“For God so loved the world that He gave His only begotten Son, that whoever believes in Him shall not perish but have everlasting life” John 3:16

If you have spent at least one weekend at Vacation Bible School, then you know that scripture like the back of your hand. It is one of the cornerstone scriptures of our faith, and continues to be the beckon of hope for many lost souls. You may not know this but the book of John has 879 total verses, … and our next guest… knows them all.

In today’s episode, our next guest will share his story about he built his company that has put him in front of large crowds year after year from a serendipitous meeting of Bruce Kuhn. Stay tuned you don’t want to miss this!

Today we will be talking about:

• How do you read the Bible so you can understand it, apply it, remember it and enjoy it.

• His 4 Step Process called the Complete Communication System™ to Develop your message and how to be more efficient in your business

Connect with Keith:

Ministry: www.keithferrin.com

Corporate Messaging: www.iSimplyCommunicate.com

Relational Bible Study Course: www.keithferrin.com/rbs

Self-Publishing Coaching Program: www.MyFinishedBook.com

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If your child was in their early 20s, recently married, with $8,000 in debt and a husband with $80,000 in student loans, what would you tell them to do? Well, our next guest, Charissa Quade, knows exactly what to tell them, because that 20 year old was her. Our next guest shares with us how she got out of debt and has been spreading the gospel of prosperity and money management for over 18 years to entrepreneurs. Stay tuned. You don’t want to miss this one.

Episode Summary: In this episode of "Financial Advisors Say the Darnedest Things," host AB Ridgeway provides practical tips for navigating the financial challenges of celebrating Independence Day amidst inflation. He emphasizes the importance of being mindful of expenses while still enjoying the holiday festivities.

Key Takeaways:

1. Be Frugal Without Sacrificing Fun: AB encourages listeners to be strategic with their spending by utilizing coupons, seeking out sales, and sharing the costs of celebration with friends and family. He emphasizes that financial responsibility doesn't have to mean sacrificing enjoyment.
2. Seek Cost-Effective Alternatives: Rather than splurging on expensive brand-name items, AB suggests considering more affordable alternatives without compromising quality. He highlights the value of store brands and emphasizes the importance of prioritizing savings, especially during times of inflation.
3. Embrace Community Celebrations: AB advocates for communal celebration, where attendees contribute by bringing dishes or beverages to share. By spreading out the costs among participants, everyone can enjoy a fulfilling celebration without breaking the bank.
4. Prioritize Memorable Experiences: While financial prudence is essential, AB reminds listeners that the ultimate goal of any celebration is to create lasting memories with loved ones. He encourages individuals to focus on the joy and connection experienced during the holiday rather than fixating on expenses.
5. Plan for Financial Stability: AB underscores the importance of maintaining financial health beyond the holiday season. He encourages listeners to consider seeking financial advice and planning for future celebrations to ensure long-term financial stability.

Quotes:

1. "There is nothing worse than spending money and not getting a good return on investment. Here, the money that you put in is not going to make you more money. It's going to make you more memories."
2. "The goal of this list is not to limit your fun by no means. I want you to have the time of your life. This podcast episode is to limit the amount of money that you spend on the fun."
3. "If you just take a few of these steps, you could potentially have the same amount of fun with less money. So if you can pay $200 for the same memories, for the same fun, for the same family get together instead of $400, wouldn't you do it?"

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

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*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

The Michigan House of Representatives on Tuesday passed HB 5190 by a vote of 94-13. The bill passed the state’s Senate in May with a vote of 35-2. Next, it will be sent to Gov. Gretchen Whitmer for her to sign into law.

Her signature will make Michigan the 14th state to mandate personal finance education at the high school level, according to Next Gen Personal Finance’s bill tracker.

Episode Summary:

In this episode of "Financial Advisors Say the Darnedest Things," host A.B. Ridgway discusses the importance of integrating personal finance education into high school curriculums.

Key Takeaways:

1. Urgent Need for Financial Literacy: Ridgway highlights the alarming statistics of consumer debt in America and argues that personal finance education is essential for equipping students with the skills to navigate financial challenges. He emphasizes that the question should not be if personal finance should be taught in schools, but when.
2. Bipartisan Support for Financial Education: The overwhelming bipartisan support for the personal finance mandate in Michigan underscores the recognition of its importance across political divides. Ridgway suggests that prioritizing financial education transcends partisan politics and benefits society as a whole.
3. Collaborative Efforts for Financial Education: Ridgway commends organizations like NextGen Personal Finance for their commitment to providing curriculum resources for schools. He calls upon educators and decision-makers to collaborate in implementing effective financial education programs, emphasizing the collective responsibility in preparing future generations for financial success.
4. Early Intervention is Key: Ridgway stresses the significance of early intervention in teaching financial literacy, suggesting that waiting until college or adulthood may be too late. He advocates for starting financial education as early as elementary school to instill healthy financial habits from a young age.
5. Biblical Principles and Financial Stewardship: Drawing from biblical teachings, Ridgway emphasizes the moral imperative of financial stewardship and responsible money management. He encourages listeners to advocate for financial education as a means of fulfilling biblical principles and ensuring a prosperous future for generations to come.

Quotes:

1. "I have never went to the bank, asked for a loan, and they asked me what year did Christopher Columbus discover America?"
2. "It takes a country to raise our children."
3. "If we have to give workshops, presentations, invite guests on the show, do webinars, or create supplemental information, we are willing to do whatever it takes for our children."

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

https://calendly.com/abridgewaywm/consultation

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

What do you do after 20 years of faithful servitude to God through church ministry and God leads you down a different path? How do you balance business and the pursuit of profit with faith? And is the church the only way to do God’s work?

He is a retired Pastor of 20 years who just can’t retire. He’s eager to see the family of Jesus actually be the people of God in this world.

Upon reflecting on his own need for a daily “shot in the soul” to get his mind aligned with the truth of God, he realized that short daily audio might be a helpful tool for others to use as well. As host of his own podcast Morning Mindset Daily Christian Devotional With Over 71,000 daily downloads I think he was right.

Ladies and gentlemen this episode took us nearly 2 months and 2 recording sessions and 3 rescheduled events to make, but by the Grace of God, he made it happen on his time. So I want you to give the biggest hand clap of praise for Carey Green.

The Government is trying to pass the Secure Act 2.0. In an age of political gridlock, one cause is gaining rare bipartisan momentum in Washington: helping Americans save for retirement. This may be one of the first time where the American people win from the passing of legislation.

The House of Representative just passed The Securing a Strong Retirement Act, H.R. 2954, also known as the Secure Act 2.0. This act aims to improve the retirement savings systems. Here are a few key takeaways of the proposal:

· Required minimum distribution age will increase from 72 up to 75 by year 2032

· If you are 62,63,or 64 your catch up provision will raise from $6,500 up to $10,000

· Your employer can use your student loan payments as a match so you can pay down debt AND save for retirement!

This is a major victory for retirement savers of all ages, and their employers. Here are some break downs for different investors.

Key Takeaways:

1. Bipartisan Momentum for Retirement Savings: The Secure Act 2.0 represents a rare instance of bipartisan cooperation in Washington, with both sides recognizing the importance of helping Americans save for retirement. This legislation, if passed, could significantly improve the retirement outlook for individuals across the country.
2. Expanded Retirement Savings Options: The proposed changes include increasing the required minimum distribution age to 75 and raising catch-up contribution limits for older individuals. These adjustments provide greater flexibility and incentives for individuals to bolster their retirement savings.
3. Impact on Student Loan Holders: For young professionals burdened by student loan debt, the act offers a promising opportunity. Employers may soon be able to match student loan payments as contributions to retirement accounts, potentially easing financial burdens and accelerating savings growth.
4. Extended Contribution Limits and Distribution Ages: Pre-retirees and retirees stand to benefit from extended contribution limits and later required minimum distribution ages. These changes offer more time for assets to grow tax-deferred, providing a valuable opportunity for individuals to enhance their retirement nest eggs.
5. Considerations for Paycheck Contributions: While the act may require employers to automatically enroll eligible employees in 401(k) programs, resulting in increased paycheck contributions, Ridgeway emphasizes the long-term benefits of such initiatives for financial security and retirement preparedness.

Quotes:

1. "Anything that allows us to pay more money into retirement so we can have more money when we finally leave our job, I am a cheerleader for."
2. "With the potential change, employers will be able to deposit matches into the Roth 401(k), which will provide potentially tax-free distributions during retirement."
3. "Ensuring that American people are saving will alleviate some of the pressure on government benefits in the future."

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

https://calendly.com/abridgewaywm/consultation

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

Episode Summary: In this episode of "Financial Advisors Say the Darndest Thing," host AB Ridgeway discusses the impact of fear on financial decision-making, particularly in the context of market volatility and potential recession risks. Drawing from biblical principles, Ridgeway emphasizes the importance of aligning one's investment strategy with faith-based values, emphasizing love, self-control, and discipline in managing finances.

Key Takeaways:

1. The Power of Faith Over Fear: Ridgeway highlights the biblical principle from 2 Timothy 1:7, emphasizing that God has not given us a spirit of fear but of power, love, and self-control. By grounding financial decisions in faith, individuals can navigate market volatility with confidence and resilience.
2. Avoiding Panic Selling: Ridgeway cautions against panic selling, which often occurs during periods of market downturns. He explains that panic selling can disrupt long-term investment goals and emphasizes the importance of maintaining a disciplined approach to asset allocation.
3. Importance of Rebalancing: Rebalancing one's portfolio is essential for aligning risk tolerance with long-term investment objectives. Ridgeway underscores the role of financial advisors in helping clients maintain a balanced portfolio that reflects their risk tolerance and investment goals.
4. Diversification as a Risk Management Strategy: Ridgeway discusses the significance of diversification in mitigating risk, particularly during uncertain market conditions. He cites the advice of financial experts on the importance of staying diversified and adjusting asset allocation to manage risk effectively.
5. Overcoming Fear with Faith-Based Principles: Ridgeway encourages listeners to overcome fear with faith-based principles, emphasizing the need for discipline and self-control in financial decision-making. By trusting in God's guidance and wisdom, individuals can navigate financial challenges with confidence.

Quotes:

1. "God has not given us a spirit of fear but of power, love, and self-control."
2. "Don't invest long-term money in short-term vehicles and vice versa."
3. "The hardest hit is the one you don't see."

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

https://calendly.com/abridgewaywm/consultation

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

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Episode Summary: In this episode of "Financial Advisors Saying the Darnedest Things," host AB Ridgeway explores the financial challenges facing Americans in light of inflation and offers biblical insights on managing debt, investing, and planning for retirement. He emphasizes the importance of aligning financial practices with Christian principles and provides practical advice for achieving financial stability.

Key Takeaways:

1. Biblical Financial Wisdom: AB Ridgeway emphasizes the need for Christians to approach finances with biblical wisdom. He underscores the importance of being good stewards over one's finances and aligning financial practices with biblical principles such as stewardship, generosity, and planning for the future. By following these principles, individuals can achieve both financial success and righteousness.
2. Living Beyond Means: Ridgeway discusses the prevalence of living beyond one's means, driven by societal pressures and consumerism. He highlights the dangers of excessive debt and urges listeners to evaluate their spending habits critically. By distinguishing between wants and needs and practicing financial discipline, individuals can avoid the pitfalls of living paycheck to paycheck.
3. Budgeting and Financial Planning: Ridgeway emphasizes the significance of budgeting and financial planning in achieving financial stability. He encourages listeners to create budgets that prioritize essential expenses and align with long-term financial goals. Additionally, he stresses the importance of building emergency funds to weather financial challenges and avoid reliance on credit cards during emergencies.
4. Redirecting Spending: Ridgeway illustrates the importance of redirecting spending towards priorities such as savings and investments. Using a comparative example between two individuals, he demonstrates how small adjustments in spending habits can lead to significant long-term financial benefits. By reallocating resources towards savings and investments, individuals can build financial security and prepare for future needs.
5. Integration of Faith and Finances: Throughout the episode, Ridgeway emphasizes the integration of faith and finances, citing biblical principles as a guide for financial decision-making. He encourages listeners to seek financial advisors who share their Christian values and emphasizes the importance of aligning financial practices with biblical teachings.

Quotes:

1. "If you devour everything that you bring in, that is not being aligned with the word of God."
2. "Just because you can buy it doesn't mean that you can afford it. There's a difference between price and cost."

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

https://calendly.com/abridgewaywm/consultation

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

Episode Summary: In this episode of "Financial Advisor Say The Darndest Things," host AB Ridgway explores the intersection of Christian principles and financial management. The discussion delves into the biblical perspective on managing debt, investments, and planning for the future, offering valuable insights for listeners seeking to align their financial practices with their faith.

Key Takeaways:

1. Biblical Financial Principles: The episode emphasizes the importance of applying biblical principles to personal finance, including stewardship, generosity, and prudent planning. Listeners are encouraged to seek wisdom from scripture when making financial decisions, aligning their actions with God's teachings.
2. Tax-Efficient College Savings: A significant focus is placed on the potential benefits of the College Saving Recovery Act, which proposes tax-free rollovers from 529 plans to Roth IRAs. This legislative initiative offers parents a tax-efficient way to save for their children's education while providing flexibility for future financial goals.
3. Choosing a Financial Advisor: Ridgway provides practical tips for selecting a trustworthy financial advisor, emphasizing the importance of fiduciary responsibility and fee-only compensation structures. By prioritizing advisors who act in their clients' best interests, individuals can mitigate the risk of financial exploitation and make informed decisions about their wealth management.
4. Protecting Against Investment Fraud: The episode warns against investment fraud and unethical practices in the financial industry, highlighting recent cases of broker misconduct. Listeners are encouraged to remain vigilant and educate themselves about regulatory standards to safeguard their investments and retirement savings.
5. Empowerment Through Financial Education: Ridgway underscores the empowering potential of financial education and knowledge-sharing, urging listeners to disseminate valuable information to their communities. By equipping themselves with financial literacy and sound principles, individuals can achieve greater financial security and resilience in an uncertain world.

Quotes:

1. "Love does not delight in evil, but rejoices with the truth." - 1 Corinthians 13:6
2. "We believe knowledge is power. We abhor the individual who took advantage of those retirees. And we don't want you to be taken advantage of either." - AB Ridgway
3. "Today, if we just learn a little more, we can achieve more." - AB Ridgway

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

https://calendly.com/abridgewaywm/consultation

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

Episode Summary: In this episode of "Financial Advisors Say the Darndest Thing," host AB Ridgeway delves into the biblical perspective on managing personal finances amidst economic uncertainty. Drawing from Romans 8:18, Ridgeway emphasizes the importance of faith and preparedness in navigating financial storms. Inspired by Jamie Dimon's comparison of the economic future to a hurricane, Ridgeway offers practical advice on how to weather financial challenges while staying true to biblical principles.

Key Takeaways:

1. Biblical Perspective on Finances: Ridgeway underscores the need for Christians to align their financial decisions with biblical teachings, covering topics like managing debt, leaving a legacy, investing, and planning for retirement. By integrating faith into financial planning, individuals can strive to be both rich and righteous.
2. Preparation and Prudence: Recognizing the uncertainty in the economic landscape, Ridgeway advocates for proactive preparation. He advises listeners to build emergency funds, increase cash holdings, and position themselves strategically in the job market to withstand potential downturns.
3. Navigating Job Market Uncertainty: Ridgeway stresses the importance of maintaining a strong relationship with employers while also exploring job opportunities. By engaging in conversations with bosses and proactively seeking new employment options, individuals can mitigate the impact of economic instability.
4. Diversifying Income Streams: Ridgeway encourages listeners to explore additional sources of income, such as starting side projects or investing in rental properties. Diversifying income streams can provide financial stability and reduce reliance on a single source of revenue.
5. Maintaining a Long-Term Perspective: Despite short-term market fluctuations, Ridgeway advises listeners to focus on long-term goals and remain disciplined in their financial strategies. By staying faithful to biblical principles and exercising prudence, individuals can navigate economic challenges with confidence.

Quotes:

1. "If you stay ready, you don't have to get ready."
2. "The government gave us a fish, but they did not teach us how to fish."
3. "Trouble doesn't last always. The glory on the other side is worth more than the temporary struggles that we may feel in the moment."

💵Sign up for a Christian Finance Consultation and create your Financial Plan Today!

https://calendly.com/abridgewaywm/consultation

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.