Raising children to navigate money wisely is about far more than dollars and cents. It begins with shaping their hearts, grounding their identity in Christ, and helping them understand the true source of their worth. As parents and mentors, we all want the next generation to develop a biblical foundation for both money and identity—because the two are more connected than we often realize.

Today, Brian Holtz, CEO of Compass Financial Ministry, joins us to share insights from a new resource designed to help families do exactly that. Right From the Start targets a key age group—kids 11 to 15—who are forming lifelong beliefs about God, themselves, and the world.

Why Middle School Matters So Much

According to Brian, this project was born out of recognizing a real discipleship gap. Plenty of resources exist for young children and high schoolers, but middle schoolers often fall between the cracks. Yet this is the stage when they’re actively forming their worldview—including their beliefs about money, success, and identity.

Right From the Start helps students discover that their value is rooted in being made in the image of God—not in what they own, how popular they are, or how well they perform. This biblical truth becomes the foundation for every financial principle they learn.

Six Themes to Form Faith and Finances

The study covers six core chapters:

1. Identity
2. Giving
3. Saving
4. Spending
5. Building on Your Foundation
6. Finishing Well

Each topic is presented through a biblical lens and paired with hands-on activities, daily lessons, memory verses, and “life hacks”—simple, practical challenges that help students put truth into action.

The goal, Brian shared, is to make faith and finances personal, relevant, and fun.

Helping Students Understand Their Identity in Christ

The very first chapter lays the theological foundation. Students read passages like Genesis 1 and Psalm 139 to understand that they are created intentionally, lovingly, and wonderfully by God. Their worth does not rise or fall with their circumstances.

Once children grasp this truth, giving, saving, and spending stop being merely financial tasks. They become acts of worship—ways to honor the God who made them.

Turning Principles Into Habits: A Look at the “Life Hacks”

One of the most beloved activities is the simple “three jars” method. Students divide the money they earn or receive into:

• Giving
• Saving
• Spending

This visual, tactile tool transforms abstract concepts into daily habits. Parents particularly love it because it creates space for conversations about generosity, gratitude, and wise choices.

How Families and Churches Can Use This Resource

Right From the Start is designed for flexibility. It works well:

• At home
• In youth groups
• In Christian schools

A student book and a leader’s guide make it accessible for parents, teachers, and ministry leaders alike. And while it fits naturally around the holiday season—when spending pressure ramps up—it can be used any time of year.

Why Modeling Matters Most

Howard Dayton often said parents should seek to be “MVP parents”—Modeling, Verbalizing, and Practical Application. Brian agreed that “more is caught than taught.” Kids need to see generosity lived out, hear why we handle money the way we do, and have opportunities to practice it themselves.

Brian shared one practice from his own home: allowing kids to make real financial decisions with real consequences. If they choose to buy a treat today, they may not have money for something they want tomorrow. That gentle exposure to cause and effect builds wisdom, gratitude, and maturity.

The Greatest Financial Lesson You Can Teach

Helping your children understand who they are in Christ may be the most valuable financial lesson they will ever learn. A secure identity shapes how they give, save, spend, and steward their resources for the rest of their lives.

To learn more about Right From the Start and how to bring it into your home or ministry, visit CompassFinancialMinistry.org.

On Today’s Program, Rob Answers Listener Questions:

• I’m 64, planning to wait until 67 to take Social Security, and our only debt is the house. We’re torn about whether to pay off the mortgage. Our income is tight enough that we couldn’t easily replace a vehicle if one broke down. My wife has researched this through Sound Mind Investing, but still feels stuck, so I’m calling on her behalf.
• I run a trucking company, and one of my customers didn’t send me a 1099. They said they don’t have to. My wife and I already paid taxes on that income last year. Do I still need to report the money I earned from that client?
• I recently left full-time nursing and now work part-time to keep my license. I have two IRAs from past jobs, and now another 401(k) from the job I just left. They’re asking me to move it somewhere—should I roll it into an existing IRA or consider a different option?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Right from the Start (A Financial Discipleship Study for Ages 11-15)
• Compass Financial Ministry
• 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)
• 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.

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