Three words that can make any parent’s wallet flinch: “Back to school.” But there’s a silver lining—especially if your state has a tax-free weekend.

For families gearing up for a new school year, those tax holidays can make a real difference. Today, Crystal Paine shares smart, practical ways to get prepared and save money along the way.

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. 

Does Your State Participate?

Not every state offers a tax-free weekend, and the rules vary widely from state to state. Crystal recommends checking your state’s Department of Revenue or the Federation of Tax Administrators for up-to-date information.

Understand what qualifies, as in some states, clothing must be under $100, and online purchases often count—if ordered and paid for within the specified window. Even if you’re not shopping for back-to-school items, this can still be a good time to purchase other qualifying necessities.

Don’t treat the tax-free weekend like a shopping spree. Instead, we suggest that you:

• Make a list of what your family actually needs.
• Set a budget—especially if your kids are old enough to be involved (around age 8–10).
• Know the limits so you don’t go over a price cap and lose the exemption.
• Stack your savings by searching for coupons or shopping through cashback sites like RetailMeNot.

Simply search for the site name and ‘coupon code’ before making a purchase.

What About Online Shopping?

A common misconception to keep in mind is that if you order and pay during the holiday window, and the item qualifies, it’s usually tax-exempt, even if it ships later. Please ensure it ships to an in-state address.

One important caveat to remember is that Amazon may not always participate, and shipping costs may be included in item price caps in some states. Therefore, read the fine print and always check your confirmation receipt to ensure that tax wasn’t accidentally charged.

Stewardship Over Savings

The ultimate goal isn’t just saving money—it’s honoring God. Sometimes we think we’re saving when we’re really just spending less wastefully. But that’s still spending. Ask yourself: Am I buying this because it’s a wise investment, or is it just because it’s on sale?

Make prayerful purchases—asking God for wisdom, guidance, and even provision when looking for specific items. God is faithful to lead us when we invite Him into our financial decisions.

Good stewardship is about more than just saving money. It’s about aligning our spending with God’s purposes. To learn more and find additional resources, visit MoneySavingMom.com.

On Today’s Program, Rob Answers Listener Questions:

• I’m 63 and still plan to work for a couple more years. My employer has just started offering a Roth 403(b), and I’m wondering—if I'm at my age, does it make sense to contribute?
• I’m 46 and considering selling my townhome, but I’m unsure if now is the right time. If I do sell, what’s the best way to invest the equity?
• I took out a home improvement loan in my name to help a friend. Could I qualify for debt forgiveness on that loan?
• I recently started investing in goldbacks and noticed more states are adopting them. What are your thoughts, and do you think it’s a good time to invest in them?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal Paine
• MoneySavingMom.com
• 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) 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 if your investments could do more than grow your wealth? What if they could also fight injustice, uplift your neighbor, and even bring joy to the world? 

Joy probably isn’t the first word that comes to mind when you think about investing, but maybe it should be. Robin John joins us today to share how investing can be more than financial—it can be deeply spiritual.

Robin John is the CEO at Eventide Asset Management, LLC. Views expressed in this podcast are intended for information purposes and do not constitute investment advice. Eventide does not provide tax, accounting, or legal advice. Eventide's values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. There is no guarantee that any investment will achieve its objectives, generate positive returns, or avoid losses.

A Life-Changing Encounter in India

Robin was just 23 years old when his employer sent him to Pune, India, to support an outsourcing initiative. Although born in India, he had moved to the U.S. at the age of eight and was returning for the first time as a young professional.

While staying in a guesthouse, he noticed two young men—Amal and Kamal—who took care of him daily, preparing meals and ironing his clothes. One evening, Robin asked where they slept and was shocked to learn they were sleeping on the hard floor of a hot, cramped pantry.

“I had a beautiful air-conditioned room with extra space,” Robin recalled. “But they had no bed, no pillow, no blanket. And I looked just like them.”

When he raised his concerns, he was told the guesthouse workers were not his company’s responsibility. That response, though typical in business, left Robin deeply unsettled. It pushed him into prayer, fasting, and a season of searching. He began to ask: “Is business just about profit? Or could it be something more?”

From Disillusionment to a Renewed Mind

Through time in Romans 12—“Do not conform to the pattern of this world, but be transformed by the renewing of your mind”—Robin experienced a major shift in perspective. He began to see that work, business, and investing could all be expressions of love for neighbor and tools for redemptive impact.

That shift eventually led him, alongside his friend Dr. Finny Kuruvilla, to launch Eventide Asset Management—an investment firm with a bold mission: to invest in companies that make the world rejoice.

What Makes a Company Worth Investing In?

Eventide’s approach centers on one key question: Is this company doing good?

They look for companies whose products are truly good and whose practices serve others well—employees, customers, supply chains, communities, even the environment. Investing is a form of ownership, and when we invest, we are rooting for that company’s success.

But Eventide doesn’t just embrace the good—it also avoids the harmful. In the book, Robin likens harmful companies to dragons that lurk outside the village in ancient stories, threatening human flourishing.

Companies profiting from gambling, addiction, or exploitation—like sports betting platforms—may look appealing on a spreadsheet, but Robin challenges us to consider their deeper impact. As Christian investors, we must ask: What are we promoting in the world? Are we fighting the dragons, or feeding them?

Cultivating Goodness, Like a Garden

From the very beginning in Genesis 1, we see that we are called to cultivate, to build, to bring about flourishing. Business and investing can be part of that calling.

From companies developing cancer treatments to those honoring their truck drivers by ensuring they can sleep at home with their families, these are the stories of modern cultivation, and they’re the kinds of businesses Eventide champions.

A Framework for Faith-Driven Investing

Eventide’s “Business 360” framework reflects biblical values and centers on love for neighbor. It seeks to:

• Avoid companies that cause harm.
• Embrace companies that promote human flourishing.
• Engage with companies to encourage positive change.

Investors can explore two free tools at GoodInvestor.com:

1. Portfolio Screening Tool – See how your current investments align with biblical values.
2. Advisor Connection Tool – Get connected with a financial advisor who practices faith-aligned investing.

Your Investments Can Honor God

Robin’s hope for every reader of his new book, The Good Investor, is that they will walk away inspired, believing their investments can change the world and honor God in the process.

You can purchase The Good Investor wherever books are sold. And if you’re ready to explore how your wealth can serve the Lord and bless others, visit GoodInvestor.com to begin your journey.

On Today’s Program, Rob Answers Listener Questions:

• You’ve mentioned a specific company when talking about reverse mortgages on past shows. I recall you saying that it’s the one you usually recommend. Can you remind me of the name?
• My wife and I are both chiropractors, but she’s feeling called to stay home with our kids. We’re still working through student loan debt and also hoping to buy a home here in Florida. I’m feeling torn about how to make the budget work.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• GoodInvestor.com
• The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. John
• Eventide Asset Management
• Movement Mortgage
• 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) 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.

“A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.” - Proverbs 28:20

Powerball jackpots and scratch-off tickets might seem like a shortcut to financial freedom, but should Christians be buying in? Dr. David W. Jones returns to our financial ethics series today to help us think biblically about the lottery and whether it aligns with a life of faithful stewardship.

Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.

Quick Wealth vs. Steady Stewardship

Proverbs 13:11 warns, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Hebrews 13:5 exhorts believers to “keep your life free from the love of money and be content with what you have.” These passages highlight the value of work, patience, and contentment—virtues that stand in direct contrast to the quick-fix allure of lottery winnings.

The lottery promises flourishing without labor, but God’s design in Genesis 1 calls us to be co-creators with Him—to work, to produce, and to flourish through effort. Skipping that process isn’t just unwise—it violates God’s design for human flourishing.

Is playing the lottery merely harmless entertainment? We should pay close attention to what our financial decisions reveal: Jesus taught, ‘Where your treasure is, there your heart will be also’ (Matt. 6:21). If someone regularly spends money on lottery tickets, it could point to deeper issues—discontentment, greed, or misplaced hope.

Scripture reminds us in Proverbs 23:7, “As a man thinks in his heart, so is he.” Our actions—including how we spend—are often the most honest indicators of our spiritual condition.

Entertainment or Exploitation?

While scratching a ticket at a birthday party may seem harmless, there’s a big difference between a one-time event and a habitual lifestyle of gambling. And even if the act is permissible, that doesn’t make it wise (1 Cor. 10:23).

We must also consider the industry behind the lottery. It preys upon the poor. Statistics show that the lowest-income Americans buy more than half of all lottery tickets, with some spending up to 6% of their income. In many ways, it functions like a regressive tax, taking from those who can least afford it.

Some believers wonder whether it's ethical to accept scholarships or grants funded by state lotteries. Of course, there’s room for Christian liberty here. Some will choose to opt-out due to conscience. Others will recognize we live in a fallen world and may receive such benefits without directly participating in the system. Either way, we should be aware of what we're engaging with and remain open before the Lord.

A Better Way to Flourish

If you're feeling convicted, confess it to the Lord. ‘If we confess our sins, He is faithful and just to forgive us’ (1 John 1:9). And as with any area of struggle, don’t walk alone. Seek accountability and encouragement through your local church.

Ultimately, the Christian life invites us to a different kind of richness—one rooted not in luck or chance but in trust and obedience. As Ecclesiastes 3:13 says, “Everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”

For more biblical insight on wealth and stewardship, pick up Dr. David W. Jones’s book Every Good Thing: An Introduction to the Material World and the Common Good for Christians, available wherever books are sold.

On Today’s Program, Rob Answers Listener Questions:

• Around this time last year, I had several credit cards with balances ranging from $5,000 to $6,000 each. I stopped paying on the top three and am still making payments on one. I’m not sure what steps to take next.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. Jones
• 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) 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.

In C.S. Lewis’s The Lion, the Witch and the Wardrobe, Aslan tells Lucy, “Things never happen the same way twice.” 

It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. Sharon Epps joins us today with sage advice about preparing for life’s transitions.

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.

Lessons from Narnia

C.S. Lewis’s Chronicles of Narnia holds a surprising amount of wisdom for real life. In one poignant scene, Aslan comforts Lucy Pevensie about the changes she and her siblings are facing. “Things never happen the same way twice,” Aslan tells her. Change is constant, and each new season requires fresh wisdom. Even when we’re no longer in school, the rhythms of August to May still shape our lives and planning.

When Life Goes Into Transition, Money Goes Into Motion

Financial author Mitch Anthony says it best: “Money goes into motion when life goes into transition.” Whether you’re sending a child off to college, caring for aging parents, or planning a move, each change brings financial decisions with it. Here are five strategies to help us steward these moments well:

1. Pray for Wisdom

Every new season needs fresh wisdom. You can learn the hard way through pain or the better way through prayer. Proverbs 3:6 reminds us: “In all your ways acknowledge Him, and He will make your paths straight.”

2. Seek Godly Counsel

Learn from those who’ve been there. If you’re sending your first child to college, ask parents of graduates what they’d do differently. Their experience can save you time, money, and stress.

3. Plan the Financial Details of the Transition

With college, for example, have you clarified who will cover living expenses? Will your child work part-time? Will you offer a monthly stipend? Define expectations now to avoid confusion later.

4. Prepare for the Unexpected

Things rarely go according to plan. What if your child runs out of money mid-semester? Do you have an emergency fund? Thinking through these “what ifs” now builds resilience.

5. Communicate Ahead of Time

Good communication brings clarity and accountability. Whether you’re dealing with a child, a spouse, or a realtor, the earlier you clarify financial expectations, the smoother the transition will be.

These five practices are simple but powerful. They’ll help you stay grounded through every kind of life change. And remember, God doesn’t just care about what we go through—He cares about how we go through it. Let’s walk into our next season with prayerful wisdom, godly counsel, and faithful stewardship.

On Today’s Program, Rob Answers Listener Questions:

• I’m new to investing and want to understand the basics of the stock market, as well as how to avoid scams.
• I’m considering buying precious metals to pass on to my children and grandchildren. What’s the best way for them to sell or redeem them in the future?
• If I give to animal charities, does that count as tithing? Or is tithing meant specifically to support ministries focused on people?

Resources Mentioned:

• Faithful Steward: FaithFi’s New 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) 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 wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” — Proverbs 14:8

Today, we’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Rachel Petty, as we take a closer look at the Green temperament and how it influences our approach to money.

Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.

Rachel Petty is a valued member of Kathleen Edelman’s team and is our Green Temperament representative for this episode. 

What Are the Four Temperaments?

The concept of temperaments dates back to Hippocrates, whom Galen followed in naming the four temperaments. Each temperament is a wiring we’re born with—more like eye color than personality—and it shapes how we communicate, relate, and even handle money. The four types are:

• Yellow (Sanguine): Extrovert, people-oriented; speaks the language of people and fun.
• Red (Choleric): Extrovert, task-oriented; speaks the language of power and control.
• Blue (Melancholic): Introvert, task-oriented; speaks the language of perfection and order.
• Green (Phlegmatic): Introvert, people-oriented; speaks the language of calm and harmony.

Temperament is your innate wiring. Personality develops through life experiences, but temperament remains relatively consistent.

Meet the Green: Introverted and People-Oriented

Greens are known as “relationship glue”—calm in chaos, steady in presence, and always people-conscious. They’re inward processors, but also deeply relational.

They are drawn to budgeting with others and long-term planning. They don’t like flashy risks or micromanaging. They prefer round numbers and fewer check-ins.

Because Greens crave harmony, they might avoid financial conflict or decisions altogether. But with gentle encouragement and time, they become wise and thoughtful stewards.

Strategies That Help

Rachel offers practical tools for those who fall under the Green category or know somebody who does:

• Stay involved. Greens can sometimes disengage easily. It’s a discipline to speak up.
• Name what matters. Clarifying what’s most important—whether for a trip or a purchase—helps prioritize.
• Set deadlines. It gives them the gentle nudge that action is needed.

Greens thrive when respected and heard. Their insights are valuable—they just need time and space to process them fully.

However, don’t pressure a Green. Invite them in gently and clearly. They want to contribute—they just need the right environment.

The Innate Needs of a Green

According to Kathleen, Greens have four core needs:

1. Harmony – a peaceful environment.
2. Lack of Stress – minimal conflict.
3. Feeling of Worth – appreciation for who they are.
4. Respect – being asked for their input.

When these needs are met, Greens are kind, steady, and confident. When ignored, they may retreat or procrastinate.

For those in the Green category, take the time to understand what matters to you and lean into your steady nature. And for those in a relationship with a Green—give them time, space, and encouragement. There’s more going on than you might see.

And remember this: if you are a Green, your calm is a gift. Advocate for yourself—peace sometimes requires courage. Your voice matters.

Want More?

If you've found this information valuable, make sure you don’t miss Kathleen’s latest article on temperaments, featured in the newest issue of Faithful Steward magazine. This quarterly publication is a special resource we send to our FaithFi partners—those who support the ministry at a monthly rate of $35 (or more) or an annual rate of at least $400. 

To become a partner and receive your copy, along with other exclusive benefits, just visit FaithFi.com/Give.

On Today’s Program, Rob Answers Listener Questions:

• My husband and I are both in our second marriage, and we have a blended family. His children are grown and financially independent, while mine are still in college. We have different perspectives on how to manage the assets we each brought into the marriage, and we’re unsure how to align our financial approach moving forward. What would you suggest?
• Is it true that any interest earned from a high-yield savings account must be reported to the federal government for tax purposes?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen Edelman
• 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) 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.

Getting fit takes willpower. Earning a degree takes determination. Reaching your career goals takes hard work. In short, success takes commitment.

And the same is true when it comes to your finances. Today, we’ll explore what changes when you commit to managing money God’s way.

You’ve heard the saying, “Things worth doing are worth doing well.” And when it comes to your finances, there are certainly some things worth doing—like saving for the future, creating a spending plan, paying down debt, giving generously, and living with honesty and integrity.

If you want to see real results in any area of life, it’s going to take effort—sometimes a lot of it. And that’s true for your financial life, too. Following biblical financial principles takes determination, planning, patience, and even sacrifice. So, why is it worth the effort?

Because while commitment requires something of us, it also gives something to us. When we live with faith and integrity in our finances, we experience peace, contentment, and even joy. It’s not just about doing the right thing—it’s about being transformed more and more into who God wants us to be.

Joining God in His Work

When you honor Him with your finances, you join in His work, bringing mercy and blessing to others. And as you experience His provision personally, your faith deepens, and your story becomes a testimony to encourage others.

The Bible is filled with examples of faithful commitment. Hebrews chapter 11 is sometimes called the “Hall of Faith” because it highlights men and women who trusted God, even when they couldn’t see the outcome. Abraham, Moses, Rahab—they placed their hope in God’s promises before Christ ever came.

But the ultimate example of commitment is Jesus Himself. Hebrews 12:2 says:

“For the joy set before him, he endured the cross, scorning its shame, and sat down at the right hand of the throne of God.”

A Savior who gave everything to redeem us is more than worthy of our full devotion in return.

Faith lies at the heart of such a commitment, especially when it comes to finances. Hebrews 11:1 defines faith as:

“Confidence in what we hope for and assurance about what we do not see.”

That means trusting God’s promises, even when circumstances feel uncertain.

Who’s Really in Charge?

So, committing to manage money God’s way starts with faith, but it also requires surrender. That means asking: who’s really in charge—me, or the Lord?

In Matthew 6:24, Jesus says:

“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”

That’s a heavy reminder for all of us. We can’t be fully committed to both God and money. One will always take priority, and when it’s not the Lord, we will feel that tension.

Here are a few honest questions to consider:

• Do financial worries consume your thoughts?
• Do you find yourself chasing more and more money, more stuff, more status?
• Is your sense of security tied to your job or investments?

If you answered yes to any of those, you’re not alone. Many of us wrestle with divided hearts. It’s easy to lean on what we can see, especially when life feels uncertain. But money, career, or comfort can never offer the lasting peace only God provides.

Choosing to follow God’s financial principles takes daily trust and perseverance. Galatians 6:9 offers this encouragement:

“Let us not grow weary of doing good, for in due season we will reap, if we do not give up.”

Another gift of commitment is the encouragement we receive from God’s people. You weren’t meant to follow Jesus—or manage your finances—on your own.

Colossians 3:12–15 paints a powerful picture of Christian community:

“As God’s chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience… Let the peace of Christ rule in your hearts, since as members of one body you were called to peace.”

If you’ve ever felt like giving up on your budget or putting off your giving goals, you’re not alone—we all face struggles. But if everything were easy, we’d never grow stronger.

Walking With You

That’s why we’re here at FaithFi—to walk alongside you. Whether you’re just starting out or have walked this path for a long time, we want to offer help rooted in grace, wisdom, and truth.

Most of all, we want you to experience the joy of following Jesus with every part of your life, including your finances. Because true freedom doesn’t come from having more—it comes from trusting the One who gave everything for you.

On Today’s Program, Rob Answers Listener Questions:

• I turned 65 in March and am now eligible for Medicare; however, I remain employed and have employer-sponsored health insurance that includes an HSA, which I continue to contribute to. I’ve received conflicting information—can I delay Medicare enrollment and still have both my employer and I contribute to my HSA?
• I’m a 73-year-old widow and have been retired since 2017. When I retired, I rolled my 401(k) into an IRA, and that money is currently sitting in a Fidelity money market account. I also have an emergency fund with about $50,000. Given my situation, what would you recommend I do?
• I’m a recent immigrant to the U.S. and travel frequently to visit family abroad, which has led to long employment gaps. Even though I have an excellent credit score, I’m having trouble getting approved for housing because landlords and lenders want to see consistent income. Is there a way to circumvent this challenge?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Movement Mortgage
• 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) 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.

“He who has ears, let him hear.” – Matthew 13:9

Those were Jesus’ closing words after telling the Parable of the Sower—a story that invites us to listen carefully, not just with our ears, but with our hearts. Today, we’ll look at this story and what it reveals about the heart behind our finances, especially the warning about “the deceitfulness of riches”.

The Parable of the Sower and the State of Our Hearts

The Parable of the Sower appears in Matthew 13, Mark 4, and Luke 8. It begins with a farmer scattering seed, which falls on four types of soil. Jesus later explains that the seed is the Word of God, and the soils represent different heart conditions. Some hearts are hard, others shallow. Some are fertile and ready. But one soil in particular draws our attention today: the seed that fell among thorns.

In Matthew 13:22, Jesus says,

“As for what was sown among thorns, this is the one who hears the word, but the cares of the world and the deceitfulness of riches choke the word, and it proves unfruitful.”

Understanding the Thorns: Worry and Wealth

Let’s break that down.

First, Jesus points to "the cares of the world"—the daily anxieties and distractions that can crowd out our trust in God. Then, He adds “the deceitfulness of riches.” It’s not wealth itself that’s the issue. It’s the lie wealth tells: that more money will bring more peace, that possessions equal security, and that success means significance.

The Bible consistently warns us about that lie:

• Proverbs 11:28 — “Whoever trusts in his riches will fall, but the righteous will flourish like a green leaf.”
   
• 1 Timothy 6:17 — “Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God.”

Wealth deceives us by offering the illusion of control and independence. It tempts us to believe we’re self-sufficient. And when we buy that lie, we slowly stop depending on God. Like thorns in a garden, worldly cares and the lure of wealth take root in our hearts, slowly crowding out our affection for God. The space once reserved for trust and obedience becomes overrun with distraction and self-reliance.

As C.S. Lewis put it:

“Prosperity knits a man to the world. He feels that he is 'finding his place in it,' while really it is finding its place in him.”

Time for a Heart Check

You might be saving diligently, investing wisely, and even giving regularly. But if you’re trusting in your portfolio more than God’s promises—or if your finances have become a source of anxiety—then it may be time to do a heart check. What kind of soil are you cultivating?

When unexpected expenses hit, what comes first—prayer or panic? When you think about the future, is your hope grounded in your retirement account or in the One who holds all things together?

Jesus said the seed among thorns becomes “unfruitful.” The Word doesn’t lose its power, but when wealth and worry take over our hearts, we stop responding to it. Outwardly, we may look faithful, but inwardly, our love for Him is being choked out. 

So, how do we respond?

Jesus points to the solution just a few verses later. In Matthew 13:23, He says:

“The good soil is the one who hears the word and understands it; he indeed bears fruit and yields.”

Receiving God’s Word deeply isn’t a one-time event—it’s a lifelong process of cultivating the soil of our hearts. It means creating space where God’s truth can take root, thrive, and grow, without being overtaken by competing desires.

Three Practices to Cultivate “Good Soil”

1. Prioritize Your Giving—Start with generosity, not as an afterthought, but as an act of worship. Giving reminds us that money is not our master and that we trust God to provide for us.
    
2. Check Your Emotional Temperature—If your peace rises and falls with your financial circumstances, that’s a signal to lean into God’s Word more than your wallet.
    
3. Rethink Your Financial Goals—Ask Yourself: What Am I Building? And why? Is your financial plan aligned with Kingdom purposes, or is it just chasing comfort or status?

As Dallas Willard said, “The main thing God gets out of your life is the person you become.” 

That includes how you handle money. Generosity, peace, and contentment are fruits of a life rooted in Christ, not one choked out by wealth.

What Are You Trusting In?

Remember that the condition of your heart matters more than the condition of your accounts. If you want to be fruitful in your finances and faithful in your walk with God, start by asking: What am I trusting in?

Let the answer lead you back to Christ, because only in Him will your life bear lasting fruit.

On Today’s Program, Rob Answers Listener Questions:

• I own a two-flat apartment building valued at around $650,000. We’ve received an offer and are considering buying another building listed at $640,000 in a different area. Since I’ve never sold a property before, I’d like to understand the full costs involved in selling my current one and purchasing a new one.
• I recently learned that one of the index funds I invest in holds companies involved in things I don’t ethically support. As someone trying to invest according to my values, is it wrong to stay in that fund?
• I have an IRA that’s set up as an annuity, but I’m not sure what the advantages are. Is there a real benefit to holding an annuity within an IRA, or would I be better off moving it into a different type of investment?
• I’ve had a sealed monster box of Silver Eagle coins for a while now. Should I hold onto it, or would it be smarter to sell them and reinvest the money elsewhere?

Resources Mentioned:

• Faithful Steward: FaithFi’s New 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) 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.

“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” - Proverbs 19:17

As Christians, we’re called to be generous, but what does that look like when someone asks for money on the street? Should we give? Is there a better way to help? Today, Dr. David W. Jones joins us to explore the ethics of giving to homeless people and how to show compassion without causing harm.

Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.

A Biblical Call to Care for the Poor

Scripture is clear about God’s concern for the poor and His expectation that we share that concern. Jesus said, “Give to the one who begs from you, and do not refuse the one who would borrow from you” (Matthew 5:42). The apostle John echoed this, writing, “If anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him?” (1 John 3:17).

We should want to help those in need. The real question isn’t whether we help, but how.

Before we give, we should examine our hearts, because our initial reaction may often be judgmental, as we may assume that the person is lazy or addicted. But Dr. Jones calls this being “middle class in spirit”. Christ doesn’t call us to be “middle class in spirit”—He calls us to be “poor in spirit” (Matthew 5:3).

This shift in mindset is essential. Even if someone is unworthy of help, that’s the very reason we should want to help them. What if God waited until we deserved His grace?

Is It Wrong to Give Cash?

That leads to the practical question: Should we give cash to someone on the street? While the act of providing cash isn't inherently wrong, it could enable harmful behavior.

Instead, it may be more beneficial to prepare in advance by carrying granola bars or other non-perishable food items. Offer something that meets a need without enabling sin. If you have the time, offer to buy them a meal instead.

This kind of planned generosity helps believers act as good stewards, offering love without ignoring potential consequences.

But what if the person uses the money responsibly? Should we just leave that up to God?

There’s a balance because we can’t know everything about someone’s situation in a brief moment, but we are still called to be wise and loving. That means doing what we can with what we know, and entrusting the rest to the Lord.

When a Handout Becomes a Relationship

Sometimes, opportunities arise to do more than just meet an immediate need. Perhaps that involves building long-term relationships with individuals experiencing poverty or homelessness. These acts of sustained compassion often lead to deep transformation when we take the time to build a relationship with those who are struggling. 

This is an example of a development-based model of helping the poor, which contrasts with an aid-based model (like giving money or food on the spot). If a natural disaster causes poverty, aid is appropriate. However, if it’s due to systemic injustice or poor choices, long-term involvement—such as discipleship, mentoring, and support—may be necessary.

Overwhelmed by Need? Start With What’s Near

A common question is: Where do I even begin? The need is everywhere.

The law of moral proximity encourages that we are most responsible for those closest to us. You may not be able to fix world hunger, but you can help someone in your neighborhood, church, or community.

Big problems require big solutions, but God calls us to care for what’s in front of us first.

Our goal isn’t just charity—it’s Christlike love, expressed with wisdom. When we begin by checking our hearts, planning for wise giving, and staying open to deeper relationships, we reflect God’s grace in practical ways.

On Today’s Program, Rob Answers Listener Questions:

• I was affected by the Windfall Elimination Provision, but recently received a lump sum check related to that. They also increased my monthly benefit by $700, though taxes are being withheld. What should I know about how the lump sum will be treated?
• I’m 47 and just starting my career after being a stay-at-home mom. My new job offers a 403(b) and will match up to 3%, but only after I’ve been there a year. Should I start contributing now, or wait until the matching begins?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. Jones
• 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) 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 does it mean to design a family legacy with intention? And how do you make sure that legacy is rooted in faith? 

Today, we’re talking about the legacy you’ll leave behind—and how to shape it while you still can. Jan Thompson joins us to share how you and your family can ensure your faith is reflected in what you leave behind.

Jan Thompson is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and the co-founder of One Degree Advisors with over 30 years of experience in financial planning, where she specializes in purposeful financial planning, investment management, and multi-generational legacy coaching. 

Legacy Is More Than Money

When people hear the word “legacy,” most think of money or assets passed down after death. But that’s only one part. Here are five interconnected aspects of legacy:

1. Financial Legacy – Assets and resources passed on to the next generation.
2. Personal Legacy – Your character, life choices, and how you’ll be remembered.
3. Family Legacy – The stories, traditions, and values shared through generations.
4. Business or Ministry Legacy – The mission, culture, and influence of your work.
5. Kingdom Legacy – The eternal impact of your life through faith, generosity, and gospel-centered living.

When families neglect the non-financial elements, their wealth is often left without context, and that’s when legacies tend to fail. The legacy failure rate is alarmingly high when these pieces are missing.

Wisdom Before Wealth

The largest wealth transfer in history is currently underway, but statistics indicate that wealth rarely lasts beyond three generations. Why? Here are three reasons:

1. Lack of trust and communication.
2. Unprepared heirs.
3. Absence of shared values or a clear family vision.

Wealth is a valuable tool, but without wisdom and unity, it often leads to division. Psalm 78:5–7 provides a beautiful framework for legacy planning across generations:

“He established a testimony in Jacob… that they should teach them to their children, that the next generation might know them… so that they should set their hope in God…”

These verses highlight three keys to a lasting legacy: remember God’s works, share your stories, and live in obedience. Whether through blessings or mistakes, we encourage families to reflect on the ways God has been present in their journey and to discuss it openly.

Practical Tools and Resources

To help families start this process, you can join a weekly email list at SomewhereOnPurpose.com that will provide you with simple actions to take toward building a meaningful legacy.

Remember, legacy doesn’t build itself—intentional steps must be taken. And while many families delay because they don’t know where to start or feel too busy, procrastination is the “silent killer” of strong legacies.

Start today. Expose your family to serving others. Take a mission trip. Engage in a local service project. Let them see the joy of generosity firsthand.

Become a FaithFi Partner

Right now, more people than ever are looking for biblical wisdom to navigate their finances. When you become a FaithFi Partner, you help equip believers to trust God and steward His resources for Kingdom purposes.

As a Partner, you'll receive:

• Early access to new resources
• A print subscription to our Faithful Steward magazine
• The Pro version of the FaithFi app

Join with your gift of $35/month or $400/year at FaithFi.com/Partner.

Together, we can help more families leave a legacy that reflects their faith, not just their finances.

On Today’s Program, Rob Answers Listener Questions:

• My aunt was a generous giver throughout her life, but she now has dementia and is in full-time care, which is becoming increasingly expensive. As her guardian, what’s the responsible way to honor her lifelong heart for generosity while also making sure her care needs are fully met?
• A good Christian friend of mine is buried in debt. I’ve tried to encourage him to experience the freedom of living debt-free, but I’m running out of ways to motivate him. Any advice?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard Dayton
• SomewhereOnPurpose.com
• One Degree Advisors
• 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) 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 purposes of a person’s heart are deep waters, but one who has insight draws them out.” - Proverbs 20:5

Today, we’re kicking off a new series on temperaments, how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman and Traci Shepherd join us to explore the Red temperament and how it influences our financial decisions.

Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.

Traci Shepherd is our Red Temperament representative for this episode. 

What Are the Four Temperaments?

For those who are new to the concept of the four temperaments, here is a helpful summary:

• Yellow (Sanguine): Speaks the language of people and fun – an extroverted, people-oriented personality.
• Red (Choleric): Speaks the language of power and control – an extroverted, task-oriented personality.
• Blue (Melancholic): Speaks the language of perfection and order – an introverted, task-oriented personality.
• Green (Phlegmatic): Speaks the language of calm and harmony – an introverted, people-oriented personality.

Each temperament influences how we speak, listen, behave, and manage our finances.

The Red Temperament: Driven and Decisive

Reds are typically goal-oriented, confident, and solution-focused. They don’t just talk about getting things done; they make it happen. In relationships, this drive often leads them to step in and take over when others hesitate. But that same strength can become a weakness if it turns into controlling behavior rather than collaborative leadership.

The Red temperament often feels the need to fix things. This framework helps them see the strength behind that impulse and offers tools to balance their drive with empathy.

Red Temperament and Money: It's All About the Plan

Reds tend to view money as a means to accomplish their goals. They prefer clarity, efficiency, and structure. But they may clash with other temperaments—for instance, a Yellow, who values fun, spontaneity, and experiences.

Rather than labeling other spending styles as wrong, having this awareness can enable more honest conversations, especially in relational tensions within areas like finances. 

Strength with Compassion: Communication Tips for Reds

Reds bring immense value to financial decision-making. Their clarity of vision and drive for results help families and teams move forward. Reds are bullet-point, bottom-line thinkers, but that doesn’t mean they’ve ignored the details. They’re often 10 steps ahead.

To foster healthier communication, Kathleen encourages Reds to:

• Pause before responding
• Ask questions with curiosity (“What do you think?” or “How do you feel about this?”)
• Listen to understand, not just to reply

These simple shifts can transform conflict into connection.

The Emotional Needs of a Red

Reds have core emotional needs that must be honored, especially in financial conversations:

1. Loyalty—Knowing others have their back.
2. Sense of Control—Either having control or trusting someone else is in control.
3. Appreciation—Being valued for their strengths.
4. Credit for Work—Recognition for their contributions.

When these needs go unmet, Reds can respond with frustration or harshness. However, when those needs are met, they become dynamic and inspiring leaders.

What to Remember if You or Someone You Love is a Red

Remember that your wiring is a gift. But don’t rush ahead. Bring others with you. It’s not about controlling; it’s about being prepared and feeling safe.

And for those in a relationship with a Red? Remember, they’re not trying to be harsh. They just want to know the plan.

Want More?

Reds are uniquely wired to be visionaries. When they lead with both confidence and compassion, transformation happens in conversations, relationships, and financial decisions.

As we continue this series on temperaments and money, we’ll explore how each personality type contributes to God-honoring stewardship. When every voice is heard, and every strength is valued, we grow not just in wisdom but in unity.

Read Kathleen’s full article on how the four temperaments shape our financial decisions in the latest edition of Faithful Steward. Receive your copy each quarter by becoming a monthly partner at $35 a month or $400 a year at FaithFi.com/give.

On Today’s Program, Rob Answers Listener Questions:

• My husband and I sold our primary home last year and are now looking to invest in multifamily real estate. I also run my business out of another property we own, which still has a $180,000 mortgage with a 3.75% interest rate. We're considering doubling our monthly payments to pay it off early. Would that be a wise financial move?
• My 68-year-old friend has a whole life insurance policy with a cash surrender value of $36,000. How can that money be accessed, and what happens to the policy if it’s surrendered or discontinued?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen Edelman
• 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) 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.