“For everything there is a season, and a time for every matter under heaven…” – Ecclesiastes 3:1

God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it’s not only okay to adjust your financial finish line—it’s often the wise and faithful thing to do.

Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and a Wealth Advisor at Wealth Squared. He and his brother, Kealan, founded the Finish Line Pledge and also co-host the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.

What Is a Financial Finish Line?

A financial finish line is simply an answer to the question, How much is enough? It helps us define what we need for our lifestyle so that everything beyond that can be redirected toward building God’s Kingdom.

There are two kinds of finish lines:

• Lifestyle (or Spending) Finish Line – The amount needed to fund your personal lifestyle.
• Accumulation (or Net Worth) Finish Line – The total assets needed to sustain that lifestyle for the rest of your life.

These lines aren’t rigid—they’re tools to help us hold God’s money with open hands, growing in both contentment and generosity.

However, there’s often a lot of pressure to get it exactly right, but what matters more is having a starting point. You’ll grow and refine it as your life and faith journey progress.

We recommend revisiting your finish line at least annually—or sooner if significant life changes occur, such as a new dependent, a move to a more expensive area, or a shift in health.

The Four Buckets of Money

To help clients visualize their financial decisions, Cody teaches a simple framework that divides money into four “buckets”:

1. Personal Spending – Covering day-to-day lifestyle costs.
2. Future Planning – Savings and investments for future needs.
3. Taxes – Obligations to the government.
4. Kingdom Giving – Resources designated for generosity.

A lifestyle finish line determines what belongs in the first two buckets, freeing the rest for eternal purposes.

The Net Worth Finish Line: How Much Is Enough to Save?

A net worth finish line is the amount we believe is appropriate to accumulate over a lifetime. The parable deeply informs us of the rich fool in Luke 12—the man who tore down barns to build bigger ones but failed to consider the brevity of life and the weight of eternal priorities.

To set a net worth finish line, Cody walks clients through three core considerations:

• Lifestyle Needs – How much do you need each year?
• Wealth Transfer Goals – What will you leave to heirs or ministries?
• Conservative Margin – A buffer for life’s unknowns—but not a replacement for trust in God.

What Happens When You Cross the Finish Line?

If you find yourself exceeding your finish line—accumulating more than necessary—we encourage asking yourself one essential question:

“Why am I holding on to these resources in the first place?”

God may have given you more not for personal security, but to fund the “good works He prepared in advance for you” (Ephesians 2:10). In that light, generosity becomes more than a response—it becomes a calling.

Rather than letting a higher income raise our standard of living, it becomes an opportunity to increase our standard of giving.

Not sure where to start? Try setting a finish line for 90 days. Just set a lifestyle finish line for three months and see what you learn.

That short-term experiment opens the door to deeper financial freedom, greater contentment, and a stronger sense of purpose.

A Finish Line That Leads to Worship

We also should remember that at the end of the day, it’s not just about money—it’s about worship. 2 Corinthians 9:8 reminds us:

“And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work”

To set a financial finish line, we must first recognize that everything belongs to God. It’s not about figuring out how much of our money to give to Him—it’s about learning to steward His money faithfully.

Your finish line isn’t a limit—it’s an invitation to freedom, joy, and a deeper life of generosity.

Want to Learn More?

Ready to take the next step? Visit FinishLinePledge.com to access helpful tools, real-life stories, and free resources that will guide you in defining what “enough” looks like in your financial journey.

You can also read Cody’s full article, “A Spending Finish Line Is Just the Beginning,” in the latest issue of Faithful Steward magazine. To receive the magazine at your doorstep each quarter, become a FaithFi Partner with a monthly gift of $35 or an annual gift of $400. Learn more at FaithFi.com/Give.

On Today’s Program, Rob Answers Listener Questions:

• My father-in-law passed away in March. Next week, we have an appointment with Social Security, and we want to ensure we come prepared, along with my mother-in-law, who will turn 65 next year. She wants to take over his Social Security.
• I heard about a government program that allows you to consolidate your credit card debt and repay it with no interest, but I’m not sure how to access it. My debt is about $25,000.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• The Finish Line Pledge
• Christian Credit Counselors
• Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. 
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.