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

Life moves in seasons—and with each season often comes new challenges, new opportunities, and sometimes new financial finish lines. 

On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to discuss why adjusting your financial finish line is not only okay—it can be wise and faithful.

A financial finish line is simply an answer to the question: How much is enough?

It helps separate what we intend to use for our own needs from what we can make available for Kingdom purposes. Rather than endlessly increasing lifestyle spending or accumulating wealth without direction, a finish line provides clarity and purpose.

For many people, the idea of setting a finish line can feel intimidating. It may sound final or restrictive. But Cody emphasized that a finish line is not about perfection—it is about growth. Your first finish line does not have to be your last.

Just as a financial plan should be reviewed regularly, your finish line should be revisited as life changes. There are many reasons to adjust it:

These shifts may change the cost of maintaining the same lifestyle, making it wise to reassess your financial boundaries.

At first glance, caps and limits can sound restrictive. But Cody shared that in practice, setting a finish line often creates freedom. Instead of constantly wondering if you need more, you begin to experience:

That reflects a biblical pattern. God’s boundaries are not meant to diminish joy but to protect and deepen it. Financial limits can function the same way.

1. A Lifestyle Finish Line

This is the amount needed to support your current and future lifestyle. It helps determine the appropriate and sustainable level of spending.

2. A Net Worth Finish Line

This is the amount of wealth you believe is wise to accumulate over your lifetime.

Cody connected this idea to Luke 12 and the parable of the rich fool, who stored up more than he needed while missing the deeper purpose of his resources. The issue was not wealth itself, but accumulation without a Kingdom perspective.

Cody highlighted three key areas to prayerfully consider:

These categories can help shape a thoughtful and prayerful plan.

If you realize you are accumulating more than needed, Cody suggested asking one important question: Why am I holding on to these resources in the first place?

That question can expose fear, habit, or misplaced trust—and open the door to greater generosity and purpose.

One of the most practical insights from the conversation was this: don’t wait until you “arrive” to become generous.

Even if you have not reached your finish line, begin giving now. Build habits of generosity with what God has already entrusted to you. As Scripture reminds us, “You will be enriched in every way so that you can be generous on every occasion” (2 Corinthians 9:11).

Not sure where to begin? Try setting a finish line for the next 90 days.

You do not need a lifelong blueprint today. You only need the next faithful step. Experiment, learn, pray, and refine along the way.

Your finish line is not a rigid rule—it is a discipleship tool. It reminds you that everything belongs to God, and you are a steward of what He has entrusted to you.

In every season, the goal is not simply to have more. The goal is to know what is enough, live with contentment, and be ready to participate in God’s Kingdom purposes with joy.

If you’d like help prayerfully answering the question, How much is enough? FaithFi has created its very first FaithFi Field Guide: How Much Money Is Enough? This practical, workbook-style resource is designed to help you define your finish line with biblical wisdom and sound financial principles. 

You can receive it when you become a FaithFi Partner by May 31, at $35 per month or $400 per year. Visit FaithFi.com/Give to learn more and become a partner today.

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.

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