Moody Podcast Network

Today, on Karl and Crew, we kicked off our weekly theme, “The Unstoppable Gospel.” Dr. Drew Dickens and Dr. Ronnie Floyd joined us today. Dr. Drew Dickens, an AI expert, discussed growing concerns around rapidly advancing AI and demonstrated a tool designed to help Christians practice gospel conversations with people from different cultural and religious backgrounds. Then Dr. Ronnie Floyd, a Pastor and host of the weekly podcast “For Leaders Podcast with Ronnie Floyd,” explained why the gospel alone transforms lives and pointed to extraordinary prayer, humility, and obedience as essential to spiritual awakening. We then turn to our listeners and pose the question, “Were you ever baptized but not born again? How did God reveal it to you?” You can hear the highlights of today’s program on the Karl and Crew Showcast.

If you're looking to hear a particular segment from the show, look at the following timestamps:
Call Segment [ 00:53 ]
Dr. Drew Dickens [ 36:00 ]
Dr. Ronnie Floyd [ 48:21 ]

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Credit card fees rarely wreck a budget all at once. Instead, they tend to chip away at it little by little.

Interest charges, late fees, annual fees, cash advances, and other costs can quietly consume resources that could have been used for saving, giving, or meeting other financial priorities. That’s why wise stewardship includes understanding what your credit cards cost and making sure they’re serving your financial plan rather than working against it.

Proverbs 21:20 says, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.”

This isn’t a call to hoard what God provides. It’s a reminder that wisdom pays attention. Good stewardship means knowing where our money is going and refusing to let avoidable expenses unnecessarily consume what God has entrusted to us.

Technically, interest isn’t a fee, but for anyone carrying a credit card balance, it’s usually far more expensive than the other charges associated with a card.

When interest rates are high, reward points and cash-back offers quickly lose their appeal. A few dollars in rewards can’t compensate for months of interest on an unpaid balance.

The best practice is straightforward: Don’t charge more than you can afford to pay off when the bill comes due.

If you’re already carrying a balance, consider putting the card away while you develop a plan to eliminate the debt. Continuing to add new purchases while trying to pay down old ones can make progress much more difficult.

Late fees vary by card issuer, so review your cardholder agreement and know exactly when your payment is due.

Payment alerts and automatic payments can be helpful safeguards. At minimum, consider automating the required payment so an overlooked due date doesn’t create another unnecessary expense. Ideally, pay the full statement balance each month so you avoid interest altogether.

If you use automatic payments, however, make sure there’s enough money in your checking account when the payment is scheduled. A returned payment may result in a fee from the card issuer and possibly another fee from your bank.

Keeping a small cushion in checking can help protect against those surprises.

Some credit cards have no annual fee, while others charge hundreds of dollars in exchange for travel benefits, rewards, or other perks.

In many cases, avoiding an annual fee altogether is the simpler choice. The benefits may not justify the cost, especially if rewards encourage you to spend more than you otherwise would.

The goal isn’t to maximize points. It’s to make wise decisions with the resources God has provided.

For responsible credit users who want their financial tools to reflect their values, FaithFi appreciates AdelFi Christian Banking. Formed through the merger of Christian Community Credit Union and AdelFi Credit Union, AdelFi provides purpose-driven banking solutions designed to help Christians align their finances with their faith.

Since 1995, AdelFi members’ card activity has generated more than $6.9 million for Christian causes. You can learn more at FaithFi.com/Banking.

Cash advances are one of the most expensive ways to borrow.

They may include an upfront fee, and unlike ordinary purchases, interest often begins accruing immediately. That makes a cash advance a costly solution to a short-term cash-flow problem.

A better long-term approach is to build financial margin. Start with a small emergency fund, then work toward a larger reserve over time. Having cash available for unexpected expenses can help keep a financial setba

Comparing yourself to others, complaining about what you don’t have, always wanting what’s next ... these are the quiet habits stealing your contentment.  Today on BOLD STEPS, Mark Jobe digs into Paul’s letter from prison to show that contentment isn’t circumstantial ... it’s something you can actually learn.  Ready to learn contentment for yourself?  Listen to Bold Steps with Pastor Mark Jobe.

Bold Steps Gift: Lee Strobel-The Case For Faith

Visit or watch Mark Jobe at New Life Community Church

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Bible prophecy expert Dr. Charlie Dyer joins us for a conversation about future events and End Times. What does the Bible say about the future? Bring your questions and join Dr. Michael Rydelnik this weekend for Open Line.

Featured resource:
What Does the Bible Say About the Future? by Charles H. Dyer

Mentioned resources:
Summit on Antisemitism, November 7, 2026
Moody Radio Alaska Cruise, June 5-12, 2027
Open Line Live

Chosen People Ministries free gift
FEBC podcast
Moody Bible Commentary

July/August thank you gift:
What Does the Bible Say About the Future? by Charles H. Dyer

Open Line is listener-supported. To support the program, click here.

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There’s never been a nation like the United States of America. It's impossible to imagine the world without it—but do you know the wild and true story of how it came into existence? Eric Metaxas will join us to discuss his newest book, already a best seller, Revolution. He will bring the epic of America’s birth to life so fully that you will feel you are a part of the story.

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Imagine leading a tour group to the Holy Land right now—with the Iran conflict still underway. What would it be like to travel throughout Israel? Find out, as you join us this week for The Land and the Book. Our guest—just back from Israel--shares great ideas to help us connect deeper with the Holy Land, even if you never leave home. That’s The Land and the Book.

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If you’re wrestling with the feeling that God is not fair to allow the pain and struggle of your life, don’t miss this summer best-of Building Relationships with Dr. Gary Chapman. Author and speaker Jennifer Rothschild became blind as a teenager and faced numerous obstacles in her adult years. If your life is not making sense and you feel God isn’t fair, hear her inspiring story on Building Relationships with Dr. Gary Chapman.

Featured resource: God Is Just Not Fair: Finding Hope When Life Doesn’t Make Sense

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Once we become members of the body of Christ, we become part of a war. The Bible for the most part accurately portrays an “us and them” reality.  Crawford Loritts states that what we understand about discipleship is sometimes very different from what it truly is. There is a “crisis” side of discipleship that we don’t generally relate well to.  

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In part two of Dr. Joe Stowell's message called "Holiness", we'll understand our needed response to a holy God.  It's all a part of our continued listen back through the archives as we celebrate God's faithfulness in allowing Moody Radio to broadcast the Gospel of Jesus Christ for 100 years.  And if you're interested in attending Founders Week 2026, head to www.Foundersweek.org right away!

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Too often, Christian men and women have been told to find their identity and purpose in roles like husband or wife, or father and mother. These good roles are designed by God, and yet, they're not the starting place for human identity and purpose.  Ed Stetzer talks with Julia Higgins about your book Christ and His Bride: How Men and Women Tell the Story of the Gospel and how Genesis 1 points us to the idea that we are all created in the image of God and given the task of ruling over the earth in God's stead on Ed Stetzer Live.

Ed Stetzer Live is a listener supported program.  To donate, click here.

To learn more about Ed Stetzer, click here.

To learn more about Ed Stetzer Live, click here.

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