Faith & Finance

College students may be pros at pulling off last-minute study sessions, but when it comes to finances, cramming just doesn’t cut it. Everyone often needs a budget, and for college students, that is even more crucial. Today, Dr. Kelly Rush joins us with practical budgeting advice every college student should hear. Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. Why Budgeting Matters More Than You Think Proverbs 22:6 tells us to “train up a child in the way he should go, and when he is old he will not depart from it.” That’s not just true for spiritual instruction—it applies to money too. The habits we form in college, for better or worse, often follow us into adulthood. And if students don’t develop intentional stewardship during these formative years, they may face regrets down the road that could’ve been avoided. Most students know they shouldn’t spend recklessly, but they often don’t know where their money is going. Without a written budget or a tool to track spending, it’s easy to watch bank accounts shrink faster than expected—and not know why. Budgeting isn’t about restriction. It’s about clarity. It’s about choosing in advance how to use what God has entrusted to you. And it’s a habit that pays dividends over time. Understanding the Time Value of Money One of the most powerful lessons a student can learn is the time value of money. It’s often a reminder of the orderly nature of the God we serve since there’s a logic to how money grows over time. And in every financial equation, time is the most powerful variable. Scripture encourages us to think this way. Psalm 90:12 asks God to “teach us to number our days,” and Ephesians 5:15–16 tells us to “redeem the time.” For students, this means starting early: saving early, giving early, and stewarding their resources early. That’s where the real impact lies. Money also has momentum. It moves quickly. And in college, that momentum usually comes through small, frequent purchases: coffee runs, streaming subscriptions, and fast food. These little expenses add up and build financial habits, whether you realize it or not. Being aware of how money flows—and having a plan for it—is what budgeting is all about. Tools That Actually Work Today’s students are digital natives. They’re not going to carry around envelopes of cash. Of course, we recommend the FaithFi app because it’s easy to use, customizable, and based on biblical principles. If you’re a student (or a parent helping one), it’s a great place to start. You can check it out at FaithFi.com and click “App” or download it from your app store. At some point, students need to begin taking ownership of certain expenses, such as gas, clothes, and possibly even their phone bill. We encourage families to approach this like a team sport: communicate when and which expenses will be transferred from parent to student, then open a bank account and create a game plan together. That transition is not just financial—it’s formative. Working during college isn’t just about making money—it’s about learning responsibility. Students can find part-time jobs that offer both flexibility and impact. Perhaps that involves working at a hospital if you're studying nursing, or obtaining a referee certification or barber license for higher-ROI opportunities. Work that aligns with your career goals is a double win. What About Credit? Credit is another topic that comes up often. Should students start building credit now or wait until later? Either option can work, but there are advantages to starting early, wisely. We usually suggest a secured credit card paired with a basic expense, such as gas. It’s easy to track and builds a positive credit history. The key, of course, is paying it off every month. Pitfalls to Watch Out For Let me leave you with a warning: shortcuts are tempting. College students are particularly vulnerable to the allure of...

“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.” With those words, Warren Buffett reminded us that character and integrity matter—especially in the world of money. Now, after more than sixty years of market-shaping moves and famous one-liners, Buffett is calling it a career. Today, Matt Bell joins us to reflect on his legacy and share what timeless lessons every investor can learn from it. Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. A Track Record That’s Hard to Ignore If you had invested $100 in Berkshire Hathaway back in 1965, that single investment would have grown to over $5.5 million by the end of last year. Compare that with the S&P 500 over the same period, which would have turned $100 into just $39,000. Clearly, Buffett did something different. One unconventional move? He never issued dividends for Berkshire Hathaway, instead reinvesting profits to increase share value. That patient, long-view approach paid off—and it hints at biblical principles like delayed gratification and wise stewardship (Proverbs 21:20). Buffett famously said, “Be fearful when others are greedy and greedy when others are fearful.” While Christians would rightly reject greed and fear as motivations, the deeper principle here is about remaining steady and disciplined in volatile times—echoing Proverbs 14:15: “The simple believe everything, but the prudent give thought to their steps.” Buffett often waited with cash on hand until the right opportunities appeared, especially during downturns. That patience and discernment mirrors biblical instruction to avoid impulsiveness and instead seek wisdom in decision-making. Investing Lessons With Biblical Parallels Over the years, Buffett offered dozens of pithy insights that mirror biblical truth. Here are a few standouts: “If you don’t find a way to make money while you sleep, you’ll work until you die.” “Risk comes from not knowing what you’re doing.”“Plans fail for lack of counsel, but with many advisers they succeed.” Diversification, emotional control, and long-term visionBuffett never let global turmoil shake his confidence in long-term investing. He wrote, “In the 20th century, the U.S. endured world wars, recessions, a depression, oil shocks, and more—yet the Dow rose from 66 to 11,497.” His takeaway: “It’s been a terrible mistake to bet against America.” While our hope as Christians isn’t rooted in any one nation’s economy, Buffett’s long view reminds us of the value of endurance and not making decisions based on fear or short-term noise (see James 1:5–6). Generosity and Legacy Perhaps most inspiring is Buffett’s commitment to give away 99% of his wealth. He plans to direct his Berkshire Hathaway shares toward philanthropic causes within ten years of his estate being settled. While we may differ on where those funds go, the posture of open-handed generosity reflects Jesus’ teaching: “It is more blessed to give than to receive” (Acts 20:35). Buffett’s success wasn’t just about intellect—it was about character: discipline, patience, and generosity. These are values every believer is called to cultivate. As you manage your resources, consider how biblical principles—often echoed in even the most unlikely places—can shape a wise, faithful financial life. To explore these ideas further, read Matt Bell’s full article, The Wisdom of Warren Buffett at SoundMindInvesting.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingThe Wisdom of Warren Buffett by Matt Bell (Sound Mind Investing Article)BankrateNerdwalletOpen Hands FinanceChristian Community Credit UnionWisdom 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...

“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.’” - Hebrews 13:5 Sports betting is more popular—and more accepted—than ever, even among Christians. But is it just harmless fun, or something more? Dr. David W. Jones returns to our financial ethics series to help us examine what Scripture says about gambling and how believers should approach it. 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. What Does Scripture Say About Gambling? Proverbs 13:11 reminds us that: “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Gambling, which includes sports betting, bypasses God’s designed rhythm of work and reward. 1 Timothy 6:9 warns that the desire to get rich quickly leads people into “ruin and destruction.” These verses challenge the notion that a fast win is simply a blessing—it may erode character. Is it always wrong to bet on a game with friends? Not necessarily. A one-time bracket pool during March Madness may not signal a deep moral compromise. But we must ask: Is this behavior occasional and harmless, or has it become habitual and idolatrous? The difference lies in the heart. It’s not that gambling created the idolatry of money or sports—it revealed it. And perhaps in God’s grace, it’s giving us an opportunity to examine what we truly worship. The Stewardship Question Every financial decision we make is a stewardship decision. Psalm 24:1 reminds us: “The earth is the Lord’s and everything in it.” So before we spend God’s money—even on entertainment—we must ask: Is this wise? Does this reflect my faith? Does it honor the Lord? We must start to think through whether our spending on gambling—even recreationally—glorifies God. That doesn’t mean all entertainment is wrong. But we are called to be faithful managers of what belongs to God, and some forms of entertainment carry higher risks than others. Beyond personal stewardship, Christians must consider what they're supporting. The gambling industry is responsible for significant harm. Studies show that 1 in 5 gambling addicts attempt suicide, and addiction is rising fastest among young adults, according to the American Psychological Association. For those in the church, we must acknowledge this cultural shift and lovingly walk alongside people through it, offering them truth, grace, and accountability. Idolatry, Discontentment, and the Way Back Sports betting may be legal, but legality is not the same as morality, and morality isn’t always wisdom. If your habits reflect discontentment or a misplaced trust in money, that’s a red flag. But there's hope. These things are not the unpardonable sin. 1 John 1:9 reminds us: “If we confess our sins, He is faithful and just to forgive us... God is always ready to receive us.” Isaiah 26:3 also says: “You keep him in perfect peace whose mind is stayed on You, because he trusts in You.” If you're struggling with a gambling habit or questioning your motivations, seek accountability at your local church. And if addiction is involved, please pursue professional help. Freedom is possible—and peace is found not in the thrill of a win, but in keeping your eyes on Christ. Remember: just because it’s permissible doesn’t mean it’s wise. True freedom is found not in betting on uncertain outcomes, but in trusting the God who holds the future. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by...

“The simple believe everything, but the prudent give thought to their steps.” — Proverbs 14:15 In an age where scams are becoming more sophisticated by the day, Scripture reminds us that discernment isn’t optional—it’s essential. As believers, protecting the resources God has entrusted to us is more than a practical concern—it’s an act of stewardship. Here’s how you can guard your finances with wisdom, not fear. Scams Are Everywhere—But So Is Wisdom Fraudsters use every channel available: phone calls, text messages, emails, and even impersonations of people you trust. But as followers of Christ, we’re not called to panic. We’re called to walk in wisdom (Ephesians 5:15). That begins with slowing down and thinking critically. Pause before you respond. Avoid untraceable payments.Practical Steps for Digital Protection Financial stewardship now includes digital awareness. Here are practical ways to protect yourself and your family: Use credit cards, not debit cards, for online purchases. Enable two-factor authentication (2FA) on all your financial accounts. Don’t reuse passwords.BitwardenNordPass Set up account alerts. Freeze your credit. Avoid public Wi-Fi for financial transactions. Limit what you share on social media. Shred sensitive documents before discarding them. Don’t click on unfamiliar links, even if they appear to come from someone you know.Stewarding Wisdom in Community Scammers often target the vulnerable, particularly older adults and teenagers. So make this a shared effort. Discuss online fraud with your family. Equip them with knowledge. If you receive a letter or email about identity protection following a data breach, verify it by contacting the company directly, rather than through the provided link or number. Financial faithfulness today includes digital vigilance. But there’s no need for fear. By taking these simple steps, you can walk confidently, knowing you’re stewarding God’s resources with care. A Tool for Wise Stewardship: The FaithFi App Looking for a practical way to manage your money with wisdom and peace of mind? The FaithFi app is a secure tool that helps you track your spending, plan your giving, and align your finances with biblical values. With 256-bit encryption, your data is protected, and your login credentials are never stored. FaithFi Pro users also receive exclusive articles, digital devotionals, and daily encouragement. Visit FaithFi.com and click “App” or search “FaithFi” in your app store to get started today. Steward your finances wisely. Protect what God has entrusted to you. And walk in peace, not panic. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously by Dr. Art RainerThe Finish Line PledgeSchwab Intelligent PortfoliosBettermentBitwardenNordPassWisdom 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.

“For God is not a God of disorder but of peace—as in all the congregations of the Lord’s people.” - 1 Corinthians 14:33 We’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Andrew Stanley, as we take a closer look at the Blue temperament and its influence on our approach to money. 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. Andrew Stanley is a nationally touring stand-up comedian who’s been performing across the country since 2016. You can learn more at AndrewStanleyComedy.com. In this episode, he also joins us as our representative for the Blue Temperament. The Four Temperaments in a Nutshell Before diving into blue specifically, Kathleen offers a quick primer on all four temperaments: Yellow (Sanguine) –Red (Choleric) –Blue (Melancholic) –Green (Phlegmatic) –Each temperament influences not just relationships, but also how people handle money, make decisions, and respond under pressure. Blues and the Search for Safety For those with a blue temperament, safety isn’t just a preference—it’s a core emotional need. Blues thrive in environments where things are predictable, orderly, and well-organized. They naturally seek clarity, structure, and control to feel secure. When it comes to money, this often means creating detailed budgets, developing long-term plans, and being cautious when making financial decisions without having all the necessary information. Blues may prefer to save rather than spend, not because they’re stingy, but because a growing bank account feels like a safety net against life’s uncertainties. They can struggle with risk and may delay action if they feel unsure, even if the opportunity is wise or time-sensitive. In relationships, this drive for safety shows up in how blues communicate and connect with others. They crave understanding and support but may not always express those needs clearly. Because they process deeply and thoroughly, they often require space and time before responding, especially in moments of conflict or when making big decisions. If rushed or misunderstood, they may withdraw, using silence as a way to regain control or avoid making a mistake. However, when their need for emotional safety is honored through patience, empathy, and clear communication, they can be deeply loyal, thoughtful, and intentional partners. Understanding this temperament helps others engage them with compassion and build stronger, more harmonious relationships. Advice for and About Blues If you have a blue temperament, give yourself permission to take the time you need to process decisions, especially those involving finances. Your thoughtful, analytical nature is a gift, but it can also lead to overthinking or decision paralysis. Don’t let the desire for perfection keep you from making progress. Instead, set realistic deadlines, seek wise counsel, and remember that not every choice has to be airtight before it’s made. Lean into your strengths—planning, order, and foresight—while also allowing space for joy, spontaneity, and relational connection. A budget isn’t just a safety tool; it can also be a pathway to shared experiences and generous living. For those in a relationship with a blue—whether in marriage, friendship, or at work—understand that their quiet moments are rarely a sign of apathy. Blues often feel deeply but express slowly. They value being understood and respected, especially when making important decisions. Don’t rush them. Instead, provide information clearly and give them time to reflect. Be patient if they seem hesitant or cautious. Underneath that careful exterior is someone who longs for peace, harmony, and purpose. When you...

Three words that can make any parent’s wallet flinch: “Back to school.” But there’s a silver lining—especially if your state has a tax-free weekend. For families gearing up for a new school year, those tax holidays can make a real difference. Today, Crystal Paine shares smart, practical ways to get prepared and save money along the way. Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. Does Your State Participate? Not every state offers a tax-free weekend, and the rules vary widely from state to state. Crystal recommends checking your state’s Department of Revenue or the Federation of Tax Administrators for up-to-date information. Understand what qualifies, as in some states, clothing must be under $100, and online purchases often count—if ordered and paid for within the specified window. Even if you’re not shopping for back-to-school items, this can still be a good time to purchase other qualifying necessities. Don’t treat the tax-free weekend like a shopping spree. Instead, we suggest that you: RetailMeNotSimply search for the site name and ‘coupon code’ before making a purchase. What About Online Shopping? A common misconception to keep in mind is that if you order and pay during the holiday window, and the item qualifies, it’s usually tax-exempt, even if it ships later. Please ensure it ships to an in-state address. One important caveat to remember is that Amazon may not always participate, and shipping costs may be included in item price caps in some states. Therefore, read the fine print and always check your confirmation receipt to ensure that tax wasn’t accidentally charged. Stewardship Over Savings The ultimate goal isn’t just saving money—it’s honoring God. Sometimes we think we’re saving when we’re really just spending less wastefully. But that’s still spending. Ask yourself: Am I buying this because it’s a wise investment, or is it just because it’s on sale? Make prayerful purchases—asking God for wisdom, guidance, and even provision when looking for specific items. God is faithful to lead us when we invite Him into our financial decisions. Good stewardship is about more than just saving money. It’s about aligning our spending with God’s purposes. To learn more and find additional resources, visit MoneySavingMom.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal PaineMoneySavingMom.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if your investments could do more than grow your wealth? What if they could also fight injustice, uplift your neighbor, and even bring joy to the world? Joy probably isn’t the first word that comes to mind when you think about investing, but maybe it should be. Robin John joins us today to share how investing can be more than financial—it can be deeply spiritual. Robin John is the CEO at Eventide Asset Management, LLC. Views expressed in this podcast are intended for information purposes and do not constitute investment advice. Eventide does not provide tax, accounting, or legal advice. Eventide's values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. There is no guarantee that any investment will achieve its objectives, generate positive returns, or avoid losses. A Life-Changing Encounter in India Robin was just 23 years old when his employer sent him to Pune, India, to support an outsourcing initiative. Although born in India, he had moved to the U.S. at the age of eight and was returning for the first time as a young professional. While staying in a guesthouse, he noticed two young men—Amal and Kamal—who took care of him daily, preparing meals and ironing his clothes. One evening, Robin asked where they slept and was shocked to learn they were sleeping on the hard floor of a hot, cramped pantry. “I had a beautiful air-conditioned room with extra space,” Robin recalled. “But they had no bed, no pillow, no blanket. And I looked just like them.” When he raised his concerns, he was told the guesthouse workers were not his company’s responsibility. That response, though typical in business, left Robin deeply unsettled. It pushed him into prayer, fasting, and a season of searching. He began to ask: “Is business just about profit? Or could it be something more?” From Disillusionment to a Renewed Mind Through time in Romans 12—“Do not conform to the pattern of this world, but be transformed by the renewing of your mind”—Robin experienced a major shift in perspective. He began to see that work, business, and investing could all be expressions of love for neighbor and tools for redemptive impact. That shift eventually led him, alongside his friend Dr. Finny Kuruvilla, to launch Eventide Asset Management—an investment firm with a bold mission: to invest in companies that make the world rejoice. What Makes a Company Worth Investing In? Eventide’s approach centers on one key question: Is this company doing good? They look for companies whose products are truly good and whose practices serve others well—employees, customers, supply chains, communities, even the environment. Investing is a form of ownership, and when we invest, we are rooting for that company’s success. But Eventide doesn’t just embrace the good—it also avoids the harmful. In the book, Robin likens harmful companies to dragons that lurk outside the village in ancient stories, threatening human flourishing. Companies profiting from gambling, addiction, or exploitation—like sports betting platforms—may look appealing on a spreadsheet, but Robin challenges us to consider their deeper impact. As Christian investors, we must ask: What are we promoting in the world? Are we fighting the dragons, or feeding them? Cultivating Goodness, Like a Garden From the very beginning in Genesis 1, we see that we are called to cultivate, to build, to bring about flourishing. Business and investing can be part of that calling. From companies developing cancer treatments to those honoring their truck drivers by ensuring they can sleep at home with their families, these are the stories of modern cultivation, and they’re the kinds of businesses Eventide champions. A Framework for Faith-Driven Investing Eventide’s “Business 360” framework reflects biblical values and centers on love for neighbor. It seeks to: Investors can explore two free tools at GoodInvestor.com: Portfolio Screening...

“A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.” - Proverbs 28:20 Powerball jackpots and scratch-off tickets might seem like a shortcut to financial freedom, but should Christians be buying in? Dr. David W. Jones returns to our financial ethics series today to help us think biblically about the lottery and whether it aligns with a life of faithful stewardship. 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. Quick Wealth vs. Steady Stewardship Proverbs 13:11 warns, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Hebrews 13:5 exhorts believers to “keep your life free from the love of money and be content with what you have.” These passages highlight the value of work, patience, and contentment—virtues that stand in direct contrast to the quick-fix allure of lottery winnings. The lottery promises flourishing without labor, but God’s design in Genesis 1 calls us to be co-creators with Him—to work, to produce, and to flourish through effort. Skipping that process isn’t just unwise—it violates God’s design for human flourishing. Is playing the lottery merely harmless entertainment? We should pay close attention to what our financial decisions reveal: Jesus taught, ‘Where your treasure is, there your heart will be also’ (Matt. 6:21). If someone regularly spends money on lottery tickets, it could point to deeper issues—discontentment, greed, or misplaced hope. Scripture reminds us in Proverbs 23:7, “As a man thinks in his heart, so is he.” Our actions—including how we spend—are often the most honest indicators of our spiritual condition. Entertainment or Exploitation? While scratching a ticket at a birthday party may seem harmless, there’s a big difference between a one-time event and a habitual lifestyle of gambling. And even if the act is permissible, that doesn’t make it wise (1 Cor. 10:23). We must also consider the industry behind the lottery. It preys upon the poor. Statistics show that the lowest-income Americans buy more than half of all lottery tickets, with some spending up to 6% of their income. In many ways, it functions like a regressive tax, taking from those who can least afford it. Some believers wonder whether it's ethical to accept scholarships or grants funded by state lotteries. Of course, there’s room for Christian liberty here. Some will choose to opt-out due to conscience. Others will recognize we live in a fallen world and may receive such benefits without directly participating in the system. Either way, we should be aware of what we're engaging with and remain open before the Lord. A Better Way to Flourish If you're feeling convicted, confess it to the Lord. ‘If we confess our sins, He is faithful and just to forgive us’ (1 John 1:9). And as with any area of struggle, don’t walk alone. Seek accountability and encouragement through your local church. Ultimately, the Christian life invites us to a different kind of richness—one rooted not in luck or chance but in trust and obedience. As Ecclesiastes 3:13 says, “Everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.” For more biblical insight on wealth and stewardship, pick up Dr. David W. Jones’s book Every Good Thing: An Introduction to the Material World and the Common Good for Christians, available 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)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear...

In C.S. Lewis’s The Lion, the Witch and the Wardrobe, Aslan tells Lucy, “Things never happen the same way twice.” It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. Sharon Epps joins us today with sage advice about preparing for life’s transitions. 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. Lessons from Narnia C.S. Lewis’s Chronicles of Narnia holds a surprising amount of wisdom for real life. In one poignant scene, Aslan comforts Lucy Pevensie about the changes she and her siblings are facing. “Things never happen the same way twice,” Aslan tells her. Change is constant, and each new season requires fresh wisdom. Even when we’re no longer in school, the rhythms of August to May still shape our lives and planning. When Life Goes Into Transition, Money Goes Into Motion Financial author Mitch Anthony says it best: “Money goes into motion when life goes into transition.” Whether you’re sending a child off to college, caring for aging parents, or planning a move, each change brings financial decisions with it. Here are five strategies to help us steward these moments well: 1. Pray for Wisdom Every new season needs fresh wisdom. You can learn the hard way through pain or the better way through prayer. Proverbs 3:6 reminds us: “In all your ways acknowledge Him, and He will make your paths straight.” 2. Seek Godly Counsel Learn from those who’ve been there. If you’re sending your first child to college, ask parents of graduates what they’d do differently. Their experience can save you time, money, and stress. 3. Plan the Financial Details of the Transition With college, for example, have you clarified who will cover living expenses? Will your child work part-time? Will you offer a monthly stipend? Define expectations now to avoid confusion later. 4. Prepare for the Unexpected Things rarely go according to plan. What if your child runs out of money mid-semester? Do you have an emergency fund? Thinking through these “what ifs” now builds resilience. 5. Communicate Ahead of Time Good communication brings clarity and accountability. Whether you’re dealing with a child, a spouse, or a realtor, the earlier you clarify financial expectations, the smoother the transition will be. These five practices are simple but powerful. They’ll help you stay grounded through every kind of life change. And remember, God doesn’t just care about what we go through—He cares about how we go through it. Let’s walk into our next season with prayerful wisdom, godly counsel, and 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 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 wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” — Proverbs 14:8 Today, we’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Rachel Petty, as we take a closer look at the Green temperament and how it influences our approach to money. 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. Rachel Petty is a valued member of Kathleen Edelman’s team and is our Green Temperament representative for this episode. What Are the Four Temperaments? The concept of temperaments dates back to Hippocrates, whom Galen followed in naming the four temperaments. Each temperament is a wiring we’re born with—more like eye color than personality—and it shapes how we communicate, relate, and even handle money. The four types are: Yellow (Sanguine):Red (Choleric):Blue (Melancholic):Green (Phlegmatic):Temperament is your innate wiring. Personality develops through life experiences, but temperament remains relatively consistent. Meet the Green: Introverted and People-Oriented Greens are known as “relationship glue”—calm in chaos, steady in presence, and always people-conscious. They’re inward processors, but also deeply relational. They are drawn to budgeting with others and long-term planning. They don’t like flashy risks or micromanaging. They prefer round numbers and fewer check-ins. Because Greens crave harmony, they might avoid financial conflict or decisions altogether. But with gentle encouragement and time, they become wise and thoughtful stewards. Strategies That Help Rachel offers practical tools for those who fall under the Green category or know somebody who does: Stay involved.Name what matters.Set deadlines.Greens thrive when respected and heard. Their insights are valuable—they just need time and space to process them fully. However, don’t pressure a Green. Invite them in gently and clearly. They want to contribute—they just need the right environment. The Innate Needs of a Green According to Kathleen, Greens have four core needs: Harmony –Lack of Stress –Feeling of Worth –Respect –When these needs are met, Greens are kind, steady, and confident. When ignored, they may retreat or procrastinate. For those in the Green category, take the time to understand what matters to you and lean into your steady nature. And for those in a relationship with a Green—give them time, space, and encouragement. There’s more going on than you might see. And remember this: if you are a Green, your calm is a gift. Advocate for yourself—peace sometimes requires courage. Your voice matters. Want More? If you've found this information valuable, make sure you don’t miss Kathleen’s latest article on temperaments, featured in the newest issue of Faithful Steward magazine. This quarterly publication is a special resource we send to our FaithFi partners—those who support the ministry at a monthly rate of $35 (or more) or an annual rate of at least $400. To become a partner and receive your copy, along with other exclusive benefits, just visit FaithFi.com/Give. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom 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)...

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...