A lot of folks who wouldnt dream of going into a casino or buying a lottery ticket are actually some of the biggest gamblers around! Today on Moneywise, Rob West and Steve Moore reveal some of the unnecessary risks people take with their money. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-Can you explain how a 401(k) works? I have an option to open one at work.

-I started three annuities 3 years ago, but I dont understand them. I dont seem to be making any money on them.

-Is there a certain amount of cash you should keep at home?

-What is a God-pleasing financial plan as my girlfriend and I plan on getting engaged

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

Today on Money Wise, Steve Moore and Rob West are joined by Kingdom Advisor’s co founder, Ron Blue, about four key Biblical principles to managing money to guide our way to becoming obedient followers of Christ. They discuss Ron Blue’s book, Master Your Money, and unpack how it explains these four principles and also what it has to say on the topic of contentment. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-How do you determine God’s plan for your life when it comes to a career?

-When is it best to switch from a Roth to a traditional IRA?

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

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

Today on Money Wise, Steve Moore and Rob West are joined by Kingdom Advisors co founder, Ron Blue, about four key Biblical principles to managing money to guide our way to becoming obedient followers of Christ. They discuss Ron Blues book, Master Your Money, and unpack how it explains these four principles and also what it has to say on the topic of contentment. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-How do you determine Gods plan for your life when it comes to a career?

-When is it best to switch from a Roth to a traditional IRA?

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

According to the Census Bureau, four out of five women will outlive their husbands. Losing one’s spouse is hard enough, but it’s especially tough if a widow has little or no experience handling the family finances. On this edition of MoneyWise, Rob West and Steve Moore welcome Miriam Neff and her daughter Valerie Neff Hogan or WidowConnection.com. Together they bring a wealth of spiritual and financial advice for widows.

Next, Rob and Steve take you calls at (800) 525-7000 or [email protected] about the following:

When buying a used car, the dealer financed the car but for a very high interest rate even with a good FICO score.Is it possible to refinance a car loan through a different lender?And, if so, how do you do that?

A gentleman on Social Security Disability has gotten into bad financial trouble.Now his credit cards are all maxed out.He’s considering entering a debt management program, but doesn’t know if this particular program is the right one?

At the end of the program, Steve mentionedThe Sound Mind Investing Handbookby Austin Pryor.You can find it on our website at MoneyWise.org.While you’re there, you can connect with a MoneyWise Coach or access our other books and many free helpful resources.If you’re active on social media, you can find us on Facebook (MoneyWise Media) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

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

According to the Census Bureau, four out of five women will outlive their husbands. Losing ones spouse is hard enough, but its especially tough if a widow has little or no experience handling the family finances. On this edition of MoneyWise, Rob West and Steve Moore welcome Miriam Neff and her daughter Valerie Neff Hogan or WidowConnection.com. Together they bring a wealth of spiritual and financial advice for widows.

Next, Rob and Steve take you calls at (800) 525-7000 or [email protected] about the following:

When buying a used car, the dealer financed the car but for a very high interest rate even with a good FICO score.Is it possible to refinance a car loan through a different lender?And, if so, how do you do that?

A gentleman on Social Security Disability has gotten into bad financial trouble.Now his credit cards are all maxed out.Hes considering entering a debt management program, but doesnt know if this particular program is the right one?

At the end of the program, Steve mentionedThe Sound Mind Investing Handbookby Austin Pryor.You can find it on our website at MoneyWise.org.While youre there, you can connect with a MoneyWise Coach or access our other books and many free helpful resources.If youre active on social media, you can find us on Facebook (MoneyWise Media) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

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

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

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

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

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

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

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

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

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

Saving up a nice retirement nest egg isn’t rocket science. You don’t even have to be very good at math. You live on less than you make, you invest the rest for a very long time, and 40 years later, you’re there.Today on Moneywise, Rob West and Steve Moore give you some suggestions to speed up or jump-start your retirement savings. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-We are debt free and use credit cards to earn airline miles. I’ve heard that it might be a good idea to freeze our credit. What are the dangers of doing that?

- What’s the difference between a trust and a will?

- I’m a few years away from retirement, but I’m trying to figure out how to make my retirement savings last. What’s the best way to put together our plan?

- My husband is approaching retirement age, and I’ve heard that we need to sign up for Medicare. Is there a penalty if we don’t sign up at the right time?

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

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

Saving up a nice retirement nest egg isnt rocket science. You dont even have to be very good at math. You live on less than you make, you invest the rest for a very long time, and 40 years later, youre there.Today on Moneywise, Rob West and Steve Moore give you some suggestions to speed up or jump-start your retirement savings. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-We are debt free and use credit cards to earn airline miles. Ive heard that it might be a good idea to freeze our credit. What are the dangers of doing that?

- Whats the difference between a trust and a will?

- Im a few years away from retirement, but Im trying to figure out how to make my retirement savings last. Whats the best way to put together our plan?

- My husband is approaching retirement age, and Ive heard that we need to sign up for Medicare. Is there a penalty if we dont sign up at the right time?

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

Are you tired of battling to make ends meet every month, wishing that every month was February so there were only 28 days? Are you wondering why God is so slow to meet your needs? Today on Moneywise, Rob West and Steve Moore discuss a few possibilities. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-The Bible says that the man is to be the leader in marriage. So how does that apply to finances?

-I’ve buried myself in debt, and I can’t figure out how to dig my way out. What do you suggest?

-My mom lived with us for 2 years before she passed away. The way her will was structured, I received the death benefit on her annuity, a total of $65,000. The problem is, I am now responsible for all of the taxes on that money, even though I am to distribute the money to my siblings. Is there any way around that?

-I have a credit card with a cash rewards program. They sent me a check last year, but it never arrived. I have talked to many people at the credit card company, but I can’t make any progress. What else can I do?

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

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