Utah's Hope

British evangelist J.John brings encouragement for anyone who needs to change their perspective on their circumstances. He suggests that we try to see things from God’s perspective by looking up, looking in, looking back, looking around, and looking ahead. Then Pastor J. D. Greear shares practical insights and real-life stories to help believers reach our broken culture with the love of Christ. Hear his encouragement to meet people where they are, live as authentic examples of Jesus in everyday life, and make a lasting impact for the gospel.
Jesus Christ – The Truth
J.John Audio Collection
Everyday Revolutionary
ReFOCUS with Jim Daly

How well do you know your IRA? An Individual Retirement Account can be a helpful tool for long-term saving; however, like any financial tool, it needs to be understood and used wisely. On the next Faith & Finance Live, Rob West walks through a few common misunderstandings, and he may even clear up some uncertainty along the way. Then, it’s on to calls. That’s Faith & Finance Live—where biblical wisdom meets today’s 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:

Back To School, Trade, Masterclass, Adding Value, Hot Take Comment, Shock Jock, LinkedIn/Trust God Imaginary Audience, God Loves Me

Quotes:

"Pivoting to being a servant actually puts you back on mission and gives you energy."

"Everyone is not looking at you. That's good news. Everyone doesn't look at you as critically as you look at you."

"Do you really want to trade peace for control?"

"God loves me."
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An individual retirement account, or IRA, can be a valuable tool for long-term saving. But like any financial tool, it needs to be understood and used wisely.

Proverbs 18:15 says, “An intelligent heart acquires knowledge, and the ear of the wise seeks knowledge.”

That’s good wisdom for every area of life, including how we manage money. As stewards, we don’t want to make financial decisions simply because an account is popular or because someone told us we ought to have one. We want to understand the tools available to us and use them with wisdom, patience, and trust in the Lord.

So, how well do you really know your IRA? Let’s walk through a few common misconceptions with a simple true-or-false quiz.

True.

You can contribute to a traditional or Roth IRA even if you also participate in a 401(k), 403(b), or another workplace retirement plan.

In 2026, the total amount you can contribute across all your traditional and Roth IRAs combined is $7,500, or $8,600 if you’re age 50 or older.

You’ll need enough taxable compensation to support your contribution, and income limits may affect whether you can deduct a traditional IRA contribution or contribute directly to a Roth IRA.

The important point is that having access to a workplace retirement plan does not necessarily prevent you from contributing to an IRA. These accounts can often work together as part of a thoughtful long-term strategy.

True.

Think of an IRA as a container. The account itself provides certain tax advantages, but what happens to the money depends largely on the investments you choose to hold inside it.

Depending on your IRA custodian, those investments might include mutual funds, exchange-traded funds, stocks, bonds, money market funds, or other investment options.

That distinction matters.

Sometimes someone will say, “I bought an IRA,” when what they really mean is that they opened an IRA and then invested the money inside it. The IRA is the account. The investments within that account determine how the money is put to work.

There are also limits on what an IRA can hold. IRA funds generally cannot be invested in life insurance or collectibles. Certain precious metals may qualify if they meet specific IRS requirements and are held properly.

Self-directed IRAs can provide access to more specialized investments, but greater flexibility can also bring greater complexity and risk. As with any financial decision, it’s important to understand what you own and why you own it.

False.

An IRA allows you to name one or more beneficiaries who will receive the account when you die. Those assets generally transfer directly to the beneficiaries outside of probate.

In most cases, the beneficiary designation on the account takes precedence over what your will says.

That’s why beneficiary designations shouldn’t be treated as something you set once and forget. Review them periodically, especially after major life changes such as marriage, divorce, the death of a spouse, or the birth or adoption of a child.

Estate planning is about more than documents. It’s about making your intentions clear and preparing well for those who may one day steward what you leave behind.

True.

Traditional IRAs are generally subject to required minimum distributions, commonly called RMDs.

For those subject to the current age-73 rule, the first distribution general

The home renovation business is a 600 billion dollar industry. Reviving an old home takes some skill and a lot of hard work. Well, God has a blueprint for reviving our culture . . . and He’s looking for our involvement in the project. Today on A NEW BEGINNING, Pastor Greg Laurie continues his opening message in a new series called The Upside-Down Life. It’s a look at the part we’re called to play in bringing a spiritual renovation to the world in which we live.

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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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Ever notice how when relationship trust feels shaky, everything else gets harder? Therapist and author Ron Deal and his wife Nan pull back the curtain on what helps people feel deeply loved, genuinely safe, and truly connected—and why so many couples are missing it. Whether you're carrying resentment, struggling to feel seen, or wondering why your relationship feels stuck, uncover what's fueling the disconnect.

Show Notes and Resources

• Find The Mindful Marriage by Ron and Nan Deal on our shop.

• Also get Vertical Marriage by Dave and Ann Wilson

• Find information on The Worship Initiative at  theworshipinitiative.com

• Come to a Weekend to Remember Marriage Getaways by visiting weekendtoremember.com

• Thanks to the Christian Standard Bible for sponsoring this episode. Learn more at CSBible.com.
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Dr. Stanley explains three key principles to help you live clean in a dirty world.

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As adults, we can navigate change pretty well, but younger kids are much more likely to struggle with it. As parents, we need to patiently listen to our children, answer their questions honestly, and shepherd them through the upheaval of change — and ultimately point them to the unchanging love and security of God.
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