What do millennials have in common besides being young adults trying to carve out careers and start families? The vast majority graduated from high school with no formal training in personal finances. Sadly, most high schools don’t teach financial literacy. So, young people enter the working world or go off to college knowing little about managing money. Financial planner and teacher Rob West has a crash course today.

A study by the Federal Reserve shows that millennials have racked up $1 trillionin debt, an increase of 22% in just 5 years, the most of any generation in history. There’s no question that financial literacy should be a priority in the K-12 curriculum.

Learn to say no. When you’re young and starting out on your own there’s the temptation to overspend. Everyone needs to learn delayed gratification, but especially young adults. They’ll start getting credit card offers, which, at first, seems like a source of easy moneycharge now,pay later.

Your spending plan won’t do you much good if you’re not watching where your money goes. There are plenty of free apps available to track your spending. Download one and put it to work.You’ll soondiscover that a daily $3 cup of coffee costs you nearly $100 a month! By tracking your spending, you’ll get a picture of unnecessary expenses you can trim to stay within your plan.

Prepare for the unexpected like a temporary job loss or the transmission going out. If you can’t pay the rent you’ll need a place to stay, and hopefully the folks haven’t turned your bedroom into a home theater! The solution is to start putting your surplus money into an emergency fund. Start with a goal of $1,500. Once you have that saved up, keep going for one month’s living expenses and don’t stop until you have at least 3 months’ expenses saved up. This way, you’ll be ready for unplanned expenses and you won’t have to make that uncomfortable phone call home.

Consider longer-range saving goals. A new car, a downpayment on a house, and retirement should be planned today. If you’re already making a car payment, then once it’s paid off, continue putting that amount into savings for your next car. Get to the point where you can pay cash without taking out a car loan.

Save 10-15% of your income for retirement. It’s difficult for young people to think that far ahead, but the earlier you start, the better. If you were to invest just $100 a month starting at age 30 (with an annual yield of 8%), by the time you retire at age 67 you’d have nearly $275,000.

Here are some questions we answered from our callers on today’s program:

One caller and Rob West warned about how phone scams work.

I’d like to learn more about playing the stock market. What do you advise?

I’ve made getting debt free a priority. I’d also like to preserve my credit score. I’ve got several credit cards. Where should I start?

Is there a Christian cost-sharing home owner/auto insurance company I can get on with?Inspireinsight.comwas the website Rob referenced with this caller.

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 and Follow us on Facebook at MoneyWise Media for 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

What do millennials have in common besides being young adults trying to carve out careers and start families? The vast majority graduated from high school with no formal training in personal finances. Sadly, most high schools dont teach financial literacy. So, young people enter the working world or go off to college knowing little about managing money. Financial planner and teacher Rob West has a crash course today.

A study by the Federal Reserve shows that millennials have racked up $1 trillionin debt, an increase of 22% in just 5 years, the most of any generation in history. Theres no question that financial literacy should be a priority in the K-12 curriculum.

Learn to say no. When youre young and starting out on your own theres the temptation to overspend. Everyone needs to learn delayed gratification, but especially young adults. Theyll start getting credit card offers, which, at first, seems like a source of easy moneycharge now,pay later.

Your spending plan wont do you much good if youre not watching where your money goes. There are plenty of free apps available to track your spending. Download one and put it to work.Youll soondiscover that a daily $3 cup of coffee costs you nearly $100 a month! By tracking your spending, youll get a picture of unnecessary expenses you can trim to stay within your plan.

Prepare for the unexpected like a temporary job loss or the transmission going out. If you cant pay the rent youll need a place to stay, and hopefully the folks havent turned your bedroom into a home theater! The solution is to start putting your surplus money into an emergency fund. Start with a goal of $1,500. Once you have that saved up, keep going for one months living expenses and dont stop until you have at least 3 months expenses saved up. This way, youll be ready for unplanned expenses and you wont have to make that uncomfortable phone call home.

Consider longer-range saving goals. A new car, a downpayment on a house, and retirement should be planned today. If youre already making a car payment, then once its paid off, continue putting that amount into savings for your next car. Get to the point where you can pay cash without taking out a car loan.

Save 10-15% of your income for retirement. Its difficult for young people to think that far ahead, but the earlier you start, the better. If you were to invest just $100 a month starting at age 30 (with an annual yield of 8%), by the time you retire at age 67 youd have nearly $275,000.

Here are some questions we answered from our callers on todays program:

One caller and Rob West warned about how phone scams work.

Id like to learn more about playing the stock market. What do you advise?

Ive made getting debt free a priority. Id also like to preserve my credit score. Ive got several credit cards. Where should I start?

Is there a Christian cost-sharing home owner/auto insurance company I can get on with?Inspireinsight.comwas the website Rob referenced with this caller.

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 and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its 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.

Desire without knowledge is not good, and whoever makes haste with his feet misses his way.Proverbs 19:2 is a good reminder to do our homework when managing money, especially when investing. Avoiding financial mistakes is an important goal, but so is investing for the right reasons. Today, host Rob West explores that and more with Matt Bell of Sound Mind Investing. A degree in finance not required. Then we take your calls at 800-525-7000. 800-525-7000.Matt Bell is managing editor at SMI and the author of four books on personal finance. You can read his article, The Education of an Investor atSoundMindInvesting.org.

He joins us to talk about a personal journey he’s been on for the last eight years and to share what he’s learned about investing

There are numerous biblical principles that apply to how we invest, but where SMI has helped the most in bringing faith into our financial decisions is in checking motivations. As Austin Pryor wrote in his book, The Sound Mind Investing Handbook, I have become convinced that it is ultimately impossible to self-destruct financially if your decision-making is pointed in the direction of God’s glory.

SMI does its best to teach what youneedto know about investing, not all thereisto know. So that’s especially helpful for folks beginning to invest, but there’s still a lot that God’s peopleneedto know. Here are a few examples:

First, the market moves through cycles. The market alternates between bull and bear markets and bull markets have historically lasted longer than bear markets and added more value than bear markets have taken away.

Much that passes for investment news is really just guessing.

Our thinking is biased. We’re subject to many inherent biases. Chief among them is loss aversion, which means we feel the pain oflossto a much greater degree than the satisfaction of a similargain. So, when the market falls, it’s natural to feel bad, but it doesn’t mean you shoulddosomething.

It’s a mistake to move too quickly toward choosing specific investments. We’re easily drawn in by headlines about a hot stock or an investment tip from a friend or co-worker. Instead, we should focus on finding and following a trustworthy investmentstrategy.

Your investment plan should not be based on anyone’s opinions or predictions. Instead, it should be driven by an unbiased, rules-based process that tells us what to invest in.

We should be able to understand the strategy so well that we could explain it to a 12-year-old.

We should know how an investment isdesignedto perform in bull markets and bear markets, and we should be able to see how it hasactuallyperformed. That can help you stay with an investment in good times and bad.

We should understand what it takes to follow our strategy of choiceand be willing to do it.

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

There is a perception in this country that parents should help, if not pay for all, of their children’s college tuition. How do you feel about this?

We have a 529 plan for our children. We got a postcard about switching to a different company. With the current state of our country, we are now concerned about what college will look like in 15-20 years. Advice on what we should do with this money?

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 and Follow us on Facebook at MoneyWise Media for 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

Desire without knowledge is not good, and whoever makes haste with his feet misses his way.Proverbs 19:2 is a good reminder to do our homework when managing money, especially when investing. Avoiding financial mistakes is an important goal, but so is investing for the right reasons. Today, host Rob West explores that and more with Matt Bell of Sound Mind Investing. A degree in finance not required. Then we take your calls at 800-525-7000. 800-525-7000.Matt Bell is managing editor at SMI and the author of four books on personal finance. You can read his article, The Education of an Investor atSoundMindInvesting.org.

He joins us to talk about a personal journey hes been on for the last eight years and to share what hes learned about investing

There are numerous biblical principles that apply to how we invest, but where SMI has helped the most in bringing faith into our financial decisions is in checking motivations. As Austin Pryor wrote in his book, The Sound Mind Investing Handbook, I have become convinced that it is ultimately impossible to self-destruct financially if your decision-making is pointed in the direction of Gods glory.

SMI does its best to teach what youneedto know about investing, not all thereisto know. So thats especially helpful for folks beginning to invest, but theres still a lot that Gods peopleneedto know. Here are a few examples:

First, the market moves through cycles. The market alternates between bull and bear markets and bull markets have historically lasted longer than bear markets and added more value than bear markets have taken away.

Much that passes for investment news is really just guessing.

Our thinking is biased. Were subject to many inherent biases. Chief among them is loss aversion, which means we feel the pain oflossto a much greater degree than the satisfaction of a similargain. So, when the market falls, its natural to feel bad, but it doesnt mean you shoulddosomething.

Its a mistake to move too quickly toward choosing specific investments. Were easily drawn in by headlines about a hot stock or an investment tip from a friend or co-worker. Instead, we should focus on finding and following a trustworthy investmentstrategy.

Your investment plan should not be based on anyones opinions or predictions. Instead, it should be driven by an unbiased, rules-based process that tells us what to invest in.

We should be able to understand the strategy so well that we could explain it to a 12-year-old.

We should know how an investment isdesignedto perform in bull markets and bear markets, and we should be able to see how it hasactuallyperformed. That can help you stay with an investment in good times and bad.

We should understand what it takes to follow our strategy of choiceand be willing to do it.

Here are just a couple of questions we answered from our callers on todays program:

There is a perception in this country that parents should help, if not pay for all, of their childrens college tuition. How do you feel about this?

We have a 529 plan for our children. We got a postcard about switching to a different company. With the current state of our country, we are now concerned about what college will look like in 15-20 years. Advice on what we should do with this money?

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 and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its 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.

For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me. Jesus’ words in Matthew 25 reveal the eternal reward for generosity.Surveys show that Christians are generous people and this often involves money. Today, financial planner and teacher Rob West reveals what’s really behind our decision to give unto others.

Obviously, we give out of obedience. The Bible is clear that we are to be generous, and Christians know this. We also know that we should give out of a sense of gratitude for what God has already given us. Keeping those two things in mind helps us to give for the right reason, as Paul directs in 2 Corinthians 9:7, Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.

Giving actually breaks the power of money and possessions that can make us greedy. It’s interesting that secular studies have begun to point this outthat generous people are happier people. Of course, the Bible has stated this plainly for thousands of years. Proverbs 22:9 reads, Whoever has a bountiful eye will be blessed, for he shares his bread with the poor. God obviously cares for the poor and needy, but that’s not the only reason he commands us to be generous. He does so because He knows it’s good for us and believers know that as well.

Giving is a form of worship. It’s every bit as worship as is singing songs of praise. And Christians know that they are to give all of themselves. Paul tells us in Romans 12:1, Therefore, I urge you, brothers and sisters, in view of God’s mercy, to offer your bodies as a living sacrifice, holy and pleasing to Godthis is your true and proper worship.

Finally, giving helps us to become more like Jesus, which is the goal of every Christian.

Here’s the link to the study about generosity:https://www.sciencedaily.com/releases/2017/07/170711112441.htm

On today’s program we also answer your questions:

We have two houses. One is paid for. Should we sell the paid-for one to pay off the other? Or should we rent the one to help pay off the outstanding debt on the other house? We need to do this because we need a buy yet another homea single-story house to actually live in.

Should I pay off my mortgage? I’ve saved up enough money to almost pay it off. I’m going to retire in 3 years and we don’t want to stay in this current home. Are there advantages or disadvantages?

Should we tithe our COVID-19 stimulus check?

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 and Follow us on Facebook at MoneyWise Media for 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

For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me. Jesus words in Matthew 25 reveal the eternal reward for generosity.Surveys show that Christians are generous people and this often involves money. Today, financial planner and teacher Rob West reveals whats really behind our decision to give unto others.

Obviously, we give out of obedience. The Bible is clear that we are to be generous, and Christians know this. We also know that we should give out of a sense of gratitude for what God has already given us. Keeping those two things in mind helps us to give for the right reason, as Paul directs in 2 Corinthians 9:7, Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.

Giving actually breaks the power of money and possessions that can make us greedy. Its interesting that secular studies have begun to point this outthat generous people are happier people. Of course, the Bible has stated this plainly for thousands of years. Proverbs 22:9 reads, Whoever has a bountiful eye will be blessed, for he shares his bread with the poor. God obviously cares for the poor and needy, but thats not the only reason he commands us to be generous. He does so because He knows its good for us and believers know that as well.

Giving is a form of worship. Its every bit as worship as is singing songs of praise. And Christians know that they are to give all of themselves. Paul tells us in Romans 12:1, Therefore, I urge you, brothers and sisters, in view of Gods mercy, to offer your bodies as a living sacrifice, holy and pleasing to Godthis is your true and proper worship.

Finally, giving helps us to become more like Jesus, which is the goal of every Christian.

Heres the link to the study about generosity:https://www.sciencedaily.com/releases/2017/07/170711112441.htm

On todays program we also answer your questions:

We have two houses. One is paid for. Should we sell the paid-for one to pay off the other? Or should we rent the one to help pay off the outstanding debt on the other house? We need to do this because we need a buy yet another homea single-story house to actually live in.

Should I pay off my mortgage? Ive saved up enough money to almost pay it off. Im going to retire in 3 years and we dont want to stay in this current home. Are there advantages or disadvantages?

Should we tithe our COVID-19 stimulus check?

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 and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its 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.

God tells us to have compassion for the poor. But he also says that if a man won’t work then neither shall he eat. So, which is it? Give him a sandwich or a job? That question leads us directly to the intersection of Grace and Truth. What is the Christian’s responsibility to the poor? Today, MoneyWise host Rob West looks for answers with Howard Dayton of Compass Finances God’s Way.

We have the responsibility to work hard and we have the responsibility to help those less fortunate than we are.

Let’s first take a look at the responsibility to work hard from Exodus 20 verse 9, Six days shall you labor and do all your work. Proverbs 12:27 adds, The precious possession of a man is diligence. And the Apostle Paul caps it all off in 2 Thessalonians 3:10 where he writes, For when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat. That’s pretty clear. If we’re physically and mentally able, we should work and we should require the needy to work as wellproviding they, too, are able to work.

Think about this for a moment. Jesus so personally identifies with the poor that when we give to those in need, we’re actually giving to the person of Christ.

If a needy person is working hard or trying to get work, help them. If a needy person is capable of working but chooses not to work, pray for them and encourage them to get a job.You might help them financially for a short period of time and that’s okay. But share with them how important it is from God’s perspective for them to work.

Here are some questions we answered from our callers on today’s program:

What’s the formula to determine when one should buy a newer car instead of keeping and maintaining your existing one?

What’s the most convenient and affordable way to get a will made?

I was told that I, as a business owner, could invest in an owner-only 401(k) plan. What can you tell me about this?

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

Like and Follow us on Facebook at MoneyWise Media for 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

God tells us to have compassion for the poor. But he also says that if a man wont work then neither shall he eat. So, which is it? Give him a sandwich or a job? That question leads us directly to the intersection of Grace and Truth. What is the Christians responsibility to the poor? Today, MoneyWise host Rob West looks for answers with Howard Dayton of Compass Finances Gods Way.

We have the responsibility to work hard and we have the responsibility to help those less fortunate than we are.

Lets first take a look at the responsibility to work hard from Exodus 20 verse 9, Six days shall you labor and do all your work. Proverbs 12:27 adds, The precious possession of a man is diligence. And the Apostle Paul caps it all off in 2 Thessalonians 3:10 where he writes, For when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat. Thats pretty clear. If were physically and mentally able, we should work and we should require the needy to work as wellproviding they, too, are able to work.

Think about this for a moment. Jesus so personally identifies with the poor that when we give to those in need, were actually giving to the person of Christ.

If a needy person is working hard or trying to get work, help them. If a needy person is capable of working but chooses not to work, pray for them and encourage them to get a job.You might help them financially for a short period of time and thats okay. But share with them how important it is from Gods perspective for them to work.

Here are some questions we answered from our callers on todays program:

Whats the formula to determine when one should buy a newer car instead of keeping and maintaining your existing one?

Whats the most convenient and affordable way to get a will made?

I was told that I, as a business owner, could invest in an owner-only 401(k) plan. What can you tell me about this?

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

Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its 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 the long, hot days of summer, it’s difficult to think ahead to Christmas. But you can eliminate at least one major source of anxiety during the holidays with a little planning and execution today! We’re talking about money, of course. Christmas is stressful enough without the worry of overspending or worse, going into debt. Kingdom Advisors President Rob West has 5 great ways to put the happy back in your holidays.

First, determine how much you can spend on presents, decorations, and entertaining without going into debt. Your goal is to make this a plastic free Christmas. To help with that, take advantage of our MoneyWise Christmas Spending Plan template. You can download it for free at MoneyWise.org. This enables you to itemize your spendingnaming each gift recipient and how much you plan to spend in addition to all your other expenses (like your Christmas tree, greeting cards, wrapping supplies, etc.)

Play catchup with your savings. You can make that a lot easier by cutting back on some expenses now to free up money for Christmas spending later. So as long as you have your monthly budget out, go over it to see where you might be able to trim. You’ll have to exercise delayed gratificationgiving up things you want now for things you’ll want at Christmas.

Take advantage of credit card rewards and cash-back benefits from shopping apps. If you use a credit card to get rewards (and we’ll assume you pay off the balance every month if you do), set those rewards aside for Christmas spending. Also, any number of shopping apps give you cash back or gift cards for free if you purchase items through them. Just make sure those purchases are within your budget.

Start shopping for Christmas now. With almost 6 months to go before Christmas, there’s a lot of time to do research to find the best prices for gifts and other items you need to purchase. Also, tax-free weekends are starting in just a few weeks. While they’re intended to help parents save money on school-related purchases, many tax-free items could be used for Christmas presents, too. Every gift you buy in August is one less you have to scramble around for in December.

Finally, protect your savings. Put all the money you save for Christmas somewhere other than your checking account. Most banks and credit unions will let you set up a separate savings account for Christmas. Take advantage of it because if you leave those funds in your checking account they’re likely to disappear before the holidays.

Get cash back or gift cards when you make purchases through these apps: Rakuten (rakuten.com), Honey (joinhoney.com), RetailMeNot (RetailMeNot.com), Ibotta (ibotta.com), and Shopkick (shopkick.com).

Here are some questions we answered from our callers on today’s program:

Should I put more toward my debt and get debt free or should I put more into savings instead?

What more can you tell me regarding government offset related to receiving social security benefits from when my husband retired? Check out ssa.gov for more information.

I’m considering adding solar panels onto my house (there’s a large tax credit). What more can you tell me about this?

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

Like and Follow us on Facebook at MoneyWise Media for 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 the long, hot days of summer, its difficult to think ahead to Christmas. But you can eliminate at least one major source of anxiety during the holidays with a little planning and execution today! Were talking about money, of course. Christmas is stressful enough without the worry of overspending or worse, going into debt. Kingdom Advisors President Rob West has 5 great ways to put the happy back in your holidays.

First, determine how much you can spend on presents, decorations, and entertaining without going into debt. Your goal is to make this a plastic free Christmas. To help with that, take advantage of our MoneyWise Christmas Spending Plan template. You can download it for free at MoneyWise.org. This enables you to itemize your spendingnaming each gift recipient and how much you plan to spend in addition to all your other expenses (like your Christmas tree, greeting cards, wrapping supplies, etc.)

Play catchup with your savings. You can make that a lot easier by cutting back on some expenses now to free up money for Christmas spending later. So as long as you have your monthly budget out, go over it to see where you might be able to trim. Youll have to exercise delayed gratificationgiving up things you want now for things youll want at Christmas.

Take advantage of credit card rewards and cash-back benefits from shopping apps. If you use a credit card to get rewards (and well assume you pay off the balance every month if you do), set those rewards aside for Christmas spending. Also, any number of shopping apps give you cash back or gift cards for free if you purchase items through them. Just make sure those purchases are within your budget.

Start shopping for Christmas now. With almost 6 months to go before Christmas, theres a lot of time to do research to find the best prices for gifts and other items you need to purchase. Also, tax-free weekends are starting in just a few weeks. While theyre intended to help parents save money on school-related purchases, many tax-free items could be used for Christmas presents, too. Every gift you buy in August is one less you have to scramble around for in December.

Finally, protect your savings. Put all the money you save for Christmas somewhere other than your checking account. Most banks and credit unions will let you set up a separate savings account for Christmas. Take advantage of it because if you leave those funds in your checking account theyre likely to disappear before the holidays.

Get cash back or gift cards when you make purchases through these apps: Rakuten (rakuten.com), Honey (joinhoney.com), RetailMeNot (RetailMeNot.com), Ibotta (ibotta.com), and Shopkick (shopkick.com).

Here are some questions we answered from our callers on todays program:

Should I put more toward my debt and get debt free or should I put more into savings instead?

What more can you tell me regarding government offset related to receiving social security benefits from when my husband retired? Check out ssa.gov for more information.

Im considering adding solar panels onto my house (theres a large tax credit). What more can you tell me about this?

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

Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its 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.