With the economy in overdrive now, it’s easy to forget that some of us went through tough times during the great recession and not-so-great recovery.Some 30 million Americans have at least one debt that has gone to collections, and many of us are still finding it hard to pay off even small debts.This impacts not only our credit score but also securing a loan or even moving into a new home. God’s Word tells us we’re to pay what we owe, so Rob West and Steve Moore offer ways to do just that.

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

-I’m retired and I’m on Social Security. I’ve always paid my tithe on the gross amount. Since I already paid tithe on this money, do I need to tithe again?

-My husband and I have often had a discussion on how to save money on our electric bill. I say that we save money by keeping the temperature constant, but my husband says we save money by adjusting it throughout the day. What do you think?

-I’ve heard you say that you don’t like credit repair companies. But I once heard you say that you do recommend credit counseling companies. Can you clarify what you mean by those two things?

Be sure to check out our entire website at MoneyWise.org to connect with a MoneyWise Coach or access our books and our many free helpful resources.You can also 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

With the economy in overdrive now, its easy to forget that some of us went through tough times during the great recession and not-so-great recovery.Some 30 million Americans have at least one debt that has gone to collections, and many of us are still finding it hard to pay off even small debts.This impacts not only our credit score but also securing a loan or even moving into a new home. Gods Word tells us were to pay what we owe, so Rob West and Steve Moore offer ways to do just that.

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

-Im retired and Im on Social Security. Ive always paid my tithe on the gross amount. Since I already paid tithe on this money, do I need to tithe again?

-My husband and I have often had a discussion on how to save money on our electric bill. I say that we save money by keeping the temperature constant, but my husband says we save money by adjusting it throughout the day. What do you think?

-Ive heard you say that you dont like credit repair companies. But I once heard you say that you do recommend credit counseling companies. Can you clarify what you mean by those two things?

Be sure to check out our entire website at MoneyWise.org to connect with a MoneyWise Coach or access our books and our many free helpful resources.You can also 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.

Today on Money Wise, Steve Moore and Rob West speak on 2 Timothy 1:7 and discuss how to be encouraged during difficult times. They are joined by investing specialist, Mark Biller, from Sound Mind Investing, to talk on the topic of market fluctuation and to take the fear out of it. They discuss topics such as bear vs. bull markets, rising and falling stock prices, and how to not act emotionally while investing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-What is the difference between a traditional IRA and a 401K?

-What is better, whole or term life insurance?

-My brother and his kids live in my home with my adult children while I am on the road, but they aren’t good at taking care of my home. Advice?

Learn more about Mark Biller and Sound Mind Investing at soundmindinvesting.org.

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 speak on 2 Timothy 1:7 and discuss how to be encouraged during difficult times. They are joined by investing specialist, Mark Biller, from Sound Mind Investing, to talk on the topic of market fluctuation and to take the fear out of it. They discuss topics such as bear vs. bull markets, rising and falling stock prices, and how to not act emotionally while investing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-What is the difference between a traditional IRA and a 401K?

-What is better, whole or term life insurance?

-My brother and his kids live in my home with my adult children while I am on the road, but they arent good at taking care of my home. Advice?

Learn more about Mark Biller and Sound Mind Investing at soundmindinvesting.org.

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.

Are you a financial fretter, always worrying about money and whether you’ll have enough for tomorrow? Is it robbing you of sleep, hurting your relationships, or maybe even your job performance? Well, it doesn’t have to be that way. Today, Rob West and Steve Moore show you some positive, tangible steps to overcome your money worries and experience much-needed peace of mind. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-A charity contacted me requesting a donation. I looked them up and discovered that they pay their board of directors an exorbitant amount of money. What do you think of donating to an organization that uses its money this way?

-If I take money out of my 401(K) after age 59 , will I have to pay penalties and taxes?

-What is an IRA or a Roth IRA?

-I recently heard of a life insurance policy that builds in value over time. Can I use that as a retirement fund?

-I’m 62 and thinking about retiring. Do I need a life insurance policy?

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

Are you a financial fretter, always worrying about money and whether youll have enough for tomorrow? Is it robbing you of sleep, hurting your relationships, or maybe even your job performance? Well, it doesnt have to be that way. Today, Rob West and Steve Moore show you some positive, tangible steps to overcome your money worries and experience much-needed peace of mind. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-A charity contacted me requesting a donation. I looked them up and discovered that they pay their board of directors an exorbitant amount of money. What do you think of donating to an organization that uses its money this way?

-If I take money out of my 401(K) after age 59 , will I have to pay penalties and taxes?

-What is an IRA or a Roth IRA?

-I recently heard of a life insurance policy that builds in value over time. Can I use that as a retirement fund?

-Im 62 and thinking about retiring. Do I need a life insurance policy?

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 Rob West, Steve Moore and Dale Vermillion thoroughly explain the steps of getting a mortgage and what that process looks like.They also offer biblical wisdom on budgeting and helping someone you care for with their investing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I’m 53 with an 8-year-old son and a disabled wife that I care for.Also I am trying to finish school on a very fixed income.How to I find the time and money to do so?

-I take care of an older disabled woman who just sold her home.She now has about $43,000 she needs help finding something to invest in.How do I go about helping her with this?

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 Rob West, Steve Moore and Dale Vermillion thoroughly explain the steps of getting a mortgage and what that process looks like.They also offer biblical wisdom on budgeting and helping someone you care for with their investing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-Im 53 with an 8-year-old son and a disabled wife that I care for.Also I am trying to finish school on a very fixed income.How to I find the time and money to do so?

-I take care of an older disabled woman who just sold her home.She now has about $43,000 she needs help finding something to invest in.How do I go about helping her with this?

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.

Once upon a time, going to the bank was a regular part of life in America. But online banking has made most trips to the local branch unnecessary. So is it time to ask, Do I need a brick and mortar bank at all?Online only banks are doing everything they can to lure you away from your traditional bank, starting with competitive interest rates. Today, Rob West and Steve Moore look at the advantages of using a bank whose only branch is in cyberspace. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- My wife and I have been married for 5 years. My wife just graduated from nursing school, and we have a small amount of debt. I have a Roth IRA and a 403(b). Should I withdraw from the 403(b) to pay off the debt before we have children?

-My husband co-signed on a loan for our daughter back in 2009. It was $15,000. Now, nearly 10 years later, she still owes $12,000. She is a single mother and can only make the minimal payment. Should we pay it off for her?

-When I think of investing, should I put my money into the stock market? Or gold and silver?

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

Once upon a time, going to the bank was a regular part of life in America. But online banking has made most trips to the local branch unnecessary. So is it time to ask, Do I need a brick and mortar bank at all?Online only banks are doing everything they can to lure you away from your traditional bank, starting with competitive interest rates. Today, Rob West and Steve Moore look at the advantages of using a bank whose only branch is in cyberspace. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- My wife and I have been married for 5 years. My wife just graduated from nursing school, and we have a small amount of debt. I have a Roth IRA and a 403(b). Should I withdraw from the 403(b) to pay off the debt before we have children?

-My husband co-signed on a loan for our daughter back in 2009. It was $15,000. Now, nearly 10 years later, she still owes $12,000. She is a single mother and can only make the minimal payment. Should we pay it off for her?

-When I think of investing, should I put my money into the stock market? Or gold and silver?

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.