Utah's Hope

Money has a way of making life feel complicated. Whether we’re facing major financial crossroads or simply trying to steward everyday expenses with wisdom, many of us default to figuring things out on our own. But Scripture reminds us that navigating life in isolation isn’t a sign of strength—it's often a barrier to wisdom. 

Proverbs 11:14 teaches that “where there is no guidance, a people falls, but in an abundance of counselors there is safety.” Wise counsel, especially when rooted in biblical truth, protects us from blind spots, emotional decision-making, and unnecessary regret.

On this episode of Faith & Finance, Sharon Epps—President of Kingdom Advisors and a familiar voice to FaithFi listeners—joins us to explore why seeking counsel is an essential part of faithful stewardship. 

Sharon explains that while Scripture is our ultimate authority, God often uses people to speak wisdom into our lives. Advisors, mentors, and trustworthy peers help us see what we might otherwise miss, and their influence can redirect us toward obedience, humility, and clarity.

Yet many believers hesitate to ask for help. Sharon acknowledges that reluctance often stems from pride—the subtle belief that we should be able to manage life independently. But asking for help is an act of faith, not weakness. It invites others to use the gifts God has given them and prevents us from making decisions based solely on fear, impulse, or confirmation bias.

Drawing from the story of Rehoboam in 1 Kings 12, Sharon highlights the danger of listening only to voices that tell us what we want to hear. Rehoboam rejected the wisdom of seasoned counselors in favor of peers who affirmed his own desires—and the outcome was disastrous. The lesson is clear: godly counsel may not always feel comfortable, but it aligns us with God’s purposes and challenges us to pursue stewardship that honors Him.

Sharon then offers practical guidance for how believers can seek wise counsel today. At times, this involves working with trained financial professionals—such as Certified Kingdom Advisors (CKA)—who integrate biblical wisdom with planning, investing, and long-term financial strategy. In other seasons, we need mentors who have walked ahead of us and can offer perspective, or peer friendships that speak truth with honesty and grace. Sometimes the right conversation happens over coffee; other times it requires prayer, pastoral guidance, and spiritual discernment.

For those currently overwhelmed by a financial decision, Sharon’s simple encouragement is: don’t go it alone. Isolation amplifies anxiety, while community brings clarity. Invite trusted voices into the process, seek the Lord in prayer, and remember James 1:5—God gives wisdom generously to those who ask.

Listeners interested in working with a financial professional trained to offer biblically faithful and practically sound counsel can connect with a Certified Kingdom Advisor (CKA) at FindACKA.com.

• My husband and I aren’t always on the same page when it comes to money. We moved last year and kept our old house as a rental, which would cover both mortgages. He wants to pay off the rental, but the rental rate is under 4%, and the new house rate is almost 7%. Which mortgage should we pay down first, and how can we better approach our finances together?
• I’m 57 and retired. I want to invest something for my six-year-old grandson’s future—not just for college, but for when he’s older—and I want to make sure it can’t be accessed until then. What are my options?
• My 26-year-old son wants to buy his first home and doesn’t always take my advice. I want to

It’s about time to pay the credit card bills from this past Christmas. Sadly, often those bills last longer than the gifts did. Ouch. But that’s how it is, right? The things of this world promise a lot of joy, but the joy expires before the cost. Today on A NEW BEGINNING, Pastor Greg Laurie helps us reevaluate our priorities, and set our focus on the eternal. A life lived for eternity experiences joy that never fades, and the price has been paid.

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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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Parenting can feel like a spotlight on everything you wish you did better. Authors Adam and Chelsea Griffin of the Family Discipleship Podcast get it—and they bring gospel oxygen to shame-soaked moms and dads. With honesty, humor, and hard-won hope, they unpack why comparison crushes us, confession frees us, and remembering you’re God’s beloved child changes everything. If you’re craving relief, this conversation feels like a deep breath.

Show Notes and Resources

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Would you say that most of your days are filled with contentment or anxiety? Dr. Stanley teaches that anxiety is not something God gives but something we bring upon ourselves. Learn how you can overcome obstacles to peace.

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Jesus taught that the true measure of our giving isn’t the size of the gift but the heart behind it. Generosity begins with what we treasure most. On the next Faith & Finance Live, Rob West and Pierce Taylor Hibbs explore the motives that shape our giving and why God cares so deeply about them. Then, it’s on to your calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions, 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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Topics: 

This Is The Day, Welcome To The Show AI, Interacting w/Good, If You Could Talk To God, National Days, Praying For Enemies, Double Stuffed Oreos, Brant's Father


BONUS CONTENT: Double Stuffed Oreos Revisited, Radio Ink Award

Quotes

"We pretty classy here."

"It takes mental discipline to be this ignorant."

"Am I a champion or not?"

"We can choose to rejoice."

Jesus taught that the true measure of giving isn’t the size of the gift but the heart behind it. Generosity begins long before anything leaves our hands. It starts with what we treasure, love, and worship.

Few writers explore the inner life of faith as clearly as Pierce Taylor Hibbs, senior writer at Westminster Theological Seminary and the author of more than twenty books on Christian living. In today’s episode, he joins us to invite believers to examine not just the act of giving but the spiritual forces beneath it.

In a recent article for the latest issue of Faithful Steward magazine titled "Motive Is Everything," he draws from counselor David Powlison to explain that there’s always a “sun” around which the planets of our lives turn. We’re always pulled toward something—success, security, comfort, pleasure, affirmation, or money—because we’re created to worship. The question isn’t whether we worship, but what we worship.

When the created things we enjoy begin to occupy the center, Scripture calls it idolatry. Money is especially powerful in this way because it overlaps with pleasure and power. It promises control over life and the ability to enjoy it—two desires that easily eclipse our devotion to God if left unchecked.

To explore the heart behind generosity, Hibbs points to one of Scripture’s most striking stories: the widow’s offering in Mark 12. We don’t know her name, but Jesus knew her heart. While others gave large sums, she dropped two small coins into the temple treasury—an amount no one else would have celebrated. Yet Jesus did. He saw not the amount but the motive.

That’s the point: Giving is never merely transactional. It’s deeply spiritual. It reveals what we value most.

Hibbs notes that Scripture treats the heart—the lebab—as the control center of our lives. The Dutch theologian Herman Bavinck wrote that the heart is the source of both our rational and volitional life. It shapes what we think, desire, choose, and pursue. Outward actions are merely the visible tip of an iceberg. Beneath them lies motive.

Jesus makes the same point in Luke 6:45: “The good person out of the good treasure of his heart produces good…for out of the abundance of the heart his mouth speaks.” Our generosity flows from whatever we treasure most. If we treasure God, giving becomes worship. If we treasure self, giving becomes calculation, obligation, or strategy.

This reframes generosity. It’s not just about allocating money. It’s about the posture of the soul. It includes time, attention, hospitality, compassion, and quiet acts of service—not only dollars in a plate.

So how do we cultivate godly motives? Hibbs suggests beginning with Scripture—especially the Gospels—and watching how Jesus treats people. Jesus continually draws attention to what’s happening beneath the surface: motives, desires, and loves.

We don’t wait for perfectly pure motives to give—we’ll never act if we do. But we do allow the Spirit to search us, shape us, and re-center our hearts on Christ, the God who gives first so that we might become givers.

• My son owns a rental property in Baltimore, but the tenant hasn’t paid rent for two months. This has happened before, and it’s putting financial strain on his family. We’re debating whether to sell the house, but it would need some work. If we keep it, are there any tax deductions or benefits since the tenant isn’t paying? What should my son do?
• I’m 64 and still working full time, but I’d like to withdraw money from my 401(k). Since I’m over 59½, can I do that without the 10% penalty even though I’m still employed? What should I know about taxes and plan rules?
• My wife is retired

Ever gotten up too quickly and felt a little light-headed . . . maybe lost your balance? When you lose your balance, it’s hard to walk a straight line. Spiritually, some believers let their lives get out of balance, and then have difficulty walking the straight and narrow path of faith. Well today on A NEW BEGINNING, some help from Pastor Greg Laurie on bringing our lives back into balance . . . back into harmony with God’s plan. It’s a prescription for healing what ails us spiritually.

—

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.

Support the show: https://bit.ly/anbsupport

See omnystudio.com/listener for privacy information.