Faith & Finance

For many girls in Uganda, one opportunity can alter the course of their entire future—and that opportunity often begins with education. Around the world, poverty creates barriers that shape a child’s path long before adulthood. But through the work of ministries and local partners, those stories are being rewritten with hope, dignity, and the love of Christ. Aaron Griggs joins the show today to share how Cross International is helping young women stay in school, discover their God-given purpose, and step into a future that once felt out of reach. The Mission: Serving the Most Vulnerable Cross International exists to serve some of the world’s poorest and most vulnerable children and families for the glory of God. Rather than operating independently, the ministry works through trusted local churches and organizations across Africa and other regions—partners who understand the communities, relationships, and long-term needs on the ground. This approach allows them to provide immediate help—such as food, clean water, and education—while also fostering sustainable, long-term change. Local leaders remain present long after programs begin, ensuring care that is relational, consistent, and rooted in the Gospel. The Everyday Realities of Poverty For many families in countries like Uganda, Malawi, and Zambia, daily challenges are not simply inconvenient—they are life-altering. When children cannot attend school, their opportunities shrink dramatically. For girls in particular, the consequences are often more severe—and more permanent. Why Girls Are Especially Vulnerable When resources are scarce, girls are often the first to be pulled out of school. In some communities, families facing desperate financial strain may feel forced to arrange early marriages for daughters—sometimes as young as 11 or 12—simply to survive. This leads to a heartbreaking cycle: Without intervention, the very pathway that could break the cycle—education—remains inaccessible. Local Partnership in Action: Project Princess Initiative One of Cross International’s key ministry partners in Uganda is the Project Princess Initiative, based in Kampala. Together, they walk alongside vulnerable girls by: The goal is not only academic success but whole-person transformation—spiritual, emotional, practical, and relational. As many girls grow older, something remarkable happens: they begin mentoring others. The hope they received becomes the hope they give. Karen’s Story: From Hopelessness to Purpose Karen, a young woman from Uganda, once faced a future filled with uncertainty. After her father abandoned the family, her education stopped. Surrounded by poverty, drugs, and despair, she felt trapped and hopeless. Through Project Princess, everything changed. She returned to school. She encountered mentors who reminded her of her worth in Christ. She discovered a future she never thought possible. Karen eventually attended college and studied economics—an opportunity few girls from her background ever experience. Today, she mentors younger girls facing similar challenges and speaks passionately about the role of faith in her transformation. Her story reflects a powerful truth: when education, mentorship, and the Gospel intersect, lives change. Why Faith Matters in Education Cross International’s work centers on more than academics. While education opens doors, true transformation begins in the heart. Their approach focuses on the whole person: Education alone can inform the mind. The Gospel renews the heart and reshapes identity. Together, they empower girls to become who God created them to be. How You Can Get Involved Scripture calls believers to care for the vulnerable. Psalm 82:3 urges us to “defend the weak and the fatherless; uphold the cause of the poor and the oppressed.” For many, generosity becomes a practical way to live out that calling. Through partnerships like this: A relatively small gift can create a lasting impact—helping a child...

Trusting God for our financial needs feels especially real when life gets tight. When savings shrink, markets fluctuate, or expenses rise faster than income, the pressure exposes what—or who—we truly rely on. Long before budgets, retirement accounts, or emergency funds existed, one man stood on a mountain believing God could provide in the most impossible circumstances. His story in Genesis 22 gives us one of the most powerful names of God in all of Scripture: “The Lord Will Provide.” And it offers a blueprint for faithful stewardship today. Provision Is Forged in Pressure Trusting God’s provision rarely happens in comfort. It’s forged in seasons when resources feel thin, and the future looks uncertain. Throughout Scripture, God’s people learn His faithfulness not at banquets, but in deserts. Not in surplus, but in scarcity. Whether wandering in the wilderness, facing famine, or standing before overwhelming odds, they discover that provision isn’t merely about resources—it’s about relationship. God is not simply someone who provides. He is the Provider. But biblical faith isn’t naïve optimism, nor is it passive resignation. Faith rests in God’s character, moves forward in obedience, and trusts Him with the outcome. Abraham on the Mountain Genesis 22 is one of the clearest pictures of this kind of faith. God asks Abraham to offer Isaac, his son of promise. It’s a shocking command, and we’re meant to feel its weight. Isaac is the one through whom God promised to build a nation “as numerous as the stars.” Without Isaac, the covenant appears to collapse. Yet Abraham obeys. Before climbing the mountain, he tells his servants, “Stay here with the donkey; the boy and I will go over there and worship; then we will come back to you” (Genesis 22:5). Notice what he says: we will come back. The author of Hebrews explains Abraham’s reasoning: “He considered that God was able even to raise him from the dead” (Hebrews 11:19). Abraham trusted that God’s promise was more certain than the circumstances he could see. And when Abraham raised the knife, God intervened—not before the climb, not halfway up the mountain, but at the exact moment when obedience and trust met. A ram was provided in Isaac’s place. It’s there Abraham names the place: “The Lord will provide” (Genesis 22:14). What “The Lord Will Provide” Really Means To say God provides isn’t to say He always provides in the way we expect. It means His character is generous, attentive, and faithful. He knows our needs before we ask. He meets them according to His wisdom—not our timeline. That shifts how we think about financial provision. Scripture commends diligence. “The hand of the diligent makes rich” (Proverbs 10:4). It warns against laziness. But diligence and provision are not the same thing. We work. God provides the harvest. Modern financial fear often comes from trying to secure every possible outcome. We want guarantees. We want certainty. We want control. But the great enemy of faith isn’t need—it’s self-reliance. When we believe we are our own providers, we shoulder a burden we were never designed to carry. The apostle Paul writes, “My God will supply every need of yours according to his riches in glory in Christ Jesus” (Philippians 4:19). Notice the scale and the source: According to His riches, not ours. Three Ways Trust Changes Our Stewardship When we truly believe God provides, three things begin to shift. 1. We Plan Without Panic Wisdom plans for the future. Scripture affirms preparation and foresight. But planning becomes idolatry when it tries to eliminate dependence. Trust allows us to budget, save, and invest without fear driving every decision. Our spreadsheets serve us—they don’t rule us. 2. We Give Without Fear Generosity flows from security. If we believe God replenishes, we can release. Hudson Taylor famously said, “God’s work done in God’s way will never lack God’s supply.” When God is our provider, generosity becomes an act of...

Henry Drummond once wrote, “To become like Christ is the only thing in the world worth caring for…before which every ambition of man is folly and all lower achievement vain.” Those words cut straight to the heart of how Scripture defines success. In a culture that measures achievement by accumulation and applause, Jesus offers a very different scoreboard—one centered not on what we gain, but on who we become. The Success Story We’ve Been Taught It’s easy to believe that if we could just reach a little higher, earn a little more, or move a little faster, we’d finally arrive. We see this impulse at the very beginning of Scripture. In the Garden of Eden, Adam and Eve weren’t lacking anything, yet they believed something better was being held back (Genesis 3). At the Tower of Babel, humanity declared, “Let us make a name for ourselves” (Genesis 11:4). Success, in their minds, meant defining greatness on their own terms. That same instinct shapes us today. We measure success by paychecks and promotions, by titles, trophies, and the size of our homes or portfolios. And in a world that equates success with accumulation, it’s hard not to wonder: Am I successful yet? Will more finally be enough? Jesus’ Warning About the Illusion of More Jesus speaks directly into that tension 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 his possessions.” He then tells the parable of the rich fool (Luke 12:16–21). A man experiences an abundant harvest and decides to tear down his barns to build bigger ones. He reassures himself: “Soul, you have ample goods laid up for many years; relax, eat, drink, be merry.” On the surface, it sounds like success. He planned ahead. He saved. He prepared. But Jesus calls him a fool. Listen to the language: my barns, my grain, my goods, my soul. There’s no gratitude, no dependence on God, no concern for others. His definition of success was accumulation, and his confidence rested entirely in what he had stored up. God’s response is sobering: “This night your soul is required of you, and the things you have prepared, whose will they be?” (Luke 12:20) Jesus concludes, “So is the one who lays up treasure for himself and is not rich toward God” (Luke 12:21). The story is meant to shake us awake. It exposes how easily we confuse preparation with control and wisdom with self-reliance. God isn’t measuring success by what we store—He’s measuring it by what we surrender. A New Definition of Success The apostle Paul understood this well. By every cultural standard of his day, Paul had succeeded. Yet he wrote: “I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord” (Philippians 3:8). Paul didn’t lower the bar for success—he replaced it. Scripture tells us God’s goal for our lives plainly: “For those whom he foreknew he also predestined to be conformed to the image of his Son” (Romans 8:29). That’s the metric. Not income. Not influence. Not recognition. Christlikeness. So it’s worth asking: What scoreboard are you watching right now? Whose applause are you chasing? If your goals are rooted in impressing others or securing more for yourself, satisfaction will always feel just out of reach. But if your goals are rooted in becoming more like Christ, you’ll discover a kind of success that cannot be taken away. Jesus invites us to measure progress differently. Instead of asking, “Did I win today?” we can ask, “Did I look a little more like Jesus today?” In God’s economy: And God delights in what is done faithfully—even when no one else sees. Jesus puts it plainly: “For what will it profit a man if he gains the whole world and forfeits his soul?” (Matthew 16:26) Real success isn’t what you gain. It’s who you become in Christ. Aligning Our Hearts With What Lasts This is one of the reasons I wrote Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship. Each day is designed to help...

“Give us this day our daily bread.” These seven words from the Lord’s Prayer are so familiar that we can easily miss how radical they are. When Jesus taught His disciples to pray in Matthew 6:11, He invited them to trust God for provision—not all at once, but one day at a time. In a world obsessed with tomorrow, this simple request calls us back to dependence, humility, and trust in God’s care today. Daily Bread in the Wilderness The idea of daily bread takes us back to Israel’s journey through the wilderness. In Exodus 16, God fed His people with manna each morning. It was enough for the day—no more, no less. When they tried to store extra, it spoiled. The lesson wasn’t primarily about food; it was about trust. God was teaching His people that He—not their stockpiles or strategies—was their provider. Today, we work, budget, plan, save, and invest—and Scripture commends those practices. Proverbs celebrates diligence, and Joseph’s preparation in Genesis 41 helped save entire nations. Trusting God isn’t passivity, and faith isn’t irresponsibility. But here’s the tension: our planning must never replace our dependence. When Jesus taught us to ask for daily bread, He was establishing a rhythm—trusting God with today rather than burdening ourselves with controlling tomorrow. When Financial Anxiety Feels Close to Home For many people, this teaching hits close to home. We live in a time of economic anxiety. Budgets are tight, housing is expensive, and the future often feels uncertain. And if we’re honest, money doesn’t just expose financial fears—it reveals deeper questions: Will I have enough? Will I make it? Does God see me?Will He take care of me?Jesus speaks directly to those fears 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.” Jesus isn’t calling us to ignore real needs. He’s inviting us to rest in real care. Birds still work—they gather, build, and hunt—but they don’t live in anxiety. They don’t wake each morning wondering whether God will provide. Provision is built into creation because God is faithful. Three Responses to Daily Bread Trusting God for daily bread shapes the way we live. It invites three important responses: gratitude, contentment, and generosity. 1. Daily Bread Invites Gratitude When we ask God for what we need today, we’re reminded that what we have today is a gift. Gratitude pushes back against the relentless pressure for more—more comfort, more security, more status. Ecclesiastes reminds us, “Everyone to whom God has given wealth and possessions and power to enjoy them… this is the gift of God” (Ecclesiastes 5:19). Even the ability to enjoy what we have is grace. 2. Daily Bread Invites Contentment Contentment doesn’t mean settling for less—it means refusing to treat the future as the only place where peace exists. Paul writes, “I have learned in whatever situation I am to be content” (Philippians 4:11). That learning happened within real circumstances, not after ideal ones arrived. Contentment grows as we trust God in the present moment. 3. Daily Bread Invites Generosity When we trust God to provide for today, our grip loosens. Fear tightens our hands; trust frees them. In 1 Kings 17, a widow shared her last flour and oil with Elijah, trusting God’s promise—and God sustained her household through the drought. The lesson isn’t that generosity guarantees prosperity. It’s that generosity reveals where our security truly lies. Trusting God Through Everyday Financial Habits Trusting God for daily bread often expresses itself in very ordinary financial decisions. “The wise store up choice food and olive oil.”Yet even the wisest planning must remember this: financial stability is not ultimate security. No account balance is large enough to silence fear if our hope rests in money. At the same time, there is no scarcity so deep that God cannot sustain His...

Younger investors are reshaping the markets—from crypto and AI to ETFs and gaming. But with so many new platforms, trends, and voices competing for attention, how can believers invest wisely across generations? Matt Bell, Managing Editor at Sound Mind Investing, has been tracking these shifts closely, and he joins the show today to share his insights and highlight both what’s changing and what remains timeless—especially when biblical wisdom guides our financial decisions. The Surge of Younger Investors Since 2020, millions of new investment accounts have been opened—many by Gen Z and millennials. In fact, a significant portion of today’s investors entered the market during the early pandemic years, despite dramatic market volatility. Why? Several factors converged: Instead of retreating when markets dropped, many younger investors leaned in. How Younger Investors Are Engaging the Market Differently Compared to previous generations, younger investors tend to: ETFs, in particular, appeal to younger investors because they trade like stocks, often have lower costs, and allow for more active participation. At the same time, themes like cryptocurrency, gaming-related funds, and sports gambling investments show the sharpest generational divide—drawing the most interest from the youngest investors. A Cultural Shift in Investing Interest in newer asset classes isn’t limited to younger investors anymore. Crypto, AI, and alternative investments are gaining traction across all age groups. Major developments—such as the approval of Bitcoin ETFs and growing conversations about private equity in retirement plans—signal that the investing culture is evolving rapidly. But rapid access can create risk. Availability and hype can outpace understanding. New investment options often carry complexity, and without careful research, investors may unknowingly take on risks they don’t fully grasp. The Social Media Effect One of the most defining features of today’s investing landscape is the role of social media. Anyone can build a following and offer financial advice—even without credentials. In a crowded digital space, the loudest voices often gain the most attention, not necessarily the wisest ones. That’s why discernment matters. Before acting on advice: Wise investing has always required counsel, patience, and humility—traits that don’t trend easily online. The Opportunity of Starting Young Despite the risks, the growing interest in investing among younger generations is largely positive. Time is one of the most powerful tools in investing. Starting early allows compounding to work over decades, creating opportunities for steady growth and long-term stability. Encouraging young investors to begin is wise. Helping them begin wisely is even more important. How Parents and Mentors Can Guide the Next Generation For parents, grandparents, and mentors, the goal isn’t to criticize younger investors—it’s to walk alongside them. Start by affirming their interest. Then introduce principles that shape a healthier approach: These conversations can help shift the focus from chasing trends to building a thoughtful strategy. Why Process Matters More Than Trends In fast-moving markets, a clear investment process becomes essential. Emotion—fear when markets fall and greed when they rise—is one of the greatest risks investors face. A disciplined strategy helps guard against impulsive decisions. For believers, process also reflects stewardship. The money we manage ultimately belongs to God, and our responsibility is to steward it wisely and intentionally. A thoughtful plan helps investors stay grounded when markets—and headlines—shift. Understanding What You Own One practical test of wise investing is simple: can you clearly explain what you own and why? If an investment can’t be explained in plain language, it may not be fully understood. And stewardship requires understanding. Clarity leads to better decisions. It also protects...

Every day, we’re faced with financial decisions—some small, some life-shaping. We decide how to spend, save, give, borrow, invest, and provide for our families. But behind each of those choices lies a deeper question: where do we go to find wisdom? Many assume the Bible is a spiritual book meant only for spiritual matters, not for the realities of modern financial life. After all, Scripture was written thousands of years ago. There were no index funds, tax-advantaged accounts, or credit cards in ancient Israel. So how could it possibly speak to retirement planning, debt, generosity, or contentment today? Yet what Scripture offers isn’t a financial playbook—it’s something better: timeless wisdom rooted in the character of God. Timeless Wisdom, Not Financial Formulas Biblical wisdom isn’t about giving us modern strategies or formulas. It’s about helping us understand who God is, who we are, and what we were made for. Until we know the Author, we won’t trust His instruction. And without trusting His instruction, we won’t build our lives—financially or otherwise—on His Word. The primary purpose of Scripture isn’t merely to tell us what to do. It’s to reveal who we belong to. It introduces us to the God who provides, who owns all things, who defines true success, and who calls us to steward not just money, but all of life. Once that foundation is laid, Scripture certainly does speak to how we live. The apostle Paul writes: “All Scripture is breathed out by God and profitable… that the man of God may be complete, equipped for every good work” (2 Timothy 3:16–17). Financial decisions are included in those “good works.” The Bible isn’t irrelevant to a modern economy—it’s indispensable. Biblical Principles for Modern Money Decisions The questions people wrestle with today aren’t new. Scripture addresses the very issues many of us face: Diversification:“Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land”Debt and co-signing:“Be not one of those who give pledges”Living below your means:“Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it”Planning ahead:“The prudent sees danger and hides himself”Generosity:“You will be enriched in every way to be generous in every way”Seeking wisdom:“If any of you lacks wisdom, let him ask God”These aren’t technical instructions about financial products. They are heart-level principles that guide every generation, in every economy. Financial Wisdom Is Relational Biblical wisdom is not merely practical—it’s relational. Scripture doesn’t just tell us what to do; it shows us why God is trustworthy. It reveals a Father who “owns the cattle on a thousand hills” (Psalm 50:10), who feeds the birds of the air (Matthew 6:26), who gives good gifts to His children (James 1:17), and who never abandons those who walk by faith (Hebrews 13:5). Much of our financial anxiety isn’t ultimately about money—it’s about trust. And trust doesn’t come from spreadsheets or strategies. It comes from knowing the God who inspired Scripture. When we know Him, financial obedience becomes freedom rather than drudgery. Living below our means becomes contentment. Avoiding debt becomes a matter of wisdom rather than fear. Giving becomes a joyful response to grace. Planning becomes stewardship instead of self-reliance. Ancient Words, Timely Guidance Scripture is ancient, but it is not outdated. Technology changes. Markets change. Financial products change. But the human heart does not. Because the heart hasn’t changed, God’s Word still speaks. It equips us for every season of life, every financial decision, and every act of stewardship. The Bible never treats money as evil, but it refuses to let it become a savior. It presents money as a tool—good when stewarded wisely, dangerous when worshiped, and temporary, no matter how well invested. That’s why the goal of biblical financial wisdom isn’t accumulation—it’s transformation. Becoming Faithful...

Monks and money don’t seem to go together—but maybe they should. Early Christian monastics developed a biblical approach to possessions that offered freedom from fear and created space for generosity. Their example continues to resonate with believers navigating modern financial pressures. Dr. Shane Enete, Chair of the Finance Department at Biola University, joins the show today to help us explore what he calls “monk finances,” drawing on early Christian history to uncover insights that remain strikingly relevant today. Why Monks and Finances Feel Like Opposites For many people, the idea of monks and money in the same sentence feels contradictory. That perception has historical roots. In the early centuries of the church, some believers reacted to growing spiritual complacency by withdrawing from society. These early monks sought lives of radical devotion and discipline. In extreme cases, they rejected material possessions entirely, viewing the physical world—and even the body itself—as spiritually dangerous. But this wasn’t the final word on monastic life. Leaders like St. Anthony and St. Benedict helped reshape the movement. They recognized that God created the material world before the fall; therefore, possessions, work, and even money could be used for His glory. Instead of rejecting material things, they began developing thoughtful, disciplined ways to steward them. Out of that shift came a surprisingly rich theology of money. Recovering a Biblical View of Possessions As monastic communities formed, they began to rethink how Christians should live with resources. Rather than treating money as evil, they saw it as necessary for life—but not as a source of identity or security. Their approach emphasized moderation, equality, and shared responsibility. Their guiding principle was simple: Meet your needs, then help meet the needs of others. Money became a tool for self-sufficiency that led to hospitality, not a means of achieving independence from God. This perspective echoed the Apostle Paul’s teaching to the early church, especially in communities wrestling with wealth and inequality. In many ways, the monks’ worldview stands in contrast to modern financial culture. Where today’s systems often prioritize accumulation and long-term personal security, the monastic tradition emphasized dependence on God and care for neighbor. Economic Sufficiency vs. Economic Security One of the most striking insights from monastic life is the distinction between economic sufficiency and economic security. The monks worked hard. They cultivated gardens, produced goods, and provided for themselves. But they intentionally stopped short of building wealth for personal protection. Their goal was sufficiency—having enough to live and to share. A well-known story about St. Anthony illustrates this progression. After initially living in isolation, he began growing food to avoid burdening others. Eventually, he expanded his efforts to feed visitors and care for those who came seeking wisdom. His work produced enough for his needs and created margin for generosity. That pattern shaped monastic communities: They believed the danger came when financial planning shifted from provision to self-protection—when wealth began to replace trust in God. Guarding the Heart from the Love of Money Monks viewed wealth with a sober realism. They saw it as useful but spiritually risky. Money, they believed, has a way of whispering false assurances: “You’re safe. You’re secure. You don’t need God.” To guard against this, monastic communities developed “rules of living”—structured rhythms that shaped how they worked, spent, and shared. These practices served as guardrails, protecting their hearts from drifting into consumption and self-reliance. The goal wasn’t deprivation. It was clarity. They wanted money to remain a servant, never a master. The Power of an “Economy of Excess” One of the most compelling ideas to emerge from monastic life is...

From ancient times to modern markets, gold and silver have captured people’s attention—especially during seasons of uncertainty. It’s one reason more believers are asking whether precious metals belong in their investment portfolios. The question isn’t simply financial; it’s also about stewardship. Where do metals fit—and where don’t they—when we’re seeking to make wise, faithful decisions with what God has entrusted to us? A Long History as a Store of Value Precious metals are among the oldest forms of money in human history. For thousands of years, gold and silver have served as a store of value. Even today, in an economy dominated by fiat currencies, they still carry an aura of stability and permanence. There’s a practical reason for that: governments can print more dollars, but they can’t print more gold or silver. As a result, investors often turn to metals during periods of inflation, geopolitical tensions, or financial instability. They’re commonly viewed as a hedge—an asset that may preserve purchasing power when confidence in broader systems begins to waver. That perception holds some truth. But it’s also important to separate reality from myth. Precious metals are not magic assets, and they don’t function like traditional growth investments. How Precious Metals Differ from Traditional Investments They Don’t Produce Income Stocks may pay dividends, bonds generate interest, and real estate can produce rental income. Precious metals, by contrast, do not produce income. They simply exist as assets whose value rises or falls over time. That doesn’t mean they can’t appreciate. But it does mean their return profile is fundamentally different from owning productive assets. Gold sits still; businesses build. Prices Can Be Volatile Metals are often described as “safe,” yet their market prices can swing sharply. There have been extended seasons when gold and silver prices barely moved—or declined—reminding investors that stability and growth are not the same thing. Costs Matter Owning physical metals involves more than just the purchase price. Coins and bars often carry premiums, and they require storage, insurance, and security considerations. For those who prefer not to handle physical metals, exchange-traded funds (ETFs) and similar vehicles offer another path. These track the price of gold or silver without the logistical challenges of storing them, making them a practical option for many investors. Allocation Is Key Financial professionals who favor precious metals typically recommend keeping them as a small portion of a diversified portfolio—often around 5%, and rarely more than 10%. When metals dominate a portfolio, they can crowd out assets better suited for long-term growth. What Scripture Says About Wealth and Security The Bible references gold and silver frequently—not only as commodities, but also as symbols of value, beauty, craftsmanship, and worship. Yet Scripture consistently warns against placing our trust in them. Paul writes, “As for the rich in this present age, charge them not to be haughty, nor to set their hopes on the uncertainty of riches, but on God” (1 Timothy 6:17). The issue isn’t money itself; it’s misplaced hope. Gold cannot redeem us, rescue us, or ultimately secure our future. Only the Lord can do that. Proverbs echoes this truth: “The wealth of the rich is their fortified city; they imagine it a wall too high to scale” (Proverbs 18:11). The key word is imagine. Wealth—even in solid forms like precious metals—can create an illusion of safety. That’s especially important to remember because metals often attract attention during periods of fear. But fear is not a reliable investment strategy. Wisdom is. Fear rushes; wisdom moves slowly, with patience and prayer. Three Principles for Faithful Investors 1. Metals Are a Tool, Not a Treasure Precious metals don’t need to be spiritualized or demonized. They’re simply one part of God’s created resources—useful when held with...

What happens when we stop drifting financially and start stewarding intentionally? When God’s purposes shape our financial decisions, money takes its rightful place—not as a source of identity or security, but as a tool that brings clarity, freedom, and faithful living. That conviction is at the heart of our conversation today with Brian Holtz, CEO of Compass Financial Ministry, about an upcoming gathering designed to help believers live it out in practical ways. Why Purpose Matters When It Comes to Money Brian explains that the idea for the conference begins with a familiar phrase: money is just a tool. While that’s true, tools are always created with intention. A hammer isn’t good or bad—but it’s designed for a specific purpose. When we don’t understand what money is for, we risk using it indiscriminately, assuming every financial decision is wise simply because it seems practical. Scripture calls us to something better: stewardship shaped by God’s design. When we understand His purposes for money, our decisions become clearer—and our faithfulness more intentional. Introducing Money on Purpose That’s the vision behind Money on Purpose, Compass Financial Ministry’s global conference happening February 26–28, 2026, in Orlando. Over three days, attendees will experience: Each keynote explores a specific purpose of money through a biblical story or character from both the Old and New Testaments, followed by workshops focused on real-life application. One of Compass's strengths has always been its ability to make biblical stewardship accessible, regardless of where someone is on their financial journey. This conference reflects that same heart. Whether you’re a young adult seeking guidance, a parent shaping financial values at home, or a church leader looking to integrate stewardship into discipleship, Money on Purpose is designed to meet you where you are. Workshop topics range from biblically grounded investing to navigating economic uncertainty—all anchored in God’s Word. What often surprises attendees most, Brian notes, is how comprehensively Scripture speaks to modern financial questions. When people realize their real concerns are addressed in God’s Word, something shifts. Just as powerful is the community. Being surrounded by like-minded believers moves the experience beyond information toward transformation. People leave not only knowing what to do, but encouraged, supported, and eager to see God work through their obedience. What Participants Walk Away With Compass’s mission is simple but profound: to help people grow closer to Jesus, live free to serve Him, and help fund the Great Commission. Those who attend Money on Purpose leave with: That’s what purposeful stewardship is ultimately about. When we handle money on purpose—God’s purpose—we discover greater freedom, direction, and joy in stewarding what belongs to Him. To learn more or register for the Money on Purpose conference, visit CompassFinancialMinistry.org, where you’ll find full details on sessions, workshops, and the event schedule. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Compass Financial MinistryYour Money Counts: Money on Purpose Conference 2026Movement MortgageOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom 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...

Banking isn’t usually the first place we think about living out our faith. Yet for many believers, where we bank is becoming an important part of faithful stewardship. Financial institutions don’t just hold our money—they decide how it’s used, invested, and leveraged for impact. That’s why faith-based banking is gaining attention. It offers Christians an opportunity to align everyday financial decisions with deeper convictions about money, integrity, and service. Today, we sat down with Aaron Caid, Chief Marketing Officer at Christian Community Credit Union (CCCU) and AdelFi, to talk about why believers may want to reconsider where they bank—and what truly matters when evaluating a financial institution. Start With the Basics: Stewardship Still Requires Excellence Before talking about faith alignment, there’s a practical reality we can’t ignore: a bank still needs to do its job well. Good stewardship requires systems that are secure, efficient, and reliable. Strong digital tools, responsive customer service, and clear processes aren’t luxuries—they’re necessities. A banking partner should simplify your financial life, not complicate it with friction, confusion, or outdated technology. In other words, expecting excellence from your bank isn’t selfish. It’s wise. Once the basics are covered, a deeper question emerges: Does this institution share your values? Every bank makes decisions about how money is used and where it’s invested. Those choices reflect a worldview—whether explicit or not. Faith-aligned banking starts from a biblical understanding of stewardship, integrity, and service, recognizing that money is a tool entrusted by God, not an end in itself. Where we bank, then, quietly reflects what we believe about the purpose of money. Faith That Shows Up in Action One of the distinctives of organizations like Christian Community Credit Union (CCCU) and AdelFi is that faith doesn’t remain a mission statement—it’s lived out through tangible generosity. Collectively, these organizations have more than 125 years of supporting Christian ministries, missionaries, church-planting efforts, and disaster relief. Together, they’ve given millions of dollars toward Christ-centered work around the world. Their impact goes beyond large-scale initiatives. Recent efforts include: Operation Christmas ChildThis is what it looks like when banking becomes a shared mission rather than a purely transactional relationship. Red Flags That May Signal It’s Time to Reconsider Your Bank Regardless of where you bank today, there are warning signs that may indicate your institution isn’t serving you—or your values—well: These issues don’t just affect convenience—they affect stewardship. What the AdelFi Transition Means for Members With the merger of Christian Community Credit Union and AdelFi, members are already seeing expanded services, greater reach, and enhanced capabilities. The combined organization will soon operate under the AdelFi Christian Banking brand, positioning it as the largest Christian banking solution of its kind. The goal is simple: better serve individuals, families, churches, ministries, and Christian-owned businesses—while amplifying Kingdom impact. When financial services function well and align with your faith, your money can serve both your everyday needs and God’s Kingdom purposes. As a special opportunity for Faith & Finance listeners, you can earn up to a $400 bonus when opening a qualifying high-yield checking or savings account—or a Visa cash back card. Visit FaithFi.com/Banking and enter code “FAITHFI” to learn more. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU) | AdelFiNational Christian Foundation (NCF)Sound Mind Investing (SMI)Our Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The...

Scripture reminds us that wisdom often begins with counting the cost. As the average age of a first-time homebuyer approaches 40, many people are asking an important and sincere question: Is now the right time to buy a home—or should we continue renting? That question usually reflects a desire to make a wise, lasting decision—one that supports long-term stability rather than undermining it. Before comparing monthly payments or imagining life in a new space, it’s worth taking a clear-eyed look at what it truly costs to move from renting into homeownership. The Upfront Costs Many First-Time Buyers Miss One of the biggest surprises for first-time buyers is the sheer cost of getting into a home. The pre-approval and closing process involves numerous expenses, including appraisals, inspections, credit reports, earnest money, title searches, loan origination fees, and closing costs. Taken together, these can add up to thousands of dollars before move-in day ever arrives. For renters transitioning to homeownership, these costs are typically paid out of pocket. That’s one reason many advisors encourage having close to 20% of the purchase price available—not only for a down payment, but to create margin for the entire process. This isn’t about delaying dreams unnecessarily; it’s about ensuring homeownership doesn’t begin with financial strain. Many renters feel a growing weariness with paying rent month after month, especially compared with building equity. That desire for something tangible and lasting is understandable—but it’s important to remember that rent is not wasted money. Rent pays for shelter, safety, maintenance, and predictability. It meets a real and ongoing need and, in that sense, pays for a valuable service. During certain seasons of life, that flexibility and stability can be a wise and intentional choice. Understanding What a Mortgage Really Includes It’s also helpful to understand how a mortgage payment actually works. A typical payment includes principal, interest, property taxes, homeowner’s insurance, and often private mortgage insurance if you own less than 20% of the home’s value. In some cases, HOA fees are also added. In the early years of a traditional 30-year mortgage, a significant portion of each payment goes toward interest rather than reducing the loan balance. Thirty-year mortgages can still be wise—they keep payments manageable and allow flexibility if you want to make extra principal payments—but they are designed to be long-term loans. Early equity growth often comes more from market appreciation than from paying down the balance. Rising home prices can create fear about waiting too long, pushing buyers to act before they’re ready. While market trends are worth paying attention to, they shouldn’t be the deciding factor. A home should fit your current season of life and support your responsibilities and priorities—not stretch your finances or limit your ability to live and give faithfully. It also helps to release the pressure of finding a “forever home.” On average, first-time buyers stay in their homes seven to ten years. Career changes, growing families, and life transitions often make moving a natural part of the journey. The first home simply needs to perform well in the current season. Rising Costs Don’t Disappear with Ownership Rising rents are another common frustration, especially when lease renewals result in higher monthly costs. But owning a home doesn’t eliminate rising expenses. While a fixed-rate mortgage keeps principal and interest steady, property taxes and homeowner’s insurance typically increase over time. Even after a mortgage is paid off, those costs remain. Maintenance is another reality worth considering. Once you own a home, repairs are your responsibility—roofs, plumbing, electrical systems, and heating or cooling issues can bring unexpected expenses. While insurance offers protection, deductibles and coverage limits often mean high out-of-pocket costs, and...

Counterfeits are dangerous precisely because they look convincing. The same is true of spiritual sayings that sound biblical but quietly distort how we think about God, stewardship, and money. Many believers can quote phrases that feel deeply spiritual—comforting even—but when placed under the light of Scripture, they don’t actually appear there at all. Or worse, they twist what Scripture truly says. These “counterfeit verses” often shape how we view success, risk, provision, and dependence on God without us even realizing it. To explore this issue, we sat down with Taylor Standridge, Production Manager of FaithFi and a regular contributor to Faithful Steward. Taylor is also the lead writer behind Look at the Sparrows and Our Ultimate Treasure. In his recent article, Counterfeit Verses: How to Spot The Sayings That Aren’t in the Bible, Taylor traces this problem all the way back to the beginning. “Did God Really Say?”—The First Counterfeit Taylor begins in Genesis 3, when the serpent approaches Eve with a deceptively subtle question: “Did God really say…?” (Genesis 3:1). This moment is critical because the enemy doesn’t begin with an outright lie. Instead, he distorts what God has said and, in doing so, undermines God’s character. The implication isn’t merely that the command is questionable—but that God Himself may be withholding something good. Once Adam and Eve doubt God’s goodness, disobedience follows naturally. That same pattern persists today. Many modern financial lies—whether cultural narratives or counterfeit verses—aren’t blatant falsehoods. They’re half-truths. They sound wise. They feel spiritual. And because they’re close enough to the truth, they feel safe. Like a ship that veers off course by only one degree, the deviation seems harmless at first. But over time, it leads somewhere very different from what was intended. At the heart of every counterfeit is the same ancient question: Can God really be trusted? Counterfeit verses don’t come with warning labels. They borrow biblical language, appeal to our emotions, and speak to real desires—hope, comfort, identity, and security. Sometimes they even quote Scripture, but rip it out of context. The danger isn’t familiarity with Scripture—it’s fragmented familiarity. When we know verses as slogans rather than as part of God’s larger story, we become vulnerable to subtle distortions. The goal, however, isn’t suspicion or cynicism. It’s discernment—learning to recognize when a truth has been nudged just slightly off course. Studying the Real Thing: A Lesson from Counterfeit Currency Taylor uses a powerful illustration from the film Catch Me If You Can. Frank Abagnale Jr. succeeds as a forger not by inventing fake money from scratch, but by studying the real thing in obsessive detail—down to the ink, paper, and watermarks. Ironically, that expertise later makes him invaluable to the FBI. Banks don’t train tellers by showing them every possible fake. They train them by handing them genuine currency until authenticity becomes instinctive. The same is true of Scripture. Discernment doesn’t come from memorizing every error—it comes from knowing God’s Word so deeply that when something sounds “almost right,” you can feel that it isn’t. Common Counterfeit Verses That Shape Our View of Money “Money is the Root of All Evil” This misquote radically reshapes our theology of money. If money itself is evil, then wealth becomes suspicious, and stewardship feels compromising. But Scripture says something far more searching: “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). The issue isn’t possession—it’s devotion. Scripture doesn’t demonize money; it disciples our hearts. “God Helps Those Who Help Themselves” This phrase flips the gospel upside down. It places self-sufficiency at the center and turns God into a backup plan. Biblically, grace always comes first. God meets us in our need, not our strength. Stewardship, then, isn’t...

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss. It’s true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other’s values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it. Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several other books with him, revealing impactful truths about relationships at home and in the workplace. A Lesson Learned Over Dinner Shaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal. It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could communicate more effectively and honor each other's perspectives. The Root of Money Conflicts in Marriage Financial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff’s national study, they found that: For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values. The Power of Communication The solution to money conflicts isn’t just budgeting or financial planning; it’s communication. It’s crucial that couples discuss not just what they want to spend money on, but why it matters to them. By having open and honest conversations about financial priorities, couples can: While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management. Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage. At the heart of every financial decision in marriage lies an opportunity to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other’s values, couples can turn money from a source of conflict into an instrument of peace and purpose. ———————————————————————————————— Shaunti Feldhahn’s full article, “Money in Marriage: It’s a Matter of Value,” appears in the 1st issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you’ll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from...

The holidays are behind us; you know what that means—it’s tax season! But before you start gathering your W-2s and receipts, there’s an important question: Do you know who will prepare your taxes this year? With a nationwide shortage of Certified Public Accountants (CPAs) and tax professionals, waiting too long to find a preparer could leave you scrambling—and vulnerable to scams. Here’s how to protect yourself and find a trusted tax preparer. Who Can Prepare Your Taxes? When hiring a tax professional, your preparer will likely fall into one of three categories: Certified Public Accountant (CPA):Enrolled Agent (EA):Tax Attorney:Each of these professionals is highly qualified—but the problem is there aren’t enough of them. There is a growing shortage of CPAs and tax professionals, largely due to fewer young people entering the field. One of the major "Big Four" firms, KPMG, continues to offer high school students internships at $22 an hour to encourage them to become CPAs. What does this mean for you? When people are desperate to file their returns, they can become easy targets for scammers who fake credentials or engage in tax fraud. How to Avoid Tax Scams and Find a Qualified Preparer To protect yourself, follow these IRS-recommended steps when choosing a tax preparer: 1. Choose a Year-Round Tax Preparer A reputable preparer should be available year-round. You don’t want your tax preparer to disappear if you get audited. 2. Verify Their IRS Credentials Ask for the IRS Preparer Tax Identification Number (PTIN). All paid tax return preparers must register with the IRS and enter their PTIN on every return they file. Check their status using the IRS Directory of Federal Tax Return Preparers at IRS.gov. 3. Look for Professional Credentials Ask if the preparer holds a credential such as: IRS.govAdditionally, inquire about continuing education, as tax laws change frequently; professionals should stay current. 4. Be Cautious About Fees Beware of tax preparers who: A legitimate preparer should charge a flat or hourly rate based on the complexity of your return. 5. Verify IRS E-File Capability Most tax preparers handling more than 10 clients must file electronically. If your preparer refuses to e-file, that’s a red flag. 6. Ensure Proper Documentation A trustworthy tax preparer will ask for the following: If a preparer doesn’t ask for supporting documents, walk away. The IRS requires proper documentation to verify your return. 7. Understand Representation Rules Only CPAs, Enrolled Agents, and tax attorneys can represent you before the IRS if you're audited. Non-credentialed tax preparers—including your math-savvy cousin Bill—cannot represent you in an audit. 8. Never Sign a Blank or Incomplete Tax Return Please review your return carefully before signing. Ensure all information is accurate, and ask questions if anything appears incorrect. 9. Your Refund Should Go to You—Not the Preparer Check the routing and account number on your tax return to ensure your refund is deposited into your own account, not your preparer’s. Looking for a Faith-Based Financial Professional? If you want to work with a tax professional who aligns with biblical financial principles, consider finding a CPA, Enrolled Agent, or tax attorney with the Certified Kingdom Advisor (CKA®) designation. To find a trusted, faith-based tax professional, visit FindaCKA.com. With tax season here, choosing a reputable, qualified tax preparer is more important than ever. Don’t wait until the last minute—start your search today to avoid scams and ensure your taxes are filed accurately and ethically. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Movement MortgageOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and...

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values. Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing. From Idea to Movement: The Story Behind Timothy Plan Before ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing. “Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?’ And the answer is simple—none.” The motivation wasn’t merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us? Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God’s resources rather than treat them as their own. What’s Driving the Momentum Today? While conviction hasn’t changed, the landscape around investing has. Mumbert points to one factor in particular: information. “When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate. That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative? With more options now available—across asset classes and risk profiles—momentum continues to build. ETFs Explained: Why They’re Attracting Faith-Based Investors Among the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation: “ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.” Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages: And most importantly for Faith-Based Investing, greater transparency reinforces values alignment. What Sets Timothy Plan’s ETFs Apart? While the vehicle may be new, the convictions behind Timothy Plan’s offerings remain unchanged. “Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven’t changed—just the investment vehicle.” Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company exposure, helping reduce the impact of major market corrections. A Growing Opportunity for Purpose-Driven Investors The rise of ETFs represents more than access—it represents maturation within Faith-Based Investing. With stronger tools, better research, and expanding product sets, Christians now have more opportunities than ever to align their portfolios with their values. For Mumbert, that alignment is not merely practical; it’s an expression of...

Many Americans are wondering whether the housing market has finally begun turning a corner—or if uncertainty is still here to stay. After years of elevated mortgage rates, stubbornly low inventory, and affordability concerns, the question feels more relevant than ever. Today, mortgage expert Dale Vermillion, author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home, joined the show to weigh in on what the 2026 housing landscape may look like and how today’s buyers and sellers can navigate it with wisdom. A More “Normal” Market Returns According to Vermillion, the extreme swings of recent years may finally be behind us. “It isn’t the market of 2020–2021 when rates were in the twos, threes, and fours,” Vermillion explains. “But it’s also certainly not 2008. This is a very normal market.” He noted that although many think of today’s mortgage rates as high, they are actually below the 30-year average. Inventory is rising, sales are stabilizing, and government attention on housing has increased. Together, these factors point toward a gradual shift into a buyer’s market—a welcome change for those who’ve spent the last few years watching listings disappear before they could schedule a tour. A common frustration remains: if rates have risen, why haven’t prices fallen faster? The answer is complex. While price increases largely flattened this year (+0.7%), Vermillion notes that the market remains regional rather than national. Certain areas have softened, but not enough to drive a nationwide price reset. A major reason: the “lock-in effect.” Millions of homeowners refinanced below 3% in 2020–21 and weren’t willing to trade those rates for a higher one. But as Vermillion observes, that dynamic is fading. For the first time in years, more loans now exist above 6% than below 3%, allowing inventory to loosen. Why Fed Rate Cuts Don’t Equal Lower Mortgage Rates Even though the Federal Reserve has been cutting rates, mortgage rates haven’t always followed. That’s because mortgage rates are tied more closely to the bond market, inflation data, and job reports—not directly to the Fed’s benchmark rate. Another overlooked factor: mortgage-backed securities (MBS). When the government increases MBS purchases, mortgage rates often decline more reliably than when the Fed cuts consumer rates. The emotional side of the housing market can’t be ignored. The bidding wars of 2020–21 left many would-be buyers discouraged. But Vermillion believes attitudes are shifting: “Inventory is up from roughly 450,000 units nationally early last year to over a million now. So from a buyer standpoint, it’s time to be encouraged again.” With more sellers re-entering the market, buyers have choice again—and choice increases leverage. Vermillion stressed that affordability challenges today are driven as much by property taxes and insurance costs as by mortgage rates. Homeowners in several states have seen insurance premiums and assessments climb dramatically—sometimes outpacing wage growth. For aspiring first-time buyers, budgeting remains the first step. Vermillion’s advice: determine what you can afford before visiting a lender, rather than letting a lender tell you what qualifies on paper. For First-Time Buyers: Get Pre-Approved, Not Pre-Qualified A true pre-approval involves: This makes offers more competitive and prevents buyers from shopping at unrealistic price points. During the pandemic boom, paying $20,000–$50,000 above asking price became the norm in many markets. Vermillion notes that this period has largely ended: “Homes today are selling around 94–97% of the listing price in most areas. We’re not seeing bidding wars like before.” For buyers, that’s stabilizing. For sellers, it simply resets expectations toward reality. Move-Up Buyers: Timing May Be Better Than You Think For homeowners considering a move—whether for space, schools, or lifestyle—Vermillion’s advice mirrors that given to first-time buyers: set a...

Sports betting is exploding across the country. With online platforms, mobile apps, and aggressive marketing, it’s never been easier to gamble — or easier to hide it. What many view as harmless entertainment may actually be reshaping how we think about money, community, and even discipleship. Pastor and author Kyle Worley—Lead Pastor of Mosaic Church in Richardson, Texas, co-host of the Knowing Faith podcast, and author of Home with God: Our Union with Christ—recently wrote on this growing trend for Faithful Steward magazine. Today, he joins the show to explain why the rise of sports gambling deserves more careful thought from believers. A Different Kind of Gambling Sports gambling carries a unique appeal. Unlike casinos or the lottery, it taps into nostalgia, play, and community. “Sports connect to childhood memories and communal experiences,” Worley notes. “That nostalgia makes sports betting feel natural, even harmless.” The danger lies in how subtly wagering attaches itself to something already meaningful—games shared with friends, family, or childhood heroes—making it easier to dismiss spiritual risks. What Does Scripture Actually Say? The Bible does not explicitly outlaw gambling. But it repeatedly warns against the desire for quick, hasty gain. Worley points to 1 Timothy 6:9–10, noting that it speaks directly to the temptations and destruction tied to wealth pursued rapidly and without wisdom. Gambling fits that pattern. Scripture’s concern is not merely financial but formational. Gambling trains us to view wealth through the lens of chance, speed, and self-interest—the opposite of stewardship, patience, and contentment. The spiritual stakes aren’t just internal. They are profoundly communal. Worley cites Old Testament scholar Bruce Waltke: “The righteous disadvantage themselves for the sake of the community; the unrighteous advantage themselves at the expense of the community.” Modern betting apps are built on asymmetric outcomes—they profit only because others lose. And statistically, those losses fall disproportionately on the vulnerable. Many platforms use predatory models: Worley compares it to handing a chainsaw to a child—unjust simply because not everyone absorbs the harm equally. Normalization and Cultural Formation Sports gambling has moved from taboo to mainstream with startling speed. Betting lines now appear on ESPN, broadcasts, and social media—even during youth-oriented sports programming. The result: a generation being formed to see gambling as normal and morally neutral. Worley warns that where gambling proliferates, other forms of exploitation follow — including human trafficking during major sporting events. While the Bible may speak indirectly about gambling, it speaks directly about exploitation. Some point to the biblical practice of casting lots as justification for gambling. Worley draws a sharp distinction: Casting lots was a religious act of trust—not a wager. It carried no profit motive and served no entertainment purpose. Reframing it as support for modern gambling misunderstands its role entirely. How Churches Can Disciple Better For pastors and ministry leaders, Worley offers three recommendations: Talk More About Money -Address “Respectable” Vices -Create Healthy Avenues for Play and Connection -The Wisdom Required Today In the end, debates about whether gambling is technically permissible miss the deeper biblical question: Does this help me love God and neighbor well? Worley’s counsel is simple: navigate these decisions in community, under Scripture, with wisdom. Quick profit is never neutral—it forms us. And it shapes the people around us. As sports betting continues to surge, Christians will need more than opinions. They will need conviction, clarity, and a vision of stewardship that honors God and protects the vulnerable. ——————————————————————————————————————— Kyle Worley’s full article, “The Real Stakes of Sports Betting,” appears in the latest issue of...

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. Track your family's progress and celebrate milestones together. Join a giving circle. Partner with friends or your small group to pool resources for a cause you all care about. Create a stretch goal. As your income grows, commit to increasing your giving percentage over time. 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...

Are you looking for tools that clarify, simplify, and anchor faithful stewardship in biblical wisdom? That question has shaped our vision for the newly updated FaithFi app—a discipleship tool designed to help you build financial rhythms that bring peace, clarity, and Christ-centered focus to your money decisions. To help unpack what’s new, we sat down with Chad Clark, Chief Technology Officer at Kingdom Advisors and FaithFi. Chad has led the development of the FaithFi app since day one, shaping it into a tool that serves real families seeking to honor God with His resources. When the app first launched, the goal was straightforward: build a biblical stewardship tool that was both practical and accessible. Early versions focused primarily on budgeting and cash-flow management. Over time, the app expanded to include a robust content library of articles, podcasts, and videos, along with a community discussion board—features that helped users learn and encourage one another. This latest update is the biggest we’ve ever released, and Chad explains what guided the development: “One of the most important questions we can ask when building technology is: How do we make it simpler for the user? Money can be complex. Budgeting software shouldn’t make it harder.” To solve that problem, the update introduces: These upgrades are designed to help users spend less time tinkering with tools and more time reflecting on the why behind their financial decisions. One of the standout features in the new update is something we’re calling Rhythms—structured daily, weekly, and monthly check-ins that help users slow down, reflect, and respond thoughtfully rather than react impulsively. Daily rhythms pair brief transaction reviews with short devotionals and reflection questions. Weekly and monthly rhythms zoom out, helping users observe habits, cash-flow patterns, and financial goals—all with suggested adjustments and heart-level reflection prompts. Chad notes that these rhythms are especially powerful for couples who want to cultivate greater unity and shared stewardship. With a simple weekly or monthly check-in, couples can talk, plan, pray, and adjust together. The update also brings FaithFi content directly into the app in a more seamless and beautiful way. Faithful Steward magazine articles will now have a mobile expression, and studies and devotionals will soon follow. It’s one more way the app is becoming a true financial discipleship environment rather than just a budgeting tool. The app now includes optional AI features—but with intentional guardrails. All AI is opt-in, self-hosted, and never sent to third-party models. The goal isn’t novelty or complexity; it’s simply to automate tedious workflows and simplify budgeting so users can focus not merely on what they’re doing with money, but why. “The goal,” Chad says, “is to help people be attentive and obedient to what God is calling them to do with what He’s entrusted to them.” Stewardship grows when we slow down, pay attention, and invite God into the decisions we make with His resources. The updated FaithFi app was built to help you do exactly that—establishing rhythms that encourage wisdom, gratitude, reflection, unity, and greater participation in God’s Kingdom work. The new version is available now. Just search FaithFi in your app store, or visit FaithFi.com and click App. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Kingdom Advisors University PartnershipsOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom 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...

For most of us, water is rarely something we think about. It’s as close as the kitchen sink, the refrigerator door, or the bottle beside us at work. But for millions of people around the world, clean water remains out of reach—and the consequences stretch far beyond thirst. Jesus once said, “And if anyone gives even a cup of cold water to one of these little ones… that person will certainly not lose their reward” (Matthew 10:42). On today’s episode of Faith & Finance, Aaron Griggs of Cross International shows us just how literal—and transformative—that cup of water can be. Globally, 2.2 billion people still lack access to safe drinking water. In places like Zambia, Malawi, and Uganda, the crisis is especially severe. Women and children often walk long distances every day to gather water from open pits shared with animals. The water is contaminated, illness is common, and the time lost reinforces generational poverty. Girls miss school, mothers miss work, and entire communities struggle to flourish. This quarter, FaithFi is partnering with Cross International, a Christ-centered humanitarian ministry working alongside local churches and Christian leaders to meet urgent needs and create sustainable change. Their work in Sub-Saharan Africa is showing what can happen when clean water meets the living water of the gospel. After a well is installed in a village, physical health improves quickly—but the long-term effects are even more remarkable. Hours once spent fetching water are freed for school, work, farming, and small business. Women gain economic opportunity. Children gain education. And through Cross International’s ministry partners, families are introduced to Jesus, often receiving their first Bibles in their own language. One woman in Zambia described this transformation with simple gratitude: “I never knew that I would be where I am now. My family is healthier, and my children are in school. God has blessed us.” Another woman, Grace, shared how access to water restored not only her family but also her church. For years, her congregation met under a tree because there wasn’t enough water for construction. After a new well was installed, the church was rebuilt, children joined their parents in worship, and an entire community experienced renewed dignity and hope. Her favorite Scripture says it best: “Whoever believes in me… rivers of living water will flow from within them.” — John 7:38 Cross International’s work meets physical needs, but always in the name of Christ. Water is a doorway—opening opportunities for flourishing today and pointing to eternal life in Him. That’s why FaithFi is partnering with Cross International this quarter to serve 250 children across Malawi, Zambia, and Uganda, providing not only clean water but also food, education, and the hope of the gospel. For just $62, one child receives these essential resources for a year. Every gift supports not just a child, but often an entire family and community, moving them toward long-term stability and lasting hope. Clean water changes everything—it restores dignity, strengthens families, and reflects the life-giving love of Christ. To learn more or to join us in this effort, visit: FaithFi.com/Cross. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Cross InternationalNational Association of Insurance Commissioners (NAIC)TrumpAccounts.govOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom 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...