No one wants to face a financial crisis. Rob West shares the best way to avoid such a crisis... savings! Make savings a priority, the day will come when you’ll be glad you did.

Having money may turn us away from God, and a lack of it may cause our trust in Him to fail. Rob West shares a prayer from Proverbs 30 to help our focus be right where it needs to be no matter how much we have -- on God and trusting in Him to provide.

You can’t go back and change the past, but according to Rob West the good news is you can change the future. And the key to making changes in your future -- make them!

Is there such a thing as a saving gene? Rob West says no, in fact most savers had to learn. Maybe it took a few tries but they didn't quit. Don't give up, getting into the saving habit might be hard at first, but soon it’ll be like it’s part of your DNA.

To make the most of your money, replace a bad habit with a good one. Rob West shares two examples of good habits that, over time, can make a big difference in your finances.

To make progress in saving, use more than one bank account. Rob West shares how to keep money allocated for saving from getting mixed in with your other funds. Then you can actually make progress toward your financial goals.

Giving gift cards can seem to be a good idea. However, Rob West warns gift cards do have some downsides and shares those downsides so you can give in a way that benefits and protects the recipient.

Is it possible to create a budget in 60 seconds? Rob West attempts to but concludes It takes time, intentionality, and practice. Ask God for wisdom and provision, He’s faithful to guide you, even when the numbers don’t add up.

If you’re over 70½, you can make a charitable donation directly from an IRA. But Rob West warns be careful not to get caught in a tax trap. There are a few traps to look out for, but being generous is a great thing to be and do.

On average, you can expect an annual return of about 10 percent in the stock market. Rob West warns the problem is, there’s rarely such a thing as an “average” year so persevere and be patient.