Faith & Finance

Money can so easily capture our hearts. It promises security, comfort, and control—but often leaves us anxious and striving for more. Yet when we give, something remarkable happens. We’re declaring our dependence on God, not our bank accounts. Dr. Art Rainer—founder of the Institute for Christian Financial Health and author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose—joined us recently to explore how generosity becomes an act of trust that transforms our hearts and deepens our faith. Money Reveals the Heart Larry Burkett often said, “Every spending decision is a spiritual decision.” Dr. Rainer agrees. “Jesus said, Where your treasure is, there your heart will be also,” Art explained. “The Bible makes it clear—money management reflects heart management.” Scripture contains over 2,000 verses about money and possessions. Why? Because few things so clearly reveal what—or whom—we truly trust. For believers, the central question is this: Do we believe God’s promises about provision, and are we willing to surrender this area of life to Him? Giving as an Act of Trust Dr. Rainer describes giving as a tangible expression of faith. “God doesn’t tell us to give and then leave us hanging,” he said. “He ties promises to generosity.” Those promises fall into three beautiful truths—God will provide, multiply, and enrich. 1. God Promises to Provide In Malachi 3:10, the Lord declares: “Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do, I will open the windows of heaven for you and pour out a blessing so great you won’t have enough room to take it in. Try it! Put me to the test!” “God invites us to trust Him,” Art said. “He promises to pour out an abundance of blessings—not necessarily material wealth, but blessings that can be spiritual, relational, or emotional. Maybe it’s the contentment you’ve been chasing for years, or the joy of being part of something far greater than yourself.” 2. God Promises to Multiply In John 6, a young boy offers his five loaves and two fish to Jesus—hardly enough to feed five thousand hungry people. Yet Christ multiplies that small gift until everyone is satisfied, with twelve baskets left over. “Many of us feel like that boy,” Art said. “We look at our meager resources and wonder, What difference can this make? But God is a God of multiplication. He can take whatever you give and expand it to accomplish His purposes. That’s His promise—but it requires trust.” 3. God Promises to Enrich Who doesn’t love a good return on investment—or ROI? “God does too,” Art said. In 2 Corinthians 9:11, Paul writes, “You will be enriched in every way so that you can always be generous.” “God gives so that we can give,” Art continued. “He blesses so that we can bless others. He’s looking for conduits of generosity—people through whom His blessings can flow. When we live that way, generosity becomes not just a habit, but a way of life.” Trusting God With Your Money As Dr. Rainer summed it up: “Generosity is an act of trust. It shifts our hearts from reliance on ourselves and money to reliance on God. If you’re a Christian, you’ve already trusted Him with your soul. It’s time to trust Him with your money.” When we give generously, we’re not losing—we’re investing in eternity. We’re saying, “Lord, I believe You are my provider.” And that’s one of the clearest ways to live out genuine faith. Learn more about Dr. Art Rainer’s work at ChristianMoneySolutions.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Money in the Light of Eternity: What the Bible Says about Your Financial Purpose by Dr. Art RainerThe Institute for Christian Financial HealthChristian Money SolutionsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Christian Community Credit Union...

Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments? Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what’s ahead. According to Mark Biller, Executive Editor at Sound Mind Investing (SMI), the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular. Cyclical vs. Secular: What’s the Difference? “The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.” Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time. Learning from History: Market Examples From 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors’ purchasing power. That’s what economists call a secular bear market—a long-term period of little to no progress. Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic. The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.” The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time. Why It Matters—Especially for Bond Investors Understanding these cycles isn’t just an academic exercise. “It’s actually more helpful when it comes to bonds than stocks,” Biller explains. That’s because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that’s led to negative returns for many bond investors over the last five years.” This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well. Rethinking the Classic 60/40 Portfolio For decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today’s environment, that mix may need to evolve. “At Sound Mind Investing (SMI), we’ve reduced our bond allocation to around 30%,” Biller explains. “We haven’t abandoned bonds altogether, but we’re diversifying beyond them.” That diversification includes strategies like: Building a Portfolio That Endures Every Season Whether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that’s resilient and rooted in wisdom. Biller’s encouragement for long-term investors is simple: “We’re not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.” That perspective echoes a deeper truth for believers: our ultimate security isn’t found in market trends but in God’s unchanging character. Markets may rise and fall, but His promises endure forever. Faith, Patience, and Perspective Understanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise. As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but...

It’s one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn’t just about inheritance. It’s about passing on faith, values, and a vision for generosity. To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF)—a trusted partner helping believers give wisely and joyfully. From Obligation to Joyful Generosity Christin’s passion for generosity began early, though not in the way it’s shaped her life today. “As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn’t until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.” That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out. What’s Driving the Next Generation to Give When it comes to generosity, Millennials and Gen Z are rewriting the playbook. According to NCF’s research, millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.” Christin explains: “They believe all resources have equal value—not just money, but time, influence, and relationships. They don’t just want to write a check. They want to be part of the change.” This shift from transactional to relational giving marks a profound change from previous generations. Reimagining Traditional Tools Younger Christians aren’t abandoning tools like donor-advised funds, estate plans, or investment portfolios—they’re personalizing them. “They want to see impact,” Christin said. “They’re asking, ‘How is my giving being used?’ and ‘What difference is it making?’” They’re also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones. At NCF, this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact. What Advisors Need to Know Financial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset. “Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It’s not just about managing money—it’s about helping them uncover all the ways God’s entrusted them to give.” For advisors, that means focusing less on control and more on collaboration, connection, and calling. How Families Can Have Faith-Filled Conversations Generosity isn’t just a financial transaction—it’s a family story. Cristin encourages families to start there. “The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.” Listening to one another’s experiences helps bridge differences and creates a shared vision for stewardship across generations. How NCF Is Helping the Next Generation Live Generously At the National Christian Foundation (NCF), this generational shift is sparking new ideas and tools for families and advisors alike. New Research & Resources:Next Gen Generosity ReportExperiences & Events:Collaboration with Advisors and Churches:You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch. The Power of Agency One key insight from NCF’s research is the role of agency in healthy stewardship. “We define agency as the ability to act on the free will God gives us,”...

It’s always a pleasure to welcome back Dr. Shane Enete—Associate Professor of Finance at Biola University, founder of Biola’s Financial Planning Program, and creator of The Money Storybook Bible Podcast. His creative work helps parents disciple their children in biblical stewardship by weaving financial lessons into retold Bible stories. When asked what inspired the podcast, Dr. Enete explained that the idea grew from a common question he receives: “How can I teach my kids about money?” His realization was simple yet profound—the Bible already does this. “The Bible talks about money more than almost any other topic, and it’s filled with stories for all ages,” he said. “So I thought, what if I just told these stories to my kids in a way that helped them see themselves in the story and learn about money at the same time?” Stewardship as an Expression of Love For Dr. Enete, the goal goes far beyond teaching budgeting or saving. “Stewardship is one of the greatest opportunities we have to express our love for Jesus,” he said. “When we share, we’re loving Him and others.” He hopes parents and children alike will see money not as a source of stress or status, but as an opportunity for love, wisdom, and worship. “I want kids to understand the dangers of debt and discontentment,” he added, “but even more, I want them to know that Jesus is everything—and that money can be used to love Him.” Storytime with a Purpose Each podcast episode features Dr. Enete reading to his own children, with interactive moments that bring the stories to life. “We start with fun icebreakers, like a ‘Would you rather’ question, then read a Bible story together,” he explained. “Afterward, I ask questions to help them reflect, and we finish with a hands-on activity that reinforces the lesson.” One of Dr. Enete’s favorite family moments came from a story about Solomon. “I asked my kids which world they’d rather live in—one where they’re rich but don’t know Jesus, or one where they have Jesus but not the riches. They didn’t even hesitate—they chose Jesus. That’s when I knew these lessons were hitting home.” The Story of Lydia: Business as Ministry One memorable episode, Purple Snail Robes, retells the story of Lydia from Acts 16. In Dr. Enete’s version, Lydia initially wants to give away her wealth to follow Paul, but he helps her see that her business can be a ministry in itself. “Sometimes God wants us to serve Him right where we are,” Paul tells her. “When you share what you have and do your work with skill and kindness, you’re showing people who Jesus is.” Dr. Enete shared that Lydia’s story was inspired by the idea of Gospel Patrons—those who use their resources to fuel God’s work. “Lydia was one of the first gospel patrons,” he said. “I wanted kids to see that our work and business can glorify God. Plus,” he laughed, “the fact that purple dye came from smashed snails makes it extra fun for kids!” The Story of Nicodemus: Costly Generosity Another powerful episode, 75 Pounds of Spices, reimagines Joseph of Arimathea and Nicodemus as they prepare Jesus’ body for burial—with a young girl named Abigail watching nearby. The story illustrates generosity that is both courageous and costly, as Joseph donates his tomb and Nicodemus buys an extravagant amount of burial spices. Even little Abigail joins in, offering her treasured blue necklace to honor Jesus. “That moment shows that no act of generosity is too small,” said Dr. Enete. “It’s a picture of giving that flows from love—something children can grasp in a tangible way.” Free Resources for Families To help parents extend the lessons at home, Dr. Enete created a free activity book that pairs with the podcast. It includes fun exercises, badges, and a certificate of completion—each tied to key money principles like giving, saving, and contentment. You can find the podcast and resources at WholeHeartFinances.com. At the heart of The Money Storybook Bible Podcast is a simple but transformative...

When Ron Blue joins us, it’s always a masterclass in biblical wisdom. He’s co-founder of Kingdom Advisors, a best-selling author, and a trusted mentor to many. Ron has spent decades helping believers apply God’s principles to every area of life and business. Today, Ron unpacks what Scripture teaches about partnerships and how faith should shape the way we enter, manage, and exit them. The Broader Meaning of “Partnership” When the Apostle Paul warned believers about being “unequally yoked,” he wasn’t speaking only about marriage. As Ron explains, “Paul was talking about partnerships—and there are so many kinds.” From professional firms and small businesses to investment ventures and partnerships, they can take many forms. And while they can be incredibly fruitful, they also carry spiritual and relational risks. Ron pointed out that partnerships often last a long time—sometimes decades. “The CPA firm I founded has been operating as a partnership for 50 years,” he said. “But not all partnerships endure well. Like marriage, many end in conflict.” Principle #1: Protect Your Testimony Ron’s first principle is about spiritual integrity. “You have to ask what the partnership will do to your testimony,” he said. “If you’re unequally yoked with someone whose values fundamentally differ from yours, you could lose your witness in the process.” He recalled being asked whether a Christian OB-GYN should enter a business partnership with a doctor who supports abortion. “Only you and God can answer that,” he said, “but it’s a big question. Your witness is always at stake.” Principle #2: Plan Your Exit Before You Begin “Have your exit strategy in place before you form the partnership,” Ron advises. Just as couples prepare for challenges in marriage, business partners should anticipate potential separation. A clear exit plan protects both parties, ensures fairness, and helps maintain peace when the time comes to move on. “When you have that in place,” Ron said, “you avoid a lot of conflict and preserve your testimony if you’re the believer who’s leaving.” Principle #3: Preserve the Mission Beyond the Relationship Perhaps the most powerful insight Ron shared was this: the mission must outlive the partnership. Ron recalled his own experience leading a financial planning firm. “After 23 years, I left—but no one left with me,” he said. “They were committed to the mission. That’s what you want to see happen.” A strong exit strategy and shared vision help ensure that the work—and the witness—continue long after any individual departs. The Bottom Line Shared faith isn’t just good for business—it’s essential for a lasting witness. Partnerships grounded in biblical principles reflect God’s wisdom and preserve peace amid challenges. As Ron put it, “The most critical thing you want to preserve is your testimony. Everything else flows from that.” On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It’s one of the most valuable things we have—and one of the easiest to waste. We’ve all heard the saying, “Time is money.” But if that’s true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it’s the most limited resource God has given us. Learning to steward it well isn’t just good productivity advice—it’s an act of worship. If you’ve ever said, “I just need a little more time,” you’re not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.” We treat time like a renewable resource when it’s really more like a savings account that’s constantly being drawn down. Every hour that passes is one you’ll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce. A Biblical View of Time Scripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He’s not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable. From a biblical perspective, time isn’t ours to manage however we wish. It’s a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time. In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God’s glory. It’s the same word Paul uses elsewhere to describe what Jesus did for us on the cross. Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we’re called to redeem our time—to invest every moment, conversation, and decision in what will last forever. Here’s the catch: if you don’t decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren’t truly important. Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father’s will. How to Steward Your Time Well So how can we live as if our time truly belongs to God? 1. Reevaluate Your Priorities Every decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God’s eyes—and am I giving that my best time?” 2. Measure Time by Meaning, Not Money Our culture values time by dollars per hour, but God’s economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.” 3. Build Margin into Your Life Just as financial margin creates freedom to give, time margin allows you to live generously. When you’re not overscheduled, you can pause to listen, serve, or rest. Sabbath isn’t wasted time—it’s holy time that reminds us that God is in control. 4. Steward Small Moments Eternal impact isn’t found only in big events. It’s in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.” Making Your Hours Count for Eternity When you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T....

Many people say our healthcare system is broken—and maybe you’ve felt that yourself. Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there’s a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it. Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why an “Open Enrollment” Campaign for a Year-Round Ministry? While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges. This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it’s an excellent opportunity to shine a light on a biblical alternative. Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who’ve paid premiums for years, only to find that help is unavailable when they need it most. It’s disheartening. You think your provider is in-network, but later find out they’re not. That leaves patients confused and financially burdened. It’s a system that often leaves believers wondering if there’s a better way. That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system. How CHM Differs from Insurance CHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other’s medical expenses—a reflection of biblical community and mutual care. They’ve been around since 1981 and have shared or satisfied over $13 billion in medical bills. They’re a nonprofit ministry that helps Christians live out their faith through practical care. Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry’s guidelines. It’s simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they’re part of a community that cares. At its core, CHM is not an insurance company—it’s a Christ-centered community built on shared values. Members give monthly to help other believers in need. It’s an act of faith and stewardship. And for most people, it’s far more affordable than traditional plans. This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values. Guidance for Those Exploring Their Options For anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind. You don’t have to be trapped in a broken insurance system. There’s a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable. Many in the Faith & Finance audience are retirees or nearing retirement. So it’s important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover. It’s what they call a ‘complementary’ approach, where CHM can help cover costs Medicare doesn’t pay, as long as they fall within its guidelines. FaithFi is grateful for CHM’s partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don’t have to settle for a system that’s broken. There’s a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)National Christian...

What if your investments did more than earn returns—what if they helped shape the culture for good? Today, we’ll explore how your money can not only grow but also advance God’s purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact. Brian Mumbert is the President of Timothy Plan, an underwriter of Faith & Finance. Giving That Flows from Faith At the heart of Timothy Plan’s mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan—tithes its profits to support ministries aligned with biblical values. Those partnerships reflect a desire to be active on the other side of Timothy Plan’s investment screens. In other words, it’s not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families. This commitment is not theoretical—it’s deeply practical. In Central Florida, Timothy Plan partners with organizations such as Choices Women’s Clinic, the area’s largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry. Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice. Through the Kairos Prize, Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project, which equips entrepreneurs worldwide to start and grow businesses based on biblical principles. A Legacy of Business as Ministry Timothy Plan’s founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God’s work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God’s got a bigger shovel.” That philosophy continues to shape Timothy Plan’s culture. They see business as ministry, and since we are all stewards of God’s money, we want to ensure it has an eternal impact. For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we’re not just seeking a return—we’re influencing what gets built, produced, and promoted in our world. This approach aligns with the broader mission of Timothy Plan: to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation. At FaithFi, we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture. To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Timothy PlanCharles SchwabFidelityAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people...

Ever wonder why money so often reveals what we truly value? Today, we’ll find out. You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we’re turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives. Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind Our Ultimate Treasure When Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn’t set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God. Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional. Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn’t matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues. That’s why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God’s purposes—to see money not as a source of stress or identity, but as a tool for worship. Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most. If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally. Moving from Ownership to Stewardship One of the most freeing shifts in a believer’s financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we’re simply managers of His resources, everything changes. Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God’s. Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God’s financial principles aren’t restrictive—they’re protective. When we live within our means, avoid debt, plan diligently, and give generously, we’re reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn’t just shape our money; it shapes our hearts, making us look more like Christ. The Gift of Margin, Generosity, and Legacy One of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there’s no space left for God to move. Creating margin is an act of faith. It’s how we say, “Lord, I trust You enough not to live at the edge.” When...

Blending a family takes grace—and so does blending your finances. When couples merge families, they’re also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage. Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Why Honest Money Conversations Matter There once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It’s a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations. For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn’t guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship? Money becomes the testing ground for those questions. That’s why avoiding financial conversations doesn’t protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered. Finances are never just about dollars and cents. They’re about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I’m gone? There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship. When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together. The Challenge of Inheritance and Trust Consider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We’re one now—just leave everything to me, and I’ll take care of your family. But Sandra hesitated. Her adult children hadn’t had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone? This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn’t achieved through documents—it’s achieved through relational clarity. You can’t solve financial questions until you’ve addressed the relational ones. Moving from Prenuptial to Togetherness So what’s the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.” Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won’t receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families. In a Togetherness Agreement, couples prayerfully decide together: It’s not about dividing assets—it’s about uniting hearts. This process builds...

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” - Edmund Burke It’s a familiar thought: If I just had a little more money, life would be better. We’ve all been there—believing that one more raise, one more purchase, one more upgrade will finally bring contentment. But as many have discovered, that thought rarely delivers what it promises. The question “Can money buy happiness?” isn’t new, and neither is the answer. From philosophers to billionaires to biblical writers, the conclusion is the same: wealth can make life comfortable, but it cannot make life complete. Why Money Can’t Deliver What It Promises We don’t know how much Edmund Burke studied Scripture, but his words echo a timeless truth. Paul warned Timothy, “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). When we expect money to solve our problems or satisfy our hearts, disappointment always follows. Financial author Ron Blue explores this in his book, Generous Living: Finding Contentment Through Giving, pointing out a deep disconnect between what we believe and how we behave. Most of us would agree that “money can’t buy happiness,” yet nearly every message in our culture insists that it can. The world doesn’t just tempt us to spend more—it trains us to depend on more. Advertising drives this message home. Every commercial suggests that joy is only one purchase away. The right car, the latest phone, the perfect vacation—each one whispers that happiness is for sale. But when our hearts attach to things that fade, anxiety soon takes root. Instead of owning our possessions, our possessions begin to own us. John D. Rockefeller, worth billions in today’s dollars, once admitted, “I have made many millions, but they have brought me no happiness.” Henry Ford echoed the same sentiment: “I was happier when I was doing a mechanic’s job.” And long before them, King Solomon—the wealthiest man of his day—wrote, “He who loves money will not be satisfied with money; this also is vanity” (Ecclesiastes 5:10). Three men, three eras, one truth: money can’t satisfy the soul. Two Myths About Wealth Ron Blue identifies two common lies about money: More money brings more freedom and satisfaction.his book“Since there are always unlimited ways to spend limited dollars, it doesn’t matter whether you make $20,000 or $200,000—you will always have choices to make.”More money removes fear and worry.In those moments, God invites us to a deeper trust—not in our accounts or assets, but in His character. His provision is measured not by our portfolios but by His promises. So how do we break free from financial fear? It begins with a shift in perspective: realizing it’s not your money. You’re a steward, not an owner. Everything you have belongs to God. Philippians 4:19 assures us, “And my God will supply every need of yours according to his riches in glory in Christ Jesus.” God promises provision, not luxury. He gives enough for His purpose in your life, not necessarily for every preference. Our role is faithfulness—to manage His resources wisely, give generously, and hold loosely what He entrusts to us. Enjoy His gifts, but never expect them to give you peace or identity. Those belong to God alone. Finding Joy That Lasts Psalm 37:3–5 gives us the pathway to contentment: “Trust in the Lord, and do good… Delight yourself in the Lord, and he will give you the desires of your heart.” When we delight in God, He reshapes our desires. We stop chasing what fades and start finding joy in what lasts. True wealth isn’t measured by net worth but by contentment. So, can money buy happiness? Not the kind that endures. It can buy comfort and convenience—but not peace, purpose, or joy. Those come only from trusting the One who provides. When your hope rests in Christ and not your paycheck, you’ll experience what Edmund Burke described centuries ago: true freedom that never fades. On Today’s Program, Rob Answers Listener...

The best gift you can give yourself this season might not come wrapped in paper or tied with a bow. The holiday season—from Thanksgiving through Christmas—can be one of the most joyful times of the year, but also one of the most stressful, especially when money’s tight. What if you could celebrate the whole season without the financial regret that debt brings? The good news is—you can. With a few simple steps, you can enjoy the season, bless others, and keep peace in your heart and home. Start With a Spending Plan From the turkey to the tinsel, the holidays bring both delight and pressure. We want to give, to gather, and to make memories. But if we’re not careful, the bills that follow can overshadow the joy. Begin by setting a total spending limit. Start with what you can afford, not what you wish you could. That number becomes your guardrail for the season. You’re not being stingy—you’re being wise. Every dollar you keep out of debt stays available for future generosity. Next, divide that total into categories—food, travel, gifts, decorations, charitable giving—whatever matters most to your family. Writing it down makes the plan tangible and easier to follow. If you’re hosting Thanksgiving dinner, include the cost of groceries. If you’re traveling, plan for gas or airfare now so you’re not caught off guard later. Pay With Cash or Debit Studies show we spend about 30% more when paying with credit. Whenever possible, pay with cash or a debit card. If you must use a credit card, set a firm limit and stick to it. Some families even open a separate account just for holiday spending. It creates a natural boundary and helps avoid impulse purchases. There’s real freedom in knowing you’ve already decided what’s enough. Get Creative With Giving Whether it’s hosting Thanksgiving dinner or wrapping Christmas gifts, remember—it’s not about the price tag. A handwritten note, a framed photo, or a homemade pie can carry far more meaning than something store-bought. Acts 20:35 reminds us, “It is more blessed to give than to receive.” That blessing isn’t about the cost—it’s about the heart. If your children are old enough, invite them to help bake cookies for neighbors or make handmade gifts for grandparents. These shared experiences create memories that last far longer than the presents themselves. You can also use what you already have—redeem unused reward points or gift cards. It’s one more way to keep spending within your means. Plan Ahead for Next Year When January rolls around, start setting aside a little each month for the next holiday season. Even $50 a paycheck can make a big difference. By next November, you’ll be ready to give and celebrate without anxiety. If you prefer automation, set up a small transfer to a dedicated savings account. You’ll hardly notice it leaving your budget—but you’ll be grateful when the holidays return. Partner With a Faith-Based Financial Institution If you’re looking for a trusted place to save, consider our friends at Christian Community Credit Union (CCCU)—a financial institution that’s been serving believers and ministries for over 68 years. They share your faith and are committed to helping you manage money in a way that honors God. Their savings accounts, digital tools, and personalized service can help you stay on track during the busiest time of the year. Right now, as a special offer to FaithFi listeners, you can receive up to a $400 bonus when you open a high-yield checking, savings, or Visa cash-back card. Visit FaithFi.com/Banking and enter the code “FaithFi” when you apply. Keep Your Focus on What Matters Most As you prepare for Thanksgiving, take a moment to thank God for His provision. Gratitude is where wise stewardship begins. And as Christmas draws near, let your giving reflect the joy of God’s greatest gift—His Son, Jesus Christ. When we give with grateful hearts and live with margin, we reflect His generosity to the world around us. Ultimately, this creates...

Why do so many Christians want to give more—but feel like they can’t? Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don’t give more, and how we can begin climbing toward greater generosity. Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment. Five Barriers to Generosity—and How to Overcome Them Generosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning. 1. Spiritual Condition: The Foundation of Generosity Before generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding. The more we understand God’s ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship. 2. Financial Health: Creating Margin to Give Even when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can’t give more because they’re weighed down by debt, overspending, or disorganization. It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish. 3. Vision: Seeing Where God Is Working People don’t give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we’re motivated to invest more deeply. A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose. 4. Community: Encouragement from Others Generosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we’re inspired to do the same. Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn’t just an individual act—it’s part of how the body of Christ functions together. 5. Planning: Giving with Intention Finally, generosity grows through intentional planning. I’ve seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold. A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life. Moving Toward Greater Generosity These five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended. So, which one are you ready to work on today? The journey toward generosity isn’t about guilt—it’s about grace. As we align our hearts, habits,...

Do you ever feel like budgeting is impossible because your income changes from month to month? If you’re self-employed, work on commission, or depend on tips, you’re not alone. Living on a variable income can feel like riding a financial roller coaster—one month you’re doing fine, and the next, you’re wondering how to make ends meet. But the good news is that God’s Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” No matter how steady—or unpredictable—your income is, a plan is essential. Build Your Budget on What You Know, Not What You Hope Many people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month. Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving. For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons. This approach protects you from overcommitting when income drops and helps you live within your means. Create an Income-Holding Account When your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account. Here’s how it works: This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder: “Know well the condition of your flocks, and give attention to your herds.” In today’s world, that means knowing where your money is, where it’s going, and when it’s available. Also, if your income fluctuates, an emergency fund isn’t optional—it’s essential. Start by saving enough to cover one month’s expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you’ll be able to keep paying yourself consistently. Differentiate Between Fixed and Flexible Expenses Another key to managing a variable income is learning to distinguish between fixed and flexible expenses. Fixed expenses—Flexible expenses—During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances. One of the easiest ways to get off track is through “surprise” expenses that shouldn’t be surprises—car repairs, insurance premiums, or property taxes. List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you’re ready. No scrambling. No stress. Just peace that comes from faithful planning. Trust the Provider, Not the Paycheck Even when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children. So whether your income changes weekly or seasonally, rest in this truth: stability isn’t found in your paycheck—it’s found in God’s faithful provision. If you’re ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God’s resources. Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store. 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...

Losing a spouse can shake every part of life—but God promises to walk with you through each next step. When loss turns life upside down, even simple financial decisions can feel overwhelming. But with God’s help—and a few practical steps forward—there is hope and healing ahead. Today, Valerie Hogan joins us to share guidance for navigating the financial journey after losing a spouse. Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, and the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. Grief and Finances Are Deeply Connected When grief hits, clarity often disappears. You may feel pressure to “get everything settled” or, on the other hand, find it impossible to make even small decisions. Both reactions are normal. Grief colors everything. It’s difficult to separate financial choices from emotional pain. And that’s okay. The key is to give yourself permission not to have all the answers right away. Statistics show that about 80% of women will outlive their husbands. That means most of us will one day find ourselves managing finances alone. And many women, especially from earlier generations, weren’t as involved in financial decisions during marriage. After loss, that reality can be intimidating. Suddenly, you’re faced with choices about investments, taxes, home maintenance, and budgets—often with less income and more years of life ahead. Those early months matter, but they shouldn’t be rushed. Start with This Truth: God Owns It All Before any practical steps, I want to anchor you in a truth that has carried me and countless others through difficult seasons: God owns it all. Everything we have belongs to Him, and He is with us as we steward it. Remembering that doesn’t erase the pain, but it reminds us we’re not alone. It shifts the weight of control off our shoulders and invites God’s wisdom into our decisions. That truth gives us permission to move slowly and prayerfully. Stewardship is not about perfection—it’s about trust. Steps for Navigating the Early Days Here are some guiding steps I often share with widows who ask, “Where do I even begin?” 1. Take One Step at a Time You don’t need to fix everything today. Unless a change is absolutely urgent, give yourself space to rest and recover. Grief has a way of making even simple tasks feel monumental. Be patient with yourself. 2. Avoid Major Financial Moves Too Soon Try not to make significant financial decisions while emotions are raw. Some women have sold homes, moved away, or invested large sums during intense grief—only to regret it later. Wait until your heart is steadier before making big changes. 3. Get Organized, Little by Little Loss often leaves behind a mountain of paperwork. Start small—maybe one pile, one folder, one hour. Ask a trusted friend or advisor to help if it feels overwhelming. Progress comes one decision at a time. 4. Track What’s Coming In and Going Out Awareness brings peace. You don’t have to overhaul your budget immediately—just begin noticing where money is going. Clarity grows with consistency. 5. Lean on Trusted Advisors Choose people who will look out for your best interest—those with integrity and experience, not pressure or sales motives. A trusted financial planner, attorney, or advisor can help you think clearly when emotions run high. 6. Anchor Everything in Prayer This is the most important step. God cares deeply when His people are hurting. Invite Him into every conversation, every decision, every bill you open. He is your provider and your comforter. Build a “Personal Board of Directors” Form a personal board of directors—a small circle of wise people you can lean on for different kinds of counsel. You might include: Each one brings something valuable. Just remember: not every encourager is a financial guide, and not every advisor is a prayer partner. Surround yourself with a balanced mix of wisdom and...

If you’ve ever wished your giving could be both simpler and more strategic, there’s a powerful tool worth knowing about: the donor-advised fund, or DAF for short. Generosity isn’t just about how much you give—it’s about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” Wise stewardship allows us to align our giving with God’s purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently. What Is a Donor-Advised Fund? Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable. In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully. Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving. Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes. You receive an immediate tax deduction for the full value of your gift since it’s considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately. When you’re ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously. The Benefits of a Donor-Advised Fund Donor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact. Here are some of the key advantages: Simplicity –Tax Efficiency –Flexibility –Legacy Planning –Focus on Mission –Important Limitations to Consider No giving tool is perfect. Here are a few things to keep in mind: Irrevocability –Qualified Recipients –Timing of Impact –At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release. Why FaithFi Recommends NCF There are many donor-advised fund providers—but not all share your faith commitments. That’s why we recommend the National Christian Foundation (NCF). NCF doesn’t just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets. More importantly, NCF’s team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving. To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you’d like a trusted financial advisor to guide you in the process, visit FindaCKA.com. At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work. When our giving flows from gratitude and...

What if we stopped investing like bystanders and started investing like owners and “neighbors” in the story of our finances? When you invest like an owner, our portfolios can reflect faithful stewardship and create real-world impact. Robin John joins us today to share practical ways to move from passive investing to purposeful ownership. Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He’s also the author of the book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World. Investing vs. Speculating Many people confuse investing with speculating. Speculating—like day trading—is often no different than gambling. It’s focused on short-term gains, trying to predict what the market will do tomorrow. But investing is about ownership. When you buy a stock, you’re buying a piece of a company. You become a co-owner. That means your money is participating in real work—serving customers, employing people, and creating products that impact lives. As Christians, we should invest in companies we believe are doing good for the world, not just generating profits. Speculation is reactive and anxious. Investing, when done faithfully, allows us to rest in the knowledge that our capital is working toward purposes aligned with God’s design for flourishing. The Responsibility of Ownership Ownership changes everything. It confers ethical responsibility. If you owned a neighborhood store, you’d care deeply about how it serves your community, treats employees, and impacts the environment. In the same way, being a shareholder means you share in both the profits and the moral implications of what that company does. That’s why Eventide Asset Management believes that Christians must think like owners, not traders. Ownership means engaging thoughtfully with the companies we invest in—voting proxies, engaging in dialogue with management, and ensuring that our capital is stewarded with integrity. Our investing isn’t just about earning; it’s about embodying our faith in the marketplace. Why Passive Investing Deserves a Closer Look In recent years, many investors have turned to index funds or “passive” strategies. While these offer simplicity and diversification, I believe we should pause and ask: What are we actually owning? As Christians, we can’t do anything passively—not even investing. Romans 12:2 calls us to avoid conforming to the patterns of this world, to renew our minds, and to discern what is good. That means we can’t blindly invest in every company just because it’s part of a market index. Do we really want to profit from industries like pornography, abortion, gambling, or tobacco? Our calling is to pursue good profits—profits that come from serving others and honoring God. To meet that need, Eventide has created systematic ETFs—investment funds that provide broad market exposure while intentionally excluding harmful industries. They’re designed for believers who want to participate in the market without compromising biblical conviction. The Neighbor Map: Loving People Through Investing In his book, The Good Investor, Robin shares something he calls the Neighbor Map—a framework that helps us see all the “neighbors” affected by a business. God’s command to “love your neighbor as yourself” (Leviticus 19) isn’t abstract. It applies to the business world. At Eventide, they have identified six key neighbors every company should serve: Customers –Employees –Suppliers –Communities –The Environment –Society –Faithful investing isn’t only about avoiding harm—it’s also about embracing good. When we invest in companies that love their neighbors well, we participate in God’s ongoing work of restoration. As investors, we’re not distant spectators. We’re partners. At Eventide, they engage directly with the companies we invest in—raising concerns, asking hard questions, and encouraging leadership to act with wisdom and...

The most generous people give something money can’t buy—their time, their presence, and their love. Generosity reaches far beyond finances. It shapes hearts, strengthens families, and builds communities of grace. Today, Sharon Epps joins us to talk about the long-term impact of generous living. 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. A Simple Question That Changes Everything If you’ve ever wondered what true generosity looks like, it’s often simpler—and closer to home—than we think. Generosity isn’t measured by dollar amounts or estate plans; it’s written on the faces and in the actions of people who live with open hearts. In fact, if you ask someone a simple question like this, you will move their hearts more than you know: “Think about the most generous person you know. What do they look like? What’s their countenance? Their posture?” Take a moment to picture them. Chances are, their face lights up your mind’s eye. They’re probably joyful, peaceful, genuine—and not necessarily wealthy. That’s because generosity is about heart, not income. It’s about presence, not possessions. When we make generosity personal, it changes us. We stop thinking in abstract ideas and start remembering real people who gave freely of themselves—and in doing so, reflected the heart of Christ. When this question is asked, the answers are often the same: a grandparent, an aunt, an uncle—someone who gave of themselves through love, laughter, and listening. These aren’t people who built foundations or donated millions. They modeled generosity through steady love and consistency. That’s what long-term generosity looks like. It starts at home and grows outward. Redefining Long-Term Impact When we hear “long-term impact,” our minds often jump to wills, trusts, or endowments. Those are important tools, but they’re not the whole story. True long-term impact happens when we invest our lives, not just our assets. Every day, we have the chance to sow generosity through acts of service, hospitality, and encouragement. These simple seeds—when planted faithfully—bear fruit that outlasts any financial gift because they grow in people’s hearts. If you long to leave a legacy of generosity, start small. Serve one person this week.Be steady and intentional.Practice generosity with time and words.Over time, those small acts of faithfulness will shape the kind of life others remember as generous. Generosity is most powerful when it’s shared. Families that give together cultivate hearts that reflect God’s heart. Take your children with you when you serve at a food pantry. Let them see generosity in action. Talk about giving not as an obligation but as a joyful response to God’s grace. A Practical Tool for Giving One practical way to make giving intentional is through a donor-advised fund—or what our friends at the National Christian Foundation call a Giving Fund. It’s like a charitable checking account where you can deposit money now and prayerfully decide later how to distribute it. Opening one is quick and easy, and it’s a great way to involve your children or grandchildren in deciding where to give. You can learn more or start one in under five minutes at FaithFi.com/NCF. Generosity Flows Toward People In the end, generosity isn’t about how much we give—it’s about who we’re becoming. It’s not just an act; it’s a lifestyle. When our generosity flows toward people instead of possessions, we participate in God’s ongoing story of redemption. That’s the kind of impact that lasts far beyond our lifetime. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Redeeming Money: How God Reveals and Reorients Our Hearts by Paul...

Living simply isn’t about deprivation—it’s about freedom. And that freedom can unleash extraordinary generosity. God calls us to live with eternity in mind—not clinging to possessions but using what we have for His Kingdom. Randy Alcorn joins us today to talk about how we can loosen our grip on earthly things to open our hands to eternal impact. Randy Alcorn is the founder and director of Eternal Perspective Ministries (EPM) and the New York Times Bestselling author of more than 60 books, including Heaven, Money, Possessions, and Eternity, The Treasure Principle, and Giving Is the Good Life. His books have been translated into over 70 languages and have sold more than 10 million copies. Simplicity That Leads to Generosity You’ve likely heard the phrase, “Live simply, that others may simply live.” It’s a short sentence with a world of meaning behind it—and one that feels increasingly relevant today. Everywhere we look, we see need. It’s been that way ever since sin entered the world, but now the sheer scale is staggering—billions of people living in poverty, lacking food, clean water, or access to opportunity. When we consider this, it should be shocking to see how much of a difference it would make if those of us who follow Jesus simply chose to live on less—so that we could give more. This isn’t about rejecting good gifts or living in asceticism. It’s about reordering our priorities so that what God provides doesn’t end with us. Living simply creates margin. And that margin can fuel generosity that transforms lives, both now and for eternity. Some people hear “simplicity” and think of minimalism for its own sake—going off the grid, cutting out every comfort, or proudly living with as little as possible. But simplicity by itself accomplishes very little. You could live the simplest life imaginable, and still not help anyone. The goal isn’t simplicity—it’s purposeful simplicity that opens the door to generous living. If God blesses you with wealth, there’s no shame in that. In fact, that’s a great opportunity. The question isn’t how much do you have?—but what are you doing with what you have? Go ahead and earn well, but then invest it in God’s Kingdom. Use what He’s entrusted to you to love Him and to love others. That’s where simplicity finds its true purpose—in freeing you to give more boldly, more joyfully, and more eternally. Seeing Life Through the Lens of Eternity When Jesus said, “Store up for yourselves treasures in heaven,” He wasn’t speaking in riddles. He was revealing a reality that reshapes everything we own. But if we have no concept of Heaven—if we’re not eager for the life to come—then treasures in Heaven won’t mean much to us. Scripture promises that God will one day bring Heaven down to Earth—the new Earth, a renewed creation where righteousness dwells. That’s our forever home. That’s the world we were made for. When we live in light of that eternal perspective, it changes how we view possessions today. Why cling to what’s temporary when you can invest in what lasts forever? The things of this world fade—but what’s given to God’s purposes endures. For many of us, money and possessions have enormous mass. But when we give generously, we shift our center of gravity from earth to eternity. We begin to orbit around God’s Kingdom rather than our own comfort. That’s freedom. Becoming God’s Delivery System Everything we have comes from God—and it’s meant to flow through us, not stop with us. I like to say we’re not buckets, we’re pipelines. God’s resources are meant to move through our lives to accomplish His purposes. If the FedEx driver delivered a package to himself instead of the intended recipient, we’d say he misunderstood his job. And yet, that’s what many of us do with God’s provision. We assume it’s all for us when in reality, we’re the delivery system for His grace. The Bible says, “Now it is required that those who have been given a trust must prove faithful.” (1 Corinthians 4:2)...

We live in a world that never seems to slow down. Deadlines, family demands, and constant notifications all compete for our attention. But what if God designed rest—not just work—as being essential to our flourishing? Today, we’re talking with Tom Nelson about the Sabbath, why it matters, and how it can transform the way we live and trust God. Dr. Tom Nelson is the President of Made to Flourish and has served as the Senior Pastor of Christ Community Church, a multi-site congregation across Kansas City, for over 30 years. He is also the author of Why Your Work Matters: How God Uses Our Everyday Vocations to Transform Us, Our Neighbors, and the World. God’s Design for Both Work and Rest From the very first pages of Scripture, we see that God’s creation design includes both work and rest. These are not competing ideas but complementary rhythms woven into what it means to bear God’s image. Yet in our culture, it’s easy to emphasize one and neglect the other. We celebrate hard work—and rightly so—but often ignore the equally important gift of rest. Genesis 2 begins not with human work, but with divine rest. “By the seventh day God had finished the work he had been doing; so on the seventh day he rested” (Genesis 2:2). God didn’t rest because He was weary. He rested to delight in His creation and to model for us a rhythm of life that mirrors His own. Sabbath is a gift. It’s not an obstacle to productivity but an invitation to communion with our Creator. From the Garden of Eden to the Ten Commandments, from Jesus' ministry to the promise of the new creation, the thread of Sabbath runs through the entire story of Scripture. When we honor that rhythm—six days of labor and one day of holy rest—we experience an echo of Eden and a foretaste of eternity, when we will work and rest in perfect harmony with God. Rediscovering Sabbath as a Gift God designed us for a relationship with Himself and with one another. Sabbath helps us recalibrate those relationships. It reorders our hearts around love, not accomplishment. The Triune God invites us to rest so that our hearts might be re-centered on intimacy with Him rather than on our own achievements. That’s what Sabbath is really about: not simply stopping our work, but remembering who sustains it. It reminds us that the primary calling of our lives is not to do for God, but to be with God. For many of us, we may see Sabbath as optional—something good in theory but impossible in practice. However, neglecting rest affects our spiritual formation, our relationships, and even our physical and emotional health. Sabbath is not a duty; it’s a grace. It’s not legalism; it’s life. Sabbath is God’s way of teaching us to steward not just our resources, but our time. We often speak of stewarding our time, talent, and treasure, yet forget that time itself is one of God’s greatest gifts. We may think of Sabbath as “rest from work,” but we should really view it as “work from rest.” Our week should flow out of the rest we receive—not the other way around. Guarding Against the Idolatry of Work Our work matters deeply to God. But like all good things, it can become disordered. When we place our identity, meaning, or security in what we accomplish, work becomes an idol. Sabbath protects us from that idolatry. By resting, we declare that God—not our productivity—sustains the world. Sabbath breaks the cycle of self-reliance and teaches us to trust the One who never sleeps. It frees us to delight in beauty, to nurture relationships, and to experience renewal in body and soul. Many people say, “That sounds wonderful, but you don’t know my schedule.” Between raising children, leading organizations, and building businesses, the idea of a day of rest can feel unrealistic. But Sabbath is not a test of devotion—it’s an act of grace. Jesus said, “The Sabbath was made for man, not man for the Sabbath” (Mark 2:27). God gives us this rhythm for our good. So start small. Begin with an afternoon. Disconnect...