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

One out of four retirees receives up to 90% of their income from Social Security. Thieves know this and invent devious ways to steal it! On todaysMoneyWiseprogram, Kingdom Advisors president Rob West with host Steve Moore warn about how easily robocalls deceive many. They also provide help on what to do if youve been a victim.

In this episode we also answer your questions:

I have an enormous amount of debt and just lost my job. What are my options to get my life under control?

We purchased several thousand dollars worth of savings bonds for our son for college; hes already a sophomore in college. However, the bonds arent maturing enough. Where can I go to find out about the bonds values and rates?

As a result of a divorce degree, Im required to take out tens of thousands of dollars from my IRA to give to my ex-spouse. While Im waiting for this required transfer to occur, should I move to a more conservative posture with my investments?

Im going to sell a second home Ive owned. Whats the best way to invest that money from the sale?

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.

We’ve all heard those commercials for mortgage refinancing and home equity lines of credit. Most of them say that the money’s yours and that you can use it any way you want. The problem is, that’s not really true at all. The fact is, whenever you borrow, the money isn’t yours. You’re just renting it at a price. Today on MoneyWise Rob West and Steve Moore tell us what the Bible really says about borrowing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I have whole life insurance policy that has some cash value. I’m thinking of converting that over to something that I can use in retirement. What’s the best approach?

-My company has offered a pension buyout. What should I do with the money once I receive it?

-I just retired and my 401k needs to be rolled out into an IRA. How do I determine what’s the best way to do that?

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

Weve all heard those commercials for mortgage refinancing and home equity lines of credit. Most of them say that the moneys yours and that you can use it any way you want. The problem is, thats not really true at all. The fact is, whenever you borrow, the money isnt yours. Youre just renting it at a price. Today on MoneyWise Rob West and Steve Moore tell us what the Bible really says about borrowing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I have whole life insurance policy that has some cash value. Im thinking of converting that over to something that I can use in retirement. Whats the best approach?

-My company has offered a pension buyout. What should I do with the money once I receive it?

-I just retired and my 401k needs to be rolled out into an IRA. How do I determine whats the best way to do that?

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.

Today on MoneyWise, Steve Moore and Rob West discusses what happens to credit card debt when a loved one passes away. Rob offers wisdom on what families need to know and what to do if this happens.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My wife and I are in our 50s and have little in savings and nothing saved for retirement. What are our best options at this point?

-What is your opinion on Bitcoin?

-My husband and I have real estate. This is kind of our way of investing. We are in our 60s and are looking towards retirement. What is the best way to get everything paid off before we retire?

-Should we pay off student loans before our mortgage?

-What do I do with my TSP before I retire?

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

Today on MoneyWise, Steve Moore and Rob West discusses what happens to credit card debt when a loved one passes away. Rob offers wisdom on what families need to know and what to do if this happens.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My wife and I are in our 50s and have little in savings and nothing saved for retirement. What are our best options at this point?

-What is your opinion on Bitcoin?

-My husband and I have real estate. This is kind of our way of investing. We are in our 60s and are looking towards retirement. What is the best way to get everything paid off before we retire?

-Should we pay off student loans before our mortgage?

-What do I do with my TSP before I retire?

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.

You've gone over your budget until your eyes glaze over. You've tried your best but the numbers still won't work. Well, if you can't cut any more expenses, you have to increase your income, and Rob West and Steve Moore suggest ways to do just that.

Ten suggestions and related websites that Rob and Steve mention include:

- Moving your savings to an online bank that pays higher rates than your brick and mortar bank

- Online Surveys: SurveyJunkie.com, SwagBucks.com, Vindale.com

- Renting out a room or your entire home on AirBnB.com

- Earning cash back on retail purchases such as groceries through Ibotta.com

- Earning cash back for online purchases through eBates.com, ShopAtHome.com, CouponCactus.com

- Driving for Uber.com or Lyft.com

- Designing and selling T-Shirts through TeeSpring.com

- Selling old textbooks at BookScouter.com

- Becoming a Thrift Shop Flipper: Buy undervalued items and resell them on Ebay, etc.

- Asking your boss for a raise

Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- If your employer recently started offering a Roth 401(k), can you move the money from your current 401(k) into the Roth?

- What are the advantages and disadvantages of starting a non-profit organization?

- If your credit card company gives you a rebate at the end of the year, is that a good reason to continue using it?

- If you recently inherited a Roth IRA from your dad, does a Roth grow tax-free for someone who inherits it?

- If you're 62 andmade poor financial decisions early in life, is it too late to start saving for retirement?

- If your kids are beginning to leave for college and you've realizedthey need to build credit, how can they do it without credit cards?

Be sure to check out our recently updated 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

You've gone over your budget until your eyes glaze over. You've tried your best but the numbers still won't work. Well, if you can't cut any more expenses, you have to increase your income, and Rob West and Steve Moore suggest ways to do just that.

Ten suggestions and related websites that Rob and Steve mention include:

- Moving your savings to an online bank that pays higher rates than your brick and mortar bank

- Online Surveys: SurveyJunkie.com, SwagBucks.com, Vindale.com

- Renting out a room or your entire home on AirBnB.com

- Earning cash back on retail purchases such as groceries through Ibotta.com

- Earning cash back for online purchases through eBates.com, ShopAtHome.com, CouponCactus.com

- Driving for Uber.com or Lyft.com

- Designing and selling T-Shirts through TeeSpring.com

- Selling old textbooks at BookScouter.com

- Becoming a Thrift Shop Flipper: Buy undervalued items and resell them on Ebay, etc.

- Asking your boss for a raise

Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- If your employer recently started offering a Roth 401(k), can you move the money from your current 401(k) into the Roth?

- What are the advantages and disadvantages of starting a non-profit organization?

- If your credit card company gives you a rebate at the end of the year, is that a good reason to continue using it?

- If you recently inherited a Roth IRA from your dad, does a Roth grow tax-free for someone who inherits it?

- If you're 62 andmade poor financial decisions early in life, is it too late to start saving for retirement?

- If your kids are beginning to leave for college and you've realizedthey need to build credit, how can they do it without credit cards?

Be sure to check out our recently updated 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.

Today on MoneyWise, Steve Moore and Rob West being the boss of your finances. They discuss the importance of being in control of your money and the best ways to do just that.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-How do you know when it is appropriate to refinance?

-My husband and I have some debt to pay off credit cards, student debt, mortgage, and car loans. What is the best way to prioritize paying it off?

-Should I take out a loan to consolidate debt and mortgage?

-What is the best kind of account to set up to save money for our grandson?

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

Today on MoneyWise, Steve Moore and Rob West being the boss of your finances. They discuss the importance of being in control of your money and the best ways to do just that.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-How do you know when it is appropriate to refinance?

-My husband and I have some debt to pay off credit cards, student debt, mortgage, and car loans. What is the best way to prioritize paying it off?

-Should I take out a loan to consolidate debt and mortgage?

-What is the best kind of account to set up to save money for our grandson?

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.

Psalm 40 reveals the joy we experience when we hear and answer the Lord’s calling. After all, we were created for good works that glorify God. Your work indeed glorifies God, and He wants you to be fulfilled. But how can you hear His calling?Today on Moneywise, Rob West and Steve Moore talk to Brian Ray, co-founder of Crossroads Career Services about some very specific ways you can do that. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-Last year I called in about debt relief, and you gave me some good advice. I’ve made some good progress since then. Thank you!

- My son is in his second year of college. We make too much for FAFSA, so we’re considering taking out a home equity loan. What do you think?

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