Are our efforts to help the poor always helpful, or could they sometimes do more harm than good?

Today, we’ll explore how short-term missions can genuinely reflect the heart of Christ and bring lasting change, without unintentionally hurting the very people we aim to serve. Dr. Brian Fikkert joins us for that conversation.

Dr. Brian Fikkert is a Professor of Economics and Community Development and the Founder and President of the Chalmers Center for Economic Development at Covenant College in Lookout Mountain, Georgia. He is also the co-author of the book, Helping Without Hurting in Short-Term Missions.

What Is Poverty—Really?

Americans often define poverty materially—a lack of necessities, such as food, clean water, clothing, or shelter. As a result, short-term mission trips often center around distributing goods or completing construction projects. But when you ask materially poor individuals around the world what poverty means to them, they describe feelings of shame, helplessness, and a lack of dignity.

This reveals a disconnect: while we view poverty as a lack of material possessions, those experiencing it often define it in relational, psychological, and spiritual terms. True poverty is brokenness in relationship—with God, self, others, and creation. That insight should transform how we approach short-term missions.

Even the most well-intentioned trips can do harm. Why? Because those going on these trips may carry pride, believing they have the answers or that their culture holds superiority. In contrast, those in materially poor communities often struggle with inferiority. That combination can worsen the very sense of worthlessness we hope to alleviate.

Rather than reinforcing this brokenness, we should pursue humility and listen more than we speak. The goal should not be to "fix" but to restore—to foster healthy relationships that reflect the image of God in all people.

Presence Over Projects

Short-term trips shouldn't be about what we accomplish but about who we become in relationship.

If poverty is rooted in broken relationships, then the solution is to restore people to right relationships. And that doesn’t come through handing out supplies or completing a checklist—it comes through deep, lasting community.

That’s why the local church is God’s primary instrument of restoration. Mission teams should support these churches in a “backstage” role—serving quietly, praying faithfully, and encouraging leaders who are already embedded in the community. Sometimes the best thing you can do is babysit the pastor’s children so he and his wife can enjoy a night out. That kind of support strengthens the long-term work far more than any single project ever could.

The Sending Church’s Role in Long-Term Success

Many short-term trips blur the line between gospel and Western culture. But the gospel transcends culture—and so should we.

Colossians 1 reminds us that Christ is the Creator and Sustainer of all things. That means He is already at work in every community, regardless of how impoverished it may seem. When mission teams enter a new culture, they should approach it reverently, as if stepping onto holy ground. There is beauty in every culture, and highlighting it can be healing. Simply asking, “What’s good here?” affirms the image of God in others and begins the work of restoration.

How can the sending church help ensure long-term success in missions?

It’s not about executing a flawless trip. It's about fostering enduring partnerships with local ministries. That includes showing up year after year, offering consistent prayer and support, and being safe spaces where local leaders can be authentic. Success is not measured by how much we build but by how deeply we walk with others through life.

Fundraising as a Form of Discipleship

Short-term mission fundraising can also be reframed. Young people often feel pressure to produce tangible results in exchange for financial support. But if the goal is to learn and grow, that’s a worthy investment.

Go as a learner and communicate that clearly to your supporters. When trips are part of a larger discipleship journey, they become valuable not only for those being served but also for the transformation of those who participate.

Still, we must be wise stewards of God’s resources. Many trips could be more effective if better embedded in a long-term process of learning and partnership.

Short-term missions, when done right, can become powerful instruments of healing and restoration. But they must begin with a correct understanding of poverty and a humble willingness to be shaped by the journey.

For churches preparing for trips this summer, Helping Without Hurting in Short-Term Missions is more than a resource—it’s a reorientation of purpose.

To explore Dr. Fikkert’s work or find resources and group studies designed for churches, visit Chalmers.org.

On Today’s Program, Rob Answers Listener Questions:

• I just bought a new SUV and was offered bi-weekly payments. Would it be advantageous to opt for this option over monthly payments to minimize interest?
• My mother passed away in October of last year, and my sister and I are going to sell her house probably next month. My question is, in Texas, there's no inheritance tax. But is there an inheritance tax federally?
• We have some friends who asked us to give them a letter of giftedness to help them buy a home. They're asking for $17,000, for which they have $17,000 in cash that they will exchange for our check immediately. We don't understand why they can't just use their own cash, and we're not sure if helping them would cause difficulties for us or them.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• The Chalmers Center
• Helping Without Hurting in Short-Term Missions by Brian Fikkert and Steve Corbett with Katie Casselberry
• When Helping Hurts: How to Alleviate Poverty Without Hurting the Poor... and Yourself by Steve Corbett and Brian Fikkert
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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.

"For my thoughts are not your thoughts, neither are your ways my ways, declares the Lord. For as the heavens are higher than the earth, so are my ways higher than your ways and my thoughts than your thoughts." - Isaiah 55:8-9

You don’t have to study Scripture long to realize that God’s wisdom differs sharply from what the world considers wise. John Cortines joins us today to talk about the nature of wisdom, and spoiler alert— it’s a Person, not a thing.

John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.

The True Nature of Wisdom

In our modern world, we often equate wisdom with knowledge, education, and the ability to make good decisions. While these aspects are certainly part of it, Ecclesiastes teaches us that wisdom is far more than intellectual mastery or a collection of best practices. In fact, wisdom is not just a set of principles—it is a person. That person is Jesus Christ.

Throughout Ecclesiastes, the Preacher (likely King Solomon) wrestles with the big questions of life: What is our purpose? Where can we find joy? How should we handle money? The book explores the various paths people take—seeking pleasure, accumulation, and status—but ultimately concludes that all these pursuits are vanity, or "chasing after the wind."

The key takeaway? True wisdom is found in fearing God and keeping His commandments. But it's not merely about following rules—it’s about cultivating a relationship with God through Christ.

Ecclesiastes isn’t just a book about the limitations of human wisdom; it points us to the deeper truth that wisdom is found in a relationship with God. Near the end of Ecclesiastes, we read that "the words of the wise are like goads," and these words come from "one shepherd."

Interestingly, this shepherd's identity is made clear in the New Testament, where Jesus identifies Himself as the Good Shepherd in the Gospel of John. Not only does Jesus impart wisdom, but He is wisdom. In Colossians, we learn that Jesus is the one who orders and sustains all things—He embodies wisdom.

Paul writes in 1 Corinthians 1:30 that Jesus became "to us wisdom from God, righteousness, and sanctification." This concept shifts our understanding of wisdom from a set of teachings to a relationship with a person.

Ecclesiastes and the Limitations of Human Wisdom

Ecclesiastes acknowledges the limits of human wisdom. Even Solomon, renowned for his wisdom, struggled to make sense of life’s paradoxes. He sought knowledge, but it never gave him lasting meaning. In fact, knowledge alone cannot answer the deeper questions of life, such as suffering, uncertainty, or death.

True wisdom isn't found in education or achievement; it's received from outside ourselves. Proverbs 9:10 states, "The fear of the Lord is the beginning of wisdom," and in the knowledge of the Holy One, there is insight. True wisdom is about trusting in Christ, who alone leads us into all truth and understanding.

Walking in Wisdom with Christ

If wisdom is a person, the way to grow in wisdom is to walk closely with Jesus. John offers some practical ways to deepen our relationship with Christ and grow in wisdom:

1. Spend time in God’s Word: Not just for information but to encounter Christ and be transformed.
2. Pray and seek His guidance: God promises to give wisdom to those who ask for it.
3. Live in obedience: Wisdom isn't just knowing what is right; it's living it out.
4. Surround yourself with wise counsel: Engage with fellow believers who are also walking with Christ.
5. Trust God in times of uncertainty: Lean on Christ in suffering and hardship.
6. Develop a heart of gratitude: Recognize and enjoy the simple gifts God gives us each day.

These steps, though simple, shape our lives and our relationship with God. They allow us to grow in wisdom and understanding as we live in step with Christ.

The Connection Between Wisdom and Finances

One area where wisdom plays a critical role is in our financial lives. The way we handle money is closely tied to our spiritual journey, and the book of Ecclesiastes speaks directly to this. Money is often viewed in our culture as a means of fulfillment, but Ecclesiastes teaches us that wealth is a tool, not our source of meaning.

In Ecclesiastes 11, we are reminded of the importance of generosity: "Cast your bread upon the waters, for you will find it after many days." Giving reflects God’s nature and His wisdom, and it produces Kingdom fruit. Generosity is a key part of living for Him.

Ecclesiastes teaches us to appreciate the simple gifts God provides, while also reminding us that money and possessions are fleeting. As we apply the wisdom of Christ to our finances, we see the balance between frugality, generosity, and enjoying the blessings God has given us.

The Ultimate Wisdom: Jesus

At the heart of Ecclesiastes—and of all Scripture—is the call to fear God and keep His commandments. In the New Testament, we understand that this means following Jesus Christ, who is wisdom incarnate. Our pursuit of wisdom isn't about accumulating knowledge or living by a set of moral principles. It’s about knowing Jesus personally and living in relationship with Him.

If you're seeking wisdom, the answer is not found in more knowledge or better strategies—it’s found in Jesus Christ. As we follow Him, we grow in wisdom, and our understanding of life’s challenges—including money and possessions—becomes clearer. Wisdom is a person, and that person is Jesus.

For those interested in diving deeper into the book of Ecclesiastes, our new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, offers a comprehensive exploration of this biblical text and its profound teachings on money, work, and contentment. Visit FaithFi.com/shop to get your copy today or to place a bulk order.

On Today’s Program, Rob Answers Listener Questions:

• I have a son who has separated himself from our family. We haven't spoken in two and a half months. I want to know if there are any biblical references that would support changing my will to take my son out of it, given our current strained relationship.
• I made an insurance claim for a new roof, which was necessary. Now my insurance company has raised my rates, and my next payment is $163 higher than usual, which I can't afford this month. Do I have any recourse, and what should I do besides looking for another insurance company?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• True Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory Baumer
• Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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.

"Whatever you do, work heartily, as for the Lord and not for men." - Colossians 3:23

It’s easy to assume this verse applies mainly to our working years, urging us to give our best on the job. But notice—it doesn’t come with an expiration date. Today, Jeff Haanen joins us to explore a different kind of retirement.

Jeff Haanen is an entrepreneur and writer who builds companies and serves leaders committed to healing the world through their work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.

Rediscovering Purpose in Retirement

What if retirement wasn't the end of something, but the beginning of something far greater?

With 10,000 Baby Boomers retiring every day—and people living longer than ever before—a growing number of older adults are asking the question, “What am I called to now?”

Culturally, retirement has been framed as a “never-ending vacation.” From jingles like “Wake up and live in Sun City,” to today’s media, the message is clear: retire, relax, and indulge. But the reality is different. Many retirees feel adrift, watching screens and fixing things around the house, not flourishing.

A Biblical Alternative: Eldership, Not Escape

The Bible doesn't speak extensively on retirement, but it does offer a framework. In Numbers, older Levites transitioned their tabernacle responsibilities to the younger men. This isn’t “quitting”; it’s wise delegation and reorientation.

There’s a three-part vision in light of this:

1. Lay down past work identities.
2. Embrace a season of rest, reflection, and renewal.
3. Re-engage as elders—servants, mentors, leaders.

The cultural idea that “elderly” equals obsolete. In biblical tradition, “elder” is a position of nobility, wisdom, and honor—those who teach, guide, and bless at the city gates.

A Path Forward: Rest and Renewal

We encourage retirees to start with rest, not for rest’s sake, but to re-center and listen for God’s leading. Just as Leviticus 25 calls for rest in agricultural rhythms, so too should we practice rest in life’s transitions.

It’s recommended to initially take 3–12 months for rest and spiritual renewal before re-engaging. This time creates space to reflect, give thanks, and seek God’s direction.

Rather than merely saving to escape responsibility, we want to propose a new vision: communities of elders who lead, mentor, and give generously—of time, talent, wisdom, finances, and prayer. Retirement then becomes not a retreat from purpose, but a re-engagement with it.

As Psalm 92:12–14 reminds us:

“The righteous flourish like the palm tree…they still bear fruit in old age; they are ever full of sap and green.”

So what’s next?

Churches need to initiate conversations about the non-financial aspects of retirement, including mentoring, grandparenting, part-time work, volunteering, and more. Financial advisors can also play a key role, helping clients envision what they want their 60s, 70s, and 80s to look like, beyond the balance sheet.

It’s time we shifted the retirement conversation from numbers to calling.

Embrace an Uncommon Retirement

If you're ready to rethink retirement, pick up Jeff’s book, An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life. And if you want to read Jeff’s full article and explore more biblical wisdom on stewardship, be sure to subscribe to our quarterly magazine, Faithful Steward, by becoming a FaithFi Partner at $35 a month or $400 a year at FaithFi.com/Give.

Because retirement isn’t the end—it’s the start of a new mission. Let’s live it well.

On Today’s Program, Rob Answers Listener Questions:

• My husband and I own a trucking company, and we're downsizing. We sold one of our trucks and have approximately $80,000. I'm trying to figure out the best way to invest this money or whether it would be wiser to put it towards the debt on our other trucks.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• 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 (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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.

Larry Burkett often said that capitalism must be tempered by Christian love, compassion, and stewardship.

Proponents of capitalism and free markets don’t often express that concern, just as believers in social welfare rarely count the cost. Jim Jones joins us today to talk about a new way of looking at those ideas.

Jim Jones is a Chartered Financial Analyst® (CFA®) and Certified Kingdom Advisor® (CKA®). He is also the author of Utopia Reimagined: An Allegory of Capital and Conscience.

A Unique Approach to Biblical Economics

Unlike typical finance books, Utopia Reimagined is a novel—a work of fiction designed to explore serious biblical and economic themes through story.

Why fiction? Jesus often used storytelling to challenge people’s assumptions and invite deeper reflection. From the Good Samaritan to the Prodigal Son, stories have the power to stick with us in ways data and arguments often can't. As G.K. Chesterton once quipped, “Novels are more true than science textbooks. Life is sometimes like a science textbook, but life is always a story.”

The Journey of Alexander and Pauline

The novel follows two siblings—Alexander and Pauline—on a journey through contrasting societies, each representing different economic and political ideologies.

Alexander, a gifted but oppressed peasant in 18th-century France, escapes a feudal system to explore new societal models. His journey takes him through a magical cave into Santosa—a society with socialist tendencies—and eventually to New York City, the heart of free-market capitalism. Along the way, Alexander wrestles with the tension between opportunity, freedom, and justice.

Pauline’s journey is more focused on the moral and cultural fabric of each society. Her lens offers readers a parallel exploration of what’s right, just, and good—not only economically, but relationally and spiritually.

Through these characters, readers are invited to explore how faith shapes our perspectives on power, wealth, justice, and human dignity. Some characters see everything through the lens of faith, while others struggle to integrate it or reject it altogether.

The beauty of storytelling is that it doesn’t just show you what people believe, but why they believe it. That builds compassion and opens the door to real understanding.

What Does a Biblical Utopia Look Like?

In the final chapters of the novel, Alexander and Pauline discover a society that reflects the fullness of God’s Kingdom—a glimpse of the new heavens and the new earth. It’s a world where work, community, economics, and leadership are all governed by Christ’s nature: sacrificial love, justice, and peace.

But how do we pursue this kind of utopia now?

Real change begins not at a national or global level, but in our local Christian communities. Reflecting God's image means practicing agape love—self-sacrificing care for one another—in how we use our time, money, influence, and power. We do that in community, not alone.

Bringing the Vision to Life

More than just a novel, Utopia Reimagined is a tool for discipleship and transformation. It’s a call to rethink how we live, give, work, and govern in light of God’s design. 

Through this engaging allegory, Jim Jones invites believers to dream again—anchored in Scripture and empowered by the Spirit—to reflect the Kingdom of God on earth as it is in heaven. That’s why he has developed a discussion guide for churches, small groups, and communities who want to go deeper. It’s available at utopiareimagined.com, where readers can also purchase the book or join a virtual conversation with Jim himself.

And for a limited time, the Kindle edition is available for just $1.99.

On Today’s Program, Rob Answers Listener Questions:

• I'm a landlord with a duplex and want to sell it in a year. I haven't rented the top unit for a year after a bad tenant experience. What's the best way to proceed - rent it out again or sell, and how do I handle the tax implications of a potential 1031 exchange?
• I'm 65 and have a life insurance policy with $45,500 cash value. We no longer need the death benefit. Should I cash it out and invest the money or use it to pay down our $50,000 mortgage?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• Utopia Reimagined: An Allegory of Capital and Conscience by James G. Jones
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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.

Exchange-traded funds, or ETFs, are rapidly growing in popularity, and for good reason. 

ETFs offer investors an easy, cost-efficient way to diversify their portfolios. But what are they, and what advantages do they offer over other investments? Deirdre Gibson joins us today to talk about ETFs and why you should consider putting some in your portfolio.

Deirdre Gibson is a Senior National Sales Consultant and ETF Specialist for Praxis Investment Management, an underwriter of Faith & Finance. 

What Is an ETF—and How Does It Differ from a Mutual Fund?

Think of an ETF as a basket of investments—stocks, bonds, or even commodities—that trades on an exchange like a stock. Unlike mutual funds, which process trades at the end of the day, ETFs allow you to buy and sell shares throughout the day. This provides investors with more flexibility, especially during volatile market conditions.

ETFs are also more tax-efficient than mutual funds. Mutual fund transactions often trigger taxable events for all shareholders, whereas ETFs, due to their structure, generally limit capital gains taxes.

Like mutual funds, ETFs offer built-in diversification by holding a variety of assets. This helps reduce risk—if one stock in the fund dips, others can offset the loss. It’s also advised to avoid trading ETFs during the first and last 10 minutes of the market day, when prices are more volatile and spreads are wider.

While some ETFs are straightforward, others are complex. For example, oil futures ETFs don’t always track the price of oil as expected, making them riskier for everyday investors. Thankfully, ETF issuers are required to disclose all holdings and strategies on their websites, empowering investors to make informed decisions.

Faith-Based Investing with Praxis

Historically, faith-based investing has centered around mutual funds. But that’s changing. Praxis recently launched two ETFs designed with Christian values at their core:

• PRXG: Praxis Impact Large Cap Growth ETF
• PRXV: Praxis Impact Large Cap Value ETF

These funds reflect biblical principles by screening out companies involved in harmful practices and engaging with others to encourage positive change. One powerful example? Praxis helped Hershey and other chocolate companies address child slavery in their supply chains—an impact made possible through years of collaborative engagement.

For 2025, Praxis is focusing on technological transformation, particularly in the areas of artificial intelligence and quantum computing. It’s vital to have Christians at the table asking not just what is possible, but what kind of future we want to create.

If you're interested in faith-based investing and work with a financial advisor, we encourage you to start a conversation with them. Your advisor wants to help you achieve your goals, and your values are an integral part of that. More advisors today are equipped to offer faith-based investments that don’t compromise on financial performance.

Learn More

You can explore Praxis’s biblically responsible investment solutions, including their new ETFs, by visiting praxisinvests.com.

Faithful investing is more accessible than ever. With tools like ETFs and firms like Praxis leading the way, it’s possible to steward God’s resources with wisdom, impact, and integrity.

On Today’s Program, Rob Answers Listener Questions:

• Should I prioritize charity donations and extra mortgage payments or build up my emergency savings first?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• Praxis Investment Management
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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.

“The Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25

We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope.

Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.

When Life Doesn’t Go According to Plan

Whether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair.

In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us.

When our expectations are shattered, our reactions often fall into two extremes:

• Resignation: We lower our expectations to avoid disappointment, but in doing so, we risk losing hope altogether.
• Control: We force outcomes, striving and manipulating circumstances to regain a sense of stability.

Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind.

Psalm 27:14 says, “Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!” Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, “The work God wants to do in us while we wait is as important as what we are waiting for.”

Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way.

Practical Steps for Seasons of Waiting

Drawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting:

1. Acknowledge God is at work – Even if you can’t see it. Habakkuk 1:5 reminds us, “I am doing a work in your days that you would not believe if told.”
    
2. Change your perspective – Ask God to help you see things from His perspective. Sometimes, hope is just a matter of viewpoint.
    
3. Worship in the waiting – Worship reorients our hearts. It reminds us who God is and keeps us anchored in His character rather than our circumstances.

For those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand.

And that’s not just a consolation—it’s a promise.

On Today’s Program, Rob Answers Listener Questions:

• Does giving to animal charities count as tithing, or is tithing explicitly meant for giving to help people?
• I heard that disability and SSI are going to increase their monthly payments. Is this true?
• I recently sold a house and didn't give the whole tithe I intended. My financial advisor suggested waiting until a CD matures in July to avoid taxes. Should I wait to give the tithe, or give it now?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• Christian Community Credit Union (CCCU)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• 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.

The Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it’s not because money is the most important topic. Rather, it’s because money is one of the most accurate indicators of what’s going on in our hearts.

If you explore this subject, you’ll find stats like “1 out of every 7 verses in which Jesus speaks involves money,” or “11 of His 39 parables are about money.” While I’m not sure if those stats are accurate, it is true that Jesus mentions money a lot. However, His teaching is rarely about money itself. It’s always about something bigger, looming in the background.

Money isn’t just a resource; it’s a reflection. It reveals our priorities, fears, hopes, and values. Whether we live paycheck to paycheck or have significant wealth, we all wrestle with what money means to us. That’s why Jesus said in Matthew 6:21, “For where your treasure is, there your heart will be also.”

From personal stress to relationship breakdowns, money often acts like a magnifying glass. It brings underlying values to the surface. For example, in marriage, financial tension is often less about dollar amounts and more about differences in values, such as security versus spontaneity, generosity versus comfort, and planning versus pleasure.

Every Financial Decision Is a Spiritual One

Even small spending decisions carry spiritual weight. That morning latte? Those new shoes? They may seem trivial, but they reflect priorities. Matthew 6:24 reminds us that “no one can serve two masters…you cannot serve God and money.”

This doesn’t mean we can’t enjoy God’s provision. In fact, Ecclesiastes 3:12–13 says, “There is nothing better…than to be joyful and to do good…also that everyone should eat and drink and take pleasure in all his toil—this is God’s gift.” However, that enjoyment must be balanced with the bigger picture: Are our financial decisions aligned with God’s heart?

In marriages and relationships, conflicting values around money are common, and they’re not necessarily wrong. One spouse may dream of traveling to create family memories, while the other may want to boost their retirement savings. Both can honor God. The key is discovering common ground and inviting God into the conversation.

Howard Dayton, the previous host of this program, used to say, “It’s hard to quarrel when you’re praying together.” Prayer aligns our hearts before we try to align our plans. Through honest conversations and mutual respect, differences can become opportunities for growth rather than division.

If money disagreements persist, don’t hesitate to bring in wise, biblical counsel. A financial advisor—especially a Certified Kingdom Advisor®—can help couples or individuals uncover shared goals and develop a plan that honors God and promotes unity.

The Bottom Line: God Wants Your Heart

Whether you’re facing a tough decision or navigating financial tension in your home, remember: it’s not ultimately about the money. God is after your heart. And when your heart is surrendered to Him, your financial decisions will reflect that trust.

So whatever you’re facing today, don’t walk through it alone. Pray. Talk. Seek wisdom. And above all, treasure Christ above all else. When He has your heart, everything else—including your finances—will follow.

On Today’s Program, Rob Answers Listener Questions:

• I have a credit card with a $9,300 balance and would like to know how to pay it off quickly while minimizing high-interest charges.
• I have an annuity and IRAs with Edward Jones that I'm unhappy with due to low performance and high fees. I'm considering moving my investments to Schwab or another financial institution and want advice on how to manage my approximately $500,000 in investable assets.
• I currently have two certificates of deposit and would like to know if I should liquidate them and open an IRA instead.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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.

Summer’s not that far off, and the kids are already thinking “vacation.” Will you be ready for it?

How can you make great family memories without breaking the budget? That’s always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation.

Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. 

How to Take a Great Family Vacation Without Breaking the Bank

Planning a family vacation is one of life’s great joys—and, if you’re not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret.

1. Start with a Plan—and Start Early

Plan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like Google Flights to find the best travel deals.

Google Flights lets you enter your preferred dates and search anywhere for the lowest fares. It’s a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it’s staying near the beach, and you're willing to save by eating in.

2. Look for Free Activities

You’d be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories.

3. Get the Whole Family Involved

Vacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they’re not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip.

This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun.

4. Be Strategic About Meals

Eating out can quickly blow your vacation budget. Instead, be intentional. That’s why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home.

Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It’s way cheaper than dining out every meal.

Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost.

5. Set a Daily Spending Limit

One final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun?

This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort.

Remember that the best vacation is the one you come home from without credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable.

Want more money-saving tips from Crystal? Visit MoneySavingMom.com.

On Today’s Program, Rob Answers Listener Questions:

• I just set up a new bank account, and they recommended using a debit card to pay bills. But I've always used my credit card and think it's more secure. What's your advice on using a debit versus a credit card for monthly bills?
• I have a 401(k) and want to invest more deeply in stocks. I know the stock market is dropping, but I remember when it fell much more. I'm confident about our economy and in God. I'd like to invest about 30% in stocks, but I'm wondering if I'm getting in too soon, or should I wait for the market to go lower?
• I have a question about annuities. We talked to someone about an annuity that's locked into some kind of care, like long-term care insurance. We're in our early 60s, and I'm wondering if it's too late and if this is a good idea.
• I have a money market account into which my wife's paycheck goes, and we pay our mortgage. Is this a safe place for our emergency fund, or is there a better option?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• MoneySavingMom.com
• Google Flights
• Bankrate.com
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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) or Certified Christian Financial Counselor (CertCFC)
• 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’s the difference between a bank and a credit union? More than you might think.

At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why.

Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. 

A Different Kind of Financial Institution

Credit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent.

However, Christian Community Credit Union (CCCU) goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom.

At Christian Community Credit Union (CCCU), they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments.

Surprising Strength in Rates and Services

Many people assume credit unions can’t compete with traditional banks regarding rates, but that’s a misconception. Because credit unions don’t exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees.

Here’s a snapshot of Christian Community Credit Union’s (CCCU) current offerings:

• Harvest High-Yield Checking: 4% APY on balances up to $5,000 with no maintenance fees
• Harvest High-Yield Savings: 5% APY on the first $5,000
• Welcome CD: 4.5%–4.75% APY on 5- and 10-month terms
• Cash Back Credit Card: 1.5% cash back and a donation to Christian causes with every swipe

CCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support.

Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like FaithFi and Compass Financial Ministry to help our members grow in their financial discipleship.

It’s not just about managing money well—it’s about managing money faithfully.

Funding Ministry and Fueling the Gospel

One of the most inspiring aspects of CCCU is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need.

From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily.

Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide.

Becoming a Member is Easy

So, how can you join?

Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member.

With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory.

To learn more or become a member, visit joinchristiancommunity.com.

On Today’s Program, Rob Answers Listener Questions:

• I have a 401(k) at a place where I used to work about 15 years ago, at the University of North Chicago. It's about $15,000, and I have not been at that job for over 15 years. I want to know if it's a good idea to move it. Should I combine it with my current 401(k), or should I just leave it there?
• I have a stock in my portfolio that is losing between 40 and 47%. It has an F rating and is a large part of my portfolio. I want to sell it, but I want to know what to do with it after I sell it. I have it in Schwab, and I'm wondering if there's a better fund I could put it in since I have a lot sitting there.
• I'm contributing to an employer 457(b) plan. Those funds are going into a Roth plan, and I am contributing the maximum amount. I'm married and over 50. I'd like to know if I can also open a personal Roth IRA and a traditional Roth IRA.
• I would like to sell a piece of land, but I want to sell it to a developer, maybe someone who would be developing a spa, a hotel, or something similar. I want to know where I can go to access or look for developers who would be interested in purchasing my land.
• My husband and I didn't file taxes from 2016 to 2022, and sadly, he passed away recently. There are IRS notices with increased penalties and interest. Do I have to list the fact that there is a withholding on the IRS notices, even though I didn't have any income, and it was all his income?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• Christian Community Credit Union (CCCU)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• 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.

Did you know there’s a way to tap into your home’s equity for tax-free cash—without having to make monthly payments? It’s true.

It’s called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today’s reverse mortgage isn’t what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.

Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. 

What’s Changed? A Safer, Regulated Option

When you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past.

Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan’s term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA).

No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn’t change, and homeowners are protected.

These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling.

Are Reverse Mortgage Interest Rates Too High?

It’s a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn’t apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated.

Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren’t sacrificing much, if anything, in interest when compared to forward mortgages.

What About Costs and Obligations?

The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance.

This insurance offers three essential guarantees:

1. You can remain in your home as long as you want (up to age 150!).
2. Thanks to non-recourse debt protections, you will never owe more than the home’s value.
3. Your heirs won’t be left with a bill.

Yes, this insurance adds about 2% of the home’s value to the upfront costs, but it’s well worth it—just like homeowner’s insurance is worth it if your house burns down.

What Happens When the Borrower Passes Away?

A major concern many have is what happens to the home after the homeowner dies or permanently moves out.

The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000.

Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning.

Flexible Payout Options

One of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways:

• A lump sum
• A line of credit
• Monthly income payments
• Or even a combination of these options

The big idea? Your home is not just a place to live—it’s also a financial asset that can be used strategically, especially in retirement.

Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home.

Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage.

On Today’s Program, Rob Answers Listener Questions:

• My husband has taken a new job, and we have been contributing to an HSA. He wants to contribute $1,000 a month to the HSA. We still own a home and are nearing retirement age. Should we work on paying off the home or continue to put dollars into the HSA?
• A week or two ago, I caught part of your program about freezing credit scores. I didn't catch the whole explanation. We've never really taken out loans except for our first house 45 years ago. Is there any downside to freezing my credit?
• I recently received a large amount of money from a dear loved one who passed away in January. I know I'm going to tithe and pay taxes on the amount. I have an appointment with my bank to set up a CD account, but I want to know what other types of investments I can make with the money. I just want to make sure I'm doing the right thing.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine
• Movement Mortgage
• Bankrate.com
• Christian Community Credit Union (CCCU)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• 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.