The usage of buy now, pay later services is rapidly growing. This is a problem. On this episode, Art talks with Ramsey Personality, George Kamel, about the financial dangers of these services and how to overcome the buy now, pay later temptation.

Listener Question:

Car prices are going crazy. Should I buy a car?

How do I budget during times of inflation?

Resources mentioned:

The Money Challenge | Buy the book here: https://www.artrainer.com/the-money-challenge

The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Should you keep a mortgage for tax savings? Many ask this question. On this episode, Art talks with Andy Hill about why paying off your mortgage is usually worth no longer having the tax deduction.

Listener Question:

Get a 10% return or pay off my 4% loan?

Resources mentioned:

Marriage, Kids, and Money | https://marriagekidsandmoney.com/

The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Christmas is the celebration of Jesus’s birth. Unfortunately, it is also a time when people can make some poor financial decisions. In this episode, Art provides five of the biggest money blunders he sees during the Christmas season.

Notes:

4 Principles of Giving

1. Giving is to be a priority.
2. Giving is to be done proportionately.
3. Giving is to be done sacrificially.
4. Giving is to be done cheerfully.

5 Money Blunders

1. Taking a vacation from your financial plan.
2. Going into debt.
3. Using buy now, pay later plans.
4. Buying gifts that have long-term consequences on the budget.
5. Wasting the last two weeks of the year.

Resources:

More Than Money Facebook Group | Join here!

Christian Financial Counselor Program | Learn more here!

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here!

Employees forfeit approximately three billion dollars in Flexible Savings Account (FSA) contributions each year. According to the Employee Benefit Research Institute, 40% of employees give up some portion of their FSA contributions, losing approximately $300 to $400 dollars. For many employees, the FSA spending deadline is December 31st. If you still have money left in your FSA and are faced with a year-end deadline, now is the time to spend your FSA dollars.

Notes:

1. First aid items.
2. Pain relievers.
3. Sunscreen.
4. Allergy relief medication.
5. Medical devices.

Resources:

More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073

Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

A Financial State of the Union helps you understand your financial reality. And there is no better time to consider your financial reality than now. In this episode, Art and Taylor discuss the six parts to a Financial State of the Union.

Notes:

1. Review your generosity.
2. Review your cash.
3. Review your debt.
4. Review your retirement.
5. Review your net worth.
6. Review your goals.

Resources:

More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073

Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you wondering how to experience financial freedom? In this episode, Art talks with Ron Kelley about the seven steps Ron recommends people consider taking, even during financially challenging times.

Resources:

More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073

Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Tammy Gipson and her husband were once in debt. Now, they are debt-free and living generously. In the inspiring episode, Art talks with Tammy about her financial and generosity journey.

Resources:

More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073

Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you familiar with dual enrollment? It can save you or your child a significant amount of money for college. In this episode, Art talks with Dr. Scott Pace about dual enrollment and its financial benefits.

Resources:

More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073

The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Do your finances feel out of control? Is every month a struggle? In this episode, Art and Taylor provide seven suggestions for getting control of your finances.

Notes:

1. Confess any wrongs to God.
2. Change your mental intake.
3. Get a plan.
4. Set goals.
5. Get a blueprint for mission.
6. Automate everything.
7. Get someone to hold you accountable.

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you wasting money? Many unknowingly waste hundreds of dollars every year. In this episode, Art walks through eight common ways people waste money. Plus, he answers a listener’s question about retirement account rollovers.

Resources:

The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challenge

The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder

Episode Sponsor:

Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/