We’ve had Millennials, Generation X, and then Generation Y, so you had to know they were coming, now we have, Generation Z.What makes this youngest group tick? And how can they be molded into tomorrow’s leaders? Today, host Rob West talks with Dr. Tim Elmore to find out and later we’re joined by some real live Gen Z-ers after that your calls on anything financial at 800-525-7000.Tim Elmore is founder and CEO of Growing Leaders, a group dedicated to raising up new generations to be tomorrow’s spiritual and entrepreneurial leaders. He’s also a best-selling author of more than 30 books, his latest being,The Pandemic Population: Eight Strategies to Help Generation Z Rediscover Hope After Coronavirus.

How is the youngest group (GenZ) now just reaching adulthood different from the other generation groups?

Not a continuation of Millennials

More saving

More generous

More proactive with deeds and giving money during the pandemic

Will develop either a scarcity mindset or more generosity

More private

More anxious

More restless

More tech savvy

More nurtured

More entrepreneurial

More redemptive,more inclusive and accepting of different races, sexual orientation, backgrounds, or gender

Then, Tim and Rob are joined by two GenZ teenagers

oKate Newman discusses how she has been affected by the Pandemic that we are currently facing: She talks about how much they missed out on in the last year, sports seasons and prom cancelled, mission trips that can’t be made up, living isolated from peer groups with church and school activities cancelled.

oShe talks about how relationships are harder because you don’t see people as much. She also discusses a sense of optimism for post-pandemic life. She’s hopeful that her friends and her will come out of this with a greater appreciation for life, a stronger desire for community and deeper relationships, and even new priorities.

oColby West talks about the importance of authenticity for this generation. GenZ is exposed to so much that is fake or staged on social media that theyseek out things that are authentic. When it comes to our serving and giving, Colby talks about how him and his friends want to make a difference in people’s lives in a way that is tangible and the best way to do that is to work together.

Colby and Kate are working together to to raise money to fight a life-threatening disease.They are participating in The Leukemia Lymphoma Society’s Students of the Year program as team members for Team SAINTS FOR THE CURE. Students of the Year is a seven-week philanthropic competition for high school leaders seeking to make an impact in the fight against cancer.

If you would like to donate to the cause, simply go to moneywise.org and click on link to donate to our team - SAINTS FOR THE CURE - right there at the top of the page or you can text TEAMSAINTS to 797979.

Colby West and Kate Newman have been our guests today, along with Dr. Tim Elmore, author ofThe Pandemic Population: Eight Strategies to Help Generation Z Rediscover Hope After Coronavirus. It’s available at GrowingLeaders.com and Amazon.

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

We’ve had Millennials, Generation X, and then Generation Y, so you had to know they were coming, now we have, Generation Z.What makes this youngest group tick? And how can they be molded into tomorrow’s leaders? Today, host Rob West talks with Dr. Tim Elmore to find out and later we’re joined by some real live Gen Z-ers after that your calls on anything financial at 800-525-7000.Tim Elmore is founder and CEO of Growing Leaders, a group dedicated to raising up new generations to be tomorrow’s spiritual and entrepreneurial leaders. He’s also a best-selling author of more than 30 books, his latest being,The Pandemic Population: Eight Strategies to Help Generation Z Rediscover Hope After Coronavirus.

How is the youngest group (GenZ) now just reaching adulthood different from the other generation groups?

Not a continuation of Millennials

More saving

More generous

More proactive with deeds and giving money during the pandemic

Will develop either a scarcity mindset or more generosity

More private

More anxious

More restless

More tech savvy

More nurtured

More entrepreneurial

More redemptive,more inclusive and accepting of different races, sexual orientation, backgrounds, or gender

Then, Tim and Rob are joined by two GenZ teenagers

oKate Newman discusses how she has been affected by the Pandemic that we are currently facing: She talks about how much they missed out on in the last year, sports seasons and prom cancelled, mission trips that can’t be made up, living isolated from peer groups with church and school activities cancelled.

oShe talks about how relationships are harder because you don’t see people as much. She also discusses a sense of optimism for post-pandemic life. She’s hopeful that her friends and her will come out of this with a greater appreciation for life, a stronger desire for community and deeper relationships, and even new priorities.

oColby West talks about the importance of authenticity for this generation. GenZ is exposed to so much that is fake or staged on social media that theyseek out things that are authentic. When it comes to our serving and giving, Colby talks about how him and his friends want to make a difference in people’s lives in a way that is tangible and the best way to do that is to work together.

Colby and Kate are working together to to raise money to fight a life-threatening disease.They are participating in The Leukemia Lymphoma Society’s Students of the Year program as team members for Team SAINTS FOR THE CURE. Students of the Year is a seven-week philanthropic competition for high school leaders seeking to make an impact in the fight against cancer.

If you would like to donate to the cause, simply go to moneywise.org and click on link to donate to our team - SAINTS FOR THE CURE - right there at the top of the page or you can text TEAMSAINTS to 797979.

Colby West and Kate Newman have been our guests today, along with Dr. Tim Elmore, author ofThe Pandemic Population: Eight Strategies to Help Generation Z Rediscover Hope After Coronavirus. It’s available at GrowingLeaders.com and Amazon.

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

1 Peter 4:10 gives clear instruction on how Christians should live. As each has received a gift, use it to serve one another, as good stewards of God's varied grace.

But stewardship for the Christian involves more than just managing money wisely. Rob West and Steve Moore welcome financial planner Marc Hall for a look at how we should use our time, talents and our treasure for God’s glory.

Marc Hall is a Certified Kingdom Advisor in Dothan, Alabama with many years of experience helping folks apply God’s financial principles to their lives. He’s condensed much of that experience into a new book titled,Spiritual Wealth: A 40-Day Journey to Developing Stewardship Mindset(availableatStewardshipMindset.comorwherever you buy books).Topics covered in this conversation include the following:

With a number of great books on stewardship already out there, why write adevotionalabout it?(Larry Burkett used to say that the way you handle money is an outside indicator of your inner spiritual condition.Letting God’s Word shape your heart about money is a great way to change that outside indicator by changing the heart inside.)

Understanding God’s Standards for us as Stewards

Adapting Our Minds to God’s Standards

Living Out God’s Standards

Planning by God’s Standards (as opposed toworrying)

Giving According to God’s Standards

Finding Contentment as Stewards

Next, Rob and Steve answer some questions from our listeners:

I opened a retirement investment account a few years ago and was promised an 8.5% return if I locked the money up for five years.I was told I could add to it, but when I tried to do so, they said that I’d have to put the new money in a new account for only 7%.Can they do that?

We may have to replace the entire roof on our Florida home.What’s the best way to pay for it?The cost would completely wipe out our savings.

If you have a question you’d like to ask on the program, call (800) 525-7000 or [email protected] to connect with a MoneyWise Coach, purchase books, or download the free MoneyWise app?Just visit our website atMoneyWise.org

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

1 Peter 4:10 gives clear instruction on how Christians should live. As each has received a gift, use it to serve one another, as good stewards of God's varied grace.

But stewardship for the Christian involves more than just managing money wisely. Rob West and Steve Moore welcome financial planner Marc Hall for a look at how we should use our time, talents and our treasure for God’s glory.

Marc Hall is a Certified Kingdom Advisor in Dothan, Alabama with many years of experience helping folks apply God’s financial principles to their lives. He’s condensed much of that experience into a new book titled,Spiritual Wealth: A 40-Day Journey to Developing Stewardship Mindset(availableatStewardshipMindset.comorwherever you buy books).Topics covered in this conversation include the following:

With a number of great books on stewardship already out there, why write adevotionalabout it?(Larry Burkett used to say that the way you handle money is an outside indicator of your inner spiritual condition.Letting God’s Word shape your heart about money is a great way to change that outside indicator by changing the heart inside.)

Understanding God’s Standards for us as Stewards

Adapting Our Minds to God’s Standards

Living Out God’s Standards

Planning by God’s Standards (as opposed toworrying)

Giving According to God’s Standards

Finding Contentment as Stewards

Next, Rob and Steve answer some questions from our listeners:

I opened a retirement investment account a few years ago and was promised an 8.5% return if I locked the money up for five years.I was told I could add to it, but when I tried to do so, they said that I’d have to put the new money in a new account for only 7%.Can they do that?

We may have to replace the entire roof on our Florida home.What’s the best way to pay for it?The cost would completely wipe out our savings.

If you have a question you’d like to ask on the program, call (800) 525-7000 or [email protected] to connect with a MoneyWise Coach, purchase books, or download the free MoneyWise app?Just visit our website atMoneyWise.org

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

You can buy a box of envelopes online delivered to your door for just a few dollars. But using them to budget, well, that could save you a fortune.It’s true, the old tried and true cash envelope budgeting systemwill help you spend less, but many folks still prefer to use credit and debit cards instead. Today, Kingdom Advisors President Rob West has a way to get the best of both worlds. Then it’s your calls at 800-525-7000.

Studies consistently show that when you have to take actual dollars out of an envelope at checkout you naturally want to spend less, usually 10 to 30-percent less then when we use a credit or debit card.

It’s best to use a hybrid system that incorporates both. You can continue to pay some of your bills online using a credit or debit account, like your mortgage, utilities and insurance, things that tend to be the same from month to month.

But for discretionary categories, like food, clothing, shopping and entertainment you would use the envelope system and pay with cash. That allows you to still save money in a significant part of your overall budget.

You need to track your spending for a couple of months to see where your money’s going.A very easy way to do that is by downloading the free MoneyWise app, which is actuallybased on the envelope system. It enables you to track every penny you spend and assign it to the appropriate category.

Once you have a good idea of how you’re spending your money you can decide which categories you’ll commit to cash.Then you stop using credit cards for those categories.

Always keep a little money on you at all times, say 20 to 50 dollars. That’s your I forgot my envelope money. It’ll keep you from using plastic. Remember, the whole idea is to get the benefit of spending less with cash.

Here are a couple of questions we answered from our callers on today’s program:

My husband and I have an account for our adult, disabled daughter. I have been told to get a wealth management company to help manage this account. Is this wise?

My wife and I are expecting bonuses. Should we put this towards retirement or put it towards the home?

What is the best instrument to use to get someone else to manage your accounts?

My husband passed away last year. The mortgage is in this name and my credit is bad. I don’t know if I will be able to refinance. Advice?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

You can buy a box of envelopes online delivered to your door for just a few dollars. But using them to budget, well, that could save you a fortune.It’s true, the old tried and true cash envelope budgeting systemwill help you spend less, but many folks still prefer to use credit and debit cards instead. Today, Kingdom Advisors President Rob West has a way to get the best of both worlds. Then it’s your calls at 800-525-7000.

Studies consistently show that when you have to take actual dollars out of an envelope at checkout you naturally want to spend less, usually 10 to 30-percent less then when we use a credit or debit card.

It’s best to use a hybrid system that incorporates both. You can continue to pay some of your bills online using a credit or debit account, like your mortgage, utilities and insurance, things that tend to be the same from month to month.

But for discretionary categories, like food, clothing, shopping and entertainment you would use the envelope system and pay with cash. That allows you to still save money in a significant part of your overall budget.

You need to track your spending for a couple of months to see where your money’s going.A very easy way to do that is by downloading the free MoneyWise app, which is actuallybased on the envelope system. It enables you to track every penny you spend and assign it to the appropriate category.

Once you have a good idea of how you’re spending your money you can decide which categories you’ll commit to cash.Then you stop using credit cards for those categories.

Always keep a little money on you at all times, say 20 to 50 dollars. That’s your I forgot my envelope money. It’ll keep you from using plastic. Remember, the whole idea is to get the benefit of spending less with cash.

Here are a couple of questions we answered from our callers on today’s program:

My husband and I have an account for our adult, disabled daughter. I have been told to get a wealth management company to help manage this account. Is this wise?

My wife and I are expecting bonuses. Should we put this towards retirement or put it towards the home?

What is the best instrument to use to get someone else to manage your accounts?

My husband passed away last year. The mortgage is in this name and my credit is bad. I don’t know if I will be able to refinance. Advice?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

We all know that our FICO score has a huge impact on our finances, but did you know another number could be just as important and you may not even know about it? It’s called your Secret Consumer Score and most of us don’t even know we have one. Today, host Rob West and Steve Moore explain this little-known measurement and the affect it can have on your money.

These consumer scores can impact other things, not just our buying decisions. Another name for this is, Secret Surveillance Scores.

There are several companies doing the surveilling, including Sift, Zeta Global, and Retail Equation. They compile huge amounts of data on you and from that they determine your secret consumer score, which they then sell to those who want information on your buying habits.

Sift specializes in protecting companies against fraud, and they concentrate more on transactions than people. Zeta Global rates your value as a customer, and retailers use that data to determine what services they’ll offer you and how they’ll treat you as a customer. Retail Equation tries to identify customers committing fraud. Big retailers use it to determine whether they’ll allow you to return a purchased item.

Your secret consumer score could be used to determine the offers you receive, maybe even the prices you see when shopping online. Some landlords use it to determine whether you’re likely to pay rent on time and how much you can afford in the way of future rent increases.

Make sure you shop around before making a major online purchase and be wary of ads you see while doing it, because they’re not likely to be the best deals out there.

Try using a privacy window in your browser so your shopping can’t be tracked. That way, the offers you see may not be based on your secret consumer score.

Adjust your privacy settings for your smartphone to prevent background data from being shared.

Here are a couple of questions we answered from our callers on today’s program:

I have $17,000 of revolving credit card debt. Should I take out a home equity loan and get it paid off? (Rob mentions ChristianCreditCounselors.org).

I want to make sure that I’m investing in the right ways, and I want to get the right financial advisor for me. What would you recommend I do? (Rob mentions InspireInvesting.com and InvestEventide.com).

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

We all know that our FICO score has a huge impact on our finances, but did you know another number could be just as important and you may not even know about it? It’s called your Secret Consumer Score and most of us don’t even know we have one. Today, host Rob West and Steve Moore explain this little-known measurement and the affect it can have on your money.

These consumer scores can impact other things, not just our buying decisions. Another name for this is, Secret Surveillance Scores.

There are several companies doing the surveilling, including Sift, Zeta Global, and Retail Equation. They compile huge amounts of data on you and from that they determine your secret consumer score, which they then sell to those who want information on your buying habits.

Sift specializes in protecting companies against fraud, and they concentrate more on transactions than people. Zeta Global rates your value as a customer, and retailers use that data to determine what services they’ll offer you and how they’ll treat you as a customer. Retail Equation tries to identify customers committing fraud. Big retailers use it to determine whether they’ll allow you to return a purchased item.

Your secret consumer score could be used to determine the offers you receive, maybe even the prices you see when shopping online. Some landlords use it to determine whether you’re likely to pay rent on time and how much you can afford in the way of future rent increases.

Make sure you shop around before making a major online purchase and be wary of ads you see while doing it, because they’re not likely to be the best deals out there.

Try using a privacy window in your browser so your shopping can’t be tracked. That way, the offers you see may not be based on your secret consumer score.

Adjust your privacy settings for your smartphone to prevent background data from being shared.

Here are a couple of questions we answered from our callers on today’s program:

I have $17,000 of revolving credit card debt. Should I take out a home equity loan and get it paid off? (Rob mentions ChristianCreditCounselors.org).

I want to make sure that I’m investing in the right ways, and I want to get the right financial advisor for me. What would you recommend I do? (Rob mentions InspireInvesting.com and InvestEventide.com).

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

In Matthew 5:16, Jesus says, Let your light shine before others, so that they may see your good works and give glory to your Father who is in heaven. As believers, we must glorify God in all we say and do. But does that apply even to investing? Today, host Rob West talks with Jason Myhre of Eventide about faith-based investing that glorifies God.

If investing is company ownership, this should invite us to ask the question, What are the companies that I own? Most of us have no idea. That’s because most of us don’t pick the companies we invest in. Instead, we use investment products where the companies are chosen for us by a portfolio manager or team of investors.

You have to wonder, does the person choosing the companies for you share your beliefs, values, and ethical commitments? Are they choosing the kings of companies you would choose for yourself? Or are they simply focused on profit?

Faith-based investing is a way to outsource your investing decisions to someone who shares your beliefs, values, and commitments so you can save for the future in ways you’ll feel good about from a Christian perspective.

Dwight Short says to think of yourself as God’s portfolio manager. God has entrusted us with his money to manage it on his behalf.

Eventide invests in one of the leaders in water technology, helping to provide clean water to those at the bottom of the global economic pyramid. Eventide also invested in a company that was working on a new treatment for Schizophrenia, which resulted in an incredible decrease of symptoms in many Schizophrenia patients.

Here are a couple of questions we answered from our callers on today’s program:

My wife and I are in the process of financing our first home. Our jobs are currently an hour away from where we’re going to be moving, and we’re hoping the Lord will provide work near our new home. What are some different ways we could earn money on the side?

My wife and I are in the process of redoing our trusts and our will. We have seven children, one of which is very much estranged from the family. We’re struggling with whether or not to include that daughter in our estate. What advice can you give us?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

In Matthew 5:16, Jesus says, Let your light shine before others, so that they may see your good works and give glory to your Father who is in heaven. As believers, we must glorify God in all we say and do. But does that apply even to investing? Today, host Rob West talks with Jason Myhre of Eventide about faith-based investing that glorifies God.

If investing is company ownership, this should invite us to ask the question, What are the companies that I own? Most of us have no idea. That’s because most of us don’t pick the companies we invest in. Instead, we use investment products where the companies are chosen for us by a portfolio manager or team of investors.

You have to wonder, does the person choosing the companies for you share your beliefs, values, and ethical commitments? Are they choosing the kings of companies you would choose for yourself? Or are they simply focused on profit?

Faith-based investing is a way to outsource your investing decisions to someone who shares your beliefs, values, and commitments so you can save for the future in ways you’ll feel good about from a Christian perspective.

Dwight Short says to think of yourself as God’s portfolio manager. God has entrusted us with his money to manage it on his behalf.

Eventide invests in one of the leaders in water technology, helping to provide clean water to those at the bottom of the global economic pyramid. Eventide also invested in a company that was working on a new treatment for Schizophrenia, which resulted in an incredible decrease of symptoms in many Schizophrenia patients.

Here are a couple of questions we answered from our callers on today’s program:

My wife and I are in the process of financing our first home. Our jobs are currently an hour away from where we’re going to be moving, and we’re hoping the Lord will provide work near our new home. What are some different ways we could earn money on the side?

My wife and I are in the process of redoing our trusts and our will. We have seven children, one of which is very much estranged from the family. We’re struggling with whether or not to include that daughter in our estate. What advice can you give us?

Ask your questions at (800) 525-7000 or email them [email protected]. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app.

Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.