Faith & Finance

“Abundance isn’t God’s provision for me to live in luxury; it’s His provision for me to help others live.” That line from Randy Alcorn captures the heart behind a financial finish line. When God entrusts us with more, the question is not simply, “How much can I keep?” but “How much can I use for His purposes?” Cody Hobelman, Certified Financial Planner and Certified Kingdom Advisor, joined the show today to share how that question became deeply personal in his own life. Along with his brother Keelan, Cody contributed to FaithFi’s new Field Guide, How Much Money Is Enough? But before he taught others how to set a financial finish line, he had to wrestle with it in his own context. The Early Pull of Accumulation Early in his career, Cody’s view of money was much like that of many people. He wanted a large income, growing wealth, and the kinds of opportunities that seemed to promise happiness and success—perhaps vacation homes, financial freedom, and a comfortable lifestyle. Those goals were not unusual. Many people begin their careers with an eye toward building, earning, and accumulating. But over time, Cody began to sense that something was missing. After college, he returned to church and began reading Scripture for himself. What stood out to him was how often Jesus spoke about money. Those passages began to reshape the way he viewed his role in managing what God had entrusted to him. When Obedience Begins to Reshape the Heart At the end of 2016, Cody’s church went through a series on managing money biblically. At the conclusion, the congregation was invited to commit to tithing in the coming year. After prayer and conversation with his wife, Steph, Cody decided to begin giving 10% of his income to the church in 2017. That step mattered. It was his first move into intentional giving. He began to see that not every dollar he earned had to serve his own lifestyle. God gives resources with purpose, and giving helped Cody begin to discover that purpose. But as he later reflected, his generosity at that stage still felt like “checking the box.” He was giving, but accumulation remained the deeper goal. Tithing became a generous layer atop a life still largely centered on earning, comparing, and building more. He realized he was trying to serve both God and money. The Question That Changed Everything In 2020, Cody’s brother Keelan invited him to consider a simple but life-altering question: “How much is enough?” In other words, if God provided more income over the course of his career—or even in a single year—how would Cody know how much was enough to spend on his own lifestyle? And how could he create margin so that additional resources could be used for God’s purposes? At first, Cody resisted the conversation. But he could not escape the realization that he was still at the center of his financial world. So he and Steph accepted the challenge. They chose a number that represented a reasonable level of lifestyle spending for a season. That number became their first financial finish line. A financial finish line is a cap on lifestyle spending. Once that line is set, anything beyond it can be directed toward generosity, debt reduction, ministry, or other God-honoring purposes. A Finish Line Before the Increase Interestingly, Cody and Steph set their first finish line when their income was still below that number. Steph was in graduate school, Cody was early in his career, and they still had student loans. They were also hoping to buy a home. So the finish line was not immediately restrictive. It was more future-oriented. But that decision prepared their hearts before additional income arrived. Not long after, Steph graduated and began working full-time. Cody also received a raise. Suddenly, the finish line was no longer theoretical—it was practical. Because they had done the hard work of prayer, conversation, and planning before the increase in income, they already knew what to do. Their finish line helped...

If you’re drowning in debt and someone offers a lifeline, make sure it’s not really an anchor. When debt feels overwhelming, it’s natural to look for a way out. And there are several options that sound helpful at first: debt consolidation, debt settlement, and debt management. But while those terms are sometimes used interchangeably, they are not the same—and they can lead to very different outcomes. Neile Simon, a Certified Credit Counselor with Christian Credit Counselors (CCC), joined the show today to explain the differences and help listeners understand which approach best reflects both financial wisdom and biblical responsibility. Debt Consolidation: A Quick Fix With Real Risks Debt consolidation is often appealing because it rolls multiple debts into one new loan. Instead of making several payments to different creditors, you make one payment on the consolidation loan. That may sound simpler and, in some cases, reduce confusion. But Neile explains that these loans often come with interest rates between 15% and 22%, depending on your credit score. And while consolidation may feel like a fresh start, it does not necessarily solve the deeper problem. The biggest risk is that consolidation allows you to keep your credit card accounts open. If spending habits don’t change, many people end up running up new credit card balances while still owing on the consolidation loan. In other words, consolidation can turn one debt problem into two. Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Debt freedom usually doesn’t come through a quick fix. It comes through steady, faithful steps over time. Debt Settlement: A Dangerous Path Another option people often hear about is debt settlement. These companies typically promise to negotiate with creditors so you can pay less than the full amount owed. But Neile warns that debt settlement can be misleading and financially damaging. In many cases, debt settlement companies require you to stop paying your creditors. That means your credit may be severely damaged, and the impact can be almost as serious as bankruptcy. There are other consequences as well. Any forgiven debt may be treated as taxable income, and you may receive a 1099-C at the end of the tax year. In addition, after a period of nonpayment, creditors may pursue legal action, which could result in liens on property or wage garnishment, depending on your state. For Christians, there’s also a biblical concern. Psalm 37:21 says, “The wicked borrows but does not pay back.” While every situation requires wisdom and compassion, Scripture calls us to take responsibility for what we owe whenever it is in our power to do so. Debt Management: A More Faithful Way Forward Debt management is different from both consolidation and settlement. Through a credit counseling agency like Christian Credit Counselors, you can enroll in a debt management program that helps you repay your debts in full while often reducing your interest rates and monthly payments. Instead of taking out a new loan, you make a single monthly payment to the credit counseling agency, which distributes it to each creditor in the program. The goal is not to avoid the debt, but to pay it back in a structured and manageable way. Neile explains that interest rates through a debt management program may range from 1% to 12% APR, allowing many people to pay off debt much faster. One important thing to know is that creditors typically close the accounts you enroll in the program. However, you are not required to enroll every account. That can actually be a benefit. Closing accounts helps break the cycle of relying on credit and builds new habits of spending, saving, and stewardship. Proverbs 3:27 says, “Do not withhold good from those to whom it is due, when it is in your power to do it.” Debt management reflects that principle by helping people honor their debts while finding a sustainable path...

Corrie ten Boom once said, “If the devil can’t make you sin, he’ll make you busy.” That’s a sobering thought, especially in a world where many of us feel like life is moving faster than we can keep up. Deadlines, family responsibilities, bills, errands, emails, appointments, and unexpected needs can make every day feel like a sprint. And when life moves that fast, it’s easy to make financial decisions on the fly. We don’t always neglect stewardship out of carelessness. Sometimes, we neglect it because we’re tired. We stop paying attention. We spend reactively instead of prayerfully. We put off conversations we need to have. We ignore creeping lifestyle inflation. We delay generosity until things “settle down.” Before long, the pace of life begins shaping our financial decisions more than the wisdom of God does. The Spiritual Danger of Distraction Busyness can be more spiritually dangerous than it first appears because it doesn’t always oppose faithfulness with rebellion. Sometimes it opposes faithfulness with distraction. Jesus warned about this in Luke 8, when He described the seed that fell among the thorns. He said it was choked by “the cares and riches and pleasures of life” (Luke 8:14). In other words, ordinary life can become so crowded that it chokes out what truly matters. We can spend hours worrying, scrolling, comparing, impulse buying, chasing the next opportunity, or reacting to every headline while neglecting the simple habits that build faithful stewardship: planning, giving, saving, communicating, and trusting God. Jesus highlights a similar tension in Luke 10. Martha is working hard, serving diligently, and doing good things. But Mary is sitting at Jesus’ feet, listening. Jesus gently says, “Martha, Martha, you are anxious and troubled about many things, but one thing is necessary” (Luke 10:41–42). Martha wasn’t doing something sinful. She was doing something useful. But even useful things can become disordered things when they crowd out what matters most. That applies to stewardship, too. It’s possible to work hard, earn income, pay bills, and stay active, yet slowly lose sight of the heart of stewardship: trusting God, aligning our resources with His priorities, and handling money with wisdom and intentionality. Stewardship Is Worship Stewardship is never just about transactions. It’s about worship. Every dollar we earn, spend, save, or give becomes an opportunity to express what we believe about God. Do we trust Him? Do we believe He is our provider? Do we see money as ours to control—or His to manage? That’s why financial faithfulness requires more than good intentions. It requires margin—not just margin in your bank account, but margin in your soul. Dallas Willard once said, “Hurry is the great enemy of spiritual life in our day.” That certainly has implications for our finances as well. Hurry can lead to impulse spending, neglected planning, avoidable debt, forgotten generosity, and anxiety-driven decisions. When our lives are hurried, our money often becomes hurried, too. So what does it look like to remain financially faithful in a busy season? Slow Down Long Enough to Notice Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” In an agrarian society, a person’s wealth was often tied up in flocks and herds. To know their condition meant slowing down enough to count them, care for them, and manage them wisely. Today, your “flock” may be your bank account, budget, bills, giving plan, savings, or debt. Awareness is often the first step toward wisdom. You can’t faithfully steward what you never stop to notice. Prioritize What Matters Most If generosity, saving, debt reduction, or wise planning matter to you, don’t leave them to chance. Put them on the calendar. Automate what you can. Schedule the budget conversation. Decide in advance what you will give. Review your spending before the month gets away from you. What gets scheduled often...

Summertime is here. And while kids may be counting down the days until school is out, parents and grandparents may be counting something else—the cost. Keeping kids entertained during the summer does not have to break the bank. In fact, some of the best memories do not come from expensive outings. They come from creativity, time together, and a little planning. It is tempting to spend our way into a good time. A movie with popcorn and drinks can easily become a costly outing for a family. A trip to a major league ballpark can cost even more. But meaningful family fun does not have to come with a high price tag. Here are ten fun, meaningful, and free things your family can do this summer. 1. Visit the Library Today’s libraries are more than shelves of books. Many host summer reading challenges, puppet shows, craft days, Lego clubs, and other free activities for kids. A trip to the library builds lifelong learning habits, encourages imagination, and gives children a healthy break from screen time. It is a simple summer win for the whole family. 2. Have a Themed Movie Marathon Movie nights are always fun, but you can make them even more memorable with a theme. Dress up like your favorite characters, make homemade popcorn, and watch movies you already own or can stream for free through your library. It is a cozy, low-cost way to enjoy time together without leaving home. 3. Check Your Community Calendar Many towns and cities host free summer concerts, outdoor movie nights, festivals, parades, and family events. These gatherings are not only enjoyable; they also help families connect with their neighbors and experience the gift of community. Scripture often reminds us that we were not made to live in isolation, and summer can be a wonderful time to build those local connections. 4. Plan a Backyard Campout You do not need a mountain getaway to go camping. Pitch a tent in the backyard, roast marshmallows, tell stories, and spend time under the stars. You can also take a few moments to marvel at the night sky together. Psalm 8:3–4 says, “When I look at your heavens, the work of your fingers, the moon and the stars… what is man that you are mindful of him?” A backyard campout can become a simple opportunity to worship the God who made the heavens and cares for us. 5. Host a Yard Sale A yard sale can be more than a way to clean out the garage. Let your kids gather items, price them, and help run their own mini shop. This can teach stewardship, contentment, and generosity—especially if they choose to give a portion of the proceeds to someone in need. 6. Try Geocaching If your family enjoys a good treasure hunt, geocaching can be a fun adventure. All you need is a smartphone and a free app to begin searching for small caches hidden throughout your community. It is a great way to explore new places, get outside, and bond as a family—without spending money. 7. Organize a Neighborhood Game Day Sometimes the simplest games are the most fun. Kickball, capture the flag, relay races, or a water balloon battle can bring kids and families together for hours. Reach out to other parents in your neighborhood and organize a recurring game day. You can rotate houses, share the fun, and build community at no cost. 8. Create a Summer Bucket List Get the kids involved and make a list of free or simple things they want to do this summer. It could include building a fort, catching fireflies, learning a new skill, having a picnic, or watching a sunset. Then check the items off one by one. A summer bucket list builds anticipation, keeps the season organized, and helps your family make memories with intention. 9. Explore Local Parks and Trails Nature is one of God’s most accessible gifts. A walk through the woods, a bike ride, or a visit to a local preserve can stir the soul and open our eyes to the beauty of creation. Psalm 19:1 says, “The heavens declare the glory of God.” And so does every bird's song, wildflower, trail, and...

Over the past decade, U.S. stocks have been the center of the investing universe. And for good reason—the U.S. market remains one of the strongest and most influential in the world. But wise investing is not simply about looking at where the market has been. It also means asking where opportunities may be emerging next. That raises an important question: Should investors consider looking beyond U.S. markets? On today’s show, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, says the answer is worth careful consideration. While U.S. stocks remain important, global markets, currencies, and economic leadership are always changing. For investors seeking wise diversification, international investing may deserve a closer look. Why Consider International Investing? Historically, one of the main reasons to own international stocks has been diversification. Decades ago, foreign markets often moved more independently from U.S. markets. When U.S. stocks struggle, international stocks might perform better, helping smooth out a portfolio's ups and downs. That benefit has diminished somewhat as globalization has grown. Today, U.S. and foreign markets often move in the same general direction. But diversification is still not the only reason to consider investing abroad. Another reason is opportunity. Many strong companies are based outside the United States. Investors who focus only on domestic markets may miss out on growth taking place in other parts of the world. There is also a broader market-cycle consideration. U.S. and international stocks tend to trade leadership over long periods. One may outperform for a decade or more, and then the pattern can shift. After roughly 15 years of strong U.S. market leadership, foreign stocks may be positioned to become more competitive again. The U.S. Market Is Strong—But Not Permanent The U.S. economy remains the largest and strongest in the world. America benefits from deep capital markets, natural resources, innovation, and relative political stability. Still, Mark points out that U.S. financial assets have been “punching above their weight” for some time. U.S. stocks currently represent a much larger share of global stock markets than the U.S. represents of global economic output. That does not mean U.S. stocks are destined to decline. But it does suggest that today’s level of dominance should not be assumed to last forever. The global economy is shifting toward a more multipolar world, where economic leadership may be spread more broadly across regions. If foreign investors begin directing more capital toward their home markets, international stocks could benefit. Why the Global Economy Matters One of the most important distinctions investors should understand is the difference between global stock market share and global economic output. According to Mark, U.S. stocks represent about 64% of the global equity market, while the U.S. share of global economic production is closer to 15%. That is a significant gap. There is no rule that a nation’s stock market share must match its share of global economic activity. But those numbers have shifted over time, and there is no guarantee that the current U.S. share of global markets will remain this high indefinitely. For investors, this means it may be wise to pay attention to where economic growth is happening outside the United States—especially in emerging markets. The Opportunity—and Risk—of Emerging Markets Emerging markets can offer significant long-term growth potential. These countries often have growing populations, rising standards of living, and expanding economies. But that potential comes with higher volatility. Capital can move quickly in and out of emerging markets, creating larger swings in performance. Investors should understand that while the long-term growth story may be compelling, the risks are also greater. For that reason, emerging markets should generally be approached...

What are the biggest financial questions people keep asking—and are we answering them the right way? The questions we wrestle with about money often reveal something deeper. They expose our fears, our hopes, and what we truly believe about God’s provision. That’s why financial wisdom must go beyond spreadsheets and strategies. It must address the heart. Sharon Epps, president of Kingdom Advisors, joins us to unpack what financial advisors across the country are hearing from their clients. While the seasons of life may vary, many of the same questions keep surfacing—and those questions often reveal concerns that go deeper than dollars and cents. The Questions People Keep Asking As Kingdom Advisors stays connected with financial professionals across the country, certain questions continue to surface. According to Sharon, three of the most common are: Each question involves real financial decisions, but each one also reveals something about the heart. They are not merely questions about money. They are questions about security, legacy, generosity, and trust. How Much Is Enough? At first glance, “How much is enough?” sounds like a numbers question. People want to know how much they should save, how much they need for retirement, or how much margin they need to feel secure. But beneath the question is often a deeper concern: Will I be okay? Will my family be okay? That’s why a purely financial answer can fall short. A typical financial plan may focus mainly on accumulation—building as much as possible to create a sense of safety. Saving wisely is important, but from a biblical perspective, accumulation alone cannot provide lasting peace. A stewardship approach asks a different question. It still considers the numbers, but it also recognizes that God is our provider. Enough is not merely a financial target. It is also a posture of the heart shaped by contentment, trust, and faithfulness. Preparing the Next Steward Another question many people ask is, “How do I prepare the next steward?” This often becomes urgent as people approach retirement or begin thinking about estate planning. But Sharon points out that preparing the next steward should not be delayed until later in life. It is something we should consider throughout our lifetime. That’s because stewardship is not only about passing on wealth. It is about passing on wisdom, values, and a vision for faithfulness. Proverbs 13:22 says, “A good man leaves an inheritance to his children’s children.” While that certainly can include financial inheritance, it should not be limited to money. A truly meaningful inheritance includes biblical wisdom, godly character, and a clear understanding of how to steward resources. As Ron Blue has often said, estate planning is incomplete if it only focuses on wealth transfer. The greater goal is the transfer of wisdom before wealth. Giving Intentionally The third question Sharon says advisors frequently hear is, “How do I give intentionally?” This question moves generosity beyond impulse or obligation. It invites us to think carefully about how God may be calling us to use what He has entrusted to us for His Kingdom. Intentional giving requires prayer, planning, and a willingness to align our resources with our deepest convictions. It asks not simply, “How much can I give?” but “How can my giving reflect God’s generosity and advance His purposes?” A Resource for Deeper Stewardship These recurring questions helped inspire FaithFi’s new Field Guides—practical resources designed to help people work through major financial questions with both technical clarity and biblical wisdom. The first Field Guide, How Much Money Is Enough?, helps readers think carefully about contentment, provision, and defining “enough” through a biblical lens. Because the questions we ask about money often point to deeper matters of the heart, we need more than financial information. We need wisdom rooted in God’s Word. To receive a copy of the first...

Retirement is often described as the finish line—the long-awaited season when work finally ends, and leisure begins. But what if that picture is incomplete? For believers, retirement does not mean purpose expires. It may simply mean that purpose takes on a new expression. We were created by God not merely to earn a paycheck, but to serve, contribute, create, encourage, and reflect His character in the world. That calling does not end when a career does. Mitch Anthony, bestselling author of The New Retirementality: Planning Your Life and Living Your Dreams…at Any Age You Want, has spent decades helping people rethink retirement. He joins the show today to share a simple but deeply important message: retirement should not be the end of meaningful work. It should be a new season of purposeful living. Work as Worship One of the most powerful ways to rethink retirement begins with a biblical understanding of work itself. In Hebrew, the word avodah conveys both work and worship. That connection reminds us that work was never meant to be separate from our calling before God. Work, at its best, is not merely labor. It is an opportunity to bring value to others and meaning to our own lives. That may happen through a career, but also through volunteering, mentoring, serving in the church, caring for family, teaching, consulting, creating, or encouraging others. Mitch defines work as “an engagement that brings value to others and meaning to you.” That broader definition helps us see that meaningful work is not limited to employment. It includes any faithful contribution that blesses others and reflects the gifts God has given us. Retirement Is Not a “Use By” Date Our culture often treats retirement as though people reach a certain age and are no longer needed. But that idea does not reflect biblical wisdom. Human beings are not products with expiration dates. We are image-bearers of God, created with gifts, experience, wisdom, and calling. While the pace or form of our work may change with age, our purpose does not disappear. That does not mean everyone should work a traditional job until the end of life. Rest matters. Enjoyment matters. Slowing down may be wise and necessary. But the question is not simply, “When can I stop working?” A better question is, “How can I continue bringing value to others in this season of life?” The Problem With Leisure Alone Many people imagine retirement as a permanent vacation. After decades of work, they look forward to golf, travel, hobbies, and relaxation. Those can all be good gifts from God. But leisure alone cannot carry the weight of a meaningful life. Mitch points out that there are diminishing returns to leisure. When recreation becomes the whole purpose of life, it often loses its joy. What once felt refreshing can begin to feel repetitive. The goal is not to choose between vacation and vocation. The goal is a healthy rhythm of both. Rest gives energy to our calling, and meaningful contribution makes rest more enjoyable. The Non-Financial Challenges of Retirement Most retirement planning focuses on money: savings, income, investments, Social Security, taxes, and health care costs. Those are important. But they are not the whole story. Retirement also brings significant non-financial challenges. People may struggle with identity, routine, mental engagement, relationships, and a sense of usefulness. For someone who has spent decades in a profession, stepping away can raise painful questions: Who am I now? What do I do with my time? Where am I needed? Mitch also notes that intellectual challenge matters. When people stop engaging their minds, solving problems, learning, and contributing, they may begin to feel themselves slowing down. Staying mentally and relationally engaged is an important part of a healthy retirement. Created for Good Works For Christians, the conversation about retirement must include Ephesians 2:10, which says, “For we are his workmanship, created in...

An emergency fund can be the difference between a financial setback and a financial crisis—but only if it’s built the right way. Most people know they should have money set aside for emergencies. But many aren’t sure how much to save, what actually counts as an emergency, or where to keep that money. Those are important questions, because an emergency fund is not just another savings goal. It is a key part of wise financial stewardship. What Is an Emergency Fund? An emergency fund is money set aside for unexpected, significant financial disruptions. Those two words matter: unexpected and significant. This is not money for routine expenses, planned purchases, or occasional wants. It is reserved for the kinds of situations that can suddenly shake your financial life—job loss, a major medical need, a significant car repair, an urgent home repair, or another event that interrupts your income or requires a large amount of cash. In that sense, an emergency fund acts like a financial shock absorber. When something unexpected happens, it helps keep a difficult situation from turning into debt, panic, or financial chaos. Without an emergency fund, many people are forced to rely on credit cards or loans during hard times. But with one in place, you create stability and breathing room when uncertainty comes. How Much Should You Save? A helpful rule of thumb is to keep three to six months of living expenses in your emergency fund. That means enough to cover essential expenses such as housing, food, utilities, insurance, transportation, and other necessary costs. For example, if your household needs $5,000 per month to cover basic expenses, a fully funded emergency fund would typically range from $15,000 to $30,000. Where you land in that range depends on your situation. If your income is stable and predictable, three months may be enough. But if your income fluctuates, if you’re self-employed, or if you simply want additional peace of mind, six months—or even a little more—may be appropriate. The goal is not perfection. The goal is preparedness. Is Saving for Emergencies a Lack of Faith? Some Christians may wonder whether saving for emergencies reflects a lack of trust in God. But Scripture encourages wise preparation. Proverbs 6:6–8 says, “Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant is not anxiously trying to control the future. It is wisely preparing for what may come. That is the posture we want to take with our finances. An emergency fund is not about pretending we can control tomorrow. It is about stewarding today’s resources wisely so that when tomorrow brings challenges, we are not forced into panic or unnecessary debt. Planning and trusting God are not opposites. In many cases, wise planning is an expression of faithful stewardship. Where Should You Keep Your Emergency Fund? Once you decide how much to save, the next question is where to keep it. This is where many people get tripped up. While an emergency fund should grow over time, it is not meant to be invested like a retirement account. Why? Because investments such as stocks and mutual funds fluctuate. If the market drops at the exact moment you need the money, your safety net may suddenly be smaller than you expected. Likewise, locking emergency funds in a certificate of deposit can limit your access. If you need to withdraw early, you may face penalties or lose interest. An emergency fund has two primary goals: safety and accessibility. You want the money protected and accessible quickly when a real need arises. That’s why many financial advisors recommend keeping emergency funds in accounts such as high-yield savings accounts or money market accounts. These allow your money to earn a competitive rate while remaining liquid and accessible. They are also typically insured, helping protect your savings while they...

Summer is not that far off, and for many families, the kids are already dreaming about vacation. But parents may be asking a different question: How can we make great family memories without breaking the budget? A family vacation can be a wonderful gift, but it doesn’t have to create financial pressure that follows you home. With a little planning, creativity, and communication, you can enjoy meaningful time together while staying within your means. Crystal Paine, creator of MoneySavingMom.com, joined us on today’s show to share practical ways families can plan a memorable, budget-friendly vacation. Start Planning Early The first step is to plan ahead. The earlier you begin, the more options you’ll have for lodging, travel, and activities. Crystal recommends considering destinations that are a little off the beaten path. These places often have fewer crowds and lower prices while still offering plenty of opportunities for rest and fun. If you’re flying, she suggests using Google Flights to search flexible destinations. You can enter your travel dates and explore lower-cost flight options across the country. Just as important, set a clear budget for the entire trip before you go. Decide what matters most to your family. Maybe staying near the beach is a priority, but eating out every meal is not. Knowing those priorities ahead of time helps you spend intentionally rather than react in the moment. Take Advantage of Free Activities Some of the best vacation memories don’t cost anything. Crystal encourages families to search for free things to do in their destination. Try looking up phrases like “best free things to do” along with the name of the city or area you’ll be visiting. You may find hiking trails, local parks, self-guided walking tours, free museums, art exhibits, festivals, or concerts. These activities are often overlooked, but they can become the hidden gems of a trip. And they remind us that meaningful experiences don’t always require a high price tag. Get the Whole Family Involved A vacation is more enjoyable when everyone feels included. Ask your children what they would enjoy doing. You may not be able to do everything, but letting each person choose one activity can help the trip reflect the whole family’s interests. Crystal also suggests giving each family member a set budget and allowing them to plan a few hours of the vacation within that amount. This can be a fun way to teach kids practical money skills. They learn how much things cost, how to make tradeoffs, and how to enjoy the responsibility of planning. Be Strategic About Meals Food can quickly become one of the most expensive parts of a trip, especially if you eat out for every meal. One way to save is to stay somewhere that offers free breakfast. Then, bring snacks or simple meal items from home. If you’re flying and can’t pack much food, visit a grocery store when you arrive. A loaf of bread, peanut butter and jelly, fruit, carrots, chips, or sandwich supplies can cost far less than several restaurant meals. That doesn’t mean you can’t enjoy a special meal out. Part of a vacation can be the fun of eating at a memorable place. The key is to be strategic. Choose the meals you want to splurge on, and save on the rest. Set a Daily Spending Limit Before the trip begins, decide how much you can spend each day. Then, make it a family challenge to stay under that amount. This can turn budgeting into a game rather than a burden. It helps children think carefully about purchases and gives everyone a shared goal. Instead of saying yes to everything in the moment, your family can work together to decide what is truly worth the cost. Come Home With Memories, Not Debt The best vacation is not the one with the biggest price tag. It’s the one that gives your family time together, creates lasting memories, and allows you to come home without financial regret. A budget-friendly vacation doesn’t mean settling for less. It means choosing what...

What do you do when the cost of staying healthy begins to strain the family budget? For many households, health care has become one of the biggest financial pressures they face. Groceries, utilities, and everyday expenses are already stretching families thin. But medical costs often feel like they are in a category of their own. Even when traditional coverage feels out of reach, families are not without options. That’s why Lauren Gajdek, Senior Director of External Affairs at Christian Healthcare Ministries (CHM), joined the show today to discuss medical cost sharing, how it works, and why more families are taking a closer look. The Pressure Families Are Feeling Many families are still dealing with the effects of higher prices across the board. While inflation may have cooled in some areas, that does not mean prices have returned to their previous levels. Groceries, utilities, housing, and other essentials still cost more than they did before, leaving many households with less room in their monthly budgets. Health care adds another layer of pressure. Employer-sponsored family health insurance can now cost thousands of dollars each year when accounting for both employer and employee contributions. Marketplace plans can also be expensive, especially for those who do not qualify for subsidies. Behind those rising premiums are the increasing costs of hospitals, medications, and other medical services. For families trying to manage their resources wisely, those numbers can feel overwhelming. What Options Are Available? When traditional health insurance becomes too expensive, families may begin looking for alternatives. One option is COBRA, which allows someone who has lost employer-sponsored coverage to keep the same plan for a time. But COBRA is often very expensive because the individual is typically responsible for the full cost of the plan without employer assistance. Another option is the health insurance marketplace at Healthcare.gov. For those who qualify for subsidies, this may provide some relief. But without subsidies, marketplace plans may still be difficult to afford. A third option is medical cost-sharing through an organization such as Christian Healthcare Ministries. CHM is not insurance. Instead, it is a community of believers who voluntarily come together to help share one another’s eligible medical expenses. How Medical Cost-Sharing Works Most people are familiar with the traditional insurance model: premiums, deductibles, provider networks, and claims. Medical cost sharing operates differently. With Christian Healthcare Ministries (CHM), members receive medical care from their provider and then work with that provider to receive the bill directly. The member submits the bill to CHM, and eligible medical costs are shared or reimbursed in accordance with the program guidelines. CHM describes this as “assurance” rather than insurance. Members are supported not only financially but also spiritually by a community of believers committed to helping one another. Christian Healthcare Ministries has been serving members for more than 40 years and has shared more than $13 billion in medical costs. What Does It Cost? CHM offers several programs designed to fit different household needs and budgets. Their Gold program is $299 per unit per month. Silver is $169 per unit per month, Bronze is $115 per unit per month, and CHM also offers a senior program for $119 per unit per month. Costs are based on household size and the number of participating members. Dependent children can participate as one unit, and no family pays for more than three units. For some families, that structure may provide a more affordable way to manage health care costs while staying aligned with their values. A Values-Aligned Approach Health care decisions are both practical and personal. Families need to consider costs, coverage needs, medical history, risk tolerance, and how each option fits their overall financial plan. For...

A growing number of Christians are asking not just how to invest, but whether their investments reflect what they believe. For many believers, investing has often been treated as a purely financial activity—something focused on returns, risk, diversification, and retirement goals. But what if investing is also deeply connected to our faith and calling? Luke Bolton, Executive for Strategic Relationships at Kingdom Advisors and co-author of the upcoming book, The Theology of Investing: A Biblical Perspective for Contemporary Investors, joins us on the show today to say that this is ultimately about more than financial strategy. It is about theology—what we believe about God, money, stewardship, and the world He created. Why a Theology of Investing Matters Most Christians encounter investing at some point, whether through a workplace retirement plan, an IRA, a brokerage account, or a conversation with a financial advisor. But many have never paused to ask a deeper question: What does my faith have to say about this? For Bolton, the answer begins with the lordship of Christ. If we confess that Jesus is Lord, then He is Lord over everything—including our money, savings, and investments. Colossians 3:17 says, “And whatever you do, in word or deed, do everything in the name of the Lord Jesus.” That “everything” includes how we invest. This does not mean every Christian will make the exact same investing decisions. But it does mean investing should not be placed in a separate category outside discipleship. Our portfolios, like every other part of life, should be brought under the wisdom and purposes of God. Investing Begins in the Heart A biblical approach to investing starts with what is happening internally. Are we trusting God, or are we trusting the markets? Are we investing out of wisdom and stewardship, or anxiety and fear? Are we content and grateful, or driven by comparison and accumulation? Those heart-level questions matter because financial decisions are never purely financial. They reveal what we value, what we fear, and where we place our hope. Scripture repeatedly reminds us not to put our ultimate confidence in wealth, which is uncertain, but in God, who richly provides. That perspective changes the way we think about return, risk, security, and purpose. Investing Also Has an Outward Expression Faith-based investing is not only about the heart, though. It also shapes outward decisions. Bolton explained that over the last 20 to 30 years, a growing number of Christians have begun taking meaningful action through their investments in three key ways. Some seek to avoid investments that conflict with their faith. Others look for opportunities to use their influence as investors for good. Still others seek investments that actively align with God’s heart for human flourishing and the good of His world. In other words, faith-based investing can move beyond simply asking, “What should I avoid?” It can also ask, “What good can my investments help accomplish?” Seeking the Welfare of the World Jeremiah 29:7 says, “Seek the welfare of the city where I have sent you…for in its welfare you will find your welfare.” Galatians 6:10 adds, “As we have opportunity, let us do good to everyone, and especially to those who are of the household of faith.” Those passages help frame investing as an opportunity. Capital can be deployed in ways that contribute to human flourishing, support productive work, and reflect God’s concern for the world He made. That does not remove the need for careful financial analysis. Investors still need wisdom, diversification, and sound counsel. But it does add another layer of due diligence: How might this investment reflect God’s character, purposes, and mission? Where to Begin For someone who wants to move in this direction, Bolton suggested a few simple first steps. Start by learning more about investing from a biblical worldview. Then take time to understand what you already own. Many...

What if investing could be about more than performance? What if it could also be about purpose? For many believers, stewardship does not stop with earning, giving, saving, or spending. It also includes asking whether the companies we invest in reflect the values we profess. And as more Christians think carefully about their portfolios, faith-based investing tools are making that conversation more practical than ever. Mike Schnackenberg, Head of Distribution at Eventide Asset Management, joins the show today to discuss the rise of faith-based ETFs and how investors can align their portfolios with their convictions while honoring God and serving the common good. What Is an ETF? ETF stands for exchange-traded fund. Simply put, an ETF is an investment vehicle that can hold multiple stocks or bonds under one ticker symbol. That gives investors a convenient way to diversify. Instead of purchasing shares of dozens—or even hundreds—of individual companies, an investor can gain exposure to many holdings through a single investment. ETFs also trade on exchanges like stocks, which means they can be bought and sold throughout the trading day. Many also provide transparency, giving investors visibility into the companies or holdings inside the fund. For years, many people associated ETFs mainly with passive investing—funds that simply track a broad market index. But that has been changing. More active strategies are now being offered through ETFs as well, partly because of the accessibility, transparency, and tax efficiency the structure can provide. Is Passive Investing Really Neutral? One of the most important questions for Christian investors is whether passive investing is truly neutral. At first glance, it may seem that way. If an investor is simply tracking an index, it can feel like they are not making an active ethical choice. But from a biblical stewardship perspective, every investment decision carries moral weight because investing involves ownership. Even if someone owns only a small percentage of a large company, that investor still has a connection to the company’s products, practices, profits, and impact. If we benefit from a company’s success, then it is worth asking whether that success comes through work that contributes to human flourishing—or work that harms our neighbors. That is why faith-based investing begins with a deeper question: What kind of impact do I want my investments to have? Investing Is Ownership For believers, stewardship is not limited to giving, budgeting, or avoiding debt. It also includes investing. If God owns everything, then the money we invest is also entrusted to us by Him. That means our portfolios should not be disconnected from our discipleship. A broad market index may include companies involved in industries or practices many Christians would find troubling—areas connected to addiction, exploitation, the destruction of life, or other harms to human flourishing. Faith-based investing seeks to avoid those problematic areas while also identifying companies whose products and practices serve people well. The goal is not merely to avoid what is harmful. It is also to pursue what is good. The Awareness Gap One of the biggest challenges is that many Christians simply do not know that faith-based investing options are available. They may assume their only choices are traditional index funds, mutual funds, or ETFs that make no distinction between companies based on values or business practices. But the faith-based investing space has grown, giving investors more opportunities to pursue financial goals while also seeking values alignment. For many believers, the first step is simply awareness: learning what they currently own and understanding what companies or industries may already be represented in their portfolio. That discovery process can be eye-opening. Many investors find that familiar funds or indexes include exposure to businesses they would not knowingly...

Unexpected wealth can feel like a blessing, but without wisdom, it can quickly become a burden. A sudden financial gain, a large inheritance, a life insurance payout, or the sale of a business can change your circumstances overnight. But what you do next matters far more than what you’ve received. When a financial windfall comes into our lives, it rarely arrives in a vacuum. Often, it is tied to loss. A loved one has passed away, leaving behind assets along with grief. Or it may come after years of effort, when a business finally sells, or an investment pays off. In those moments, emotions can run high. There may be gratitude, relief, and even excitement. But there may also be uncertainty, pressure, and fear. That’s why the first step is not financial at all. It is spiritual. Remember Who Owns It All In 1 Chronicles 29:14, David prays, “For all things come from you, and of your own have we given you.” That is a simple but powerful reminder: whatever we receive ultimately belongs to God. That truth changes everything. Receiving a windfall may feel deeply personal, but it is ultimately part of God’s provision and His purposes. And when that wealth represents the life’s work of someone else, it should lead us to humility. So the first step is simple, but not always easy: pause. Before making major decisions, take time to pray, reflect, and remember that this is not merely money to manage. It is a stewardship entrusted to you by God. Guard Your Heart Sudden wealth can subtly reshape our hearts if we are not paying attention. It can shift our sense of security, our priorities, and even our identity. What once felt like dependence on God can slowly drift toward self-reliance if we are not anchored in truth. That is why this moment matters spiritually. Ecclesiastes 7:11 says, “Wisdom is good with an inheritance, an advantage to those who see the sun.” Notice that inheritance and wisdom are meant to go together. Wealth without wisdom is dangerous. But wealth guided by wisdom can become a powerful tool for good. Give yourself time to think, pray, and seek counsel before making any major moves. Understand What You Have Received From there, the next step is to understand what you have actually received, because not all wealth is the same. If you received a life insurance payout, it may have come during a season of grief, which makes wise decision-making even more important. Those funds are often income-tax-free, but that does not mean the decisions are simple. It can be tempting to act quickly in an emotional moment, but this is a time to slow down and prayerfully consider how those resources can provide stability, meet immediate needs, and reflect the values of the one who provided them. If you inherited a retirement account, such as an IRA, there are often specific rules to follow. In many cases, the account must be retitled as an inherited IRA, and the funds may need to be distributed within a certain timeframe, often within 10 years, depending on your situation and your relationship to the original account holder. If you sold a business, what was once tied up in years of hard work may now be sitting in cash. That can feel both freeing and overwhelming. A sale like this may trigger significant capital gains taxes, so it is important to understand what you owe and when. Beyond that, this is a moment to think carefully about what comes next. You do not have to rush into new investments or big decisions. Take time to evaluate your long-term needs and consider how this transition can align your resources and your next season of life with God’s purposes. And if you inherited property, there may be an opportunity, but also complexity. In many cases, the tax basis is adjusted to the property’s value at the time you inherit it, which can significantly reduce or even eliminate capital gains if you sell relatively soon. But the right decision depends on your full financial picture, your goals, and your family's...

“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 As Mother’s Day approaches, that verse offers a beautiful reminder: the influence of a faithful mother often reaches farther than we can see. Through daily acts of love, sacrifice, prayer, and perseverance, mothers shape hearts, homes, and generations. Their work is not always loud or publicly celebrated, but it is deeply significant. Many of the values we carry, the lessons we live by, and even our understanding of God’s care have been formed through the steady presence of a mother or mother figure in our lives. The Hidden Work Mothers Carry Most of the time, when we think about the contribution of mothers, we think of things money could never measure—love, compassion, wisdom, patience, and strength. Still, it can be eye-opening to consider the sheer amount of work mothers carry each day. According to Salary.com’s annual survey, working moms put in an average of 54 hours each week managing their households on top of their professional responsibilities. For stay-at-home moms, the workload can resemble 15-hour days, seven days a week. That work often includes serving as chef, teacher, nurse, counselor, scheduler, chauffeur, financial manager, and conflict negotiator—sometimes all before lunch. Salary.com estimated that if a mother were paid for all the roles she fills, the annual base salary would exceed $200,000. When bonuses, overtime, and other “premium pay” are added, the total could rise above $250,000. Those numbers may catch our attention, but they still do not tell the full story. Her Worth Cannot Be Measured Even the highest estimate falls short of what mothers truly provide. Why? Because the most meaningful things a mother offers cannot be bought. She gives comfort in moments of fear, wisdom in seasons of confusion, encouragement when confidence is low, and love that remains steady through every stage of life. For many, a mother’s care becomes one of the clearest early reflections of God’s tenderness and faithfulness. That is why Scripture calls us not merely to acknowledge mothers, but to honor them. Honor with Words Proverbs 31:28 paints a beautiful picture of gratitude in action: “Her children rise up and call her blessed; her husband also, and he praises her.” Notice that this family does not simply feel thankful—they express it. One of the simplest and most powerful ways to honor your mother is to tell her what she means to you. Thank her for the sacrifices she made, the prayers she prayed, and the ways she loved and served, even when no one else noticed. Words of gratitude can become a gift that lingers long after Mother’s Day has passed. Honor with Care As mothers grow older, honoring them often takes on a new form. It becomes practical, intentional care. That may mean helping financially, assisting with daily needs, offering emotional support, or simply giving the gift of your time and presence. Jesus addressed this in Mark 7:10–13 when He rebuked those who used religious excuses to avoid caring for their parents. Their outward devotion masked inward selfishness. Christ made it clear that genuine love for God is never separated from love for people—especially those within our own families. Honoring a mother is not confined to a holiday. It is a lifestyle of gratitude, responsibility, and love. A Legacy That Lasts Forever This Mother’s Day, take time to celebrate the women who have shaped your life—your mother, your wife, your grandmother, or perhaps a spiritual mother who has walked beside you in faith. Let her know she is seen. Let her know she is loved. Let her know her work matters. Because when a mother faithfully serves her family, prays for her children, and passes on her faith, she is doing more than building a home. She is shaping eternity. Mother’s Day is more than a date on the calendar. It is an...

Is it possible to help your adult children in a way that actually keeps them from growing? It’s a difficult question, but an important one. Many parents want to support their children well, especially when their children face setbacks, financial stress, or uncertain times. Yet the way we offer help can shape not only their circumstances, but also their character. The goal isn’t simply to make life easier. It’s to help in ways that strengthen them rather than sideline them. When Love Needs Wisdom For many parents, this is a tender place to stand. You love your children deeply. You want to see them flourish. And when they struggle, every instinct says, Step in and fix it. That instinct often comes from a good place. But even good instincts need wisdom. Consider a baby bird hatching from its shell. It may seem compassionate to help it break free, but if you intervene too soon, the bird may not survive. The struggle of pushing through the shell is essential. It develops the strength and coordination needed for life outside the egg. The struggle isn’t the problem. It’s part of the preparation. In the same way, when we remove every difficulty from our children’s lives, we may step in at the very moment when growth is meant to happen. When Support Slowly Becomes Dependence Most parental help begins with simple acts of care: None of these is inherently wrong. In many cases, they are loving and appropriate responses. But over time, those moments can accumulate. And eventually the question changes from How can I help? to Is this actually helping? Are you helping them move forward—or delaying lessons they need to learn? Are you offering support—or carrying responsibilities that now belong to them? That tension is real, and one of the hardest parts of parenting adult children is knowing when to step back. Support in Ways That Move Them Forward Healthy support should encourage progress, not prolong immaturity. This is an act of stewardship—not only of your resources, but of their formation. The goal is not to eliminate every hardship. Often, maturity takes root in the soil of challenge. Consider tying support to clear next steps, such as: Support like this doesn’t replace responsibility. It reinforces it. An adult child living at home is not automatically a sign of failure. Throughout history, including biblical times, multigenerational living was common and remains normal in many cultures today. The better question is not Where are they living? But are they growing in responsibility? Are they contributing? Learning? Planning? Taking steps toward independence? Those are the indicators that matter most. Burdens and Loads: Knowing the Difference Scripture offers a helpful framework for discerning when to step in and when to step back. Galatians 6:2 says, “Bear one another’s burdens.” Yet Galatians 6:5 says, “For each will have to bear his own load.” So which is it? The answer is both. A burden is something too heavy to carry alone—a crisis, deep hardship, or overwhelming circumstance. A load is the ordinary responsibility each person is meant to carry—daily choices, obligations, and personal stewardship. This distinction is helpfully explained in Boundaries by Henry Cloud and John Townsend. They note that healthy relationships require clarity about what belongs to us and what belongs to someone else. Wisdom is knowing the difference. When parents consistently carry what belongs to their adult children, they may relieve pressure in the moment—but unintentionally prevent the growth that responsibility can produce. Protect Your Marriage and Financial Foundation Before offering significant financial help, it’s wise to pause and talk with your spouse. Pray together. Discuss what you can realistically give, what you cannot sustain, and what patterns you want to avoid. Unity matters. So does financial stability. Just as flight attendants remind passengers to secure their own oxygen mask first, you need to protect...

Economic headlines can rattle our confidence. Markets fluctuate, layoffs make news, and inflation or recession fears can create a sense of instability. When uncertainty rises, fear often follows—and fear can drive financial decisions we later regret. But while the economy changes, God’s wisdom does not. Scripture offers steady guidance that helps us respond with clarity instead of anxiety. In today’s conversation, financial teacher, author, and co-founder of Kingdom Advisors, Ron Blue, shared with us timeless principles for navigating uncertain times with confidence rooted in the Lord. Why Financial Uncertainty Creates Anxiety According to Ron Blue, much of our financial stress comes down to one word: uncertainty. When people feel like circumstances are outside their control, anxiety often increases. Daily headlines about markets, job losses, or global instability can make us feel like something urgent must be done immediately. That pressure can lead to emotional rather than wise decision-making. Rather than acting from fear, believers are invited to remember that while circumstances may shift, God remains faithful. As Scripture reminds us: “Jesus Christ is the same yesterday and today and forever.” (Hebrews 13:8) One of the greatest ways to reduce fear is to have a plan. Without a plan, every headline can push us into reaction mode. We may feel tempted to sell investments too quickly, take on debt to maintain our lifestyle, or abandon long-term goals because of short-term concerns. But when we follow wise, biblical principles, we gain perspective. We can step back, think clearly, and make decisions based on truth rather than emotion. A plan does not remove every challenge, but it provides direction when emotions run high. Four Timeless Financial Principles Ron Blue highlighted four foundational principles that remain effective in both strong economies and difficult ones. 1. Think Long Term Financial decisions should be guided by long-term goals, not short-term fear. Temporary headlines should not determine permanent strategies. Patience and perspective are essential parts of wise stewardship. 2. Spend Less Than You Earn This is one of the most foundational financial principles. Living below your means creates margin, flexibility, and peace. When income exceeds spending, you are better positioned to save, give, and prepare for future needs. 3. Build Emergency Savings Unexpected expenses are not a matter of if, but when. An emergency fund creates liquidity when life brings surprises. Even small, consistent savings can provide stability over time. 4. Minimize Debt Debt increases financial risk by committing future income to past decisions. It can reduce flexibility and add pressure during already stressful seasons. While not all debt is the same, reducing unnecessary debt is often a wise step toward greater freedom. A Practical Step You Can Take This Week If you feel unsettled financially, start with a simple financial checkup: Start small if needed. Small steps often create momentum, and momentum builds confidence. It’s similar to using a roadmap or GPS. When you know where you’re going and how you plan to get there, the journey feels less overwhelming. Every generation has faced seasons of fear and uncertainty. Economic downturns, wars, political unrest, and personal hardship have always been part of life in a fallen world. What changes are the circumstances. What remains constant is God’s truth. His Word is still trustworthy, still relevant, and still sufficient for the challenges we face today. Where Trust Ultimately Rests A biblical view of money does more than change what we do—it transforms how we think and ultimately who we trust. Financial security is never found merely in markets, savings accounts, or headlines. True security is found in the Lord, who is our provider and guide in every season. When uncertainty comes, wise stewardship matters. But even more than that, so does...

Greek philosopher Epictetus once said, “Wealth consists not in having great possessions, but in having few wants.” That insight may be more relevant today than ever. We live in a world constantly urging us to want more, upgrade more, and pursue more. But what if that endless pursuit is costing us something far more valuable than money? What if wanting less is one of the most powerful financial decisions we can make? On today’s episode of Faith & Finance, financial coach and author Bob Lotich joined the show to discuss why contentment creates freedom—and how learning to want less can reshape our financial lives. A Better Financial Question Most people make spending decisions by asking one question: Can I afford this? That’s not a bad question—but it may not be the best one. Bob suggested a deeper question: Can I afford to want this? That shift matters because some things we own eventually begin to own us. A purchase may fit the budget, but still bring new pressures, obligations, and distractions. The issue isn’t always the price tag—it’s the grip that desire can have on our hearts. Bob shared the story of Roman general Manius Curius Dentatus. When enemies attempted to bribe him with gold and expensive gifts, they found him roasting turnips for dinner. Seeing his simple lifestyle, they realized a man content with so little could not be bought. The lesson is timeless: contentment removes leverage. When we need less, we are less vulnerable to manipulation, fear, and compromise. The fewer things we depend on for identity or security, the freer we become. How Desire Can Become a Chain Every unchecked desire can create a new chain. A larger lifestyle often requires a larger paycheck. More possessions usually mean more maintenance, more bills, and more commitments. Debt can magnify that burden even further. Scripture warns, “The borrower is slave to the lender” (Proverbs 22:7). While that may not mean literal slavery today, the principle still stands: financial obligations can reduce flexibility and limit our ability to respond when God leads us in a new direction. Bob shared the story of someone who sensed a clear call into ministry but couldn’t accept the opportunity because debt payments made the lower salary impossible. That’s more than a budgeting issue—it’s a discipleship issue. Jesus said, “You cannot serve God and money” (Matthew 6:24). That warning is not only about greed. It is also about control. Financial obligations demand time, energy, and attention. When too many of them pile up, they begin directing our choices. As Bob put it, sometimes our possessions end up possessing us. Two Very Different Responses to Wealth The Gospels give us two striking examples. The rich young ruler walked away from Jesus because he could not release his wealth (Mark 10:17–22). Zacchaeus, on the other hand, responded to an encounter with Jesus by joyfully giving away half of his possessions and making restitution to those he had wronged (Luke 19:1–10). The difference wasn’t the amount of money involved. It was the hold that money had on their hearts. The Secret of Contentment The Apostle Paul wrote: “I have learned in whatever situation I am to be content” (Philippians 4:11). Paul had experienced abundance and need. Yet his joy wasn’t tied to either one. That kind of contentment is true freedom. It means we can live faithfully in seasons of plenty or scarcity because our confidence rests in God, not in circumstances. Wanting more often begins with comparing more. Social media can intensify this struggle by putting everyone else’s highlight reel in front of us every day. It becomes easy to feel behind, dissatisfied, or pressured to keep up. One practical step Bob shared was limiting social media use. Sometimes reducing the voices shaping our desires is one of the fastest paths to peace. How to Start Wanting Less If you long for greater freedom, begin here: 1. Evaluate Your Desires. Ask what you deeply want right...

Billy Graham once said, “A checkbook is a theological document. It tells you who and what you worship.” It’s a striking statement—but an important one. Most of us make financial decisions every day without thinking much about them. We buy groceries, renew subscriptions, grab coffee, replace something that broke, or make an impulse purchase that feels harmless in the moment. These choices can seem ordinary and disconnected from our spiritual lives. But Scripture invites us to look deeper. Our spending habits often reveal more about our hearts than we realize. They can uncover what we value, what we pursue, and where we place our trust. More Than Transactions A bank statement may look like a list of numbers and purchases, but over time, it tells a story. It reflects priorities. Where our money goes often shows what matters most to us. That’s why money is never just about math—it also has a spiritual dimension. Financial decisions can expose desires, fears, habits, and hopes that might otherwise remain hidden. The prophet Isaiah asked this searching question: “Why do you spend your money for that which is not bread, and your labor for that which does not satisfy?” (Isaiah 55:2) That’s not merely a budgeting question. It’s a heart question. God is asking His people why they keep investing themselves in things that can never truly satisfy. It’s a question worth asking today as well. Jesus adds another layer in Luke 16: “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” (Luke 16:11) Jesus is not condemning money. He is reframing it. Money is temporary. It is a tool. But how we handle that tool reveals something deeper about our readiness to receive what truly matters. In that sense, money becomes a test of trust. Every purchase, every swipe of the card, every budgeting decision expresses something about what we love. And because of that, even everyday spending can become an opportunity for worship. Ownership vs. Stewardship The early church martyr Polycarp of Smyrna is often credited with this insight: “The world asks, What does a man own? Christ asks, How does he use it?” That gets to the heart of biblical stewardship. The question is not simply what we possess, but how we use what God has entrusted to us. Scripture consistently reminds us that everything belongs to the Lord, and we are called to manage His resources faithfully. That changes the way we think about spending. We are not merely consumers deciding what to do with “our money.” We are stewards seeking to honor God with what He has placed in our hands. A Warning from Haggai The book of Haggai gives us a vivid picture of what happens when priorities drift. After returning from exile in Babylon, the people of Israel came home to ruins. The temple—the center of worship and identity—had been destroyed. At first, they began rebuilding it. But as opposition grew and enthusiasm faded, their focus shifted. Instead of restoring God’s house, they concentrated on their own comfort, building paneled homes while the temple remained neglected. So God sent the prophet Haggai with a piercing message: “Is it a time for you yourselves to dwell in your paneled houses, while this house lies in ruins? … You have sown much, and harvested little… and he who earns wages does so to put them into a bag with holes.” (Haggai 1:4–6) Their spending reflected misplaced priorities. And the result was frustration, emptiness, and lack of satisfaction. The Same Tension Today That same dynamic can surface in our lives. When spending is driven more by comfort than conviction, we may find ourselves chasing more while enjoying less. The satisfaction we expected never quite arrives. Sometimes the issue is overspending. Other times, it’s an unwillingness to spend generously at all. If generosity feels difficult while personal indulgence comes easily, that tells a story too. If fear keeps us from open-handedness, it may reveal a...

“For everything there is a season, and a time for every matter under heaven.” - Ecclesiastes 3:1 Life moves in seasons—and with each season often comes new challenges, new opportunities, and sometimes new financial finish lines. On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to discuss why adjusting your financial finish line is not only okay—it can be wise and faithful. What Is a Financial Finish Line? A financial finish line is simply an answer to the question: How much is enough? It helps separate what we intend to use for our own needs from what we can make available for Kingdom purposes. Rather than endlessly increasing lifestyle spending or accumulating wealth without direction, a finish line provides clarity and purpose. For many people, the idea of setting a finish line can feel intimidating. It may sound final or restrictive. But Cody emphasized that a finish line is not about perfection—it is about growth. Your first finish line does not have to be your last. Why Finish Lines Need to Be Revisited Just as a financial plan should be reviewed regularly, your finish line should be revisited as life changes. There are many reasons to adjust it: These shifts may change the cost of maintaining the same lifestyle, making it wise to reassess your financial boundaries. At first glance, caps and limits can sound restrictive. But Cody shared that in practice, setting a finish line often creates freedom. Instead of constantly wondering if you need more, you begin to experience: That reflects a biblical pattern. God’s boundaries are not meant to diminish joy but to protect and deepen it. Financial limits can function the same way. Two Types of Finish Lines 1. A Lifestyle Finish Line This is the amount needed to support your current and future lifestyle. It helps determine the appropriate and sustainable level of spending. 2. A Net Worth Finish Line This is the amount of wealth you believe is wise to accumulate over your lifetime. Cody connected this idea to Luke 12 and the parable of the rich fool, who stored up more than he needed while missing the deeper purpose of his resources. The issue was not wealth itself, but accumulation without a Kingdom perspective. Three Questions to Help Define “Enough” Cody highlighted three key areas to prayerfully consider: Your Lifestyle Needs -Wealth Transfer -Conservative Margin - These categories can help shape a thoughtful and prayerful plan. If You’re Beyond Your Finish Line If you realize you are accumulating more than needed, Cody suggested asking one important question: Why am I holding on to these resources in the first place? That question can expose fear, habit, or misplaced trust—and open the door to greater generosity and purpose. Start Before You Feel Ready One of the most practical insights from the conversation was this: don’t wait until you “arrive” to become generous. Even if you have not reached your finish line, begin giving now. Build habits of generosity with what God has already entrusted to you. As Scripture reminds us, “You will be enriched in every way so that you can be generous on every occasion” (2 Corinthians 9:11). A Practical First Step Not sure where to begin? Try setting a finish line for the next 90 days. You do not need a lifelong blueprint today. You only need the next faithful step. Experiment, learn, pray, and refine along the way. Your finish line is not a rigid rule—it is a discipleship tool. It reminds you that everything belongs to God, and you are a steward of what He has entrusted to you. In every season, the goal is not simply to have more. The goal is to know what is enough, live with contentment, and be ready to participate in God’s Kingdom purposes with joy. If you’d like help prayerfully answering the question, How much is enough? FaithFi has created its very first FaithFi Field...

For many retirees, their home is their largest asset. Yet in countless financial plans, that asset is treated as if it barely exists. Retirement conversations often focus on Social Security, pensions, IRAs, and investment accounts while overlooking the value built up in a home over decades. On today’s episode of Faith and Finance, Harlan Accola of Movement Mortgage joins to discuss why home equity may deserve a more thoughtful place in retirement planning—and how a reverse mortgage, when used wisely, can become one tool among many. The Overlooked Asset in Many Retirement Plans According to Harlan, many planning tools display home equity on paper but treat it as untouchable. In practice, that means one of a retiree’s largest resources is often ignored. Why does this happen? Sometimes, advisors are not trained to incorporate home equity strategically. Other times, people assume reverse mortgages are only for emergencies or financial distress. But that perspective may miss an important opportunity. Harlan describes home equity as a potential third bucket alongside income sources and investment accounts. Instead of relying only on withdrawals from retirement savings, some retirees may be able to use home equity strategically to reduce pressure on their portfolio. That can be especially helpful during market downturns or in years when withdrawing from investments would be less advantageous. The idea is not to replace investments or income, but to strengthen the overall plan by considering every available resource. More Than Monthly Cash Flow When people hear “reverse mortgage,” they often think only about immediate cash needs. But strategic planning can involve much more than that. Harlan noted that incorporating home equity may create flexibility in several areas, including: These decisions can significantly impact long-term financial outcomes. What About Leaving an Inheritance? One common concern is whether using home equity will leave nothing to pass on. Harlan explained that many families are surprised to learn that this is not always the case. Depending on appreciation, spending patterns, and the overall plan, some home equity may remain. In some scenarios, overall net worth may even improve because other assets were preserved. Of course, every situation is different, which is why personalized analysis matters. A Biblical Perspective on Stewardship Scripture reminds us, “Moreover, it is required of stewards that they be found faithful” (1 Corinthians 4:2). Faithful stewardship means wisely managing everything God has entrusted to us—including assets we may be tempted to ignore. A home is more than shelter. It can also be a financial resource that, when handled prudently, helps provide stability, reduce burdens on loved ones, and create greater freedom for generosity. That does not mean a reverse mortgage is right for everyone. But it does mean it may be worth understanding before dismissing it. Consider the Whole Picture Wise planning begins by asking better questions. Instead of assuming home equity should remain untouched, consider whether it has a role in your broader financial strategy. If you’d like to explore how reverse mortgages fit into retirement planning, learn more from our trusted partners at Movement Mortgage at FaithFi.com/Movement. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Movement MortgageSound Mind Investing (SMI)Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom 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....