Faith & Finance

Getting fit takes willpower. Earning a degree takes determination. Reaching your career goals takes hard work. In short, success takes commitment. And the same is true when it comes to your finances. Today, we’ll explore what changes when you commit to managing money God’s way. You’ve heard the saying, “Things worth doing are worth doing well.” And when it comes to your finances, there are certainly some things worth doing—like saving for the future, creating a spending plan, paying down debt, giving generously, and living with honesty and integrity. If you want to see real results in any area of life, it’s going to take effort—sometimes a lot of it. And that’s true for your financial life, too. Following biblical financial principles takes determination, planning, patience, and even sacrifice. So, why is it worth the effort? Because while commitment requires something of us, it also gives something to us. When we live with faith and integrity in our finances, we experience peace, contentment, and even joy. It’s not just about doing the right thing—it’s about being transformed more and more into who God wants us to be. Joining God in His Work When you honor Him with your finances, you join in His work, bringing mercy and blessing to others. And as you experience His provision personally, your faith deepens, and your story becomes a testimony to encourage others. The Bible is filled with examples of faithful commitment. Hebrews chapter 11 is sometimes called the “Hall of Faith” because it highlights men and women who trusted God, even when they couldn’t see the outcome. Abraham, Moses, Rahab—they placed their hope in God’s promises before Christ ever came. But the ultimate example of commitment is Jesus Himself. Hebrews 12:2 says: “For the joy set before him, he endured the cross, scorning its shame, and sat down at the right hand of the throne of God.” A Savior who gave everything to redeem us is more than worthy of our full devotion in return. Faith lies at the heart of such a commitment, especially when it comes to finances. Hebrews 11:1 defines faith as: “Confidence in what we hope for and assurance about what we do not see.” That means trusting God’s promises, even when circumstances feel uncertain. Who’s Really in Charge? So, committing to manage money God’s way starts with faith, but it also requires surrender. That means asking: who’s really in charge—me, or the Lord? In Matthew 6:24, Jesus says: “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.” That’s a heavy reminder for all of us. We can’t be fully committed to both God and money. One will always take priority, and when it’s not the Lord, we will feel that tension. Here are a few honest questions to consider: If you answered yes to any of those, you’re not alone. Many of us wrestle with divided hearts. It’s easy to lean on what we can see, especially when life feels uncertain. But money, career, or comfort can never offer the lasting peace only God provides. Choosing to follow God’s financial principles takes daily trust and perseverance. Galatians 6:9 offers this encouragement: “Let us not grow weary of doing good, for in due season we will reap, if we do not give up.” Another gift of commitment is the encouragement we receive from God’s people. You weren’t meant to follow Jesus—or manage your finances—on your own. Colossians 3:12–15 paints a powerful picture of Christian community: “As God’s chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience… Let the peace of Christ rule in your hearts, since as members of one body you were called to peace.” If you’ve ever felt like giving up on your budget or putting off your giving goals, you’re not alone—we all face struggles. But if everything were easy, we’d never grow stronger. Walking With You That’s why...

“He who has ears, let him hear.” – Matthew 13:9 Those were Jesus’ closing words after telling the Parable of the Sower—a story that invites us to listen carefully, not just with our ears, but with our hearts. Today, we’ll look at this story and what it reveals about the heart behind our finances, especially the warning about “the deceitfulness of riches”. The Parable of the Sower and the State of Our Hearts The Parable of the Sower appears in Matthew 13, Mark 4, and Luke 8. It begins with a farmer scattering seed, which falls on four types of soil. Jesus later explains that the seed is the Word of God, and the soils represent different heart conditions. Some hearts are hard, others shallow. Some are fertile and ready. But one soil in particular draws our attention today: the seed that fell among thorns. In Matthew 13:22, Jesus says, “As for what was sown among thorns, this is the one who hears the word, but the cares of the world and the deceitfulness of riches choke the word, and it proves unfruitful.” Understanding the Thorns: Worry and Wealth Let’s break that down. First, Jesus points to "the cares of the world"—the daily anxieties and distractions that can crowd out our trust in God. Then, He adds “the deceitfulness of riches.” It’s not wealth itself that’s the issue. It’s the lie wealth tells: that more money will bring more peace, that possessions equal security, and that success means significance. The Bible consistently warns us about that lie: Proverbs 11:28 —“Whoever trusts in his riches will fall, but the righteous will flourish like a green leaf.” 1 Timothy 6:17 —“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God.”Wealth deceives us by offering the illusion of control and independence. It tempts us to believe we’re self-sufficient. And when we buy that lie, we slowly stop depending on God. Like thorns in a garden, worldly cares and the lure of wealth take root in our hearts, slowly crowding out our affection for God. The space once reserved for trust and obedience becomes overrun with distraction and self-reliance. As C.S. Lewis put it: “Prosperity knits a man to the world. He feels that he is 'finding his place in it,' while really it is finding its place in him.” Time for a Heart Check You might be saving diligently, investing wisely, and even giving regularly. But if you’re trusting in your portfolio more than God’s promises—or if your finances have become a source of anxiety—then it may be time to do a heart check. What kind of soil are you cultivating? When unexpected expenses hit, what comes first—prayer or panic? When you think about the future, is your hope grounded in your retirement account or in the One who holds all things together? Jesus said the seed among thorns becomes “unfruitful.” The Word doesn’t lose its power, but when wealth and worry take over our hearts, we stop responding to it. Outwardly, we may look faithful, but inwardly, our love for Him is being choked out. So, how do we respond? Jesus points to the solution just a few verses later. In Matthew 13:23, He says: “The good soil is the one who hears the word and understands it; he indeed bears fruit and yields.” Receiving God’s Word deeply isn’t a one-time event—it’s a lifelong process of cultivating the soil of our hearts. It means creating space where God’s truth can take root, thrive, and grow, without being overtaken by competing desires. Three Practices to Cultivate “Good Soil” Prioritize Your Giving— Check Your Emotional Temperature— Rethink Your Financial Goals—As Dallas Willard said, “The main thing God gets out of your life is the person you become.” That includes how you handle money. Generosity, peace, and contentment are fruits of a life rooted in Christ, not one choked out by wealth. What Are You Trusting In? Remember that the condition of your heart matters more than the condition of your...

“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” - Proverbs 19:17 As Christians, we’re called to be generous, but what does that look like when someone asks for money on the street? Should we give? Is there a better way to help? Today, Dr. David W. Jones joins us to explore the ethics of giving to homeless people and how to show compassion without causing harm. 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 author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians. A Biblical Call to Care for the Poor Scripture is clear about God’s concern for the poor and His expectation that we share that concern. Jesus said, “Give to the one who begs from you, and do not refuse the one who would borrow from you” (Matthew 5:42). The apostle John echoed this, writing, “If anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him?” (1 John 3:17). We should want to help those in need. The real question isn’t whether we help, but how. Before we give, we should examine our hearts, because our initial reaction may often be judgmental, as we may assume that the person is lazy or addicted. But Dr. Jones calls this being “middle class in spirit”. Christ doesn’t call us to be “middle class in spirit”—He calls us to be “poor in spirit” (Matthew 5:3). This shift in mindset is essential. Even if someone is unworthy of help, that’s the very reason we should want to help them. What if God waited until we deserved His grace? Is It Wrong to Give Cash? That leads to the practical question: Should we give cash to someone on the street? While the act of providing cash isn't inherently wrong, it could enable harmful behavior. Instead, it may be more beneficial to prepare in advance by carrying granola bars or other non-perishable food items. Offer something that meets a need without enabling sin. If you have the time, offer to buy them a meal instead. This kind of planned generosity helps believers act as good stewards, offering love without ignoring potential consequences. But what if the person uses the money responsibly? Should we just leave that up to God? There’s a balance because we can’t know everything about someone’s situation in a brief moment, but we are still called to be wise and loving. That means doing what we can with what we know, and entrusting the rest to the Lord. When a Handout Becomes a Relationship Sometimes, opportunities arise to do more than just meet an immediate need. Perhaps that involves building long-term relationships with individuals experiencing poverty or homelessness. These acts of sustained compassion often lead to deep transformation when we take the time to build a relationship with those who are struggling. This is an example of a development-based model of helping the poor, which contrasts with an aid-based model (like giving money or food on the spot). If a natural disaster causes poverty, aid is appropriate. However, if it’s due to systemic injustice or poor choices, long-term involvement—such as discipleship, mentoring, and support—may be necessary. Overwhelmed by Need? Start With What’s Near A common question is: Where do I even begin? The need is everywhere. The law of moral proximity encourages that we are most responsible for those closest to us. You may not be able to fix world hunger, but you can help someone in your neighborhood, church, or community. Big problems require big solutions, but God calls us to care for what’s in front of us first. Our goal isn’t just charity—it’s Christlike love, expressed with wisdom. When we begin by checking our hearts, planning for wise giving, and staying open to deeper relationships, we reflect God’s grace in practical ways. On Today’s Program, Rob Answers Listener Questions: Resources...

What does it mean to design a family legacy with intention? And how do you make sure that legacy is rooted in faith? Today, we’re talking about the legacy you’ll leave behind—and how to shape it while you still can. Jan Thompson joins us to share how you and your family can ensure your faith is reflected in what you leave behind. Jan Thompson is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and the co-founder of One Degree Advisors with over 30 years of experience in financial planning, where she specializes in purposeful financial planning, investment management, and multi-generational legacy coaching. Legacy Is More Than Money When people hear the word “legacy,” most think of money or assets passed down after death. But that’s only one part. Here are five interconnected aspects of legacy: Financial Legacy –Personal Legacy –Family Legacy –Business or Ministry Legacy –Kingdom Legacy –When families neglect the non-financial elements, their wealth is often left without context, and that’s when legacies tend to fail. The legacy failure rate is alarmingly high when these pieces are missing. Wisdom Before Wealth The largest wealth transfer in history is currently underway, but statistics indicate that wealth rarely lasts beyond three generations. Why? Here are three reasons: Wealth is a valuable tool, but without wisdom and unity, it often leads to division. Psalm 78:5–7 provides a beautiful framework for legacy planning across generations: “He established a testimony in Jacob… that they should teach them to their children, that the next generation might know them… so that they should set their hope in God…” These verses highlight three keys to a lasting legacy: remember God’s works, share your stories, and live in obedience. Whether through blessings or mistakes, we encourage families to reflect on the ways God has been present in their journey and to discuss it openly. Practical Tools and Resources To help families start this process, you can join a weekly email list at SomewhereOnPurpose.com that will provide you with simple actions to take toward building a meaningful legacy. Remember, legacy doesn’t build itself—intentional steps must be taken. And while many families delay because they don’t know where to start or feel too busy, procrastination is the “silent killer” of strong legacies. Start today. Expose your family to serving others. Take a mission trip. Engage in a local service project. Let them see the joy of generosity firsthand. Become a FaithFi Partner Right now, more people than ever are looking for biblical wisdom to navigate their finances. When you become a FaithFi Partner, you help equip believers to trust God and steward His resources for Kingdom purposes. As a Partner, you'll receive: new resourcesFaithful StewardFaithFi appJoin with your gift of $35/month or $400/year at FaithFi.com/Partner. Together, we can help more families leave a legacy that reflects their faith, not just their finances. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonSomewhereOnPurpose.comOne Degree AdvisorsWisdom 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 purposes of a person’s heart are deep waters, but one who has insight draws them out.” - Proverbs 20:5 Today, we’re kicking off a new series on temperaments, how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman and Traci Shepherd join us to explore the Red temperament and how it influences our financial decisions. Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication. Traci Shepherd is our Red Temperament representative for this episode. What Are the Four Temperaments? For those who are new to the concept of the four temperaments, here is a helpful summary: Yellow (Sanguine):people and funRed (Choleric):power and controlBlue (Melancholic):perfection and orderGreen (Phlegmatic):calm and harmonyEach temperament influences how we speak, listen, behave, and manage our finances. The Red Temperament: Driven and Decisive Reds are typically goal-oriented, confident, and solution-focused. They don’t just talk about getting things done; they make it happen. In relationships, this drive often leads them to step in and take over when others hesitate. But that same strength can become a weakness if it turns into controlling behavior rather than collaborative leadership. The Red temperament often feels the need to fix things. This framework helps them see the strength behind that impulse and offers tools to balance their drive with empathy. Red Temperament and Money: It's All About the Plan Reds tend to view money as a means to accomplish their goals. They prefer clarity, efficiency, and structure. But they may clash with other temperaments—for instance, a Yellow, who values fun, spontaneity, and experiences. Rather than labeling other spending styles as wrong, having this awareness can enable more honest conversations, especially in relational tensions within areas like finances. Strength with Compassion: Communication Tips for Reds Reds bring immense value to financial decision-making. Their clarity of vision and drive for results help families and teams move forward. Reds are bullet-point, bottom-line thinkers, but that doesn’t mean they’ve ignored the details. They’re often 10 steps ahead. To foster healthier communication, Kathleen encourages Reds to: These simple shifts can transform conflict into connection. The Emotional Needs of a Red Reds have core emotional needs that must be honored, especially in financial conversations: Loyalty—Sense of Control—Appreciation—Credit for Work—When these needs go unmet, Reds can respond with frustration or harshness. However, when those needs are met, they become dynamic and inspiring leaders. What to Remember if You or Someone You Love is a Red Remember that your wiring is a gift. But don’t rush ahead. Bring others with you. It’s not about controlling; it’s about being prepared and feeling safe. And for those in a relationship with a Red? Remember, they’re not trying to be harsh. They just want to know the plan. Want More? Reds are uniquely wired to be visionaries. When they lead with both confidence and compassion, transformation happens in conversations, relationships, and financial decisions. As we continue this series on temperaments and money, we’ll explore how each personality type contributes to God-honoring stewardship. When every voice is heard, and every strength is valued, we grow not just in wisdom but in unity. Read Kathleen’s full article on how the four temperaments shape our financial decisions in the latest edition of Faithful Steward. Receive your copy each quarter by becoming a monthly partner at $35 a month or $400 a year at FaithFi.com/give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become...

“Everyone also to whom God has given wealth and possessions and the power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.” - Ecclesiastes 5:19 What if true joy doesn’t come from gaining more, but from gratefully receiving what God has already provided? Today, John Cortines joins us to explore what he calls the Cycle of Grateful Living—and how it transforms our approach to money and contentment. John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart. The Heart of Ecclesiastes: Joy as a Gift Ecclesiastes 5:18–20 forms the foundation of our new Wisdom Over Wealth study: “It is good and fitting to eat and drink and find enjoyment in all the toil... this is God’s gift to man... God keeps him occupied with joy in his heart.” - Ecclesiastes 5:18–20 These verses, nestled within the longest section on money in the book, offer a radical invitation: rather than striving for more, we’re called to enjoy what we’ve already received. Even the ability to enjoy life’s blessings is a divine gift. Introducing the Cycle of Grateful Living: E.A.T. To help us live out this vision, here’s a simple acronym from Ecclesiastes 5:19: E.A.T.—Enjoy, Accept, Toil. Enjoy God’s Provision Accept Life’s Brevity Toil with Joy What Gets in the Way? Gratitude can often feel elusive in the routines of everyday life. Often, we slip into discontent when we: The world’s promises—especially those of financial independence or early retirement (FIRE)—can become mirages. We’ve probably all been there, dreaming that if we work hard and save enough, we will someday be free. But that vision of life can be so hollow because the human condition is to be oriented to purpose, to work. Even if you're retired, it's not so you can sit on a beach for 20 years. We were made to participate in God’s creative, redemptive work. That’s why embracing our toil with joy brings far more satisfaction than escaping it. Wealth Without Joy: A Modern Paradox While many of us live more comfortably than royalty of past centuries—with cars, clean water, air conditioning, and vacations—anxiety and discontent remain widespread. Billionaires are often no happier than the rest of us. Without a grateful heart, even abundance can feel empty. The Cycle of Grateful Living isn’t just about how much we have—it’s about how we relate to what we have. It teaches us to stop chasing wealth and start engaging with it through the lens of joy, acceptance, and purpose. From Ecclesiastes to Jesus: A Unified Message Jesus echoes the wisdom of Ecclesiastes in Luke 12. He reminds us of the birds and flowers—simple creatures that don’t worry, yet are lovingly provided for by God. “Consider the lilies, how they grow... If God so clothes the grass... how much more will he clothe you, O you of little faith!” - Luke 12:27–28 James 1:10–11 also makes a similar connection where riches are likened to wildflowers—beautiful for a moment, but quickly fading. The message is clear: our time is brief, but God is faithful. So, how should we respond? By living present to God’s provision, content in our limitations, and faithful in our work. Ecclesiastes 5:20 offers a powerful conclusion: “He will not much remember the days of his life, because God keeps him occupied with joy in his heart.” What does this look like practically? It’s about presence. A life that’s not dominated by worry or comparison, but one that’s centered on Jesus. It’s a heart too full of gratitude to be caught up in regret. Invite Jesus Christ into this moment. Ask for help to enjoy what He’s provided, to accept this season, and to do today’s work with joy. Every generation has had its turn. Ours is...

“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” - Luke 16:11 What if managing money is about more than just numbers and budgets—what if it’s a window into something eternal? Afton Phillips joins us today as we explore the mission behind the message you hear every day on this program, and how you can be a part of it. Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind the Mission So why focus so much on finances? Because how we handle money reveals what we treasure most. At FaithFi, we want to help people experience freedom, peace, and generosity—not just from better budgeting, but from surrendering their hearts to God. It’s a message that resonates with people in all seasons of life. Whether you feel boxed in by a budget or anxious about a financial decision, each of those moments is an invitation to reflect on your heart and trust in Christ. We are already living in abundance with the love of Christ. The Common Struggles We All Face Here are the three biggest challenges that Christians often face when it comes to faithful money management: Trust vs. Security–Comfort vs. Generosity–Identity vs. Worth–That’s why the resources we offer—from our studies to our podcast—aren’t just about financial literacy. They’re about spiritual formation. The concepts we talk about are an intentional reset. They help us move away from the emptiness of accumulation and toward peace that’s rooted in Christ. Why Ecclesiastes Still Speaks Today FaithFi’s newest Bible study, Wisdom Over Wealth, takes readers through the book of Ecclesiastes. This book speaks directly to our modern struggles with meaning, anxiety, and financial pressure. There may not be another book in the Bible that talks about death more, so it really forces you to ask: What really matters? When you realize how short life is, you start to live more intentionally, and that includes how you manage your finances. Rather than treating money as ultimate, Ecclesiastes helps us see it as a gift. Something to be enjoyed, yes—but also stewarded wisely under God’s authority. FaithFi’s Tools for the Journey If you’re new to FaithFi, here’s a quick look at the resources we offer to help believers apply biblical wisdom to their financial lives every day: Radio + Podcast:FaithFi App:High-Quality Articles and Content:Bible Studies + Devotionals:Faithful Steward Magazine:How You Can Support the Mission As we approach the end of our fiscal year (June 30), FaithFi is inviting listeners to join our mission by becoming a FaithFi Partner. Here’s what your partnership makes possible: radio programA monthly gift of $35 or an annual gift of $400 qualifies you for our FaithFi Partner Program. That means you'll receive: studies or devotionalsFaithful StewardFaithFi appWe know this message has the power to change lives because we’ve seen it. When Christians align their hearts with God’s design for money, they can have a global impact. We’re incredibly grateful for those who make this ministry possible. If you’d like to become one of the 50 new partners we’re praying for this month, visit FaithFi.com/give today. Let’s help more people see God as their ultimate treasure. 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.

“Then I saw that all toil and all skill in work come from a man’s envy of his neighbor. This also is vanity and a striving after wind.” — Ecclesiastes 4:4 Ecclesiastes shows us how even good work can go wrong when driven by envy. What starts as diligence can quickly become a pursuit of status. Today, we’ll look at how chasing approval leaves us empty—and how God invites us into something much greater. The Idol of Status The Bible Project says Ecclesiastes “targets all the ways we try to build meaning and purpose in life apart from God.” It gives voice to the Preacher, who carefully exposes the emptiness of paths like pleasure, wealth, and status. In recent weeks, we’ve looked at the idols of pleasure and accumulation. Today, we turn to the idol of status. This one can be harder to spot. The line between excellence and envy is thin. Ecclesiastes 4:4 says, “Then I saw that all toil and all skill in work come from a man’s envy of his neighbor.” That’s a striking thought. Our motivation may not be love of the work or calling—it’s often the quiet urge to compete. To keep up. To be seen. That’s what status does. It whispers, You’re not enough—unless others notice you. And without realizing it, our careers, spending, and even our generosity, can become ways of proving our worth. “Keeping up with the Joneses” isn’t just a saying—it’s a way of life for many. We compare houses, vacations, schools, and the pressure to match others can lead to debt, burnout, and dissatisfaction with what God has already provided. And in our digital age, the pressure’s amplified. Social media showcases only the highlight reel, not the debt, exhaustion, or stress that often accompany it. But we still scroll and wonder, “Why not me?” A Better Way Forward Ecclesiastes answers that longing with honesty. In verse 8, the Preacher describes someone who works tirelessly, builds wealth, but has no one to share it with: “There is no end to all his toil, and his eyes are never satisfied with riches…” It’s a picture of success without joy. Activity without peace. A full schedule, but an empty soul. However, he then offers a better alternative. In verse 6, we read: “Better is a handful of quietness than two hands full of toil and a striving after wind.” In other words, it’s better to have less with peace than more with anxiety. That’s not laziness—it’s wisdom. A life lived with margin, grounded in God’s provision. Work as Worship, Not Performance This is the invitation Ecclesiastes extends: not to give up on excellence, but to anchor it in the right place. When our work flows from a love for God and a desire to serve others, it becomes a blessing, not a burden. It becomes worship. We don’t need applause—we need peace. And in Christ, we already have it. His approval is not based on performance. It’s based on grace. That frees us from striving to be seen and lets us rest in being known. Maybe that’s where you are—tired, overextended, wondering what you’re chasing. Ecclesiastes invites you to step off the treadmill of comparison. You don’t have to strive for identity. You already have it in Jesus. We often see examples of this. A professional sacrifices evenings and weekends to climb the corporate ladder, only to feel lonely at the top. A family maxes out their budget to project an image, while tension quietly builds at home. These aren’t just stories—they’re warnings. And they echo Ecclesiastes’ caution about what we’re trading in our pursuit of more. Sometimes this isn’t just about envy. It’s about fear—fear of being unseen, of being left behind. So we push harder, hoping success will quiet that fear. But only God can give the peace we’re looking for. Redefining Success Contentment doesn’t mean quitting. It means redefining success. It means anchoring your worth in something that lasts. When you stop striving in vain, your ambition gets reoriented. Your work becomes more joyful. Your giving becomes more meaningful. So ask yourself today: Who am I...

A crypto enthusiast once wrote on Reddit, “Bitcoin is like winning the lottery in slow motion.” That might be a stretch, but one thing’s clear: Bitcoin and other cryptocurrencies aren’t going anywhere. Today, Mark Biller joins us to unpack how crypto is moving into the mainstream and what that means for investors trying to make wise decisions. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Two Big Takeaways for Crypto Investors Here are two key insights to help investors make sense of today’s crypto market: Bitcoin Stands Apart – Bitcoin Has Reached Critical Mass –Bitcoin was the original cryptocurrency, launched in 2008, and today it represents about 60% of the entire crypto market. It’s gained institutional interest and widespread regulatory acceptance. By contrast, the remaining 40% of the crypto universe is fragmented, filled with thousands of projects, many of which will not survive. Think of most other cryptos not as currencies but as startup tech ventures. That helps frame their high risk and their potential for failure. Bitcoin, meanwhile, has arrived. The rest? They’re still trying to prove themselves. Bitcoin as an Investment: What’s Changed? Many early Bitcoin advocates hoped it would serve as a usable currency outside of traditional financial systems. But that vision has mostly faded. Today, most investors treat Bitcoin like digital gold—a store of value designed to hedge against inflation and the devaluation of fiat currencies. It’s volatile, yes. But its built-in scarcity (only 21 million bitcoins will ever exist) appeals to those who fear government overreach or reckless monetary policy. Bitcoin’s not just for tech enthusiasts anymore—it’s becoming a strategic asset for serious investors. Generational preferences also shape Bitcoin’s rise. Younger investors, raised in a digital world of apps and virtual marketplaces, are far more comfortable with digital assets. What gold has long been to older generations, Bitcoin is becoming to younger ones: a hedge against inflation and a symbol of financial independence. In fact, Bitcoin’s correlation with gold has grown significantly in recent years, signaling that institutions are viewing it in similar terms. Institutions and Even Nations Are Paying Attention It’s not just individuals diving into Bitcoin. Global events—especially the 2022 freezing of Russian reserve assets—have prompted many nations to reassess their reliance on U.S. Treasury bonds. The result? A surge in gold buying by central banks, and increasing openness to alternatives like Bitcoin among private investors. While governments aren’t yet buying Bitcoin, there’s reasonable evidence to suggest that gold investors are starting to “skate to where the puck is going,” diversifying small portions of their portfolios into Bitcoin as a forward-looking strategy. With that being said, should we be concerned about the global shift away from U.S. treasuries? Not immediately. While a shift away from U.S. Treasuries could eventually raise interest rates and borrowing costs, the dollar still holds dominant status in global transactions. But it's a trend worth watching. It’s a slow-motion problem—more of a simmer than a flashpoint. So…Should You Invest in Bitcoin? It depends. Investors with a strong risk tolerance and a positive outlook on gold might allocate a small portion (less than 5%) of their portfolio to Bitcoin or Bitcoin ETF's. The key is position sizing—keeping it small due to Bitcoin’s extreme volatility. However, we want to be crystal clear: this only applies to Bitcoin, not to the rest of the crypto space, which still carries a high risk of going to zero. If you're curious to explore more, check out the full article, Bitcoin (& Crypto) Go Mainstream: What You Need To Know, at SoundMindInvesting.org. The SMI team also offers a Bitcoin-inclusive ETF for those looking to dip a toe into this asset class as part of a...

“For everything there is a season, and a time for every matter under heaven…” – Ecclesiastes 3:1 God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it’s not only okay to adjust your financial finish line—it’s often the wise and faithful thing to do. Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and a Wealth Advisor at Wealth Squared. He and his brother, Kealan, founded the Finish Line Pledge and also co-host the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance. What Is a Financial Finish Line? A financial finish line is simply an answer to the question, How much is enough? It helps us define what we need for our lifestyle so that everything beyond that can be redirected toward building God’s Kingdom. There are two kinds of finish lines: Lifestyle (or Spending) Finish Line –Accumulation (or Net Worth) Finish Line –These lines aren’t rigid—they’re tools to help us hold God’s money with open hands, growing in both contentment and generosity. However, there’s often a lot of pressure to get it exactly right, but what matters more is having a starting point. You’ll grow and refine it as your life and faith journey progress. We recommend revisiting your finish line at least annually—or sooner if significant life changes occur, such as a new dependent, a move to a more expensive area, or a shift in health. The Four Buckets of Money To help clients visualize their financial decisions, Cody teaches a simple framework that divides money into four “buckets”: Personal Spending –Future Planning –Taxes –Kingdom Giving –A lifestyle finish line determines what belongs in the first two buckets, freeing the rest for eternal purposes. The Net Worth Finish Line: How Much Is Enough to Save? A net worth finish line is the amount we believe is appropriate to accumulate over a lifetime. The parable deeply informs us of the rich fool in Luke 12—the man who tore down barns to build bigger ones but failed to consider the brevity of life and the weight of eternal priorities. To set a net worth finish line, Cody walks clients through three core considerations: Lifestyle Needs –Wealth Transfer Goals –Conservative Margin –What Happens When You Cross the Finish Line? If you find yourself exceeding your finish line—accumulating more than necessary—we encourage asking yourself one essential question: “Why am I holding on to these resources in the first place?” God may have given you more not for personal security, but to fund the “good works He prepared in advance for you” (Ephesians 2:10). In that light, generosity becomes more than a response—it becomes a calling. Rather than letting a higher income raise our standard of living, it becomes an opportunity to increase our standard of giving. Not sure where to start? Try setting a finish line for 90 days. Just set a lifestyle finish line for three months and see what you learn. That short-term experiment opens the door to deeper financial freedom, greater contentment, and a stronger sense of purpose. A Finish Line That Leads to Worship We also should remember that at the end of the day, it’s not just about money—it’s about worship. 2 Corinthians 9:8 reminds us: “And 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” To set a financial finish line, we must first recognize that everything belongs to God. It’s not about figuring out how much of our money to give to Him—it’s about learning to steward His money faithfully. Your finish line isn’t a limit—it’s an invitation to freedom, joy, and a deeper life of generosity. Want to Learn More? Ready to take the next step? Visit FinishLinePledge.com to access helpful tools, real-life stories, and free resources that will guide you...

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash. All jokes aside, failing to file your taxes for several years is no small matter—but it’s not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track. Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS). Start With the Present, Not the Past The further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you’re attempting to come into compliance, not ignoring your obligations. Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year’s return also goes unfiled. Of course, COVID didn’t help as many people have been struggling since then to get back on track. Do You Always Have to File? A common misunderstanding is that you must always file. If you’re not going to owe anything, you don’t have to file. That includes many senior citizens who live solely on Social Security. However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited. Importantly, there’s a difference between not filing and not paying. Sometimes you don’t know what you owe—or if you owe—until you file. Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don’t, you might receive a letter saying you owe thousands in capital gains tax—money you could’ve avoided paying. How to Begin the Process If you're unsure how many years you've missed, a good first step is to request a Wage and Income Transcript from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “IRS wage and income transcript.” Even with transcripts in hand, deciphering them can be complicated. That’s why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a Certified Kingdom Advisor (CKA) in your area who specializes in tax planning and preparation by going to FaithFi.com and clicking “Find a Professional”. Also, it’s helpful to know that the IRS’s own handbook, the Internal Revenue Manual, usually requires only the last six years of returns to be filed. That’s a helpful limit for those unsure where to begin. The IRS Will Work With You Don’t let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability. Filing late taxes doesn’t have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Kevin Cross (CPA)Internal Revenue Service (IRS.gov)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...

“And I heard the voice of the Lord saying, ‘Whom shall I send, and who will go for us?’ Then I said, ‘Here I am! Send me.’” - Isaiah 6:8 The news from the Middle East can be overwhelming, but our hope in Christ calls us to take action. Today, May-Lee Melki from Heart for Lebanon joins us to share how you can help protect young women and girls facing crisis. Then it’s on to your calls at 800-525-7000. ​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. Why Lebanon’s Girls Need Us Now Lebanon today is not the Lebanon of a generation ago. Compounded crises have pushed countless families into desperation, and girls ages 13–21 often bear the heaviest burden. Without a father, brother, or male guardian to protect them, they face decisions made for them—decisions that can lock them into abuse for life. The urgency has never been higher. These girls can change their country, the region, and the Church—but only if someone intervenes before tragedy strikes. A Concrete Goal: 500 Girls by June 30 Heart for Lebanon has already welcomed 250 at-risk girls into its programs this year. With your help, we can reach the remaining 250 before June 30. The math is simple—and remarkably attainable: Every investment provides: How Your Gift Transforms a Life Recently, Meili met Iman, a 12-year-old refugee forced to work all day for $20 a month—money her father uses for cigarettes. After a chapel session, with tears in her eyes, Iman asked, "Who is Jesus?" That day, she prayed to receive Christ, saying: “My circumstances may not change immediately, but Jesus will change my heart and be with me.” Your support keeps Iman in school, surrounds her with Christian counselors, and plugs her into a loving church, offering hope not only to her but to her whole family. Two Ways You Can Help Today Pray: Heart for Lebanon Give Generously: FaithFi.com/LebanonJesus taught, “Where your treasure is, there your heart will be also.” (Matthew 6:21) When you invest in Heart for Lebanon, you’re putting your heart into something that echoes into eternity—protecting girls from exploitation, introducing them to the Savior, and empowering them to transform their communities for Christ. Let’s finish strong. Join us in reaching the final 250 young women before June 30. Together, we can turn desperation into dignity and despair into hope—one precious girl at a time. Give now at FaithFi.com/Lebanon or text “FAITH” to 98656. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Heart For LebanonStashAcornsBettermentCharles SchwabFidelityWisdom 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 wicked borrow but do not pay back, but the righteous is generous and gives.” – Psalm 37:21 When someone owes you money and doesn’t repay it, emotions can run high—frustration, hurt, and even resentment. Whether it’s a friend, family member, or fellow believer, unpaid debt can strain even the strongest relationships. So, how should we respond when repayment never comes? Let’s explore that together. Start with Compassion It’s natural to assume the worst when someone avoids repaying a debt. But Scripture calls us to pause and lead with understanding. “Whoever is slow to anger has great understanding, but he who has a hasty temper exalts folly.” – Proverbs 14:29 The person who owes you might be experiencing genuine hardship, such as job loss, medical emergencies, or family struggles. Begin by asking how they’re doing. Show empathy. Offer flexibility, if possible, such as a revised payment plan. This can foster honest dialogue and reflect Christ’s love in action. Before confronting the situation, pray. Ask God for wisdom, peace, and soft hearts on both sides. When you enter the conversation with prayerful humility, your response becomes a witness, not just a reaction. Follow Biblical Steps for Conflict If the debtor is a fellow believer and continues to avoid the issue, Jesus outlines a redemptive process in Matthew 18: The goal isn’t shame—it’s restoration. Seek truth and preserve the relationship, creating a path forward instead of building a wall. Should Christians Ever Take Legal Action? In 1 Corinthians 6, Paul warns believers not to sue one another over civil matters, saying, “Why not rather be wronged?” Unity and love matter more than financial recovery. However, this doesn’t mean legal action is never appropriate. If fraud, abuse, or serious legal injustice is involved, Romans 13 affirms that civil authorities exist to uphold justice. Seeking legal recourse in these situations may be necessary, especially if livelihoods are at stake. Just be sure your motivation is fairness, not revenge. The Bigger Picture Regardless of the outcome, Jesus commands us to forgive: “Whenever you stand praying, forgive, if you have anything against anyone…” – Mark 11:25 Forgiveness doesn’t ignore the debt—it chooses not to hold bitterness. Sometimes it leads to repentance; other times, it simply frees your heart. Unpaid debt is frustrating—but temporary. Relationships, witness, and Christlike character endure. Ask not only, “How can I get this money back?” but “How can I reflect Jesus in this moment?” Generosity and forgiveness point to a Savior who forgave us when we had nothing to repay. Want to Go Deeper? This topic is explored further in our Faithful Steward magazine. You can receive each quarterly issue by becoming a FaithFi Partner—just $35/month or $400/year at FaithFi.com/Give. Your support helps equip more believers for faithful stewardship. 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 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.

“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.” — Ecclesiastes 2:23 That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn’t bring peace—often, it brings more pressure. But Scripture offers a better way. What’s Driving All That Effort? It’s easy to admire someone who plans wisely, saves consistently, and builds steadily over time. Our culture praises that kind of discipline as responsible and virtuous—and often, it is. But Ecclesiastes challenges us to ask: What’s driving all that effort? In Ecclesiastes 2:18, the Preacher writes, “I hated all my toil... seeing that I must leave it to the man who will come after me.” He isn’t condemning hard work—he’s grieving that all he’s built will one day be handed off, possibly to someone who won’t value or steward it well. That’s where sorrow begins—not in failure, but in success without peace. “All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest” (Ecclesiastes 2:23). The more we accumulate, the more we fear losing it. What promised security only multiplies anxiety. What a striking image—someone lying awake at night, not from failure, but from success. The more he possesses, the more he worries. This is the irony of accumulation: it convinces us that security is just one more achievement away, while quietly making us more anxious the more we gain. Jesus’ Warning About Bigger Barns Jesus echoes this same warning in Luke 12. He tells the parable of a rich man who reaped such a bountiful harvest that he decided to build bigger barns to store it all. His conclusion? “Take life easy—eat, drink, and be merry.” To the world, that sounds like winning. But Jesus calls him a fool. Why? Because that very night, his life would be demanded of him. Then comes the haunting question: “The things you have prepared, whose will they be?” What’s even more interesting is the context of that parable. Jesus tells it in response to a man asking Him to settle an inheritance dispute. This wasn’t someone who earned the wealth—he simply wanted his share, and maybe more. Jesus’ warning is clear: a greedy heart isn’t the only danger. An entitled heart is just as spiritually destructive. And that’s exactly what the Preacher feared in Ecclesiastes—wealth falling into the hands of someone who didn’t labor for it and may not know how to handle it wisely. We see this all the time in real life. Many financial advisors and estate planners will tell you that inherited wealth, especially when passed down without spiritual or emotional maturity, can do more harm than good. It can fracture families, distort priorities, and erode purpose. The problem isn’t money itself, it’s the absence of wisdom alongside it. A Better Definition of Success That’s why this lesson matters. You can save well, build wealth, and still feel anxious and unsatisfied—not because you failed, but because you expected your efforts to give you what only God can: peace, joy, and purpose. But here’s the good news—Ecclesiastes doesn’t leave us in despair. In verse 26, we read, “To the one who pleases Him, God has given wisdom and knowledge and joy.” The solution isn’t to stop working or saving. The solution is to stop worshiping our work. Stop defining success by the size of your bank account and start defining it by your faithfulness to the One who owns it all. When we live as stewards instead of owners, the pressure lifts. We begin to see wealth not as a prize to secure our future, but as a tool to serve God’s Kingdom. Accumulation loses its grip, and generosity takes root. That’s when real joy begins. So, ask yourself today: Am I building bigger barns, or am I faithfully stewarding what God has already entrusted to me? Am I chasing peace through my possessions, or receiving it from the Prince of Peace...

What if being great with money doesn’t guarantee you’re doing great with your spouse? If you’re the “money person” in your marriage, you may think you’re doing everything right. But what if your spouse feels shut out of the process? It happens more than you think. Shaunti Feldhahn joins us today to talk about how you can avoid that disconnect or fix it if need be. Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several books with him, revealing impactful truths about relationships at home and in the workplace. Honor What Your Spouse Values Money-minded individuals often unknowingly send the message that their spouse’s financial opinions don’t matter. Even with good intentions and solid planning, failing to honor what your spouse values can damage not just your finances but your marriage. Spouses who handle the finances might assume they’re right and the other is wrong. That unspoken belief, even if subtle, can lead one partner to feel dismissed—and that’s a dangerous place to be. About two-thirds of spouses believe they know better than their partner how to manage finances. This is similar to how most people think they’re above-average drivers—statistically improbable, but psychologically common. While it’s okay to have differing financial opinions, it becomes a problem when one partner consistently feels unheard or undervalued. Many “money people” may not even realize they’re doing this, but over time, it fosters resentment and undermines trust. Different Values, Different Priorities More than 80% of couples have differing financial values, which are often rooted in their childhood experiences, temperaments, or faith priorities. For instance, one spouse may believe saving for college is urgent and non-negotiable. The other may feel that making memories with their children while they are young, such as taking a trip to Disney, is equally important. Neither is wrong. They're just different. The danger lies in assuming that one value system is superior. If one spouse feels their values are constantly being overlooked, resentment can quietly grow until it spills over into other areas of the relationship. The real danger isn’t only in the budget—it’s in the relationship. If one person starts to feel like their opinions don’t matter, it doesn’t just affect money decisions. It becomes a marriage issue. And this dynamic can even show up in financial advisor meetings, where professionals may unintentionally direct conversations toward the more financially-minded spouse. This reinforces the problem and risks charting a course toward relational misalignment. Three Steps Toward Greater Financial Unity In her article for Faithful Steward, Shaunti offers three practical steps to bring both voices to the table: Ask Each Other a Simple Question “On a scale of 1 to 5, how heard and valued do you feel in our financial decisions?” Treat Less-than-Perfect Answers Seriously Explore Your Financial Values Together Thriving in Love and MoneyReal-Life Insight: The $1.50 Lesson Shaunti also shares a personal example: she values time and convenience, so she’s happy to pay an extra $1.50 per movie ticket to reserve seats in advance. Jeff, her husband, sees that as unnecessary—he’d rather arrive early to save money. Neither is “right.” However, understanding each other’s values helped them approach decisions with greater ease and grace, rather than conflict. Remember, resentment is like a slow leak—it can go unnoticed until the tire blows out. But the antidote is simply listening with love and curiosity. You can read her full article in Faithful Steward, our quarterly magazine designed to help you connect your faith with your finances. To receive four issues a...

“For you know how, like a father with his children, we exhorted each one of you and encouraged you and charged you to walk in a manner worthy of God, who calls you into his own kingdom and glory.” - 1 Thessalonians 2:11-12 With Father’s Day approaching, we’re asking a deeper question: What kind of legacy are we leaving as men, as dads, and as stewards of what God has entrusted to us? Jonathan Lewis from Fathers for Fathers joins us to talk about fatherhood, faith, and the financial discipleship that shapes generations. Jonathan Lewis is a Certified Exit Planning Advisor (CEPA®), a Certified Kingdom Advisor (CKA®), and President of Eastport Financial Group Inc. He is also the founder of Fathers for Fathers, a faith-based organization dedicated to restoring hope, healing, and purpose in the lives of men, especially fathers. A Story Redeemed When Jonathan was 15, he experienced a trauma no child should face—dragging his father’s lifeless body onto a beach in Nova Scotia after a drowning accident. That moment became a fracture point in his life, leading to years of instability, homelessness, guilt, and emotional isolation. But out of those ashes came clarity: a calling to reach other men who feel lost, alone, and ashamed. His ministry, Fathers for Fathers, is a direct response to the epidemic of fatherlessness and emotional isolation plaguing men today. The Epidemic Few Talk About 84% of men say they don’t have a single person they can talk to. Guys have been trained to withdraw, but we need each other. If you’re listening and feel like you’ve failed as a father, or you don’t even have the strength to keep going, you’re not alone. You can do this, but not by yourself. The solution is community and accountability. And for men who do have a support system, pursue others. Don’t take the first 12 ‘no’s as a brush-off. Broken men want to be pursued. They’re just afraid. What Does Faithful Fatherhood Look Like? So, what does it mean to be a successful father? First, if you’re still breathing, your story isn’t over. You haven’t missed your chance. Using a football analogy from Fathers for Fathers’ upcoming study, life can be described as a game we’re all born into—on the wrong team. But we don’t have to stay there. Through Jesus Christ, we’re invited to join the winning team. But it requires repentance, humility, and a willingness to fight. And it often starts with small steps. Practical Steps Toward Restoration For divorced dads and those estranged from their children, you may think there’s no way back. But there is. If you’re not in your kids’ lives, start. If you haven’t supported their mom, own it. If you’ve been battling secret sin—confess it. These are hard words, but they’re spoken with deep compassion. God will honor you when you honor Him. This ministry isn’t about beating men up. It’s about helping them get back in the game. Stewardship Starts at Home Stewardship isn’t just about money. If you’re generous with your wealth but not your love or your time, you’ve missed the point. Stewardship begins with the way a man loves and leads his family, especially his wife. When reading Ephesians 5, men might say, ‘I’d take a bullet for my wife.’ But Christ calls us to something harder: dying to ourselves daily. Stewardship, then, is about priorities: honoring God with your money, your time, your attention, and your affection. A Prayer for Dads If you’re a father or a man who feels discouraged, who is ready for more, and who is just hanging on. Pray this out loud: “Lord, I pray that Your Spirit would touch the heart of the man listening who thinks he’s too far gone. Remind him that nothing can separate us from Your love, not even failure. Let him know Jesus already put on the jersey for him. I pray for courage, for repentance, and for grace. Thank you for the scandalous grace that says You would’ve sent Jesus for just one man. You sent Him for all of us.” If you’re a father who feels broken, or if you know one,...

Proverbs 16:16 says, “How much better to get wisdom than gold! To get understanding is to be chosen rather than silver.” In a world that chases wealth as the ultimate goal, Scripture calls us to something better—wisdom. Because without godly wisdom, even abundance can lead us astray. Today, Jim Newheiser joins us to explore why wisdom, not money, is the true measure of success in God’s economy. Dr. James (Jim) Newheiser, Jr., is the Director of the Christian Counseling Program and Professor of Christian Counseling and Pastoral Theology at RTS Charlotte. He is also the author of several books on the subject of counseling, as well as Money: Seeking God’s Wisdom (31-Day Devotionals for Life). Investing in What Satisfies Isaiah 55:2 details an account where the Lord asks, “Why do you spend money for what is not bread, and your wages for what does not satisfy?” It’s a poignant reminder that many of us chase things that leave us empty. How we spend our time and money reflects what we value. Yet so often, those values are shaped by a world that overpromises and underdelivers. Instead of finding fulfillment in wealth, ultimate satisfaction comes from our relationship with God and the good gifts He provides. Time spent in Scripture, prayer, and worship is far more nourishing than any financial gain. Even the principle of rest in Scripture is God’s reminder that we don’t need to fill every waking moment with striving. Wisdom or Wealth? A Tale of Two Women The book of Proverbs is interesting because in this compilation in Scripture, wisdom is personified as a noble woman worth pursuing, while folly appears as a seductive but destructive adulteress. Proverbs sets up a contrast because Lady Wisdom is like the soul’s true bride. She brings joy and delight. But Madame Folly, who represents false promises like the pursuit of money for its own sake, is spiritual adultery, and she leads to misery. The point is clear: what we pursue will shape us. Chase wisdom, and you’ll find joy and lasting purpose. Chase wealth, and you may find yourself grasping at the wind. Applying Wisdom in Daily Life How do we actually live out this pursuit of wisdom over wealth? For someone who’s not used to reading Scripture regularly, it can start with just two pages a day or with a chapter of Proverbs a day. Ask God to speak to you through it. God has promised something far better than material wealth—His presence, His wisdom, and His joy. There’s such a huge connection between our hearts and our money, and God is ultimately after our hearts. If you’re ready to go deeper in your walk with God by rethinking your financial life through the lens of biblical wisdom, Wisdom Over Wealth is a great place to start. This new 12-lesson study from FaithFi, based on Ecclesiastes, unpacks how true joy isn’t found in accumulation but in reverence, surrender, and trust. You can receive a copy of Wisdom Over Wealth when you become a FaithFi Partner. Your monthly gift of $35, or annual gift of $400, helps us continue to share biblical financial wisdom across the globe. Visit FaithFi.com/give to partner with us today. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Money: Seeking God's Wisdom (31-Day Devotionals for Life) by Dr. Jim NewheiserSelectQuoteNational Christian Foundation (NCF)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.

Missionary Amy Carmichael once expressed a powerful truth: “You can give without loving, but you cannot love without giving.” That quote reminds us that generosity isn’t just something we do—it reflects who we are in Christ. So, how do we grow into more joyful, intentional givers? Today, we’ll talk with Ron Blue about what he calls “living giving”— and how that mindset can bring real financial freedom. Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment. Giving Is a Spiritual Decision Giving reflects our trust in God. When we give—and give first—we’re saying, “Lord, You gave this to me, and I’m returning to You what’s already Yours. I trust You to meet my needs.” It’s a profound shift in perspective. Instead of centering our financial lives on ourselves, giving reorients our hearts toward God’s purposes. It stretches our faith and loosens money’s grip on our hearts. It doesn’t shrink your life—it expands it. Ron Blue classically says, “Do your giving while you’re living so you’re knowing where it’s going.” That’s more than a catchy phrase. It’s a philosophy rooted in joy. Too many people wait until death to make significant gifts, missing the delight of seeing God work through their generosity in real time. There’s something deeply joyful about watching God use what you’ve given. It’s not just about writing a will—it’s about living with open hands. True Financial Freedom Starts With Open Hands Think of your money like a closed fist or an open hand. When your fist is closed, you’re trying to control or keep what you think is yours. But when you open your hand, you’re saying to God, “This is Yours. Use it as You will.” That’s what true financial freedom looks like—not merely having enough, but being free from money’s control altogether. God doesn’t need our money, He wants our hearts. And He knows that money is one of the greatest competitors for our love. As you reflect on your own financial life, maybe it’s time to stop asking, “How much do I have to give?” And start asking, “How can I use what I’ve been given to glorify God—right now?” You can find Ron’s book Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment wherever books are sold. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron BlueChristian Credit CounselorsWisdom 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.

“I said in my heart, ‘Come now, I will test you with pleasure; enjoy yourself.’ But behold, this also was vanity.” — Ecclesiastes 2:1 What happens when someone has the power to indulge in every pleasure the world can offer? In Ecclesiastes, we find one of Scripture’s boldest experiments: a search for lasting joy through earthly delights. The Preacher—often thought to be Solomon—pursues laughter, wine, work, wealth, sex, and success, all in an effort to answer one question: Can pleasure truly satisfy the human soul? A Culture Chasing the Wind Today, we live in a world that echoes the Preacher’s experiment. “Treat yourself.” “Follow your heart.” “Do what makes you happy.” These aren’t just slogans—they’re mantras for modern living. From the vacations we plan to the gadgets we unbox, we’re told that happiness is just one more swipe, scroll, or splurge away. But Ecclesiastes challenges that narrative. It forces us to wrestle with a deeper question: What if pleasure doesn’t lead where we think it does? The Preacher’s pursuit wasn’t careless. It was a deliberate, calculated test. He writes, “Whatever my eyes desired I did not keep from them” (Ecclesiastes 2:10). He built houses, planted vineyards, created lush gardens, hired singers, amassed wealth, surrounded himself with comfort—even concubines. This wasn’t indulgence for indulgence’s sake. It was a methodical pursuit of happiness. Today, we might say: “If it looked fun, I bought it. If it felt good, I did it.” The experiment was thorough, and the results were heartbreaking. “Behold, all was vanity and a striving after wind.” — Ecclesiastes 1:14 The Thrill Fades To picture this, imagine a bag of old receipts. Each one once captured a moment of excitement—a new purchase, a fancy dinner, a spontaneous trip. But now? They’re just scraps. The joy is gone. That’s exactly what the Preacher realized. Pleasure was never meant to carry the weight of our deepest needs. It promises fulfillment but delivers only fleeting escape. It’s like trying to hold smoke in your hands—real for a moment, then gone. The Preacher’s story finds a parallel in Jesus’ parable of the prodigal son. The younger son squandered his inheritance chasing worldly pleasures, only to end up broke and broken. The twist? The Preacher had everything the prodigal son dreamed of—wealth, opportunity, indulgence—and yet he ended up just as empty. Different paths. Same conclusion. A Warning That Leads to Freedom Here’s the grace in all this: We don’t have to repeat the experiment. The Preacher’s pain can be our wisdom. He’s waving us down from the road ahead, saying, “There’s nothing here. Don’t waste your life chasing shadows.” That’s a gift. It frees us to reflect: God is not against pleasure. He is the Creator of joy and the Giver of every good and perfect gift (James 1:17). But those gifts were never meant to replace Him. When we look to pleasure as the destination rather than a signpost to the Giver, we miss the point—and our hearts remain restless. So next time you reach for something to lift your spirits, ask: Is this joy, or just escape? Is this feeding my soul, or simply distracting it? A Better Way to Live Ecclesiastes doesn’t just warn—it redirects. It helps us tear down the idol of pleasure and place our hope in a Person, not a product. And that Person—our God—is the only source of joy that doesn’t fade. At FaithFi, we want to help you explore this truth more deeply. That’s why we created Wisdom Over Wealth, a Bible study on Ecclesiastes that unpacks themes like pleasure, wealth, and contentment from a biblical lens. This month, when you support FaithFi’s ministry with a gift of $35 or more, we’d love to send you a copy as our way of saying thank you. Just visit FaithFi.com/wisdom to request your copy today. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Comprehensive Loss Underwriting...

“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 This powerful verse is often quoted when we talk about generosity, and rightly so. It shows us that generosity isn’t just a financial principle—it’s rooted in the very heart of the Gospel. Today, Dr. Nathan W. Harris joins us to explore that connection more deeply. Dr. Nathan W. Harris is the Vice President of Strategic Initiatives at The University of Mobile in Mobile, Alabama. He is also the author of A Short Guide to Gospel Generosity: Giving as an Act of Grace. What Is Gospel Generosity? Gospel generosity is giving rooted in the good news of salvation through Jesus Christ. Generosity is not merely a virtue for the Christian life but a cheerful disposition that springs forth from the gospel. This kind of generosity arises from new life in Christ, is empowered by the Holy Spirit, and reflects the Father’s model of grace throughout creation. At its core, gospel generosity isn’t just about giving—it’s about proclaiming and portraying Christ’s saving work in our lives. It signifies a radical transformation of a believer’s heart and mind, leading to joyful stewardship of resources in service to God’s kingdom. Beyond the Tithe: A Higher Calling One of the most debated topics surrounding generosity is the concept of tithing. Are Christians called to tithe, or is there a greater expectation? While tithing—giving 10%—is not explicitly required for Christians, the gospel calls us to something far greater. We aren’t obligated to give; instead, Christians have an incredible gospel opportunity. We are called to live generously, humbly, selflessly, and with the kingdom of God in mind. This perspective reframes giving not as a rule to follow but as an act of grace and worship, rooted in gratitude for what Christ has done. How the Gospel Transforms Our View of Money The gospel transforms our hearts and minds and revolutionizes how we approach money and stewardship. Martin Luther once said: “There are three conversions in one’s life—the conversion of the heart, the mind, and the pocketbook.” When we encounter Christ, our hearts are filled with affection for Him, and our minds are set on heavenly things. However, many Christians struggle to surrender their finances to God fully. You can’t hold on to Christ while also holding on to your money. A heart transformed by the gospel desires to honor Christ above wealth. A mind renewed by the gospel prioritizes kingdom values over worldly ones. This transformation shapes every aspect of our financial lives, from earning and saving to spending and giving. Living as Stewards of God’s Resources When our hearts and minds are fully surrendered to Christ, our finances naturally follow. Giving becomes not just an obligation but an act of worship and a reflection of the gospel’s transforming power. To explore these ideas further, check out Dr. Nathan W. Harris’s book, A Short Guide to Gospel Generosity: Giving as an Act of Grace. This concise guide offers biblical wisdom and practical insights into living a life of joyful, gospel-rooted generosity. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)A Short Guide to Gospel Generosity: Giving as an Act of Grace by Dr. Nathan W. HarrisSavingForCollege.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...