Faith & Finance

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

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

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

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

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

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

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

When you buy something, it’s a simple transaction—money goes out, and something tangible comes back in. But giving is different. Scripture tells us that when we give, we also receive—but not always in the way we expect. The return God promises isn’t measured in bank balances or possessions. It’s measured in freedom, joy, and purpose. Many people hear the phrase “give to receive” and imagine a divine transaction: give to God or others, and blessings—perhaps even financial—will return. But biblically, generosity is never a get-rich scheme. It’s an invitation to live the kind of life God designed for us—a life marked by open hands and open hearts. God’s Kingdom Is Not a Vending Machine Some interpret verses like Luke 6:38 (“Give, and it will be given to you”) as a spiritual formula: “If I give, God owes me something.” But this is a distortion of Jesus’ teaching. God isn’t running a cosmic vending machine where our dollars purchase His favor. Instead, He invites us to live differently—to find life not in what we keep but in what we release. If money itself were the ultimate reward, God would be reinforcing the very idol He seeks to break in our hearts. Jesus reminds us in Luke 12:15, “One’s life does not consist in the abundance of possessions.” That truth echoes through every page of Scripture: generosity is not about loss—it’s about liberation. What We Actually Receive When We Give So, if giving isn’t transactional, what does Scripture say we receive in return? The Bible highlights three beautiful gifts that generosity brings. 1. We Receive Freedom Money has a unique power to capture our hearts. Jesus warned, “You cannot serve God and money” (Matthew 6:24). Every act of generosity is a declaration of allegiance: we are not owned by our wealth. Giving loosens money’s grip and frees us to serve a greater Master. 2. We Receive Joy In Acts 20:35, Paul quotes Jesus saying, “It is more blessed to give than to receive.” True joy doesn’t come from what we accumulate—it comes from participating in God’s generosity. John Bunyan put it this way: “You have not lived today until you have done something for someone who can never repay you.” 3. We Receive Purpose When we give, we join God’s mission in the world. Paul writes in 2 Corinthians 9:11, “You will be enriched in every way to be generous in every way.” The goal isn’t self-enrichment—it’s being a conduit of blessing. Generosity connects our story to God’s story, reminding us that every resource we have is meant to reflect His generous heart. Giving Flows from Grace If we’re honest, our motives for giving can become mixed. We might give to feel good, earn approval, or to gain favor with God. But the gospel frees us from all of that. Ephesians 2:8–10 makes it clear: we’re saved by grace, not by works. Our generosity is not a means of earning God’s love—it’s a response to already having it. Once we understand that truth, giving transforms from obligation into worship. We don’t give to get something back. We give because we’ve already received everything in Christ. At the center of our faith stands Jesus—the One who gave everything. Paul captures it beautifully in 2 Corinthians 8:9: “For you know the grace of our Lord Jesus Christ, that though He was rich, yet for your sake He became poor, so that you by His poverty might become rich.” Jesus didn’t give to gain something for Himself. He gave because of love. Through His sacrifice, we received reconciliation with God and eternal life in His Kingdom—riches far beyond material wealth. When our giving mirrors His, our motivation becomes love, not return. And in that kind of giving, we experience the true riches of life in Christ. Living With Open Hands Even when generosity brings blessing, the return is never shallow or predictable. We don’t give to multiply our possessions—we give to multiply love, freedom, and trust. Every act of giving draws us deeper into God’s life—freeing us from greed, filling us with joy,...

Did you know that over the next two decades, trillions of dollars will pass from one generation to the next? The question is—what kind of legacy will that transfer leave behind? Today, Boyd Bailey joins us to talk about how generosity is about more than dollars—it’s about discipleship, financial literacy, and passing on wisdom along with wealth. Boyd Bailey is the President of the National Christian Foundation (NCF) in Georgia, an underwriter of Faith and Finance. He is also the author of several books, including his latest, The Power of Generosity: Experiencing God's Amazing Abundance – How to Change the World Through Acts of Kindness. What Makes NCF Unique Founded in 1982 by Larry Burkett, Ron Blue, and Terry Parker, the National Christian Foundation (NCF) has helped mobilize over $21 billion for more than 90,000 charities and ministries worldwide. From the beginning, NCF has understood that when you carry Christian in your name, you also carry a sacred responsibility. Their mission is to walk alongside believers—to help them make the most of what God has entrusted to them—and they always start with the heart. Before discussing strategy, NCF encourages donors to discern God’s call on their generosity through prayerful consideration. Only after that heart work do they explore practical tools—how to give wisely, save on taxes, and maximize Kingdom impact. One of NCF’s most effective tools is the Giving Fund, a type of donor-advised fund that functions like a “charitable checking account.” Even with limited tech experience, you can open a Giving Fund online in less than a minute. It makes giving spontaneous and simple—whether you’re inspired at a church service or a fundraising dinner. But convenience isn’t the goal—discipleship is. Many families establish Giving Funds for their children, helping them embark on their own journey of generosity. And NCF encourages creative giving, too—through appreciated stock, real estate, or even a business interest—allowing donors to give more while paying less in taxes. Generosity and Wise Stewardship Stewardship and generosity aren’t opposites—they’re two sides of the same coin. Stewardship manages what God provides; generosity releases it for His purposes. Without generosity, stewardship is incomplete. As Paul writes in 1 Timothy 6:17–18, believers are to “put their hope in God, who richly provides,” and to “be rich in good deeds.” Generosity, then, isn’t just about giving—it’s about protecting our hearts from the idols of wealth and security that compete for our devotion. For those struggling to give during uncertain times, it helps to broaden the definition of generosity. It’s not limited to money—it also includes time, attention, and hospitality. Still, fear and busyness often prevent families from discussing giving or wealth transfer. The best approach? Plan early. Invite everyone. Don’t go it alone. Bring in a trusted advisor or friend to help facilitate the conversation. Why wait until after you’re gone for your kids to experience the joy of giving? Use your influence now to model Kingdom-minded generosity. A Simple Way to Start As year-end approaches, consider whether an NCF Giving Fund could help you take your next faithful step in generosity. It’s simple to set up, easy to use, and profoundly impactful for both you and those you bless. To learn more—or to open your own Giving Fund—visit FaithFi.com/NCF. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)The Power of Generosity: Experiencing God's Amazing Abundance – How to Change the World Through Acts of Kindness by Boyd BaileyExperian BoostWisdom 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...

Did you know your financial advisor can actually help you invest in ways that reflect your faith? Advisors do more than just help you hit financial targets—they can also guide you in making a lasting impact with your investments. Today, Josh Bean joins us to share how to start the conversation about faith-based investing. Josh Bean is the National Sales Manager for Praxis Investment Management, an underwriter of Faith & Finance. 25 Years of Change in Faith-Based Investing About 25 years ago, Praxis conducted its first major study on faith-based investing. This year, they decided to revisit that research and see how investor attitudes have evolved. Partnering with Bellomy Market Research, the Praxis team surveyed over 1,000 individual investors and 400 financial advisors to explore the motivations, opportunities, and concerns surrounding faith-aligned portfolios. The exciting part is that the results confirmed what they’ve believed all along: people genuinely want to align their investments with what matters most to them. You can explore the full report at PraxisInvests.com/FaithBasedInvesting. According to the study, nearly half of all investors—48%—have already aligned their portfolios with their faith or are interested in doing so. What’s striking is that this number encompasses all investors, not just those with a religious background. People see investing as more than performance—it’s about purpose. They want their portfolios to reflect their convictions. The Advisor Gap: 78% Want Guidance, But Only 9% Are Asked Perhaps the most surprising finding is the communication gap between clients and advisors. 78% of investors said it’s important for their advisor to discuss faith-aligned options, but only 9% of advisors say they actually bring it up. That gap is one of the biggest barriers to growth. Investors are eager. Advisors often just don’t know how to start the conversation. That’s where firms like Praxis can help bridge the gap. One reason some advisors hesitate? The lingering myth that values-driven investing means sacrificing returns. That’s just not the case anymore. At Praxis, they aim for benchmark-like returns through diversified, optimized portfolios. They screen out approximately 15% of companies that don’t align with their values and incorporate positive impact strategies—all while closely tracking performance. This approach isn’t just about numbers—it’s about stewardship. In the Parable of the Talents, Jesus commends the faithful servants who wisely managed what they were given. That’s our model—faithful stewardship with Kingdom impact. An Expanding Landscape of Faith-Based Options Faith-based investing has come a long way. What once seemed niche now includes mutual funds, ETFs, and multi-fund portfolios that reflect a range of Christian values and causes. Investors today can build diversified, competitive portfolios entirely within the faith-based space. There are more options—and better tools—than ever before. Among those tools are screening systems that allow investors to exclude companies that conflict with biblical values or to include those that make a positive social or environmental impact. Taking the First Step: Talk With Your Advisor For those new to this space, start the conversation. Ask your advisor, Can my faith be reflected in my investment strategy? That one question could open the door to an entirely new way of stewarding your money. To help, Praxis has created a free Faith-Based Investing brochure, available at PraxisInvests.com/FaithBasedInvesting. It provides practical guidance on initiating faith-aligned conversations with your financial advisor. And if you’d like to find a Certified Kingdom Advisor who specializes in Faith-Based Investing, you can visit FindACKA.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Praxis Investment ManagementReport on Faith-Based...

For many people, contentment feels just out of reach—always tied to the next raise, the next purchase, or the next season of life. Yet Scripture calls us to something deeper and more lasting: a contentment that doesn’t depend on circumstances but rests in Christ Himself. Psalm 23 begins with a stunning declaration: “The Lord is my shepherd; I have all that I need.” — Psalm 23:1 (NLT) David’s words remind us that contentment doesn’t come from acquiring more but from trusting the One who provides. Just as sheep rest securely under the care of their shepherd, we can rest in God’s faithful provision. True contentment isn’t about suppressing desire—it’s about redirecting it. When we find sufficiency in Christ rather than in money, possessions, or achievements, we’re freed from the trap of covetousness and anchored in the truth that in Him, we already have all we truly need. The Ancient Lie of Discontentment Discontentment has plagued humanity from the beginning. In Eden, Adam and Eve had everything they needed, yet the serpent’s lie convinced them they lacked something essential. Discontentment still whispers, “God is holding out on you—you’d be better off if you had more.” Today, that same voice is amplified through advertising, social media, and cultural comparison. We scroll through highlight reels and feel our lives don’t measure up. But Hebrews 13:5 offers the antidote: “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.’” The cure for discontentment isn’t having more—it’s remembering that God is always with us. The Freedom of “Enough” Contentment is not resignation—it’s liberation. It frees us from envy, overspending, and the crushing weight of comparison. Instead of striving endlessly for more, we learn to steward wisely what God has entrusted to us. Proverbs 30:8–9 captures this balanced perspective beautifully: “Give me neither poverty nor riches; feed me with the food that is needful for me…” The wise steward seeks enough—not excess. When we live this way, our financial decisions change. We spend with purpose. We give with joy. We save with peace. Contentment reorients money from being our master to being a tool for God’s Kingdom. Think of the widow of Zarephath in 1 Kings 17. With only a handful of flour and a little oil left, she faced famine. Yet when Elijah asked her to make him a cake first, she trusted God’s word—and He provided, not with overflowing barns, but with daily sufficiency. Or consider the Macedonian believers in 2 Corinthians 8. Paul wrote, “In a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity.” Despite having little, they gave with glad hearts because their contentment was in Christ, not in their circumstances. These examples remind us that contentment and generosity often go hand in hand. When we are satisfied in Christ, we’re free to bless others. Trusting the God Who Provides At the heart of contentment is trust. Jesus said in Matthew 6:25–26, “Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?” Contentment flows from believing that God knows what we need and delights to provide for His children. As Elisabeth Elliot once wrote, “The secret is Christ in me, not me in a different set of circumstances.” When Christ becomes our treasure, everything else finds its proper place. That’s why Paul could say in 1 Timothy 6:6: “Godliness with contentment is great gain.” Contentment isn’t a loss—it’s true gain. It’s the kind of wealth no market downturn can erase and no thief can steal. Choosing contentment doesn’t mean settling for less; it means resting in the sufficiency of Christ. When we stop chasing “more” and start trusting God’s daily provision, we discover freedom, peace, and joy. That’s...

Money and marriage—two things God designed to bless us, but they can also be two of the greatest sources of stress. What if we turned financial conflict into connection? Dr. Shane Enete joins us today to share six creative ways couples can build stronger relationships by having intentional financial conversations—what he calls “money dates.” Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy. Why You Need to Talk About Money—Intentionally Many couples avoid conversations about money out of fear. A study of 2,000 couples found that half of them were uncomfortable discussing money because they worried it would lead to conflict. The irony is that by avoiding those talks, the conflict only deepens. On average, couples argue about money 58 times a year. But what if, instead of waiting for issues to flare up, you set aside regular time to talk about your finances together—proactively and prayerfully? That’s the heart behind the idea of money dates. You might have to rip off the bandage at first, but we want to help couples make these conversations not just necessary—but enjoyable. Turning Financial Talks Into Dates These aren’t meant for finger-pointing but for course correction—a time to realign your financial goals with your values. But also, why not make it a date? Dating can be a lot of fun if you’re intentional. So why not combine something enjoyable with something that’s often uncomfortable? When you connect in a fun environment, even money talk becomes more meaningful. The key is consistency. Whether it’s over dinner, coffee, or a quiet walk, having a regular rhythm of financial connection helps you stay on the same page as a couple—and deepens your trust. Money Date #1: Share Your Money Story Every person brings a financial backstory into marriage—habits, fears, and attitudes shaped by family and early experiences. Think of it as your money autobiography. Reflect on what you learned about money growing up, what messages you received from your parents, and how those experiences influence your decisions today. Take your spouse out for dinner and share those stories. You’ll gain empathy and understanding for each other’s perspectives. When you know your partner’s money story, their spending or saving habits make a lot more sense. Try this: Ask each other, “What’s your earliest memory of money?” The answers may surprise you—and bring you closer. Money Date #2: Give Together Generosity is one of the most unifying acts a couple can experience. Here are a few ways to make generosity a shared journey: Set a giving goal.Join a giving circle.Create a stretch goal.These conversations shift the focus from money as a source of stress to money as a means of Kingdom impact. Money Date #3: Cook the Books This one’s both literal and figurative! Instead of going out, stay home and cook a meal together—or grab takeout for a picnic. Use the relaxed environment to talk about your budget rhythm: The FaithFi app can help simplify this process. It lets couples track giving, spending, and saving all in one place—while keeping biblical wisdom at the center. Money Date #4: Check Your Credit (at the Spa!) Debt can carry emotional weight, so create a peaceful setting for this conversation. A spa day is perfect. It’s relaxing—and you can often find affordable day passes. While you unwind, discuss: This isn’t about blame. It’s about caring for each other and agreeing on a plan that both of you believe in. Money Date #5: Number Your Days This one takes its inspiration from Psalm 90:12: “Teach us to number our days, that we may gain a heart of wisdom.” Couples should view estate planning as an act of love. When you prepare a will, name a guardian, or establish a power of attorney, you’re doing something deeply selfless—caring for others even...

Money is never just about dollars and cents. It’s a window into our hearts, a test of our faith, and even a testimony to the world. Few people have taught that truth more faithfully than Ron Blue. Today, he’ll share lessons from his own journey—from Wall Street to biblical stewardship—and explain how our approach to finances transforms us and our relationships with others. 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. From Wall Street to Biblical Wisdom Ron began his career on Wall Street, later founding his own accounting firm and advising countless entrepreneurs and professionals. But everything changed when he became a Christian and encountered the teachings of Larry Burkett and Howard Dayton. He came to realize that everything that worked in the financial world had its roots in biblical wisdom. For more than forty years, he’s witnessed God’s redemptive work through money—seeing firsthand how financial decisions reveal the heart and become a powerful entry point for spiritual growth. As the late Billy Graham once said, “When you get your attitude about money right, the rest of life tends to fall into place.” Money Reveals the Heart Ron often quotes Larry Burkett’s insight that how we handle money is one of the clearest indicators of our spiritual life. Every purchase, every act of giving, every financial habit reflects what—and whom—we trust most. The first and most foundational lesson Ron has seen believers embrace is this: God owns everything. Once that truth takes root, everything changes. We move from ownership to stewardship, from anxiety to contentment, from control to trust. Those who live as stewards tend to develop an eternal perspective—knowing where their true security lies. When couples discuss money openly within that framework, communication strengthens and unity deepens. Money becomes not a barrier but a bridge to a deeper connection. Learning How Much Is “Enough” One of Ron’s signature teachings centers on answering the question: How much is enough? Defining financial “finish lines” for lifestyle and accumulation frees believers from endless striving. It helps them determine when to give more, save less, and live joyfully within God’s provision. From a worldly view, enough is never enough—but from God’s view, it is both possible and freeing. When we truly believe that God owns everything, our financial goals shift. We seek margin—the space to give, serve, and respond to God’s call. Money itself isn’t the goal—it’s a tool to accomplish God’s purposes. Whether it’s how we educate our children, give to ministry, or plan for the future, the question becomes: How can these resources advance God’s Kingdom? When people look at us, they shouldn’t see someone better, but someone different—different priorities, values, and goals. When Couples Don’t See Eye to Eye Not every couple starts on the same page financially. Ron has seen how honoring the marriage covenant sometimes means yielding financial preferences for the sake of peace and witness. In one case, advising a believing wife to honor her unbelieving husband’s wishes about tithing led to that husband’s eventual openness to Christ. Even in his own marriage, Ron and his wife, Judy, have relied on third-party counsel to strengthen their communication—reminding couples that it’s not their money, but God’s money. Money as a Test and a Testimony For Ron, money serves three purposes: it’s a tool, a test, and a testimony. God often uses money to build our faith because it serves as a test of our trust. But it’s also a testimony. Contentment, generosity, and peace in financial life point the world to the sufficiency of Christ. In a culture driven by comparison and consumption, a believer who lives joyfully and contentedly becomes a...

Gold has been surging this year—but what’s behind the rise, and what should investors keep in mind before buying in? Precious metals, such as gold and silver, have long fascinated investors, particularly in times of economic uncertainty. But are they wise investments for today? If so, how should we approach them? Mark Biller joins us today to talk about investing in precious metals. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Surge in Gold and Silver Gold’s remarkable rise has captured headlines again, now up over $4,000 an ounce—up from about $2,600 at the start of 2025. That’s a 50% gain this year on top of last year’s 26% surge. Silver has jumped even higher, up roughly 60%, while gold mining stocks have more than doubled. What’s behind this stunning rally? Several key forces are at play. Global central banks have been buying gold aggressively, a trend that accelerated after the U.S. froze Russia’s dollar reserves in 2022. This event shook confidence in the U.S. dollar as a neutral reserve currency. Add in fears of currency debasement stemming from massive government spending since the COVID pandemic, and gold suddenly looks like a safer store of value. As investors around the world look for stability, gold—the “4,000-year-old alternative currency”—is once again shining. To understand today’s prices, it helps to look at history. Adjusted for inflation, gold recently surpassed its all-time high from January 1980. Silver, meanwhile, is nearing $50 an ounce—the peak it hit in both 1980 and 2011—but still lags behind those highs when adjusted for inflation. These cycles remind investors that precious metals often move in waves—soaring during manias, then enduring long pullbacks. After its 1980 peak, silver prices dropped nearly 90%; after 2011, they fell by about 70%. Understanding those cycles helps set realistic expectations and temper “gold rush” enthusiasm. Gold as a Store of Value Unlike stocks or bonds, gold doesn’t produce income or dividends. That makes it tricky to value—but also unique. It’s not a productive asset; it’s a preservative one. For centuries, an ounce of gold could buy a fine men’s suit. The same holds true today, illustrating its enduring purchasing power. Gold’s real role isn’t to generate profit—it’s to store value when currencies lose theirs. Viewed this way, gold functions as an alternative currency to the world’s paper money systems. As inflation rises and confidence in traditional currencies wavers, gold’s relative stability stands out. Gold’s appeal intensifies during uncertainty. Whether it’s inflation, war, or financial instability, investors turn to gold as a hedge. While Americans rarely consider regime changes, history is filled with nations where financial systems collapsed, and gold helped preserve wealth across transitions. Even in less dramatic times, when governments respond to crises by printing more money, gold tends to perform well. As fear increases, so does the appetite for precious metals. Gold, Silver, and Mining Stocks: Knowing the Difference Each part of the precious metals market serves a different role: GoldSilverMining StocksHow to Invest Wisely in Precious Metals We recommend a balanced approach: Physical gold and silverETFs (Exchange-Traded Funds)Combining both approaches provides flexibility and peace of mind—anchoring part of your wealth in tangible assets while keeping another portion readily accessible for use. As with any investment, precious metals should be approached with discipline and perspective. They’re best viewed as part of a long-term diversification strategy—not a get-rich-quick play. To learn more about investing wisely in gold and silver, Sound Mind Investing has released a free special report for Faith & Finance listeners. Download your copy at SoundMindInvesting.org. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful...

Could a reverse mortgage be a widow’s best friend? Since women typically outlive men, many will one day carry the financial load alone. Today, Harlan Accola joins us to explain how reverse mortgages have changed and why they can offer widows stability, dignity, and confidence for the years ahead. Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. The Longevity Challenge Many people still carry outdated assumptions about reverse mortgages. Some believe they’re risky or predatory—especially for widows. However, over the years, these products have undergone significant evolution, incorporating new safeguards that make them a secure and compassionate option for many older adults, particularly surviving spouses. Women tend to outlive their husbands, often by several years. That creates what financial professionals call longevity risk—the challenge of stretching resources over a longer life. Couples frequently plan their finances assuming they’ll live out retirement together, but the reality is that many widows face 2–10 years of life on their own, often with reduced income. For many, a reverse mortgage can bridge that gap. By allowing homeowners age 62 and older to access the equity in their homes without monthly payments, it provides a steady income—especially for those who want to remain in their homes. The reputation of reverse mortgages has improved dramatically since the early days. When the FHA introduced the program in 1988, some borrowers made unwise choices—like removing their spouse from the home title—which left surviving spouses vulnerable. Thankfully, that changed in 2013. Federal law now requires that both spouses be listed on the loan and protected by it. This safeguard ensures that a widow can remain in her home for as long as she wishes, without fear of foreclosure or forced sale. Dignity and Security for the Years Ahead When a husband passes, household income often drops by around 40%. If a traditional mortgage payment remains, that financial burden can force a widow to sell her home. A reverse mortgage eliminates that risk by converting home equity into income—allowing her to stay in the place she loves, surrounded by memories, with dignity and financial stability. For widows, that security is invaluable. It turns a house into a lasting home, ensuring that the twilight years can be lived not in fear, but in peace. To learn more about whether a reverse mortgage could benefit your situation, visit Movement.com/Faith. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageChristian Community Credit Union (CCCU)HealthMarketsHealthcare.goveHealthHealthSherpaWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Investing isn’t just about returns—it’s about reflecting what we truly value. Our faith is meant to guide every area of life, including how we invest. When our hearts are set on God, our investing reflects His priorities—caring for creation, serving our neighbor, and letting what we treasure shape how we steward His resources. Tim Macready joins us today to talk about a “theology of investing.” Tim Macready is Head of Global Advisory at BrightLight, a division of EverSource Wealth Advisors. A Theology of Investing: Bringing Faith to Financial Decisions Most people view investing as a financial act—an attempt to grow wealth, manage risk, or secure a comfortable future. Yet Scripture invites us to see investing as something much deeper: a spiritual act rooted in stewardship, love, and worship. A theology of investing reimagines financial activity not as separate from faith but as an expression of it. It calls believers to bring their heart, head, and hands together, transforming investing from a pursuit of profit into a practice of discipleship. Theology simply means the study of God and how what we learn about Him shapes the way we live. Applied to investing, it means aligning financial decisions with biblical truths about creation, stewardship, and love for neighbor. Faith is not only a matter of belief—it’s a matter of lived action. When we view investing through this lens, we begin to see it as part of our calling to manage God’s resources wisely and to use them in ways that bring about human flourishing and reflect His goodness. The Creation Mandate and the Purpose of Investing The story begins in Genesis 1–2. Out of His divine goodness, God creates a world filled with potential and beauty, then entrusts humanity with the task of cultivating and developing what He made. Investing participates in that same creation mandate. It takes the resources God has provided and reallocates them so that they become productive—fueling innovation, creating jobs, and contributing to the flourishing of communities. Financial returns become a byproduct of faithful stewardship rather than the sole objective. Through investing, believers join God in bringing order, beauty, and abundance to His creation. Some assume investing is little more than glorified gambling, but the two could not be more different. Gambling is speculation—a zero-sum pursuit driven by chance. Investing, on the other hand, is a form of stewardship. It seeks to grow what God has entrusted by putting resources to work productively in the service of others. Faithful investing recognizes that capital is not an end in itself but a tool for participating in God’s creative and redemptive work in the world. Loving God and Neighbor Through Investment When Jesus summarized the law, He tied together two inseparable commands: love God and love your neighbor (Matthew 22:37–39). Investing offers a tangible way to live out both. By directing capital toward enterprises that meet real needs, create employment, and improve lives, investors can participate in the biblical call to love their neighbor. Investing becomes a form of generosity—an intentional choice to place capital at risk so that others may benefit and communities may thrive. When guided by love, investing ceases to be a self-focused pursuit and becomes a practice of service and shared flourishing. In Matthew 6, Jesus teaches that “where your treasure is, there your heart will be also.” That truth reveals not only that our spending reflects what we love, but also that our hearts are shaped by where we invest. Our financial choices form us. Every investment helps build something—industries, technologies, and cultures. Those choices shape what we value and the kind of world we participate in creating. If the heart is anchored in Christ, investing becomes a means to align one's desires with discipleship, ensuring that financial growth serves God’s purposes and the good of others. In modern markets, investing...

What does Scripture really say about tithing—and does it still apply to Christians today? For some, the tithe feels like a doorway to trusting God’s provision. For others, it’s a source of guilt, confusion, or even division in the church. John Cortines joins us today to help us take a fresh, biblical look at this ancient practice. 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. When Giving Becomes a Math Problem What starts as a simple question—“How much should I give?”—can easily become a spiritual trap. When our focus shifts to calculating the exact percentage, we risk turning generosity into a math problem instead of an act of worship. The joy of giving fades when we treat it like a transaction rather than a response of gratitude. For some believers, tithing has been a beautiful first step toward trusting God with their finances. But for others, it’s become a burden—tied to fear, guilt, or even manipulative teaching. Some have been told that unless they give precisely ten percent, they’ll miss out on God’s blessing or fall under His curse. That kind of legalism replaces grace with anxiety. True biblical giving isn’t about hitting the right number—it’s about having the right heart. When we give freely and joyfully, we reflect the generosity of the God who first gave everything to us. Tithing in the Old Testament Even before the law, Abraham gave a tenth to Melchizedek as an act of honor to God’s priesthood. Jacob vowed to give a tenth as well, though his promise was conditional—“If You do this, God, then I’ll do that.” Under the Mosaic law, the tithe became more formalized. In fact, there were three tithes in ancient Israel: The Levitical Tithe –The Festival Tithe –The Charity Tithe –When combined, these amounted to roughly 23% annually, far more than the simple 10% most people imagine. A clear-cut 10% tithe wasn’t exactly what it looked like in Scripture. What About the New Testament? Here’s where things get interesting. The tithe is central in modern Christian stewardship, but in the New Testament, Jesus and the apostles never use it as a framework for giving. The word tithe does appear four times—but only incidentally. Jesus even rebukes those who tithe meticulously while neglecting “justice and mercy and faithfulness” (Matthew 23:23). Instead, the New Testament presents a new model: gospel generosity. Giving becomes voluntary, sacrificial, joyful, and regularly practiced—not a legalistic percentage, but a reflection of the heart transformed by grace. Five Timeless Principles From the Tithe Although Old Testament tithing laws don’t bind Christians today, there are five beautiful principles we can carry forward: Give to Christ as Priest and King.Give faithfully to the local church.Celebrate God’s goodness.Care for the poor.Use 10% as an ancient benchmark—not a rigid rule.The Heart of True Generosity Here is a striking contrast between two real-life givers. Jack“My income will never go down,”CindyIf Jesus were in the conversation, it’s clear who He’d affirm. The heart of giving isn’t about a perfectly calculated percentage—it’s about love, humility, and faithfulness. Ultimately, tithing isn’t about meeting a quota but recognizing that everything belongs to God. The Old Testament giving system was complex, and if anyone claims you’ll be ‘blessed or cursed’ based on a fixed percentage, be cautious—that leans toward prosperity teaching. Instead, New Testament passages such as 2 Corinthians 8–9 and 1 Timothy 6, as well as Jesus’ own words in Matthew 23 and Luke 11, emphasize grace, humility, and joy in giving. The truth is that every dollar belongs to God. We don’t give to get a blessing—we give...

When two faith-based credit unions unite, it’s not just about growing bigger—it’s about multiplying Kingdom impact. We’re talking about something that’s a lot more than just a merger— it’s about expanding services and supporting ministries worldwide. Aaron Caid joins us today to talk about the exciting merger of Christian Community Credit Union (CCCU) and AdelFi Credit Union. Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union (CCCU), an underwriter of Faith & Finance. A New Season for Christian Community Credit Union When it comes to money, the conversation always goes deeper than numbers. For Christian Community Credit Union (CCCU), finances are a matter of faith, stewardship, and Kingdom impact. That’s why the announcement of a merger between CCCU and AdelFi marks such a significant and exciting new chapter. This merger wasn’t a quick decision. It was the culmination of nearly two years of prayer, discernment, and thoughtful consideration by both boards. Both organizations share a Christ-centered mission, with AdelFi carrying a 60-year history of faith-aligned banking and a strong commitment to supporting Christian ministries. The merger is designed to create a stronger credit union, expand reach, and multiply Kingdom impact. What Members Can Expect For CCCU and AdelFi members, the transition will be seamless. Accounts and services will remain uninterrupted. At the same time, members can look forward to enhanced digital tools, stronger security, expanded member support, and greater lending capacity. That means more opportunities to serve individuals, churches, ministries, and faith-based businesses with tailored financial solutions. The heart of this merger is ministry. By combining resources, CCCU will be able to give more generously to global partners such as Samaritan’s Purse, the Tim Tebow Foundation, and Mission Aviation Fellowship. Together, the new institution will support churches, mission-sending agencies, and faith-based organizations with greater financial strength. At the end of the day, it’s not just banking, it’s stewarding resources for eternal impact. With the merger complete, CCCU will become the largest Christian banking institution in the United States—holding more than $1.5 billion in assets. Beyond size, the partnership brings specialized expertise. AdelFi’s strength in serving Christian-owned businesses complements CCCU’s established ministry partnerships, while AdelFi’s connection to over 4,000 missionaries deepens the reach to those serving around the world. The Path Ahead The merger is officially effective December 1, and members don’t need to take any action. Services will continue seamlessly, with every account insured up to $250,000. CCCU is committed to keeping members updated through email and the merger hubs on their websites. This partnership represents more than financial growth—it’s about multiplying impact for the Kingdom. Together, CCCU and AdelFi are equipping God’s people and ministries with financial tools that advance the Gospel and care for others in Jesus’ name. To learn more about this new chapter in Christian banking, visit FaithFi.com/Banking. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)AdelFi Credit UnionSound Mind Investing (SMI)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerSocial Security Administration (SSA.gov)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...

When it comes to money, the issue isn’t just budgets or bank accounts—it’s identity and ownership. In Christ, we’re a new creation and God’s dwelling place, which means money is something we manage for the Owner. Today, we’ll explore what it looks like to live as God’s stewards with Dr. Derwin Gray. Dr. Derwin L. Gray is a former NFL player turned pastor, author, and speaker. He co-founded Transformation Church in South Carolina and is the author of multiple books on faith, discipleship, race, and gospel-centered unity. From Ownership to Stewardship One of the most significant shifts we can make as followers of Christ is to stop thinking like owners and start thinking like stewards. Scripture makes the point that: “You are not your own, for you were bought with a price” (1 Corinthians 6:19–20). God doesn’t want something from us—He wants something for us. He longs for us to share His generous heart, free from the grip of idolatry. When Jesus said in Matthew 6:24, “You cannot serve both God and money,” He drew a line we cannot straddle. Money is a tool to serve God’s purposes, not a master to rule our lives. A powerful illustration of this danger can be found in The Lord of the Rings. Smeagol, once a hobbit, discovered a ring of dark power and quickly became consumed by it. Calling it “my precious,” he was slowly deformed—body and soul—by his obsession. Money can do the same thing when it takes God’s place in our lives. Instead of being a tool to serve God, it becomes a master that warps our hearts and dehumanizes us. But when grace reshapes our perspective, we see money for what it truly is: not a god to worship, but a resource to manage for God’s glory. Generosity Flows from the Gospel The Apostle Paul wrote in 2 Corinthians 8:9, “You know the grace of our Lord Jesus Christ, that though He was rich, yet for your sake He became poor, so that you by His poverty might become rich.” Generosity is not our idea—it is God’s nature. Giving is worship, an overflow of gratitude to the One who gave Himself for us. When we give our first and best to God, we not only honor Him but also discover peace, freedom, and deeper trust. This isn’t only about giving. Stewardship encompasses saving, investing, and living debt-free. But generosity is foundational. When we trust God with our finances, we learn to trust Him with every other area of our lives. Our High Calling We are not owners. We are managers of what the King of kings has placed in our hands. Every dollar entrusted to us is an opportunity to worship Him, serve others, and reflect His generous heart. When we embrace this calling, stewardship stops being a burden and becomes a beautiful privilege. How might God be inviting you to live more fully as His steward today? On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Transformation Church | I Am A Steward (Sermon by Dr. Derwin Gray)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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When we think about financial threats, inflation, taxes, and debt are often the first that come to mind. But Scripture tells us there’s a deeper, more dangerous threat—covetousness. Left unchecked, it poisons our joy, drives us to make poor financial choices, and blinds us to God’s generosity. Covetousness is more than wanting what we don’t have. It’s a disordered desire that whispers: “I must have that to be happy, safe, or fulfilled.” Paul warns in Colossians 3:5, calling covetousness “idolatry.” Why? Because it dethrones God and places possessions on the throne of our hearts. In our finances, covetousness often manifests subtly—comparing our homes to those of our neighbors, upgrading cars that are still running well, or chasing investments out of envy. These patterns reveal misplaced worship. The Antidote: Contentment in Christ The opposite of covetousness isn’t deprivation—it’s contentment. In Philippians 4:11–13, Paul testifies that he has learned contentment in every circumstance through Christ’s strength. Contentment doesn’t come naturally—it’s cultivated. And when we trust in God’s abundance, we no longer grasp at what others have. Instead, we rest in His provision. Think of Jesus feeding the 5,000: what looked like scarcity became abundance in His hands. Social media magnifies our envy, turning vacations, houses, and life stages into comparison traps. The tenth commandment—“You shall not covet”—goes straight to the heart, reminding us that God cares not just about our actions but about our desires. If you feel this struggle, take heart—you’re not alone. The Spirit empowers us to shift from envy to gratitude, from restless striving to restful trust. Practical Steps to Combat Covetousness Fighting covetousness is not about self-shame—it’s about redirecting our worship. Here are three practices rooted in Scripture: Practice Gratitude— Budget as Worship— Give Generously—“be rich in good works, generous and ready to share”Redirecting Desire Toward Christ Jesus warns in Luke 12:15: “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of possessions.” The rich fool who built bigger barns illustrates the danger of letting wealth replace intimacy with God. Covetousness dies when Christ becomes enough. Hebrews 13:5 reminds us: “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.’” At its root, covetousness is a worship issue. We long for what others have because our hearts are restless for the only One who satisfies. St. Augustine put it well: “You have made us for Yourself, O Lord, and our heart is restless until it rests in You.” The cure isn’t less desire but rightly directed desire—desire fulfilled in Christ. When we practice gratitude, budget as worship, and live generously, we shift our gaze from possessions that perish to a Savior who is more than enough. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.