“One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want.” —Proverbs 11:24

Scripture calls us to be both wise savers and generous givers—but holding those two together can feel like a tension. How do we avoid fear on one side and foolishness on the other? Dr. Shane Enete joins us today to show how these two principles actually go hand in hand.

Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.

John Wesley famously wrote, “Earn all you can, save all you can, give all you can.” It sounds simple enough, but when you sit down with a budget, the statement can feel more like a paradox than a plan. After all, how can you both save as much as you can and give as much as you can? At some point, choices must be made.

Rather than resolving the paradox with rigid rules, we encourage believers to embrace the complexity as part of the Christian life.

In the absence of clarity, many of us make rules. One common example is the “80/10/10 rule”—give 10%, save 10%, and live on the remaining 80%. While this framework may be helpful, we must also be cautious that this can risk reducing Christian stewardship to legalism.

The Christian life is a paradox. Christ Himself is a paradox—fully God and fully man. When we encounter a paradox, we shouldn’t flatten it into a rule. Instead, we’re invited into a relationship with God and to walk with Him in the tension.

So how do we approach the paradox of saving and giving without rigid formulas? We should think of stewardship more as an art rather than a science. Just as Jesus used metaphors—such as sheep, seeds, trees, and vines—to describe the mysteries of the Kingdom, we too can use metaphors to navigate the complexity of money.

Art allows us to co-create with God, and it moves us from rule-keeping to relationship, from legalism to a life that draws us closer to Him and to one another.

One compelling metaphor is water. Water is life-giving when it flows, but when it stagnates, it becomes toxic. In the same way, money is meant to flow—received from God and passed on to bless others.

Of course, saving is still essential—as it’s like a reservoir that ensures water can flow steadily—but the point is not the reservoir itself. It’s the flow that revitalizes both the giver and those who receive.

The call to “save all you can, give all you can” is not a puzzle to be solved but a paradox to be lived. By resisting the urge to reduce it to rigid formulas and instead embracing stewardship as a creative act with God, we discover a more life-giving way to approach money. The flow is what matters. That’s what brings life.

You can read Dr. Enete’s full article—and gain access to other exclusive resources—by becoming a FaithFi Partner. With your support of $35 a month or $400 a year, you’ll not only receive Faithful Steward but also enjoy other special benefits designed to encourage and equip you on your stewardship journey. 

Join us today at FaithFi.com/Partner.

• My wife and I are buying our first home, and we’re a single-income family. Should I include her on the mortgage, or keep her off so she wouldn’t be financially responsible if something were to happen to me?
• I was born in 1959, so my full retirement age for Social Security is 66 and 10 months. I plan to continue working and earn around $60,000 per year, and my Social Security benefit will be approximately $38,000 per year. Can I work and collect my full benefit, or do I need to worry about an earnings limit?
• You’ve mentioned online investing options, such as robo-advisors, for individuals looking to invest less than $20,000. What is the name of that service?
• I want to start an account for my great-grandchildren—ages three, 18 months, and one week—to put money aside for them. I’ve considered a universal life insurance policy (UIL), but I’d appreciate your advice on the best approach.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• SavingForCollege.com
• Schwab Intelligent Portfolios®
• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

It’s easy to believe that having more money would fix everything—that if we just had enough, life would finally feel secure, peaceful, and even meaningful.

From lotteries to luxury ads, our world constantly tells us that more wealth is the goal. But Scripture invites us to ask a better question: not how much money do I have?—but why do I want it in the first place?

Money itself isn’t the problem. Scripture never condemns wealth. But it does warn us about the heart behind it. The late Larry Burkett, a mentor to many in biblical finance, once said there are seven reasons people pursue wealth—and six of them can lead us astray. Why? Because when money becomes our focus, it often takes the place of God.

Before we talk about how to use it, we need to ask: What’s driving us to accumulate it?

Some pursue wealth simply because everyone else is. Whether from family pressure or cultural expectations, they chase money without asking if it’s what God wants.

Romans 12:2 reminds us: “Do not conform to the pattern of this world, but be transformed by the renewing of your mind.” God calls us to live in alignment with His Kingdom—not the world’s standards.

Others look at their neighbor’s lifestyle and crave the same.

Ecclesiastes 4:4 says: “All toil and all achievement spring from one person’s envy of another. This too is meaningless, a chasing after the wind.”

Envy leaves us restless—always reaching, never resting.

For some, wealth is a scoreboard. It’s not about having enough—it’s about having more than others.

But when competition drives us, life becomes a race, and people become obstacles. Philippians 2:3 offers a better way: “Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.”

Kingdom living doesn’t play to win—it plays to serve.

Many tie wealth to identity. They want to be seen as successful, admired, and important. Even their giving can become a form of self-promotion.

Paul redirects us in 1 Timothy 6:17: “Command those who are rich in this present world not to be arrogant nor to put their hope in wealth … but to put their hope in God, who richly provides us with everything for our enjoyment.”

Wealth isn’t a trophy—it’s a tool.

Some simply love money. They obsess over their accounts and fear losing it.

1 Timothy 6:10 warns: “The love of money is a root of all kinds of evil.” This isn’t about having money—it’s about being ruled by it.

Others pursue wealth out of fear. Wealth can create the illusion of safety.

Proverbs 18:11 says: “The wealth of the rich is their fortified city; they imagine it a wall too high to scale.”

But that security is imagined. Real peace doesn’t come from what we’ve saved, but from the One who holds us.

So, what’s the one God-honoring reason to build wealth? To give it away.

Generosity flows from a heart that sees money not as a possession to protect, but as a tool to serve. Jesus summarized this in Matthew 22:37–39: “Love the Lord your God … and love your neighbor as yourself.”

Dr. Justo González notes in Teach Us to Pray that when we ask for “our daily bread” in the Lord’s Prayer, it’s a communal request. If we have more than we need today, it’s not accidental—it’s providential. What’s in your hands may be God’s answer to someone else’s prayer.

St. Augustine put it this way: “Find out how much God has given you and from it take what you need; the remainder is needed by others.”

The early church modeled this in Acts 4:34: “There was not a needy person among them.”

Building wealth isn’t about hoarding or raising our net worth. It’s about aligning resources with God’s purposes and becoming participants in His provision for others.

When financial goals are rooted in love for God and neighbor, wealth becomes a ministry—not a measure of success.

Let God reshape your reason for building wealth, and discover the joy of using what He’s given you to bless others and glorify Him.

• I’d like to understand what a real estate investment trust (REIT) is and how it works, especially in relation to my retirement savings. Do REITs tend to lose value over time?
• I’m thinking about selling my house and moving into a 55-plus community. Would it make sense to use the equity from my home to pay off my mortgage and credit card debt, thereby simplifying my finances?
• I’m trying to set up a trust and would like to know what to expect in terms of pricing. Is there a standard fee, or are there other factors I should be considering?
• My husband recently passed away and left me a significant amount of money. Since he handled all our finances, I’m unsure whether I should invest in annuities or spread the money across various investments. What would you recommend?
• I received a letter from the IRS about a retirement account in another state that I’d completely forgotten about. I’ve tried contacting my former employer, but can’t locate the account. Should I be concerned, or will the IRS resolve this issue?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D. 
• National Registry of Unclaimed Retirement Benefits
• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

When it comes to our finances, we often wonder: Where does God’s provision end and our responsibility begin? Should we simply wait and trust Him—or get to work and provide for ourselves?

The truth is, it’s not either-or. God calls us to both trust Him and participate in His provision. Not because He needs our help, but because He delights in working through us.

You’ve likely heard the phrase, “Let go and let God.” While it sounds spiritual, it can sometimes lead to passivity. On the other end of the spectrum, some of us live as if everything depends on us—hustling, stressing, and striving in our own strength.

Scripture offers a better way: a life of faith that doesn’t ignore work, and a life of work that doesn’t ignore faith. God invites us into a partnership—trusting His sovereignty while faithfully engaging in our responsibilities.

Paul writes in 2 Timothy 2:6, “It is the hard-working farmer who ought to have the first share of the crops.” The farmer can’t make the rain fall or the seeds grow, yet he tills, plants, and harvests. He works diligently while depending entirely on God for the increase.

In the same way, we can’t control the economy or prevent every financial emergency—but we can make wise choices. By living below our means, avoiding debt, and giving generously, we acknowledge God as our Provider while faithfully stewarding what He entrusts to us.

Psalm 104:14 reminds us, “You cause the grass to grow for the livestock and plants for man to cultivate.” God causes the growth, yet invites us to cultivate it. His provision is not a one-sided transaction—it’s a relationship.

We see this throughout Scripture. When Jesus fed the 5,000, He didn’t create food out of thin air. Instead, He multiplied a boy’s simple lunch. God chooses to involve us, not because He lacks resources, but because He delights in using us to bless others.

God’s Word makes it clear that provision and work go hand in hand.

• Ephesians 4:28 urges, “Let the thief no longer steal, but rather let him labor… so that he may have something to share with anyone in need.”
• 1 Thessalonians 4:11–12 calls us to “work with your hands… so that you may walk properly before outsiders and be dependent on no one.”

Laziness is never encouraged, but neither is frantic self-reliance. Instead, Scripture calls us to wise diligence rooted in God’s faithfulness.

Stewardship means recognizing that everything belongs to God. We are not owners but managers, entrusted with His resources to reflect His character.

And His provision is never just for us. Paul writes in 2 Corinthians 9:10–11, “He who supplies seed to the sower… will supply and multiply your seed for sowing… You will be enriched in every way to be generous in every way.”

God enriches us so that generosity might overflow through us—producing thanksgiving to Him.

So how do we balance trust in God’s provision with active participation?

• Pray before you plan—inviting God into your financial goals.
• Work with diligence, not fear—resting in His faithfulness, not your performance.
• Give generously—not because God needs your money, but because He invites you to reflect His heart.
• Rest confidently—knowing God is at work even when you sleep.

At the end of the day, God delights in using ordinary people with ordinary means to display His extraordinary grace. He is the Provider, and we have the privilege of being His participants.

Provision, then, is not just about a paycheck—it’s about a partnership. Let’s stop asking whether it’s “all up to us” or “all up to God” and embrace the beautiful in-between: trusting Him, working faithfully, and joining Him in the joy of provision.

• My wife and I inherited a house from a family member in another state. We’d like to keep it available for friends, family, or church members to use, rather than renting it out. What do you think about that approach?
• My wife and I are in our early 80s. Years ago, we used our Roth IRAs to pay off our home, allowing us to live debt-free in retirement. We use our IRA for charitable giving, but with the rising cost of living, I’m wondering if a reverse mortgage could be a smart tool. What’s your advice?
• If I already have a living will, will my assets still need to go through the probate process?
• I’ve had a long-term care policy since 2018 with $400,000 in coverage, but I was told there’s a six-month waiting period before it pays out. That seems long to me. Should I consider canceling the policy?

• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if the greatest gift you leave your children isn’t your money, but your wisdom?

As stewards, we often focus on managing God’s resources well during our lifetime—but what happens after we’re gone? How do we equip the next generation to carry on a legacy of faithful stewardship? Today, Sharon Epps joins us to talk about that.

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.

At FaithFi, we frequently emphasize the importance of being faithful stewards of what God has entrusted to us. But there’s a deeper question to consider: What about the next steward?

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children’s children.” While an inheritance can be a blessing, without preparation, it can also lead to conflict. That’s why we need to think carefully not just about passing on wealth, but also about passing on wisdom.

One of the earliest ways to prepare the next steward is to recognize and nurture a child’s God-given giftedness. God created us to work, and part of stewardship is discovering how He’s uniquely wired us.

Each child’s journey is unique, and our role as parents is to walk alongside them, offer opportunities, and pray that God will reveal their strengths.

Every parent knows how painful it is to watch their children make poor choices—especially when it comes to money. But it’s so vital that we allow our kids to experience the natural consequences of their decisions.

Wisdom grows when kids practice responsibility with real resources. That’s why it’s a good goal to aim for our children to manage a full spending plan before leaving home, whether that’s for college or to move out on their own. 

Starting with a simple envelope system—give, save, and spend—you can gradually add more categories as the kids grow. By the time they become young adults, they will have managed nearly all of their expenses except housing and insurance. This hands-on approach will ensure that by the time they launch into independence, they will not be starting from scratch.

If you feel behind in teaching your kids about stewardship, give yourself grace. None of us does this perfectly.

Start with small steps—a dinner conversation about your own money journey, or letting your child help plan a family purchase. What matters is being intentional and inviting the Lord to guide the process.

Preparing the next steward is not a one-time event—it’s a journey. Begin with prayer, asking God for wisdom, and do not hesitate to seek help from trusted friends, mentors, or financial professionals.

And remember: more is caught than taught. Our children are learning as much from how we live as from what we say. By modeling faithful stewardship in our own lives, we give them the greatest inheritance of all: a life that reflects God’s wisdom and trust in His provision.

If you’re looking for support in preparing your children to be wise stewards, consider working with a Certified Kingdom Advisor (CKA)—someone who shares your values and can guide you on the journey. Visit FaithFi.com and click “Find a Professional” to get started.

• I left an employer five years ago and still have a pension with them. I also have an IRA. My wife and I are deciding whether to roll the pension into an IRA to earn more, or cash it out to pay off debt, such as our vehicles and student loans.
• I’m turning 62 soon, and my wife and I are both still working. We’re debt-free except for our mortgage. Should I start taking Social Security benefits now to invest or pay down the mortgage, or is it wiser to wait?
• I have a single-family home with approximately $125,000 remaining on the mortgage and sufficient savings to pay it off, which would still leave me with $15,000 in the bank. Should I pay off the mortgage now, or keep the money in savings?

• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Feeling the post-summer financial fog? You’re not alone—but now’s the perfect time to reset.

Summer is a season of rest, family, and fun—but it can also knock our financial habits off course. That’s why fall is an ideal time to pause, reflect, and get back on track. Let’s explore six small but meaningful steps that can help realign your finances with your goals—and your faith.

Summer often brings looser schedules and, sometimes, looser spending. That’s okay—we need time to rest. But if your finances feel off-center, it may be time for a reset.

Before moving forward, look back. Did your summer spending reflect your values or just your impulses? Whether it was vacations, eating out, or spontaneous purchases, reviewing where your money went brings clarity. Think of it as an act of stewardship—learning from the past so you can plan better for the future.

Seasons change—and so do financial rhythms. Back-to-school costs, higher grocery bills, or other expenses may have shifted your cash flow. Revisit your budget to ensure it reflects your priorities: generosity, saving, and wise spending.

A helpful tool: The FaithFi app makes budgeting a daily reminder that every dollar belongs to God. It helps you plan and track your finances in alignment with your faith.

Life gets busy, and bills sometimes slip through the cracks. Go back and confirm you haven’t missed any payments. Even one late bill can hurt your credit. Also, review your autopay accounts to ensure everything is running smoothly. A little attention here prevents bigger headaches later.

Generosity sometimes takes a backseat in busy seasons. If that happened this summer, take time to prayerfully revisit your giving. Ask yourself: Has God blessed me in a way that calls for deeper generosity? Whether to your church, a ministry, or a neighbor in need, giving is more than duty—it’s an expression of trust in God as your ultimate provider.

We all have one thing on our financial to-do list that gets pushed aside—reviewing insurance, starting a will, or scheduling a meeting with an advisor. Stewardship often looks like taking the next step, even if it’s small or unglamorous.

Fall is a season of preparation. Anticipate upcoming costs, such as school expenses, open enrollment, holiday shopping, or tax planning. Mark dates and set reminders now so you won’t be scrambling later. Wise stewardship is proactive, not reactive.

Don’t feel pressure to fix everything in one day. Growth—financial and spiritual—comes through steady, faithful diligence. Proverbs 4:26 reminds us: “Give careful thought to the paths for your feet and be steadfast in all your ways.”

Wherever you’re starting from—catching up, starting over, or just resetting—God meets you there. He isn’t after perfection; He’s after your heart, and He promises to walk with you every step of the way.

At FaithFi, we’re committed to equipping Christians to integrate faith and financial decisions for the glory of God. If you believe in this mission, we’d love to invite you to become a monthly partner.

A gift of $35 or more per month (or $400 per year) helps us continue this vital work. As a thank-you, you’ll receive exclusive benefits, including our quarterly Faithful Steward magazine, Pro Access to the FaithFi app, and early access to our devotionals and studies.

Learn more or become a partner today at FaithFi.com/Partner.

• Is life insurance really necessary? I’ve been paying about $100 a month for a few years, and I’m wondering if the benefit justifies the cost.
• My husband and I are dual citizens of the U.S. and Canada. We’ve farmed for 40 years without any retirement accounts or formal plans. We’re debt-free, but we’re unsure where to start with retirement planning, especially since our income and pensions come from both countries. Is there a kingdom-minded advisor familiar with agriculture and cross-border planning, or should we begin elsewhere?

• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Gratitude is a natural response to God’s goodness—but does it show up in the way we give?

Many pastors wish their congregation knew that giving isn’t just about meeting a church budget—it’s a vital part of growing as a disciple of Jesus. Today, Leo Sabo joins us to unpack three things your pastor wishes you knew about giving.

Leo Sabo is the President of the Christian Stewardship Network (CSN). He has spent the last 22 years working with couples, individuals, and church leaders, helping them understand and manage their finances according to biblical principles.

Effective conversations between church members and leadership aren’t just about meeting financial goals. Because God owns everything and we are His stewards, money decisions are both practical and deeply spiritual. How we handle what God has entrusted to us reveals our hearts and our motives.

Pastors understand the connection between generosity and discipleship. Trusting God with our money is a significant part of our spiritual journey—and once we embrace that, giving becomes a joyful act of worship.

Stewardship is holistic, involving our time, talents, and treasures. A love-inspired steward sees everything—not just what we give—as belonging to God. Pastors want you to know that giving isn’t a “membership fee” to the church. It’s an offering to God, through the church, out of gratitude and worship.

Stewardship means responsibly managing the resources God has entrusted to us, including money. Many churches offer classes and programs to help members budget, save, avoid debt, and invest wisely—all grounded in biblical principles.

Jesus spoke often about money and possessions because He knew our relationship with them reveals the condition of our hearts. Faithful stewardship naturally leads to generosity, reinforcing the spiritual benefits of giving.

In an era when people are increasingly concerned about financial transparency, pastors want to ensure that members understand that the responsible use of donations is a priority. Church leaders have both a responsibility and an opportunity to demonstrate accountability.

When you give, you’re funding ministry—teaching, worship, community support, and the staff who make it all possible. Every act of generosity fuels the church’s mission to serve both its members and the surrounding community.

If you’d like to learn more about starting or strengthening a stewardship ministry in your church, visit ChristianStewardshipNetwork.com.

• My 22-year-old son is graduating from college and starting his first job next year. What retirement planning advice should I give him—especially when it comes to private investments outside of his workplace retirement plan?
• I’m concerned that the housing market may be headed for a downturn similar to 2008. Here in Indiana, I see many new houses being built that most people can’t afford, along with more foreclosures and repossessions. Why isn’t anyone sounding the alarm? Am I overreacting, or do you see the same risks?
• I’m 61 with $300,000 in a Thrift Savings Plan (TSP) and about a year from retirement. Should I adjust my investments, move my money, or make any other changes as I approach retirement?
• My wife and I want to relocate from Florida to Colorado, where we already own a piece of land. We currently have two Florida homes with mortgages and have invested $80,000 in a Christian women’s network. We’d like to speed up our move and build our Colorado home, but I’m unsure how to align our finances to make it happen. What’s the best way forward?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Christian Stewardship Network (CSN)
• The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryer with Mark Biller
• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“And he gathered up all the food of these seven years which occurred in the land of Egypt and put the food in the cities. He put in every city the food from the fields around it.” - Genesis 41:48

Joseph’s story isn’t just dramatic—it’s a powerful example of godly wisdom in uncertain times. His preparation during years of abundance helped an entire nation weather a famine. Today, Mark Biller joins us to explore what Joseph’s legacy teaches us about planning ahead.

Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. 

Joseph’s story in the book of Genesis is one of the most dramatic and inspiring accounts in all of Scripture. From his rise and fall—from favored son to slave, from prisoner to ruler of Egypt—Joseph’s journey demonstrates God’s providence at every turn. His famous words to his brothers in Genesis 50:20 capture the theme: “You intended to harm me, but God intended it for good.”

But Joseph’s story is also a powerful lesson in financial stewardship. His foresight during years of abundance prepared Egypt—and surrounding nations—to survive years of famine. This biblical principle remains as relevant today as it was thousands of years ago.

In Genesis 41, Joseph interprets Pharaoh’s dreams, warning that seven years of abundance will be followed by seven years of famine. Pharaoh puts Joseph in charge of preparations, and Joseph sets aside 20% of the harvest during the good years. This disciplined stewardship meant survival when crisis hit.

Back in 2006, I wrote an editorial drawing on this lesson, warning that the “years of plenty” could give way to economic trouble. Just two years later, the 2008–2009 Global Financial Crisis proved the point. Many of the underlying issues from that period—such as excessive debt and systemic risk—remain unresolved to this day.

While I don’t have the same sense of foreboding I felt in 2006, there are signs of stress in the global financial system:

1. Runaway Debt – U.S. debt has risen from $10 trillion in 2008 to over $36 trillion today.
2. Bigger Banks – Post-crisis reforms led to further consolidation, making the largest banks even larger.
3. Central Bank Intervention – Years of near-zero interest rates and quantitative easing have encouraged dependence on stimulus.
4. Political Division – Our political climate makes tackling systemic issues even more challenging.

We can’t control national or global problems, but we can prepare at a personal level. If you are in a “year of plenty,” now is the time to:

• Pay down debt and reduce obligations.
• Build an emergency fund to weather personal or economic downturns.
• Diversify investments, including assets that hold value in inflationary times—such as gold, real estate, commodities, or even small allocations to Bitcoin.
• Live below your means so you can give generously when needs arise.

Preparedness isn’t just about protecting yourself—it’s about positioning yourself to help others. Crises, whether national or personal, can open hearts to the gospel. If our finances are in order, we can respond like Joseph—meeting physical needs and sharing the spiritual hope found in Christ.

If you’re in a season of famine right now, don’t lose heart. Trust God as your ultimate provider, take small steps forward, and connect with your church or community for support. Seasons change, and preparation now can mean you’ll be ready when the next opportunity to serve—or survive—comes.

For more on this topic, read the full editorial Years of Plenty, Years of Famine Revisited at SoundMindInvesting.org.

• I’ve owned a timeshare for years, but I think it’s a bad investment. The maintenance fees are high, and I believe there are better vacation options. It will cost $2,000 to get out of it, but my wife likes it. How can I bring this up without hurting her feelings?
• In the Old Testament, tithing was clearly defined, but in the New Testament, Paul says giving should be something you decide in your heart. Some people tell me they give as they feel led—sometimes more, sometimes less. What are your thoughts on that approach to giving?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Years of Plenty, Years of Famine Revisited by Mark Biller (Sound Mind Investing Article)
• Sound Mind Investing (SMI)
• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

When you think about making a Kingdom impact, your checking or savings account probably isn’t the first thing that comes to mind. But what if it should be?

Most of us view our bank account as a simple holding place for our money—a safe spot until we’re ready to spend, give, or invest. However, the truth is that your money is never truly at rest. Banks utilize those deposits daily to fund loans, support business ventures, and invest in various projects. That’s standard practice. But here’s the exciting part: you can actually choose a banking institution that uses your money to support Kingdom work.

Let’s unpack how your everyday banking decisions could be part of something far bigger than you imagined.

When you bank with a faith-based financial institution—one that’s intentionally aligned with biblical stewardship—you allow your money to participate in Kingdom work, even when you’re not actively spending or giving. Your checking account. Your savings. Even your emergency fund. All of it can be part of something bigger.

Imagine this:

• A pastor receives a home loan.
• A new Christian school opens in an underserved community.
• A clean water project is funded overseas.

And all of it is quietly supported by everyday people like you, simply choosing to bank where their values are reflected.

That’s the vision behind Christian Community Credit Union (CCCU)—a trusted partner of Faith & Finance. CCCU offers all the modern banking tools you’d expect: online access, mobile apps, competitive rates, and more. But their mission is different. It’s rooted in biblical stewardship.

When you open an account with CCCU, your deposits don’t just sit—they serve. Since its founding, CCCU has helped fund:

• Church construction and renovations
• Ministry and mission expansions
• Affordable housing and clean water projects
• Loans for pastors, missionaries, and Christian organizations

And they’ve donated more than $6.5 million to Kingdom causes around the world.

You might be thinking, “That’s great—but I don’t have a lot in savings. Would it really make a difference?”

Absolutely. In God’s Kingdom, impact isn’t measured by dollar amounts—it’s measured by faithfulness.

Remember the boy in John 6 who brought five loaves and two fish? It seemed small. But in the hands of Jesus, it fed more than 5,000. The same principle applies here: when you offer what you have—however modest—it becomes part of something miraculous. Banking with CCCU is a way to say, “Lord, use even this for your glory.”

At Faith & Finance, we frequently discuss how we earn, give, and spend. But there’s a space in between—where your money simply rests. And even that space matters.

Because while your money is sitting, it’s still doing something. The question is: what is it doing? Is it funding what you believe in—or what you don’t? Aligning your bank account with your faith is a practical, quiet form of stewardship. It doesn’t require financial expertise—just a desire to honor God in every area of your life.

If you’re looking for a simple yet meaningful way to bring your money into greater alignment with your faith, Christian Community Credit Union (CCCU) is a great place to start.

They offer:

• Full-service banking
• Competitive products
• A clear commitment to biblical values
• Real-world impact for the gospel

To learn more or open an account, visit: FaithFi.com/Banking. Your everyday banking can be more than routine. It can be redemptive.

• I’m retiring next year and want to know if I can still contribute to a Roth IRA, what income limits apply, and what taxes I’ll owe when I start making withdrawals.
• I have significant credit card debt and want to know if debt relief programs align with biblical principles. Is there a way to get help paying off my debt without being unethical?
• I’m on disability and keep tapping my emergency fund for unexpected expenses. How can I actually build savings when something seems to come up every month?
• I have $4,000 in a Discover Bank savings account earning 3.5% interest. Should I move it to my Vanguard account? Also, what’s the purpose of the settlement fund in Vanguard that doesn’t seem to be doing anything?
• I receive my late husband’s Social Security survivor benefits, and next year I’ll begin receiving his pension. Will the pension reduce my Social Security benefit?
• I recently refinanced my home and paid off my credit cards. Is it better to make my mortgage payment once a month or split it into two payments each month?

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

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Have you ever noticed how some people light up when they give, while others treat it like just another transaction?

Maybe the difference isn’t in the amount they give—but in how God designed them to give. What if discovering your God-given giving style is the key to finding joy in generosity? Today, Chris Gabriel joins us to unpack the idea of W.I.S.E. Generosity.

Chris Gabriel is a philanthropic leader and financial advisor with over 30 years of experience. A Yale and Oxford graduate, he created the WISEgenerosity framework to help individuals and institutions give well. Chris leads a thriving wealth management practice and is the author of WISEgenerosity: A Guide for Purposeful and Practical Living and Giving.

Generosity isn’t just about giving money—it’s about connecting your giving to your God-given identity and calling. Generosity is an essential virtue of a life well lived. It’s also perhaps the aspect of God’s nature that’s closest to our own. We’re made in His image, and that means we’re made to give.

While many Christians feel a tug toward generosity, few know how to give in a way that aligns with their values, financial situation, or spiritual identity.

God plants seeds in our hearts, but we also have a responsibility to be wise stewards of our resources. WISEgenerosity is designed to help people take those seeds and apply them intentionally based on their unique circumstances.

The heart of the book is captured in the acronym W.I.S.E., which stands for:

• Well-Grounded – Giving that is both spiritually rooted and practically planned. It’s based on God’s truth, but also on the real resources and capabilities you have.
• Inspired – This is where giving intersects with personal identity. We each have a unique calling from God, and when our giving aligns with that, it becomes deeply meaningful.
• Satisfying – Generosity brings joy when it flows from being grounded and inspired. The blessings are bountiful, not just for others, but for the giver.
• Effective – This is about wise stewardship—giving in a way that meets real needs and aligns with God’s purposes in the world.

One of the most powerful tools is the Personal Giving Identity (PGI). Much like a personality test, the PGI helps individuals uncover their unique generosity “type” and how it connects to biblical truths.

There are four generosity personalities:

1. Focused Givers – Like Joseph, they’re results-driven and strategic.
2. Expressive Givers – Like David, they’re creative and people-oriented.
3. Considerate Givers – Like Ruth, they’re relational and emotionally attuned.
4. Disciplined Givers – Like Daniel, they’re measured, analytical, and intentional.

Each of these biblical characters reflects traits we see in modern givers. When we understand our PGI, we can give in a way that’s aligned, impactful, and joyful.

The PGI tool doesn’t stop with individuals. Couples can benefit from it too. The spousal comparison tool helps partners understand each other’s giving styles and how to complement one another in shared generosity.

God brings couples together to align their capabilities and calling. Understanding how we each approach giving can deepen unity and effectiveness in our marriages.

While spontaneous giving is beautiful, we also should embrace strategic and systematic generosity.

Just like with other areas of life, awareness and planning elevate our impact. Some givers are driven by their hearts, while others are more analytical. Both are needed—but what matters is that we give with intention and trust.

Coming this fall is Advance, a new toolkit designed for churches, ministries, and financial advisors to help others walk through the WISEgenerosity framework in community.

Whether you're an individual, a couple, a ministry leader, or a financial professional, this resource will provide practical tools, spiritual insight, and relational wisdom to guide your giving.

If you’re ready to explore your personal giving identity or learn how to make your generosity more purposeful, visit WiseGenerosity.com. You’ll find:

• A free PGI assessment
• Bible study tools
• Teaching resources for churches and ministries
• Information on Chris’s book and upcoming toolkits

In a culture that often views giving as transactional or occasional, WISEgenerosity reminds us that giving is a deeply spiritual act—one that reflects the heart of God, shapes our identity, and brings lasting joy.

• I’m the legal guardian for my 97-year-old father. I recently sold his property and now need to complete a Medicaid spend-down. Where should I direct his remaining funds?
• I’ve been studying the Bible for over a year and now have a better understanding of tithing. I want to make sure I’m doing it biblically—who should receive my tithe according to Scripture?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• WISEgenerosity
• WISEgenerosity: A Guide for Purposeful and Practical Living and Giving by Chris Gabriel
• WISEgenerosity Personality Types Quiz
• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Have you ever felt a quiet sense of pride after giving, like you were just a little more faithful than others?

It’s a subtle temptation, but one we must take seriously. When our giving becomes a way to elevate ourselves rather than glorify God, we’ve missed the heart of generosity—and possibly much more.

Self-righteous giving hides behind good behavior. It’s giving to feel morally superior. Giving to prove we’re spiritually ahead. Giving to show God—or others—that we’ve “got it right.”

Jesus addressed this in Luke 18:

“Two men went up to the temple to pray, one a Pharisee and the other a tax collector… The Pharisee… prayed: ‘God, I thank you that I am not like other people… I fast twice a week and give a tenth of all I get.’ But the tax collector… said, ‘God, have mercy on me, a sinner.’ I tell you that this man, rather than the other, went home justified before God.”

The tithing, fasting Pharisee was not justified—not because his actions were wrong, but because he trusted in himself.

Religious acts, even impressive ones, can’t save us. When we give to make ourselves look good, we risk trusting in our performance rather than Christ’s finished work.

There’s nothing wrong with joy in giving—God loves a cheerful giver. But when joy turns to superiority, we’ve crossed the line. As Deuteronomy 8 reminds us:

“Remember the Lord your God, for it is he who gives you the ability to produce wealth…”

Everything we have—even the ability to give—comes from Him.

Jesus warns in Matthew 6 not to give for the sake of being noticed. True generosity is humble, often quiet, and motivated by gratitude. It’s giving that reflects Christ, not ourselves.

John the Baptist put it best: “He must increase, but I must decrease.”

So, if you notice pride in your giving:

1. Confess it to the Lord. His grace cleanses and corrects.
2. Refocus on gratitude. Remember how much you’ve been forgiven.
3. Practice hidden generosity. Give anonymously or where no one will notice.

Before each gift, pray: “Lord, may this reflect You, not me.” Because generosity is never about proving ourselves—it’s about responding to the One who gave everything for us.

• I’m 52 and currently have about 71% of my 401(k) invested in company stock, which has been generating returns of 30–36%. When and how should I begin diversifying to protect my retirement savings while still benefiting from my company’s potential growth?
• My husband (62) and I (58) are debating whether to start collecting Social Security now. We still run our own business and earn an income, but I’m concerned about how starting Social Security could affect our Medicare coverage. What’s the best strategy for our situation?
• I own and rent out a three-unit apartment building and want to know if there are any advantages to placing the property in an LLC.

• 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.