Earlier this year, FaithFi had the opportunity to sit down with Tim Tebow—Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation. But this wasn’t a conversation about championships or accolades. 

Instead, it focused on the moments that most people would rather forget—the painful setbacks that God can use to shape something far greater than we could ever have imagined.

Tim Tebow is a Heisman Trophy winner, former NFL quarterback, and founder of the Tim Tebow Foundation, a nonprofit organization dedicated to serving vulnerable children and individuals with disabilities through initiatives such as Night to Shine, orphan care, medical outreach, anti-human trafficking efforts, and support for children with profound medical needs.

One of those moments came during the 2008 college football season, when the University of Florida suffered an unexpected loss to Ole Miss. It’s a game many fans remember, but for Tebow, it was deeply personal.

As the team’s quarterback and leader, he took responsibility—not just for the plays on the field, but for the team’s mindset, culture, and lack of focus. “We thought we had it in the bag,” he recalled. But after falling behind and ultimately missing a critical extra point, the Gators were handed a humbling defeat.

That moment set the stage for what became one of the most iconic press conferences in college football history—Tebow’s passionate promise that the team would never be outworked again. What few saw, however, was the deeper soul-searching that happened behind the scenes. It was a moment of internal reckoning and spiritual clarity.

A more recent setback came in 2021, when Tebow signed with the Jacksonville Jaguars and was released after just one preseason game. “I knew all the right truths,” he said, “but I wasn’t fully living them out. My ego was wrapped up in it.”

Shortly afterward, news broke of the U.S. military’s withdrawal from Afghanistan, triggering a humanitarian crisis. As the situation unfolded, the Tim Tebow Foundation mobilized to respond. Tim flew to the Middle East, where he spent time serving in a refugee camp amidst chaos and suffering.

Looking back, he sees God’s timing clearly. “If I hadn’t been cut, I wouldn’t have been there. I wouldn’t have been free to do what I was really called to do—care for the most vulnerable.” What looked like a professional failure turned out to be a divine redirection.

The heart behind the Tim Tebow Foundation was planted years earlier, when a 15-year-old Tim met a boy in the jungles of the Philippines. The boy had been born with his feet on backwards and was viewed by many as cursed or disposable.

“I knew God didn’t see him that way,” Tim said. “But I also felt like God was asking me, ‘If you know this boy matters to Me, what are you going to do about it?’”

That moment became the driving force behind the foundation’s mission: to bring faith, hope, and love to those in need of a brighter day in their darkest hour. Today, that mission plays out through global efforts in orphan care, anti-human trafficking, medical outreach, and Night to Shine—a worldwide prom event celebrating individuals with special needs.

Tebow also offered a powerful challenge: What are we really chasing—success or significance?

“Success is about us. Significance is about others. But in God’s economy, He allows us to turn our success—our platform, influence, and resources—into something that matters eternally.”

He referenced Proverbs 29:2: “When the righteous flourish, the people rejoice.” The question becomes, are our achievements causing others to rejoice, or are they only benefiting ourselves?

This mindset starts with a proper view of ownership. “If we believe what we have is ours, we’ll hold it tightly. But if we believe it’s God’s, we’ll live open-handed. We’re stewards, not owners.”

And when it comes to investing, Tebow offered a new take on ROI: “What if ROI didn’t just mean ‘return on investment,’ but ‘rescuing of image-bearers’? Spiritually, emotionally, eternally—investing in people who matter to God.”

To anyone in the middle of a setback, Tebow pointed to a deep truth rooted in Scripture: “Do you really believe that God works all things together for good?” (Romans 8:28). Even this heartbreak? Even this moment?

He reminded listeners that God is near to the brokenhearted (Psalm 34:18), and when we can’t understand His plan, we can still trust His heart—because His love has already been proven at the cross.

• My husband and I own a condo that we’re planning to move out of soon. We’re considering two options: renting it out or selling it, which could bring in around $100,000 in profit. Would it be wiser to sell and invest the proceeds or hold onto it as a rental property?
• My wife has a beneficiary IRA worth approximately $108,000, and she has been required to take distributions from it. I’m trying to understand how a beneficiary IRA differs from a traditional IRA, especially when it comes to how it’s managed. Also, she’s turning 62 in November—does that milestone change anything about how we should approach this account?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Tim Tebow Foundation
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

When it comes to money, most people are searching for two things: security and peace of mind. That’s understandable—life is unpredictable, expenses arise, and markets swing. But what if true peace isn’t found in your circumstances at all?

Financial wisdom doesn’t start with a budget or a savings plan. It begins with trust—specifically, trusting in the Lord. Proverbs 3:5–6 reminds us, “Trust in the Lord with all your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make straight your paths.”

If you chase peace through your paycheck or portfolio, you’ll always come up short. But when Christ is your foundation, you begin to see money in a new light—not as a source of peace, but as a tool to steward.

1. Know Who Owns It All. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” Everything belongs to God—your income, your retirement, even your ability to earn. That means we’re not owners; we’re stewards, entrusted with God’s resources to manage faithfully.

2. Spend With Purpose. Jesus asks in Luke 16:11, “If you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” Spending should reflect God’s priorities—giving, saving, living within your means, and investing in eternal impact.

3. Avoid the Slavery of Debt. Proverbs 22:7 warns, “The borrower is slave to the lender.” Debt can limit your freedom to give and respond to God’s calling. Wise stewards build margin and pursue freedom—not because debt is always wrong, but because freedom is better.

4. Save With Perspective. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Saving isn’t about hoarding; it’s preparation for what God might have ahead. But remember: your security isn’t in your savings—it’s in the Savior.

5. Give First, and Freely. 2 Corinthians 9:7 tells us, “God loves a cheerful giver.” Generosity reflects God’s heart. It breaks the grip of greed and aligns us with His Kingdom. When we give, we declare, “God, I trust You more than I trust this money.”

Following these biblical principles won’t guarantee worldly success. Even the most faithful stewards face trials. But when your foundation is Christ, you’re anchored. Isaiah 33:6 says, “He will be the sure foundation for your times, a rich store of salvation and wisdom and knowledge.”

So if you’re looking for security or peace, don’t start with a spreadsheet—start with surrender. Financial wisdom begins when you recognize that your Provider is also your Redeemer. And in Him, you have more than enough.

• My deceased friend’s estate is in probate, and he owned an LLC registered in another state. I’ve been told that if a new manager isn’t appointed, the LLC will be considered closed after 90 days. Once my friend’s family receives the letters of instruction, how should they go about settling or managing the LLC?
• I'm struggling financially and can't make this month’s mortgage payment. My lender has offered two options: a repayment plan and a forbearance. What’s the difference between them, and how will each option affect my credit score?
• My husband is switching jobs, and his current 401(k) has a balance of less than $500. His new employer doesn’t offer a retirement plan. What are our best options for what to do with this small amount?
• My son is thinking about filing for bankruptcy, but still hopes to buy a house sometime in the future. How will bankruptcy impact his credit, and realistically, how long will it take for him to be able to qualify for a mortgage again?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark Biller
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Do you work to live…or live to work? For many, the answer is simple: “I work to make a living.”

But what if there’s more to work than just earning a paycheck? Could it be that work holds deeper meaning—something essential to who we are and how we’re made? David Bahnsen joins us today to offer a perspective on work you might not have considered.

David Bahnsen is the Founder, Managing Partner, and Chief Investment Officer of The Bahnsen Group, a national private wealth management firm managing over $7 billion in client assets. He is a frequent guest on CNBC, Bloomberg, Fox News, and Fox Business. He is also the author of Full Time: Work and the Meaning of Life. 

We live in a world that often tells us our identity has nothing to do with our work. Unfortunately, that idea has not only crept into culture but also into the church. But let's be honest: that’s simply not true. Our identity is tied to our work—not in the sense that a job title defines us, but because we are made in the image of a working God.

We all instinctively know this. We don’t look at someone who is contributing meaningfully to society and compare them equally to someone who spends every day in idleness. That’s not about transactional worth—it’s about reflecting the nature of our Creator. God created us to be productive, useful, and active. That’s not a controversial claim. It’s Genesis 1. Work isn’t all of who we are, but it is a vital part of who we were created to be.

Too often, we treat faith like an add-on. We make decisions about money, career, education, even family, and then sprinkle a few Bible verses on top. But the goal isn’t to balance faith and work—it’s to integrate them. That begins by grounding our understanding of work in a creational theology: God made work good.

What we need in the church is not more dichotomy between sacred and secular, but an integrated vision that sees every good job—yes, even spreadsheets, sales, and software—as part of God’s design. This mindset shift must begin in our pulpits. Our congregations need to hear that their Monday through Friday labor is not second-tier spiritual activity. It is sacred.

Instead of chasing a “work-life balance,” Scripture offers a “work-rest paradigm.” God modeled six days of work followed by one day of rest—not the other way around. The purpose of rest isn’t to escape work; it's to be restored for more of it. Rest has meaning because work has meaning.

That’s why we push back on the cultural narrative that says rest, leisure, and early retirement are life’s ultimate goals. While rest is essential, its purpose is to equip us to return to the good, God-glorifying work He’s called us to do.

Culture often treats retirement as the finish line—an end to productivity, as if people cease to offer value once they reach a certain age. But that view is deeply flawed.

We must challenge the financial industry’s narrative that the goal is to accumulate enough so that we never have to work again. That mindset undermines the dignity and purpose of work. Yes, physical limitations may alter what work looks like in later years, but wisdom, experience, and the capacity to contribute remain. Companies and churches alike lose something precious when they usher older workers out instead of tapping into their gifts.

So, how should we think about our work? Is it just a job? A stepping stone? Or something more?

Every Christian, no matter their vocation, should view their work as a calling. That doesn’t mean God gives us a divine word about every job transition, but it does mean that the act of producing goods and services, solving problems, and serving others is inherently meaningful. That’s our calling: to work with excellence, for the good of others, and the glory of God.

To young adults wondering what to do with their lives: Don’t believe the lie that you need to find your dream job tomorrow. Instead, embrace the next opportunity in front of you with excellence, humility, and a long-term view.

Work is not just a means to a paycheck. It’s how we serve our neighbors, develop skills, build character, and participate in God’s ongoing work in the world. Some jobs may be stepping stones—but every job matters. The key is to remember the why behind your work: it’s about loving God and loving others.

Here’s the truth: work isn’t something we do just to meet our needs. It’s something we do because God made us to work. He worked in creation, and He continues to work in redemption. When we work, we join Him in that sacred task—creating, restoring, cultivating, and contributing to human flourishing.

Our work builds families, economies, culture—and yes, even the Kingdom of God.

• I recently retired and now work part-time delivering food for a restaurant using my personal vehicle. Am I allowed to deduct mileage, gas, or other vehicle expenses when I file my income taxes?
• My son is having a hard time covering his business expenses and has turned to several payday loans just to stay afloat. I’m looking for advice on how he can get sound financial guidance—or if there’s a way he can consolidate that debt and get back on track.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Full-Time: Work and the Meaning of Life by David L. Bahnsen
• Christian Credit Counselors
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

How do you live a life that truly flourishes—not just financially, but in every area God cares about?

Today, we’re talking about how to live with purpose, peace, and wisdom by following God’s design for life. Ron Blue joins us to unpack biblical principles that lead to flourishing, not through formulas, but through faithfulness.

Ron Blue is the co-founder of Kingdom Advisors and the author of numerous books on biblical finance, most notably "Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment."

As followers of Christ, we’re not simply aiming for a better life—we’re called to a different one. A life that flourishes isn’t measured by worldly success, but by alignment with God’s design. When we understand that, everything changes.

The life God created for each of us is unique. When we live according to His wisdom, we flourish—not because we have more, but because we are living as He intended. Flourishing means experiencing contentment that doesn’t depend on circumstances. We don’t need money to be content. We don’t need approval to feel secure. Why? Because we are fully loved by the God who promises never to leave us or forsake us.

If we want to flourish, we must begin with stewardship. Everything we have—our time, talents, relationships, money—comes from God. He owns it all. We’re not owners; we’re managers. When we recognize that, we stop living for ourselves and start using every resource for His glory. That includes how we spend, give, save, and even how we relate to others.

A flourishing life is a generous life. When God’s Word shapes us, we become generous with our time, with our finances, and with every resource entrusted to us. Generosity is not something we manufacture—it’s a byproduct of spiritual transformation. And it runs counter to the culture around us, which tells us to hold tightly to what we have. Instead, we hold everything with open hands.

The Bible speaks often about deceit and greed—two things that will always rob us of flourishing. When we live according to God’s wisdom, we pursue integrity and honesty in every area of life. Proverbs offers constant guidance on living truthfully, avoiding dishonest gain, and practicing righteousness in our dealings. Flourishing is tied closely to living a life of character.

We’re not here by accident. God placed us in this time and place for a reason. Our lives are temporary, but they’re filled with eternal purpose. We’re living today with heaven in view. Flourishing means recognizing that this life is preparation for eternity with our Lord. It means embracing the mission He’s given us and making every decision with the long view in mind.

When we step back and look at the big picture, we realize what a privilege it is to manage what God has entrusted to us. Stewardship isn’t a burden—it’s an invitation. An invitation to participate in His Kingdom work. An invitation to trust Him. An invitation to live a life that truly flourishes.

Let’s remember: God owns it all. We are stewards. And we get to use His resources for His glory. That is the foundation of a flourishing life.

• I’m considering a 0% financing offer and could pay it off within 12 to 18 months—but I’m also able to pay the full amount upfront. Which option makes better financial sense?
• I’m planning to take paid maternity leave, but I don’t intend to return to the company afterward. I’m struggling with whether this is the right thing to do and would love some guidance.
• My son and daughter-in-law recently sold a tiny house that we helped them build. They’re returning the money we put into it—are there any tax implications or other issues we should be aware of?
• We’re updating our kitchen by painting cabinets and making some interior improvements. We can pay it off in 6 to 12 months, but should we use a HELOC, take out a home equity loan, or borrow from our investment savings?
• I’ve heard that a trust can help avoid probate, but I have a testamentary trust, and the courthouse says my property will still go through probate. What’s the difference?
• I’m exploring a dynasty trust to protect assets for future generations, and I’m also interested in a charitable remainder trust to help with capital gains taxes. Is there a way to combine these strategies effectively?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The world constantly tells us, “You just need a little more.” But what if real peace isn’t found in having more, but in learning to need less?

What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more.

Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption.

In a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn’t found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we’re born with—it’s something we must learn. And we’re learning it together.

Let’s be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You’d think contentment would come naturally at that point. But surprisingly, it doesn’t.

Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. 

This isn’t new—it’s the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: “Remember the Lord your God, for it is He who gives you the ability to produce wealth” (Deut. 8:18). That warning is for us too.

Contentment is rooted in the present, not the future. And yet we often believe we’ll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can’t be fully alive to God and the people around us now, there’s no guarantee we will be later.

We don’t stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, “I have learned to be content whatever the circumstances” (Phil. 4:11). His circumstances didn’t determine his joy. His peace wasn’t tied to his comfort. And ours doesn’t have to be either.

Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess.

A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we’re pursuing minimalism for its own sake, but because we’re reminding ourselves that joy isn’t found in our possessions—it’s found in a life uncluttered by distraction, filled with God’s presence and purpose.

Comparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it’s undeniably true. In our digital age, we don’t just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we’re missing out when in fact, we’re richly blessed.

Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared.

Generosity is one of the most effective ways to break money’s grip on our hearts. Paul’s charge to Timothy echoes through the centuries: “Command those who are rich… not to put their hope in wealth… but to put their hope in God… to be rich in good deeds, and to be generous and willing to share” (1 Tim. 6:17–18).

When we give, we reflect the heart of our generous God—first in creation, then in Christ. And as we open our hands, we discover joy not in what we keep, but in what we release for the sake of others and the glory of God.

We long for our children and grandchildren to experience true satisfaction. But contentment isn’t just taught—it’s caught. When our families see that our greatest joy is not in acquiring new and better things but in reflecting the generosity of Christ, they begin to understand that there’s a story far bigger than material success.

We want them to see us delight in giving, not just spending. To notice our peace when things don’t go our way. To recognize that the content life isn’t a small life—it’s a deeply rich one, rooted in grace and lived with open hands.

• I have around $1.5 million in total assets and $500,000 in available funds. Given the current tax environment, I’m considering whether now might be a strategic time to withdraw from my pre-tax retirement accounts and pay the taxes. I’m currently living on Social Security and pension income and haven’t needed to tap into my savings yet.
• I’d like to open an account for my great-grandchildren, who are currently 3 years old and 18 months old. I’ve been looking into a universal life insurance policy, but would appreciate guidance on the best way to save for their future—possibly to help with education expenses.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Satisfied: Discovering Contentment in a World of Consumption by Jeff Manion
• SavingForCollege.com
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it’s not as intuitive as you'd hoped.

For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we’ve misunderstood how mentoring fits into God’s design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it.

Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.

Retirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn’t just about what we get—but what we give?

Retirement isn’t the end of our calling. It’s a fresh opportunity to steward our lives for God’s Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as intergenerational friendship.

Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we’ve found that mentoring is most fruitful when it grows from an organic, mutual friendship.

Rather than casting ourselves as sages who dispense advice, we’re invited to be fellow travelers—learning, laughing, sharing, and growing together. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time.

This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, “I no longer call you servants… I have called you friends” (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust.

In God’s upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ.

Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish:

• Delight in the Next Generation. Mentoring starts not with duty but with joy. When we find genuine delight in those younger than us—when we enjoy being with them, listening, and learning—we build the foundation for real connection.
   
• Affirm Before Advising. Many younger adults are uncertain about their calling or whether they have what it takes. A word of affirmation can be far more powerful than advice. Encouragement builds trust and opens the door to growth.
   
• Lead with Vulnerability. We don’t need to have it all together. It’s our stories of failure and God’s faithfulness that often minister most deeply. Humility makes room for healing and hope.
   
• Commit for the Long Haul. There’s no shortcut to transformation. Mentoring thrives when we’re patient and willing to walk alongside someone over time—through victories, setbacks, and seasons of change.
   
• Ask Thoughtful Questions. Jesus often asked His disciples powerful, heart-revealing questions. We can do the same. When we help others discover truth for themselves, they take greater ownership of their journey.

The local church is a natural place to start. It’s one of the few places left in our culture where generations regularly gather. Maybe it’s time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger.

Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship.

Most importantly, we must pray. We’ve learned to listen—not only to our mentee but to the Holy Spirit. We ask: Lord, what do You want us to say in this moment? How can we best serve this person? Prayer is the lifeblood of all fruitful mentoring relationships.

Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence?

We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our richest reward.

So here’s the invitation: Start showing up. Start listening. Start sharing your story. And watch what God does through friendship across generations.

Right now, more people than ever are seeking biblical wisdom to navigate their finances and their calling. When you become a FaithFi Partner, you help meet that need.

Partners receive:

• Early access to new devotionals and studies
• A subscription to our Faithful Steward magazine
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• I'm trying to compare mortgage rates from several lenders, but I’m concerned that multiple hard credit inquiries will affect my credit score. What’s the best way to shop around without damaging my credit?
• I’m trying to decide between setting up a Special Needs Trust or an ABLE account for my nephew. Can you explain the differences and help me understand which option might be better for his long-term financial support?
• After my husband left, I found myself in a challenging financial situation. Most of my savings are gone, and because of a traumatic brain injury, my ability to work is limited. I feel overwhelmed and don’t know where to begin. How can I start to rebuild my financial life?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen
• Bankrate | Lending Tree
• Movement Mortgage
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6

As parents, we often wonder when to begin teaching our kids about money. The simple answer? It’s never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That’s a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age.

Here’s how to begin—step by step.

Even toddlers can begin to understand the basics of money. Start by teaching the difference between needs and wants. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That’s a want—and a perfect conversation starter.

As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve.

Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It’s a simple but powerful way to connect generosity with worship.

At this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It’s a simple lesson in accountability and work ethic.

If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible.

Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue:

“You always have more choices than money.”

Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God’s heart.

Now your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It’s the perfect time to talk about larger savings goals—maybe a new bike or a camp trip.

Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you’re close by to guide them.

If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions.

Teenagers who are working part-time jobs are ready for more advanced money management.

Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer’s 401(k) might.

Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing.

Remind them: Markets go up and down, but faithful stewardship builds wealth over time.

Reinforce this truth: Their worth isn’t tied to their net worth. All we have is a gift from God to be managed for His glory, not our own.

No matter your child’s age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don’t have to be a financial expert—you just have to be present and intentional.

Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn’t just a financial lesson. It’s a spiritual one.

For more resources on biblical money management and to start budgeting as a family, check out the FaithFi app.

• I'm 58, single, and plan to keep working until I’m 70. I live frugally and want to ensure that my assets are managed wisely and passed on to my four children, especially my youngest. I'm considering setting up a trust, but the $2,000 cost seems steep. Is that the best option for someone like me who wants to ensure everything is protected and appropriately distributed?
• I’m looking to understand how reverse mortgages work. What kind of interest rates do they typically charge? Do they accrue interest like a traditional mortgage over time? Are there any upfront fees to get started?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Movement Mortgage
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6

Being born again in Christ changes a person. We’re given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.

It's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.

Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.

In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That’s when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”

Hearing about Bobby’s life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God’s redemptive power.

A few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.

We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.

Bobby’s journey highlights several biblical principles that are now guiding his life:

• The Body as a Temple: Bobby’s decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices.
   
• Humility: Bobby’s willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.”
   
• Honesty: Bobby’s commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ.
   
• Repaying Debts: The Bible emphasizes the importance of repaying our debts. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby’s desire to pay off his debt is a step toward fulfilling this principle.
   
• Stewardship: The most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”

We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you’re struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We’re here to help you take the next step toward financial freedom and faithful stewardship.

Bobby’s story is a powerful reminder that with God’s help, it’s never too late to turn your life around and get back on track. If you’re ready to take that step, we’re here to walk alongside you.

• I'm a 60-year-old single retiree, and honestly, I feel financially illiterate. I have two annuity accounts, but I don’t fully understand how they work. Should I stay in them or look at other options? I’d appreciate some guidance on how to manage my limited savings wisely.
• I'm single and trying to plan ahead to create passive income for my future family. I'm debating between buying a rental property and investing in the stock market. Which of these would be the smarter long-term move?
• My husband and I are retired and considering a reverse mortgage. What’s the best way to approach this, and is there a type of reverse mortgage that will ensure we can stay in our home?
• I loaned money to my cousin, and they repaid me with an extra $300 in interest. Do I need to report that interest as taxable income on my tax return?
• Can you explain the difference between a Roth IRA and a traditional IRA? Additionally, can someone who is not employed by a company open a 401(k) account?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Movement Mortgage
• Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. Accola
• Christian Credit Counselors
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“Blessed are the poor in spirit, for theirs is the kingdom of heaven.” — Matthew 5:3

In the final episode of our Financial Ethics series, we’re tackling a message that promises health and wealth—but often leads to heartache: the prosperity gospel. Dr. David W. Jones joins us to unpack its dangers and point us back to a truly biblical view of blessing and provision.

Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the co-author of Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. W. Jones and Russell S. Woodbridge.

One of the most dangerous ideas in the prosperity gospel is that faith guarantees financial prosperity. It treats faith like a force—a tool believers can wield to compel God’s blessings.

But biblical faith isn’t self-generated or transactional. It is a gift from God, a response to His revealed grace, and a means by which we trust Him, not a lever to gain wealth. Faith is “the eyesight of the soul”—deeply rational and rooted in the truth of who God is, not in wishful thinking or material expectations.

Prosperity theology often preaches a “faith formula”: believe hard enough, and you’ll be rewarded. But this distorts faith into a mechanism for personal gain. Hebrews 11:1 tells us that faith is “the substance of things hoped for, the evidence of things not seen.” It’s not irrational optimism—it’s a reasoned trust in the unseen promises of God.

We should view faith not as a way to escape hardship or secure abundance but as a path of trusting God in all things, including suffering.

One hallmark of the prosperity gospel is its aversion to suffering. But as Jones points out, suffering is part of living in a fallen world—and it’s not something Scripture tells us to avoid at all costs. In fact, passages like 1 Peter 4:12 and 2 Timothy 3:12 remind us that suffering is to be expected for faithful followers of Christ.

Rather than hinder our faith, suffering refines it. Suffering is the crucible of character. It’s often through trials that we grow closest to Christ and are shaped into His likeness.

Another distortion in prosperity teaching is the expectation of windfalls—blessings that come without effort. But God’s design for provision is through work. From the beginning, humans were created to labor and create, reflecting the image of God.

Working, creating, and flourishing through effort honors our design and brings fulfillment. Attempts to bypass God’s design through get-rich-quick schemes ultimately violate our dignity and God’s intended path for flourishing.

Prosperity preachers often misuse Scripture to back their claims. One example is 2 Corinthians 8:9: “That though He was rich, yet for your sakes He became poor, that you through His poverty might become rich.”

Taken out of context, it may sound like a promise of material wealth. But in its context, Paul is referring to our spiritual poverty and Christ’s sacrifice to make us spiritually rich—context matters. Misreading Scripture to fit a materialistic theology distorts the gospel’s central message.

Prosperity theology often frames giving as a transaction: sow a seed to receive a harvest. But biblical generosity isn’t about personal return—it’s about grace.

True giving flows from love for God and neighbor. We give not to get, but because we’ve already received so much. Our stewardship reflects our gratitude, not our greed. The heart of biblical giving is a response to God’s grace, not a strategy for personal gain.

Make your life about Christ, not your increase, not your own prosperity, but about flourishing in the image of His Son.

That’s the true antidote to the prosperity gospel. We aren’t promised wealth, ease, or success. But we are promised Christ—and in Him, we find every blessing that matters.

• I'm 64 and planning to retire within the next year. I have approximately $10,000 that I won’t need for income, and I’m seeking guidance on how to invest it wisely. I’m especially interested in options that align with biblical values and reflect my faith in the companies I support.
• My wife and I are approaching retirement. We’re financially secure, and our home is fully paid off. One concern I have is not having long-term care insurance. I’m considering either a reverse mortgage or a home equity loan to cover potential long-term care expenses, but I’d like to understand the pros and cons of each option before moving forward.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Health, Wealth, and Happiness: How the Prosperity Gospel Overshadows the Gospel of Christ by Dr. David W. Jones and Dr. Russell S. Woodbridge
• Understanding Reverse: Simplifying the Reverse Mortgage by Dan Hultquist
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In today’s world, scarcity seems to be everywhere. Not enough money. Not enough time. Not enough security. It’s easy to live like we’re always behind, always grasping, always worried. But is that the full story?

Here at FaithFi, we believe Scripture paints a different picture—one where scarcity isn’t the final word. Instead, through Christ, we’re invited to live with hope, wisdom, and trust in God’s abundant care.

The fear of “not having enough” isn’t new. Ever since sin entered the world, our hearts have struggled with distrust. In John 10:10, Jesus describes the enemy as a thief who “comes only to steal and kill and destroy.” And that’s what a scarcity mindset does. It steals peace, kills joy, and destroys our trust in God’s provision.

This mindset urges us to hoard instead of share, grasp instead of give, and stress instead of rest. It traps us in anxiety—a form of slavery where our lives are defined by what we lack instead of who God is.

Jesus doesn’t leave us in fear. In the second half of John 10:10, He offers a better way: “I came that they may have life and have it abundantly.”

This abundance isn’t about luxury—it’s about the richness of God’s care. From the very beginning, God created generously. Genesis 1 shows a God who overflows with creativity and provision, filling the skies, seas, and land with life. He didn’t create out of need but out of joy.

As Elisabeth Elliot wisely said, “God has promised to supply all our needs. What we don’t have now, we don’t need now.”

Jesus lived simply, with no home of His own, yet He never operated from scarcity. He lived generously, turning water into wine, feeding multitudes, and offering forgiveness to all. In Matthew 6:25–34, He urges us not to worry, pointing to the birds and lilies as evidence of the Father’s care.

“Seek first the kingdom of God and His righteousness,” Jesus tells us, “and all these things will be added to you” (Matthew 6:33). This is the antidote to fear: a trust-filled life focused on God’s Kingdom.

So, how do we break free from the scarcity trap? Here are a few biblical steps:

1. Renew Your Mind

Romans 12:2 calls us to be transformed by the renewal of our minds. Ask God to help you see life through the lens of His abundance, not the world’s lack.

2. Practice Gratitude

Thankfulness shifts our focus from what’s missing to what God has already provided. It’s a simple but powerful habit that reorients our hearts toward trust.

3. Embrace Stewardship

We are not owners but stewards. Everything we have is a gift from God. Proverbs 3:9 reminds us to “Honor the Lord with your wealth and with the firstfruits of all your produce.”

4. Give in Faith

Don’t give out of fear—give out of faith. 2 Corinthians 9:8 promises that God will provide all we need so that we can abound in every good work.

Living in God’s abundance doesn’t guarantee an easy life. But it does guarantee we never face our challenges alone, and we never need to be enslaved by fear.

So when the world says, “There’s not enough,” we can respond with confidence: Our God is more than enough. His abundance isn’t just material—it’s spiritual. It’s peace, joy, and confidence that our Father knows exactly what we need.

If you’re struggling with financial fear or anxiety, we invite you to explore our 21-day devotional, Look at the Sparrows. It’s designed to help you shift from fear to faith as you grow in your trust of God’s provision. Order a copy or place a bulk order today at FaithFi.com/Sparrows. Let this journey lead you into deeper peace and stronger trust, because your Father really does care for you.

• I’ve been looking into Fisher Investments to help manage my portfolio, but their 1.25% advisory fee seems a bit high. With $1.4 million in assets, is that rate competitive, or should I be considering other options?
• I’m on a limited income and have had serious health issues in the past. My husband is retired, and I’m struggling to find affordable health insurance. I’m also worried that my health history might lead to penalties or denial. What are my best options?
• I set up an LLC for a rental property and assumed I could report the income as a pass-through on my personal 1040. But my tax preparer says I now need to make quarterly estimated tax payments. Is that really necessary, and how do I know what to pay?
• I’m 62 and a half and thinking about retiring early this coming January. My current job no longer aligns with my values. I plan to take Social Security at around $1,835/month, which is about $500 less than my current income. My wife is still working and will cover our health insurance. What key retirement planning considerations might I be overlooking?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• HealthCare.gov | eHealth | HealthMarkets | HealthSherpa
• IRS.gov | SSA.gov
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.