Financial blunders aren’t new. Consider this: the web portal Excite once passed on buying Google for just $750,000. Today, Google’s parent company is worth over $2 trillion. That, my friends, is a legendary missed opportunity.

Most of us won’t miss out on trillions, but we’ve all made financial mistakes. The good news is that God’s Word offers wisdom for recovery and direction when we stumble.

Learning from Failure

Scripture reminds us that falling isn’t the end for those who walk with God:

• “For the righteous falls seven times and rises again” (Proverbs 24:16).
• “For you, O Lord, are good and forgiving, abounding in steadfast love to all who call upon you” (Psalm 86:5).
• “If any of you lacks wisdom, let him ask of God … and it will be given him” (James 1:5).

Failure can be a stepping stone when we let God guide us forward. With that encouragement, here are 10 financial mistakes to avoid—and biblical wisdom to help you course-correct.

1. Borrowing from Your 401(k)

It feels like “borrowing from yourself,” but it often masks overspending or debt. While repaying, you may miss out on employer matches and the compounding growth that comes with them. Worse, leaving your job could trigger taxes and penalties.

2. Claiming Social Security Too Early

Starting at 62, benefits are reduced by up to 30%—for life. If possible, wait until full retirement age (or beyond) for a larger monthly check that lasts as long as you do.

3. Only Paying the Minimum on Credit Cards

A $5,000 balance at 20% interest can take nearly a decade to pay off with minimum payments, costing more than $8,000 in interest. Pay extra and utilize debt payoff strategies, such as the snowball or avalanche method.

4. Delaying Retirement Savings

Compound interest rewards the early saver. Even small contributions in your 20s can grow into a significant nest egg. Don’t panic if you’re starting late—just start now.

5. Overextending Yourself for Your Kids

Helping with college, weddings, or down payments shouldn’t jeopardize your own financial stability. Generosity is good, but if you sacrifice retirement now, you may depend on your kids later.

6. Going It Alone Without Wise Counsel

Many sell low during downturns because they lack guidance. Proverbs 15:22 says, “Without counsel plans fail, but with many advisers they succeed.” Seek out wise, faith-based financial advice.

7. Co-Signing a Loan

Scripture warns: “One who lacks sense gives a pledge and puts up security in the presence of his neighbor” (Proverbs 17:18). About 40% of co-signers end up paying the loan themselves. Be wise in your generosity.

8. Quitting School Too Soon

Education—whether a four-year degree, trade school, or certification—equips you with marketable skills. Think of it as an investment in your future, not just a cost.

9. Buying a Timeshare

Timeshares are marketed as affordable luxury, but often come with steep fees, little flexibility, and low resale value. They’re rarely the “investment” they claim to be.

10. Falling for Scams

Scammers prey on fear, urgency, and greed. Whether through fake calls, emails, or investment pitches, their goal is always the same—to separate you from your money. Be vigilant and discerning.

Walking Forward in Freedom

Jesus warned His disciples: “I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves” (Matthew 10:16).

Wise stewardship isn’t about never failing—it’s about learning, leaning on God’s wisdom, and moving forward faithfully. With His help, you can recover from mistakes and grow into a more faithful steward of His resources.

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At FaithFi, we believe money is a tool to advance God’s Kingdom. When you partner with us, you help more people discover the freedom of biblical stewardship and the joy of seeing God as their ultimate treasure.

Become a FaithFi Partner today with your gift of $35/month or $400/year, and you’ll receive:

• Early access to devotionals and studies
• Our quarterly Faithful Steward magazine
• The Pro version of the FaithFi app

Together, we can live as wise stewards and help others do the same.

On Today’s Program, Rob Answers Listener Questions:

• I have a 401(k) from a former employer, and I’m thinking of rolling it into a traditional IRA. Is that wise? And can I withdraw some cash during the transfer without incurring a penalty?
• I purchased a house in 2019 and now require a loan of $20,000–$30,000 to address basement flooding. What’s the best loan option?
• I’m almost 80 and want to close several credit card accounts. How much would that hurt my credit score?
• I hold CDs jointly with my sister, but we’re worried she could be liable if I get sued. Should I change the ownership before they mature?
• I’m considering joining Christian Community Credit Union, but I noticed that it isn’t FDIC insured. Should that be a concern?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Christian Community Credit Union (CCCU)
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does true generosity look like? Is it measured by the size of the gift, or is it something deeper?

In Luke 21:1–4, Jesus praises a widow who gave only two small coins. At first glance, her offering seems insignificant compared to the wealthy donors around her. Yet, in Jesus’ eyes, her gift was greater than them all. Why? Because God doesn’t measure generosity by the amount—it’s the heart behind it that matters.

The Scene at the Temple

Picture the temple courts: the wealthy making large, noticeable contributions, drawing admiration for their gifts. Then comes a poor widow. No fanfare. No applause. Just two copper coins—economically worthless. Yet Jesus declares that she has given more than anyone else.

The difference? The wealthy gave from their abundance, gifts that cost them little. The widow gave out of her poverty—all she had to live on. Her gift was not just generous; it was sacrificial, risky, and rooted in trust.

This theme echoes throughout Scripture. In 1 Samuel 16:7, the Lord tells Samuel, “Man looks at the outward appearance, but the Lord looks at the heart.” Paul also affirms this in 2 Corinthians 8:12: “If the willingness is there, the gift is acceptable according to what one has, not according to what one does not have.”

God doesn’t call us to give what we don’t have. He calls us to give cheerfully, faithfully, and with hearts surrendered to Him.

God Wants Your Heart

The widow’s gift also points us to the gospel itself. In 2 Corinthians 8:9 we read, “Though He was rich, yet for your sake He became poor, so that you through His poverty might become rich.” Jesus gave everything for us—holding nothing back. When we give sacrificially, we reflect His love and generosity.

Maybe you’ve felt your giving is too small to matter. But Scripture shows otherwise. In John 6, a boy offered five loaves and two fish—and Jesus fed thousands. The issue isn’t what you have, but what God can do with it.

Generosity in God’s Kingdom isn’t about status or size. It’s about surrender. A gift given in faith is never small. Whether two coins or two million dollars, the real question is: Am I giving out of abundance or out of trust?

The story of the widow’s mite isn’t meant to pressure us into giving more. Instead, it frees us to see generosity the way God does—not as an economic equation but as an act of worship. He doesn’t need your money; He wants your heart.

On Today’s Program, Rob Answers Listener Questions:

• I lost money in my 401(k) when I became disabled, and now it’s sitting in an IRA that isn’t earning anything. Should I transfer it to a savings account, and what taxes would I be liable for? Also, since my house is paid off, I’d like to understand how reverse mortgages work.
• I have just sold my house and would like to know the most prudent way to invest the proceeds. I’m trying to be a good steward, but I’m not sure if a savings account, an IUL, or something else would be best.
• I’m on permanent federal workers’ comp and wondering if I’ll still be eligible to draw Social Security when the time comes.
• My friend hasn’t filed taxes for five years. How could that affect her children if she passes away, and what steps can she take to resolve it?
• I was told that if I move my mortgage into a home equity line of credit and deposit my paychecks there, I could pay it off in seven years. Is that really true?

Resources Mentioned:

• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Women control more wealth than ever—so how do you find an advisor who listens, explains clearly, and shares your values? 

According to McKinsey & Company, by 2030, women are expected to control nearly two-thirds of U.S. assets—around $30 trillion. With that kind of stewardship comes both opportunity and responsibility. Today, Sharon Epps joins us to share five simple practices that women should expect from their financial advisors.

Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.

Key Practices Every Client Should Look For

When it comes to choosing a financial advisor, women don’t need a different standard—they simply need the right standard done well. At Kingdom Advisors, we train Certified Kingdom Advisors (CKAs®) to integrate biblical wisdom into their practices while also serving clients with excellence and care.

If you’re interviewing an advisor, here are five practices to watch for. These principles will help you find someone who not only understands finances but also values clarity, empathy, and shared purpose.

1. Clear Terminology

Financial jargon can be overwhelming. Terms like RIA or CFP® often make sense only to industry insiders. A good advisor should be able to pause, explain concepts in everyday language, and use analogies that make complex ideas easier to understand. Look for someone who welcomes your questions and ensures you truly understand the path forward.

2. A Warm and Welcoming Environment

We often say to “light a candle”—not literally, but figuratively. The goal is to create a space that feels safe and welcoming, rather than intimidating. Just like hotels offer warm cookies to make guests feel at home, a thoughtful advisor will create an environment where you feel respected and comfortable.

3. Transparency in All Things

An advisor has a fiduciary responsibility to be transparent—but the best ones go beyond compliance. They openly share how they are compensated, outline every fee on paper, and invite accountability. As a client, don’t hesitate to ask where you can see these details clearly documented.

4. Interest in More Than Money

We teach advisors to “use a magnifying glass”—to look beyond the numbers. Money is simply a tool to help you fulfill God’s calling on your life. A trusted advisor should ask about your values, dreams, and purposes—not just your portfolio. That’s why the CKA® designation is so important: it connects you with advisors who share your values and can integrate them into financial decisions.

5. Developing God’s Heart for the Whole Person

The most important practice is what we call whole-person care. Advisors aren’t just money managers—they’re disciple-makers. They should walk alongside you and your family in prayer, through significant life transitions, and in building unity between spouses. Women’s voices should be heard and respected just as much as men’s in every financial conversation.

Our prayer is that these five practices give you confidence as you search for the right advisor. You deserve clarity, empathy, and values that align with your faith. 

If you’d like to find a Certified Kingdom Advisor in your area, visit FindaCKA.com.

On Today’s Program, Rob Answers Listener Questions:

• Back in 2018, my home insurance company agreed to replace my roof. In 2020, contractors found I also needed new decking, and an insurance employee told me they’d cover it once the work was finished. Now the company is threatening not to renew my policy unless I replace the roof at my own expense. How can I get them to honor their commitment?
• My dad passed away over a year ago, and my mom is trying to qualify for Social Security benefits. The issue is that my dad didn’t have 40 credits, and neither does she. Is there any way their credits can be combined so she can meet the requirement?
• I heard about a provision in a new bill that allows accounts to be set up for children. Is it true that the government will put money into accounts for kids born in the next few years? If so, how would I participate?
• I’d like to encourage my two adult children to start investing in Roth IRAs. Where can they open accounts with low fees, especially since they’ll only be making small contributions at first?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Sound Mind Investing (SMI)
• Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you have a 401(k) or an IRA, you may not realize that proxy voting gives you a voice in the companies you own—and it can be a way to live out your faith.

As stewards, we’re called to reflect our Christian values, even in how our investments influence the marketplace. But what does that look like in practice? Will Lofland joins us today to explain.

Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone’s shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility.

What Is Proxy Voting?

Proxy voting is the right shareholders have to vote on important issues within the companies they partially own. This could include leadership changes, corporate policies, or shareholder proposals. While many individual investors never think about it, proxy voting represents a significant opportunity to shape corporate behavior.

However, if your money is invested in mutual funds or retirement accounts—as is the case for most Americans—you don’t vote directly. Instead, the fund company you invest with casts those votes on your behalf. That makes it critical to understand how your fund manager approaches these issues.

GuideStone’s Approach: A Biblical Worldview

In 2023, GuideStone made the decision to bring proxy voting in-house. By managing votes internally, GuideStone applies a biblical worldview when exercising shareholder influence. This means promoting policies that align with Scripture while resisting agendas that undermine a Christian ethic.

As a shareholder, GuideStone joined a coalition of investors to pressure these banks to change their policies. The result? Both institutions strengthened protections, ensuring that Christian organizations would not be denied access to essential financial services because of their convictions.

Why Your Vote Matters

Does proxy voting really make a difference? Absolutely. The world can be transformed through Christian investing, and one way to achieve this is by utilizing all available tools as an investor to promote your Christian worldview.

By engaging with faith-based investment firms like GuideStone, believers can ensure their investments not only grow financially but also advance Kingdom values in the marketplace.

As Christians, we’re called to shine God’s light in every area of life—including the boardroom. Proxy voting is one of the practical ways we can do that.

To learn more about how GuideStone integrates faith into investment practices, visit GuideStoneFunds.com/Faith.

On Today’s Program, Rob Answers Listener Questions:

• Could you explain what an irrevocable trust is and how it works?
• I’m 64, still working full-time, and I’m wondering: Do my HSA contributions affect my future Social Security benefits? I’m also concerned about how my earnings are being reported.
• I’d like to know if a Roth IRA is the best investment tool to set my children up for the future.
• After my mom passed away, my sister and I inherited her house. I’m living in it now, but recently lost my job, and I’m trying to decide if I should buy out my sister’s share or sell the property altogether.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• GuideStone Funds
• Buckner Shoes for Orphan Souls
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your money soundtrack—what plays on repeat in your head—will either help or hinder your financial decisions. 

We all know the power of overthinking—but the good news is, you can change the tune of those money soundtracks playing in your mind. Jon Acuff joins us today to show you how.

Jon Acuff is a New York Times bestselling author, speaker, and podcaster who helps people overcome overthinking, change their mindsets, and achieve goals. He’s written 10 books, including Soundtracks: The Surprising Solution to Overthinking.

What Are “Soundtracks”?

Soundtracks are the repeated thoughts that play in our minds—like music on loop. They can be helpful or harmful, but either way, they shape our lives.

If you’d like to change the soundtracks that you have been listening to, this framework is simple yet profound:

1. Retire the broken soundtracks that hold you back.
2. Replace them with healthier, truthful ones.
3. Repeat them until they become second nature.

It’s not enough to get rid of the old. You have to replace it with the new.

Retiring Broken Soundtracks

The first step is to identify what’s holding you back. Write down a financial goal—such as paying off debt, buying a home, or supporting missionaries—and then pay attention to your immediate thoughts.

Are they encouraging or discouraging? Many people quickly hear internal voices saying things like:

• “Who are you to think you could do that?”
• “You’ll never make more than your parents.”
• “Money isn’t for people like you.”

These are broken soundtracks—thoughts that undermine God’s best for your life. Sometimes, they’re inherited.

Here are several unhealthy financial soundtracks that many people believe:

• “Mo Money, Mo Problems.” Popularized by a hip-hop song, this belief ties success to stress. But lacking money doesn’t eliminate problems either—it often magnifies them.
   
• “I’ll give when I’m successful.” Many delay generosity until they feel financially “ready.” But giving is a practice best learned in small amounts now, so it grows with you over time.
   
• “I’m not a money person.” Labeling yourself this way shuts the door on growth. Money management is a skill, not a fixed identity.

These soundtracks don’t just affect finances; they limit your potential. In one survey that Jon conducted with 3,000 people, a staggering 96% reported not living up to their full potential—often due to limiting beliefs.

Replacing Soundtracks with Truth

Once you identify the lies, it’s time to replace them. That can mean flipping the negative thought on its head, seeking wisdom in Scripture, or learning from mentors.

Some examples of healthier money soundtracks include:

• “I can do amazing things with money.”
• “I can make more than my parents, and that’s okay.”
• “I am my own biggest venture capitalist—my day job is funding my dream.”

But what if you feel stuck? We encourage you to start small. Too often, people believe they must overhaul their entire lives overnight. Instead, try carving out 15 minutes a day to take one positive step forward. Over time, those mustard-seed-sized efforts compound into meaningful change.

The truth is that the thoughts you repeat about money directly influence how you use it. Broken soundtracks can sabotage generosity, stunt growth, and even cause you to reject God’s gifts. However, by retiring lies and replacing them with truth, and repeating them faithfully, you can align your mindset with God’s wisdom.

If you change the thought, you’ll change the actions, and then the results will follow.

On Today’s Program, Rob Answers Listener Questions:

• I’m looking at Medicare Advantage plans. They seem cheaper upfront, but I’m concerned about high out-of-pocket costs if something serious were to happen. My wife is just starting Medicare, and we want to know the best option.
• I’m nearly two years into my job and haven’t yet started contributing to the company’s 401(k). My concern is making sure my investments align with my Christian values.
• What’s the difference between a living trust and a will, and which one is better for estate planning?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Soundtracks: The Surprising Solution to Overthinking by Jon Acuff
• Jon Acuff
• List of Faith-Based Investment Funds
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren’t surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.

Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.

We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt’s grain during the years of plenty. His preparation wasn’t random—it was steady and systematic. That’s exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.

What Is a Sinking Fund?

A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you’ve been building.

This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It’s not glamorous, but it works.

Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn’t wait until the snow falls to collect food—she steadily prepares in advance.

Trusting God doesn’t mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.

Where to Start

If you’re new to sinking funds, begin with one category. Break down the expense into monthly contributions:

• Car repairs & replacement—Tires, brakes, or even a future vehicle.
• Home maintenance—Roofs, furnaces, and appliances all wear out.
• Medical costs—Co-pays, deductibles, or out-of-pocket expenses.
• Gifts & holidays—Birthdays and Christmas come every year.
• Insurance premiums & taxes—Annual or quarterly payments made manageable.

Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.

In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church’s needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.

The goal isn’t to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.

Faith Expressed Through Stewardship

Choose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you’ve built the habit, add another fund. Before long, you’ll have a system that turns stress into confidence and panic into peace.

Creating sinking funds is more than a budgeting trick—it’s a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn’t replace faith—it reflects it.

So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn’t just believing God will provide when the bill arrives—it’s also honoring Him by preparing with the resources He has already placed in your hands.

On Today’s Program, Rob Answers Listener Questions:

• I’m retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?
• I’m 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?
• I didn’t have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family’s attitude toward money?
• I’ve looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What’s your perspective on that?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard Dayton
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For many children, going barefoot isn’t a choice—it’s a daily struggle that puts their health, safety, and future at risk. But one pair of shoes can change that story.

Today, we’ll hear how Buckner Shoes for Orphan Souls is bringing hope and dignity to vulnerable children around the world. Shawn Spurrier joins us to share how God is changing lives through something as ordinary—and extraordinary—as shoes.

Shawn Spurrier is the Director of Buckner Shoes for Orphan Souls at Buckner International, an underwriter of Faith & Finance. 

A Mission That Began in Dallas

Buckner Shoes for Orphan Souls started in 1999 as a local effort in Dallas, Texas, to serve children in Russian orphanages. Over 25 years later, God has expanded this work into a global ministry. Today, more than 5 million children in 86 countries have received shoes through the generosity of churches, businesses, and believers across the U.S.

What began as a small act of compassion has grown into a worldwide movement of hope.

More Than Shoes: Health, Safety, and Education

Around 300 million children worldwide lack access to shoes. This barrier affects nearly every aspect of life:

• Health—Shoes prevent footborne diseases, many of which carry social stigma and long-term consequences.
• Education—In many countries, shoes are required for school attendance. Without them, children are forced to stay home, trapped in cycles of poverty.
• Hope—Receiving shoes as a gift in Jesus’ name opens hearts to the Gospel and connects families with life-changing ministries.

Shoes are more than fabric and rubber—they are a bridge to dignity, opportunity, and transformation.

Restoring Dignity for Families

For many of us, buying new shoes for back-to-school is routine. But in parts of the world where Buckner serves, parents may spend months saving to afford just one pair—or go without entirely. Some families must rotate a single pair of shoes between siblings, deciding who can attend school on a given day.

The gift of shoes restores dignity to parents, enabling them to provide for their children and giving kids the confidence to learn, grow, and thrive.

Global Reach and Local Impact

Buckner’s ministry extends both globally and locally:

• United States—Shoe distributions in Texas, including for families affected by flooding.
• Latin America—Serving children in Guatemala, the Dominican Republic, Mexico, Honduras, and Peru.
• Africa—Programs in Ethiopia and Kenya.
• Beyond—Partnerships have extended Buckner’s reach into 75+ additional countries.

Every pair of shoes opens the door to broader ministry. Family Hope Centers offer resources, education, and Christ-centered training, bringing lasting transformation to entire communities.

How You Can Join

Together, we’re striving to provide 1,000 children with shoes, socks, and the message of God’s love.

• $15 provides one child with shoes and socks.
• $150 equips ten children.

Visit GiveShoesToday.org to make your gift and bring hope to a child in need.

Shoes may seem ordinary, but in the life of a child, they are extraordinary. They represent safety, opportunity, dignity, and above all, the love of Christ.

On Today’s Program, Rob Answers Listener Questions:

• I’m 40 and have several old 401(k) accounts from past employers. One advisor suggests consolidating them for an expected return of 8–10%, while another recommends a hedge fund offering 15–17% returns. What’s the best course of action?
• I’m 64 and want to get my end-of-life documents in order to protect my wife from probate. Her credit was poor, so she’s not on the deed to our house. How can I take care of this without spending $3,000–$5,000 on a lawyer?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Buckner Shoes for Orphan Souls
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Israel is often in the headlines for conflict—but there’s another story you need to hear.

Beyond the headlines, Israel has emerged as a global innovation hub and a rising player in international markets. Today, Brian Mumbert joins us to share why investing in Israel could be a strategic opportunity worth considering.

Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.

Why Invest in Israel?

At first glance, investing in a nation experiencing conflict may seem counterintuitive. But economies often demonstrate resilience in times of war. Israel is no exception. With robust defense spending, a thriving entrepreneurial spirit, and a deeply ingrained culture of saving and financial discipline, the nation continues to grow.

In fact, one of Israel’s largest banks gave out piggy banks to families nationwide to encourage saving—a small example of the country’s ingrained culture of stewardship and fiscal responsibility.

For those wondering about safety, Israel offers a surprisingly secure environment for investment. The Tel Aviv 125 Index, which tracks the nation’s 125 largest companies, operates much like the U.S. stock exchanges. 

Israel has transitioned from an emerging to a developed economy, putting it in the same global category as many European nations. Its GDP is forecasted to grow by 3.3% in 2025 and 4.6% in 2026, with inflation targeted at a steady 2%—numbers comparable to the U.S. outlook.

The “Startup Nation” Advantage

Israel’s reputation as a hub of innovation is well-earned. In 2024 alone, U.S. giants invested billions in Israeli startups. Google acquired cloud security firm Wiz for $32 billion, while Palo Alto Networks purchased CyberArk, an identity management leader, for $25 billion. Everyday technologies like Apple’s Face ID and SodaStream also trace their roots back to Israel.

Large U.S. companies buying small Israeli firms is common since it’s part of the fabric of their economy.

While technology dominates headlines, Israel’s economy is diverse. Financials, industrials, and defense sectors have also posted strong returns. In fact, nearly every sector reported double-digit growth in 2025. The Israeli shekel has also appreciated, further boosting investor confidence.

International ties enhance Israel’s economic opportunities. The Abraham Accords have opened new trade relationships across the Middle East, while defense partnerships with Europe have surged amid global conflicts. Recent agreements, such as a $35 billion natural gas export deal with Egypt, demonstrate the nation’s expanding role in global energy markets.

The Timothy Plan Israel Common Values Fund

For investors who want exposure to Israel’s growth while remaining true to their faith, Timothy Plan offers the Israel Common Values Fund. This actively managed fund holds 58 companies, giving broad diversification within the Israeli market.

True to Timothy Plan’s mission, the fund excludes companies that profit from abortion, pornography, or other activities inconsistent with biblical values. Even in Israel, they carefully screen companies to ensure they align with Christian principles.

Faith-based investors increasingly want their portfolios to reflect their values. Advances in technology have made it easier to screen companies for alignment, though Timothy Plan has been doing it faithfully since 1994. They’re not just avoiding harmful investments, they’re enabling believers to steward their resources in ways that honor God.”

Practical Advice for Investors

If you’ve never seen faith-based options in your portfolio, start by talking to your advisor. Share what you’re passionate about—your church involvement, your giving priorities, your desire for biblical stewardship. When advisors know your values, they can help you align your investments with them.

The Timothy Plan Israel Common Values Fund provides a practical way to support Israel and benefit from its dynamic economy—all while investing according to biblical principles. To explore this opportunity, visit TimothyPlan.com.

On Today’s Program, Rob Answers Listener Questions:

• I’d like some biblical insight on the power of tithing. I’ve even heard of people practicing ‘reverse tithing,’ living on 10% and giving away 90%. What benefits might there be if we increased our giving to 15% or even 20%?
• My grandfather has invested in a commemorative coin collection for years. He’s asked me and my aunt to handle it before he passes—determine the value and then sell it. Where can I turn to find out what it’s worth and get the best price for his investment?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Timothy Plan
• Timothy Plan’s Israel Common Values Fund
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When you board a plane, you trust the pilot to get you safely to your destination. Shouldn’t you be just as careful about who advises you on your financial future? Financial guidance isn’t just about numbers—it’s about trust, worldview, and values. The right advisor can help you make decisions that align with your faith and priorities.

Every advisor brings a worldview to the table. Too often, cultural definitions of success revolve around accumulation alone. But biblical stewardship points higher—toward faithfulness, contentment, and generosity. That’s why this choice is not only financial—it’s spiritual. You’re entrusting someone with influence over how you manage God’s money, and that requires discernment.

Clarify What You Need

Before beginning your search, determine what type of help you’re looking for. Do you need comprehensive planning—covering retirement, insurance, taxes, estate planning, and generosity—or just investment management? Do you want a one-time plan or an ongoing relationship? The clearer your goals, the easier it will be to evaluate fit.

One of the most important questions to ask is whether your advisor is a fiduciary, legally obligated to put your interests first. Compensation models vary:

• Commission-based advisors earn by selling products, which may create conflicts of interest.
• Fee-based advisors charge fees but may also receive commissions.
• Fee-only advisors are paid solely by clients, helping ensure objectivity.

No matter the model, insist on full transparency about fees and expenses.

Credentials and Character

Credentials demonstrate an advisor’s training and licensing, but character matters just as much. Evaluate potential advisors in three areas:

• Values – Do they share your biblical worldview?
• Competence – Do they have the training and experience to serve families like yours?
• Process – Can they explain how they build a financial plan and how they are compensated?

A Practical Process for Finding the Right Advisor

1. Build a shortlist – Ask trusted friends, family, or church leaders for recommendations. Explore advisors who share biblical values, like Certified Kingdom Advisors® at FindaCKA.com.
2. Do a background check – Verify licenses, review disclosure documents, and check for disciplinary history.
3. Interview at least three advisors – Treat this like a job interview. You’re hiring for a critical role.
4. Request a written scope and fee schedule – Get clarity in writing.
5. Pray and take your time – Don’t let anyone pressure you into quick decisions.

When meeting with potential advisors, ask:

• “How are you compensated? Please outline every fee and expense.”
• “What role does faith play in your financial advice, and how do you define success?”
• “What’s your process for creating a financial plan or investment strategy?”

Proverbs 11:14 reminds us: “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.”

Red Flags and Green Lights

Be alert for warning signs such as:

• Promises of unrealistic performance
• Vague answers about fees
• Pressure to move assets quickly

Look instead for encouraging signs:

• Transparent communication
• A listening-first approach
• Advice that integrates faith and family priorities

The right advisor depends on your season of life. Young families may need guidance on budgeting, insurance, and college savings, while retirees often seek tax-efficient withdrawals, income strategies, and estate planning. Ask potential advisors about their typical clients to see if their expertise aligns with your needs.

Keeping Faith at the Center

A trusted advisor can help you avoid mistakes, manage taxes, stay disciplined during market swings, and design a generosity plan that reflects your calling. Most importantly, the right advisor will keep your focus on faithfulness, not just finances—helping you honor God with every decision.

If you’re ready to seek biblically wise financial advice, consider working with a Certified Kingdom Advisor®. CKAs meet rigorous standards of character, competence, and biblical training. You can start your search today at FindaCKA.com.

On Today’s Program, Rob Answers Listener Questions:

• I’m considering a reverse mortgage. I have some credit card debt, a second mortgage, and I’d like to make home modifications for my husband, who is in a wheelchair. How exactly does a reverse mortgage work, and will it affect my credit?
• I’m a single mom with a limited income. What steps can I take to improve my credit score?
• We received a disaster loan from the Small Business Administration at 1.5% interest. My wife thinks we should invest the money instead of paying off the loan. What’s your advice?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Understanding Reverse: Simplifying the Reverse Mortgage by Dan Hultquist
• AnnualCreditReport.com
• Christian Credit Counselors
• 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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Marriage is about becoming one—but what does that mean for your money? For many couples, the question of whether to combine bank accounts or keep them separate is one of the first major financial decisions they face. While the Bible doesn’t speak directly to checking accounts, it does give us a clear picture of what unity, trust, and stewardship look like in marriage.

What Scripture Says About Oneness

In Mark 10:7–8, Jesus says, “Therefore a man shall leave his father and mother and hold fast to his wife, and the two shall become one flesh.”

That phrase, “one flesh,” is more than physical—it describes an emotional, spiritual, and practical union. Marriage is about sharing a life together, and that includes finances. The Bible doesn’t command couples to have joint accounts, but it does call us to transparency, mutual submission, and faithful stewardship.

Joint accounts are one practical way to live this out, offering a structure of accountability and openness. Separate accounts, while not inherently sinful, can sometimes become symbolic of separate lives if not handled with care.

A story from a banker friend drives this home. One day, a woman came into the bank distraught after discovering her husband had a secret credit card with thousands of dollars in gambling debt. The shock wasn’t just about money—it was about broken trust.

Financial infidelity is devastating because it goes deeper than dollars and cents. It damages the foundation of unity. Ephesians 5:21 reminds us: “Submit to one another out of reverence for Christ.” That submission extends to our financial decisions.

Practical Ways to Build Financial Unity

So, what does financial oneness look like in real life? Here are a few steps couples can take:

1. Hold Regular Money Dates

Set aside time each month to review your budget, giving, and goals. These conversations don’t have to be stressful—they can strengthen communication and provide alignment in your marriage.

2. Build a Shared Emergency Fund

Saving three to six months of expenses together demonstrates trust and unity. It says, “We’re in this together, no matter what comes.”

3. Use Tools That Foster Unity

Budgeting apps like the FaithFi app can help you and your spouse manage money together with clarity and purpose. Built on biblical principles, it’s more than just software—it’s a discipleship tool.

Why Financial Unity Matters

Financial unity is ultimately about more than accounts and numbers. It’s about our hearts. When couples pursue oneness in their finances, they reflect the greater reality of Christ’s love for His church—a bond marked by trust, sacrifice, and faithfulness.

Your bank account setup matters far less than your posture toward one another. Ask yourselves:

• Are we making decisions together?
• Are we being transparent and honest?
• Are we aligning our finances with God’s purposes?

When the answer is yes, your marriage becomes a living testimony of the Gospel.

A Bigger Vision for Stewardship

At the end of the day, combining or separating accounts isn’t the ultimate issue. The greater call is to live as one—financially, emotionally, and spiritually—while stewarding God’s resources faithfully.

And if you’d like to go deeper in this journey, I invite you to become a FaithFi Partner. For just $35 a month or $400 a year, you’ll receive exclusive benefits, including our quarterly printed magazine, Faithful Steward. It’s full of biblical wisdom and practical tools to help you grow as a faithful steward of God’s resources.

To join, visit FaithFi.com/Partner.

On Today’s Program, Rob Answers Listener Questions:

• I’ve paid off my house, but the title company still has my deed. Should I leave it with them, put it in a safety deposit box, or what’s the best way to handle my home’s title?
• I’ve come into $20,000, and I want to invest it wisely. What’s the best way to put this money to work?
• I had a will drafted when my first child was born, but now my youngest is turning 18. I’d like to avoid probate court. What can I do instead of just having a will? I’ve already added beneficiaries to my accounts and want my house title to transfer upon my death.
• When I was younger, I made poor financial choices without seeking godly counsel. I want to encourage others to seek advice from wise, godly people before making financial decisions.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Bankrate.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 every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.