Money can so easily capture our hearts. It promises security, comfort, and control—but often leaves us anxious and striving for more. Yet when we give, something remarkable happens. We’re declaring our dependence on God, not our bank accounts.

Dr. Art Rainer—founder of the Institute for Christian Financial Health and author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose—joined us recently to explore how generosity becomes an act of trust that transforms our hearts and deepens our faith.

Money Reveals the Heart

Larry Burkett often said, “Every spending decision is a spiritual decision.” Dr. Rainer agrees.

“Jesus said, Where your treasure is, there your heart will be also,” Art explained. “The Bible makes it clear—money management reflects heart management.”

Scripture contains over 2,000 verses about money and possessions. Why? Because few things so clearly reveal what—or whom—we truly trust. For believers, the central question is this: Do we believe God’s promises about provision, and are we willing to surrender this area of life to Him?

Giving as an Act of Trust

Dr. Rainer describes giving as a tangible expression of faith. “God doesn’t tell us to give and then leave us hanging,” he said. “He ties promises to generosity.”

Those promises fall into three beautiful truths—God will provide, multiply, and enrich.

1. God Promises to Provide

In Malachi 3:10, the Lord declares:

“Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do, I will open the windows of heaven for you and pour out a blessing so great you won’t have enough room to take it in. Try it! Put me to the test!”

“God invites us to trust Him,” Art said. “He promises to pour out an abundance of blessings—not necessarily material wealth, but blessings that can be spiritual, relational, or emotional. Maybe it’s the contentment you’ve been chasing for years, or the joy of being part of something far greater than yourself.”

2. God Promises to Multiply

In John 6, a young boy offers his five loaves and two fish to Jesus—hardly enough to feed five thousand hungry people. Yet Christ multiplies that small gift until everyone is satisfied, with twelve baskets left over.

“Many of us feel like that boy,” Art said. “We look at our meager resources and wonder, What difference can this make? But God is a God of multiplication. He can take whatever you give and expand it to accomplish His purposes. That’s His promise—but it requires trust.”

3. God Promises to Enrich

Who doesn’t love a good return on investment—or ROI? “God does too,” Art said.

In 2 Corinthians 9:11, Paul writes, “You will be enriched in every way so that you can always be generous.”

“God gives so that we can give,” Art continued. “He blesses so that we can bless others. He’s looking for conduits of generosity—people through whom His blessings can flow. When we live that way, generosity becomes not just a habit, but a way of life.”

Trusting God With Your Money

As Dr. Rainer summed it up:

“Generosity is an act of trust. It shifts our hearts from reliance on ourselves and money to reliance on God. If you’re a Christian, you’ve already trusted Him with your soul. It’s time to trust Him with your money.”

When we give generously, we’re not losing—we’re investing in eternity. We’re saying, “Lord, I believe You are my provider.” And that’s one of the clearest ways to live out genuine faith.

Learn more about Dr. Art Rainer’s work at ChristianMoneySolutions.com.

On Today’s Program, Rob Answers Listener Questions:

• I’m 69 with no debt and considering a whole life insurance policy—$100,000 with premiums for 10 years—to leave tax-free money to my children. I already have a term policy that ends at 75. I also have $28,000 in an underperforming annuity with no surrender charge, and was advised to do a 1035 exchange into a new annuity at 4.65% for seven years. I’ve also invested in CDs at 4% and am considering high-yield savings accounts. What’s the best strategy moving forward?
• My in-laws are around 80 and have fully matured savings bonds. When they used some for home upgrades, they faced a large tax bill. Is there any way to move or reinvest those bonds to delay or avoid taxes—perhaps into an IRA or Roth IRA?
• I manage finances for someone receiving annual settlement payments until 2036. He wants to create a trust now to support three families, but his lawyer recommends keeping the money in savings while he’s alive. The payer says a trust can be set up after his death. Should he establish the trust now or wait?
• I’m debt-free and have my cash in a high-yield savings account, but rates are dropping. Should I invest some of it or find another way to protect and manage my money?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Money in the Light of Eternity: What the Bible Says about Your Financial Purpose by Dr. Art Rainer
• The Institute for Christian Financial Health
• Christian Money Solutions
• Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. 
• Christian Community Credit Union (CCCU)
• Gainbridge
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments?

Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what’s ahead.

According to Mark Biller, Executive Editor at Sound Mind Investing (SMI), the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular.

Cyclical vs. Secular: What’s the Difference?

“The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.”

• Cyclical markets are the short-term ups and downs—periods that might last a few months to a few years.
• Secular markets are the broader, long-term trends that can span decades—often between 10 and 40 years.

Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time.

Learning from History: Market Examples

From 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors’ purchasing power. That’s what economists call a secular bear market—a long-term period of little to no progress.

Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic.

The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.”

The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time.

Why It Matters—Especially for Bond Investors

Understanding these cycles isn’t just an academic exercise. “It’s actually more helpful when it comes to bonds than stocks,” Biller explains.

That’s because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that’s led to negative returns for many bond investors over the last five years.”

This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well.

Rethinking the Classic 60/40 Portfolio

For decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today’s environment, that mix may need to evolve.

“At Sound Mind Investing (SMI), we’ve reduced our bond allocation to around 30%,” Biller explains. “We haven’t abandoned bonds altogether, but we’re diversifying beyond them.”

That diversification includes strategies like:

• Dynamic asset allocation—adjusting investments as market conditions shift
• Gold and commodities—as hedges against inflation
• Real estate and energy stocks—for long-term growth potential
• Alternative assets like Bitcoin (in small doses), to add further variety

Building a Portfolio That Endures Every Season

Whether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that’s resilient and rooted in wisdom.

Biller’s encouragement for long-term investors is simple:

“We’re not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.”

That perspective echoes a deeper truth for believers: our ultimate security isn’t found in market trends but in God’s unchanging character. Markets may rise and fall, but His promises endure forever.

Faith, Patience, and Perspective

Understanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise.

As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”

In every bull and bear market, we’re called to plan wisely, give generously, and trust deeply—knowing that the One who holds the future also holds us.

For more practical investing insights and biblical wisdom, visit SoundMindInvesting.org.

On Today’s Program, Rob Answers Listener Questions:

• I’m nearing retirement with no debt and some investment savings, but I don’t have a pension. Would it make sense to use part of my investments to buy an annuity for guaranteed monthly income in addition to Social Security?
• I’m in my 70s, retired, and divorced, and much of my income goes toward alimony. How can I balance saving for emergencies while still giving more to the Lord’s work, which I see as the greater reward?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Sound Mind Investing (SMI)
• Bulls and Bears, Cyclical and Secular (SMI Article by Mark Biller and Joseph Slife)
• SMI Dynamic Asset Allocation Model Strategy
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It’s one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn’t just about inheritance. It’s about passing on faith, values, and a vision for generosity.

To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF)—a trusted partner helping believers give wisely and joyfully.

From Obligation to Joyful Generosity

Christin’s passion for generosity began early, though not in the way it’s shaped her life today.

“As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn’t until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.”

That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out.

What’s Driving the Next Generation to Give

When it comes to generosity, Millennials and Gen Z are rewriting the playbook.

According to NCF’s research, millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.”

Christin explains:

“They believe all resources have equal value—not just money, but time, influence, and relationships. They don’t just want to write a check. They want to be part of the change.”

This shift from transactional to relational giving marks a profound change from previous generations.

Reimagining Traditional Tools

Younger Christians aren’t abandoning tools like donor-advised funds, estate plans, or investment portfolios—they’re personalizing them.

“They want to see impact,” Christin said. “They’re asking, ‘How is my giving being used?’ and ‘What difference is it making?’”

They’re also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones.

At NCF, this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact.

What Advisors Need to Know

Financial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset.

“Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It’s not just about managing money—it’s about helping them uncover all the ways God’s entrusted them to give.”

For advisors, that means focusing less on control and more on collaboration, connection, and calling.

How Families Can Have Faith-Filled Conversations

Generosity isn’t just a financial transaction—it’s a family story. Cristin encourages families to start there.

“The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.”

Listening to one another’s experiences helps bridge differences and creates a shared vision for stewardship across generations.

How NCF Is Helping the Next Generation Live Generously

At the National Christian Foundation (NCF), this generational shift is sparking new ideas and tools for families and advisors alike.

• New Research & Resources: NCF has published a comprehensive Next Gen Generosity Report—designed to help both older and younger generations navigate these conversations.
• Experiences & Events: Through community gatherings and local partnerships, NCF helps families explore generosity together—often in creative, organic ways led by next-gen participants.
• Collaboration with Advisors and Churches: NCF connects givers to trusted partners who can guide them through every stage of stewardship—from first-time donors to business owners planning legacy gifts.

You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch.

The Power of Agency

One key insight from NCF’s research is the role of agency in healthy stewardship.

“We define agency as the ability to act on the free will God gives us,” Cristin explained. “The more we step into that responsibility—making decisions, taking ownership—the more confident and joyful we become.”

That means even those who inherit wealth should be encouraged to find their “Gen 1” opportunities—ways to take initiative, make decisions, and live out their calling to give.

The Influence of Women in Generosity

Another striking finding: women—especially mothers—play a major role in shaping generosity.

“Seventy-two percent of millennials we surveyed said their mothers were the biggest influence on their giving,” Cristin shared.

Yet, the research also revealed that many women feel unheard in family wealth decisions. The next step, Cristin says, is ensuring their voices are part of the conversation.

“This is the time to incorporate women’s perspectives in giving and wealth transfer. Their influence is profound—and essential.”

Passing Faith Along With Finances

As this great wealth transfer unfolds, Cristin reminds us that what we pass on matters more than what we possess.

“It’s not just about money moving between generations,” she said. “It’s about passing along faith, values, and purpose.”

And that’s a legacy that truly lasts. Learn more about how you can make generosity part of your family’s story at FaithFi.com/NCF.

On Today’s Program, Rob Answers Listener Questions:

• Our home is fully paid off, and we’re nearing retirement. I’ve heard you discuss reverse mortgages, but I have always been hesitant. What are the real benefits and drawbacks, especially regarding the accumulated interest? Also, what kind of closing costs or fees should we expect, and which company do you recommend?
• I’m approaching my required minimum distribution and recently learned about qualified charitable distributions (QCDs). Can I withdraw the money first and then donate it, or must it go directly to the charity to qualify?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• The National Christian Foundation (NCF)
• NCF Next Gen Generosity Report
• Women, Wealth, and Faith Research Study (Sign up to Participate) - Partnership with Women Doing Well and the Lake Institute on Faith & Giving
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It’s always a pleasure to welcome back Dr. Shane Enete—Associate Professor of Finance at Biola University, founder of Biola’s Financial Planning Program, and creator of The Money Storybook Bible Podcast. His creative work helps parents disciple their children in biblical stewardship by weaving financial lessons into retold Bible stories.

When asked what inspired the podcast, Dr. Enete explained that the idea grew from a common question he receives: “How can I teach my kids about money?” His realization was simple yet profound—the Bible already does this. “The Bible talks about money more than almost any other topic, and it’s filled with stories for all ages,” he said. “So I thought, what if I just told these stories to my kids in a way that helped them see themselves in the story and learn about money at the same time?”

Stewardship as an Expression of Love

For Dr. Enete, the goal goes far beyond teaching budgeting or saving. “Stewardship is one of the greatest opportunities we have to express our love for Jesus,” he said. “When we share, we’re loving Him and others.”

He hopes parents and children alike will see money not as a source of stress or status, but as an opportunity for love, wisdom, and worship. “I want kids to understand the dangers of debt and discontentment,” he added, “but even more, I want them to know that Jesus is everything—and that money can be used to love Him.”

Storytime with a Purpose

Each podcast episode features Dr. Enete reading to his own children, with interactive moments that bring the stories to life. “We start with fun icebreakers, like a ‘Would you rather’ question, then read a Bible story together,” he explained. “Afterward, I ask questions to help them reflect, and we finish with a hands-on activity that reinforces the lesson.”

One of Dr. Enete’s favorite family moments came from a story about Solomon. “I asked my kids which world they’d rather live in—one where they’re rich but don’t know Jesus, or one where they have Jesus but not the riches. They didn’t even hesitate—they chose Jesus. That’s when I knew these lessons were hitting home.”

The Story of Lydia: Business as Ministry

One memorable episode, Purple Snail Robes, retells the story of Lydia from Acts 16. In Dr. Enete’s version, Lydia initially wants to give away her wealth to follow Paul, but he helps her see that her business can be a ministry in itself.

“Sometimes God wants us to serve Him right where we are,” Paul tells her. “When you share what you have and do your work with skill and kindness, you’re showing people who Jesus is.”

Dr. Enete shared that Lydia’s story was inspired by the idea of Gospel Patrons—those who use their resources to fuel God’s work. “Lydia was one of the first gospel patrons,” he said. “I wanted kids to see that our work and business can glorify God. Plus,” he laughed, “the fact that purple dye came from smashed snails makes it extra fun for kids!”

The Story of Nicodemus: Costly Generosity

Another powerful episode, 75 Pounds of Spices, reimagines Joseph of Arimathea and Nicodemus as they prepare Jesus’ body for burial—with a young girl named Abigail watching nearby. The story illustrates generosity that is both courageous and costly, as Joseph donates his tomb and Nicodemus buys an extravagant amount of burial spices.

Even little Abigail joins in, offering her treasured blue necklace to honor Jesus. “That moment shows that no act of generosity is too small,” said Dr. Enete. “It’s a picture of giving that flows from love—something children can grasp in a tangible way.”

Free Resources for Families

To help parents extend the lessons at home, Dr. Enete created a free activity book that pairs with the podcast. It includes fun exercises, badges, and a certificate of completion—each tied to key money principles like giving, saving, and contentment.

You can find the podcast and resources at WholeHeartFinances.com.

At the heart of The Money Storybook Bible Podcast is a simple but transformative message: Jesus is the true treasure. Teaching kids about money isn’t just about dollars and cents—it’s about helping them see that every financial decision can be an act of love for God and others.

As Dr. Enete put it, “More than anything, I want kids to know that money isn’t the goal—knowing and loving Jesus is.”

On Today’s Program, Rob Answers Listener Questions:

• I’ve been diagnosed with a terminal illness and care for my four-year-old grandson. I have $100,000 in life insurance, $50,000 in retirement savings, and $20,000 in cash. How can I set up a trust and invest wisely to provide for him after I’m gone? Also, does the guardian I choose also control the trust, or must they be named separately as trustee or beneficiary?
• I’ve seen ads claiming thieves can steal your home’s title unless you buy special insurance. Is that a real concern or just a scare tactic?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• The Money Storybook Bible Podcast
• Whole Heart Finances
• Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy by Dr. Shane Enete
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When Ron Blue joins us, it’s always a masterclass in biblical wisdom. He’s co-founder of Kingdom Advisors, a best-selling author, and a trusted mentor to many. Ron has spent decades helping believers apply God’s principles to every area of life and business.

Today, Ron unpacks what Scripture teaches about partnerships and how faith should shape the way we enter, manage, and exit them.

The Broader Meaning of “Partnership”

When the Apostle Paul warned believers about being “unequally yoked,” he wasn’t speaking only about marriage. As Ron explains, “Paul was talking about partnerships—and there are so many kinds.”

From professional firms and small businesses to investment ventures and partnerships, they can take many forms. And while they can be incredibly fruitful, they also carry spiritual and relational risks.

Ron pointed out that partnerships often last a long time—sometimes decades. “The CPA firm I founded has been operating as a partnership for 50 years,” he said. “But not all partnerships endure well. Like marriage, many end in conflict.”

Principle #1: Protect Your Testimony

Ron’s first principle is about spiritual integrity. “You have to ask what the partnership will do to your testimony,” he said. “If you’re unequally yoked with someone whose values fundamentally differ from yours, you could lose your witness in the process.”

He recalled being asked whether a Christian OB-GYN should enter a business partnership with a doctor who supports abortion. “Only you and God can answer that,” he said, “but it’s a big question. Your witness is always at stake.”

Principle #2: Plan Your Exit Before You Begin

“Have your exit strategy in place before you form the partnership,” Ron advises.

Just as couples prepare for challenges in marriage, business partners should anticipate potential separation. A clear exit plan protects both parties, ensures fairness, and helps maintain peace when the time comes to move on.

“When you have that in place,” Ron said, “you avoid a lot of conflict and preserve your testimony if you’re the believer who’s leaving.”

Principle #3: Preserve the Mission Beyond the Relationship

Perhaps the most powerful insight Ron shared was this: the mission must outlive the partnership.

Ron recalled his own experience leading a financial planning firm. “After 23 years, I left—but no one left with me,” he said. “They were committed to the mission. That’s what you want to see happen.”

A strong exit strategy and shared vision help ensure that the work—and the witness—continue long after any individual departs.

The Bottom Line

Shared faith isn’t just good for business—it’s essential for a lasting witness. Partnerships grounded in biblical principles reflect God’s wisdom and preserve peace amid challenges.

As Ron put it, “The most critical thing you want to preserve is your testimony. Everything else flows from that.”

On Today’s Program, Rob Answers Listener Questions:

• I’m concerned about vendors and service providers who want my bank account information for automatic withdrawals. I’ve been paying my lawn service with money orders, but now they require my account number. I told them we’d have to stop doing business because I’m not comfortable giving out that information. Isn’t this kind of intrusive? What do you think about vendors wanting access to our accounts?
• My spouse and I are both 70 and ready to retire. I own 10 rental houses, but managing them has become too much. Once I sell the properties, what should I do with the proceeds? I understand the basics about capital gains and selling real estate, but I don’t want the responsibility of managing individual stock investments myself.
• I’ve saved about $15,000 for a car, but have kept my current vehicle running as long as possible. It’s a 2007 with 235,000 miles and is starting to have more issues. I found a good used car for about $8,500 and am wondering if I should buy it now or keep driving my current one until it dies, even though repairs may be on the horizon.
• My parents’ health is declining, and we’re moving them closer to family. Their current home is in an irrevocable trust, but we’ve found a condo they can buy before selling that house. Can the new condo be added to the same irrevocable trust? And when the old home sells, what happens to the proceeds?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It’s one of the most valuable things we have—and one of the easiest to waste. 

We’ve all heard the saying, “Time is money.” But if that’s true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it’s the most limited resource God has given us. Learning to steward it well isn’t just good productivity advice—it’s an act of worship.

If you’ve ever said, “I just need a little more time,” you’re not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”

We treat time like a renewable resource when it’s really more like a savings account that’s constantly being drawn down. Every hour that passes is one you’ll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.

A Biblical View of Time

Scripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He’s not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.

From a biblical perspective, time isn’t ours to manage however we wish. It’s a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.

In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God’s glory. It’s the same word Paul uses elsewhere to describe what Jesus did for us on the cross.

Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we’re called to redeem our time—to invest every moment, conversation, and decision in what will last forever.

Here’s the catch: if you don’t decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren’t truly important.

Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father’s will.

How to Steward Your Time Well

So how can we live as if our time truly belongs to God?

1. Reevaluate Your Priorities

Every decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God’s eyes—and am I giving that my best time?”

2. Measure Time by Meaning, Not Money

Our culture values time by dollars per hour, but God’s economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”

3. Build Margin into Your Life

Just as financial margin creates freedom to give, time margin allows you to live generously. When you’re not overscheduled, you can pause to listen, serve, or rest. Sabbath isn’t wasted time—it’s holy time that reminds us that God is in control.

4. Steward Small Moments

Eternal impact isn’t found only in big events. It’s in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”

Making Your Hours Count for Eternity

When you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, ’twill soon be past; only what’s done for Christ will last.”

So what’s your time really worth? It’s worth exactly what you invest in eternity.

Don’t just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.

On Today’s Program, Rob Answers Listener Questions:

• I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I’d like something more flexible than a college savings plan.
• I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I’m thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?
• I recently bought an RV with dealership financing at 7.9% for 20 years, though I don’t plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator Soup
• List of Faith-Based Investment Funds
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many people say our healthcare system is broken—and maybe you’ve felt that yourself.

Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there’s a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it.

Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. 

Why an “Open Enrollment” Campaign for a Year-Round Ministry?

While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges.

This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it’s an excellent opportunity to shine a light on a biblical alternative.

Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who’ve paid premiums for years, only to find that help is unavailable when they need it most.

It’s disheartening. You think your provider is in-network, but later find out they’re not. That leaves patients confused and financially burdened. It’s a system that often leaves believers wondering if there’s a better way.

That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system.

How CHM Differs from Insurance

CHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other’s medical expenses—a reflection of biblical community and mutual care.

They’ve been around since 1981 and have shared or satisfied over $13 billion in medical bills. They’re a nonprofit ministry that helps Christians live out their faith through practical care.

Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry’s guidelines.

It’s simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they’re part of a community that cares.

At its core, CHM is not an insurance company—it’s a Christ-centered community built on shared values. Members give monthly to help other believers in need. It’s an act of faith and stewardship. And for most people, it’s far more affordable than traditional plans.

This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values.

Guidance for Those Exploring Their Options

For anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind.

You don’t have to be trapped in a broken insurance system. There’s a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable.

Many in the Faith & Finance audience are retirees or nearing retirement. So it’s important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover.

It’s what they call a ‘complementary’ approach, where CHM can help cover costs Medicare doesn’t pay, as long as they fall within its guidelines.

FaithFi is grateful for CHM’s partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don’t have to settle for a system that’s broken. There’s a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi.

On Today’s Program, Rob Answers Listener Questions:

• A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn’t have the money to pay for it. Where can he turn for help?
• I own a small business structured as an LLC, and I’m confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both?
• I’m a pastor, and one of my church members is struggling. After his father’s death, the estate was liquidated, leaving him without a home. He hasn’t filed taxes and now has tax debt. What’s the best way for him to address this?
• I’m looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Christian Healthcare Ministries (CHM)
• National Christian Foundation (NCF)
• Christian Credit Counselors
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your investments did more than earn returns—what if they helped shape the culture for good?

Today, we’ll explore how your money can not only grow but also advance God’s purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact.

Brian Mumbert is the President of Timothy Plan, an underwriter of Faith & Finance.

Giving That Flows from Faith

At the heart of Timothy Plan’s mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan—tithes its profits to support ministries aligned with biblical values.

Those partnerships reflect a desire to be active on the other side of Timothy Plan’s investment screens. In other words, it’s not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families.

This commitment is not theoretical—it’s deeply practical.

In Central Florida, Timothy Plan partners with organizations such as Choices Women’s Clinic, the area’s largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry. Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice.

Through the Kairos Prize, Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project, which equips entrepreneurs worldwide to start and grow businesses based on biblical principles.

A Legacy of Business as Ministry

Timothy Plan’s founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God’s work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God’s got a bigger shovel.”

That philosophy continues to shape Timothy Plan’s culture. They see business as ministry, and since we are all stewards of God’s money, we want to ensure it has an eternal impact.

For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we’re not just seeking a return—we’re influencing what gets built, produced, and promoted in our world.

This approach aligns with the broader mission of Timothy Plan: to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation.

At FaithFi, we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture.

To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com.

On Today’s Program, Rob Answers Listener Questions:

• I’m planning to retire in 2027 and want to move my deferred compensation. How do I go about that? And should I also get life insurance when I retire?
• My wife and I just bought a home with a 6.188% adjustable-rate mortgage for three years. Should we refinance now into a 30-year fixed, or wait to see if rates come down?
• I’ll start receiving my full Social Security benefits in December. How much can I earn without being taxed on it?
• Can you explain how your financial approach differs from Dave Ramsey’s? And since Social Security had me apply for widow’s benefits, will I owe taxes on that income?
• Should I invest in gold—or a mix of gold and silver—and how would I do that? And what about Bitcoin or other digital currencies? Are they wise investments, and how would I start?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Timothy Plan
• Charles Schwab | Fidelity
• An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever wonder why money so often reveals what we truly value? Today, we’ll find out.

You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we’re turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives.

Afton Phillips is the Head of Content at FaithFi: Faith & Finance. 

The Heart Behind Our Ultimate Treasure

When Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn’t set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God.

Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional.

Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn’t matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues.

That’s why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God’s purposes—to see money not as a source of stress or identity, but as a tool for worship.

Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most.

If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally.

Moving from Ownership to Stewardship

One of the most freeing shifts in a believer’s financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we’re simply managers of His resources, everything changes.

Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God’s.

Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God’s financial principles aren’t restrictive—they’re protective.

When we live within our means, avoid debt, plan diligently, and give generously, we’re reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn’t just shape our money; it shapes our hearts, making us look more like Christ.

The Gift of Margin, Generosity, and Legacy

One of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there’s no space left for God to move.

Creating margin is an act of faith. It’s how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways.

At FaithFi, we often say that generosity isn’t just about giving—it’s about joining God in His redemptive work. When we give, we participate in something far greater than ourselves.

Generosity becomes a reflection of God’s heart and a visible expression of His love in the world. The fruit of generosity isn’t measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact.

Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy.

Legacy isn’t about wealth—it’s about faithfulness. Preparing the next steward means intentionally helping the next generation understand that everything belongs to God. If we pass on money without passing on wisdom, we’ve missed the point. Our responsibility is to model open-handed living, teaching those who follow us to hold God’s gifts lightly and use them for His glory.

A Hope for Every Reader

Our prayer for Our Ultimate Treasure is simple: that it would help readers see money through God’s eyes and experience a renewed relationship with Him.

When we understand that everything we have belongs to a generous Father, our posture shifts from fear to trust. We move from striving to surrender. Financial stewardship becomes less about mastering money and more about walking in freedom with God.

If these 21 days lead someone to treasure Christ above all else—to trust Him more deeply and handle money in a way that honors Him—then this devotional has done its work.

Our Ultimate Treasure is available to all who become a FaithFi Partner by December 31. Partners will also receive the latest issue of Faithful Steward magazine as well as an early release copy of Rob’s new devotional whenever it is released in January 2026. Join us at FaithFi.com/Partner. 

On Today’s Program, Rob Answers Listener Questions:

• I’m planning to remodel two bathrooms for about $35,000–$36,000. I have $10,000 saved for repairs, $25,000 in emergency savings, and $45,000 in dividend-producing stocks. Should I use some of the dividend money or take out a low-interest loan to cover the rest?
• I’ve enrolled in Medicare Part A but not Part B. My company has fewer than 20 employees and will soon only have one. I’ve heard conflicting advice about penalties for delaying Part B, even with proof of insurance. Should I enroll now or wait?
• If someone saves $10 a week for 30 years, how much would that grow to over time?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Schwab Intelligent Portfolios | Betterment
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Blending a family takes grace—and so does blending your finances.

When couples merge families, they’re also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage.

Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. 

Why Honest Money Conversations Matter

There once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It’s a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations.

For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn’t guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship?

Money becomes the testing ground for those questions. That’s why avoiding financial conversations doesn’t protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered.

Finances are never just about dollars and cents. They’re about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I’m gone?

There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship.

When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together.

The Challenge of Inheritance and Trust

Consider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We’re one now—just leave everything to me, and I’ll take care of your family.

But Sandra hesitated. Her adult children hadn’t had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone?

This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn’t achieved through documents—it’s achieved through relational clarity. You can’t solve financial questions until you’ve addressed the relational ones.

Moving from Prenuptial to Togetherness

So what’s the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.”

Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won’t receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families.

In a Togetherness Agreement, couples prayerfully decide together:

• How do they care for children from prior relationships
• How inherited or premarital assets will be handled
• How responsibilities to other households or parents will be honored
• And how they’ll support one another financially in love and unity

It’s not about dividing assets—it’s about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other.

Taking Inventory—Emotionally and Financially

Before crafting any agreement, couples need to take inventory. That means both emotional and financial reflection.

Ask questions like:

• What financial baggage or debts are we bringing in?
• What past wounds or fears still shape the way we view money?
• What are our goals—for our family, our faith, and our future?

Blended families are always born out of loss—whether death, divorce, or something else. That history doesn’t have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation together.

Every couple’s situation is different, but here are key topics that should be covered in a Togetherness Agreement:

• Joint and separate accounts
• Debt and financial obligations from prior marriages
• Child or spousal support payments to other households
• Retirement, insurance, and investments
• College, cars, and other child-related expenses

Covering these topics doesn’t weaken love—it strengthens it. It replaces assumptions with clarity and fear with peace.

If all of this feels overwhelming, take heart. You don’t have to figure it out alone. Seek wise counsel—a trusted financial planner, pastor, or Certified Kingdom Advisor (CKA) can help you find creative and God-honoring ways to care for your family.

And above all, remember this: God’s grace is sufficient for your blended family. Submit your plans to Him. Let Him guide the process. As you do, He will grow you—not only in financial wisdom, but in love, unity, and faith.

When couples move from mine and yours to ours, they begin to reflect the very heart of God, who makes two one, and who calls us to love generously, even in the way we handle money.

On Today’s Program, Rob Answers Listener Questions:

• I’ve been struggling with $26,000 in credit card debt that I recently disclosed to my husband. A credit consolidation company says they can negotiate it down, so I’d pay $400 every two weeks and be debt-free in four years. It sounds good, but is this a trustworthy option—or are there drawbacks I should watch out for?
• I have UTMA accounts for my two sons, but I am considering switching to 529 plans. I’m mainly concerned that with the UTMA, they’ll gain full control of the money once they come of age. Would a 529 plan be a wiser choice?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal. Greg S. Pettys and David O. Edwards
• Christian Credit Counselors
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.