“I said in my heart, ‘Come now, I will test you with pleasure; enjoy yourself.’ But behold, this also was vanity.” — Ecclesiastes 2:1

What happens when someone has the power to indulge in every pleasure the world can offer? In Ecclesiastes, we find one of Scripture’s boldest experiments: a search for lasting joy through earthly delights. The Preacher—often thought to be Solomon—pursues laughter, wine, work, wealth, sex, and success, all in an effort to answer one question: Can pleasure truly satisfy the human soul?

Today, we live in a world that echoes the Preacher’s experiment. “Treat yourself.” “Follow your heart.” “Do what makes you happy.” These aren’t just slogans—they’re mantras for modern living. From the vacations we plan to the gadgets we unbox, we’re told that happiness is just one more swipe, scroll, or splurge away.

But Ecclesiastes challenges that narrative. It forces us to wrestle with a deeper question: What if pleasure doesn’t lead where we think it does?

The Preacher’s pursuit wasn’t careless. It was a deliberate, calculated test. He writes, “Whatever my eyes desired I did not keep from them” (Ecclesiastes 2:10). He built houses, planted vineyards, created lush gardens, hired singers, amassed wealth, surrounded himself with comfort—even concubines.

This wasn’t indulgence for indulgence’s sake. It was a methodical pursuit of happiness. Today, we might say: “If it looked fun, I bought it. If it felt good, I did it.” The experiment was thorough, and the results were heartbreaking.

“Behold, all was vanity and a striving after wind.” — Ecclesiastes 1:14

To picture this, imagine a bag of old receipts. Each one once captured a moment of excitement—a new purchase, a fancy dinner, a spontaneous trip. But now? They’re just scraps. The joy is gone.

That’s exactly what the Preacher realized. Pleasure was never meant to carry the weight of our deepest needs. It promises fulfillment but delivers only fleeting escape. It’s like trying to hold smoke in your hands—real for a moment, then gone.

The Preacher’s story finds a parallel in Jesus’ parable of the prodigal son. The younger son squandered his inheritance chasing worldly pleasures, only to end up broke and broken. The twist? The Preacher had everything the prodigal son dreamed of—wealth, opportunity, indulgence—and yet he ended up just as empty.

Different paths. Same conclusion.

Here’s the grace in all this: We don’t have to repeat the experiment. The Preacher’s pain can be our wisdom. He’s waving us down from the road ahead, saying, “There’s nothing here. Don’t waste your life chasing shadows.”

That’s a gift. It frees us to reflect:

• What am I turning to when I feel tired or discouraged?
• What “quick fixes” do I reach for without thinking?
• What would it look like to seek joy in God instead?

God is not against pleasure. He is the Creator of joy and the Giver of every good and perfect gift (James 1:17). But those gifts were never meant to replace Him. When we look to pleasure as the destination rather than a signpost to the Giver, we miss the point—and our hearts remain restless.

So next time you reach for something to lift your spirits, ask: Is this joy, or just escape? Is this feeding my soul, or simply distracting it?

Ecclesiastes doesn’t just warn—it redirects. It helps us tear down the idol of pleasure and place our hope in a Person, not a product. And that Person—our God—is the only source of joy that doesn’t fade.

At FaithFi, we want to help you explore this truth more deeply. That’s why we created Wisdom Over Wealth, a Bible study on Ecclesiastes that unpacks themes like pleasure, wealth, and contentment from a biblical lens.

This month, when you support FaithFi’s ministry with a gift of $35 or more, we’d love to send you a copy as our way of saying thank you. Just visit FaithFi.com/wisdom to request your copy today.

• I’m wondering if it’s better for my husband, who just retired, to take Social Security now or wait two more years, which would mean withdrawing about $96,000 from our 401(k) during those two years to cover our living expenses.
• I have a nonprofit property I want to sell, and I’m planning on giving the proceeds to another 501(c)(3) organization. Since I’m not very experienced with this process, are there any specific forms or steps I need to take at the closing of the sale? 
• I recently made a claim for a new roof, and my insurance went up. Do insurance companies research when you’ve made a claim on the internet or through a database? I was told by two roofers I didn't need a new roof, but the insurance company insisted I did. 
• I have some money in a credit union that I want to move somewhere to earn more interest. I just discovered I can use my Fidelity account for investing, and they’re offering 4%.  I’m wondering about the difference between keeping my money in my Fidelity account or moving it to an online bank, and what the benefits might be.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Comprehensive Loss Underwriting Exchange (C.L.U.E.)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9

This powerful verse is often quoted when we talk about generosity, and rightly so. It shows us that generosity isn’t just a financial principle—it’s rooted in the very heart of the Gospel. Today, Dr. Nathan W. Harris joins us to explore that connection more deeply.

Dr. Nathan W. Harris is the Vice President of Strategic Initiatives at The University of Mobile in Mobile, Alabama. He is also the author of A Short Guide to Gospel Generosity: Giving as an Act of Grace.

Gospel generosity is giving rooted in the good news of salvation through Jesus Christ. Generosity is not merely a virtue for the Christian life but a cheerful disposition that springs forth from the gospel. This kind of generosity arises from new life in Christ, is empowered by the Holy Spirit, and reflects the Father’s model of grace throughout creation.

At its core, gospel generosity isn’t just about giving—it’s about proclaiming and portraying Christ’s saving work in our lives. It signifies a radical transformation of a believer’s heart and mind, leading to joyful stewardship of resources in service to God’s kingdom.

One of the most debated topics surrounding generosity is the concept of tithing. Are Christians called to tithe, or is there a greater expectation?

While tithing—giving 10%—is not explicitly required for Christians, the gospel calls us to something far greater. We aren’t obligated to give; instead, Christians have an incredible gospel opportunity. We are called to live generously, humbly, selflessly, and with the kingdom of God in mind.

This perspective reframes giving not as a rule to follow but as an act of grace and worship, rooted in gratitude for what Christ has done.

The gospel transforms our hearts and minds and revolutionizes how we approach money and stewardship. Martin Luther once said:

“There are three conversions in one’s life—the conversion of the heart, the mind, and the pocketbook.” 

When we encounter Christ, our hearts are filled with affection for Him, and our minds are set on heavenly things. However, many Christians struggle to surrender their finances to God fully. You can’t hold on to Christ while also holding on to your money.

A heart transformed by the gospel desires to honor Christ above wealth. A mind renewed by the gospel prioritizes kingdom values over worldly ones. This transformation shapes every aspect of our financial lives, from earning and saving to spending and giving.

When our hearts and minds are fully surrendered to Christ, our finances naturally follow. Giving becomes not just an obligation but an act of worship and a reflection of the gospel’s transforming power.

To explore these ideas further, check out Dr. Nathan W. Harris’s book,  A Short Guide to Gospel Generosity: Giving as an Act of Grace. This concise guide offers biblical wisdom and practical insights into living a life of joyful, gospel-rooted generosity.

• I have a whole life insurance policy for my mom that we’ve been paying on for about nine years. I’m wondering if I should just cash it in since we’re almost at the full policy amount.
• What is the best educational investment account to use for my 10 and 8-year-olds when they’re ready for college? I’ve just been saving money in savings accounts.
• I wanted to ask about the Windfall Elimination Provision and the Government Pension Offset - are they still in effect? I’m a firefighter and paramedic who worked in the public service and private sector for 30 years.
• My wife and I don’t have a retirement plan yet. I’m 53 and my wife doesn’t work. We have a vacant lot worth $45,000, and I’m wondering what we can do with the money from selling it to help prepare for our retirement.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• A Short Guide to Gospel Generosity: Giving as an Act of Grace by Dr. Nathan W. Harris
• SavingForCollege.com
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.

Summer is here—and while kids are counting down the days until school’s out, parents and grandparents might be counting something else: the cost.

The good news? Some of the best family memories don’t require a big budget. In fact, many of them are completely free. With a little creativity and intention, you can enjoy a summer that builds connection and joy without adding financial stress. Here are ten fun, meaningful, and no-cost activities to try this season.

Libraries today are vibrant community hubs, not just quiet places for books. Many offer summer reading programs, puppet shows, craft days, and even LEGO clubs. It’s a screen-free space that fosters imagination and learning—and it won’t cost a dime.

Movie nights are a classic, but turning them into themed events can make them feel extra special. Dress up like your favorite characters, make popcorn at home, and stream free movies from your library or other no-cost platforms. It’s cozy, creative, and fun for all ages.

Many cities and towns host free concerts, movie nights, festivals, or farmers' markets during the summer. These events offer fun, fellowship, and a chance to connect with your community.

You don’t need to travel far to enjoy the great outdoors. Set up a tent in your yard, roast marshmallows, and tell stories under the stars. Take time to reflect on God’s handiwork with your kids. Psalm 8:3–4 reminds us how the majesty of creation points us to the Creator who cares for us deeply.

Let your kids gather items, make signs, and manage a mini storefront. It’s not only a great way to declutter—it also teaches stewardship, contentment, and even generosity. If your kids choose to give a portion of the proceeds to someone in need, you’re planting seeds of compassion early.

If your family enjoys treasure hunts or geocaching, it's a great way to explore the outdoors. All you need is a smartphone and a free app to search for hidden “caches” in your area. It’s adventurous, educational, and completely free.

Bring back the joy of simple play. Organize a kickball game, water balloon fight, or capture the flag in your neighborhood. Partner with other families to rotate homes and activities—it’s a no-cost way to foster community and make memories that stick.

Sit down as a family and dream up a list of simple activities—things like catching fireflies, building a fort, or learning a new skill. Writing them down and checking them off together adds a sense of excitement and shared accomplishment.

Nature is one of God’s most generous gifts. Visit local parks, walk trails, or bike together through a nearby preserve. Psalm 19:1 reminds us, “The heavens declare the glory of God.” Whether it’s birdsong or wildflowers, creation invites us to slow down and worship.

Serving others is one of the most meaningful things a family can do. Volunteer at a local shelter, visit a nursing home, or make cookies for your neighbors. Jesus said, “It is more blessed to give than to receive” (Acts 20:35). A summer of service can have an eternal impact.

It’s easy to believe that a fun summer must come with a hefty price tag, but God often surprises us with joy in the simplest things. Sunshine, laughter, love, and time together are among His most generous gifts—and they’re completely free.

So, as you make your summer plans, don’t focus on what you can spend. Instead, focus on how you can wisely steward the time and relationships God has given you. After all, the best summer memories are built with presence, not purchases.

• I’m looking into annuities, and I know nothing about the risks. When they say 6% for three years, is that rate guaranteed to remain locked in? I looked up the rating, and it’s a B++ rating by AM Best.
• I have a long-term insurance policy from Genworth that started in 1999. The premiums have increased dramatically from $1,500 to $11,000 annually. We’re in our early 80s and nearing the time to use the policy. The company wants us to sell, but we have a clause that stops premium payments if one of us dies. I’m unsure whether to keep the policy. 
• I’m 60 years old and have worked at the same job for 40 years. I’ve become chemically sensitive to the product we manufacture and can no longer work with it. I’m basically at retirement, with all bills paid and a house paid off. I have $500,000 saved in CDs, $60,000 in the bank, and I’m thinking of putting half of the $500,000 in a lifetime mutual fund. Is that a wise decision?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.

What if I told you that giving money to good causes won’t necessarily change your heart?

Many assume that if they invest their finances in the right places, their affections will follow. But what if the real issue isn’t where our money goes, but what we treasure most?

In His Sermon on the Mount, Jesus offers one of the most profound insights into money and the human heart:

"For where your treasure is, there your heart will be also." (Matthew 6:21)

Many interpret this to mean that if we direct our money toward good causes, such as ministries or charities, our hearts will naturally follow. And often, generosity does strengthen our connection to what we support. However, if money itself remains our treasure, even generous giving can leave our hearts tied to wealth rather than to God.

What if Jesus wasn’t just telling us to redirect our money but inviting us to reexamine what we treasure most? The real challenge isn’t simply choosing better causes; it’s choosing a better treasure. If our hearts cling to money, even when giving it away, we remain captive. But if we treasure God above all, our money will naturally reflect that devotion.

Consider Jesus’ observation of the widow’s offering in Mark 12:

"And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. And a poor widow came and put in two small copper coins, which make a penny." (Mark 12:41–42)

The wealthy gave much more than the widow, but their giving didn’t free them from money’s grip. Their treasure was still rooted in their wealth.

Jesus exposes a similar heart issue when He rebukes the Pharisees in Matthew 23:

"Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier matters of the law: justice and mercy and faithfulness." (Matthew 23:23)

The Pharisees gave meticulously, yet their hearts were enslaved to pride and status. Their giving wasn’t born from a love for God, but from a desire to maintain religious appearances.

In contrast, the widow’s tiny offering flowed from deep trust and surrender to God. She gave not to be seen, but because her greatest treasure was the One standing before her. Jesus praised her, not for the amount she gave, but because her heart fully belonged to Him.

If giving alone could free us from money’s hold, the Pharisees would have been the most spiritually free people of their day. But they weren’t. True freedom comes not from giving more but from treasuring God most.

As Pastor John Piper puts it:

“God is most glorified in us when we are most satisfied in Him.”

So, if the issue isn’t where we put our money but what we treasure, how do we shift our hearts?

1. Recognize God as Your Greatest Treasure - Until God is our highest joy, we will always cling to lesser things.
2. Seek First His Kingdom - When God’s Kingdom is our priority, everything else—including money—falls into place.
3. View Money As A Tool, Not A Treasure - If we treasure God, we will steward it wisely without being controlled by it.
4. Store Up Treasures in Heaven - This means prioritizing what truly lasts—growing in Christ, loving others, and living generously.

When our treasure is in God, our relationship with money changes. We give not to force our hearts to care, but because our desires are already aligned with what God cares about. We are freed from financial anxiety because our security is in God, not wealth (Matthew 6:25–34).

If money is our treasure, our hearts will forever remain enslaved to it, no matter how generously we give. But if we treasure God, our hearts will be free, and our relationship with money will reflect that reality.

The real question isn’t, “Where is my money going?” but “What do I treasure most?” Because where your treasure is, there your heart will be also.

That’s the heart behind everything we do at FaithFi. We’re here to help people not just manage money wisely, but treasure God above all else—because when He’s our greatest treasure, everything changes.

If you believe in that mission, would you consider becoming a FaithFi partner?

With a gift of $35 a month or more or $400 a year, you’ll help more Christians find freedom in Christ through biblical financial wisdom. As a thank you, you’ll receive:

• Early access to all our studies and devotionals
• A subscription to our quarterly Faithful Steward magazine
• Access to the Pro Version of the FaithFi app

You can learn more and become a FaithFi Partner today at FaithFi.com/Partner.

• I would like to know if I can cash in a CD and gift the money to a family member without incurring a penalty. Also, would you feel guilty about drawing out some money from my 401(k) to buy myself a little gift instead of going into debt?
• I’ve paid tithe on the gross amount my whole life. Now that I’m retired and drawing Social Security, pension, and business income, I’m wondering if I should continue to tithe. Some people say it’s already been tithed, so why tithe it again?
• I want to sell my almost 70-year-old home and move into a senior residence that’s handicap accessible. I’m on Social Security Disability, and I was told that selling a home is considered income and will stop my disability benefits. Is this true? 
• I heard you talk about the $19,000 gift limit per person per year. I want to know if the same limitations apply if I give to a 501(c)(3) organization and I’m not planning to claim it on my taxes.
• I would like to leave our paid-off house to my children if both my wife and I have passed. Should I get a will, put them on the deed, or establish a trust and incur the associated expense? Can I just put them on a deed, and when we pass, it goes to them?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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 wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” - Proverbs 14:8

When it comes to saving, spending, and talking about money, our God-given temperament plays a bigger role than we think. Today, Kathleen Edelman shares how understanding your wiring can lead to better financial decisions and healthier money conversations.

Kathleen Edelman is the author of “I Said This, You Heard That: How Your Wiring Colors Your Communication.” She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.

Temperament was studied by Hippocrates 2,000 years ago. It’s innate, unchangeable, and part of your design by God, like your eye color or fingerprint. In contrast, “personality” evolves based on culture, upbringing, education, and environment.

This foundational understanding is essential not just in relationships but also in how we approach money.

Temperament influences how we budget, spend, save, and even how we talk about money. Here’s how each temperament—Yellow, Red, Blue, and Green—sees financial decisions through a unique lens:

• Wiring: Optimistic, relational, in-the-moment.
• Financial Outlook: Sees money as a way to connect and create experiences. Often spontaneous and generous, but may avoid serious conversations about finances out of fear of conflict or damaging relationships.
• Growth Tip: Build guardrails around spending while leaving room for joy. Schedule regular money conversations to reduce anxiety.

• Wiring: Goal-driven, results-oriented, confident.
• Financial Outlook: Excels at goal setting, budgeting for success, and achieving results. May be impulsive or steamroll others in decision-making.
• Growth Tip: Invite feedback and take the time to consider other perspectives. Collaboration builds trust.

• Wiring: Detail-oriented, safety-driven, analytical.
• Financial Outlook: Needs detailed plans, emergency savings, and financial security. Prefers structure and predictability.
• Growth Tip: Communicate your need for time to process financial decisions. Allow room for flexibility while maintaining your desire for order.

• Wiring: Calm, steady, conflict-avoidant.
• Financial Outlook: Values simplicity, consistency, and low-stress systems. May avoid decisions that involve conflict or complexity.
• Growth Tip: Don’t be afraid to speak up about your financial opinions. Take the time you need, but be intentional about engaging.

Most miscommunication is not intentional. For instance, it could be that you’re speaking ‘blue,’ and they’re hearing ‘yellow.’” That misalignment can be costly, both relationally and financially.

To bridge the gap, learn to recognize both your own temperament and the temperament of the person you're speaking with. Then, speak their language.

• A Yellow might say: “Hey _______, I know details matter to you. Can we sit down together and make a plan that gives us both a vision with a little room for fun?”
   
• This honors the Blue’s need for order and gives space for the Yellow’s desire for connection.

• Rather than saying, “We need to figure this out now,” a Red could say: “I’d love us to make a simple plan together so that we both feel secure. We can talk it through at your pace.”
   
• This respects the Greens’ need for harmony and time.

Kathleen’s workbook, I Said This, You Heard That, is designed to help you better understand your wiring—and live it out in strength, not weakness. It’s not about changing your temperament but becoming fluent in the languages of others.

Inside the 2025 edition, you’ll find tools to help you:

• Name your tendencies and choose healthier responses
• Discover your “innate needs” (which she calls a game-changer)
• Revisit conversations with grace and self-awareness
• Become fluent in your own and others’ communication styles

When we understand our design, we communicate better. When we communicate better, we make wiser financial decisions. And when our finances reflect intentional, Christ-centered communication, our relationships and witness grow stronger.

Learning to speak the language of others says: I care about you. That changes everything.

I Said This, You Heard That: How Your Wiring Colors Your Communication (2025 Edition) is available now wherever books are sold. Let it be a guide for building stronger relationships and becoming a more faithful steward of what God has entrusted to you.

Also, if you'd like to read Kathleen's full article featured in the second issue of Faithful Steward Magazine, consider becoming a FaithFi Partner. With a monthly gift of $35 or an annual gift of $400, you'll receive the magazine each quarter delivered directly to your mailbox—plus these exclusive benefits:

• Access to the Pro Version of the FaithFi App
• Bulk discounts on additional copies of FaithFi studies and magazines
• Early access to every new FaithFi study and devotional before they're released to the public

Join us in equipping believers to steward God’s resources faithfully.

• I’m seeking advice about managing my 66-year-old mother’s finances after her Alzheimer’s diagnosis. She has a limited income, a $300,000 TSP, and a home with $220,000 in equity, but her monthly expenses total $6,500. I need help strategizing how to best care for her financially.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen Edelman
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.

“I have seen all the works that are done under the sun; and, behold, all is vanity and a chasing after wind.” – Ecclesiastes 1:14

Life is full of pursuits and ambitions, each one pressing for our attention. Like a collage, the individual pieces may not make sense until we step back and see the bigger picture. Today, we’re talking about the gift of perspective—and how viewing our lives through an eternal lens can change everything.

If there’s one book in the Bible that invites us to zoom out and take an honest look at life, it’s Ecclesiastes. It’s raw, reflective, and unafraid to ask big questions: What’s really worth pursuing? What has lasting value? What are we building—and why?

Our new study, Wisdom Over Wealth, explores the book of Ecclesiastes with these questions in mind. It helps us see how financial wisdom fits into the broader story of a life lived for God. I’ll tell you how to get your copy in a moment.

In our everyday financial lives, it’s easy to be consumed by the immediate—this week’s bills, that investment opportunity, or the looming tax deadline. Every issue seems urgent. But what if, instead of focusing on just one puzzle piece, we looked at how it fits into the whole? What if we could pull back and see our finances as part of a much bigger story?

That’s the gift of perspective. It lifts us out of the weeds and helps us see clearly. When we understand how our financial choices connect to our spiritual priorities, we begin making wiser, more intentional decisions.

Ecclesiastes invites us to take a mile-high view of not just our money but life itself. The Preacher, on whom this book is based, says he has seen all the works done “under the sun” and found them to be vanity, a chasing after the wind. Not because work or wealth are bad, but because when they become our ultimate goals, they leave us empty.

That’s a message we need in a culture that constantly tells us to buy more, earn more, and do more. But Ecclesiastes points out that it’s all meaningless if disconnected from God’s purposes.

This doesn’t mean that wealth is meaningless—far from it. When we view money through a biblical lens, we understand that it’s not something to be worshiped or hoarded. It’s a tool to be used for God’s Kingdom purposes. When stewarded wisely, wealth can be used for incredible good: to bless others, to support ministry, and to bring glory to God.

That’s where Ecclesiastes speaks into stewardship. It reminds us that we don’t truly own anything. Everything we have is entrusted to us by God. We’re stewards, not owners—and that changes everything.

It changes how we think about earning, saving, giving, and even retiring. It redirects our focus from accumulation to impact. Instead of asking, “How much can I gain?” we begin to ask, “How can I use what I have to reflect God’s character?”

That’s the heart of biblical stewardship—living with open hands, trusting God as our provider, and using what we’ve been given for His glory.

Ecclesiastes also teaches us something else that’s crucial for our financial lives: contentment. The writer encourages us to enjoy our work, to appreciate what we have, and to find joy in the simple gifts of life. It’s a call to be present, to stop comparing, and to stop chasing.

Whether we’re in a season of plenty or a season of little, contentment helps us stay grounded. It reminds us that peace isn’t found in having more—it’s found in walking with God, where we find lasting peace no matter our financial situation.

So, how do we begin to cultivate this perspective? How do we step back and see our finances in light of God’s larger story?

Start by asking some honest questions: 

• “What truly matters to me?” 
• “What do I want my financial legacy to be?” 
• “How can I reflect God’s values in how I manage His money?”

When you pause to reflect, you begin to see money not as the end goal, but as a resource to be used wisely and generously. Perspective leads to peace because it ultimately leads us back to God. It frees us from the endless striving and invites us into a deeper trust in His provision.

That’s why we’re so excited to make our new study, Wisdom Over Wealth, available to you. Through the book of Ecclesiastes, this study can help you gain the clarity and confidence you need to steward your finances with purpose.

This month, when you give a gift of $35 or more, we’ll send you Wisdom Over Wealth as our thank you. Just visit FaithFi.com/wisdom to request your copy today.

• I’m thinking of putting some money into a fixed, indexed annuity that’s tied to a NASDAQ FC index. What do you think of this product? I recall you mentioning something about reviewing agencies and their ratings.
• I have two mortgages on investment properties. Is this a good season to scale up my investments, or should I pay them off right now?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.

English statesman Francis Bacon once wrote, “Money is a great servant but a bad master.”

If we don’t learn to manage money wisely to take control of it, it will soon master us. It’s one way or the other. Today, Bob Lotich tells us how to be the master and not the servant when it comes to money—and he makes it pretty clear, as well.

Bob Lotich is a high-performance financial coach and Certified Educator in Personal Finance (CEPF®) and has been named a top-20 influencer in personal finance. His wife, Linda, and their award-winning website, SeedTime.com, as well as the SeedTime Money Podcast, have reached over 50 million people in the past decade. He is also the author of Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact. 

Bob’s story, which began in 2002 when his car broke down while he was on his way to deposit a paycheck, is one that many can relate to. He described how that moment of crisis led to a deep spiritual awakening about finances and stewardship.

Unfortunately, the car breaking down prevented him from depositing his paycheck and paying rent on time. Facing the stress of a possible late fee he couldn’t afford, Bob realized that his financial life was on shaky ground. He describes this moment as a "house of cards" that collapsed.

In his frustration, Bob prayed for wisdom, and that simple prayer became the catalyst for a profound change. God responded, leading Bob to learn about biblical stewardship and practical financial management.

As Bob delved into the Bible, he came across a quote from John Wesley that changed his financial perspective: 

"Earn all you can, save all you can, and give all you can."

 This idea, combined with scriptural truths, inspired him to view money not as a burden but as a tool for good.

Bob reflected on passages like:

• Proverbs 13:11: "Gathering money little by little makes it grow."
• 1 Timothy 6:17-19: Paul’s admonition to the rich to be generous.
• Proverbs 22:7: The borrower is slave to the lender, which motivated Bob to eliminate debt.

These verses reinforced the idea that managing money well is not about hoarding wealth but using it for God’s purposes.

Bob also emphasized the power of financial unity in marriage. Once he and his wife Linda aligned their financial goals with biblical principles, their relationship strengthened. They not only eliminated stress but also achieved impressive financial milestones, like paying off their house by the age of 31. Bob’s story reminds us that peace in one’s finances can be a unifying force in marriage, helping couples move forward together more quickly.

Bob shared four essential principles for increasing earnings in today’s digital age:

1. Operate within God-given gifts and passions: Work aligned with your gifts gives you an "unfair advantage."
2. Continue learning and developing your skills: Hone your craft to glorify God.
3. Solve significant problems: You’re compensated in proportion to the size of the problem you solve.
4. Work where demand is high: Identify where there’s a need and meet it.

These principles guide believers to increase their earnings while keeping their hearts focused on God’s kingdom.

One of the most impactful parts of Bob’s message was his perspective on giving. He and his wife created a "seed account," setting aside money each month specifically for giving. By praying and waiting for opportunities, giving became not just a duty, but a joyful and fun part of their lives. This practice reminds us of the joy Jesus spoke of when He said, "It is more blessed to give than to receive" (Acts 20:35).

Finally, Bob encouraged believers to enjoy the financial blessings God provides. He highlighted the importance of gratitude and appreciating what we have. Whether earning, saving, or giving, we can find joy in every aspect of financial stewardship.

Bob’s journey teaches us that financial freedom isn’t about accumulating wealth for ourselves but about managing what God has entrusted to us with wisdom and generosity. We can design a life of eternal impact by earning, saving, giving, and enjoying God’s provision.

If you’re looking for more practical tips and biblical wisdom, Bob’s book Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact is a great resource to guide you on this journey.

• I have a friend who is getting ready to retire as a union electrician and is really upset about losing $100,000 when the tariff news broke. I tried to tell him that the money would be made back once the markets recovered. Is my understanding correct that he will eventually get that money back? 
• I currently have $55,000 in a Roth IRA and $37,000 in a Traditional IRA. I’m about 30 years from retirement and contribute $200 per month to my Roth. Does it make sense to roll over the traditional IRA funds into the Roth? Would it be a good financial move for me?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact by Bob Lotich
• Seedtime.com
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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 must have some room to breathe. We need freedom to think and permission to heal. Our relationships are being starved to death by velocity.” — Dr. Richard Swenson, The Overload Syndrome

In our fast-paced, always-on world, these words ring true. We’re overloaded—physically, emotionally, mentally, and financially. But what if the antidote to our exhaustion isn’t doing more, but doing less? Today, let’s look at rest from a biblical perspective.

Margin is the “room to breathe” that Dr. Swenson describes. It’s the space between our load and our limits, which allows us to pause before we break.

Too often, we end the day with nothing left—no time, energy, or money. Then the next day starts…full throttle again.

That kind of lifestyle comes at a cost. The Sleep Foundation reports that nearly half of Americans experience trouble sleeping—a third of them get less than seven hours of sleep a night. Chronic sleep deprivation can lead to serious (and expensive) health problems like anxiety, heart disease, and diabetes. It also undermines our relationships and decision-making.

The truth? Rest is not a luxury. It’s wisdom.

God rested on the seventh day of Creation—not because He needed to, but because His work was complete. He blessed that rest and called it holy (Genesis 2:3).

Later, He enshrined the Sabbath in the Ten Commandments (Exodus 20:8-11). Why? Because He knows our tendency to keep pushing ourselves, and He lovingly tells us to stop. As pastor and author Rich Villodas says:

“God gives us Sabbath—he gives us rest—as a gift to remind us that our standing in Christ is not based on our works. When we rest, we’re reminded: I’m not producing anything…and God still loves me.”

Technology allows us to work from anywhere, at any time. But just because we can doesn’t mean we should. Rest gives us the strength and focus to do our work “as unto the Lord” (Colossians 3:23).

Working late nights and skipping vacations might seem productive, but over time, they damage what matters most—our health, our relationships, and our spiritual lives.

Rest doesn’t mean avoiding work. It means working wisely and worshipfully—and stepping away when it’s time to refuel.

Now, let’s be clear: Rest is not laziness.

Laziness is neglecting what we’re called to do. It violates God’s design for us to work, serve, and create. Paul warned the Thessalonians to “warn those who are idle and disruptive” (1 Thess. 5:14), and added in 2 Thessalonians 3:11 that idleness often masks itself as busyness.

Proverbs 31 praises the noble woman who works diligently. Verse 27 says she “does not eat the bread of idleness.” Laziness can show up subtly, like scrolling endlessly or shopping to avoid responsibility.

Proverbs 24:30–31 tells of a neglected field, overgrown and crumbling, due to a lack of care. That’s what happens when laziness takes root. But there’s hope.

Whether you’re burned out or stuck in patterns of procrastination, God’s grace meets you where you are. Jesus doesn’t offer a tighter schedule—He offers a lighter burden.

“Come to me, all who are weary and burdened,” Jesus says, “and I will give you rest.” (Matthew 11:28)

Rest isn’t something you earn. It’s something you receive. So step into the rhythm of grace, not guilt. Your soul—and your stewardship—depends on it.

• My son is 26, and last year he was able to start a 401(k) with his job. I want to get him a Roth IRA and start with $200 to get something going. Is that a good idea?
• I’m 87 years old. If all my assets have beneficiaries designated, is there any reason to have probate, or is there a maximum dollar amount that requires probate, so I would have to get a trust?
• I pay my bills and save as much as I can. Is it okay for me to spend $10 at the Salvation Army to get a new church dress? I don’t make much money, but I get paid every two weeks with a decent check.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• The Overload Syndrome: Learning to Live Within Your Limits by Dr. Richard A. Swenson
• Margin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives by Dr. Richard A. Swenson
• Schwab Intelligent Portfolios | Betterment
• Heart for Lebanon
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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 all want the best for our kids, but knowing what’s truly best isn’t always easy.

You’ve probably heard it—or said it yourself: “I just want my kids to have what I didn’t.” It sounds noble, but it can sometimes lead to financial trouble. Today, we’ll talk with Dr. Art Rainer about how that mindset can push parents into debt.

Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.

Raising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.

Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.

It’s a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else’s standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.

Social media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.

From travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don’t believe the lie that your child will fall behind if they don’t do everything. It’s okay to say no, for the sake of your budget and your family’s peace.

There’s nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child’s character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.

If you lacked certain things growing up, it’s natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn’t always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”

Not getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don’t rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.

Loving your children doesn’t mean giving them everything. It means stewarding your finances in a way that honors God and serves your family’s long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.

• I called about our whole life insurance policy. We’ve paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.
• What is the best first credit card for my college-aged daughter?
• Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Christian Money Solutions
• The Institute for Christian Financial Health
• 6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)
• Open Hands Finance
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22

When it comes to managing money wisely, many of us could use some help, but how do you know you’ve found the right financial advisor? Today, we’ll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process.

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.

Finding a financial advisor can be overwhelming, but it doesn’t have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values.  

The most important starting point is finding an advisor whose faith informs their advice. There’s a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens.

Key Questions to Ask:

• What role does faith play in your financial advice?
• How do you define financial success?

You’re listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain.

Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions.

Look for:

• Industry certifications (like CFP®, CPA, CKA®, etc.)
• Experience working with clients in your stage of life

Key Question to Ask:

• Can you tell me about clients you’ve served who are in a similar situation to mine?

Good advisors won’t name names, but they should be able to share stories of impact that demonstrate how they’ve helped people like you.

A trustworthy advisor will be open about how they make money and how they work with clients.

Key Questions to Ask:

• Can you explain how you're compensated—fees, commissions, or both—for someone like me?
• What is your process for creating a financial plan?

They should be able to explain their step-by-step approach, timeline, and what you’ll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.”

If you’re beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com. Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for:

• Biblical worldview
• Integrity
• Technical excellence

You’ll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it’s wise stewardship to evaluate that relationship regularly.

When advisors undergo CKA® training, they begin to carry the weight of stewardship—not only for their own resources but also for how they guide clients to make decisions with eternal impact. That’s the kind of advisor worth seeking out.

• My wife and I want to set up a will. We have a son we support and want to make sure he gets everything. I talked to a lawyer who said trusts aren’t necessary anymore and are expensive. I have about $300,000 in home equity, and I’m wondering about taxes and how he might handle the property.
• My dad recently passed away. My mom has been drawing on his Social Security because she didn’t have enough credits from working. What percentage of my Dad’s Social Security benefits will she receive as a survivor? What benefits will she get since he was a veteran with VA disability?
• Am I supposed to pay tithes on the income of my Social Security now that I’m retired?
• Now that my wife is retired and I’m almost retired, is maintaining a good credit score still important?

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Social Security Administration (SSA.gov) | U.S. Department of Veterans Affairs (VA.gov)
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)
• 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.