Utah's Hope

Your teen says AI is helping with homework. But what happens when it starts answering the questions they’re afraid to ask you? Tech-policy expert and author Clare Morell joins Dave and Ann Wilson to expose AI dangers for kids—from chatbots that feel unnervingly human to technology moving faster than parents can keep up with.

Show Notes and Resources

• The Tech Exit: A Practical Guide to Freeing Kids and Teens from Smartphones.
• The AI Revolution Is Coming for Our Kids.

• Thanks to the Christian Standard Bible for sponsoring this episode. Learn more at CSBible.com.
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Understand the five characteristics of maintaining a listening spirit in the life of the believer.

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Topics:

Attributes of God, Take A Nap, Shock Jock, Worry, Be Still, We Have It Good, Breaking Animal News, As God, Big Yawns, Words/Power, Anxiety, Being Just

Quotes:

"The Lord knows you're tired and weary."

"I'm out there in the zeitgeist."

"To know God you've gotta spend time with him."

"People are literally dashing to our doors with food."

"We have so much to be thankful for."
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It’s almost health insurance open enrollment time again—but what if you could skip it? For many, this is the time of year to sort through health plans, premiums, deductibles, and coverage for the year ahead. But there are alternatives to traditional health insurance where enrollment is not limited to a few weeks each year. On the next Faith & Finance Live, Rob West and Lauren Gajdek explain one of them. Then, it’s on to calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio.

Faith & Finance Live is a listener supported program on Moody Radio.  To join our team of supporters, click here.

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It's almost time for health insurance open enrollment again. For many families, that means sorting through premiums, deductibles, coverage options, and rising healthcare costs. But what if you didn't have to wait for open enrollment to explore a different approach?

Traditional health insurance isn't the only option available to Christians. Health cost-sharing ministries offer an alternative rooted in biblical community, mutual support, and financial stewardship.

Lauren Gajdek, Senior Director of External Affairs at Christian Healthcare Ministries (CHM), joined us today to explain how this approach works and why more Christians are exploring it.

Choosing healthcare coverage can be one of a family's most stressful financial decisions. Between monthly premiums, out-of-pocket expenses, and uncertainty about future medical needs, it's easy to feel overwhelmed.

And those feelings are widespread. According to a recent survey from KFF, a healthcare policy research organization, Americans who enrolled in Marketplace coverage reported significant frustration with the process:

• 63% said evaluating their options made them feel worried.
• 52% said they felt angry.
• 46% said they felt confused.

These numbers show how challenging it can be to navigate healthcare decisions, especially when families try to balance quality care with responsible financial stewardship. But as Lauren explained, Christians have another option.

Christian Healthcare Ministries (CHM) is the nation's longest-serving health cost-sharing ministry, having served Christians since 1981.

Unlike traditional insurance, CHM operates through a voluntary community of believers who contribute monthly to help share one another's eligible medical expenses.

Rather than paying premiums to an insurance company, members participate in a ministry designed around Christians helping Christians. This approach reflects the biblical principle in Galatians 6:2: 

"Bear one another's burdens, and so fulfill the law of Christ."

Of course, CHM is not insurance, and it differs in important ways. Sharing is subject to the ministry's guidelines, and payment of medical expenses is not guaranteed. Members remain responsible for their medical bills. That's why it's essential to understand the program's eligibility requirements, limitations, and sharing process before joining.

Still, for many Christian families, health cost sharing provides an opportunity to approach healthcare expenses through the lens of faith and community.

One of the most appealing distinctions between CHM and traditional health insurance is that CHM doesn't have a limited open enrollment period.

With conventional health insurance, individuals often must enroll or make changes during designated periods unless they experience a qualifying life event.

CHM operates differently. Because it isn't an insurance company, individuals and families can apply for membership year-round.

That flexibility means you don't have to make a rushed decision during the traditional open enrollment season. You can take time to explore your options, understand the guidelines, and determine whether health cost sharing fits your family's circumstances.

As Lauren explained, you don't have to limit your consideration of a different approach to healthcare to a particular time of year.

Int

Many of us remember the stress of driving in an unfamiliar area before GPS. “Do we turn at the next signal, or the one after that . . . or was it the one we just passed!?” Life got simpler when our dashboard told us where to go. Today on A NEW BEGINNING, Pastor Greg Laurie points out the joy we can discover when we let God’s will tell us where to go. We’re thinking big picture things today as Pastor Greg takes us to James chapter 4 in his new series, “Walk This Way.”

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Become a Harvest Partner today and join us in knowing God and making Him known through media and large-scale evangelism, our mission of over 30 years.

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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Marriage is such a special bond, and a beautiful gift from God. But it doesn’t come without its challenges. Dr. Dan Allender teaches how you can work with your spouse to achieve true healing from past trauma to help strengthen your marriage.

Get "The Deep-Rooted Marriage" free with your gift

Healing Begins Here: Trauma has a way of lingering, not just in memory, but in the body, in patterns of thought, and sometimes even in the way we relate to God. And yet, what has shaped you does not have to define you.

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Parenting a teenager can feel like navigating a minefield, especially when it comes to communication. In this episode, John Fuller and Dr. Danny Huerta are joined by Focus on the Family President Jim Daly, Dr. Ken Wilgus, and Jessica Pfeiffer to unpack why communication breaks down during the teen years and how parents can rebuild the bridge. 

Feeding the Mouth that Bites You

Launch into the teen years

Common Teen Issues That Drive Parents Crazy