Faith & Finance

Giving Tuesday has become a global moment to celebrate generosity. But for believers, it can be much more than a once-a-year opportunity to give. It can become a catalyst to cultivate a lifestyle of intentional, joy-filled stewardship all year long. Today, we explore how to give with both heart and wisdom—so that our generosity reflects God’s purposes, not merely the moment. Joining the conversation is Al Mueller, founder and CEO of Excellence in Giving and former executive with Morgan Stanley and UBS. Beyond the Moment: What Giving Tuesday Really Represents For Al Mueller, Giving Tuesday is more than a charitable trend—it’s an invitation. “Giving Tuesday is a great opportunity to begin acting on generosity,” he says, “but it’s also a moment to pause and align with God’s purposes.” Al reminds us of Paul’s words in 2 Corinthians 9:7: “Each one must give as he has decided in his heart… for God loves a cheerful giver.” In other words, generosity is more than an impulse. It is an act of worship. Giving Tuesday can be a spark, but intentional stewardship is the flame that keeps burning throughout the year. Al summarizes biblical giving with a simple idea: “God gave us both a head and a heart—He didn’t say pick one.” Wise stewardship holds both together: heartheadStewardship looks at the Kingdom outcomes we long to see and asks how we can best contribute to them. Some giving is planned, some spontaneous—but all of it can be intentional. Helping Donors Give With Excellence At Excellence in Giving, Al and his team equip high-capacity givers—often those giving $1 million or more annually—to make well-informed, impactful decisions. They offer research, due diligence, and accountability that help donors shift from reactive to proactive giving. But these principles, Al emphasizes, are not reserved for the ultra-wealthy. “Everyone can do their own homework,” he says. “Everyone can ask good questions. Everyone can give intentionally.” Whether you’re giving $50 or $50,000, evaluating ministries wisely matters. Al recommends starting with three core questions: Healthy ministries provide clear reporting, measurable outcomes, and transparent leadership. They welcome questions and view accountability as part of discipleship. Key indicators to review include: Strong ministries don’t hide their results—they celebrate them. Red Flags: When to Think Twice Just as there are markers of strong ministries, there are warning signs that should prompt caution: Al calls vague visions “ministry hallucinations”—dreams without blueprints. Just as you wouldn’t build a house without plans, you shouldn’t fund ministry without clarity. A Growing Trend: Collaborative Giving One of the most exciting developments in philanthropy today is collaborative giving—donors pooling resources to make a larger, more strategic impact. Pooling resources: “This model lets donors and ministries accomplish something bigger together,” Al explains. No donor wants to micromanage, and no ministry seeks to be controlled. But accountability doesn’t mean control—it means clarity. Al puts it this way: “Accountability is information given, not control taken.” Trust grows when ministries offer clear plans, measurable results, and honest reporting—what Al calls “a form of blessing” to donors. The Next Generation of Givers Younger donors give differently than their parents do. They are: Al believes this next generation will reshape Christian generosity—mainly as significant wealth transfers occur in the coming decades. Al concludes with a powerful insight: there is a meaningful difference between being generous and being a steward. In the first century, a steward managed the household, finances, and fields on behalf of the master. The steward’s job was simple: to know the heart of the master and act accordingly. Stewardship today means: “Well done, good and faithful servant.”Generosity is beautiful—but stewardship is a calling. Growing in Intentional...

The holidays are meant to be a season of joy, generosity, and gratitude. Yet for many families, the celebrations come with a heavy dose of financial stress—stress that lingers long after the decorations are packed away. Our desire to bless others often leads to spending more than we planned. But it doesn’t have to be that way. Recently, we sat down with Neile Simon, Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors, to talk about how families can give meaningfully, stay within their means, and refocus on what Christmas is truly about. Creating a Realistic Holiday Plan Most people enter the holiday season with the best of intentions. We want to show love, bless others, and create special memories. But somewhere along the way, those intentions can derail. Neile explains that a mix of cultural pressures makes overspending almost effortless: holiday sales, credit card offers at checkout, “buy now, pay later” deals, and social media’s endless highlight reels. Before long, the drive to be generous morphs into the belief that we must spend more to prove how much we care. And the consequences last far beyond December—financial stress, increased debt, and a January filled with regret rather than joy. The good news: overspending isn’t inevitable. Neile suggests starting early and planning intentionally. 1. Decide what you can truly afford. Account for all holiday expenses—gifts, food, travel, entertainment, and even small traditions that add up. 2. Set a total spending limit. Let this number guide every decision throughout the season. 3. Use cash or debit when possible. “When the money’s gone, you’re done—and that’s okay,” Neile says. This simple boundary protects you from impulse spending. 4. If using credit cards, treat them as tools—not the enemy. Used wisely, they can help you track your spending. The key is to stay disciplined and avoid taking on debt you can’t comfortably repay. Ultimately, a budget is not a restriction—it’s a path to freedom. It helps you enjoy the season without dreading the bill that arrives in January. Meaningful Giving Without Overspending Generosity isn’t measured by price tags. In fact, the most meaningful gifts are often the simplest. Neile encourages families to focus on personal, relational giving: Her own family keeps gift-giving fun by setting spending limits and doing a white-elephant exchange. “It takes the pressure off,” she says, “and turns gift-giving into shared laughter and memory-making.” When togetherness becomes the priority over possessions, Christmas becomes both more joyful and more affordable. If You’re Already in Debt, There’s Hope For families already carrying debt, Christmas can feel like a tug-of-war between generosity and financial reality. Neile offers this encouragement: give within your means—even if it means scaling back. Why? Because responsible giving protects your finances, your peace, and your future. “Think of it this way,” Neile says. “A relaxed, stress-free January is far better than stressing out after overspending in December.” Scaling back isn’t failure—it’s stewardship. And it models wisdom and faithfulness for your children. Refocusing on the True Meaning of Christmas Amid the lights, the gifts, and the traditions, it’s easy to lose sight of the heart of Christmas. “Christmas is a celebration of Jesus—the greatest gift ever given,” Neile reminds us. When our hearts are centered on Him, love and grace become the focus. Giving within our means allows us to celebrate joyfully, gratefully, and peacefully. And when we spend with purpose—anchored in Christ rather than consumerism—we experience a kind of joy that lasts long after the season ends. Need Help With Debt? If financial stress is weighing you down, Christian Credit Counselors can help. As a nonprofit ministry, they specialize in debt management—not debt consolidation—working directly with your creditors to lower interest rates and help clear...

“We love because He first loved us.” — 1 John 4:19 Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don’t start by giving—we start by receiving. In this spirit, Sharon Epps, President of Kingdom Advisors, joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like. Women Who Supported Jesus Luke 8 opens with a glimpse into Jesus’ ministry on the move: “Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.” — Luke 8:1–3 These women formed part of Jesus’ traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources. Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod’s household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation. Receiving Always Comes Before Giving Before Joanna gave to Jesus, she received from Jesus. Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus’ ministry. It reminds us that money alone can’t solve the deepest problems of the heart. We all begin our stewardship journey by receiving. At the most basic level, every good thing in our lives is a gift from God: As Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing. Giving, then, is designed to be a response—a natural overflow of gratitude. Joanna’s Love for Jesus Joanna’s story doesn’t end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus’ words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles. Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life. Generosity as a Journey Sharon suggests that generosity is never a one-time event—it’s a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love. To make this practical, Sharon shared three questions she’s been asking herself—questions all of us can ask: 1. What do I need to recognize as a gift from Christ before I can give generously? Do I see what’s in my hands as mine—or as His? 2. Is my giving safe or sacrificial? Does my generosity reflect comfort… or love? 3. What does my current giving say about how well I’ve received? Giving reveals the condition of the heart. These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving. Becoming Conduits of Christ’s Love Joanna’s life encourages us to see generosity not as a duty but as a joyful response to God’s grace. As Sharon put it, her prayer—and ours—is to “receive so well that we become conduits of Christ’s love through generosity.” May we, like these remarkable women, offer our resources, time, and lives with open hands—recognizing that every gift we give begins with the gift we’ve already received in Christ. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine...

Happy Thanksgiving! As you gather with family and friends today, we hope your hearts are filled with gratitude to God for His many blessings. While Thanksgiving is a treasured tradition for us, its roots stretch back more than 4 centuries. Who gathered at that first feast in 1621? Why were they there? And what exactly were they giving thanks for? Let’s take a closer look at the remarkable story of the Pilgrims—one of enduring faith, sacrifice, and God’s gracious provision. Who Were the Pilgrims? Most of us learned in grade school that the Plymouth Colony—located in present-day Massachusetts—was founded in 1620 by a group we know as the Pilgrims. These settlers, also called Separatists, longed to break away entirely from the Church of England, believing it had drifted from biblical teaching. Their commitment to worship according to Scripture set them on a courageous journey toward religious freedom. Nearby, the Puritans would establish the Massachusetts Bay Colony in 1630. While they shared many beliefs with the Pilgrims, their approach differed. The Puritans remained within the Church of England, seeking to reform it from within. Though their strategies diverged, the stories of these two groups are deeply intertwined in the early chapters of American history. The Pilgrims faced significant persecution in England for worshiping outside the established church. Holding fast to the Bible as their ultimate authority made them targets. In 1609, seeking refuge, they fled to Leiden, Holland. Yet even there, challenges persisted—some were arrested, and the freedom they sought still felt out of reach. Recognizing Europe would not offer the spiritual liberty they longed for, they made a bold and costly decision: to sail to the New World. About 120 men, women, and children boarded the Mayflower. While some passengers—known as “adventurers”—joined the voyage for economic opportunity, the Pilgrims’ primary aim was clear: to worship freely and build a life rooted firmly in their faith. Hardship Upon Arrival Their journey across the Atlantic was long and brutal. Delays meant they arrived in November—not summer—leaving no time to plant crops. That first winter, remembered as “the starving time,” was devastating. Nearly half the group died from disease and lack of food. Still, in God’s providence, the Pilgrims formed a gracious relationship with local Native Americans. A Native American named Squanto—who had learned English years earlier—became a critical ally. He taught them how to plant corn, where to fish, and how to survive in an unfamiliar land. His guidance helped bring the colony through that difficult first year. With Squanto’s help, the Pilgrims planted crops in the spring of 1621 and harvested enough that fall to sustain their small community. To honor God for His provision, they invited their Native American neighbors to join them in a feast of thanksgiving. By that point, only 22 men, four married women, and 25 teenagers and children remained from the original group. Their guests nearly doubled the gathering, bringing food and friendship—resulting in what may have been America’s first potluck meal. Together, they celebrated survival, provision, and the kindness of God expressed through unexpected relationships. A Legacy of Faith Years later, Plymouth’s longtime governor, William Bradford, reflected on their experience in Of Plymouth Plantation, quoting Hebrews 11:13–16 to describe the Pilgrims’ faith: “All these people were still living by faith when they died… They were looking for a country of their own… longing for a better country—a heavenly one. Therefore God is not ashamed to be called their God, for He has prepared a city for them.” For the Pilgrims, this passage captured the heart of their journey. They understood that their true home was not a piece of land or a colony—they belonged to God. Their courage, perseverance, and gratitude were expressions of that eternal hope. As we celebrate Thanksgiving today,...

Raising children to navigate money wisely is about far more than dollars and cents. It begins with shaping their hearts, grounding their identity in Christ, and helping them understand the true source of their worth. As parents and mentors, we all want the next generation to develop a biblical foundation for both money and identity—because the two are more connected than we often realize. Today, Brian Holtz, CEO of Compass Financial Ministry, joins us to share insights from a new resource designed to help families do exactly that. Right From the Start targets a key age group—kids 11 to 15—who are forming lifelong beliefs about God, themselves, and the world. Why Middle School Matters So Much According to Brian, this project was born out of recognizing a real discipleship gap. Plenty of resources exist for young children and high schoolers, but middle schoolers often fall between the cracks. Yet this is the stage when they’re actively forming their worldview—including their beliefs about money, success, and identity. Right From the Start helps students discover that their value is rooted in being made in the image of God—not in what they own, how popular they are, or how well they perform. This biblical truth becomes the foundation for every financial principle they learn. Six Themes to Form Faith and Finances The study covers six core chapters: Each topic is presented through a biblical lens and paired with hands-on activities, daily lessons, memory verses, and “life hacks”—simple, practical challenges that help students put truth into action. The goal, Brian shared, is to make faith and finances personal, relevant, and fun. Helping Students Understand Their Identity in Christ The very first chapter lays the theological foundation. Students read passages like Genesis 1 and Psalm 139 to understand that they are created intentionally, lovingly, and wonderfully by God. Their worth does not rise or fall with their circumstances. Once children grasp this truth, giving, saving, and spending stop being merely financial tasks. They become acts of worship—ways to honor the God who made them. Turning Principles Into Habits: A Look at the “Life Hacks” One of the most beloved activities is the simple “three jars” method. Students divide the money they earn or receive into: This visual, tactile tool transforms abstract concepts into daily habits. Parents particularly love it because it creates space for conversations about generosity, gratitude, and wise choices. How Families and Churches Can Use This Resource Right From the Start is designed for flexibility. It works well: A student book and a leader’s guide make it accessible for parents, teachers, and ministry leaders alike. And while it fits naturally around the holiday season—when spending pressure ramps up—it can be used any time of year. Why Modeling Matters Most Howard Dayton often said parents should seek to be “MVP parents”—Modeling, Verbalizing, and Practical Application. Brian agreed that “more is caught than taught.” Kids need to see generosity lived out, hear why we handle money the way we do, and have opportunities to practice it themselves. Brian shared one practice from his own home: allowing kids to make real financial decisions with real consequences. If they choose to buy a treat today, they may not have money for something they want tomorrow. That gentle exposure to cause and effect builds wisdom, gratitude, and maturity. The Greatest Financial Lesson You Can Teach Helping your children understand who they are in Christ may be the most valuable financial lesson they will ever learn. A secure identity shapes how they give, save, spend, and steward their resources for the rest of their lives. To learn more about Right From the Start and how to bring it into your home or ministry, visit CompassFinancialMinistry.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a...

Most of us think of generosity as a sacrifice—something that costs us. But what if giving is actually one of the wisest, most joy-producing ways to live? When we open our hands, God not only blesses others through us—He transforms us in the process. That idea lies at the heart of Chip Ingram’s book The Genius of Generosity, and it’s why we were grateful to welcome him to the program. Chip is the founder, teaching pastor, and CEO of Living on the Edge, a discipleship ministry helping believers live like Christians every day. A Story That Changes Everything Chip’s understanding of generosity was forever shaped by a man named John—a seventy-year-old accountant who invited Chip, then a young pastor, to lunch one day. After the meal, John handed him a small white box. Inside was a checkbook labeled Pastor’s Discretionary Fund. John said, “Chip, here’s what I’d like you to do. Carry this checkbook with you every day. Anytime you see a need that Jesus wants to meet—or that you think I’d want to help with—write a check.” Chip was stunned. He barely knew how to manage his own finances, let alone someone else’s. But John invited him back three times each year to review every check. And so Chip began paying attention to needs around him—fueling a single mom's car, providing groceries for a struggling family, restoring electricity for another. Over time, something unexpected happened: eagerYears later, Chip realized the deeper lesson: What John did for him is what God does for all of us. We manage resources that are not ours. We steward what belongs to the King. That realization became the seed for The Genius of Generosity. Why Generosity Is More Than a Virtue Chip told me that generosity didn’t just change his financial habits—it changed his life. He began seeing giving as an adventure. He describes generosity as a “gateway to intimacy with God,” a doorway into deeper trust and joy. The more he gave, the more he saw God show up. And interestingly, secular research agrees. Chip noted that even if the Bible didn’t exist, studies consistently show: Why? Because generosity is a creative, life-giving act. It aligns us with how God designed the world. Generosity Connects Us—to God and to Others Jesus taught that wherever our treasure goes, our hearts follow. So every act of giving is spiritual formation. It’s discipleship. And generosity builds unexpected bonds with others. Chip shared the story of a homeless man he saw regularly at a bagel shop. For months, the man never responded to Chip’s greetings. One morning, Chip quietly bought him a coffee and a bagel. Minutes later, the man spoke—opening up about his life, his experiences, even pointing out the rare appearance of Venus in the sky. A simple act of kindness became the doorway to relationship and transformation. These moments, Chip says, are all around us if we have “our antenna up and our eyes off our phone.” Chip also told a story of a moment when God prompted him to give a six-figure gift—an amount he didn’t feel he had. The Lord reminded him, “Do you think I can’t replenish what you give?” Over the years, Chip has seen God refill what he gives away again and again, sometimes miraculously. That’s the adventure of generosity: you can’t out-give God. What If You Feel Like You Have Little to Give? Chip’s encouragement is simple: “Start small. It’s your view of God that needs to change, not your circumstances.” You don’t wait until you’re wealthy or “more spiritual” to begin giving. You practice generosity today—right where you are—and watch God grow your heart. The Genius of Generosity In the end, generosity is not about losing. It’s about gaining—freedom from fear, deeper trust in God, richer relationships, and greater joy. When we give, we reflect the heart of the ultimate Giver. We discover that everything we have belongs to God—and that He delights to pour His blessings through open hands. To learn more about Chip Ingram and The Genius of Generosity, visit...

One of the clearest signs that God has changed a person’s heart is generosity. Scripture makes it plain: giving isn’t merely an act—it’s a reflection of God’s own character. As believers, we give not because we have to, but because God has given richly to us. Today, we explore what the Bible says about generosity and highlight timeless wisdom from Christian voices throughout history. Their words still inspire us today to give joyfully, sacrificially, and with hearts shaped by the gospel. A Biblical Vision of Generosity The Bible paints a sweeping picture of generosity—one that reaches far beyond financial giving. Generosity Begins with Compassion Jesus taught, “Whoever has two tunics is to share with him who has none, and whoever has food is to do likewise.” Generosity starts with seeing the needs right in front of us and responding with compassion, humility, and love. Giving Flows from the Heart The apostle Paul reminds us that our gifts should reflect the posture of our hearts: “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” Generosity isn’t measured by the amount of money given, but by the joy, gratitude, and trust behind it. Generosity Reflects God’s Character Psalm 112 connects generosity to righteousness itself. Giving is not just something Christians do—it becomes part of who we are when our lives are aligned with God’s heart. Timeless Christian Wisdom on Giving Throughout the centuries, believers have wrestled with what it means to give faithfully. These quotes reflect deep biblical conviction and continue to encourage us today. C. S. Lewis “I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare.” Lewis reminds us that generosity stretches us—it costs something. Yet in that stretching, God grows us. John Wesley “Do all the good you can, by all the means you can…as long as ever you can.” Wesley captures the spirit of a life poured out for God: comprehensive, intentional, and relentless generosity. A. W. Tozer “Any temporal possession can be turned into everlasting wealth. Whatever is given to Christ is immediately touched with immortality.” Our giving invests in eternity, turning temporary resources into lasting treasure. Billy Graham “Tell me what you think about money, and I will tell you what you think about God… A man’s heart is closer to his wallet than anything else.” Graham’s words challenge us to consider how closely our financial decisions reveal our spiritual values. Evelyn Underhill “The spirit of adoration is the spirit of generosity, for worship is giving.” True generosity flows out of worship—a recognition that everything we have is a gift from God. Randy Alcorn “Giving affirms Christ’s lordship. It dethrones me and exalts Him.” Giving reorders our priorities. It loosens our grip on earthly security and strengthens our trust in Christ. St. Augustine “Charity is a virtue which…unites us to God, for by it, we love Him.” For Augustine, generosity wasn’t just an action—it was spiritual formation. Amy Carmichael “You can give without loving, but you cannot love without giving.” Our giving is evidence of Christ’s love alive in us. St. Paula of Rome “The more we give to Christ, the more we possess Him.” Generosity deepens our fellowship with Christ, reminding us that He is our true treasure. Jesus Christ When sending His disciples, Jesus said: “Give as freely as you have received.” (Matthew 10:8) All Christian generosity begins here—in response to His grace. Giving as a Reflection of the Gospel When we give, we echo the heart of the ultimate Giver. Jesus held nothing back—not even His own life. Generosity isn’t defined by the size of the gift but by the surrender of the heart. Every act of giving becomes a small reflection of the love of Christ in us. At FaithFi, we’re committed to helping you integrate your faith and finances...

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,...