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Some of the most encouraging words in the Bible are found in the Psalms. They’re heart felt, they deal with expressions of joy, and of sorrow. No matter what emotions are weighing heavily on you, you’ll find words that speak to your heart. Today on A NEW BEGINNING, Pastor Greg Laurie takes us to Psalm 32 as the psalmist David is in serious need of forgiveness. We can learn a lot for our times of regret, and discover that God welcomes those who come to Him in contrition.

Join us on August 16 for the annual Jesus Revolution Baptism, a celebration of new life in Christ at Pirate’s Cove with Pastor Greg Laurie!

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A New Beginning is the daily half-hour program hosted by Greg Laurie, pastor of Harvest Christian Fellowship in Southern California. For over 30 years, Pastor Greg and Harvest Ministries have endeavored to know God and make Him known through media and large-scale evangelism. This podcast is supported by the generosity of our Harvest Partners.

Support the show: https://harvest.org/support

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Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.

For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.

Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.

Nearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren’t impulsive spenders buying luxury items. They’re retired, living on fixed incomes, and they’re relying on credit just to pay for basics like groceries and prescriptions. They’re often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.

Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.

One of the biggest hurdles is the spread of misinformation. People believe they’ll lose their house, or that a reverse mortgage is inherently bad.

In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.

Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.

One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.

Whether it’s a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it’s all about wise stewardship.

At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn’t make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That’s not good stewardship.

Reverse mortgages aren’t for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.

If you’re entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. 

• I’m 71 and still working, but I’m not sure how much longer I’ll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?
• I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?
• I heard there’s a way t

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Thank you for listening! Your support of Joni and Friends helps make this show possible.

Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org.

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The Holy Spirit is working in unbelievers’ hearts as we share the Gospel. What exactly does He do? In this message from John 16, Pastor Lutzer reveals how the Spirit convicts unbelievers of one sin, one standard, and one danger. When someone is saved through this conviction, it’s a miraculous transformation.

This month’s special offer is available for a donation of any amount. Get yours at https://rtwoffer.com or call us at 1-888-218-9337. 

Discover how to move beyond failure … today on Bold Steps with Pastor Mark Jobe. We know we can “be the change,” in the world.  And we should be living on mission with a purpose … and on assignment. But many people can't live “on mission” because they're bound … or stopped by their past. There isn’t a person out there who hasn’t failed at some point. The disciple Peter knew about failure. Today, we’ll look at some practical ways to move beyond failure and back into your call and purpose.

Bold Step Gift: MOVING FORWARD AFTER MESSING UP: A NEW FUTURE WITH THE GOD OF SECOND CHANCES

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The post You don’t need a strong faith. You need a strong Savior. appeared first on Key Life.

Christians are no longer under the dominion of sin. As we grow in sanctification, we must put to death the old desires of the flesh. From his sermon series in the book of Galatians, today R.C. Sproul exhorts us to examine our lives and pursue holiness in the power of the Holy Spirit.

Get R.C. Sproul’s commentary on the book of Galatians for your donation of any amount: https://gift.renewingyourmind.org/4245/donate
 
Live outside the U.S. and Canada? Request the ebook edition of the Galatians commentary for your donation of any amount: https://www.renewingyourmind.org/global

Renewing Your Mind has a YouTube channel. Subscribe now and receive each day’s episode: https://www.youtube.com/@rymradio
 
Meet Today’s Teacher:
 
R.C. Sproul (1939–2017) was founder of Ligonier Ministries, first minister of preaching and teaching at Saint Andrew’s Chapel, first president of Reformation Bible College, and executive editor of Tabletalk magazine.
 
Meet the Host:
 
Nathan W. Bingham is vice president of media for Ligonier Ministries, executive producer and host of Renewing Your Mind, and host of the Ask Ligonier podcast.

Renewing Your Mind is a donor-supported outreach of Ligonier Ministries. Explore all of our podcasts: https://www.ligonier.org/podcasts

Because only humans bear the image of God, AI will never be human. ___________

Get updates on the Truth Rising documentary at truthrising.com/colson.