More Than Money

Home prices are going crazy! What’s going on? In this episode, Art answers listener questions about home purchases and mortgages.

Money questions:

Why are home prices so high right now, and when will they drop?

I can get a mortgage by only putting 3% down. I know you aren’t a big fan of these loans, but I am worried that I will never get a home if I don’t buy now because the costs keep going up. This is my only option. Thoughts?

What do you prefer—15- or 30-year mortgage?

What was your strategy for paying off your home early?

Should I tithe off a gain from my home sale?

Notes:

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

As parents, we want our kids to understand God’s design for money. Unfortunately, many parents don’t know where to start, especially if they have young kids.

Money questions:

JWe are a young family with a 17-month son and one on the way. We have $20,000 in student loans so we know that college is expensive. What should we do first—pay off our student loans or start saving for our children’s college?

We have a baby on the way. Should we slow down our debt snowball to ensure that we have enough for delivery expenses?

Notes:

The Secret Slide Money Club | Buy it here: https://www.artrainer.com/the-secret-slide-money-club

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

How often should my wife provide updates about our finances? Do I really have to put 20% down on a home? If my wife wants a lot of kids, at what point should I upgrade our house? We answer those questions and more.

Listener questions:

How often should my wife provide updates about our finances?

What are some general guidelines if I take on a side gig?

Do I really have to put 20% down on a home?

If my wife wants a lot of kids, at what point should I upgrade our house?

Should I make any financial changes because of the pandemic?”

Notes:

Find More Money | Buy it here: https://www.artrainer.com/find-more-money

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

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

Bivocational pastors have a difficult task. What are their financial struggles? How do they manage their time? In this episode, two bivocational pastors help us understand what their life and ministry is like.

Listener questions:

I am a bivocational pastor. How much can I claim for my housing allowance?

Notes:

Duck Duct Cleaning | https://www.duckductcleaning.com/

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

Jake and his wife have children but no significant assets. Should they get a will? On this episode, Art discusses wills and trusts with Leo Sabo, president of Christian Stewardship Network.

Listener questions:

My wife and I have a couple of young kids, but we don’t have many assets. When should I get a will?

Notes:

Splitting Heirs | Buy the book here: https://www.amazon.com/Splitting-Heirs-Children-Without-Ruining/dp/0802413765

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

How do I prepare for college costs with 7 kids? How should I prepare for another economic downturn? What is the most important thing about money I should teach my child?
In this episode, Art answers several listener questions.

Listener questions:

1. How do I prepare for college costs with 7 kids?
2. My son will go to college next year. I am thinking about purchasing a home wherever he goes to college for him and some roommates to live in. What are your thoughts?
3. How should I prepare for another economic downturn?
4. What is the most important thing about money I should teach my child?

Notes:

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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 use your home equity to consolidate debts? When should you start saving for a down payment? Should I meet with a financial planner?

Listener questions:

1. Should I use my home equity to consolidate my debts.

2. Should I pay off all debts before saving for a down payment for a house?

3. Should I use my emergency to cover my homeowners insurance deductible?

4. Should I use a planner to manage my retirement?

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

Give generously. Save wisely. Live appropriately. That’s the 3-step financial pattern we see in the Bible. And most of the time, we talk about those first two steps—give generously and save wisely. In this episode, Art answers listener questions, including one about living appropriately and spending money.

Listener questions:

1. You say give generously, save wisely, and live appropriately. What does it mean to live appropriately, and what are some good ways to spend my money?

2. What do you think about USDA loans?

3. What is one thing you would do differently as a parent, and one thing you wouldn’t change?

Notes:

1. Others
2. Health
3. Experiences
4. Knowledge
5. Time

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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 wanting to change careers? Is now the time to really go after that dream job? On this episode, bestselling author, Ken Coleman, will help you think through what steps you need to take next.

Notes:

The Proximity Principle | Buy it here: https://www.ramseysolutions.com/store/books/the-proximity-principle-by-ken-coleman

From Paycheck to Purpose | Preorder it here: https://amzn.to/3hPo4F4

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/

So, you married into debt. What do you do? This is going to be a great episode for married couples and those who, one day, want to be married.

Notes:

- Don’t follow the script.
- Be your family.
- Live like you have one salary.
- Togetherness.

JackiCKing.com

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

Episode Sponsor:

Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.

Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!

Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/

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/