Zechariah 4:10 reminds us, “Do not despise these small beginnings, for the Lord rejoices to see the work begin.” When money is tight, giving more, saving more, or paying down debt can feel out of reach. But financial progress doesn’t always begin with a giant leap. Sometimes, faithfulness starts with one small step at a time. On this Faith & Finance on AFR, Brian Holtz joins Rob West with four practical ways to begin creating margin. Then it’s on to calls.