Programs And Podcasts

This hour, we open the phone lines so that you can ask Dr. Karl Payne any questions you have on the topic of spiritual warfare. We will tackle questions like: Can demons read our minds? Is a crucifix needed for an exorcism? Does casting out a demon require a professional exorcist? Learn to separate biblical Truth from Hollywood’s made-up ‘theology’ on the very real subject of spiritual warfare.

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The key to increasing the distance between you and your sins is reducing the distance between you and your Lord. Dr. Tony Evans explains how God’s transforming grace is more than a match for any habit or hang-up.

For decades, retirement income in America has often been described as a three-legged stool.

The first leg is Social Security, which historically provides roughly 35–45% of a retiree’s monthly income. The second leg used to be company pensions, but those have largely been replaced by employer-sponsored plans such as 401(k)s and 403(b)s, which now provide roughly 15–20% of retirement income on average.

The third leg—and the one individuals have the most control over—is personal savings. One of the most important tools for building those savings is the Individual Retirement Account, or IRA.

This is especially important for people who don’t have a strong employer retirement plan. In those cases, personal savings often need to carry even more of the load in retirement.

Before diving into the different types of IRAs, it helps to understand one key point: an IRA itself isn’t an investment.

An IRA is simply a tax-advantaged account that holds investments. Inside an IRA, you can own many of the same assets you might hold elsewhere—stocks, bonds, mutual funds, CDs, and more.

The main benefit of an IRA is the tax treatment. Depending on the type you choose, your contributions or withdrawals may receive special tax advantages that can significantly affect your long-term financial plan.

When people talk about IRAs, they are usually referring to two primary types: the traditional IRA and the Roth IRA.

Traditional IRAs

Traditional IRAs have been around since 1974. Their main advantage is the immediate tax deduction many contributors receive.

When you contribute to a traditional IRA, you may be able to deduct that contribution from your taxable income. Your investments then grow tax-deferred, meaning you don’t pay taxes on the gains each year.

However, when you begin withdrawing money in retirement, those withdrawals are taxed as income.

In simple terms: Traditional IRA = tax break now, taxes later.

Roth IRAs

Roth IRAs were introduced in 1997, and they reverse the traditional model.

With a Roth IRA, contributions are not tax-deductible today. However, the major benefit comes later: qualified withdrawals in retirement—including investment gains—are completely tax-free.

In other words: Roth IRA = no tax break now, but no taxes later.

The decision between traditional and Roth IRAs largely depends on your expected tax situation.

If you believe your tax rate will be higher in retirement, a Roth IRA can be very attractive because you pay taxes today at a lower rate and enjoy tax-free income later.

This is why Roth accounts are often recommended for younger workers who are early in their careers and likely in a lower tax bracket.

However, the decision can become more complicated for people who are within 10–15 years of retirement. At that stage, many people are in their peak earning years and higher tax brackets, which may make a traditional IRA more appealing.

Taxes aren’t the only factor, but they are often the most important one.

Contribution limits for IRAs change periodically, and it’s important to stay current.

For 2026, the limits are:

If you’re married filing jointly, each spouse can contribute to their own IRA, even if one spouse doesn’t have earned income—as long as the household’s earned income covers the total contributions.

One important note: there is no such thing as a joint IRA. Each account must belong to an individual.

Employer-sponsored ret

Oh the worthless things that get into our minds when we weren’t paying attention. We can remember the words of TV themes . . . the words in the jingles of various fast-food restaurants . . . the words to songs on the radio – songs we don’t even like! If we hear something often enough, it sticks. If we can’t remember Bible verses, maybe we haven’t read them often enough. Today on A NEW BEGINNING, Pastor Greg Laurie helps us write the truth of Scripture on our hearts, from his message The Bible & Revival.

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Explore more resources from Pastor Greg Laurie, including daily devotionals and blogs, designed to answer your spiritual questions and equip you to walk closely with Christ.

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Ollie Lia shares his story of struggling with anxiety when he started high school, and how his mom, Amber, helped him work through it. Ollie and Amber offer practical steps for teens and parents of teens to work through mental health challenges and find peace in Christ.

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Your world can flip in an instant. One call, one loss, and suddenly your marriage, your faith, your family—all feel torn-open and unsteady. On Family Life Today, Chris Brooks and Yodit Brooks share honestly what it’s like to walk through the dark night of the soul...in marriage. They extend the quiet hope that arrives when you refuse to just survive.

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How do you love those who have hurt you? Is it even possible? Maybe you’re thinking, “I might be able to forgive them, but “love” them? No way!” Yet, we know that Christ calls us to love our enemies. How do you do that? Join Chip as he looks at how to overcome evil when it’s aimed right at you.

Important review: The Romans 12 Christian

1. The commands of Romans 12 are our faith response to Romans chapters 1-11 of God’s grace and mercy toward us.
2. R12 Christians focus on RELATIONSHIPS not rules or religious activity.
3. R12 Christians highest aim is LOVE.

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Sometimes during pro football games, the camera focuses on a single player on the sidelines, the guy who just made that great play. And he'll look at the camera and he'll say those two words they almost always say, "Hi Mom!" See, it's just an indication of the debt that a lot of people owe to the love of their mother.

Six-year-old Stephen will owe a debt to his Mom that he can never repay. He was horseback riding with her and with his older brother and sister and they were near this ranching town in western Canada. A cougar ran right in front of Stephen, spooked his horse, and Stephen was thrown to the ground. Well, the cougar immediately pounced on that little boy. And his mother, Cindy, leaped from her horse, grabbed a stick and started hitting that cougar knowing that that cougar would turn his fury on her. Stephen's brother and sister dragged him to safety and then they rode for help as fast as they could. Stephen lived. His mother, Cindy, didn't. She took all the fury of the cougar so the son she loved wouldn't have to.

I'm Ron Hutchcraft and I want to have A Word With You today about "The Animal Inside."

It's pretty incredible love, isn't it? Well, you have been loved like that. Except the deadly animal that's tearing us apart lives inside us. It's that part of you that says those things that deeply hurt the people you love even though you don't really want to hurt them. It's whatever produces the dark side of you, that bitterness, the self-destructive thoughts, the adulterous inclinations, the anger. There's this side of us that we hate. The people we love hate it, God hates it - it's the animal inside. We seem powerless to fight it off. I mean, if we could have we would have by now.

Jesus named this animal. He said in John 8:34, "Everyone who sins is a slave to sin." Sin is that untamable monster inside of us and the Bible is very blunt when it describes what this animal ultimately will do to us. It says, "Sin when it is full grown gives birth to death." The wild animal of sin is a killer. It kills our relationships, it kills our self-respect, it kills our reputation, it kills our future, and ultimately it will take us to hell.

We are like little Stephen. We're helplessly at the mercy of this killer animal except that someone intervened; someone who loves us like no one ever loved us. In God's own words in 1 John 4:10, "This is love, not that we loved God but that He loved us and sent His Son to be the atoning sacrifice for our sin." In other words, Jesus knew that you would not survive the fury of the animal called sin, so He turned all the fury of that animal on himself, on the cross. He basically said, "Take me, I will die so this one I love doesn't have to." But the one who died was not a mother. It was the only Son of God. The death He took on Himself wasn't just physical, it was the agony of an eternal hell; an eternal separation from God. That's what He was absorbing when He died on the cross for you and me.

This incredible rescue could be your rescue this very day if this would be the day that you would put all your trust in this Savior to be your Savior. Has there ever been a time you did that? If you're not sure there has been, there probably hasn't been. Don't wait! Don't risk another day without this Savior. Open your life to Him and say, "Jesus, you are my only hope. Not my religion, not my goodness, nothing else I could ever depend upon. Jesus, I put my hope... all my hope on you. Beginning today, I'm yours."

There's a reason we call our website ANewStory.com, because it could be page one in a new story of your life. Would you check it out today? It's ANewStory.com.

Look, you know the power; you know the fury of this horrible animal called sin. It's time that you experienced the rescue of the One who loved you so much t