Faith & Finance

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner. Okay, a bit of levity to start the program today, but you know what’s serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today’s real estate and mortgage trends. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective. Is Spring Still a Seller’s Market? While spring and summer are still active seasons, seasonality in real estate isn’t what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time. There’s a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days. With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021. Selling a Home? Stand Out With These Tips If you’re on the selling side, you’ll need more than a “For Sale” sign. Here are a few key steps to rise above the noise: Price your home right from day one. Stage your home well. Declutter and simplify.Buying a Home? Here’s How to Prepare Wisely For starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified. This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that’s the other key point—know your budget. Don’t rely solely on what a lender says you qualify for. What About Mortgage Rates in 2025? Many are still waiting for interest rates to drop—but experts say don’t hold your breath. The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note. As inflation eases, mortgage rates may follow, but they’re expected to remain relatively stable for now. If you’re a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineBankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

“Where your treasure is, there your heart will be also.” — Matthew 6:21 That powerful truth from Jesus captures the heart of FaithFi’s mission and vision. If money issues are ultimately heart issues, then we need more than financial tips—we need a heart change that helps us see God as our ultimate treasure. Today, Taylor Standridge joins us to explore the deeper purpose behind FaithFi and how you can partner in that mission. Taylor Standridge is the Production Director of FaithFi: Faith & Finance and the co-author of Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. When Your Peace Rises and Falls with the Market It’s pretty ironic that the stock market graph sometimes looks like a heart rate monitor. The point? Many people’s emotions—and even their sense of hope—are tied to their financial situation. When the market dips, so does their peace. But Scripture offers a better way: “Some trust in chariots and some in horses, but we trust in the name of the Lord our God” (Psalm 20:7). If your peace mirrors the market, it may be a spiritual warning light. Scripture calls us to set our minds on things above, not on the volatility of our savings accounts. Why Our Mission at FaithFi Matters At the core of FaithFi is a calling to help people glorify God through wise financial decisions. But our vision shapes how we do it: to see every Christian view God as their ultimate treasure. In Jesus's words during the Sermon on the Mount, Matthew 6:21 tells us, "Where your treasure is, there your heart will be also.” Christian finance is about more than avoiding debt or giving to good causes. Those are great goals, but Jesus is calling us to something deeper: to reexamine what we treasure in the first place. It’s not about giving more, it’s about loving God more. That’s why even the Pharisees, who gave plenty, were still rebuked—because their hearts weren’t surrendered. When Christ becomes our greatest joy, giving becomes cheerful, not dutiful. The Daily Struggle: Trusting God or Trusting in Wealth One of the biggest struggles we see on the show frequently is the tension between trusting God and trusting in financial security. The culture says to get more and upgrade everything. But the gospel calls us to steward our resources for God’s Kingdom. Ultimately, money can never define our worth—it can only serve as a tool when our identity is rooted in Christ. Wisdom Over Wealth: What Ecclesiastes Teaches Us This book reminds us that wealth, possessions, and even success are fleeting. Apart from God, they’re meaningless—just vapor, or ‘hevel’ as Ecclesiastes puts it. But when we view money as a gift from God, not the goal, its purpose becomes clear. Ecclesiastes invites us to stop chasing what won’t last and start investing in what will. That’s why we’re excited about the release of our latest study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, authored by John Cortines. Ecclesiastes speaks so much to our modern struggles with wealth, showing us both the futility of placing our hopes in riches and the true path to a life grounded in God’s wisdom. You’ll find that this study will challenge you to rethink your relationship with money and inspire deeper trust in God’s provision and sovereignty. To get your copy, you can either pre-order it at FaithFi.com/Shop or request a copy to be sent to you when you make a gift of $35 or more to the ministry of FaithFi at FaithFi.com/Give. Practical Tools for a Biblical Approach to Finances FaithFi isn’t just about biblical theory—it’s about real-life application. There are several ways we equip people to live out God-honoring stewardship: The FaithFi AppCertified Christian Financial Counselors (CertCFCs)Certified Kingdom Advisors (CKAs) Radio + Podcast Devotionals & StudiesLook at the SparrowsWisdom Over Wealth Faithful Steward MagazineJoin the Movement: Become a FaithFi Partner The best way to support FaithFi's work is to become a FaithFi...

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5 Mother’s Day invites us to reflect on the deep, often quiet influence of a mother’s faith. The Apostle Paul’s words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy. A Mother’s Work: Beyond Measure When we think about the value of moms, it’s usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can’t be priced. But what if we did try to measure the economic value of a mother’s daily work? According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor. Based on these duties, a mother’s annual salary would exceed $185,000—and that’s before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she’s worth every penny. Still, even that figure falls short of her true worth. The value of a mother’s love and faithfulness can’t be calculated. It's personal. It's spiritual. It’s eternal. How Scripture Calls Us to Honor Mothers The Bible doesn’t just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman’s reward: “Her children rise up and call her blessed; her husband also, and he praises her.” Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God’s love in your life. But biblical honor doesn’t end with gratitude. It matures into care, especially as our mothers age. Honoring Through Care: A Biblical Mandate In Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God. In today’s terms, honoring your mother might look like: These acts aren’t just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life. Honoring a Legacy of Faith Whether it’s your biological mom, your wife, a grandmother, or a spiritual mother who’s poured into your life, this Sunday is your opportunity to show them they’re not alone or forgotten. Let her know she’s seen. Let her know she’s loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn’t wasted. It is, in fact, shaping generations and pointing hearts toward Jesus. Because when a mother models faith, she’s not just building a home—she’s shaping eternity. This Mother’s Day, let’s rise up and call her blessed, not just with words, but with actions that honor God and her. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“The prudent sees danger and hides himself, but the simple go on and suffer for it.” – Proverbs 22:3 That verse reminds us that wisdom means planning ahead, especially when it comes to life’s most serious emergencies. If something were to happen to you, would your family know how to manage the finances, pay the bills, or access important documents? Today, Dr. Art Rainer joins us to walk through how to create a financial emergency binder. Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose. Why Planning Ahead Matters Life is full of unexpected turns, and while we trust God in all things, wisdom calls us to prepare, especially when it comes to our finances and family care. Consider the questions every household should be able to answer: Sadly, many families are left overwhelmed and directionless in moments of crisis because these preparations were never made. Yet this kind of confusion can be avoided through a simple but powerful step: organizing essential information before it’s urgently needed. The Power of an Emergency Binder An emergency binder is a centralized location—digital and physical—where your most critical information is stored. This includes: Preparing an emergency binder may not feel urgent, but when the unexpected happens, it becomes priceless. Organizing your household’s key information is a tangible expression of love, wisdom, and care. It’s a simple act of stewardship that offers comfort, clarity, and care when it matters most. How to Get Started Creating an emergency binder might sound overwhelming, but it doesn’t have to be. Here’s a simple approach: work on one section at a time. Set aside 30 to 60 minutes a day to focus on gathering the necessary documents for each category. This bite-sized method turns a daunting project into a doable one. And once it's complete? Print it out. A red three-ring binder is a wise choice for easy identification in an emergency. Store it in a secure, fireproof location, and ensure that your loved ones are aware of its location. It’s also wise to keep a digital backup, securely stored and shared with trusted family members. If you’re thinking, “I wish someone would just do this for me,” you’re in luck. Art and his team have created The Essential Emergency Binder—a beautifully designed resource with over 60 pages of templates and instructions to help you get started quickly and confidently. You can find it at EssentialEmergencyBinder.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineEssential Emergency BinderWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

If you believe the highest goal of investing is simply to earn a high return, you may be overlooking a deeper purpose—how our money can be used for good. As investors, we’ve been given resources to manage, not just for profit, but in alignment with God’s will and values. It’s easy to see investing through a purely earthly lens, but God invites us into a much greater story. Today, Robin John joins us to explore that bigger vision. 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 forthcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World. A Vision for Redemptive Investing Eventide’s tagline—“Investing that makes the world rejoice”—is more than marketing. It’s a biblical conviction inspired by Proverbs: “When the righteous prosper, the city rejoices, but when the wicked perish, there are shouts of joy.” – Proverbs 11:10 Righteousness, in this context, refers to those who seek the good of others. The righteous prosper by looking out for the people in the city. But the wicked prosper through exploitation, especially of the poor. That leads to groaning, not rejoicing. For Eventide, investing is about more than avoiding harm. It’s about actively investing in companies whose products and practices bring tangible good into the world—serving real needs, not exploiting vulnerabilities. Can You Do Good and Do Well? A common concern among faith-based investors is whether aligning values with investments means sacrificing returns. Romans 12 tells us “not to conform to the patterns of this world but be transformed by the renewing of our minds.” That means we should be willing to make sacrifices if necessary. But that doesn’t mean underperformance. Research from the Biblically Responsible Investing Institute, drawing on a 19-year study, compares values-based screening (which excludes companies involved in activities such as abortion, pornography, and tobacco) with the S&P 500 and yields equivalent long-term returns. It’s a myth that you must compromise performance to honor your faith. At Eventide, they don’t just avoid the bad—we seek out the good. The Ultimate Question, as posed by Bain consultant Fred Reichheld, also found that the most successful companies are those that best serve their customers and employees. Serving people well is good business, and it often leads to long-term outperformance. Why How You Make Money Matters John Wesley once said, ‘Make all you can, give all you can, but make all you can without hurting yourself or your neighbor.” Proverbs 1:19 also warns against partnering with those who gain through unjust means. It’s not just what we give—it’s how we earn that matters to God. Ill-gotten gain is not pleasing to Him. Generosity isn’t limited to charitable giving. A teacher choosing to serve children instead of pursuing a higher-paying career is living generously, even without writing a check. The Good Investor Robin's passion is to see everyday Christians empowered to invest in ways that reflect their values. His upcoming book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, aims to help believers do just that. The Good Investor doesn’t stop at money—it’s also a book about purpose and calling. Don’t assume your calling means you have to start something new. Many Christians are exactly where God needs them to be. The real challenge is to recognize your work as valuable to God and do it in a way that reflects His goodness. Psalm 1:3 emphasizes that the blessed life is rooted in delighting in God’s Word and walking in His ways: “That person is like a tree planted by streams of water...whatever they do prospers.” Robin’s new book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World, will be released on July 22 and is...

Are our efforts to help the poor always helpful, or could they sometimes do more harm than good? Today, we’ll explore how short-term missions can genuinely reflect the heart of Christ and bring lasting change, without unintentionally hurting the very people we aim to serve. Dr. Brian Fikkert joins us for that conversation. Dr. Brian Fikkert is a Professor of Economics and Community Development and the Founder and President of the Chalmers Center for Economic Development at Covenant College in Lookout Mountain, Georgia. He is also the co-author of the book, Helping Without Hurting in Short-Term Missions. What Is Poverty—Really? Americans often define poverty materially—a lack of necessities, such as food, clean water, clothing, or shelter. As a result, short-term mission trips often center around distributing goods or completing construction projects. But when you ask materially poor individuals around the world what poverty means to them, they describe feelings of shame, helplessness, and a lack of dignity. This reveals a disconnect: while we view poverty as a lack of material possessions, those experiencing it often define it in relational, psychological, and spiritual terms. True poverty is brokenness in relationship—with God, self, others, and creation. That insight should transform how we approach short-term missions. Even the most well-intentioned trips can do harm. Why? Because those going on these trips may carry pride, believing they have the answers or that their culture holds superiority. In contrast, those in materially poor communities often struggle with inferiority. That combination can worsen the very sense of worthlessness we hope to alleviate. Rather than reinforcing this brokenness, we should pursue humility and listen more than we speak. The goal should not be to "fix" but to restore—to foster healthy relationships that reflect the image of God in all people. Presence Over Projects Short-term trips shouldn't be about what we accomplish but about who we become in relationship. If poverty is rooted in broken relationships, then the solution is to restore people to right relationships. And that doesn’t come through handing out supplies or completing a checklist—it comes through deep, lasting community. That’s why the local church is God’s primary instrument of restoration. Mission teams should support these churches in a “backstage” role—serving quietly, praying faithfully, and encouraging leaders who are already embedded in the community. Sometimes the best thing you can do is babysit the pastor’s children so he and his wife can enjoy a night out. That kind of support strengthens the long-term work far more than any single project ever could. The Sending Church’s Role in Long-Term Success Many short-term trips blur the line between gospel and Western culture. But the gospel transcends culture—and so should we. Colossians 1 reminds us that Christ is the Creator and Sustainer of all things. That means He is already at work in every community, regardless of how impoverished it may seem. When mission teams enter a new culture, they should approach it reverently, as if stepping onto holy ground. There is beauty in every culture, and highlighting it can be healing. Simply asking, “What’s good here?” affirms the image of God in others and begins the work of restoration. How can the sending church help ensure long-term success in missions? It’s not about executing a flawless trip. It's about fostering enduring partnerships with local ministries. That includes showing up year after year, offering consistent prayer and support, and being safe spaces where local leaders can be authentic. Success is not measured by how much we build but by how deeply we walk with others through life. Fundraising as a Form of Discipleship Short-term mission fundraising can also be reframed. Young people often feel pressure to produce tangible results in exchange for financial support. But if the goal is to learn and...

"For my thoughts are not your thoughts, neither are your ways my ways, declares the Lord. For as the heavens are higher than the earth, so are my ways higher than your ways and my thoughts than your thoughts." - Isaiah 55:8-9 You don’t have to study Scripture long to realize that God’s wisdom differs sharply from what the world considers wise. John Cortines joins us today to talk about the nature of wisdom, and spoiler alert— it’s a Person, not a thing. John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart. The True Nature of Wisdom In our modern world, we often equate wisdom with knowledge, education, and the ability to make good decisions. While these aspects are certainly part of it, Ecclesiastes teaches us that wisdom is far more than intellectual mastery or a collection of best practices. In fact, wisdom is not just a set of principles—it is a person. That person is Jesus Christ. Throughout Ecclesiastes, the Preacher (likely King Solomon) wrestles with the big questions of life: What is our purpose? Where can we find joy? How should we handle money? The book explores the various paths people take—seeking pleasure, accumulation, and status—but ultimately concludes that all these pursuits are vanity, or "chasing after the wind." The key takeaway? True wisdom is found in fearing God and keeping His commandments. But it's not merely about following rules—it’s about cultivating a relationship with God through Christ. Ecclesiastes isn’t just a book about the limitations of human wisdom; it points us to the deeper truth that wisdom is found in a relationship with God. Near the end of Ecclesiastes, we read that "the words of the wise are like goads," and these words come from "one shepherd." Interestingly, this shepherd's identity is made clear in the New Testament, where Jesus identifies Himself as the Good Shepherd in the Gospel of John. Not only does Jesus impart wisdom, but He is wisdom. In Colossians, we learn that Jesus is the one who orders and sustains all things—He embodies wisdom. Paul writes in 1 Corinthians 1:30 that Jesus became "to us wisdom from God, righteousness, and sanctification." This concept shifts our understanding of wisdom from a set of teachings to a relationship with a person. Ecclesiastes and the Limitations of Human Wisdom Ecclesiastes acknowledges the limits of human wisdom. Even Solomon, renowned for his wisdom, struggled to make sense of life’s paradoxes. He sought knowledge, but it never gave him lasting meaning. In fact, knowledge alone cannot answer the deeper questions of life, such as suffering, uncertainty, or death. True wisdom isn't found in education or achievement; it's received from outside ourselves. Proverbs 9:10 states, "The fear of the Lord is the beginning of wisdom," and in the knowledge of the Holy One, there is insight. True wisdom is about trusting in Christ, who alone leads us into all truth and understanding. Walking in Wisdom with Christ If wisdom is a person, the way to grow in wisdom is to walk closely with Jesus. John offers some practical ways to deepen our relationship with Christ and grow in wisdom: Spend time in God’s Word:Pray and seek His guidance:Live in obedience:Surround yourself with wise counsel:Trust God in times of uncertainty:Develop a heart of gratitude:These steps, though simple, shape our lives and our relationship with God. They allow us to grow in wisdom and understanding as we live in step with Christ. The Connection Between Wisdom and Finances One area where wisdom plays a critical role is in our financial lives. The way we handle money is closely tied to our spiritual journey, and the book of Ecclesiastes speaks directly to this....

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23 It’s easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn’t come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement. Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World. Rediscovering Purpose in Retirement What if retirement wasn't the end of something, but the beginning of something far greater? With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?” Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today’s media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing. A Biblical Alternative: Eldership, Not Escape The Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn’t “quitting”; it’s wise delegation and reorientation. There’s a three-part vision in light of this: The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates. A Path Forward: Rest and Renewal We encourage retirees to start with rest, not for rest’s sake, but to re-center and listen for God’s leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life’s transitions. It’s recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God’s direction. Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it. As Psalm 92:12–14 reminds us: “The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.” So what’s next? Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet. It’s time we shifted the retirement conversation from numbers to calling. Embrace an Uncommon Retirement If you're ready to rethink retirement, pick up Jeff’s book, An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life. And if you want to read Jeff’s full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give. Because retirement isn’t the end—it’s the start of a new mission. Let’s live it well. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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)...

Larry Burkett often said that capitalism must be tempered by Christian love, compassion, and stewardship. Proponents of capitalism and free markets don’t often express that concern, just as believers in social welfare rarely count the cost. Jim Jones joins us today to talk about a new way of looking at those ideas. Jim Jones is a Chartered Financial Analyst® (CFA®) and Certified Kingdom Advisor® (CKA®). He is also the author of Utopia Reimagined: An Allegory of Capital and Conscience. A Unique Approach to Biblical Economics Unlike typical finance books, Utopia Reimagined is a novel—a work of fiction designed to explore serious biblical and economic themes through story. Why fiction? Jesus often used storytelling to challenge people’s assumptions and invite deeper reflection. From the Good Samaritan to the Prodigal Son, stories have the power to stick with us in ways data and arguments often can't. As G.K. Chesterton once quipped, “Novels are more true than science textbooks. Life is sometimes like a science textbook, but life is always a story.” The Journey of Alexander and Pauline The novel follows two siblings—Alexander and Pauline—on a journey through contrasting societies, each representing different economic and political ideologies. Alexander, a gifted but oppressed peasant in 18th-century France, escapes a feudal system to explore new societal models. His journey takes him through a magical cave into Santosa—a society with socialist tendencies—and eventually to New York City, the heart of free-market capitalism. Along the way, Alexander wrestles with the tension between opportunity, freedom, and justice. Pauline’s journey is more focused on the moral and cultural fabric of each society. Her lens offers readers a parallel exploration of what’s right, just, and good—not only economically, but relationally and spiritually. Through these characters, readers are invited to explore how faith shapes our perspectives on power, wealth, justice, and human dignity. Some characters see everything through the lens of faith, while others struggle to integrate it or reject it altogether. The beauty of storytelling is that it doesn’t just show you what people believe, but why they believe it. That builds compassion and opens the door to real understanding. What Does a Biblical Utopia Look Like? In the final chapters of the novel, Alexander and Pauline discover a society that reflects the fullness of God’s Kingdom—a glimpse of the new heavens and the new earth. It’s a world where work, community, economics, and leadership are all governed by Christ’s nature: sacrificial love, justice, and peace. But how do we pursue this kind of utopia now? Real change begins not at a national or global level, but in our local Christian communities. Reflecting God's image means practicing agape love—self-sacrificing care for one another—in how we use our time, money, influence, and power. We do that in community, not alone. Bringing the Vision to Life More than just a novel, Utopia Reimagined is a tool for discipleship and transformation. It’s a call to rethink how we live, give, work, and govern in light of God’s design. Through this engaging allegory, Jim Jones invites believers to dream again—anchored in Scripture and empowered by the Spirit—to reflect the Kingdom of God on earth as it is in heaven. That’s why he has developed a discussion guide for churches, small groups, and communities who want to go deeper. It’s available at utopiareimagined.com, where readers can also purchase the book or join a virtual conversation with Jim himself. And for a limited time, the Kindle edition is available for just $1.99. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineUtopia Reimagined: An Allegory of Capital and Conscience by James G. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial...

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio. Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. What Is an ETF—and How Does It Differ from a Mutual Fund? Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions. ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes. Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It’s also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider. While some ETFs are straightforward, others are complex. For example, oil futures ETFs don’t always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions. Faith-Based Investing with Praxis Historically, faith-based investing has centered around mutual funds. But that’s changing. Praxis recently launched two ETFs designed with Christian values at their core: PRXGPRXV:These funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement. For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It’s vital to have Christians at the table asking not just what is possible, but what kind of future we want to create. If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don’t compromise on financial performance. Learn More You can explore Praxis’s biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com. Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it’s possible to steward God’s resources with wisdom, impact, and integrity. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazinePraxis Investment ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“The Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25 We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope. 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. When Life Doesn’t Go According to Plan Whether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair. In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us. When our expectations are shattered, our reactions often fall into two extremes: Resignation:Control:Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind. Psalm 27:14 says, “Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!” Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, “The work God wants to do in us while we wait is as important as what we are waiting for.” Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way. Practical Steps for Seasons of Waiting Drawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting: Acknowledge God is at work“I am doing a work in your days that you would not believe if told.” Change your perspective Worship in the waitingFor those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand. And that’s not just a consolation—it’s a promise. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it’s not because money is the most important topic. Rather, it’s because money is one of the most accurate indicators of what’s going on in our hearts. If you explore this subject, you’ll find stats like “1 out of every 7 verses in which Jesus speaks involves money,” or “11 of His 39 parables are about money.” While I’m not sure if those stats are accurate, it is true that Jesus mentions money a lot. However, His teaching is rarely about money itself. It’s always about something bigger, looming in the background. Money isn’t just a resource; it’s a reflection. It reveals our priorities, fears, hopes, and values. Whether we live paycheck to paycheck or have significant wealth, we all wrestle with what money means to us. That’s why Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.” From personal stress to relationship breakdowns, money often acts like a magnifying glass. It brings underlying values to the surface. For example, in marriage, financial tension is often less about dollar amounts and more about differences in values, such as security versus spontaneity, generosity versus comfort, and planning versus pleasure. Every Financial Decision Is a Spiritual One Even small spending decisions carry spiritual weight. That morning latte? Those new shoes? They may seem trivial, but they reflect priorities. Matthew 6:24 reminds us that “no one can serve two masters…you cannot serve God and money.” This doesn’t mean we can’t enjoy God’s provision. In fact, Ecclesiastes 3:12–13 says, “There is nothing better…than to be joyful and to do good…also that everyone should eat and drink and take pleasure in all his toil—this is God’s gift.” However, that enjoyment must be balanced with the bigger picture: Are our financial decisions aligned with God’s heart? In marriages and relationships, conflicting values around money are common, and they’re not necessarily wrong. One spouse may dream of traveling to create family memories, while the other may want to boost their retirement savings. Both can honor God. The key is discovering common ground and inviting God into the conversation. Howard Dayton, the previous host of this program, used to say, “It’s hard to quarrel when you’re praying together.” Prayer aligns our hearts before we try to align our plans. Through honest conversations and mutual respect, differences can become opportunities for growth rather than division. If money disagreements persist, don’t hesitate to bring in wise, biblical counsel. A financial advisor—especially a Certified Kingdom Advisor®—can help couples or individuals uncover shared goals and develop a plan that honors God and promotes unity. The Bottom Line: God Wants Your Heart Whether you’re facing a tough decision or navigating financial tension in your home, remember: it’s not ultimately about the money. God is after your heart. And when your heart is surrendered to Him, your financial decisions will reflect that trust. So whatever you’re facing today, don’t walk through it alone. Pray. Talk. Seek wisdom. And above all, treasure Christ above all else. When He has your heart, everything else—including your finances—will follow. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Summer’s not that far off, and the kids are already thinking “vacation.” Will you be ready for it? How can you make great family memories without breaking the budget? That’s always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation. Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. How to Take a Great Family Vacation Without Breaking the Bank Planning a family vacation is one of life’s great joys—and, if you’re not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret. 1. Start with a Plan—and Start Early Plan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like Google Flights to find the best travel deals. Google Flights lets you enter your preferred dates and search anywhere for the lowest fares. It’s a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it’s staying near the beach, and you're willing to save by eating in. 2. Look for Free Activities You’d be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories. 3. Get the Whole Family Involved Vacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they’re not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip. This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun. 4. Be Strategic About Meals Eating out can quickly blow your vacation budget. Instead, be intentional. That’s why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home. Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It’s way cheaper than dining out every meal. Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost. 5. Set a Daily Spending Limit One final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun? This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort. Remember that the best vacation is the one you come home from without credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable. Want more money-saving tips from Crystal? Visit MoneySavingMom.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineMoneySavingMom.comGoogle FlightsBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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...

What’s the difference between a bank and a credit union? More than you might think. At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why. Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. A Different Kind of Financial Institution Credit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent. However, Christian Community Credit Union (CCCU) goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom. At Christian Community Credit Union (CCCU), they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments. Surprising Strength in Rates and Services Many people assume credit unions can’t compete with traditional banks regarding rates, but that’s a misconception. Because credit unions don’t exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees. Here’s a snapshot of Christian Community Credit Union’s (CCCU) current offerings: Harvest High-Yield Checking:Harvest High-Yield Savings:Welcome CD:Cash Back Credit Card:andCCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support. Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like FaithFi and Compass Financial Ministry to help our members grow in their financial discipleship. It’s not just about managing money well—it’s about managing money faithfully. Funding Ministry and Fueling the Gospel One of the most inspiring aspects of CCCU is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need. From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily. Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide. Becoming a Member is Easy So, how can you join? Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member. With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory. To learn more or become a member, visit joinchristiancommunity.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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...

Did you know there’s a way to tap into your home’s equity for tax-free cash—without having to make monthly payments? It’s true. It’s called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today’s reverse mortgage isn’t what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you. 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. What’s Changed? A Safer, Regulated Option When you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past. Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan’s term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA). No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn’t change, and homeowners are protected. These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling. Are Reverse Mortgage Interest Rates Too High? It’s a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn’t apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated. Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren’t sacrificing much, if anything, in interest when compared to forward mortgages. What About Costs and Obligations? The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance. This insurance offers three essential guarantees: Yes, this insurance adds about 2% of the home’s value to the upfront costs, but it’s well worth it—just like homeowner’s insurance is worth it if your house burns down. What Happens When the Borrower Passes Away? A major concern many have is what happens to the home after the homeowner dies or permanently moves out. The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000. Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning. Flexible Payout Options One of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways: The big idea? Your home is not just a place to live—it’s also a financial asset that can be used strategically, especially in retirement. Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home. Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money...

“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - Psalm 82:3–4 As followers of Christ, we’re called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. ​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at Heart for Lebanon, an underwriter of Faith and Finance. The Crisis Behind the Headlines In a society shaped by shame-and-honor dynamics, without a biblical understanding of human dignity, refugee girls—especially Bedouin and Kurdish—are often seen as burdens or liabilities. Add to that multiple wars, a collapsed economy, and weak legal protections, and the danger becomes tragically clear: girls are exploited because they’re seen as expendable. But Heart for Lebanon is stepping in not just to rescue—but to prevent. That may sound counterintuitive until you hear stories like Ferial’s—a grandmother who joined a literacy class to model a different future for her granddaughters. After coming to know Christ through Heart for Lebanon, she said, “I can’t change what happened to my daughters, but I can change the future for my granddaughters.” Prevention means investing in the whole family unit. It means addressing spiritual, emotional, and physical needs by offering: One of the most moving examples is Alima, a 10-year-old enrolled in Heart for Lebanon’s Hope Education Program. Her mother, under cultural and financial pressure, began pushing Alima to abandon school and enter into marriage. But because of the truth Alima had learned through Heart for Lebanon—truth about Jesus and her God-given worth—she found the courage to push back. Her bold faith not only protected her from child marriage but, through prayer and persistence, led to her mother’s salvation as well. This is the ripple effect of prevention-centered ministry. Real Change Through Holistic Ministry The key to sustainable impact is community transformation. The goal isn’t to isolate and remove girls from danger—which can sometimes cause more trauma—but to reshape families and communities from within through Gospel truth. When fathers, uncles, and guardians are discipled alongside mothers and daughters, entire cultural norms begin to shift. That’s what Heart for Lebanon is doing every day—breaking cycles of violence and shame with the hope of Jesus. Heart for Lebanon is inviting the Faith & Finance family to join them in this mission. A gift of $114 helps reach and protect three at-risk girls, offering them education, protection, and the Gospel of Jesus Christ. You can give by: FaithFi.com/LebanonOur shared goal? To introduce 500 young women and girls to Jesus and prevent the heartbreaking patterns of early marriage, child labor, and violence. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineHeart For LebanonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

“A good man leaves an inheritance to his children's children…” - Proverbs 13:22 That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with The National Christian Foundation (NCF), where she assists families nationwide with achieving their charitable gift-planning goals. What Is an Intentional Inheritance? An intentional inheritance is more than the distribution of wealth. It’s a prayerful, purposeful plan for shaping the lives of those who will receive what we leave behind. Inheritance is one of the most significant stewardship decisions we make. It’s not just about how much but how—and why—we give. This perspective calls for a deep shift. Before passing on wealth, we must first pass on wisdom. Otherwise, unmanaged or misunderstood wealth can do more harm than good. Start with Prayerful Introspection Ask yourself: What role does wealth play in my life? Reframe your mindset around money—not as a measure of success or security but as a tool for Kingdom work. Wealth is an entrustment from God, not an end in itself. That means laying it down at the cross daily, asking the Lord to help us steward it with humility and grace. Three Types of Inheritance To simplify this big task, here are three kinds of inheritance every Christian family should consider: 1. Inheritance to Spend This is the traditional kind of inheritance—resources intended to provide opportunities, experiences, and essentials. Think of it as financial fuel to help your heirs live productive, content lives. But maturity matters. Consider using this inheritance to fund training, travel, or education before a large transfer, especially if the heir is still developing financial literacy or spiritual maturity. 2. Inheritance to Shape This is where legacy comes to life. Instead of simply giving money, consider shaping character through shared experiences—like mission trips, retreats, or projects that reflect your family’s values. 3. Inheritance to Share We’re blessed to be a blessing. Set aside a portion of your estate to fuel generosity in the next generation. This might include donor-advised funds, charitable trusts, or other giving vehicles your heirs can use to support ministries or causes close to their hearts. This is how we teach our children to reflect God’s love through giving. Practical Steps to Craft an Intentional Inheritance Here are four foundational steps to take: 1. Engage in Open Dialogue Talk with your heirs about the purpose behind the inheritance. Focus less on how much and more on why. Share your values, your heart for the Kingdom, and how you hope the inheritance will be used to bless others. This conversation builds trust, understanding, and spiritual alignment. It’s not about dollars and zeros; it’s about attitude, opportunity, and calling. 2. Work with Faith-Aligned Advisors Choose financial and legal professionals who share your biblical worldview. Whether you're working with an estate attorney or a financial planner, the right team will help ensure your legacy is stewarded with wisdom and integrity. That’s why we recommend connecting with a Certified Kingdom Advisor (CKA). To find one near you, visit FaithFi.com and click “Find a Professional.” 3. Prepare Your Heirs Don’t wait until the inheritance is distributed. Teach your heirs financial literacy and spiritual stewardship now. Let them stumble, learn, and grow while you’re still here to mentor and encourage them. 4. Use Strategic Tools Leverage estate planning vehicles like wills, trusts, donor-advised funds, and charitable gift plans. These tools help ensure your assets are distributed in a way that promotes ongoing...

“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.” - 2 Corinthians 8:9 Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn’t the end of the story—it’s the turning point. It’s the day God’s grace was poured out most fully and most freely. Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn’t just die for us—He died instead of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn’t just a wooden beam but the full weight of our guilt and rebellion. And yet, it was love—not nails—that held Him there. The Financial Language of Redemption Here on Faith & Finance, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation. “The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.”“You were bought with a price. So glorify God in your body.”These verses paint a clear picture: our sin incurred a debt that only Jesus could pay. Tetelestai: It Is Finished In John 19:30, as Jesus gave up His spirit, He cried out, “It is finished.” The Greek word He used—tetelestai—was more than a declaration of His suffering ending. It was a victory cry. In the ancient world, tetelestai was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant’s report that a task had been completed. So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn’t come to make a down payment on our salvation. He didn’t cover part of the cost and leave the rest up to us. He paid it all. That means you and I no longer live in spiritual deficit. We live in the overflow of God’s grace. There’s no more striving to earn God’s favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to gain life, but because in Christ, we’ve already found it. Why Good Friday Is Truly Good Good Friday is good not because it was easy but because it was enough. At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace. So, as we reflect today, may we hear His final words echo in our hearts—It is finished. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us. From Financial Fear to Freedom in Christ If this message resonates with you, we invite you to explore Look at the Sparrows, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God’s grace free us from worry and invite us to trust fully in His provision. On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly MagazineYour Money...

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14 Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot. Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. Building a Life of Faithful Stewardship from the Start Finances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That’s why it’s critical to lay a foundation not just of financial literacy but of biblical stewardship. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning. 1. Begin With a Plan—And a Budget Without a clear plan for spending, saving, and giving, it’s easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you. And you don’t have to do it alone. Tools like the FaithFi app make creating an intentional, faith-filled budget easy. It's not just about numbers—it’s about aligning your finances with your values. 2. Save for Emergencies—And Stay Out of Debt After budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits. Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can. 3. Learn from Others—and Find a Mentor There’s no substitute for wise counsel. Watch those who are succeeding with money—and those who aren’t. Learn from both. Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save. 4. Give Generously—Even When It’s Hard Start giving now. Like Randy Alcorn says, “God prospers us not to raise our standard of living, but our standard of giving.” Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider. 5. Start Investing Early—and Consistently Compound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time. Start with low-cost index funds or retirement accounts like a Roth IRA. And don’t overlook your workplace benefits. If your employer offers a match, take it. That’s free money. 6. Align Your Investments with Your Faith Today’s investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles. 7. Embrace Rhythms and Celebrate Milestones The journey to financial stability can feel long, especially when progress is slow. That’s why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We’re not meant to live like monks but are called to be wise. These rhythms of budgeting, saving, investing, and giving aren’t just habits—they’re acts of worship. 8. Talk About Money—Especially in Marriage Money fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often. Being on the same page financially brings...

In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust. When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test. The Temptations of Adversity Financial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith. James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.” So how do we remain grounded—whether in feast or famine? The answer is wisdom. Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.” This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction. Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing. What Wisdom Brings Godly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely: Discernment:“Then you will understand what is right and just and fair—every good path”Guidance:“In all your ways acknowledge Him, and He will make your paths straight”Blessing:“Blessed is the one who finds wisdom, and the one who gets understanding”Reputation:“The wise inherit honor, but fools get only shame”Protection:“Through the fear of the Lord a man avoids evil”Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways. In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.” When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy. Applying Wisdom to Your Finances Here are three practical ways to walk in financial wisdom: 1. Recognize God’s Ownership Everything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give. Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart. 2. Live by Biblical Principles Scripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, “In humility, consider others more significant than yourselves.” 3. Pursue Contentment Paul writes in 1 Timothy 6:6, “Godliness with contentment is great gain.” True wealth isn’t about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism. What Do Your...