Faith & Finance

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23 It’s easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn’t come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement. Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their 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. Rediscovering Purpose in Retirement What if retirement wasn't the end of something, but the beginning of something far greater? With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?” Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today’s media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing. A Biblical Alternative: Eldership, Not Escape The Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn’t “quitting”; it’s wise delegation and reorientation. There’s a three-part vision in light of this: The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates. A Path Forward: Rest and Renewal We encourage retirees to start with rest, not for rest’s sake, but to re-center and listen for God’s leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life’s transitions. It’s recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God’s direction. Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it. As Psalm 92:12–14 reminds us: “The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.” So what’s next? Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet. It’s time we shifted the retirement conversation from numbers to calling. Embrace an Uncommon Retirement If you're ready to rethink retirement, pick up Jeff’s book, An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life. And if you want to read Jeff’s full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give. Because retirement isn’t the end—it’s the start of a new mission. Let’s live it well. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)...

Larry Burkett often said that capitalism must be tempered by Christian love, compassion, and stewardship. Proponents of capitalism and free markets don’t often express that concern, just as believers in social welfare rarely count the cost. Jim Jones joins us today to talk about a new way of looking at those ideas. Jim Jones is a Chartered Financial Analyst® (CFA®) and Certified Kingdom Advisor® (CKA®). He is also the author of Utopia Reimagined: An Allegory of Capital and Conscience. A Unique Approach to Biblical Economics Unlike typical finance books, Utopia Reimagined is a novel—a work of fiction designed to explore serious biblical and economic themes through story. Why fiction? Jesus often used storytelling to challenge people’s assumptions and invite deeper reflection. From the Good Samaritan to the Prodigal Son, stories have the power to stick with us in ways data and arguments often can't. As G.K. Chesterton once quipped, “Novels are more true than science textbooks. Life is sometimes like a science textbook, but life is always a story.” The Journey of Alexander and Pauline The novel follows two siblings—Alexander and Pauline—on a journey through contrasting societies, each representing different economic and political ideologies. Alexander, a gifted but oppressed peasant in 18th-century France, escapes a feudal system to explore new societal models. His journey takes him through a magical cave into Santosa—a society with socialist tendencies—and eventually to New York City, the heart of free-market capitalism. Along the way, Alexander wrestles with the tension between opportunity, freedom, and justice. Pauline’s journey is more focused on the moral and cultural fabric of each society. Her lens offers readers a parallel exploration of what’s right, just, and good—not only economically, but relationally and spiritually. Through these characters, readers are invited to explore how faith shapes our perspectives on power, wealth, justice, and human dignity. Some characters see everything through the lens of faith, while others struggle to integrate it or reject it altogether. The beauty of storytelling is that it doesn’t just show you what people believe, but why they believe it. That builds compassion and opens the door to real understanding. What Does a Biblical Utopia Look Like? In the final chapters of the novel, Alexander and Pauline discover a society that reflects the fullness of God’s Kingdom—a glimpse of the new heavens and the new earth. It’s a world where work, community, economics, and leadership are all governed by Christ’s nature: sacrificial love, justice, and peace. But how do we pursue this kind of utopia now? Real change begins not at a national or global level, but in our local Christian communities. Reflecting God's image means practicing agape love—self-sacrificing care for one another—in how we use our time, money, influence, and power. We do that in community, not alone. Bringing the Vision to Life More than just a novel, Utopia Reimagined is a tool for discipleship and transformation. It’s a call to rethink how we live, give, work, and govern in light of God’s design. Through this engaging allegory, Jim Jones invites believers to dream again—anchored in Scripture and empowered by the Spirit—to reflect the Kingdom of God on earth as it is in heaven. That’s why he has developed a discussion guide for churches, small groups, and communities who want to go deeper. It’s available at utopiareimagined.com, where readers can also purchase the book or join a virtual conversation with Jim himself. And for a limited time, the Kindle edition is available for just $1.99. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineUtopia Reimagined: An Allegory of Capital and Conscience by James G. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial...

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio. Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. What Is an ETF—and How Does It Differ from a Mutual Fund? Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions. ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes. Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It’s also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider. While some ETFs are straightforward, others are complex. For example, oil futures ETFs don’t always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions. Faith-Based Investing with Praxis Historically, faith-based investing has centered around mutual funds. But that’s changing. Praxis recently launched two ETFs designed with Christian values at their core: PRXGPRXV:These funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement. For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It’s vital to have Christians at the table asking not just what is possible, but what kind of future we want to create. If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don’t compromise on financial performance. Learn More You can explore Praxis’s biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com. Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it’s possible to steward God’s resources with wisdom, impact, and integrity. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazinePraxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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 Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25 We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope. Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. When Life Doesn’t Go According to Plan Whether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair. In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us. When our expectations are shattered, our reactions often fall into two extremes: Resignation:Control:Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind. Psalm 27:14 says, “Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!” Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, “The work God wants to do in us while we wait is as important as what we are waiting for.” Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way. Practical Steps for Seasons of Waiting Drawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting: Acknowledge God is at work“I am doing a work in your days that you would not believe if told.” Change your perspective Worship in the waitingFor those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand. And that’s not just a consolation—it’s a promise. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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 Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it’s not because money is the most important topic. Rather, it’s because money is one of the most accurate indicators of what’s going on in our hearts. If you explore this subject, you’ll find stats like “1 out of every 7 verses in which Jesus speaks involves money,” or “11 of His 39 parables are about money.” While I’m not sure if those stats are accurate, it is true that Jesus mentions money a lot. However, His teaching is rarely about money itself. It’s always about something bigger, looming in the background. Money isn’t just a resource; it’s a reflection. It reveals our priorities, fears, hopes, and values. Whether we live paycheck to paycheck or have significant wealth, we all wrestle with what money means to us. That’s why Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.” From personal stress to relationship breakdowns, money often acts like a magnifying glass. It brings underlying values to the surface. For example, in marriage, financial tension is often less about dollar amounts and more about differences in values, such as security versus spontaneity, generosity versus comfort, and planning versus pleasure. Every Financial Decision Is a Spiritual One Even small spending decisions carry spiritual weight. That morning latte? Those new shoes? They may seem trivial, but they reflect priorities. Matthew 6:24 reminds us that “no one can serve two masters…you cannot serve God and money.” This doesn’t mean we can’t enjoy God’s provision. In fact, Ecclesiastes 3:12–13 says, “There is nothing better…than to be joyful and to do good…also that everyone should eat and drink and take pleasure in all his toil—this is God’s gift.” However, that enjoyment must be balanced with the bigger picture: Are our financial decisions aligned with God’s heart? In marriages and relationships, conflicting values around money are common, and they’re not necessarily wrong. One spouse may dream of traveling to create family memories, while the other may want to boost their retirement savings. Both can honor God. The key is discovering common ground and inviting God into the conversation. Howard Dayton, the previous host of this program, used to say, “It’s hard to quarrel when you’re praying together.” Prayer aligns our hearts before we try to align our plans. Through honest conversations and mutual respect, differences can become opportunities for growth rather than division. If money disagreements persist, don’t hesitate to bring in wise, biblical counsel. A financial advisor—especially a Certified Kingdom Advisor®—can help couples or individuals uncover shared goals and develop a plan that honors God and promotes unity. The Bottom Line: God Wants Your Heart Whether you’re facing a tough decision or navigating financial tension in your home, remember: it’s not ultimately about the money. God is after your heart. And when your heart is surrendered to Him, your financial decisions will reflect that trust. So whatever you’re facing today, don’t walk through it alone. Pray. Talk. Seek wisdom. And above all, treasure Christ above all else. When He has your heart, everything else—including your finances—will follow. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

Summer’s not that far off, and the kids are already thinking “vacation.” Will you be ready for it? How can you make great family memories without breaking the budget? That’s always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation. Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. How to Take a Great Family Vacation Without Breaking the Bank Planning a family vacation is one of life’s great joys—and, if you’re not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret. 1. Start with a Plan—and Start Early Plan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like Google Flights to find the best travel deals. Google Flights lets you enter your preferred dates and search anywhere for the lowest fares. It’s a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it’s staying near the beach, and you're willing to save by eating in. 2. Look for Free Activities You’d be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories. 3. Get the Whole Family Involved Vacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they’re not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip. This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun. 4. Be Strategic About Meals Eating out can quickly blow your vacation budget. Instead, be intentional. That’s why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home. Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It’s way cheaper than dining out every meal. Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost. 5. Set a Daily Spending Limit One final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun? This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort. Remember that the best vacation is the one you come home from without credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable. Want more money-saving tips from Crystal? Visit MoneySavingMom.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineMoneySavingMom.comGoogle FlightsBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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...

What’s the difference between a bank and a credit union? More than you might think. At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why. Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. A Different Kind of Financial Institution Credit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent. However, Christian Community Credit Union (CCCU) goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom. At Christian Community Credit Union (CCCU), they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments. Surprising Strength in Rates and Services Many people assume credit unions can’t compete with traditional banks regarding rates, but that’s a misconception. Because credit unions don’t exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees. Here’s a snapshot of Christian Community Credit Union’s (CCCU) current offerings: Harvest High-Yield Checking:Harvest High-Yield Savings:Welcome CD:Cash Back Credit Card:andCCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support. Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like FaithFi and Compass Financial Ministry to help our members grow in their financial discipleship. It’s not just about managing money well—it’s about managing money faithfully. Funding Ministry and Fueling the Gospel One of the most inspiring aspects of CCCU is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need. From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily. Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide. Becoming a Member is Easy So, how can you join? Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member. With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory. To learn more or become a member, visit joinchristiancommunity.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio...

Did you know there’s a way to tap into your home’s equity for tax-free cash—without having to make monthly payments? It’s true. It’s called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today’s reverse mortgage isn’t what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you. 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. What’s Changed? A Safer, Regulated Option When you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past. Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan’s term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA). No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn’t change, and homeowners are protected. These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling. Are Reverse Mortgage Interest Rates Too High? It’s a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn’t apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated. Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren’t sacrificing much, if anything, in interest when compared to forward mortgages. What About Costs and Obligations? The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance. This insurance offers three essential guarantees: Yes, this insurance adds about 2% of the home’s value to the upfront costs, but it’s well worth it—just like homeowner’s insurance is worth it if your house burns down. What Happens When the Borrower Passes Away? A major concern many have is what happens to the home after the homeowner dies or permanently moves out. The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000. Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning. Flexible Payout Options One of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways: The big idea? Your home is not just a place to live—it’s also a financial asset that can be used strategically, especially in retirement. Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home. Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money...

“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - Psalm 82:3–4 As followers of Christ, we’re called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. ​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at Heart for Lebanon, an underwriter of Faith and Finance. The Crisis Behind the Headlines In a society shaped by shame-and-honor dynamics, without a biblical understanding of human dignity, refugee girls—especially Bedouin and Kurdish—are often seen as burdens or liabilities. Add to that multiple wars, a collapsed economy, and weak legal protections, and the danger becomes tragically clear: girls are exploited because they’re seen as expendable. But Heart for Lebanon is stepping in not just to rescue—but to prevent. That may sound counterintuitive until you hear stories like Ferial’s—a grandmother who joined a literacy class to model a different future for her granddaughters. After coming to know Christ through Heart for Lebanon, she said, “I can’t change what happened to my daughters, but I can change the future for my granddaughters.” Prevention means investing in the whole family unit. It means addressing spiritual, emotional, and physical needs by offering: One of the most moving examples is Alima, a 10-year-old enrolled in Heart for Lebanon’s Hope Education Program. Her mother, under cultural and financial pressure, began pushing Alima to abandon school and enter into marriage. But because of the truth Alima had learned through Heart for Lebanon—truth about Jesus and her God-given worth—she found the courage to push back. Her bold faith not only protected her from child marriage but, through prayer and persistence, led to her mother’s salvation as well. This is the ripple effect of prevention-centered ministry. Real Change Through Holistic Ministry The key to sustainable impact is community transformation. The goal isn’t to isolate and remove girls from danger—which can sometimes cause more trauma—but to reshape families and communities from within through Gospel truth. When fathers, uncles, and guardians are discipled alongside mothers and daughters, entire cultural norms begin to shift. That’s what Heart for Lebanon is doing every day—breaking cycles of violence and shame with the hope of Jesus. Heart for Lebanon is inviting the Faith & Finance family to join them in this mission. A gift of $114 helps reach and protect three at-risk girls, offering them education, protection, and the Gospel of Jesus Christ. You can give by: FaithFi.com/LebanonOur shared goal? To introduce 500 young women and girls to Jesus and prevent the heartbreaking patterns of early marriage, child labor, and violence. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineHeart For LebanonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions 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.

“A good man leaves an inheritance to his children's children…” - Proverbs 13:22 That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with The National Christian Foundation (NCF), where she assists families nationwide with achieving their charitable gift-planning goals. What Is an Intentional Inheritance? An intentional inheritance is more than the distribution of wealth. It’s a prayerful, purposeful plan for shaping the lives of those who will receive what we leave behind. Inheritance is one of the most significant stewardship decisions we make. It’s not just about how much but how—and why—we give. This perspective calls for a deep shift. Before passing on wealth, we must first pass on wisdom. Otherwise, unmanaged or misunderstood wealth can do more harm than good. Start with Prayerful Introspection Ask yourself: What role does wealth play in my life? Reframe your mindset around money—not as a measure of success or security but as a tool for Kingdom work. Wealth is an entrustment from God, not an end in itself. That means laying it down at the cross daily, asking the Lord to help us steward it with humility and grace. Three Types of Inheritance To simplify this big task, here are three kinds of inheritance every Christian family should consider: 1. Inheritance to Spend This is the traditional kind of inheritance—resources intended to provide opportunities, experiences, and essentials. Think of it as financial fuel to help your heirs live productive, content lives. But maturity matters. Consider using this inheritance to fund training, travel, or education before a large transfer, especially if the heir is still developing financial literacy or spiritual maturity. 2. Inheritance to Shape This is where legacy comes to life. Instead of simply giving money, consider shaping character through shared experiences—like mission trips, retreats, or projects that reflect your family’s values. 3. Inheritance to Share We’re blessed to be a blessing. Set aside a portion of your estate to fuel generosity in the next generation. This might include donor-advised funds, charitable trusts, or other giving vehicles your heirs can use to support ministries or causes close to their hearts. This is how we teach our children to reflect God’s love through giving. Practical Steps to Craft an Intentional Inheritance Here are four foundational steps to take: 1. Engage in Open Dialogue Talk with your heirs about the purpose behind the inheritance. Focus less on how much and more on why. Share your values, your heart for the Kingdom, and how you hope the inheritance will be used to bless others. This conversation builds trust, understanding, and spiritual alignment. It’s not about dollars and zeros; it’s about attitude, opportunity, and calling. 2. Work with Faith-Aligned Advisors Choose financial and legal professionals who share your biblical worldview. Whether you're working with an estate attorney or a financial planner, the right team will help ensure your legacy is stewarded with wisdom and integrity. That’s why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.” 3. Prepare Your Heirs Don’t wait until the inheritance is distributed. Teach your heirs financial literacy and spiritual stewardship now. Let them stumble, learn, and grow while you’re still here to mentor and encourage them. 4. Use Strategic Tools Leverage estate planning vehicles like wills, trusts, donor-advised funds, and charitable gift plans. These tools help ensure your assets are distributed in a way that promotes ongoing...

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9 Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn’t the end of the story—it’s the turning point. It’s the day God’s grace was poured out most fully and most freely. Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn’t just die for us—He died instead of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn’t just a wooden beam but the full weight of our guilt and rebellion. And yet, it was love—not nails—that held Him there. The Financial Language of Redemption Here on Faith & Finance, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation. “The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.”“You were bought with a price. So glorify God in your body.”These verses paint a clear picture: our sin incurred a debt that only Jesus could pay. Tetelestai: It Is Finished In John 19:30, as Jesus gave up His spirit, He cried out, “It is finished.” The Greek word He used—tetelestai—was more than a declaration of His suffering ending. It was a victory cry. In the ancient world, tetelestai was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant’s report that a task had been completed. So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn’t come to make a down payment on our salvation. He didn’t cover part of the cost and leave the rest up to us. He paid it all. That means you and I no longer live in spiritual deficit. We live in the overflow of God’s grace. There’s no more striving to earn God’s favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to gain life, but because in Christ, we’ve already found it. Why Good Friday Is Truly Good Good Friday is good not because it was easy but because it was enough. At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace. So, as we reflect today, may we hear His final words echo in our hearts—It is finished. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us. From Financial Fear to Freedom in Christ If this message resonates with you, we invite you to explore Look at the Sparrows, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God’s grace free us from worry and invite us to trust fully in His provision. On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineYour Money...

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14 Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot. Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. Building a Life of Faithful Stewardship from the Start Finances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That’s why it’s critical to lay a foundation not just of financial literacy but of biblical stewardship. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning. 1. Begin With a Plan—And a Budget Without a clear plan for spending, saving, and giving, it’s easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you. And you don’t have to do it alone. Tools like the FaithFi app make creating an intentional, faith-filled budget easy. It's not just about numbers—it’s about aligning your finances with your values. 2. Save for Emergencies—And Stay Out of Debt After budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits. Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can. 3. Learn from Others—and Find a Mentor There’s no substitute for wise counsel. Watch those who are succeeding with money—and those who aren’t. Learn from both. Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save. 4. Give Generously—Even When It’s Hard Start giving now. Like Randy Alcorn says, “God prospers us not to raise our standard of living, but our standard of giving.” Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider. 5. Start Investing Early—and Consistently Compound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time. Start with low-cost index funds or retirement accounts like a Roth IRA. And don’t overlook your workplace benefits. If your employer offers a match, take it. That’s free money. 6. Align Your Investments with Your Faith Today’s investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles. 7. Embrace Rhythms and Celebrate Milestones The journey to financial stability can feel long, especially when progress is slow. That’s why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We’re not meant to live like monks but are called to be wise. These rhythms of budgeting, saving, investing, and giving aren’t just habits—they’re acts of worship. 8. Talk About Money—Especially in Marriage Money fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often. Being on the same page financially brings...

In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust. When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test. The Temptations of Adversity Financial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith. James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.” So how do we remain grounded—whether in feast or famine? The answer is wisdom. Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.” This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction. Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing. What Wisdom Brings Godly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely: Discernment:“Then you will understand what is right and just and fair—every good path”Guidance:“In all your ways acknowledge Him, and He will make your paths straight”Blessing:“Blessed is the one who finds wisdom, and the one who gets understanding”Reputation:“The wise inherit honor, but fools get only shame”Protection:“Through the fear of the Lord a man avoids evil”Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways. In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.” When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy. Applying Wisdom to Your Finances Here are three practical ways to walk in financial wisdom: 1. Recognize God’s Ownership Everything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give. Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart. 2. Live by Biblical Principles Scripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, “In humility, consider others more significant than yourselves.” 3. Pursue Contentment Paul writes in 1 Timothy 6:6, “Godliness with contentment is great gain.” True wealth isn’t about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism. What Do Your...

For the past decade, U.S. stocks have stolen the spotlight. Fueled by the dominance of tech giants and ultra-low interest rates, American equities have outperformed much of the world—leaving many investors to wonder if there’s any need to look beyond U.S. borders. But history—and current market conditions—suggest it may be time to take a fresh look at foreign stocks. A recent article from Sound Mind Investing by Mark Biller outlines why international markets could be poised for a resurgence. From valuation gaps and shifting fiscal policy to global capital flows and post-COVID economic trends, several factors are aligning that could make foreign equities an important part of a well-diversified portfolio again. Let’s walk through the key highlights and insights from the article—and why this may be a wise moment to think globally in your investment strategy. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Why Should U.S. Investors Consider Foreign Stocks? 1. Diversification and Market Dynamics Foreign stocks offer investors the opportunity to diversify—not just by geography but also by market behavior. While U.S. stocks declined by more than 4% in Q1 of this year, a common international fund used by Sound Mind Investing rose by over 8%. That kind of divergence underscores the value of spreading risk across global markets. Two decades ago, having 20% or more of your equity portfolio in international stocks was standard practice. However, as U.S. markets have surged over the last 14 years—outperforming foreign stocks by a factor of four—many investors have pulled back. History, however, suggests the pendulum could be swinging back. 2. The Tech Bubble Parallel Remember the late 1990s tech boom? From 1995 to 1999, the S&P 500 rose more than 20% annually, driven largely by internet stocks. Sound familiar? After the dot-com bubble burst in March 2000, U.S. stocks stalled—gaining just 13% over the next 7.5 years. Meanwhile, foreign stocks soared, climbing 69% during that same stretch. Market cycles like this remind us that chasing performance can lead to missed opportunities elsewhere. 3. A Price-to-Earnings Disparity Currently, U.S. stocks trade at a P/E ratio of around 26—well above historical norms. Foreign stocks? Around 16. That’s a significant valuation gap. While valuation alone doesn’t indicate when markets will shift, it does suggest that the upside potential for international equities is greater—especially if investor sentiment begins to shift. 4. Post-COVID Spending and Sector Shifts COVID-19 marked the end of a 40-year trend of declining inflation and interest rates. Since then, we’ve entered a new environment with higher inflation and rising rates—conditions that benefit the more industrial, less tech-heavy composition of many foreign markets. U.S. tech stocks, dominant in low-rate environments, may not fare as well moving forward. Foreign markets, which lean toward traditional sectors, could outperform in this new economic climate. 5. Shifting Fiscal Policy One potential catalyst for foreign stock performance is shifting government policies. The U.S. has begun cutting back on spending, while other countries—facing rising defense needs and new trade dynamics—are ramping up. Historically, higher government spending boosts economic growth in the short term. If the U.S. tightens its belt while others open their wallets, we may see a reversal in relative market performance. 6. The "Sequencing Risk" of Tariff Policies “Sequencing risk” is a dynamic in which the pain of policy changes is felt up front, while the benefits come later. For example, tariffs initially slow economic activity but are implemented in hopes of long-term economic independence and stability. This could reduce U.S. growth projections in the short term as some foreign economies accelerate. This divergence can significantly influence investment returns. 7. Follow the...

In today’s fast-paced world of cryptocurrency booms, sports betting apps, and market volatility, it’s easy to blur the lines between investing and gambling. Some even suggest they’re essentially the same: putting money at risk in hopes of a reward. But that’s a serious oversimplification—and it misses what sets these two activities apart, not just financially but morally and biblically. Let’s examine closely how Scripture, wisdom, and faith guide us in thinking rightly about risk, wealth, and the difference between gambling and godly investing. Surface Similarities, Foundational Differences Yes, both investing and gambling involve uncertainty. But the nature, purpose, and outcome of that uncertainty reveal a stark contrast. Investing is thoughtful risk—measured, intentional, and directed toward long-term growth and productivity. It’s about building something: a business, a future, a legacy. Gambling, on the other hand, is a zero-sum game. One person’s win always comes at another’s loss. There’s no product created, no value added—just money changing hands, often driven by chance. Scripture doesn’t condemn risk itself. In fact, Ecclesiastes 11:1 encourages wise, forward-looking activity: “Cast your bread upon the waters, for you will find it after many days.” Farmers sow in faith, business owners launch ventures without knowing outcomes, and faithful stewards invest, trusting God while using His resources wisely. At its best, investing helps others flourish. When you invest in a company, you support its ability to hire employees, create products, and expand services. It contributes to the real economy. This aligns with the biblical call to participate in the common good and steward what we’ve been given. In contrast, gambling thrives on imbalance. Its business model depends on extracting wealth from those who can least afford to lose it. According to numerous studies, gambling establishments disproportionately profit from those in financial distress. That’s not just unfortunate—it’s unjust. Scripture speaks clearly on this: “Ill-gotten gains do not profit anyone, but righteousness rescues from death.” - Proverbs 10:2 “Learn to do right; seek justice. Defend the oppressed.” - Isaiah 1:17 When we gamble, we’re often not just risking money—we may be supporting an industry that profits from injustice and preys on desperation. Faithful Investing Is an Act of Stewardship In the Parable of the Talents (Matthew 25:14–30), Jesus praises servants who wisely multiply what was entrusted to them. This wasn’t a message about maximizing profits—it was about faithfulness. The servants who acted wisely weren’t gamblers but stewards who took action with the Master’s interests in mind. That’s the heart of Christian investing: not chasing gains but multiplying God’s resources to serve others and glorify Him. As stewards, we ask not just what we invest in but why. Are we motivated by generosity or greed? By love for neighbor or love of money? Gambling feeds on a dangerous lie: “If I just get lucky, everything will be better.” It exploits our dissatisfaction and fuels a restless craving for more. But the Bible calls us to contentment, not a compulsive pursuit of wealth. “Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’” - Hebrews 13:5 That warning doesn’t apply only to gamblers. Even investing, when driven by fear or pride, can become a spiritual trap. Hoarding under the guise of saving. Obsessing over returns instead of resting in God’s provision. That’s why heart-checks are essential: Am I trusting in God—or in my portfolio? Gambling Turns Money into a God—Investing Can Turn It into a Tool Jesus was clear: “You cannot serve both God and money.” - Matthew 6:24 Gambling often makes money the master—something to chase, fear, and idolize. But investing, done with a kingdom mindset, makes money a servant—something to steward...

Israel is a nation often in the news but seldom for its potential as an investment. ​Israel is a tiny country but a powerhouse for investing opportunities, particularly in the tech sector. Brian Mumbert joins us today to examine Israel in a different light. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance. Is It Safe to Invest in Israel? Despite frequent headlines about conflict in the Middle East, Israel stands out as a remarkably resilient nation with an entrepreneurial spirit. Israelis have a low view of debt culturally. In fact, at one point, the government even sent out piggy banks to every citizen to encourage savings and wise stewardship. That mindset—combined with a tech-forward economy—creates strong fundamentals that appeal to values-based investors. Understandably, some investors may wonder about the safety of investing in a country with frequent regional conflict. Israel is regulated just like the U.S. They have their own stock exchange—the Tel Aviv Stock Exchange—and the top 125 companies are listed on the Tel Aviv 125 index. Even during times of war, Israel’s economy continues to operate. Brian compared it to the U.S. during World War II: while volatility occurred, the Dow still gained over 50% from 1939 to 1945. A Developed Economy with Room to Grow Israel graduated from the emerging markets category to a developed economy in 2009. While this was a major step forward, it ironically resulted in less attention from global investors, since many international funds tend to favor larger developed economies like Japan or those in Europe. Still, the fundamentals are strong. Israel’s unemployment and inflation rates remain low, and the U.S. continues to be a committed ally. Israel has earned the nickname “Startup Nation” for good reason. Its high-tech sector employs 12% of the workforce and generates 20% of the country’s GDP. Many Israeli companies don’t become household names because giants like Apple, Google, and Amazon acquire them. Notable examples include: Mobileye—Waze—Cherry Tomatoes—The government’s support of tech innovation has made Israel the third-largest tech hub globally by capital raised—just behind Silicon Valley and New York. While tech leads the way, Israel’s financial sector is also strong due to the cultural avoidance of debt. This contrasts sharply with many Western nations. Innovations in agriculture (like drip irrigation) and strong export activity also contribute to Israel’s economic resilience. Over 50% of Israel’s exports are tech-related; major U.S. companies like Apple have invested heavily in Israeli startups, demonstrating the global demand for their innovations. Israel’s global relationships are improving, with normalization efforts such as the Abraham Accords expanding diplomatic and trade ties across the Middle East. Venture capital is thriving, too. Israel boasts over 270 active VC funds, and from 2014 to 2018, investment in Israeli startups grew by 140%—more than double the rate in the U.S. during the same period. The Timothy Plan’s Israel Common Values Fund Timothy Plan offers the Israel Common Values Mutual Fund for those interested in investing in Israel in a biblically responsible way. This fund stands out in several ways: Actively managed—Focused exposure—Faith-based screening—Timothy PlanThe fund performed very well last year as the Israeli Stock Exchange closed the year up over 20%, with most of that growth coming in the second half. If you’re interested in learning more about investing in Israel and doing so in a way that aligns with your faith, visit TimothyPlan.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineTimothy PlanIsrael Common Values Mutual FundBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich...

You’ve probably heard the phrase, “You can’t out-give God.” It may initially sound like bumper-sticker theology, but the truth behind it runs deep. Though you won’t find those exact words in Scripture, the idea captures something profoundly true about God’s heart: His generosity is limitless—and it’s meant to shape our own. From Genesis to Revelation, Scripture reveals a God who gives. But nowhere is His generosity clearer than in John 3:16: “For God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life.” This is the ultimate act of giving—motivated not by our merit but by His love. Romans 5:8 echoes the same truth: “God demonstrates his own love for us in this: While we were still sinners, Christ died for us.” God didn’t give to get. He gave because He loves. And when we receive that love, it transforms how we view giving—not as a transaction but as a response. Giving as a Response to Grace Let’s be honest: Giving can feel risky. You might wonder, “What if I give too much and don’t have enough left?” But the Bible reassures us that God provides for those who give in faith. 2 Corinthians 9:8 says: “God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.” This isn’t a promise of earthly riches. It’s a promise of sufficiency—that God gives enough so we can keep participating in His work. We don’t give to earn God’s favor. We already have that through Jesus. That’s grace—unearned, undeserved, freely given. And grace leads to gratitude. It turns our hearts outward. Giving Isn’t About Getting Some teach that generosity leads to material blessings. And yes, God sometimes blesses financially so that we can continue giving. But that’s not the goal. Author Steve Johnson puts it well: “We are not to give to get earthly reward, expecting God to always give us back in this life what we invest in the Kingdom. Instead, seek the heavenly reward of God Himself.” That’s the real treasure: not stuff, but the Giver Himself. Generosity deepens our trust in God and draws us closer to His heart. King David got it. When he led the Israelites in giving toward the Temple’s construction, he didn’t boast. Instead, he prayed: “But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” - 1 Chronicles 29:14 David knew the truth: everything we have belongs to God. Giving isn’t really “ours”—it’s just returning what He already gave us. That changes how we see money, generosity, and even success. Imitating the Ultimate Giver When we say “You can’t out-give God,” we’re not making a challenge. We’re affirming a truth. James 1:17 reminds us: “Every good and perfect gift is from above, coming down from the Father…” Our generosity isn’t about competition—it’s about imitation. Ephesians 5:1 calls us to “be imitators of God, as beloved children.” That includes imitating His generosity. As we grow in faith, we become more like Jesus, who gave everything. Galatians 2:20 says: “I have been crucified with Christ and I no longer live, but Christ lives in me…” That changes our priorities. Our trust deepens. Giving becomes an act of worship, not obligation. You may not feel like a generous person today, but don’t be discouraged. God is patient. His Spirit is working in you. 2 Peter 3:18 urges us to: “Grow in the grace and knowledge of our Lord and Savior Jesus Christ.” That growth includes learning to trust Him more and give more freely. And when we give in Jesus’ name, we don’t just meet needs—we reflect His love. Here’s the beautiful part: We don’t give because we have to. We give because we get to. We participate in what God is doing in the world. And in the process, we experience the joy of knowing Him more deeply. So no, we’ll never out-give God. But we don’t need to. We simply...

Most people would say their most important relationships are with their spouse, children, or close friends. These connections are deeply meaningful and essential. But there’s one relationship that surpasses them all—your relationship with God. You might be wondering, What does my relationship with God have to do with money? That’s a fair question—and the answer is, quite a lot. While human relationships are a gift from the Lord, none carry more eternal weight than our relationship with Him. God invites us into close fellowship, and how we manage what He’s given us is part of that journey. The Bible provides three foundational truths to help us understand the significance of this relationship, especially when it comes to money. 1. God Owns Everything Colossians 1:16 says, “For by him all things were created, in heaven and on earth, visible and invisible... all things were created through him and for him.” God is the Creator and Owner of everything, including your money, time, possessions, and even your abilities. 2. God Entrusts Us With His Resources 1 Peter 4:10 tells us, “Each of you should use whatever gift you have received to serve others, as faithful stewards of God’s grace…” We don’t own anything outright. God entrusts us with resources so we can steward them faithfully and generously. 3. God Desires a Close Relationship with You James 4:8 says, “Draw near to God, and he will draw near to you.” God is not distant. He wants a daily, personal relationship with you—one in which trust, dependence, and obedience shape every area of your life, including your finances. Money Is a Spiritual Matter The Bible contains over 2,300 verses about money and possessions. Why so many? Because how we handle money reflects the condition of our hearts. As our friend Howard Dayton has said, managing money according to God’s wisdom deepens our fellowship with Christ. Jesus called this kind of relationship “true riches.” Luke 16:11 says, “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” When we manage money well—not to earn God’s favor but as an act of worship—we reveal a heart that trusts Him. Heart Check: What’s Standing in the Way? Sometimes, obstacles get in the way of this kind of faithful stewardship. They usually fall into two categories: 1. Financial Neglect This is unintentional. Life gets busy, and organizing your finances can feel overwhelming or unimportant. But ignoring your money can lead to stress, disorganization, and missed opportunities to serve and give. A practical step: Download the FaithFi app. It offers three easy ways to set up a spending plan and track your money. It’s a simple tool to help you begin stewarding faithfully. 2. Financial Idolatry This is more subtle. You may be diligent in budgeting, saving, or investing, but you still hold your money tightly, unwilling to surrender it to God. Jesus said in Matthew 6:24, “No one can serve two masters... You cannot serve God and money.” Money can become a rival to God’s rightful place in our hearts. We may hesitate to give generously or support Kingdom work—even though God is calling us to trust Him more deeply. Are You Missing Out on “True Riches”? Some assume that financial choices don’t affect their spiritual lives, but that’s not what Scripture teaches. If you’re not following biblical principles in handling money, what peace or spiritual growth might you be missing? Ask yourself: If any of this resonates with you, don’t wait. Commit your finances to the Lord in prayer, and then follow through by managing them according to biblical wisdom. Start with the FaithFi app—not just to budget but to renew your perspective. It connects you to trusted Christian financial content and helps you integrate your faith with every financial decision you make. True riches aren’t found in net worth or material success. They’re found in knowing Christ and faithfully stewarding what He’s entrusted...

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.” Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. Today, Ron Blue joins us to discuss the Uniqueness Principle and how it can guide parents in passing down wealth effectively. Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives. The Uniqueness Principle: Equal Love, Unique Treatment Probably every parent of more than one child has asked, “How can children coming from the same two parents, with the same gene pool, living in the same environment, with the same stimuli…be so different?” Of course, we all know that estate planning can be challenging, and we understand the desire to be fair. However, the answer lies in what Ron Blue calls the Uniqueness Principle: Love your children equally, but treat them uniquely. If we think about how God treats us, He loves us all equally and treats us uniquely. In other words, God doesn’t give everyone the same gifts, challenges, or circumstances—and maybe we shouldn't either when planning our estates. One child may have greater needs, and another may be wiser in handling money. Those realities need to be part of the decision-making process for transferring wealth. Each of my children is different financially, emotionally, and spiritually. Over the years, Ron and his wife, Judy, have allocated varying amounts to each of them, taking into account their individual needs and life circumstances. Good stewardship means recognizing these differences and allocating resources accordingly. Fairness vs. Favoritism: Learning from Scripture Many parents worry about resentment among their children if they don’t divide assets evenly. The best way to handle this is through clear communication. Open and honest conversations while you’re alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity. As parents, we need to work diligently to avoid favoritism. Rightfully so, as favoritism has caused much pain and divisiveness in families for thousands of years. Look at the story of Joseph in the Old Testament. The Bible says that his father, Jacob, "loved Joseph more than any of his other sons" (Genesis 37:3). Jacob later gave Joseph a richly ornamented coat of many colors. Although Jacob had unique treatment toward Joseph, Jacob violated the Uniqueness Principle. Jacob did not love his sons equally. Equal love often requires unique treatment. As stewards of God’s resources, we are called to manage them wisely, ensuring that our decisions reflect both love and responsibility. The Three Questions That Changed Everything That said, we aren’t saying that it is better to leave different amounts to children. Instead, following a systematic process is the key to wise decisions. When making wealth transfer plans, Ron encourages parents to ask themselves three key questions: It’s helpful to ask yourself three questions: The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that’s not the objective of these questions. The goal is to guide you toward a well-thought-out decision. Ultimately, wealth transfer should reflect God’s wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered. So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God’s wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible. On Today’s Program, Rob Answers Listener...

“And he died for all, that those who live might no longer live for themselves but for him who for their sake died and was raised.” - 2 Corinthians 5:15. Most of us view our income as God’s primary way of providing for us—and then, almost as an afterthought, we consider giving. But what if Scripture teaches the opposite? Paul David Tripp is here to flip our theology of money upside down. Paul David Tripp is the president of Paul Tripp Ministries, a pastor, best-selling author, and international conference speaker with a heart for connecting the transforming power of Jesus Christ to everyday life. He has written over thirty books and resources on Christian living, including Redeeming Money: How God Reveals and Reorients Our Hearts. Why We Struggle to Be Generous Sin causes us to live with an obsessive self-focus, and money often becomes the most obvious place that focus shows up. We think first about what we need, want, and what dreams money can buy…and only then might we consider being generous with it. We need to recognize the tension between what God intends for our money, what we say we believe about Him, and how we actually live that out through our bank accounts.” Reversing the Order: What If Generosity Came First? Here’s the big idea that flips our theology of money on its head: Most of us view our income as God’s primary way of providing for us—and then, as a sort of afterthought, He also calls us to give. But what if Scripture actually teaches the opposite? What if God’s primary purpose for money is that we would be participants in His generosity story? And then, almost as an afterthought, He uses it to meet our daily needs?” This idea is rooted in Jesus' words in Matthew 6:19–34, the “Treasures in Heaven” section of the Sermon on the Mount. Jesus teaches that financial peace begins not with budget-savvy spreadsheets but with trust: You have a heavenly Father who knows what you need and promises to provide. Here are just a few of those promises: Philippians 4:19—“And my God will supply every need of yours according to his riches in glory in Christ Jesus.”Matthew 6:31–32—“Do not be anxious… your heavenly Father knows that you need .”Luke 12:24—“Consider the ravens…yet God feeds them. Of how much more value are you than the birds!”If God has taken the burden of provision off our shoulders and onto His, then we’re free to have a bigger, more beautiful vision for our money. A Transformed Purpose: From Getting to Giving When we understand that provision is God's job and generosity is our calling, we begin to see money differently. Paul highlights Ephesians 4:28 to illustrate this: "Let the thief no longer steal, but rather let him labor, doing honest work with his own hands, so that he may have something to share with anyone in need." Here’s what’s striking: The passage doesn’t say, “so he can legally provide for himself.” The focus shifts from self-centered stealing to God-honoring generosity. It’s not just a change in behavior—it’s a complete transformation of the heart. God’s grace reorders our motives. Without this grace, our pursuit of money will always drift toward self. And we’ll try to squeeze God into the leftovers. More Than Mechanics: Recovering the Bigger Picture Paul also notes that many Christians get stuck in the mechanics of money: These are good and necessary questions, but if we focus only on them, we miss the greater story. Instead of starting with ourselves and hoping something is left for God, Scripture invites us to flip that approach. We’re called to live as God’s generous ambassadors on earth, using our money as an act of worship, love, and service. It’s not about ignoring bills or forsaking grocery runs—it’s about reordering our hearts. Freedom Through Generosity May God, in His faithful grace, continue to liberate us from our bondage to ourselves. He will liberate our wallets from their bondage to self-focus as He does. This isn’t just about giving more—it’s about being...