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

Do you dream of financial independence? Of having enough to cover your bills and keep your creditors at bay? Of having money to cover emergencies and even building a nest egg for the future? Well, its time to stop dreaming. You can begin now to turn wishful thinking into reality and the good news is, its a lot easier than you think. Today, our host, Kingdom Advisors President Rob West, reveals the true secret to achieving financial independence.

The secret to financial independence is investing.

One in five Americans save or invest nothing at all. Another 20-percent save less than 5 percent of their income and another third save only six to 10 percent.

You can invest with very little or a lot. Start with something small.

A few good apps to start your investing journey: Acorns, Betterment, Stash, and RobinHood.

In todays show we also answer your questions:

I have some debt from medical expenses. What would be the best way to get rid of this? Should I consider debt consolidation?

What is the best way to get rid of a timeshare?

I just found out that I have a 0 credit score. Do you know where this could be coming from?

What is the difference between a home equity line of credit and a home equity loan?

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.

The year 2019saw tremendous gains in stocksportfolios are bulging with gains and there seems to be no end in sight to the decade-long bull market. But past performance is no guarantee of future results. So what should the prudent investor do in the uncertainty of this new year? Is recession just ahead? How will the presidential election affect the markets?

Today on MoneyWise, host Rob West gets the answers from investing expert Bob Doll. He’s the senior portfolio manager and the chief equity strategist at Nuveen Asset Management.

The first thing we see in 2020 is that the world avoids recession as U.S. GDP grows over 2% and global GDP grows over 3%. We don’t see indications that a recession is imminent.

We’ll see inflation and the 10-year U.S. Treasury yield ending the year above 2% as the Fed stays on hold through the presidential election.

Earnings will fall short of expectations this year. That will be driven to some extent by rising wage rates.

This year, stocks, bonds, and cash will all return less than 5% for only the fourth time in 25 years.

Financials, technology, and health care sectors will outperform utilities, real estate and consumer discretionary sectors in 2020.

Cold wars within the U.S. and between the U.S. and China continue.

The U.S. will conclude a tumultuous political year with a status quo election.

Read more about Bob Doll’s 2020 market predictions athttps://www.nuveen.com/bob-doll-weekly-commentary

In today’s show we also answer your questions:

Is it possible to refinance a home equity loan?

I need help with reliable transportation.What budget wisdom can you give?

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

The year 2019saw tremendous gains in stocksportfolios are bulging with gains and there seems to be no end in sight to the decade-long bull market. But past performance is no guarantee of future results. So what should the prudent investor do in the uncertainty of this new year? Is recession just ahead? How will the presidential election affect the markets?

Today on MoneyWise, host Rob West gets the answers from investing expert Bob Doll. Hes the senior portfolio manager and the chief equity strategist at Nuveen Asset Management.

The first thing we see in 2020 is that the world avoids recession as U.S. GDP grows over 2% and global GDP grows over 3%. We dont see indications that a recession is imminent.

Well see inflation and the 10-year U.S. Treasury yield ending the year above 2% as the Fed stays on hold through the presidential election.

Earnings will fall short of expectations this year. That will be driven to some extent by rising wage rates.

This year, stocks, bonds, and cash will all return less than 5% for only the fourth time in 25 years.

Financials, technology, and health care sectors will outperform utilities, real estate and consumer discretionary sectors in 2020.

Cold wars within the U.S. and between the U.S. and China continue.

The U.S. will conclude a tumultuous political year with a status quo election.

Read more about Bob Dolls 2020 market predictions athttps://www.nuveen.com/bob-doll-weekly-commentary

In todays show we also answer your questions:

Is it possible to refinance a home equity loan?

I need help with reliable transportation.What budget wisdom can you give?

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.

Martin Luther once said, I have held many things in my hands and I have lost them all.But whatever I have placed in God’s hands, that I still possess. This statement from Martin Luther is pretty insightful, but of course he was just restating what the Bible already tells us about ownership, stewardship and stuff. Today on MoneyWise, our host Rob West breaks down how we should view earthly possessions according to what the Bible has to say.

Luke 12 says that we shouldn’t worry about what we will eat, or drink, or wear, because the Father already knows of those needs and He will provide. Jesus says, seek His kingdom, and these things will be added to you. Do not be afraid for your Father has chosen gladly to give you the kingdom.

1 John 2: Do not love the world nor the things in the world. If anyone loves the world, the love of the Father is not in him.

Martin Luther was merely restating a profound biblical principle and declaring that when he applied it to his life, during which he was excommunicated and declared an outlaw by the church in Rome, it proved true.

In today’s show we also answer your questions:

How do you determine how aggressive you need to be with your investing for retirement?

I have an opportunity to sell my home. What should I do with the money if I’d like to invest it for my future?

How do you know when it is time to sell your home in order to make it easier financially in other areas of your life?

My wife has a coworker that is in a tough spot financially. What is the best way for us to help her?

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

Martin Luther once said, I have held many things in my hands and I have lost them all.But whatever I have placed in Gods hands, that I still possess. This statement from Martin Luther is pretty insightful, but of course he was just restating what the Bible already tells us about ownership, stewardship and stuff. Today on MoneyWise, our host Rob West breaks down how we should view earthly possessions according to what the Bible has to say.

Luke 12 says that we shouldnt worry about what we will eat, or drink, or wear, because the Father already knows of those needs and He will provide. Jesus says, seek His kingdom, and these things will be added to you. Do not be afraid for your Father has chosen gladly to give you the kingdom.

1 John 2: Do not love the world nor the things in the world. If anyone loves the world, the love of the Father is not in him.

Martin Luther was merely restating a profound biblical principle and declaring that when he applied it to his life, during which he was excommunicated and declared an outlaw by the church in Rome, it proved true.

In todays show we also answer your questions:

How do you determine how aggressive you need to be with your investing for retirement?

I have an opportunity to sell my home. What should I do with the money if Id like to invest it for my future?

How do you know when it is time to sell your home in order to make it easier financially in other areas of your life?

My wife has a coworker that is in a tough spot financially. What is the best way for us to help her?

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.

Folks who’ve learned to manage money wisely know there’s one absolute, non-negotiable requirement for achieving true financial freedom and it’s nothing more than knowing how to live within your means. It sounds so simple, yet for many, living at, or even below one’s means seems almost impossible. Today, Kingdom Advisors President Rob West has advice to help you spend less than you earn and it all starts in your head. Rob offers Biblical wisdom on how to change your thinking and change your behavior in order to live more within your means. He gives tips such as always making sure you have margin in your finances, asking for discounts and truly tracking your spending.In today’s show we also answer your questions:

Should I use money from my investments to pay off my student debt?

I just bought a pizza place with a business partner. We are struggling on deciding how to determine our own salaries. Do you have advice on this subject?

My son has a 12-year-old car that needs work. How do you determine if it is worth it to fix the car or just replace it?

To ask your questions, call (800) 525-7000 or email them [email protected]. Also, visit our website,moneywise.org,where 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!And remember that it’s your prayerful and financial support that keeps MoneyWise on the air. You can 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

Folks whove learned to manage money wisely know theres one absolute, non-negotiable requirement for achieving true financial freedom and its nothing more than knowing how to live within your means. It sounds so simple, yet for many, living at, or even below ones means seems almost impossible. Today, Kingdom Advisors President Rob West has advice to help you spend less than you earn and it all starts in your head. Rob offers Biblical wisdom on how to change your thinking and change your behavior in order to live more within your means. He gives tips such as always making sure you have margin in your finances, asking for discounts and truly tracking your spending.In todays show we also answer your questions:

Should I use money from my investments to pay off my student debt?

I just bought a pizza place with a business partner. We are struggling on deciding how to determine our own salaries. Do you have advice on this subject?

My son has a 12-year-old car that needs work. How do you determine if it is worth it to fix the car or just replace it?

To ask your questions, call (800) 525-7000 or email them [email protected]. Also, visit our website,moneywise.org,where 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!And remember that its your prayerful and financial support that keeps MoneyWise on the air. You can help us continue this outreach by clicking the Donate tab at the top of the page.

When the Pharisees challenged Jesus for engaging with sinners, He responded, It is not those who are well who need a physician, but those who are sick. I have not come to call the righteous, but sinners, to repentance.

How should Jesus’ words in Luke 5 guide us today, especially with how we manage our money? Host Rob West welcomes economist Jerry Bowyer for his take on how believers should follow Christ into the marketplace.

We’re talking about engaging, maybe even confronting, unrighteousness in the marketplace as opposed to simply avoiding it.

Christians are genuinely concerned about investing in things that derive income in unrighteous ways, the term sin stocks is often used in that regard. It’s natural to want no part of it, but we make the case that Jesus might have had a different approach: proclamation as opposed to avoidance.

Jesus didn’t have a problem with the marketplace, He had a problem with corruption and abuse of others. Use your money for a righteous end.

It’s not how the money was made before you got it, it’s what you do with it once you have it. So it’s whatyoudo that matters, not what the person who had the dollar before you did.

Find Jerry Bowyer’s article,A Biblical Approach to Engaging with Corporations athttps://finance.townhall.com/columnists/jerrybowyer/2019/08/19/a-biblical-approach-to-engaging-with-corporations-n2551879

In today’s show we also answer your questions:

I have a good deal of money to invest. What advice do you have? I do have a son with special needs so any specific advice will help.

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

When the Pharisees challenged Jesus for engaging with sinners, He responded, It is not those who are well who need a physician, but those who are sick. I have not come to call the righteous, but sinners, to repentance.

How should Jesus words in Luke 5 guide us today, especially with how we manage our money? Host Rob West welcomes economist Jerry Bowyer for his take on how believers should follow Christ into the marketplace.

Were talking about engaging, maybe even confronting, unrighteousness in the marketplace as opposed to simply avoiding it.

Christians are genuinely concerned about investing in things that derive income in unrighteous ways, the term sin stocks is often used in that regard. Its natural to want no part of it, but we make the case that Jesus might have had a different approach: proclamation as opposed to avoidance.

Jesus didnt have a problem with the marketplace, He had a problem with corruption and abuse of others. Use your money for a righteous end.

Its not how the money was made before you got it, its what you do with it once you have it. So its whatyoudo that matters, not what the person who had the dollar before you did.

Find Jerry Bowyers article,A Biblical Approach to Engaging with Corporations athttps://finance.townhall.com/columnists/jerrybowyer/2019/08/19/a-biblical-approach-to-engaging-with-corporations-n2551879

In todays show we also answer your questions:

I have a good deal of money to invest. What advice do you have? I do have a son with special needs so any specific advice will help.

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.

It’s a subject not many of us like to think about: how will our final days play out and what happens to our earthly possessions when we’ve gone home to the Lord? Estate planning answers some of those questions but not all of them. Wills and trusts are important components of estate planning but only go so far. Today on MoneyWise, financial planner and teacher Rob West explains why you also need a health care directive.

This term may be relatively new but the concept is not. A health care directive is also called a living will, medical directive, or a durable health care power of attorney (although sometimes the medical power of attorney is a separate document).

A health care directive is a legal document that spells out the individual’s wishes for care during illness and especially during the unfortunate event of dementia. It also specifies end of life decisions. The purpose is to give guidance if the individual can no longer communicate with caregivers and family. Ultimately, it can provide instructions on how the body should be handled after death.

Only about 1 out of 3 of us have drawn up a health care directive. It’s not an expensive process and most state attorney general web sites offer a legal form you can use.

To start, the first thing you need to do is choose your agent. This person is often a family member but doesn’t have to be. The agent will act on your behalf, making decisions according to your wishes if you can’t act yourself.

Specify your wishes for end-of-life treatment and what should happen with your body afterwards. You then need to go over this in detail with your chosen agent. This is your chance to explain your decisions should the agent need to step in and advocate on your behalf.

In today’s show we also answer your questions:

I have about $45,000 in credit card debt and have a low income. I live paycheck to paycheck. Should I do debt management or bankruptcy?

What advice do you have to help fund my family and to get on a budget? I’ve made a lot of very bad financial decisions in my past.

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