Whom do you trust? Your spouse? Your friends? Your employer? Our currency is inscribed with the words, In God We Trust, but do we?When it comes to trusting in something or someone, are we willing to put it to the test? Today on MoneyWise, we’ll be putting Biblical principles to the test when it comes to how we manage our money. Our host is financial expert and teacher, Rob West, the president of Kingdom Advisors.

This topic is the heart of our salvation.When you first hear about Jesus, you first have to believe in the person of Jesus.You believe he actually existed and that He was actually a historical person. Next, you come to understand and believe t hat he was and is the Son of God.But that’s still head knowledge.Scripture reminds us that thedemonsbelieve in Jesus and tremble.

Most people expect a paycheck from their employer and then do their best to live within their means. They may say they’re trusting in God, but as long as the paycheck comes in every week or month, in truth, they may actually be trusting in their paycheck.

We need to reach a point where we not only understand that everything we need will be provided for us, but that we trust that everything we need will be provided, and that we be willing to tough it out and do without when necessary.

Where is your hope? 1 Timothy 6:17 says, Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.

If you’re not certain where your trust falls, ask yourself this question: Would you give away the last dime or dollar you have to help a friend in need even if it means you have to do without real needs? That’s real sacrificial giving. And God may not instantly replenish your bank account.In fact, you may not get any more money until your next payday.

On today’s program we also answer your questions:

I have 20 years left on my mortgage. Should I refinance at a lower rate and knock off 5 years from my payments?

My wife and I are upper middle age and I just retired. But we just bought a house in Florida. Should we use our savings and 401(k) to pay it off?

Where’s a really good place to put my LLC’s business savings to gain the best financial benefit?

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

Whom do you trust? Your spouse? Your friends? Your employer? Our currency is inscribed with the words, In God We Trust, but do we?When it comes to trusting in something or someone, are we willing to put it to the test? Today on MoneyWise, well be putting Biblical principles to the test when it comes to how we manage our money. Our host is financial expert and teacher, Rob West, the president of Kingdom Advisors.

This topic is the heart of our salvation.When you first hear about Jesus, you first have to believe in the person of Jesus.You believe he actually existed and that He was actually a historical person. Next, you come to understand and believe t hat he was and is the Son of God.But thats still head knowledge.Scripture reminds us that thedemonsbelieve in Jesus and tremble.

Most people expect a paycheck from their employer and then do their best to live within their means. They may say theyre trusting in God, but as long as the paycheck comes in every week or month, in truth, they may actually be trusting in their paycheck.

We need to reach a point where we not only understand that everything we need will be provided for us, but that we trust that everything we need will be provided, and that we be willing to tough it out and do without when necessary.

Where is your hope? 1 Timothy 6:17 says, Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.

If youre not certain where your trust falls, ask yourself this question: Would you give away the last dime or dollar you have to help a friend in need even if it means you have to do without real needs? Thats real sacrificial giving. And God may not instantly replenish your bank account.In fact, you may not get any more money until your next payday.

On todays program we also answer your questions:

I have 20 years left on my mortgage. Should I refinance at a lower rate and knock off 5 years from my payments?

My wife and I are upper middle age and I just retired. But we just bought a house in Florida. Should we use our savings and 401(k) to pay it off?

Wheres a really good place to put my LLCs business savings to gain the best financial benefit?

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.

When things are uncertain, how do you feel? Where do you turn and whom do you trust? Today on Money Wise, Rob West and Steve Moore discuss the importance of putting your hope and faith in our Lord. Next, Rob and Steve answer your questions at (800) 525-7000 and [email protected] about the following:

-My fianc and I are getting married next year. He has 30k in debt and we want to start off on the right foot. Advice?

-I have an insurance policy that I took out a loan on. Should I start paying that back or putting my money somewhere else?

-Do I still need to tithe if all of my money goes toward paying my bills?

-What financial bible study would you suggest for a young couple?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click 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

When things are uncertain, how do you feel? Where do you turn and whom do you trust? Today on Money Wise, Rob West and Steve Moore discuss the importance of putting your hope and faith in our Lord. Next, Rob and Steve answer your questions at (800) 525-7000 and [email protected] about the following:

-My fianc and I are getting married next year. He has 30k in debt and we want to start off on the right foot. Advice?

-I have an insurance policy that I took out a loan on. Should I start paying that back or putting my money somewhere else?

-Do I still need to tithe if all of my money goes toward paying my bills?

-What financial bible study would you suggest for a young couple?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

It’s often said in jest that nothing in life is certain but death and taxes. It’s a funny line though hardly true! Something else in life is certain, every month you’ll shell out quite a bit of money for utilities. We usually think of utilities as fixed expenses. But when you realize what you’re paying for them you might begin to question how fixed they really are. Kingdom Advisors President Rob West has some numbers.

When you add up the cost of electricity, gas, water, Internet and cable, the average monthly cost is $400. But when you multiply it by 12 to get the annual cost, it’s much morearound $4,800. This will vary depending on where you live and all kinds of other factors.

Install a smart thermostat to regulate your home’s temperature. Also, begin replacing light bulbs with ones that are more energy-efficient. They cost more but pay for themselves over time.And if your water heater is more than 10 years old, replace it with a higher-efficiency model.

Anything else you can do to reduce water usage will help lower your costs. Do you leave the water running when you brush your teeth? If so, you’re wasting about four gallons of water. That means a family of four brushing twice a day would waste almost 1,000 gallons a month! The average shower lasts 8 minutes using about 17 gallons of water. The average family of four will use more than 2,000 gallons a month. Shaving just one minute from the average shower could save about 100 gallons a month.

Mobile phones. Plans may cost around $120 a month. A typical family of four could pay up to twice that, $240 a month! To cut the cost of your cell phone, stay on top of each mobile carrier’s promotions; they tend to change often and you can take advantage of introductory rates.

On today’s program we also answer your questions:

We have a 21-year-old son who’s been out on his own for a couple of years. He’s made a couple of mistakes but now wants to manage money God’s way. What resources can you recommend?

Do you recommend credit repair companies?

Can Social Security ever be garnished?

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

Its often said in jest that nothing in life is certain but death and taxes. Its a funny line though hardly true! Something else in life is certain, every month youll shell out quite a bit of money for utilities. We usually think of utilities as fixed expenses. But when you realize what youre paying for them you might begin to question how fixed they really are. Kingdom Advisors President Rob West has some numbers.

When you add up the cost of electricity, gas, water, Internet and cable, the average monthly cost is $400. But when you multiply it by 12 to get the annual cost, its much morearound $4,800. This will vary depending on where you live and all kinds of other factors.

Install a smart thermostat to regulate your homes temperature. Also, begin replacing light bulbs with ones that are more energy-efficient. They cost more but pay for themselves over time.And if your water heater is more than 10 years old, replace it with a higher-efficiency model.

Anything else you can do to reduce water usage will help lower your costs. Do you leave the water running when you brush your teeth? If so, youre wasting about four gallons of water. That means a family of four brushing twice a day would waste almost 1,000 gallons a month! The average shower lasts 8 minutes using about 17 gallons of water. The average family of four will use more than 2,000 gallons a month. Shaving just one minute from the average shower could save about 100 gallons a month.

Mobile phones. Plans may cost around $120 a month. A typical family of four could pay up to twice that, $240 a month! To cut the cost of your cell phone, stay on top of each mobile carriers promotions; they tend to change often and you can take advantage of introductory rates.

On todays program we also answer your questions:

We have a 21-year-old son whos been out on his own for a couple of years. Hes made a couple of mistakes but now wants to manage money Gods way. What resources can you recommend?

Do you recommend credit repair companies?

Can Social Security ever be garnished?

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.

"Therefore if you have not been faithful in the use of unrighteous wealth, who will entrust the true riches to you? Today on MoneyWise we welcome Howard Dayton, founder ofCompass Finances God’s Way.He discusses how the handling of our money affects our relationship with the Father.

When we live in obedience with God, we get closer to Him. When we become people who give, our generosity and honesty increase. And what we treasure the most is proof of where our hearts truly lie.

In this episode we also answer the questions:

What’s the difference between 403(b) and 401(k) long-term investing plans?

What is per diem,’ should I take advantage of it, and how does it work with my taxes?

Visit our new websitemoneywise.org. There you can connect with a MoneyWise Coach, purchase books, and even download free helpful resources. And Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!

But it is your prayerful and financial support that helps keep MoneyWise on the air. To help us continue, please go to the website and click the Donate tab at the top of the page.

To askyourquestions, call (800) 525-7000 or email them [email protected].

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

"Therefore if you have not been faithful in the use of unrighteous wealth, who will entrust the true riches to you? Today on MoneyWise we welcome Howard Dayton, founder ofCompass Finances Gods Way.He discusses how the handling of our money affects our relationship with the Father.

When we live in obedience with God, we get closer to Him. When we become people who give, our generosity and honesty increase. And what we treasure the most is proof of where our hearts truly lie.

In this episode we also answer the questions:

Whats the difference between 403(b) and 401(k) long-term investing plans?

What is per diem, should I take advantage of it, and how does it work with my taxes?

Visit our new websitemoneywise.org. There you can connect with a MoneyWise Coach, purchase books, and even download free helpful resources. And Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!

But it is your prayerful and financial support that helps keep MoneyWise on the air. To help us continue, please go to the website and click the Donate tab at the top of the page.

To askyourquestions, call (800) 525-7000 or email them [email protected].

Insurance is something you never hope to use, but it does give peace of mind just knowing you have it. So when it comes to insurance, more is better, right? Well, not really. Trouble is, its easy to have too much or too little. If you follow some simple rules you can get the coverage you need. Today on MoneyWise Rob West and Steve Moore have insurance rules to live by. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I’m going to be changing jobs soon. I’ve been contributing to my company’s retirement plan. How do I take that money with me to the new job?

-I’m on a fixed income. I had to put $6,000 worth of car repairs on my credit cards, and now I’m struggling to pay it back. Should I refinance my house to pay off the cards?

-Can you help me understand the formula that Social Security uses to determine my Social Security payment?

-My employer cut my hours, and now my income is about of what it used to be. I have been funding our life with my credit cards. I’m overwhelmed. What can I do next?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click 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

Insurance is something you never hope to use, but it does give peace of mind just knowing you have it. So when it comes to insurance, more is better, right? Well, not really. Trouble is, its easy to have too much or too little. If you follow some simple rules you can get the coverage you need. Today on MoneyWise Rob West and Steve Moore have insurance rules to live by. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-Im going to be changing jobs soon. Ive been contributing to my companys retirement plan. How do I take that money with me to the new job?

-Im on a fixed income. I had to put $6,000 worth of car repairs on my credit cards, and now Im struggling to pay it back. Should I refinance my house to pay off the cards?

-Can you help me understand the formula that Social Security uses to determine my Social Security payment?

-My employer cut my hours, and now my income is about of what it used to be. I have been funding our life with my credit cards. Im overwhelmed. What can I do next?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.