cheerful giver. But when joy turns to superiority, we’ve crossed the line. As Deuteronomy 8 reminds us: “Remember the Lord your God, for it is he who gives you the ability to produce wealth…” Everything we have—even the ability to give—comes from Him. Giving That Glorifies God Jesus warns in Matthew 6 not to give for the sake of being noticed. True generosity is humble, often quiet, and motivated by gratitude. It’s giving that reflects Christ, not ourselves. John the Baptist put it best: “He must increase, but I must decrease.” So, if you notice pride in your giving: Confess it to the Lord.Refocus on gratitude.Practice hidden generosity.Before each gift, pray: “Lord, may this reflect You, not me.” Because generosity is never about proving ourselves—it’s about responding to the One who gave everything for us. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Jim Elliot once wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.” “Generous” might not be the first word that comes to mind when you think about pro athletes, but Kirk Cousins is rewriting that playbook. The three-time Pro Bowl quarterback in the NFL is using his platform—and resources—for eternal impact. Today, we’ll hear how his faith shapes everything from football to finances. Kirk Cousins is the starting quarterback for the Atlanta Falcons and a veteran leader in the National Football League (NFL). He previously spent six seasons with the Washington Commanders and six with the Minnesota Vikings. A four-time Pro Bowler and outspoken man of faith, he is also the cofounder of the Julie & Kirk Cousins Foundation, which supports families and youth through faith-based initiatives. A Legacy of Generosity: Lessons from His Parents Growing up as a pastor’s kid, Cousins remembers how his parents modeled generosity long before he had a bank account of his own. “My mom had the gift of hospitality,” he says. “Even when I didn’t think I needed money, she’d hand me two twenties before I went out with friends. There was just this open-handedness.” While his dad managed the family finances with intentionality, it was his mother’s willingness to give freely that left the deepest mark. “It was caught, not just taught,” Cousins reflects, emphasizing how their example shaped his understanding of stewardship early on. From Minimum Wage to Signing Bonuses: A Crash Course in Stewardship When Cousins was drafted into the NFL, his first check—a six-figure signing bonus—was a wake-up call. “As a college kid who had never earned more than minimum wage, I didn’t know what to do,” he recalls. “I called my dad, and he said, ‘I don’t know either!’” That moment marked the beginning of a stewardship journey—one that included learning to give, save, and live below his means in a world of excess. It wasn’t easy, especially when surrounded by peers embracing a more lavish lifestyle. But Cousins understood that as an athlete, his income had a shorter runway. “You’re approaching a cliff,” he says. “So it’s scary to give when your career has an end date. But that’s where faith comes in—trusting that God will provide beyond your own earning power.” It would be easy, Cousins admits, to treat financial obedience like a checklist—give, save, repeat. But biblical stewardship isn’t about rules; it’s about surrender. “I’ve done that—just checked the boxes. But that’s not the abundant life Jesus promises. It’s not religion, it’s relationship.” He points to Jesus’ parable of the treasure in the field (Matt. 13:44): “Once you see Jesus as the treasure, everything else becomes a logical response. Of course you’d sell everything to have Him. Stewardship flows from seeing Him clearly.” When Faith Feels Risky: Giving on a Diminishing Timeline The tension for Cousins lies in balancing the enjoyment of God’s provision with wisdom about the future. “I actually enjoy those moments that require more faith. When I give, and I don’t know what’s next, it puts the pressure back on God—where it belongs.” But he’s quick to acknowledge the gray areas. “What’s wise versus what’s excessive? There’s no formula. You have to walk with God and ask for His guidance daily.” One of the most valuable pieces of advice Kirk received early in his career came from a generous mentor: “Always give in unity with your wife.” That advice stuck. “When Julie isn’t comfortable, I pause and pray. Her perspective might be the Holy Spirit speaking. Giving together strengthens our marriage and our stewardship.” Cousins sees their giving not only as a financial decision, but as a spiritual discipline of unity and trust. Planning for the Future: Wisdom Before Wealth As parents to young boys, Kirk and Julie have also had to consider how best to plan their estate. They’ve established a family office to prepare for the future—but with a strong desire to pass on...

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses. For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years. Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. The Real Issue: Seniors Struggling with Credit Card Debt Nearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren’t impulsive spenders buying luxury items. They’re retired, living on fixed incomes, and they’re relying on credit just to pay for basics like groceries and prescriptions. They’re often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%. Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love. One of the biggest hurdles is the spread of misinformation. People believe they’ll lose their house, or that a reverse mortgage is inherently bad. In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool. Who Should Consider a Reverse Mortgage? Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets. One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit. Whether it’s a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it’s all about wise stewardship. At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn’t make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That’s not good stewardship. Reverse mortgages aren’t for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution. If you’re entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Many student loan borrowers are falling behind again, and the impact is more than financial. A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you’re feeling the weight of repayment, you’re not alone. Neile Simon joins us today with practical steps to help you regain control. Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance. Major Changes in Federal Student Loan Repayment In early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices: Standard Repayment Plan:Repayment Assistance Plan (RAP):While RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind. Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability. The Credit Score Crisis The fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone: This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards. More people are relying on credit cards just to cover essentials like groceries and gas. It’s a cycle that only deepens their debt and financial stress. How Credit Counseling Can Help While Christian Credit Counselors doesn’t directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief: One-on-One Counseling:Debt Management Plan (DMP):Creditor Negotiation:Commitment to Repayment:It’s a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program. If you're feeling weighed down by debt, don’t wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care. Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

As much as we’d like to, none of us can see the future. But that hasn’t stopped us from trying. Financial advisors attempt to forecast markets, meteorologists predict the weather, and sports fans try to call the final score. But when it comes to our finances—and our faith—there’s an important distinction between wise planning and prideful presumption. So how do we tell the difference? The late civil rights leader Ralph Abernathy once said, “I don’t know what the future may hold, but I know Who holds the future.” That’s a comforting truth. God is sovereign—and that brings peace. But His sovereignty doesn’t remove our responsibility to act wisely. Biblical Planning Is a Form of Stewardship Scripture doesn’t discourage planning—it commands it. In fact, wise planning is an essential part of faithful stewardship. God has entrusted us with time, money, relationships, and opportunities. Even though we can’t predict tomorrow, we’re still called to be faithful with today. Proverbs 6 paints a vivid picture of this wisdom: “Go to the ant… consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.” The ant doesn’t know what’s ahead, but it prepares. Likewise, Jesus tells us in Matthew 25 to live in a state of readiness. “Watch therefore, for you know neither the day nor the hour.” Though He’s referring to His return, the principle holds: life is short, time is precious, and we are not in control. When Planning Becomes Presumption Planning becomes presumption when we assume control over outcomes that belong to God alone. To presume means “to assume something before you know the facts.” Biblically, presumption is often associated with pride—living as if we control the future and no longer need God’s input. This attitude is precisely what Jesus warns against in the Parable of the Rich Fool (Luke 12). After a man harvests a bumper crop, he says to himself: “I will tear down my barns and build bigger ones…You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.” But God replies: “You fool! This very night your life will be demanded from you.” The man’s mistake wasn’t in planning or saving—it was planning without God. He assumed he had time, control, and security apart from his Creator. James 4 echoes this same warning: “Now listen, you who say, ‘Today or tomorrow we will go to this or that city...’ Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes.” The Antidote: Humble, God-Dependent Planning James doesn’t say “don’t make plans.” Instead, he offers this wise alternative: “Instead, you ought to say, ‘If it is the Lord’s will, we will live and do this or that.’” This kind of planning begins with God and continues with Him. It’s rooted in trust, not control. We may set goals, but we do so with open hands, inviting God to direct our steps (Proverbs 16:9). This happens in the context of a relationship. As we grow in intimacy with the Lord—through prayer, Scripture, community, and obedience—our plans begin to reflect His heart and mission. If you’re married, begin planning through prayer with your spouse. If you have kids, model this dependence on God in your family conversations. Let them see you trusting God not just for salvation, but also for your finances, schedule, and future. Wise counsel is key. Don’t plan in isolation. Talk to a pastor, mentor, or a Certified Kingdom Advisor (CKA) who can help you apply biblical wisdom to your financial decisions. So yes, make plans. Just don’t leave God out of them. Hold your goals loosely. And remember: success isn’t defined by your ability to predict or control the future—it’s defined by your willingness to seek and trust the One who holds it. Want to explore this topic further? Dive deeper into Jesus’ warning about prideful planning in our study on The Parable of the Rich...

Have you ever used your giving to steer decisions or send a message? It might seem harmless—or even wise—to designate your gift to specific ministries or withhold it when you disagree with leadership. But when our generosity becomes a tool for control, we’ve crossed a line. In this episode, we’ll explore the subtle danger of using giving as leverage—and discover a better way rooted in surrender and trust. A Hidden Temptation in Church Giving Let’s be honest—no one likes the word control when it’s pointed at them. But in church life, this temptation surfaces more often than we’d like to admit. It might look like this: On the surface, it may look like good financial stewardship. But beneath the surface, it’s often an attempt to say, “I want things to go my way, and I’ll use my money to make that happen.” That’s not generosity. That’s leverage. And Scripture warns us against it. The Corban Example: A Heart Check from Jesus In Mark 7, Jesus confronts the Pharisees for misusing a practice called Corban—a method of dedicating money or resources to God. While it sounded spiritual, the religious leaders were using it to dodge their responsibility to care for aging parents. As GotQuestions.org explains: “The Pharisees took a legitimate Corban offering and used it in an illegitimate and devious way to defraud their parents…Jesus tells the Pharisees that their misuse of Corban was an evil rationale to avoid doing what they should.” It wasn’t the gift itself that Jesus condemned—it was the motive behind it. In the same way, when we give to maintain control or push our preferences, we’re following the spirit of Corban. Even if our reasons sound righteous, they can mask a deeper issue: an unwillingness to surrender. From Leverage to Surrender: The Biblical Call The Bible offers a better vision. Psalm 24:1 reminds us, “The earth is the Lord’s, and everything in it.” That includes our finances. We don’t give to direct the church. We give because God owns it all—and calls us to steward it faithfully. Consider the example in Acts 4. Believers sold land and possessions, then laid the proceeds at the apostles’ feet. No strings attached. No demands were made about how it was to be used. Just trust, unity, and wholehearted surrender. Of course, that doesn’t mean churches shouldn’t be transparent or held accountable. Scripture calls leaders to wise and faithful stewardship. But giving with strings isn’t about accountability—it’s about control. And control is the opposite of trust. What’s Driving Your Generosity? Ask yourself: What’s driving my giving? Or is it something else? When giving becomes conditional, it’s no longer cheerful—it’s contractual. We treat God’s work like a business deal instead of a spiritual act of worship. But when we let go of control, something beautiful happens: we find peace. We no longer feel the pressure to manage every church decision. We can give freely, knowing God is at work—even when His ways don’t align with our expectations. Moving Forward in Trust and Grace If you realize that control has been influencing your giving, here are three steps to take: 1. Confess it to the Lord. God is gracious and patient. Ask Him to realign your heart with His and help you give from a place of surrender. 2. Release your preferences. You don’t have to stop asking questions or seeking transparency. But your generosity shouldn’t be tied to your personal comfort or preferences. 3. Give with trust. Trust God’s ability to work through imperfect people. Trust that when you give with the right heart, your gift brings Him glory. Because when we give to control, we place ourselves at the center. But when we give in faith, we put God at the center—where He belongs. A Resource for the Journey Want to go deeper into the heart behind generosity? Request a copy of Faithful Steward, our quarterly magazine for FaithFi Partners. With a gift of $35/month or $400 annually, you’ll receive this encouraging resource and...

“The way of a fool is right in his own eyes, but a wise man listens to advice.” — Proverbs 12:15 Wise financial decisions don’t happen in a vacuum—they often require wise counsel. But how do you know if the person giving you advice shares your convictions and values? Brian Cochran joins us today to explore how biblical wisdom should shape not just our decisions, but the voices we trust. Brian Cochran is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and also serves as the Chief Stewardship Officer at John Moore Associates. The “Why” Shapes Everything At John Moore Associates, a recently celebrated milestone tells a powerful story—over $50 million in charitable giving facilitated through the families they serve. This achievement isn't about accolades or financial performance. It reflects a deeper belief: money is a gift from God, but it was never meant to be the ultimate goal for an individual. It's a tool designed for Kingdom impact. Certified Kingdom Advisors® take a distinct approach to financial planning. While they certainly aim to help clients grow their wealth, they are equally—if not more—committed to helping them give it away with wisdom and purpose. The core question isn’t just, “How can you accumulate more?” but, “How can you steward it more faithfully?” Their mission is to walk alongside families and help them become wise and generous stewards of the resources God has entrusted to them. That vision informs every client meeting, every piece of advice, and every long-term strategy. They don’t see themselves merely as business professionals—they see themselves as called to influence families toward biblically grounded financial decisions that reflect God’s character and priorities. They refer to this role as being “stewards of stewards.” Their job is to help others manage God’s money in a way that aligns with His will—not just to build bigger portfolios, but to foster hearts that reflect His generosity. The Art of Financial Planning Although financial planning encompasses technical elements such as taxes, investments, and estate strategies, it is far more than just numbers. Financial planning is as much an art as it is a science. That’s because personal values, priorities, and convictions ultimately shape every financial decision. Two families with identical balance sheets may receive vastly different advice depending on the worldview and values of their advisor. Even the most technically sound recommendations can lead a client astray if they don’t align with their faith or purpose. Families excited to step into greater generosity have occasionally faced resistance—not from financial limitations, but from professionals who didn’t understand why anyone would want to give so much away. Similarly, some clients have discovered their portfolios include investments in industries that conflict with their convictions, such as pornography, abortion, or addictive products. These disconnects are more common than many realize. When an advisor doesn’t understand a client’s “why,” they may unintentionally work against it. When Values Align By contrast, working with an advisor who shares a client’s biblical values can be transformational. Rather than resist generosity, they champion it. They help clients move beyond conventional financial goals and pursue eternal ones—cheering them on as they give, invest, and plan with Kingdom purpose. This values alignment also fosters deeper conversations about contentment and purpose. Advisors who understand the biblical call to stewardship help clients shift from an accumulation mindset to one that asks, “How much is enough?” That change can lead to greater peace, joy, and impact. It also affects how clients invest. With the guidance of a biblically aligned advisor, many discover new confidence and clarity by investing in companies or funds that reflect their values. In many cases, clients feel more engaged and excited knowing that their investments...

A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings. The numbers are alarming, but they don’t have to define your future. Laying the Foundation: Live on Less Than You Earn Before we talk about building wealth or making investments, we must start with the foundation: living on less than you earn. It’s the bedrock of biblical financial wisdom. As John Maxwell put it, “A budget is telling your money where to go instead of wondering where it went.” Without a plan, it’s easy to drift. But a budget anchors your finances and gives every dollar a purpose. That’s where the FaithFi app can help—offering a practical tool to craft a spending plan rooted in biblical values. Proverbs 6:6–8 urges us: “Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait for a crisis—it stores up in advance. That’s what budgeting does. It’s not about restriction; it’s about preparation and wisdom. Why Investing Comes Next Once you’ve created margin through budgeting, the next step is investing. Why? Because while money sitting in a checking account loses value due to inflation, investing allows your resources to grow through the power of compound interest. As Proverbs 21:5 (TLB) says: “Steady plodding brings prosperity; hasty speculation brings poverty.” Wise investing isn’t about chasing trends—it’s about faithful, consistent action over time. Maybe you’re thinking, “I don’t make enough to invest.” But consider this: If you invest just $100 a month starting at age 25, earning an 8% annual return, you’ll have over $300,000 by age 65. That’s the power of small, faithful steps over time. And today, getting started is easier than ever. Roboadvisors, such as Schwab Intelligent Portfolios or Betterment, offer diversified, user-friendly platforms that require minimal financial knowledge. Wealth With a Purpose: Stewardship, Not Self-Sufficiency Remember: financial freedom isn’t independence from God—it’s dependence on Him with wisdom. Deuteronomy 8 reminds us that even the ability to produce wealth comes from the Lord. As Proverbs 13:11 teaches: “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” God doesn’t call us to perfection—He calls us to faithful stewardship. Why do we budget, save, and invest? So we can live with margin, give joyfully, and bless others. Wise financial decisions position us to participate in God’s Kingdom work—not just provide for ourselves. So if you’re feeling stuck, start small: Over time, you’ll be amazed at what He can do through your faithfulness. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan’s Israel Common Values Mutual FundWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Have you ever felt like giving to your church is more of a burden than a joy? You're not alone. For many believers, the offering moment stirs up anxiety instead of worship. 2 Corinthians 9:7 says, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Those words—not reluctantly and not under compulsion—are key. God doesn't want us giving out of guilt. He invites us to give freely, joyfully, and with a heart aligned to His mission. But guilt is a powerful motivator. Perhaps you've felt it—when the plate passes or a giving campaign is launched. Thoughts flood in: “I haven’t given enough... I’m letting God down.” That’s not generosity born of grace. That’s fear. And it contradicts the gospel. The Gospel Sets Us Free Romans 8:1 declares, “There is now no condemnation for those who are in Christ Jesus.” That includes condemnation over money. Christ’s death covers all guilt—financial or otherwise. If we’re giving to appease guilt, we’re not walking in the freedom Jesus secured. And let’s be clear: there’s a big difference between guilt and conviction. “You’re not good enough.”“Let me lead you to something better.”John 16:8 reminds us that conviction is the Spirit’s loving invitation into deeper trust, not shame. Giving From Grace, Not Obligation Here’s a test: “I must give, or else.”“I get to give—because of all I’ve received.”Hebrews 9:14 says, “How much more, then, will the blood of Christ…cleanse our consciences…so that we may serve the living God!” When we live under grace, our giving becomes service, not penance. We give because we’re loved, not to earn love. Ironically, guilt-fueled giving short-circuits the very transformation generosity is meant to bring. When we give cheerfully, we remember that all we have belongs to God. That reframes us as stewards, not owners—a truth that reshapes us from the inside out. When we give from grace: What If Guilt Has Been Shaping Your Giving? Bring it to God –Practice gratitude –Ask what joyful giving looks like now –Because here’s the truth: God isn’t after your money. He’s after your heart. And when He has your heart, generosity will follow—not from guilt, but from grace. You can explore more on giving from the right motivations in the latest issue of Faithful Steward, our quarterly magazine for FaithFi partners. When you give $35 a month or a one-time gift of $400, you’ll join a community spreading biblical financial wisdom. Partners also receive early access to new devotionals, studies, and Pro access to the FaithFi app. Learn more or become a partner today at FaithFi.com/partner. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Have you ever faced an upcoming surgery—not just anxious about the procedure itself, but also wondering how you’ll cover the cost? Imagine if someone stepped in to guide you through the process, coordinating the details and helping you navigate the expenses. Good news: that kind of support is available, and Lauren Gajdek is here to tell us all about it. Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. A New Offering: The Complete Surgical Care Solution As the nation’s longest-serving faith-based health cost-sharing ministry, CHM has helped Christian families with over $12 billion in medical bills over the past 40 years. CHM operates as a biblically based nonprofit organization, offering believers a unique way to meet healthcare needs—through the power of community, compassion, and cost-sharing. At no additional cost to members, CHM has launched a groundbreaking program called the Complete Surgical Care Solution (CSCS). This service guides members through the entire process of having surgery or a medical procedure—from finding the right surgeon to managing paperwork and bills. It’s a “curated experience” designed to walk alongside members during a challenging time. It's personalized, turnkey, and stress-free—requiring nothing more than active CHM membership. A Real-Life Story: Chloe’s Journey to Healing Chloe is a teenage softball player who struggled with recurring hip and leg pain. When surgery was recommended, her family turned to CHM and its surgical solution program. Through CHM’s help, Chloe was connected with a top-quality surgeon for a hip replacement. The ministry even covered some of the family’s travel expenses. Ultimately, CHM covered more than $145,000 in eligible medical bills. Plus, Chloe’s family received a $1,250 credit toward their out-of-pocket costs. The family described the entire experience as feeling like they were “surrounded by family.” That’s the kind of ministry CHM strives to be. How to Qualify The process is simple. Members need: If the procedure qualifies, members can reach out directly to CHM—and from there, the ministry handles the rest. Whether you’re facing a surgery or seeking a faith-based alternative to traditional insurance, CHM offers compassionate, biblically grounded support every step of the way. Visit CHMinistries.org/FaithFi to explore CHM’s offerings and see how this ministry can walk with you through life’s medical challenges. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)CHM’s Complete Surgical Care Solution (CSCS)HUD.gov (U.S. Department of Housing and Urban Development)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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Earlier this year, FaithFi had the opportunity to sit down with Tim Tebow—Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation. But this wasn’t a conversation about championships or accolades. Instead, it focused on the moments that most people would rather forget—the painful setbacks that God can use to shape something far greater than we could ever have imagined. Tim Tebow is a Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation, a nonprofit organization dedicated to serving vulnerable children and individuals with disabilities through initiatives such as Night to Shine, orphan care, medical outreach, anti-human trafficking efforts, and support for children with profound medical needs. The Loss That Sparked a Promise One of those moments came during the 2008 college football season, when the University of Florida suffered an unexpected loss to Ole Miss. It’s a game many fans remember, but for Tebow, it was deeply personal. As the team’s quarterback and leader, he took responsibility—not just for the plays on the field, but for the team’s mindset, culture, and lack of focus. “We thought we had it in the bag,” he recalled. But after falling behind and ultimately missing a critical extra point, the Gators were handed a humbling defeat. That moment set the stage for what became one of the most iconic press conferences in college football history—Tebow’s passionate promise that the team would never be outworked again. What few saw, however, was the deeper soul-searching that happened behind the scenes. It was a moment of internal reckoning and spiritual clarity. Released, Then Redirected A more recent setback came in 2021, when Tebow signed with the Jacksonville Jaguars and was released after just one preseason game. “I knew all the right truths,” he said, “but I wasn’t fully living them out. My ego was wrapped up in it.” Shortly afterward, news broke of the U.S. military’s withdrawal from Afghanistan, triggering a humanitarian crisis. As the situation unfolded, the Tim Tebow Foundation mobilized to respond. Tim flew to the Middle East, where he spent time serving in a refugee camp amidst chaos and suffering. Looking back, he sees God’s timing clearly. “If I hadn’t been cut, I wouldn’t have been there. I wouldn’t have been free to do what I was really called to do—care for the most vulnerable.” What looked like a professional failure turned out to be a divine redirection. A Calling Rooted in Compassion The heart behind the Tim Tebow Foundation was planted years earlier, when a 15-year-old Tim met a boy in the jungles of the Philippines. The boy had been born with his feet on backwards and was viewed by many as cursed or disposable. “I knew God didn’t see him that way,” Tim said. “But I also felt like God was asking me, ‘If you know this boy matters to Me, what are you going to do about it?’” That moment became the driving force behind the foundation’s mission: to bring faith, hope, and love to those in need of a brighter day in their darkest hour. Today, that mission plays out through global efforts in orphan care, anti-human trafficking, medical outreach, and Night to Shine—a worldwide prom event celebrating individuals with special needs. From Success to Eternal Significance Tebow also offered a powerful challenge: What are we really chasing—success or significance? “Success is about us. Significance is about others. But in God’s economy, He allows us to turn our success—our platform, influence, and resources—into something that matters eternally.” He referenced Proverbs 29:2: “When the righteous flourish, the people rejoice.” The question becomes, are our achievements causing others to rejoice, or are they only benefiting ourselves? This mindset starts with a proper view of ownership. “If we believe what we have is ours, we’ll hold it tightly. But if we believe it’s God’s, we’ll live open-handed. We’re stewards, not owners.” And when it...

When it comes to money, most people are searching for two things: security and peace of mind. That’s understandable—life is unpredictable, expenses arise, and markets swing. But what if true peace isn’t found in your circumstances at all? Financial wisdom doesn’t start with a budget or a savings plan. It begins with trust—specifically, trusting in the Lord. Proverbs 3:5–6 reminds us, “Trust in the Lord with all your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make straight your paths.” If you chase peace through your paycheck or portfolio, you’ll always come up short. But when Christ is your foundation, you begin to see money in a new light—not as a source of peace, but as a tool to steward. Five Secrets to Financial Wisdom from God’s Word 1. Know Who Owns It All. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” Everything belongs to God—your income, your retirement, even your ability to earn. That means we’re not owners; we’re stewards, entrusted with God’s resources to manage faithfully. 2. Spend With Purpose. Jesus asks in Luke 16:11, “If you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” Spending should reflect God’s priorities—giving, saving, living within your means, and investing in eternal impact. 3. Avoid the Slavery of Debt. Proverbs 22:7 warns, “The borrower is slave to the lender.” Debt can limit your freedom to give and respond to God’s calling. Wise stewards build margin and pursue freedom—not because debt is always wrong, but because freedom is better. 4. Save With Perspective. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Saving isn’t about hoarding; it’s preparation for what God might have ahead. But remember: your security isn’t in your savings—it’s in the Savior. 5. Give First, and Freely. 2 Corinthians 9:7 tells us, “God loves a cheerful giver.” Generosity reflects God’s heart. It breaks the grip of greed and aligns us with His Kingdom. When we give, we declare, “God, I trust You more than I trust this money.” Anchored in Christ Following these biblical principles won’t guarantee worldly success. Even the most faithful stewards face trials. But when your foundation is Christ, you’re anchored. Isaiah 33:6 says, “He will be the sure foundation for your times, a rich store of salvation and wisdom and knowledge.” So if you’re looking for security or peace, don’t start with a spreadsheet—start with surrender. Financial wisdom begins when you recognize that your Provider is also your Redeemer. And in Him, you have more than enough. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Do you work to live…or live to work? For many, the answer is simple: “I work to make a living.” But what if there’s more to work than just earning a paycheck? Could it be that work holds deeper meaning—something essential to who we are and how we’re made? David Bahnsen joins us today to offer a perspective on work you might not have considered. David Bahnsen is the Founder, Managing Partner, and Chief Investment Officer of The Bahnsen Group, a national private wealth management firm managing over $7 billion in client assets. He is a frequent guest on CNBC, Bloomberg, Fox News, and Fox Business. He is also the author of Full Time: Work and the Meaning of Life. Rethinking Work and Identity We live in a world that often tells us our identity has nothing to do with our work. Unfortunately, that idea has not only crept into culture but also into the church. But let's be honest: that’s simply not true. Our identity is tied to our work—not in the sense that a job title defines us, but because we are made in the image of a working God. We all instinctively know this. We don’t look at someone who is contributing meaningfully to society and compare them equally to someone who spends every day in idleness. That’s not about transactional worth—it’s about reflecting the nature of our Creator. God created us to be productive, useful, and active. That’s not a controversial claim. It’s Genesis 1. Work isn’t all of who we are, but it is a vital part of who we were created to be. Too often, we treat faith like an add-on. We make decisions about money, career, education, even family, and then sprinkle a few Bible verses on top. But the goal isn’t to balance faith and work—it’s to integrate them. That begins by grounding our understanding of work in a creational theology: God made work good. What we need in the church is not more dichotomy between sacred and secular, but an integrated vision that sees every good job—yes, even spreadsheets, sales, and software—as part of God’s design. This mindset shift must begin in our pulpits. Our congregations need to hear that their Monday through Friday labor is not second-tier spiritual activity. It is sacred. The Relationship Between Work and Rest Instead of chasing a “work-life balance,” Scripture offers a “work-rest paradigm.” God modeled six days of work followed by one day of rest—not the other way around. The purpose of rest isn’t to escape work; it's to be restored for more of it. Rest has meaning because work has meaning. That’s why we push back on the cultural narrative that says rest, leisure, and early retirement are life’s ultimate goals. While rest is essential, its purpose is to equip us to return to the good, God-glorifying work He’s called us to do. Culture often treats retirement as the finish line—an end to productivity, as if people cease to offer value once they reach a certain age. But that view is deeply flawed. We must challenge the financial industry’s narrative that the goal is to accumulate enough so that we never have to work again. That mindset undermines the dignity and purpose of work. Yes, physical limitations may alter what work looks like in later years, but wisdom, experience, and the capacity to contribute remain. Companies and churches alike lose something precious when they usher older workers out instead of tapping into their gifts. Job, Career, or Calling? So, how should we think about our work? Is it just a job? A stepping stone? Or something more? Every Christian, no matter their vocation, should view their work as a calling. That doesn’t mean God gives us a divine word about every job transition, but it does mean that the act of producing goods and services, solving problems, and serving others is inherently meaningful. That’s our calling: to work with excellence, for the good of others, and the glory of God. To young adults wondering what to do with their lives: Don’t believe the lie that you need to find your dream job tomorrow. Instead, embrace...

How do you live a life that truly flourishes—not just financially, but in every area God cares about? Today, we’re talking about how to live with purpose, peace, and wisdom by following God’s design for life. Ron Blue joins us to unpack biblical principles that lead to flourishing, not through formulas, but through faithfulness. Ron Blue is the co-founder of Kingdom Advisors and the author of numerous books on biblical finance, most notably "Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment." Flourishing Begins with a Different Foundation As followers of Christ, we’re not simply aiming for a better life—we’re called to a different one. A life that flourishes isn’t measured by worldly success, but by alignment with God’s design. When we understand that, everything changes. The life God created for each of us is unique. When we live according to His wisdom, we flourish—not because we have more, but because we are living as He intended. Flourishing means experiencing contentment that doesn’t depend on circumstances. We don’t need money to be content. We don’t need approval to feel secure. Why? Because we are fully loved by the God who promises never to leave us or forsake us. Stewardship Is the Starting Point If we want to flourish, we must begin with stewardship. Everything we have—our time, talents, relationships, money—comes from God. He owns it all. We’re not owners; we’re managers. When we recognize that, we stop living for ourselves and start using every resource for His glory. That includes how we spend, give, save, and even how we relate to others. Generosity Marks a Flourishing Life A flourishing life is a generous life. When God’s Word shapes us, we become generous with our time, with our finances, and with every resource entrusted to us. Generosity is not something we manufacture—it’s a byproduct of spiritual transformation. And it runs counter to the culture around us, which tells us to hold tightly to what we have. Instead, we hold everything with open hands. We Live with Integrity The Bible speaks often about deceit and greed—two things that will always rob us of flourishing. When we live according to God’s wisdom, we pursue integrity and honesty in every area of life. Proverbs offers constant guidance on living truthfully, avoiding dishonest gain, and practicing righteousness in our dealings. Flourishing is tied closely to living a life of character. We Live with Purpose We’re not here by accident. God placed us in this time and place for a reason. Our lives are temporary, but they’re filled with eternal purpose. We’re living today with heaven in view. Flourishing means recognizing that this life is preparation for eternity with our Lord. It means embracing the mission He’s given us and making every decision with the long view in mind. When we step back and look at the big picture, we realize what a privilege it is to manage what God has entrusted to us. Stewardship isn’t a burden—it’s an invitation. An invitation to participate in His Kingdom work. An invitation to trust Him. An invitation to live a life that truly flourishes. Let’s remember: God owns it all. We are stewards. And we get to use His resources for His glory. That is the foundation of a flourishing life. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The world constantly tells us, “You just need a little more.” But what if real peace isn’t found in having more, but in learning to need less? What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more. Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption. Why Wealth Confuses Us In a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn’t found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we’re born with—it’s something we must learn. And we’re learning it together. Let’s be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You’d think contentment would come naturally at that point. But surprisingly, it doesn’t. Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. This isn’t new—it’s the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: “Remember the Lord your God, for it is He who gives you the ability to produce wealth” (Deut. 8:18). That warning is for us too. The Danger of the “There and Then” Mentality Contentment is rooted in the present, not the future. And yet we often believe we’ll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can’t be fully alive to God and the people around us now, there’s no guarantee we will be later. We don’t stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, “I have learned to be content whatever the circumstances” (Phil. 4:11). His circumstances didn’t determine his joy. His peace wasn’t tied to his comfort. And ours doesn’t have to be either. Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess. A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we’re pursuing minimalism for its own sake, but because we’re reminding ourselves that joy isn’t found in our possessions—it’s found in a life uncluttered by distraction, filled with God’s presence and purpose. Escaping the Comparison Trap Comparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it’s undeniably true. In our digital age, we don’t just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we’re missing out when in fact, we’re richly blessed. Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared. Generosity is one of the most effective ways to break money’s grip on our hearts. Paul’s charge to Timothy echoes through the centuries: “Command those who are rich… not to put their hope in wealth… but to put their hope in...

Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it’s not as intuitive as you'd hoped. For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we’ve misunderstood how mentoring fits into God’s design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it. Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World. Rethinking Mentoring Retirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn’t just about what we get—but what we give? Retirement isn’t the end of our calling. It’s a fresh opportunity to steward our lives for God’s Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as intergenerational friendship. Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we’ve found that mentoring is most fruitful when it grows from an organic, mutual friendship. Rather than casting ourselves as sages who dispense advice, we’re invited to be fellow travelers—learning, laughing, sharing, and growing together. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time. This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, “I no longer call you servants… I have called you friends” (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust. In God’s upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ. What Makes Mentoring Thrive? Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish: Delight in the Next Generation. Affirm Before Advising. Lead with Vulnerability. Commit for the Long Haul. Ask Thoughtful Questions.The local church is a natural place to start. It’s one of the few places left in our culture where generations regularly gather. Maybe it’s time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger. Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship. Most importantly, we must pray. We’ve learned to listen—not only to our mentee but to the Holy Spirit. We ask: Lord, what do You want us to say in this moment? How can we best serve this person? Prayer is the lifeblood of all fruitful mentoring relationships. What If Retirement Looked Like This? Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence? We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our...

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6 As parents, we often wonder when to begin teaching our kids about money. The simple answer? It’s never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That’s a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age. Here’s how to begin—step by step. Ages 3–5: Needs, Wants, and Worship Even toddlers can begin to understand the basics of money. Start by teaching the difference between needs and wants. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That’s a want—and a perfect conversation starter. As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve. Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It’s a simple but powerful way to connect generosity with worship. Ages 6–10: Responsibility and Short-Term Goals At this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It’s a simple lesson in accountability and work ethic. If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible. Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue: “You always have more choices than money.” Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God’s heart. Ages 11–15: Bigger Goals, Delayed Gratification Now your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It’s the perfect time to talk about larger savings goals—maybe a new bike or a camp trip. Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you’re close by to guide them. If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions. Ages 16–18: Real-World Practice and Investing Basics Teenagers who are working part-time jobs are ready for more advanced money management. Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer’s 401(k) might. Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing. Remind them: Markets go up and down, but faithful stewardship builds wealth over time. The Ultimate Goal: A Faithful Steward Reinforce this truth: Their worth isn’t tied to their net worth. All we have is a gift from God to be managed for His glory, not our own. No matter your child’s age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don’t have to be a financial expert—you just have to be present and intentional. Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn’t just a financial lesson. It’s a...

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6 Being born again in Christ changes a person. We’re given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship. Bobby’s Testimony It's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination. Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story. In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That’s when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.” Hearing about Bobby’s life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God’s redemptive power. Steps Toward Financial Freedom A few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster. We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received. Biblical Principles Guiding Bobby's Transformation Bobby’s journey highlights several biblical principles that are now guiding his life: The Body as a Temple: Humility:“The reward for humility and fear of the Lord is riches and honor and life.” Honesty: Repaying Debts:“The wicked borrows but does not pay back, but the righteous is generous and gives.” Stewardship: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you’re struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We’re here to help you take the next step toward financial freedom and faithful stewardship. Bobby’s story is a powerful reminder that with God’s help, it’s never too late to turn your life around and get back on track. If you’re ready to take that step, we’re here to walk alongside you. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaChristian 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...

“Blessed are the poor in spirit, for theirs is the kingdom of heaven.” — Matthew 5:3 In the final episode of our Financial Ethics series, we’re tackling a message that promises health and wealth—but often leads to heartache: the prosperity gospel. Dr. David W. Jones joins us to unpack its dangers and point us back to a truly biblical view of blessing and provision. Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the co-author of Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. W. Jones and Russell S. Woodbridge. Faith Is Not a Transaction One of the most dangerous ideas in the prosperity gospel is that faith guarantees financial prosperity. It treats faith like a force—a tool believers can wield to compel God’s blessings. But biblical faith isn’t self-generated or transactional. It is a gift from God, a response to His revealed grace, and a means by which we trust Him, not a lever to gain wealth. Faith is “the eyesight of the soul”—deeply rational and rooted in the truth of who God is, not in wishful thinking or material expectations. Prosperity theology often preaches a “faith formula”: believe hard enough, and you’ll be rewarded. But this distorts faith into a mechanism for personal gain. Hebrews 11:1 tells us that faith is “the substance of things hoped for, the evidence of things not seen.” It’s not irrational optimism—it’s a reasoned trust in the unseen promises of God. We should view faith not as a way to escape hardship or secure abundance but as a path of trusting God in all things, including suffering. The Problem with Escaping Suffering One hallmark of the prosperity gospel is its aversion to suffering. But as Jones points out, suffering is part of living in a fallen world—and it’s not something Scripture tells us to avoid at all costs. In fact, passages like 1 Peter 4:12 and 2 Timothy 3:12 remind us that suffering is to be expected for faithful followers of Christ. Rather than hinder our faith, suffering refines it. Suffering is the crucible of character. It’s often through trials that we grow closest to Christ and are shaped into His likeness. God's Provision Comes Through Work Another distortion in prosperity teaching is the expectation of windfalls—blessings that come without effort. But God’s design for provision is through work. From the beginning, humans were created to labor and create, reflecting the image of God. Working, creating, and flourishing through effort honors our design and brings fulfillment. Attempts to bypass God’s design through get-rich-quick schemes ultimately violate our dignity and God’s intended path for flourishing. Prosperity preachers often misuse Scripture to back their claims. One example is 2 Corinthians 8:9: “That though He was rich, yet for your sakes He became poor, that you through His poverty might become rich.” Taken out of context, it may sound like a promise of material wealth. But in its context, Paul is referring to our spiritual poverty and Christ’s sacrifice to make us spiritually rich—context matters. Misreading Scripture to fit a materialistic theology distorts the gospel’s central message. Giving as Grace, Not Greed Prosperity theology often frames giving as a transaction: sow a seed to receive a harvest. But biblical generosity isn’t about personal return—it’s about grace. True giving flows from love for God and neighbor. We give not to get, but because we’ve already received so much. Our stewardship reflects our gratitude, not our greed. The heart of biblical giving is a response to God’s grace, not a strategy for personal gain. Make your life about Christ, not your increase, not your own prosperity, but about flourishing in the image of His Son. That’s the true antidote to the prosperity gospel. We aren’t promised wealth, ease, or success. But we are promised Christ—and in Him, we find...