Realtors will tell you the best time to buy a home is in the late summer months, there are still plenty of houses for sale, but fewer competitors. If you’re in the market the question is will you be ready? A home is the biggest purchase you’ll ever make so unless you just received a large inheritance you’ll need a mortgage. Today, host Rob West has some advice to help you land the right one. Then we take your calls at 800-525-7000.

A government study found that nearly half of home buyers don’t comparison shop for their mortgage.

It is important to get at least three quotes from different lenders. Every lender will consider the same factors before offering you a loan, not just your credit rating and income, but also things like your employment history, assets and debt.

Consider different loan types. Most people automatically choose a 30-year fixed rate mortgage because the monthly payments are lower and that allows them to buy more house. You should also consider that a shorter term will mean paying less in interest over the life of the loan, because you’ll get a lower rate with a shorter term.

Lock in your interest rate. If rates should happen to drop, some lenders offer what’s called a float down option that gives you the lower rate. In exchange, you may have to pay a fee at the closing table. Keep in mind that lock in periods usually last only 60 to 90 days, so you should be ready to buy before you lock in.

If you can afford it, there’s usually an option to buy discount points.

Basically, that means paying more upfront at closing in return for a lower interest rate.

Avoid private mortgage insurance. PMI protects the lender in case you default on your mortgage. It’s of no benefit to you. The only way to avoid PMI is by putting down at least 20-percent when you buy a home.

On today’s program we also answer your questions:

I have a negative equity in a vehicle. How can I get out from under this?

I inherited some investments from my father. I will need the funds in the near future to purchase a home. I have seen a 15% decrease in my funds. What should I do?

I am power of attorney for my father. He is in the deep stages of dementia, so I am now in charge of his money. My wife and I have learned the value of tithing. Should I tithe from his income?

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 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

Realtors will tell you the best time to buy a home is in the late summer months, there are still plenty of houses for sale, but fewer competitors. If youre in the market the question is will you be ready? A home is the biggest purchase youll ever make so unless you just received a large inheritance youll need a mortgage. Today, host Rob West has some advice to help you land the right one. Then we take your calls at 800-525-7000.

A government study found that nearly half of home buyers dont comparison shop for their mortgage.

It is important to get at least three quotes from different lenders. Every lender will consider the same factors before offering you a loan, not just your credit rating and income, but also things like your employment history, assets and debt.

Consider different loan types. Most people automatically choose a 30-year fixed rate mortgage because the monthly payments are lower and that allows them to buy more house. You should also consider that a shorter term will mean paying less in interest over the life of the loan, because youll get a lower rate with a shorter term.

Lock in your interest rate. If rates should happen to drop, some lenders offer whats called a float down option that gives you the lower rate. In exchange, you may have to pay a fee at the closing table. Keep in mind that lock in periods usually last only 60 to 90 days, so you should be ready to buy before you lock in.

If you can afford it, theres usually an option to buy discount points.

Basically, that means paying more upfront at closing in return for a lower interest rate.

Avoid private mortgage insurance. PMI protects the lender in case you default on your mortgage. Its of no benefit to you. The only way to avoid PMI is by putting down at least 20-percent when you buy a home.

On todays program we also answer your questions:

I have a negative equity in a vehicle. How can I get out from under this?

I inherited some investments from my father. I will need the funds in the near future to purchase a home. I have seen a 15% decrease in my funds. What should I do?

I am power of attorney for my father. He is in the deep stages of dementia, so I am now in charge of his money. My wife and I have learned the value of tithing. Should I tithe from his income?

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 atMoneyWise Mediafor 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.

Ask anyone who’s done it and they’ll tell you that digging their way out of debt was one of the hardest things they ever did. Fortunately, there are some tools to make the job easier. If you’re struggling with credit card and loan debt, the first thing you need isn’t more money, it’s a plan! Today on MoneyWise, Kingdom Advisors President Rob West looks at several online debt reduction tools to help you make that plan.

Do you have multiple credit cards or loans you’re trying to pay off? How much extra, beyond the minimum payments, can you apply to those debts? And where should you apply it first? Ideally, debt reduction apps help you answer those questions and most will then give you an option of using the snowball method or the avalanche method.

Unbury.me(https://unbury.me/) is a free debt reduction tool offering a choice of the snowball vs. avalanche methods.

CNN Money’s debtcalculator(https://money.cnn.com/calculator/pf/debt-free/). This one has another nice feature where you enter a debt-free deadline. Based on that it’ll show you how much you have to pay on your various debts each month to meet your deadline.

Undebt.it(https://undebt.it/) is a debt tracking app with similar features as the others but will also show you how much your debt is costing you each month which can really motivate you to get your debts paid off.

Debt Payoff Assistant(https://itunes.apple.com/us/app/debt-payoff-assistant/id475099959?mt=8) is strictly a mobile app for iPhones and iPads. It’s free and you’ll find it the App Store. Debt Payoff Assistant works the same as the others but it allows you to design multiple payoff strategies with built-in calculators to stay motivated on your debt journey. It also has some nice graphic displays and pie charts.

Sometimes you need a real person to help guide you through the debt reduction process. Our trainedMoneyWise Coaches(https://moneywise.org/connect)can help you do that by setting up a budget and debt payoff plan. The only charge is for a workbook.

Finally, get help managing your debts atChristian Credit Counselors(https://www.christiancreditcounselors.org/)

On today’s program we also answer your questions:

My husband and I just received some money and wanted to hear what you think the best way to handle it is.

I was thinking about retiring. Can you recommend a good, long-term strategy?

I want to sell some gold! How do I report this on my taxes? Is there a special form?

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

Ask anyone whos done it and theyll tell you that digging their way out of debt was one of the hardest things they ever did. Fortunately, there are some tools to make the job easier. If youre struggling with credit card and loan debt, the first thing you need isnt more money, its a plan! Today on MoneyWise, Kingdom Advisors President Rob West looks at several online debt reduction tools to help you make that plan.

Do you have multiple credit cards or loans youre trying to pay off? How much extra, beyond the minimum payments, can you apply to those debts? And where should you apply it first? Ideally, debt reduction apps help you answer those questions and most will then give you an option of using the snowball method or the avalanche method.

Unbury.me(https://unbury.me/) is a free debt reduction tool offering a choice of the snowball vs. avalanche methods.

CNN Moneys debtcalculator(https://money.cnn.com/calculator/pf/debt-free/). This one has another nice feature where you enter a debt-free deadline. Based on that itll show you how much you have to pay on your various debts each month to meet your deadline.

Undebt.it(https://undebt.it/) is a debt tracking app with similar features as the others but will also show you how much your debt is costing you each month which can really motivate you to get your debts paid off.

Debt Payoff Assistant(https://itunes.apple.com/us/app/debt-payoff-assistant/id475099959?mt=8) is strictly a mobile app for iPhones and iPads. Its free and youll find it the App Store. Debt Payoff Assistant works the same as the others but it allows you to design multiple payoff strategies with built-in calculators to stay motivated on your debt journey. It also has some nice graphic displays and pie charts.

Sometimes you need a real person to help guide you through the debt reduction process. Our trainedMoneyWise Coaches(https://moneywise.org/connect)can help you do that by setting up a budget and debt payoff plan. The only charge is for a workbook.

Finally, get help managing your debts atChristian Credit Counselors(https://www.christiancreditcounselors.org/)

On todays program we also answer your questions:

My husband and I just received some money and wanted to hear what you think the best way to handle it is.

I was thinking about retiring. Can you recommend a good, long-term strategy?

I want to sell some gold! How do I report this on my taxes? Is there a special form?

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.

Could retirement plans get any more complicated? You’ve got your typical 401(k), or if you work in the nonprofit sector, a403(b). Then you’ve got your IRAs, traditional and Roth. But few realize there’s another alternativethe Roth 401(k). Should you put money in a conventional 401(k) or a Roth 401(k) if your employer offers it? Financial planner and teacher Rob West breaks it down for us.

According to the Plan Sponsors Council of America, 7 in 10 companies offer a Roth 401(k) option. But only 18% of workers with 401(k)s use it. A lot of financial advisors will tell you they’re missing an opportunity to stretch their retirement savings and gain tax flexibility.

If you’re considering a Roth IRA, the main things to think about for a Roth 401(k) are your income and age. Roths are better for people in lower income brackets now, like at the beginning of their careers.

For tax purposes, both are beneficial in different ways. But for younger folks, the Roth 401(k) is probably the better option. When you’re in a lower tax bracket, a tax deduction today isn’t as valuable to you as not having to pay taxes will be to you later. So go for the tax-free growth.

Another factor in favor of the Roth 401(k) is that tax rates are currently among the lowest they’ve ever been. They will most likely only go up, so it makes more sense to pay at today’s tax rate than gamble with a higher one, making a Roth a better option. The trade off is that you won’t get a tax break now.

The younger you are, the more likely your retirement income will actually be greater than your working income now. That’s not the case if your an older worker. You’re more likely to be toward the top of your income potential. And since most of us will have less income in retirement, it can be better for older workers to take the tax break now and fund their retirement plan with pre-tax money. That means a regular 401(k).

We always advise people to diversify their portfolios, following the biblical principle in Ecclesiastes 11:2,Give a portion to seven, or even to eight, for you know not what disaster may happen on earth.That doesn’t just pertain to how much you have in stocks versus bonds. You can also have tax diversification with some of your holdings in pre-tax accounts and some in after-tax accounts.

If you’re over 50, especially, you’ll want to put something in both baskets so that you have the flexibility to withdraw from both taxable and tax-free pools when you retire.

On today’s program we also answer your questions:

My wife recently passed away and I’m looking for a financial advisor who can give me honest advice whose priority is to help me instead of merely pushing their product. I simply want guidance on the best way to achieve the most benefit in my current situation. Do you have any advice for me?

Catch-up contributions for my 401(k)can you give me further instructions regarding what I can do with that?

I’ll be coming up on my ESOP diversification period at the end of next year. Should I diversify just enough shares to equal the amount up to $26,000?

What advice do you have regarding the paying off of multiple credit cards?

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

Could retirement plans get any more complicated? Youve got your typical 401(k), or if you work in the nonprofit sector, a403(b). Then youve got your IRAs, traditional and Roth. But few realize theres another alternativethe Roth 401(k). Should you put money in a conventional 401(k) or a Roth 401(k) if your employer offers it? Financial planner and teacher Rob West breaks it down for us.

According to the Plan Sponsors Council of America, 7 in 10 companies offer a Roth 401(k) option. But only 18% of workers with 401(k)s use it. A lot of financial advisors will tell you theyre missing an opportunity to stretch their retirement savings and gain tax flexibility.

If youre considering a Roth IRA, the main things to think about for a Roth 401(k) are your income and age. Roths are better for people in lower income brackets now, like at the beginning of their careers.

For tax purposes, both are beneficial in different ways. But for younger folks, the Roth 401(k) is probably the better option. When youre in a lower tax bracket, a tax deduction today isnt as valuable to you as not having to pay taxes will be to you later. So go for the tax-free growth.

Another factor in favor of the Roth 401(k) is that tax rates are currently among the lowest theyve ever been. They will most likely only go up, so it makes more sense to pay at todays tax rate than gamble with a higher one, making a Roth a better option. The trade off is that you wont get a tax break now.

The younger you are, the more likely your retirement income will actually be greater than your working income now. Thats not the case if your an older worker. Youre more likely to be toward the top of your income potential. And since most of us will have less income in retirement, it can be better for older workers to take the tax break now and fund their retirement plan with pre-tax money. That means a regular 401(k).

We always advise people to diversify their portfolios, following the biblical principle in Ecclesiastes 11:2,Give a portion to seven, or even to eight, for you know not what disaster may happen on earth.That doesnt just pertain to how much you have in stocks versus bonds. You can also have tax diversification with some of your holdings in pre-tax accounts and some in after-tax accounts.

If youre over 50, especially, youll want to put something in both baskets so that you have the flexibility to withdraw from both taxable and tax-free pools when you retire.

On todays program we also answer your questions:

My wife recently passed away and Im looking for a financial advisor who can give me honest advice whose priority is to help me instead of merely pushing their product. I simply want guidance on the best way to achieve the most benefit in my current situation. Do you have any advice for me?

Catch-up contributions for my 401(k)can you give me further instructions regarding what I can do with that?

Ill be coming up on my ESOP diversification period at the end of next year. Should I diversify just enough shares to equal the amount up to $26,000?

What advice do you have regarding the paying off of multiple credit cards?

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.

You’ve racked your brain to come up with ways to put something extra aside. However, nothing seems to work! No matter how hard you try there’s always just a little bit more month left over at the end of your money. So what about some money saving tricks that actually work? You know, more than reusing coffee filters or cutting dryer sheets in half. Financial planner and teacher Rob West has ways to save that are like money in the bank.

Number one is probably the biggest thing you can do to save money: get out of debt and stay there. Stop using credit cards unless you pay off the balance each month. Pay down what you owe. Use the snowball methodstart with the smallest debt and when that’s paid off, move onto the next, and so on. If you’re paying thousands of dollars a year in interest on credit cards, imagine what that could do in a retirement account instead, earningmoney for you!

Number two is essential. Automate your savings. Have part of your paycheck deposited automatically. First, build up your emergency fund. Next, when that’s fully funded, build up your retirement account. If you rely on yourself to do it manually it may not get done.

Number three is to put away part of pay raises or tax refunds you get. Actually, I’d say bank at least half of your raises and allof your tax refund.

Number four. Take care of yourself. Get and stay healthy. Eat right, exercise and get plenty of sleep. Watch your weight. Health care is expensive. No matter what kind of plan you have, the less health care you use the more you save. Studies show that if you’re overweight and out of shape, you tend to spend more on health care in your later years.

Number five is extremely effective. If you want to save more, then make more.Take a side job or put in extra hours at work. You could drive for Uber or Lyft. Rent out a room through AirBnB. If you work just 10 hours a week at $10/hour, it adds up to more than $5,000 a year.

Number six is tricky. Use a reward credit card. It goes without saying, but do this only if you always pay off your balance in full every month. Otherwise it makes no sense because interest charges will just gobble up any rewards you might accrue.

Number seven. Is your time worth a $100 or maybe $200 an hour? I think so. That’s what you can save by spending an hour or two each year on the phone with your insurance and credit card companies. Go over your insurance policy with your agent to make sure the coverage you’re paying for is still the coverage you need, especially if you have automatic renewal. The insurer could have added items you don’t need.

On today’s program we also answer your questions:

What do you think about Medicare supplements for my wife and me?

My husband is not willing to write our bills down in a checkbook. He uses the bank’s online site. He wants to take out another loan for credit score. But he and I don’t talk to each other about things. Please help.

I have an inherited IRA. I also have an $8,000 balance on a credit card. Should I use the IRA to pay off this debt?

It appears that my husband and I just lost 45% on financial investments. We’re in our 70s. What might have caused this and what should we do now?

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

Youve racked your brain to come up with ways to put something extra aside. However, nothing seems to work! No matter how hard you try theres always just a little bit more month left over at the end of your money. So what about some money saving tricks that actually work? You know, more than reusing coffee filters or cutting dryer sheets in half. Financial planner and teacher Rob West has ways to save that are like money in the bank.

Number one is probably the biggest thing you can do to save money: get out of debt and stay there. Stop using credit cards unless you pay off the balance each month. Pay down what you owe. Use the snowball methodstart with the smallest debt and when thats paid off, move onto the next, and so on. If youre paying thousands of dollars a year in interest on credit cards, imagine what that could do in a retirement account instead, earningmoney for you!

Number two is essential. Automate your savings. Have part of your paycheck deposited automatically. First, build up your emergency fund. Next, when thats fully funded, build up your retirement account. If you rely on yourself to do it manually it may not get done.

Number three is to put away part of pay raises or tax refunds you get. Actually, Id say bank at least half of your raises and allof your tax refund.

Number four. Take care of yourself. Get and stay healthy. Eat right, exercise and get plenty of sleep. Watch your weight. Health care is expensive. No matter what kind of plan you have, the less health care you use the more you save. Studies show that if youre overweight and out of shape, you tend to spend more on health care in your later years.

Number five is extremely effective. If you want to save more, then make more.Take a side job or put in extra hours at work. You could drive for Uber or Lyft. Rent out a room through AirBnB. If you work just 10 hours a week at $10/hour, it adds up to more than $5,000 a year.

Number six is tricky. Use a reward credit card. It goes without saying, but do this only if you always pay off your balance in full every month. Otherwise it makes no sense because interest charges will just gobble up any rewards you might accrue.

Number seven. Is your time worth a $100 or maybe $200 an hour? I think so. Thats what you can save by spending an hour or two each year on the phone with your insurance and credit card companies. Go over your insurance policy with your agent to make sure the coverage youre paying for is still the coverage you need, especially if you have automatic renewal. The insurer could have added items you dont need.

On todays program we also answer your questions:

What do you think about Medicare supplements for my wife and me?

My husband is not willing to write our bills down in a checkbook. He uses the banks online site. He wants to take out another loan for credit score. But he and I dont talk to each other about things. Please help.

I have an inherited IRA. I also have an $8,000 balance on a credit card. Should I use the IRA to pay off this debt?

It appears that my husband and I just lost 45% on financial investments. Were in our 70s. What might have caused this and what should we do now?

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.

Psychologists will tell you that people often fall victim to faulty thinking that goes something like this, It hasn’t happened, so it won’t. Put another way, It can’t happen to me.

The reality is, just because an event hasn’t occurred yet, in no way means it can’t. The coronavirus pandemic is a case in point. Today, host Rob West talks with Howard Dayton about preparing for the next crisis.Howard Dayton is the founder of Compass: Finances God’s Way and the original host of this program.

The Crisis Budget is more about planning for a financial disaster than reacting to it.

About 10 years ago, Compass developed what I call a Crisis Budget for individuals or married couples. The Crisis Budget is to be decided on before a crisis occurs be it a loss of job, serious health issue, you name it.

The objective of the Crisis Budget is to make decisions now about how you’re going to reduce your total spending that you’ll be in a better position to survive the crisis.

The advantages of doing the Crisis Budget now is that you’re not experiencing stress. You’re not under the pressure of making quick decisions on how to cut back. You and your spouse, if you’re married, can discuss this and decide the best steps to take should a crisis hit.

Developing a crisis budget well in advance of an event can reveal weaknesses in your financial picture

God’s word is clear that our future while on the earth is uncertain.Ecclesiastes11:2 says, For you do not know what misfortune may occur upon the earth.

James 4, verses 13 and 14 tell us, Now listen, you who say, Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.’ Why, you do not even know what will happen tomorrow.

Click here todownload the Compass Crisis Budgetworksheet.

On today’s program we also answer your questions:

I received a prepaid debit card in the mail as my stimulus check. Is this legit?

I have been laid off and my company is going to extend my insurance for three months. I have a HSA. Can I make a contribution for the whole year? Also, what should I do after the three months is up? 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 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

Psychologists will tell you that people often fall victim to faulty thinking that goes something like this, It hasnt happened, so it wont. Put another way, It cant happen to me.

The reality is, just because an event hasnt occurred yet, in no way means it cant. The coronavirus pandemic is a case in point. Today, host Rob West talks with Howard Dayton about preparing for the next crisis.Howard Dayton is the founder of Compass: Finances Gods Way and the original host of this program.

The Crisis Budget is more about planning for a financial disaster than reacting to it.

About 10 years ago, Compass developed what I call a Crisis Budget for individuals or married couples. The Crisis Budget is to be decided on before a crisis occurs be it a loss of job, serious health issue, you name it.

The objective of the Crisis Budget is to make decisions now about how youre going to reduce your total spending that youll be in a better position to survive the crisis.

The advantages of doing the Crisis Budget now is that youre not experiencing stress. Youre not under the pressure of making quick decisions on how to cut back. You and your spouse, if youre married, can discuss this and decide the best steps to take should a crisis hit.

Developing a crisis budget well in advance of an event can reveal weaknesses in your financial picture

Gods word is clear that our future while on the earth is uncertain.Ecclesiastes11:2 says, For you do not know what misfortune may occur upon the earth.

James 4, verses 13 and 14 tell us, Now listen, you who say, Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money. Why, you do not even know what will happen tomorrow.

Click here todownload the Compass Crisis Budgetworksheet.

On todays program we also answer your questions:

I received a prepaid debit card in the mail as my stimulus check. Is this legit?

I have been laid off and my company is going to extend my insurance for three months. I have a HSA. Can I make a contribution for the whole year? Also, what should I do after the three months is up? 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 and Follow us on Facebook atMoneyWise Mediafor 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.